Privacy Policy

Last Updated: 1/6/2026

Hot Talk LLC ("Hot Talk," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and related services (collectively, the "Service"). Please read this Privacy Policy carefully. By using the Service, you consent to the data practices described in this policy.

1. Information We Collect

Information You Provide:

• Account registration information (username, email address, password)
• Profile information and preferences
• Opinions, content, and other materials you create or post
• Trading activity, transaction history, and portfolio data
• Communications with us (support requests, feedback)
• Payment information (processed through third-party payment processors)

Information Automatically Collected:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, features used, time spent)
• Log files and analytics data
• Cookies and similar tracking technologies
• Location data (if enabled on your device)

2. How We Use Your Information

We use the information we collect to:

• Provide, operate, maintain, and improve the Service
• Process transactions and manage your account
• Authenticate users and prevent fraud
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and requests
• Monitor and analyze trends, usage, and activities
• Personalize your experience and provide relevant content
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations and enforce our Terms of Service

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following circumstances:

• Service Providers: With third-party service providers who perform services on our behalf (hosting, analytics, payment processing, customer support)
• Legal Requirements: When required by law, court order, or government regulation, or to respond to legal process
• Protection of Rights: To protect our rights, property, or safety, or that of our users or others
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with notice to users)
• With Your Consent: When you explicitly authorize us to share your information

4. Public Information

Certain information is publicly visible on the Service as part of its social and trading features:

• Your username and profile information
• Opinions and content you create
• Public trading activity (buys, sells, shorts)
• Leaderboard rankings and statistics
• Bundle information (if made public)

This information is integral to the Service's functionality. By using the Service, you acknowledge that this information will be publicly visible.

5. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect and store information about your use of the Service. These technologies help us:

• Remember your preferences and settings
• Analyze how you use the Service
• Provide personalized content and advertisements
• Improve security and prevent fraud

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of the Service.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security assessments and updates
• Employee training on data protection

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

7. Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

When you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal, regulatory, or business purposes.

8. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-Out: Opt out of certain data processing activities
• Account Deletion: Delete your account and associated data

To exercise these rights, please contact us at chat@hottalkllc.com. We will respond to your request within a reasonable timeframe.

9. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• The right to know what personal information we collect, use, and disclose
• The right to delete your personal information
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information provided in Section 11.

10. Children's Privacy

The Service is not intended for users under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. By using the Service, you consent to the transfer of your information to these countries.

12. Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party websites or services you visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of material changes by:

• Posting the updated Privacy Policy on this page
• Updating the "Last Updated" date
• Sending you an email notification (for material changes)

Your continued use of the Service after such modifications constitutes your acceptance of the updated Privacy Policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: chat@hottalkllc.com

Mail: Hot Talk LLC
30 Irma Avenue
Watertown, MA 02472
United States