Privacy Policy

Last Updated: February 16, 2025

1. Introduction

Earnings Summarizer ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

Service Provider:
Earnings Summarizer
5935 Linda Vista Rd Apt 2405
San Diego, CA 92110-7407
Email: support@earningsummary.com

By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

Account Information:

• Email address (required for account creation)
• Password (encrypted and securely stored)
• Payment information (processed by third-party payment processor)

Content You Upload:

• PDF documents (10-Q earnings reports)
• Note: We do NOT store uploaded PDF documents after processing is complete

2.2 Information Automatically Collected

Usage Data:

• Service usage patterns and frequency
• Rate limit tracking for service reliability
• Session information
• Browser type and version
• Device information
• IP address
• Date and time of access

Technical Data:

• Authentication tokens
• Session identifiers
• Error logs and diagnostic information

2.3 Information We Do NOT Collect

We do NOT:

• Use cookies for tracking or advertising purposes
• Collect browsing history outside our Service
• Store your uploaded PDF documents after processing
• Share your personal information with advertisers
• Track you across other websites

3. How We Use Your Information

We use the information we collect to:

Provide the Service:

• Process your uploaded documents
• Generate AI summaries
• Manage your account and subscription
• Authenticate users and prevent unauthorized access

Service Improvement:

• Monitor and analyze usage patterns
• Improve Service performance and reliability
• Develop new features
• Troubleshoot technical issues

Communications:

• Send service-related notifications
• Respond to your inquiries and support requests
• Send important updates about Terms or Privacy Policy changes
• Process billing and payment information

Legal Compliance:

• Comply with legal obligations
• Enforce our Terms of Service
• Protect our rights and the rights of users
• Prevent fraud and abuse

4. How We Share Your Information

We do NOT sell your personal information. We may share your information only in the following circumstances:

4.1 Service Providers

We use third-party service providers to operate our Service:

OpenAI:

• We use OpenAI's API to generate summaries
• Your uploaded documents are temporarily processed by OpenAI
• Subject to OpenAI's data usage and privacy policies
• Documents are not stored after processing

Payment Processor:

• Payment information is processed by our third-party payment processor
• We do not store complete credit card information
• Subject to the payment processor's privacy policy and PCI compliance

Database and Hosting:

• We use third-party database and hosting services
• These providers have access to encrypted data for technical operations
• Subject to their respective privacy policies and security standards

4.2 Legal Requirements

We may disclose your information if required to:

• Comply with applicable laws, regulations, or legal processes
• Respond to lawful requests from government authorities
• Enforce our Terms of Service
• Protect our rights, property, or safety
• Prevent fraud or illegal activity
• Protect the rights and safety of our users

4.3 Business Transfers

If we are involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change and how it affects your information.

5. Data Retention

Account Data:

• We retain your account information for as long as your account is active
• After account deletion, we may retain certain information for legal compliance

Uploaded Documents:

• PDF documents are NOT stored after processing
• Documents are temporarily processed to generate summaries, then immediately deleted
• Only the generated summaries are associated with your account

Usage Data:

• We retain usage data for service improvement and analytics
• Aggregated, anonymized data may be retained indefinitely

Payment Information:

• Payment data is retained by our payment processor according to their policies
• We only store transaction IDs and billing status

6. Data Security

We implement appropriate technical and organizational security measures to protect your information:

Technical Measures:

• Encryption of data in transit (HTTPS/TLS)
• Encryption of data at rest
• Password hashing and secure authentication
• Regular security audits and monitoring
• Access controls and authentication

Organizational Measures:

• Limited employee access to personal data
• Security training and protocols
• Incident response procedures

Important Note: No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Rights and Choices

7.1 Access and Correction

You have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request a copy of your data

Contact us at support@earningsummary.com to exercise these rights.

7.2 Account Deletion

You may delete your account at any time through your account settings or by contacting support@earningsummary.com. Upon deletion:

• Your account information will be removed
• Generated summaries will be deleted
• Some information may be retained for legal compliance

7.3 Marketing Communications

We do not send marketing emails. Service-related communications are necessary for account management and cannot be opted out of while maintaining an active account.

7.4 Do Not Track

We do not track users across third-party websites and do not respond to Do Not Track (DNT) signals as we do not engage in such tracking.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know:

• What personal information we collect
• How we use and share your information
• Request access to your specific personal information

Right to Delete: Request deletion of your personal information (subject to exceptions).

Right to Opt-Out: We do not sell personal information, so there is nothing to opt out of.

Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise your California privacy rights, contact us at support@earningsummary.com.

9. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

Legal Basis for Processing:

• Contract performance (to provide the Service)
• Consent (where you have provided it)
• Legitimate interests (service improvement, fraud prevention)
• Legal compliance

Your Rights:

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

Data Transfers: Your data may be transferred to and processed in the United States. We implement appropriate safeguards for international transfers.

To exercise your GDPR rights, contact us at support@earningsummary.com.

10. Children's Privacy

Our Service is not intended for users under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately at support@earningsummary.com, and we will delete such information.

11. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party services you access.

12. International Users

Our Service is operated in the United States. If you are accessing the Service from outside the United States, your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

By using the Service, you consent to the transfer of your information to the United States.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated Privacy Policy on our website
• Sending an email notification to your registered email address
• Displaying a prominent notice on the Service

The "Last Updated" date at the top of this Privacy Policy indicates when it was last revised. Your continued use of the Service after changes constitutes acceptance of the updated Privacy Policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: support@earningsummary.com
Address: 5935 Linda Vista Rd Apt 2405, San Diego, CA 92110-7407
Response Time: We will respond to privacy inquiries within 30 days.

Summary of Key Points

What We Collect: Email, password, payment info, usage data. Uploaded PDFs (temporarily processed, NOT stored).

How We Use It: Provide the Service, process documents, manage accounts. Improve Service performance and features.

How We Share It: OpenAI (for AI processing). Payment processor (for billing). Hosting/database providers (for operations). Legal compliance (when required by law).

Your Rights: Access, correct, or delete your information. California and EU residents have additional rights.

Security: Encryption, access controls, security monitoring. No method is 100% secure.

Contact: support@earningsummary.com for privacy questions or to exercise your rights.