Privacy Policy

Last updated: December 2025

1. Who We Are

Perfient is an AI-powered financial analysis and decision-support platform designed to help users analyze portfolios, risk, and financial strategies without requiring personal identification.

2. What Data We Do NOT Collect

Perfient does not require or request:

• Real names
• Email addresses (optional, when available, used only for recovery, identity verification, and notifications. We recommend using email aliases for privacy.)
• Phone numbers
• Home or mailing addresses
• Government-issued identifiers
• Payment card or banking details (unless explicitly introduced in future paid plans)

3. Data We May Collect

To operate the service, Perfient may process the following limited data:

• User-provided financial inputs (e.g., portfolio holdings, allocations, assumptions)
• Profile inputs related to financial preferences or risk tolerance (PFT)
• Email address (optional, used only for recovery, identity verification, and notifications)
• Anonymous user identifier (chosen by the user)
• Technical metadata (e.g., session state, error logs, performance metrics)

All financial data is provided voluntarily by the user and is used solely to generate personalized analysis within the platform.

4. How Your Data Is Used

Your data is used exclusively to:

• Generate AI-driven financial analysis and insights
• Personalize responses based on your portfolio and preferences
• Improve system reliability and performance

Perfient does not sell user data, rent it, or use it for advertising purposes.

5. AI Processing & Anonymization

Before being processed by AI systems, user inputs may be:

• Summarized
• Abstracted
• Stripped of direct identifiers

We aim to reduce the possibility that stored or processed data can be linked back to an individual.

6. Data Storage & Retention

Data is retained only as long as necessary to provide the service. Users who lose their credentials may permanently lose access to their data, as Perfient does not maintain identity recovery mechanisms.

7. Security Measures

We implement reasonable technical and organizational safeguards, including:

• Encryption at rest and in transit (where applicable)
• Restricted access controls
• Separation of user identifiers from financial data

However, no system can be guaranteed 100% secure.

8. Your Responsibilities

You are responsible for:

• Safeguarding your user ID and password
• Ensuring the accuracy of data you provide

Perfient cannot recover lost credentials.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the “Last updated” date.

10. Contact

For questions about privacy or data usage, please contact us through the official Perfient website.