Privacy Policy

Last updated: May 27, 2026

1. Introduction

Marginox ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains what personal information we collect, how we use it, and the choices you have regarding your data when you use the Marginox platform ("Service").

By using the Service, you consent to the practices described in this policy. If you do not agree, please discontinue use of the Service.

2. Information We Collect

We collect the following categories of information:

Account Information

• Email address: provided during registration, used for authentication and communication.
• Password: stored only as a cryptographic hash. We never store or have access to your plaintext password.

Usage Analytics

• Pages visited and features used within the platform.
• Session duration and interaction patterns.
• Analytical queries and tool usage frequency.

Device and Technical Information

• Browser type and version.
• Operating system.
• Device type (desktop or mobile).
• IP address (used for security and fraud prevention; not linked to your profile for analytics).

3. How We Use Your Information

We use the information collected to:

• Provide, operate, and maintain the Service.
• Authenticate your identity and secure your account.
• Process subscription payments and manage billing.
• Improve and optimize the platform based on aggregate usage patterns.
• Communicate with you regarding your account, service updates, or support requests.
• Detect and prevent fraud, abuse, or unauthorized access.

4. Cookies and Sessions

Marginox uses essential cookies and session tokens to keep you logged in and maintain your preferences during a browsing session. We do not use third-party advertising or tracking cookies.

• Session cookie: a temporary cookie that expires when you close your browser or after a set inactivity period. Used for authentication.
• Preference cookie: stores non-sensitive settings such as display preferences. Persists between sessions.

You can configure your browser to reject cookies, but this may prevent you from using certain features of the Service.

5. Third-Party Services

We share limited information with the following third-party provider:

• Stripe: processes all subscription payments. When you subscribe, Stripe collects your payment details (card number, billing address) directly. We do not store your full payment card information on our servers. Stripe's handling of your data is governed by the Stripe Privacy Policy.

We do not sell, rent, or share your personal information with any other third parties for marketing or advertising purposes.

6. Data Retention

• Account data is retained for as long as your account is active. Upon account deletion, personal data is removed within 30 days, except where retention is required by law.
• Usage analytics are stored in aggregate, anonymized form and may be retained indefinitely to improve the Service.
• Billing records are retained for a minimum of 7 years in accordance with Canadian tax and financial record-keeping requirements.

7. Data Security

We implement industry-standard security measures to protect your data, including:

• Encryption of data in transit (TLS/HTTPS).
• Cryptographic hashing of passwords (bcrypt).
• Access controls limiting employee access to personal data on a need-to-know basis.

While we take reasonable precautions, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security.

8. Your Rights

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

• Access the personal data we hold about you.
• Correct inaccurate or incomplete data.
• Delete your account and associated personal data.
• Export your data in a portable format.
• Withdraw consent for data processing at any time, which may result in loss of access to the Service.

To exercise any of these rights, contact us at info@marginox.com. We will respond within 30 days.

9. Children's Privacy

The Service is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected data from a user under 18, we will promptly delete the account and associated data.

10. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you via email or through a notice on the platform at least 14 days before the changes take effect. Your continued use of the Service after changes become effective constitutes acceptance of the updated policy.

11. Contact

If you have questions or concerns about this Privacy Policy or your personal data, contact us at:

info@marginox.com

This policy is governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.