1. Introduction

Fermi is a financial modeling application built by Opt42 ("we," "our," or "us"). This Privacy Policy explains what we collect, how we use it, and your choices when you use Fermi and related websites or services.

2. Information We Collect

Account & Contact: name, email, and communication preferences when you sign up or contact us.
App Content: models, projects, scenarios, portfolio holdings, assumptions, uploaded notes or attachments you choose to store in Fermi.
Usage & Device: IP address, device/browser type, pages viewed, referring URLs, crash logs, and performance metrics.
Cookies & Local Storage: used for authentication, preferences, analytics, and a smoother in‑app experience. You can control these via your browser settings.

3. How We Use Information

We use information to:
• Provide, secure, and improve the app and its features.
• Personalize your experience (e.g., remember settings, recent models).
• Deliver support and respond to requests.
• Analyze product usage to guide reliability and feature development.
• Comply with legal obligations and enforce terms.

4. AI & Third‑Party Services

Fermi may integrate with third‑party services (e.g., cloud hosting, analytics, optional AI providers). When enabled, relevant data may be processed by those providers solely to deliver the requested functionality. We use reasonable contractual and technical safeguards and limit data sharing to what’s necessary. Service providers are obligated to protect your information and use it only on our instructions.

5. Data Sharing

We do not sell or rent personal information. We may share information with:
• Service providers who support hosting, storage, analytics, support, and security.
• Legal/Compliance when required by law or to protect rights, safety, or the integrity of our services.
• Business transfers in the event of a merger, acquisition, or similar transaction, subject to this Policy.

6. Data Retention

We retain personal information for as long as needed to provide the service, meet legal obligations, resolve disputes, and enforce agreements. You can request deletion of your account data as described in Your Rights.

7. Security

We implement reasonable administrative, technical, and physical safeguards to protect your data. No method of transmission or storage is 100% secure, but we work to protect information from unauthorized access, alteration, or disclosure.

8. Your Rights

Depending on your location, you may have rights to access, correct, delete, or restrict certain processing of your data, and to opt out of marketing communications. To make a request, contact us via Contact. We’ll verify your request as required and respond consistent with applicable laws.

9. International Transfers

We may process and store information on servers located in different countries. Where required, we use appropriate safeguards to protect personal data when it is transferred across borders.

10. Children’s Privacy

Fermi is not directed to children under 18, and we do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes to our practices or for legal, operational, or regulatory reasons. If we make material changes, we will notify you by posting the updated policy and updating the “Last updated” date above.

12. Contact Us

Questions or requests? Reach us at Contact.