BIC+ App Privacy Policy
Effective Date: January 30, 2026
Black Investors Coalition (“BIC”, “we”, “us”, or “our”) operates the BIC+ mobile application (“App”). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our App.
Please read this policy carefully. By using the App, you agree to this Privacy Policy. If you do not agree, please do not use the App.
1. Information We Collect
We collect information necessary to operate and improve our App and provide educational, community, and financial literacy services.
• Account Information: Name, username, email address, and password (encrypted).
• User Content: Posts, comments, messages, and profile details within the private community.
• Usage Data: Interactions, viewed content, session time, and technical details such as device information, IP address, and operating system.
• Payment Data: Processed by trusted third parties (e.g., Stripe); we do not store full payment details.
• Optional Data: Settings, preferences, push notification choices.
We do not collect precise location data, biometric information, or financial account login credentials.
2. How We Use Information
We use collected information to:
• Provide and maintain the App and its features.
• Personalize educational content and improve user experience.
• Enable community interactions, chats, and collaboration.
• Send app updates or financial literacy notifications (optional).
• Protect against fraud and meet legal requirements.
3. Sharing and Disclosure
We may share your information as follows:
• Service Providers: With secure partners that support hosting (AWS), analytics (Firebase), and messaging (OneSignal).
• Community Visibility: User-submitted content is visible to other registered members.
• Legal Compliance: To comply with applicable laws or lawful requests.
• Business Transfers: As part of a merger or acquisition.
We do not sell user data.
4. Data Security and Retention
We use advanced security methods (AES-256 encryption, HTTPS, and access control) to protect data.
Data is retained as long as your account is active or as required by law. You may request deletion at any time.
5. Your Rights and Choices
Depending on your location, you may:
• Access, correct, or delete your personal data (via settings or email).
• Opt out of marketing messages.
• Exercise privacy rights under CCPA (California) or GDPR (EU/UK), including data portability and the right to be forgotten.
To make a request, contact: stockmarketcharlie@blackinvestorscoalition.org.
6. Children’s Privacy
The App is intended for users aged 18 and older. We do not knowingly collect data from children under 13.
7. Third-Party Links
Our App may contain links to external sites (e.g., blackinvestorscoalition.org, app stores). We are not responsible for their privacy practices.
8. Policy Updates
We may update this Privacy Policy periodically. We will notify users of material changes within the App or by email.
9. Contact Us
For any questions, contact us at:
Black Investors Coalition
Indianapolis, Indiana, USA
Email: stockmarketcharlie@blackinvestorscoalition.org