Privacy Policy

Privacy Policy This Privacy Policy explains how Future Stock OÜ ("we", "us" or "our") and some of the companies we work with collect, use, share and protect information in relation to our mobile app, website, and any software provided on or in connection with our services (collectively, the "Service", "Services"), and your choices about the collection and use of your information.

Important Legal Notice
By downloading, accessing and/or using our Service, such use is subject to this Privacy Policy and our Terms of Use.

Who is Future Stock OÜ?
Future Stock OÜ is a registered company in the Republic of Estonia. Services that we built are there to help you become a more educated and informed investor. We are not a registered broker-dealer or registered investment adviser, and do not provide investment advice. Investing involves risk and investments may lose value. Past performance does not guarantee future results.

Data Controller and Owner
Future Stock OÜ, registry code 14399661, J. Sütiste tee 41/184, 13414 Tallinn, Estonia

Purpose of our Privacy Policy
The purpose of our Privacy Policy is to inform you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Term of Use.

Definitions
Personal Data Personal Data means data about a living individual who can be identified from that data (or from those and other information either in our possession or likely to come into our possession).

Usage Data
Usage Data is data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies
Cookies are small pieces of data stored on your device (computer or mobile device).

Data Controller
Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

Data Processors (or Service Providers)
Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.

Data Subject (or User)
Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Collection, Storage and Processing of Information
We only collect information that you provide directly to us. This can be any interaction with our Services, by using our Services in any way or by sending feedback. Some of this information, you actively tell us (such as your email address, which we use to communicate with you) including your name and any information you choose to provide. Other information we collect based on actions you take while using our Services, such as what screens you access and your interactions with our product features. The Android application is connected and synchronized with your Google Account, so it is required to provide the Google ID to use it. When accessing our mobile application, we may collect information about you, including but not limited to the following:

-Creating or deleting orders
-Buying or selling stocks
-Buying in app products, as virtual money or the ad-free version
-Usage information (e.g. the number of orders, last login etc.)

All this information is automatically tagged with the current date and time of the action.

We also collect and use aggregated and/or anonymised data ("Aggregated Data") such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific mobile application feature.

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages/screens of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. When you access the Service by or through a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

How we use your personal data
We are committed to protecting the privacy of your information. Below, we describe the ways in which we use the information we collect and receive to provide, maintain, and improve the Service; to provide troubleshooting and customer support; to protect the Service for all our users and to contact you.

- To provide and maintain our Service
- To allow you to participate in interactive features of our Service when you choose to do so
- To provide troubleshooting and customer support
- To gather analysis or valuable information so that we can improve our Service
- To monitor the usage of our Service
- To detect, prevent and address technical issues


Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR)
If you are from the European Economic Area (EEA), Future Stock OÜ's legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it. Future Stock OÜ may process your Personal Data because:

- We need to perform a contract with you
- You have given us permission to do so
- The processing is in our legitimate interests and it's not overridden by your rights (see further details under 'Legitimate interests')
- For payment processing purposes
- To comply with the law


Legitimate interests
We process your personal data when necessary to pursue our legitimate interests in the following cases:

- Tailoring our website, app and communications for you. We collect information about your engagement with us online (such as pages/screens that you have visited on our websites or app) and combine that with aggregated insights we have about our user base, to build a fuller understanding of your individual preferences.
- Monitoring, improving and protecting our products, Content and Services.
- Responding to your comments or complaints
- Undertaking, or inviting you to take part in, market research

Retention Time
Future Stock OÜ will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. Future Stock OÜ will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer Of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Disclosure Of Data
Disclosure for Law Enforcement
Under certain circumstances, Future Stock OÜ may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements
Future Stock OÜ may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation
- To protect and defend the rights or property of Future Stock OÜ
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability

Security of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. We cannot guarantee its absolute security. We are not responsible for any lost or stolen device or password. We may disclose your information to trusted third parties for the purposes set out in this Privacy Policy. We require all third parties to have appropriate technical and operational security measures in place to protect your personal data, in line with EU law on data protection rules.

Your Data Protection Rights Under General Data Protection Regulation (GDPR)
If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Future Stock OÜ aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us at future.stock.app@gmail.com.

In certain circumstances, you have the following data protection rights:

- The right to request deletion of your Personal Data by contacting us on future.stock.app@gmail.com
- The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
- The right to object. You have the right to object to our processing of your Personal Data.
- The right of restriction. You have the right to request that we restrict the processing of your personal information.
- The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
- The right to withdraw consent. You also have the right to withdraw your consent at any time where Future Stock OÜ relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.
You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

How does Future Stock OÜ share or disclose my information?
We are not in the business of selling or renting your information. We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used.

What type of External Third Parties do Future Stock OÜ use?
Social Media Platforms - we use for the incorporation of videos, among others, the provider YouTube. YouTube is operated by YouTube LLC, with the principal place of business at 901 Cherry Avenue, San Bruno, CA 94066, USA. YouTube is represented by Google Inc., with registered offices at 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. Further information about the data processing and privacy by YouTube (Google), can be found under www.google.de/intl/de/policies/privacy/.

Analytics Tools - we use analytics tools to track the way that users interact with our website. See more information under 'Analytics Tools'.

U.S. Equity Data- to provide the necessary stock data in our Services we use IEX Group free API. IEX Group operates the Investors Exchange (IEX), a stock exchange for U.S. equities that is built for investors and companies. Further information about the data processing and privacy by IEX Group, can be found under https://iextrading.com/privacy/.

