Privacy Policy

This Privacy Policy explains how Blackowl Pte Ltd (“Blackowl,” “we,” “us,” or “our”) collects, uses, shares, and protects your personal information when you use our website, mobile application, and services (collectively, the “Services”). We are committed to protecting your privacy and ensuring the security of your personal information. By accessing or using our Services, you agree to the terms of this Privacy Policy.

Blackowl Pte Ltd is a financial technology company registered in Singapore that provides AI-powered investment insights and trading capabilities through integrations with regulated third-party brokerage services. We are committed to maintaining the confidentiality and security of your personal information.

We collect only the personal information necessary to provide our services, such as:

• Account Information : Name, email address, phone number, date of birth, address, and government-issued identification for KYC/AML compliance.
• Financial Information : Bank account details, investment preferences, risk tolerance, and financial goals.
• Trading Data : Transaction history, portfolio holdings, and trading patterns.
• Technical Data : Device information, IP address, browser type, operating system, and usage data.
• Communication Data : Records of your interactions with our customer support team.
• Cookies and Tracking Technologies : Information collected through cookies, web beacons, pixels, and similar technologies to enhance site functionality and performance.

We process your personal data based on the following legal grounds:

• Contract Performance : Processing necessary to provide our services and fulfill our contractual obligations.
• Legitimate Interests : Processing that serves our legitimate business interests, such as fraud prevention, service improvement, and marketing.
• Legal Compliance : Processing required to comply with applicable laws and regulations, including securities laws, anti-money laundering regulations, and tax reporting requirements.
• Consent : Processing based on your explicit consent, which you may withdraw at any time.

Personal data is used to:

• Operate and maintain your account
• Execute trades via connected brokerage APIs
• Provide AI-generated investment insights
• Communicate updates, alerts, and service information
• Improve our services through analytics and research
• Comply with legal and regulatory obligations
• Detect and prevent fraud and security incidents
• Personalize your experience with our platform

We never use your data for purposes beyond those you have consented to or that are permitted by law.

We share data only with trusted service providers and regulatory bodies as required to:

• Deliver our services (e.g., through regulated brokerage partners for trade execution)
• Comply with legal obligations (e.g., regulatory reporting)
• Enforce our agreements
• Protect the rights, property, or safety of Blackowl, our users, or others

All third-party partners are contractually bound to maintain confidentiality and meet SOC 2 and ISO 27001 standards. We may also disclose your information:

• To respond to legal process (e.g., court order or subpoena)
• To comply with regulatory examinations or audits
• In connection with a merger, acquisition, or sale of assets

We use cookies, web beacons, pixels, and similar technologies to:

• Recognize your device
• Remember your preferences
• Analyze traffic patterns
• Improve site functionality
• Protect against fraudulent activity

You can manage or disable cookies via your browser settings, but some features may not function correctly without them.

We employ industry-standard controls including:

• AES-256 encryption at rest
• TLS encryption in transit
• Role-based access control
• Multi-factor authentication
• Continuous security monitoring
• Regular security assessments and penetration testing
• Employee security training

We maintain a comprehensive information security program designed to protect your data from unauthorized access, disclosure, alteration, and destruction.

We retain personal data only as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with regulatory requirements (e.g., SEC, FINRA, MAS)
• Resolve disputes
• Enforce our agreements

Thereafter, data is securely deleted or anonymized in accordance with GDPR principles and applicable data protection laws.

By using our services, you acknowledge that your data may be transferred to and processed in countries outside your jurisdiction. We ensure such transfers comply with GDPR, UK ICO, and other applicable data-protection frameworks through:

• Standard Contractual Clauses
• Data Processing Agreements
• Privacy Shield certification (where applicable)
• Adequacy decisions

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your data (subject to legal retention requirements)
• Restrict processing of your data
• Data portability
• Object to processing
• Withdraw consent
• Lodge a complaint with a data-protection authority

Blackowl Pte Ltd integrates with various third-party services to provide our comprehensive financial platform. These integrations include:

Brokerage Services

We integrate with regulated brokerage providers to execute trades and deliver brokerage functionality. All trading activity is conducted through your connected brokerage account, and your securities are held by a third-party clearing provider. Blackowl does not hold or manage brokerage accounts directly.

Financial Data Providers

• We utilize professional market data providers to deliver real-time and historical market data, company fundamentals, and financial news.
• These providers adhere to strict data security protocols and are contractually obligated to protect any user information they may access.

Analytics and Performance Monitoring

• We employ analytics tools to monitor platform performance, identify bugs, and improve user experience.
• These tools collect anonymized usage data to help us understand how users interact with our platform.

Cloud Infrastructure

• Our platform is hosted on enterprise-grade cloud infrastructure with SOC 2 Type II compliance.
• All data stored on these services is encrypted both in transit and at rest.

Payment Processing

• For subscription payments and fund transfers, we utilize secure payment processors that comply with PCI DSS standards.
• These processors handle sensitive financial information according to industry best practices.

Authentication Services

• We may use third-party authentication providers to enable secure login options.
• These services help protect your account from unauthorized access.

AI and Machine Learning Services

• Our AI-powered insights are developed using third-party machine learning infrastructure.
• These services process market data to generate investment insights but do not have access to your personal identifying information.

Compliance and KYC/AML Services

• We utilize specialized services for identity verification and regulatory compliance.
• These services help us meet our legal obligations while protecting against fraud.

Communication Services

• We use third-party email and notification services to communicate with you about your account.
• These services are bound by confidentiality agreements and only use your contact information for authorized communications.
• All third-party service providers are carefully vetted and must adhere to equivalent or superior privacy and security standards as Blackowl. We enter into data processing agreements with these providers to ensure they handle your data responsibly and in compliance with applicable laws and regulations.

We regularly review our third-party relationships to ensure they maintain appropriate security controls and data protection practices. If a third-party service provider fails to meet our standards, we will terminate the relationship and seek an alternative solution.

For more information about specific third-party services we use, please contact our support team at
[email protected]

Our services are not directed to individuals under 18. We do not knowingly collect personal data from minors. If you believe we have inadvertently collected such data, please contact us for removal.

We may update this policy to reflect changes in legal requirements or our practices. The "Last Updated" date at the top indicates when changes were made. Significant revisions will be communicated via email or in-app notices. Continued use after updates constitutes acceptance of the revised policy.

For questions about this policy, please contact:

[email protected]