Privacy Policy & Legal Disclaimer

AlfaFinances ("we", "us", "our") operates as an independent educational and informational media platform. We are not a registered investment adviser, broker-dealer, financial planner, legal adviser, accountant or any other kind of regulated financial professional in any jurisdiction.

By accessing AlfaFinances in any form including our website, newsletter, tools or social media you acknowledge and agree to this disclaimer in full.

All content published by AlfaFinances, including but not limited to:

• Daily newsletter briefings and market summaries
• Insider Signal Tracker scores, rankings and signals
• Forex rates, sentiment scores and quarterly analyses
• Earnings data, EPS figures and growth metrics
• Bear/base/bull prediction models and price targets
• Alert notifications and trading ideas
• Social media posts, articles and commentary

…is provided solely for educational and informational purposes. None of it constitutes a personal recommendation, inducement or solicitation to trade, buy or sell any financial instrument. Nothing we publish should be interpreted as legal advice of any kind.

Insider filing data is sourced from publicly available SEC EDGAR records. The act of reporting insider transactions does not imply that any such transaction is recommended or suitable for any individual investor.

All financial markets carry significant risk. The value of investments can fall as well as rise. You may get back less than you invest. Past performance is not a reliable indicator of future results. Currency fluctuations may affect the value of investments.

By using AlfaFinances, you expressly agree that:

• You are solely responsible for any investment decisions you make
• You have read and understood this full disclaimer
• You will not hold AlfaFinances liable for any losses or profits
• You understand that our scores and predictions are algorithmic estimates only
• You accept that market conditions can change rapidly and unpredictably
• You will do your own research before making any investment decision

We strongly encourage you to speak with a qualified, regulated financial adviser who can assess your personal circumstances before making any investment decisions.

AlfaFinances sources data from the following publicly available services:

• SEC EDGAR — Insider filing data (Form 4), company facts and XBRL financial data
• Yahoo Finance — Live market prices, exchange rates and earnings data
• Cloudflare — IP-based country detection for currency localisation

While we make reasonable efforts to ensure the accuracy of data displayed on our platform, we cannot guarantee the completeness, timeliness or accuracy of any data, rate, price or figure shown. Data may be delayed, incorrect, or subject to change without notice. Always verify information with primary sources before acting on it.

Our algorithmic models including the Insider Signal Score, forex sentiment indicators and bear/base/bull prediction ranges are mathematical estimates based on historical data and weighted averages. They are not forecasts, guarantees or investment recommendations.

All scores, sentiment ratings and predictions should be treated as one data point among many in your own independent research process — never as a standalone basis for any investment decision.

This Privacy Policy applies to all visitors of AlfaFinances regardless of location, including individuals in the European Economic Area (EEA) and the United Kingdom (covered by the GDPR and UK GDPR), the United States (including California residents covered by the CCPA/CPRA), and any other jurisdiction. We respect your privacy and aim to be transparent about what data we collect and why.

Here is what data we collect:

• Email address — collected only when you voluntarily subscribe to our newsletter, used solely to send you the AlfaFinances daily brief and related communications. We do not sell, rent or share your email with any third party for marketing purposes.
• IP address / country (transient) — when you use our forex and market tools, our Cloudflare Worker may read your approximate country from your IP address for the sole purpose of currency localisation (e.g. showing rates in GBP vs USD). This is processed in real time, in memory, and is not stored or logged by us.
• Usage data — our hosting provider may automatically collect standard server/web analytics (such as page views, referral sources and approximate location derived from IP address) for security and to help us understand how the site is used. We do not combine this with your email address or any other identifier, and we do not use it to build individual profiles of visitors.

We use Beehiiv to manage newsletter subscriptions and email delivery. Beehiiv's privacy policy is available at beehiiv.com/privacy. When you subscribe through our website, your email is also stored in a first-party session cookie on your browser solely to recognise you across our tools — see Section 11 for full details. We do not use advertising networks, advertising cookies, or sell personal data to any third parties.

You may unsubscribe from our newsletter at any time using the unsubscribe link at the bottom of any email. To request access to, correction of, or deletion of your data, contact us using the details in Section 14.

If you are located in the EEA, UK, or another jurisdiction with similar data protection laws, we rely on the following legal bases under Article 6 of the GDPR / UK GDPR to process your personal data:

• Consent — for sending you our newsletter by email, which you provide when you subscribe. You can withdraw this consent at any time by unsubscribing.
• Legitimate interests — for basic, aggregated website analytics and security logging carried out by our hosting and infrastructure providers, where this does not override your fundamental rights and freedoms.
• Legal obligation — where we are required to retain or disclose limited information to comply with applicable law, such as responding to a lawful request from a regulator or authority.