Analytics Tools
We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. By using this website or our mobile aplication, you agree to the processing of your personal data by Google to the extent and purpose stated above. You can refuse to allow your data to be passed on by using a deactivation add-on for browsers under https://chrome.google.com/webstore/detail/google-analytics-opt-out/fllaojicojecljbmefodhfapmkghcbnh?hl=en. For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: http://www.google.com/intl/en/policies/privacy/

Firebase Firebase is analytics service provided by Google Inc. You may opt-out of certain Firebase features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: http://www.google.com/intl/en/policies/privacy/ We also encourage you to review the Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245. For more information on what type of information Firebase collects, please visit please visit the Google Privacy Terms web page: http://www.google.com/intl/en/policies/privacy/

Further information about Personal Data
This Application may track Users by storing a unique identifier of their device, for analytics purposes or for storing Users' preferences.

Payments
We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

The payment processors we work with are:

- Google Play In-App Payments

Their Privacy Policy can be viewed at https://www.google.com/policies/privacy/

Links To Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the Content, privacy policies or practices of any third party sites or services.

Children's Privacy
Our Service does not address anyone under the age of 13 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes to this Policy
We reserve the right to change the Policy as needed. It is your responsibility to review this Policy on a regular basis for any changes. If we were to change this policy, we will notify you of any changes by posting the new Privacy Policy on our website. We also enable users to view the Privacy Policy in our mobile application offline, but the mobile application version may differ from the one from our website. The Privacy Policy in our mobile application is there for your comfort and you have to check whether your are using the latest version of Future Stock. Changes to this Privacy Policy are effective when they are posted on this website. Please also review our Terms of Use carefully before using our Service.

Information on Cookies
Future Stock uses small pieces of data called cookies to help customise your user experience.

What is a cookie?
A cookie is a small piece of data sent by a website's server to your computer or mobile device and stored in your browser (e.g. Google Chrome, Internet Explorer, Safari). It consists of anonymous information, including a unique user identifier. When you revisit a site or navigate between pages, this data is passed from your browser to the site's server. With this data, the website is able to 'remember' your browser, enabling it to retrieve your user preferences, to personalise your visits and to simplify any sign-in procedures.

Cookies are intended to improve your user experience by making it easier and faster to navigate through a website. For example, some websites require that you log in to gain access. If such sites did not use cookies, then you would be required to enter your login details every time you navigated to a new page because the website would not be able to remember that you had already logged in.

Many websites also use cookies for advertising purposes. For example, certain cookies allow a website to determine if you've already seen a particular ad and therefore it may not display that ad on subsequent pages that you visit.

All of the information a cookie collects can only be retrieved by the website server that sent the cookie to your browser.

For more information, please visit https://cookiesandyou.com/ or https://www.aboutcookies.org/.

Cookies on www.futurestock.de:
We use the following Cookies on sections of futurestock.de site and the mobile application:

Strictly necessary cookies. These are cookies that are required for the operation of our website.

Analytical/performance cookies. They are set by www.futurestock.de and third parties, including Google Analytics.

Performance cookies allow us to collect statistical information about our visitors, such as whether they have visited the site before and the pages they view. This information is gathered anonymously - it does NOT enable us to identify who you are.

We use these cookies to determine the kind of Content and Services our visitors value most, which in turn helps us improve our website and its Content.

Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed.

Some of the cookies set on our website are served by third parties and not directly related to Future Stock OÜ or our partners.

If you have an interest in the more technical details about cookies this site creates we have listed the details below, but is not limited to:

Name: _ga
Expiration: 2 years
Description: Created by Google Analytics and is used to distinguish users.

Name: _gid
Expiration: 1 day
Description: Created by Google Analytics and is used to distinguish users.

Name: _gat
Expiration: 1 day
Description: Created by Google Analytics and is used to throttle request rate.

Name: cookieconsent_status
Value: eg: deny
Expiration: 1 year
Description: Created by the Cookie Consent widget and enables you to accept our Privacy Policy once every year.

Name: collect
Type: Pixel
Expiration: session
Description: Used to send data to Google Analytics about the visitor’s device and behaviour. Tracks the visitor across devices and marketing channels.

Every user has the ability to manage their cookie jars so if you're not happy with us using these cookies then you may adjust your browser settings to suit. Please remember we use cookies for users benefit and turning them off may affect the performance of the site. As delighted as we are that you have decided to visit our site if you're not happy with our use of cookies you do have the option not to visit the site again. Please find instructions for managing cookies on your browser below.

Internet Explorer
-Click Tools in the upper right hand area of your browser
-Find and click Internet Options
-Go to the Privacy tab and click Advanced
-Check Override automatic cookie handling (if it isn't already)
-Set First-party Cookies as necessary
-Set Third-party cookies as necessary

Chrome
-Click the Chrome Menu Icon -> Settings
-Near the bottom of the page, click Show advanced settings
-In the "Privacy" section, click Content settings
-In the "Cookies" section, choose Allow local data to be set (recommended)
-Manage "Block all third-party cookies..." and "Clear cookies..." as necessary

Firefox
-Windows: Go to Tools -> Options
-Mac: Go to Firefox -> Preferences
-Click the Privacy tab
-Under History, select Use custom settings for history
-Manage both Accept cookies from sites and Accept third-party cookies as necessary

Safari
-Windows: Go to Edit -> Preferences
-Mac: Go to Safari -> Preferences
-Click the Security tab
-Under Block Cookies, select From third parties or advertisers or Never as necessary

Contact
If you have any further questions about the collection, use and processing of your personal data, please contact us at info@futurestock.de

Last Updated: February 28, 2019