PRIVACY POLICY

1. Information We Collect

We collect information that identifies, relates to, describes, or could reasonably be linked with you (“Personal Information”).

A. Information Provided by Customers & Visitors:

• Account Credentials: Full name, email address, password, and login identifiers.
• Communication & Session Data: Live chat transcripts, in-app messaging, question prompts, and service reviews.
• Preferences & Usage: Favorite advisors list, search queries, and selected category interests.
• Customer Support: Information submitted via contact forms, inquiries, or feedback.

B. Information Provided by Advisors & Applicants:

• Professional Profile: Full name, professional bio, category expertise, years of experience, and portfolio/social links.
• Identity & Compliance: Government-issued ID, identity verification details, and tax/payout documentation (where required for advisory payouts).

C. Automatically Collected Technical Data:

• Log & Device Data: IP address, browser type, operating system, device identifiers, referring/exit URLs, and interaction timestamps.
• Cookies & Tracking: Session cookies, performance identifiers, and analytical data to remember preferences and optimize platform speed.

2. Payment & Financial Data Security

Payment processing for Psycora readings and services is handled directly through secure, PCI-DSS compliant third-party payment gateways (e.g., Stripe, PayPal). Psycora does not handle, process, or store your raw credit card numbers or banking passwords on our servers.

3. How We Use Your Information

We use the information we collect for legitimate business and operational purposes, including:

• Facilitating seamless connections, messaging, and consultations between clients and independent advisors.
• Managing customer and advisor accounts, profile authentication, and session security.
• Processing payments and credits for readings and services.
• Improving website functionality, user interface responsiveness, and search relevance.
• Preventing fraudulent transactions, unauthorized access, and violations of our platform terms.
• Sending service updates, security alerts, and promotional announcements (which you may opt out of at any time).

4. Artificial Intelligence & Operational Tools

Psycora may utilize AI tools and automated algorithms to assist with quality monitoring, platform security, and optional session summarization for user convenience.

• Data Protection: We do not sell your personal reading transcripts or private chat data to third-party public AI models for model training without explicit consent.
• Advisory Nature: AI-assisted tools and summaries are provided for convenience and organizational support only.

5. Information Sharing and Disclosure

We do not sell your personal data. We only share information under the following limited circumstances:

• With Advisors & Clients: Sharing profile names, consultation requests, and message transcripts necessary to deliver the requested guidance sessions.
• With Service Providers: Trusted third-party vendors who provide infrastructure hosting (e.g., AWS, Vercel), analytics, and customer support tooling under strict data confidentiality agreements.
• Legal & Safety Compliance: When required by applicable law, court subpoenas, or to protect the vital rights, safety, and property of Psycora, our users, or the public.
• Business Transfers: In connection with any merger, asset sale, or acquisition of Psycora assets.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for basic site navigation, account authentication, and security.
• Preference Cookies: Remember your customized settings, theme choices, and saved sessions.
• Analytics Cookies: Help us understand site traffic patterns and optimize platform performance.

You can manage or disable cookies via your browser settings; however, disabling certain cookies may affect interactive features of the platform.

7. Data Retention & Security

We implement standard administrative, technical, and physical security measures to safeguard your personal data. While we strive to protect your information, no transmission over the internet is completely immune to security vulnerabilities. You are responsible for keeping your account credentials secure.

We retain personal data only as long as necessary to maintain active accounts, fulfill services, resolve disputes, and comply with statutory legal requirements.

8. Your Privacy Rights (GDPR & International Users)

Depending on your jurisdiction (including the EU, UK, and California), you may have specific privacy rights regarding your data:

• Right to Access & Portability: Request a copy of the personal data we maintain about you.
• Right to Rectification: Request corrections to incomplete or inaccurate account details.
• Right to Erasure (Deletion): Request the deletion of your account and personal information, subject to statutory record-keeping requirements.
• Right to Object / Restrict: Opt out of direct marketing communications or request restricted processing of your data.

To exercise any of these rights, contact us at privacy@psycora.co.

9. Children's Privacy & Age Requirement

Psycora is strictly intended for individuals who are 18 years of age or older. We do not knowingly collect or solicit personal data from children under the age of 18. If we discover that an individual under 18 has registered an account, we will immediately delete their information and deactivate access.

10. Updates to This Policy

We may update this Privacy Policy periodically to reflect operational, legal, or regulatory updates. Any changes will be posted on this page with an updated "Last Updated" revision date. Continued use of Psycora after updates signifies your acceptance of the revised terms.

11. Contact Us

If you have questions, feedback, or requests regarding this Privacy Policy or your personal data, please contact our privacy team:

• Website: https://psycora.co
• General Support: support@psycora.co
• Privacy & Data Protection Inquiries: privacy@psycora.co