Policies & Agreements

Privacy Policy

Last Updated: June 2026

PAYNE AI Advisory ("Company," "we," "us," or "our") operates payneaiadvisory.com and related services (the "Platform"). This Privacy Policy explains how we collect, use, and protect your information.

By using the Platform, you agree to this Privacy Policy.

1. Information We Collect

Information you provide:

• Account details (name, email, password)
• Profile information you choose to add
• Payment information (processed via Stripe; we do not store full card numbers)
• Content you post in the community, DMs, or AI Crew chats

Automatically collected:

• Device, browser, and IP information
• Usage data (pages visited, features used, time spent)
• Cookies and similar technologies

2. How We Use Your Information

• Provide and maintain the Platform
• Process payments and manage subscriptions
• Communicate with you (account notices, support, product updates)
• Improve features, content, and AI Crew performance
• Detect, prevent, and address fraud or abuse
• Comply with legal obligations

3. How We Share Your Information

We do not sell your personal information. We share it only with:

• Service providers (hosting, payment processing, email delivery, analytics)
• Legal authorities when required by law
• Successor entities in the event of a merger or acquisition

These providers are contractually obligated to use your data only to provide services to us. We may disclose your information if required by law or to protect our rights or the safety of others.

4. Data Retention

We retain your account data for as long as your account is active. If you delete your account, we will delete or anonymize your personal data within 30 days, except where retention is required by law.

5. Cookies

We use cookies to keep you logged in, remember preferences, and analyze usage. You can control cookies through your browser settings; disabling them may affect Platform functionality.

6. Your Rights

Depending on your location, you may have the right to access, correct, delete, or export your personal data. California residents have rights under CCPA. To exercise any right, contact: privacy@payneaiadvisory.com

7. Children's Privacy

The Platform is not directed to individuals under 18. We do not knowingly collect data from minors and will delete it if discovered.

8. Security

We use industry-standard measures including HTTPS/TLS encryption and access controls. No system is completely secure; we cannot guarantee absolute security.

9. Changes

We may update this policy periodically. Material changes will be communicated via email or in-app notice. Continued use constitutes acceptance.

10. Contact

PAYNE AI Advisory — privacy@payneaiadvisory.com — payneaiadvisory.com