Privacy Policy

1. What we collect

• Account: your name, email address, and password (stored only as a secure hash; we cannot read it).
• Questionnaire: your answers about goals, time horizon, and risk comfort, which become your investment mandate.
• Portfolio activity: the simulated portfolios, orders, decisions, theses, and reviews MoorLine manages for you, and your chat messages with MoorLine.
• Linked brokerage data (only if you link): read-only balances, positions, and basic account details from the account you connect.
• Paper account keys (only if you provide them): stored encrypted.
• Technical basics: standard server logs (timestamps, IP addresses) kept for security and debugging.

2. What we deliberately don't collect

• Your brokerage username or password: you log in at your brokerage’s own site; the connection we receive is read-only.
• Social Security numbers, bank account numbers, or payment details · the beta is free and we don’t ask for any of these.
• Advertising or analytics trackers: there are none in the app. No cookies beyond the one that keeps you signed in.

3. How we use your information

• To run MoorLine: build your mandate, generate and manage your simulated portfolio, show your dashboard, and answer your chat messages.
• To keep the service safe: authentication, abuse prevention, debugging.
• To improve MoorLine’s judgment: we review decision quality against written standards. Where feasible we use anonymized or aggregate views for this.
• To contact you about your account (like password resets or important service notices). No marketing emails.

4. Who processes data for us

MoorLine works because a few specialized providers handle specific jobs. They receive only what their job requires:

• Anthropic: the AI that generates portfolio reasoning processes relevant portfolio and mandate context via Anthropic’s API.
• SnapTrade: securely connects your real brokerage in read-only mode; your brokerage login happens with them and your brokerage, never with us.
• Alpaca: provides paper-trading accounts and market data.
• Cloudflare: network routing and security for moorline.com and moorlinewealth.com.
• Google (Gmail): delivers account emails such as password resets.

We never sell your personal information, and we don’t share it with anyone else except if the law requires it or to protect the safety of the service and its users.

5. How we protect it

All traffic is encrypted (HTTPS). Passwords are hashed. Brokerage credentials and connection secrets are encrypted at rest. Data lives on systems we control in the United States, with encrypted nightly backups kept for 14 days. No system is perfectly secure, but we treat your data like it’s our own money: carefully.

6. How long we keep it

We keep your data while your account is active, because the permanent decision record is the product. If you delete your account, we delete your personal data within 30 days, except minimal records we need for security or legal reasons; backups age out on their 14-day cycle.

7. Your choices

• See it: email us and we’ll give you a copy of your data.
• Unlink it: disconnect a linked brokerage at any time in the app or by emailing us.
• Delete it: email us to delete your account and data.

8. Children

MoorLine is for adults 18 and over. We don’t knowingly collect data from anyone under 18; if that happens, tell us and we’ll delete it.

9. Changes to this policy

If we make meaningful changes, we’ll post the new version here with a new effective date and note it in the app.

10. Contact

Privacy questions or requests: support@moorline.com.