Privacy Policy.
What we collect, why we collect it, and the choices you have. Navaratnas is an educational equity-research publication; we keep data collection to the minimum needed to deliver the emails and account features you ask for.
1. Who we are
Navaratnas (“Navaratnas,” “we,” “us”) is a financial publisher operated by Tao.ai. You can reach us at [email protected] for any privacy question or request.
2. Information we collect
- Email address — when you subscribe to a newsletter tier or create an account.
- Account identifiers — a user ID and a verification token issued by our sign-in provider when you log in. We do not store passwords; authentication is delegated to our login provider.
- Subscription & payment records — the tier you hold, its status, the price you paid (for grandfathering), and a payment order reference. Card numbers are processed by our payment provider and are never stored on our servers.
- Requests you make — for example, a ticker you ask us to track, together with the time and, if provided, your email.
- Usage & device data — standard analytics (pages viewed, approximate region, browser type) collected via Google Analytics 4, and server logs containing IP address and request metadata.
3. How we use your information
- To send the research emails and account notifications you signed up for.
- To create and maintain your account and entitlements.
- To process and remember subscription purchases, including honoring the price you locked in.
- To measure and improve the site, and to keep it secure and prevent abuse.
We do not sell your personal information.
4. Cookies & analytics
We use a single first-party session cookie to keep you signed in. We use Google Analytics 4 for aggregate, privacy-respecting usage statistics; GA may set its own cookies. You can block cookies in your browser or opt out of Google Analytics with Google’s opt-out tools — the site will still work.
5. Third parties we share data with
We share the minimum necessary data with service providers that operate parts of the product:
- Login & paywall provider (Werify) — verifies your identity and processes subscription checkout.
- Email delivery (LNBOX) — sends transactional and newsletter email.
- Google Analytics — aggregate usage measurement.
These providers act on our behalf and are not permitted to use your data for their own marketing.
6. Data retention
We keep account, subscription, and payment records for as long as your account is active and as required for tax, accounting, and legal purposes. Analytics data is retained per Google Analytics’ default retention settings. You may ask us to delete your data at any time (see below).
7. Your choices & rights
- Unsubscribe — every newsletter email includes a one-click unsubscribe link.
- Access or deletion — email [email protected] to request a copy of, correction to, or deletion of your personal data.
- Account closure — closing your account removes your sign-in identity from active use; residual records are retained only as legally required.
8. Security
Sessions use signed, HTTP-only, secure cookies. Secrets are held server-side and never exposed to the browser. No method of transmission or storage is perfectly secure, but we take reasonable measures to protect your information.
9. Children
Navaratnas is intended for adults making their own financial decisions. We do not knowingly collect information from anyone under 18.
10. Changes to this policy
We may update this policy from time to time. Material changes will be reflected by the “last updated” date above and, where appropriate, by email.
11. Contact
Questions or requests? Email [email protected]. See also our Terms of Service and Disclosures.