Privacy

This page explains which personal data Tickerbit processes, why, and what rights you have. It follows the Swiss Data Protection Act (nDSG) and, where it applies, the EU GDPR.

Who is responsible

Pascal Beck, Tickerbit, Luisenstrasse 25, 8005 Zürich, Switzerland, hey@heyapply.ch.

What we store

• Account: name, email address, a hashed password, and login sessions.
• Portfolio: the holdings, quantities, buy prices and dates you enter or import. A file you upload for import is read once and not kept.
• Your profile: whether you live in Switzerland and your answers to the thirteen profile questions (what the money is for, when you need it, your experience with stocks and with funds, two questions on how a fall and a large holding work, how much of your savings it is, and in ranges what you own in total, your cash reserve, your household income and your debts, what a fall would mean for you, how you react to one), with the date you confirmed them.
• Your strategy: the limits and marks you agreed, whether Tickerbit may recommend adding to a holding, your display currency, the language you use the app in, and whether you want emails.
• Your notes and answers: the reason you write down for owning a holding, and what you answer to a recommendation, with the date.
• The advice record: every recommendation Tickerbit gave you, the facts behind it, and your profile and strategy at that time.
• Weekly summaries: what each week's check found, so the app can show past weeks.
• What you have been told: which recommendations Tickerbit has already sent you a message about, so it does not repeat itself.
• Notifications: if you allow them in the iOS app, a push token that identifies your phone to Apple's notification service.
• Usage: how much AI capacity your statement imports used, so we can keep costs fair.

We do not connect to your bank or broker and never see your account credentials there.

Why we use it

Only to advise you: value your portfolio, check your holdings against your strategy and make sure every recommendation fits your profile. We do not sell your data, do not show it to other users and do not use it for advertising.

Service providers

We use these providers to run Tickerbit. Some are based in the USA; we rely on their standard contractual clauses.

• Vercel (hosting, USA and EU).
• Neon (database, servers in Frankfurt, Germany).
• Google Gemini (AI, USA). Only when you import a statement: the file you upload is sent to it to read your holdings. On the paid plan we use, Google does not use this data to train its models.
• Anthropic Claude (AI, USA). Only when Tickerbit advises you: your holdings with their shares, gains and losses, your profile and your answers to recommendations are sent to it so Tickerbit can form a recommendation. Without your name, email address or account details. Anthropic does not use this data to train its models.
• Inngest (scheduling of the price and data updates, USA). It receives technical identifiers, not your portfolio.
• Market data services (Yahoo Finance, Financial Modeling Prep). They only receive stock symbols, never who holds them.
• Tavily (news search, USA). It receives company names and sector names (such as “technology stocks”) to find recent headlines, never who holds them.
• Expo and Apple (push notifications, USA). They receive your push token and the text of the notification. It names the holding, the recommendation and percentages, for example “Sell half of your NVIDIA. +120% since you bought.” It never contains money amounts or share counts.
• Resend (sending emails, USA): your email address and the text of the email, which names your holdings and amounts, if emails are on.

Cookies

We only set the cookie that keeps you signed in. There are no tracking or advertising cookies and no analytics tools.

How long we keep it

As long as you have an account. When you delete your account under Account, your account, settings, portfolios, transactions, profile, notes, answers, weekly summaries, message records and push tokens are deleted right away. The advice record is kept: every recommendation and every purchase check Tickerbit gave you, with your profile and strategy at that time and the email address you had. An adviser must be able to show later what was recommended and why. It is locked away and used only to answer you, the ombudsman or a court. It is deleted ten years after your account.

Your rights

You can ask what data we hold about you, have it corrected or deleted, and get a copy. Write to hey@heyapply.ch. You can also complain to the Swiss Federal Data Protection and Information Commissioner (edoeb.admin.ch).