Present Value (“we,” “us,” or “our”) operates the website at presentvalue.ai. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. Please read it carefully. If you disagree with the terms of this policy, please do not access the site.

Account information. If you create an account, we collect your name, email address, and authentication credentials through our identity provider, Clerk. We do not store passwords directly.

Usage data. We automatically collect information about your device and how you interact with our website, including IP address, browser type, pages visited, time spent on pages, and referring URL.

Cookies and similar technologies. We use cookies and local storage for essential functionality such as authentication sessions and theme preferences. Analytics cookies are used only if you accept them on the cookie banner. See our Cookie Policy for details.

We use the information we collect to:

• Provide, operate, and maintain the website
• Authenticate your identity and manage your account
• Improve, personalize, and expand our services
• Understand and analyze how you use our website
• Communicate with you about updates, security alerts, or support
• Comply with legal obligations

We do not sell your personal data. We do not share it with advertisers, and we do not use it for advertising.

We use the following third-party services that may process your data:

• Clerk — authentication and user management
• Vercel — website hosting and analytics
• Google Cloud Platform — database hosting and data processing
• Google Analytics — visitor statistics, only if you accept analytics cookies

About Google Analytics. It is off until you choose “Accept” on the cookie banner. When on, it collects the pages you view, the time of your visit, the site that referred you, your device and browser type, and your approximate location (country and city, worked out from your IP address; Google Analytics does not store the IP address itself). We use this only as aggregate statistics to improve the site. We instruct Google Analytics not to use your data for advertising. You can withdraw consent at any time with the “Manage Cookies” link in the footer.

Each third-party service operates under its own privacy policy. We encourage you to review their policies.

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Account data is deleted upon account closure. Usage data is retained in aggregate form for analytics purposes.

We implement appropriate technical and organizational measures to protect your personal information, including encryption in transit (TLS) and at rest. However, no electronic transmission or storage method is 100% secure, and we cannot guarantee absolute security.

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Object to or restrict processing of your data
• Data portability
• Withdraw consent to analytics cookies at any time, using the “Manage Cookies” link in the footer

To exercise any of these rights, please contact us at the address below.

Our website is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the “Last updated” date. Your continued use of the site after changes constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy, please contact us at: privacy@presentvalue.ai