Privacy Policy

Last updated: December 2024

1. Introduction

MuniWave ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our municipal bond software platform.

2. Information We Collect

Account Information

When you create an account, we collect:

• Email address
• Name (if provided)
• Account preferences

Authentication is handled by Clerk, a third-party authentication provider. Please review Clerk's Privacy Policy for information about how they handle your data.

Bond Data

When you use our tools, we collect and store:

• Bond series information you create or upload
• Project and library data
• DDL file contents
• Calculation inputs and outputs

Usage Information

We automatically collect:

• Feature usage statistics (DDL downloads, calculations performed, BondBot messages)
• Session information
• Error logs for troubleshooting

Payment Information

Payment processing is handled by Stripe. We do not store your credit card numbers or payment details directly. Please review Stripe's Privacy Policy for information about how they handle payment data.

3. How We Use Your Information

We use the information we collect to:

• Provide and maintain the Service
• Process your transactions and manage your subscriptions
• Store and sync your bond data across devices
• Enforce usage limits based on your subscription tier
• Improve and develop new features
• Communicate with you about the Service
• Respond to support requests
• Detect and prevent fraud or abuse

4. BondBot and AI Processing

When you use BondBot, your conversation messages are sent to our AI processing systems to generate responses. We may retain conversation history to:

• Provide context within your session
• Improve the quality of AI responses
• Monitor for abuse or policy violations

Do not share sensitive personal information, confidential financial data, or information about specific real deals in BondBot conversations.

5. Data Sharing

We do not sell your personal information. We may share information with:

• Service Providers: Third parties that help us operate the Service (Clerk for authentication, Stripe for payments, cloud hosting providers)
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Data Retention

We retain your account and bond data for as long as your account is active or as needed to provide the Service. If you delete your account, we will delete or anonymize your data within a reasonable timeframe, unless we are required to retain it for legal purposes.

7. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption in transit (HTTPS/TLS)
• Secure authentication through Clerk
• Regular security reviews

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

8. Your Rights

Depending on your location, you may have rights to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Export your data in a portable format
• Opt out of certain data processing

To exercise these rights, please contact us through our Contact page.

9. Cookies and Tracking

We use essential cookies and local storage to:

• Maintain your authentication session
• Remember your preferences
• Enable core functionality

We do not use third-party advertising or tracking cookies.

10. Children's Privacy

MuniWave is not intended for use by children under 13 years of age. We do not knowingly collect personal information from children under 13.

11. International Users

MuniWave is operated from the United States. If you access the Service from outside the United States, your information may be transferred to and processed in the United States.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us through our Contact page.