We do not carry out automated decision-making or profiling that produces legal effects or similarly significantly affects you. The scores, signals and predictions shown on AlfaFinances are general informational content shown to all visitors and are not tailored to individuals based on personal data.

Depending on where you live, you may have some or all of the following rights in relation to your personal data. We aim to honour these rights for all users globally, regardless of jurisdiction, wherever reasonably possible.

• Right to access — request a copy of the personal data we hold about you (typically just your email address and subscription status).
• Right to rectification — ask us to correct inaccurate or incomplete data.
• Right to erasure / deletion — ask us to delete your personal data, including unsubscribing and removing your email from our newsletter list.
• Right to restrict or object to processing — ask us to limit how we use your data, or object to processing based on legitimate interests.
• Right to data portability — request your data in a structured, commonly used, machine-readable format (EEA/UK residents).
• Right to withdraw consent — withdraw consent to receive marketing emails at any time, with no effect on the lawfulness of prior processing.
• California residents (CCPA/CPRA) — you have the right to know what personal information we collect, request deletion of that information, and not be discriminated against for exercising these rights. We do not "sell" or "share" personal information as those terms are defined under the CCPA/CPRA.
• Right to lodge a complaint — if you are in the EEA or UK, you have the right to lodge a complaint with your local data protection supervisory authority (for example, the UK Information Commissioner's Office, ico.org.uk) if you believe we have not handled your data properly.

To exercise any of these rights, contact us using the details in Section 14. We will respond within the timeframes required by applicable law (for example, within one month under the GDPR/UK GDPR, extendable in certain circumstances).

We retain your email address and subscription status for as long as you remain subscribed to our newsletter, plus a reasonable period afterwards to comply with legal obligations, resolve disputes, and enforce our agreements. If you unsubscribe or request deletion, we will remove your email address from our active mailing list and delete it from our systems within a reasonable timeframe, except where retention is required by law.

AlfaFinances and the third-party services we use (such as Beehiiv for newsletter delivery and our hosting/CDN providers) may process and store data on servers located in different countries, including the United States, the United Kingdom and the European Union. Where personal data is transferred internationally, we and our service providers rely on appropriate safeguards recognised under applicable data protection law, such as Standard Contractual Clauses, where required.

AlfaFinances is not directed at, and is not intended for use by, children. Our services are intended for users who are at least 18 years old, or the age of legal majority in their jurisdiction, whichever is higher. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data (for example, by subscribing to our newsletter), please contact us using the details in Section 14 so that we can delete it.

AlfaFinances does not use advertising cookies, tracking pixels, or cross-site tracking technologies. We do not build individual advertising profiles, and we do not sell or share your data with ad networks.

We do use the following strictly functional browser storage to make the site work properly for you:

• Session cookie (af_sub) — when you subscribe to AlfaFinances, a small cookie is set on your browser under the .alfafinances.com domain. This cookie stores your subscriber email address and the timestamp of your subscription. Its sole purpose is to recognise you as a subscriber across our tools (stock dashboard, forex tracker, insider tracker) so you are not asked to subscribe again on every page. It expires after 30 days and contains no advertising or tracking data.
• Local browser storage (af_subscriber) — the same subscriber information is also saved in your browser's local storage as a fast same-domain fallback. This is stored only on your own device and is never transmitted to third parties.
• Watchlist and alert preferences — on our stock and forex dashboards, your personally selected assets, chart preferences and price alerts are saved in your browser's local storage. This data stays on your device only and is never sent to our servers or any third party.

None of the above storage is used for advertising, profiling or cross-site tracking purposes. You can clear all of this at any time by clearing your browser's cookies and site data.

Our hosting and infrastructure providers (Cloudflare) and our newsletter platform (Beehiiv) may set their own strictly necessary cookies as part of delivering our services — for example, for security and fraud prevention. These are outside our direct control. Please refer to Cloudflare's privacy policy and Beehiiv's privacy policy for details.

AlfaFinances may contain links to third-party websites including SEC EDGAR, Yahoo Finance and other sources. These links are provided for your convenience and reference only. We have no control over third-party websites and accept no responsibility for their content, accuracy, privacy practices or availability.

Linking to a third-party site does not constitute an endorsement of that site or its content by AlfaFinances.

We may update this Privacy Policy and Legal Disclaimer from time to time, including to reflect changes in applicable law. The date at the top of this page indicates when it was last updated. Continued use of AlfaFinances after any changes constitutes your acceptance of the revised policy.

We encourage you to review this page periodically. For significant changes we will notify newsletter subscribers by email.

If you have any questions about this policy, wish to exercise any of your privacy rights, request data deletion, or want to report an inaccuracy, please contact us: