Privacy Policy
Esser Financial LLC, a Florida limited liability company doing business as "Esser Financial" ("we," "our," or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered financial chat tool. Please read this policy carefully. If you disagree with its terms, please discontinue use of our service.
1. Information We Collect
1.1 Information You Provide Directly
- Account registration data: email address and password (stored and managed via Supabase authentication)
- Chat messages and queries you submit to our AI assistant
- Billing and payment information if you subscribe to a paid tier (processed by Stripe; we do not store raw card data)
- Communications you send to us (e.g., support emails)
1.2 Information Collected Automatically
- Log data: IP address, browser type, operating system, referring URLs, pages visited, and timestamps
- Session data: authentication tokens and session identifiers managed by Supabase
- Usage data: features accessed, queries submitted, and interaction patterns
1.3 Information We Do Not Collect
We do not collect Social Security numbers, government-issued ID numbers, bank account numbers, or your brokerage login credentials. When you use the optional brokerage connection described in Section 1.4, you authenticate directly with your brokerage through our integration partner — your brokerage username and password are never transmitted to or stored by Esser Financial. Esser Financial is a research tool, not a financial institution, and cannot move money, place trades, or modify anything in your financial accounts.
1.4 Brokerage Connection Data (Optional)
Premium subscribers may optionally connect a brokerage account to automatically import their investment holdings. This feature is powered by SnapTrade (Wealthica Financial Technology Inc.), a third-party account-aggregation service, and is strictly read-only. If you choose to connect a brokerage:
- You log in to your brokerage on SnapTrade's hosted connection portal — your brokerage credentials go to SnapTrade and your brokerage, never to us
- We receive and store the imported position data (ticker symbols, share quantities, cost basis, and current values) in your portfolio, alongside any holdings you entered manually
- We store a connection identifier issued by SnapTrade that allows us to refresh your holdings on your request; this identifier cannot be used to access your brokerage login or to make transactions
- You may disconnect at any time by revoking the connection at your brokerage or through SnapTrade, and you may delete imported holdings from your portfolio like any other holding
Data processed by SnapTrade is subject to SnapTrade's own privacy policy. We encourage you to review it before connecting an account.
2. How We Use Your Information
- To provide, operate, and maintain the Esser Financial service
- To authenticate your identity and maintain your session
- To process payments and manage subscription tiers
- To improve our AI model responses and product features
- To detect, prevent, and address technical issues, fraud, or abuse
- To respond to your support requests and communications
- To send you service-related communications (e.g., account alerts, policy updates)
- To comply with legal obligations
We do not sell your personal information. We do not use your information for third-party advertising.
3. AI-Generated Content and Your Queries
What is sent to the AI. Our research and chat features are powered by large language models operated by Anthropic, PBC. To answer you usefully, we send more than just the message you type. Depending on the feature you use, the request may also include: your portfolio holdings — ticker symbols, number of shares, average cost, and current value; the sectors you are invested in; your stated risk tolerance, time horizon, investing style and experience level; any watchlist thesis or notes you have written; and publicly-sourced market data about the tickers involved. We do not send your name, email address, password, or payment details.
How Anthropic handles it. Data sent through Anthropic’s commercial API is not used to train their models. It is processed to generate your response and handled under Anthropic’s own privacy policy and data-processing terms.
Please still avoid pasting sensitive identifiers — account numbers, Social Security numbers, or passwords — into any chat or research field. Nothing in our service requires them.
Where your chat history lives. Your conversation history is stored locally in your own browser (in that browser’s local storage on the device you are using). We do not store your chat history on our servers, and we cannot read past conversations. Because of this, we are not able to delete a chat history on your behalf — it is removed when you sign out on a shared device, use your browser’s “clear site data” control, or use the Clear All Data option in Settings. Individual requests you send are processed by Anthropic to produce a reply, as described above.
4. Legal Bases for Processing (GDPR)
If you are located in the European Economic Area (EEA), our legal bases for processing your personal data are:
- Contract performance: processing necessary to provide the service you signed up for
- Legitimate interests: improving our product, preventing fraud, maintaining security
- Consent: where we have obtained your explicit consent (e.g., marketing communications)
- Legal obligation: compliance with applicable law
5. Data Sharing and Disclosure
5.1 Service Providers
We share data with trusted third-party service providers strictly necessary to operate Esser Financial:
- Supabase, Inc. — authentication, database, and session management
- Anthropic, PBC — AI language model inference
- Stripe, Inc. — payment processing (paid tier subscribers)
- Netlify, Inc. — hosting and content delivery
- Functional Software, Inc. (Sentry) — error monitoring and crash diagnostics
- Wealthica Financial Technology Inc. (SnapTrade) — read-only brokerage account aggregation, only if you choose to connect a brokerage (see Section 1.4)
- Alpha Vantage — market fundamentals lookup. Receives only a stock ticker symbol; no personal data and nothing identifying you is sent.
- U.S. Securities and Exchange Commission (EDGAR) — public company filing data. Receives only a stock ticker symbol; no personal data and nothing identifying you is sent.
All providers are contractually bound to use your data only to perform services on our behalf and are prohibited from using it for their own purposes.
5.2 Legal Requirements
We may disclose your information if required by law, subpoena, court order, or governmental authority, or when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with a legal obligation.
5.3 Business Transfers
In the event of a merger, acquisition, or sale of all or substantially all of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our site before your data is transferred and becomes subject to a different privacy policy.
6. Data Retention
We retain your personal data for as long as your account is active or as needed to provide you the service. We may retain certain data for longer periods where required by law or legitimate business purposes (e.g., transaction records for tax compliance). You may request deletion of your account and associated data at any time by contacting esserfinancial@gmail.com. We will process deletion requests within 30 days, subject to any legal retention obligations.
7. Your Rights
Depending on your jurisdiction, you may have the following rights regarding your personal data:
- Access: request a copy of the personal data we hold about you
- Correction: request correction of inaccurate or incomplete data
- Deletion: request deletion of your personal data (subject to legal obligations)
- Portability: request a machine-readable copy of your data
- Objection: object to processing based on legitimate interests
- Restriction: request that we restrict processing in certain circumstances
- Withdrawal of consent: where processing is based on consent, withdraw it at any time
California residents may also exercise rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete, and the right to opt out of the sale of personal information (we do not sell personal information).
To exercise any of these rights, contact us at esserfinancial@gmail.com. We will respond within 30 days.
8. Cookies and Tracking
Esser Financial uses session cookies and local storage to maintain authentication state. We do not use third-party advertising cookies or cross-site tracking technologies. Our authentication provider (Supabase) may set cookies necessary for session management.
9. Security
We implement reasonable technical and organizational measures to protect your information, including encrypted data transmission (HTTPS/TLS), secure authentication managed by Supabase, and access controls. However, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.
10. Children's Privacy
Esser Financial is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn we have collected personal information from a child under 18, we will delete that information promptly. If you believe we have inadvertently collected such information, contact us at esserfinancial@gmail.com.
11. Third-Party Links
Our service may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to read their privacy policies.
12. International Data Transfers
Your information may be processed and stored in the United States and in other countries where our service providers operate. If you are located outside the United States, please be aware that your data may be transferred to and processed in countries with data protection laws that differ from those in your country.
13. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated effective date, and, where appropriate, by sending you an email notice. Your continued use of the service after the effective date of any changes constitutes your acceptance of the updated policy.
14. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact:
Company: Esser Financial LLC
Email: esserfinancial@gmail.com
Website: esserfinancial.org