This Privacy Policy explains how Financial Impact Journal ("FIJ", "we", "our") collects, stores, and uses your information when you use the FIJ terminal at fij-dashboard.emergent.host. By creating an account you acknowledge and accept the practices described here.
To use FIJ you must create an account. During sign-up we collect your full name, email address, and a password you choose. To finalize registration we generate a one-time 8-character Access Key that only you see and must re-enter to confirm ownership of the session.
Your password and access key are never stored in plain text. Both are hashed with bcrypt (12 rounds) before persistence. Sign-in is protected by short-lived JWT session tokens; logout invalidates them client-side.
Account data (user id, full name, email, bcrypt hashes for password and access key, creation timestamp, email-verified flag, last-login timestamp) is stored in a MongoDB Atlas cluster hosted in the cloud. Only the FIJ backend can read these records; no third party has direct access.
Operational data — market prices, index snapshots, news items, AI analyses of stocks and news events, morning briefs, and daily analysis-quota counters — is stored in FIJ's internal MongoDB instance to power your dashboard experience. These records are keyed to your account only where necessary (e.g., daily AI-analysis quota).
FIJ does not use tracking cookies, advertising cookies, or third-party analytics beacons. To keep you signed in we store a signed JWT session token and a small profile object in your browser's localStorage. Signing out or clearing your browser storage removes these immediately.
FIJ uses Claude Sonnet (via Anthropic) to generate: the Morning Brief, the Market Narrative synthesis, Historical Journal impact analyses, event-detail summaries, and per-stock AI analyses (summary, verdict, confidence, strengths, risks).
AI outputs are probabilistic and may contain factual errors, outdated information, or reasoning gaps. They are informational only and must not be treated as personal financial advice, portfolio recommendations, or guarantees of any market outcome. Always verify against primary sources before acting.
To provide live market data, news, and AI insights, FIJ makes server-side requests to the following third-party services:
These providers each have their own privacy policies. FIJ does not share your account identifiers with them — requests are made from FIJ's backend only.
You may request deletion of your account and associated data at any time by reaching us via the Contact page. We will action verified requests within 30 days.
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