PrivacyPolicy

Introduction

BullTimes Financial Intelligence ("BullTimes," "we," "us," or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://BullTimes.com and use our services.

Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy.

Information We Collect

1. Personal Information

We may collect personal information that you voluntarily provide to us, including:

• Your name, email address and profile picture from your Google account. Sign-in is through Google only; BullTimes holds no password for you
• What you enter in the planner, the tax-year workspace and your profile (listed in full under “What we store, exactly” below)
• If you buy an Insurance Lab report: the order, amount and payment status. Card and bank details are handled by Razorpay and never reach us
• Your email subscriptions and their preferences
• Anything you post in the community, or send us through the contact form

2. Automatically Collected Information

When you access our services, we automatically collect certain information, including:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Location data (general geographic location)
• Cookies and similar tracking technologies
• Analytics and performance data

3. Financial Data

Only what you choose to enter, and only when you are signed in and press save. We do not connect to your bank, broker or demat account, and we do not import statements. Calculator inputs are not stored: they live in the page address in your browser.

What we store, exactly

The list below is every kind of record BullTimes keeps about a signed-in member. If it is not here, we do not store it.

• Account: name, email, profile picture, role, when you joined and last signed in, and the IP addresses you registered and last signed in from (for abuse prevention)
• Profile: anything you add in Settings, such as a bio, profession or interests
• Planner: your financial profile (income, expenses, tax regime), goals and milestones, assets, liabilities and health-check results
• My tax year: the income, deductions and tax-paid figures you save for each financial year
• Saved calculations: the calculator page address and the name you gave it; the address holds the inputs
• Calendar: reminders you add, and a private calendar-feed link if you create one. Feed and calendar events carry no amounts
• Insurance Lab: a policy analysis, only if you save it
• Learn: which lessons you marked complete
• Community: your posts, comments and votes
• Email: which lists you joined (weekly digest, monthly goal email, weekly reminders) and when

What we do not store

• Calculator inputs or results, unless you save the calculation. Analytics events name the calculator and nothing else; page views are recorded without the address’s query string, which is where your figures are
• “Was this useful?” votes are counted per page, with nothing about who voted. A “report a wrong figure” message keeps an email address only if you type one
• Passwords, card numbers, bank or demat credentials, PAN or Aadhaar
• Bank, broker or mutual-fund statements. No feature asks for one

Sent to an AI provider

When you ask the Insurance Lab to explain an analysis, the policy figures behind it are sent to the AI provider we use (DeepSeek or OpenAI) to write the explanation. Nothing that identifies you is sent with them.

Export and delete

Export: Settings → Your data downloads everything above as one JSON file, at any time. Delete:on the same tab, “Delete account” sends a confirmation link to your email; following it deletes your account and the records above, with two exceptions: a saved Insurance Lab analysis is kept without any link to you, and the newsletter list keeps your address marked unsubscribed so it is never mailed again. Each email has its own one-click unsubscribe link.

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide, maintain, and improve our calculators, planner, Insurance Lab and community
• Personalization: To show your own saved goals, profile and planner figures back to you
• Communication: To send you updates, newsletters, and important service notifications
• Analytics: To analyze usage patterns and improve our platform's performance
• Security: To protect against fraud, unauthorized access, and security threats
• Legal Compliance: To comply with applicable laws and regulations
• Marketing: To send promotional materials (with your consent)

Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Legal Requirements: When required by law or to protect our rights
• With Your Consent: When you explicitly authorize us to share your information

Data Security

We implement industry-standard security measures to protect your personal information:

• Encryption of data in transit and at rest using SSL/TLS protocols
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Secure data storage with reputable cloud service providers
• Employee training on data protection and security best practices
• Incident response and breach notification procedures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Opt-Out: Unsubscribe from marketing communications
• Withdraw Consent: Withdraw previously given consent

To exercise these rights, please contact us at support@bulltimes.com.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. You can control cookie preferences through your browser settings. Note that disabling cookies may limit certain features of our service.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us: