Privacy Policy

Overview

TaxGhost ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our tax-loss harvesting platform.

Information We Collect

Account Information

• Email address and account credentials
• Name and basic profile information
• Subscription and billing information
• Communication preferences

Financial Information (Read-Only)

• Investment holdings and positions
• Transaction history (buys and sells)
• Account balances (investment amounts, not cash)
• Cost basis and tax lot information

Usage Information

• Platform usage patterns and preferences
• Tax-loss harvesting actions taken
• Feature usage and engagement metrics
• Technical information (IP address, browser type, device info)

How We Use Your Information

Core Services

• Analyze your portfolio for tax-loss harvesting opportunities
• Generate daily recommendations and confidence scores
• Monitor wash-sale compliance and provide alerts
• Calculate tax savings and generate reports
• Provide AI tax coaching based on your portfolio

Account Management

• Manage your account and subscription
• Provide customer support and respond to inquiries
• Send important service notifications and updates
• Process payments and billing

Platform Improvement

• Analyze usage patterns to improve our algorithms
• Develop new features and enhance user experience
• Conduct research for better tax optimization strategies
• Ensure platform security and prevent fraud

Data Security

We implement industry-leading security measures to protect your information:

Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share information only in these limited circumstances:

• Service Providers: Trusted partners who help us operate our platform (Plaid for brokerage connections, payment processors, etc.)
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with user notification)
• Consent: When you explicitly authorize us to share information

Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we have about you
• Correction: Request corrections to inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a copy of your data in a portable format
• Opt-out: Unsubscribe from marketing communications
• Account Closure: Delete your account and associated data

To exercise these rights, contact us at privacy@taxghost.com

Cookies and Tracking

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for platform functionality and security
• Performance Cookies: Help us understand how you use our platform
• Preference Cookies: Remember your settings and preferences

You can control cookie settings through your browser, though disabling essential cookies may affect platform functionality.

Data Retention

We retain your information for as long as necessary to provide our services:

• Account Data: While your account is active and for 90 days after closure
• Transaction Records: 7 years for tax and audit purposes
• Communication Records: 3 years for customer service purposes
• Legal Requirements: As required by applicable laws and regulations

Contact Us

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

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of significant changes via email or platform notification. Your continued use of TaxGhost after such changes constitutes acceptance of the updated policy.