Privacy Policy

Last Updated: January 20, 2026

1. Introduction

Quartal ("we," "us," "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website at quartal.io (the "Service").

Please read this Privacy Policy carefully. By using the Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide to Us

We collect information you voluntarily provide when you:

• Create an account (name, email address, password)

• Update your profile or preferences

• Contact us for support or inquiries

• Subscribe to newsletters or updates

• Participate in surveys or feedback forms

2.2 Automatically Collected Information

When you access the Service, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers

• Usage Data: Pages viewed, time spent on pages, click patterns, search queries

• Cookies and Tracking Technologies: See Section 4 for details

2.3 Information from Third Parties

We may receive information from:

• Authentication services (if you use social login)

• Payment processors (for subscription billing)

• Analytics providers

• Marketing and advertising partners

2.4 Franchise Research Data

Important: Information about franchise brands, FDD data, earnings, and failure rates that we display on the Service is sourced from publicly available Franchise Disclosure Documents. This is not your personal information and is not covered by this Privacy Policy as personal data.

3. How We Use Your Information

We use collected information for the following purposes:

3.1 To Provide and Maintain the Service

• Create and manage your account

• Process subscriptions and payments

• Provide customer support

• Send service-related communications

3.2 To Improve and Personalize the Service

• Analyze usage patterns and trends

• Understand user preferences

• Develop new features and functionality

• Personalize content and recommendations

3.3 For Marketing and Communications

• Send newsletters and updates (with your consent)

• Provide information about new features or offerings

• Conduct surveys and gather feedback

3.4 For Security and Legal Compliance

• Detect and prevent fraud and abuse

• Ensure compliance with our Terms of Service

• Comply with legal obligations

• Protect our rights and property

3.5 With Your Consent

• Any other purpose disclosed to you when collecting information

• As otherwise permitted by applicable law

4. Cookies and Tracking Technologies

4.1 What We Use

We use cookies, web beacons, pixels, and similar technologies to:

• Remember your preferences and settings

• Understand how you use the Service

• Improve performance and functionality

• Deliver targeted advertising

4.2 Types of Cookies

• Essential Cookies: Required for the Service to function

• Analytics Cookies: Help us understand usage patterns (e.g., Google Analytics)

• Functional Cookies: Remember your preferences

• Marketing Cookies: Deliver relevant advertisements

4.3 Your Cookie Choices

You can control cookies through your browser settings. Note that disabling certain cookies may limit Service functionality. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

5. How We Share Your Information

We do not sell your personal information.

We may share your information in the following circumstances:

5.1 Service Providers

We share information with third-party vendors who perform services on our behalf:

• Cloud hosting providers (e.g., AWS, Google Cloud)

• Payment processors (e.g., Stripe)

• Analytics providers (e.g., Google Analytics)

• Email service providers

• Customer support tools

5.2 Business Transfers

If Quartal is involved in a merger, acquisition, or sale of assets, your information may be transferred. We will notify you before your information is transferred and becomes subject to a different privacy policy.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Court orders or legal process

• Requests from government authorities

• Protection of our rights, property, or safety

• Prevention of fraud or illegal activity

5.4 With Your Consent

We may share information for any other purpose with your explicit consent.

5.5 Aggregated or De-Identified Data

We may share aggregated or de-identified information that cannot reasonably be used to identify you.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide the Service and maintain your account

• Comply with legal obligations

• Resolve disputes and enforce agreements

• Support business operations

When you close your account, we will delete or anonymize your personal information within a reasonable timeframe, unless we are required to retain it for legal or legitimate business purposes.

7. Your Privacy Rights

Depending on your location, you may have the following rights:

7.1 Access and Portability

• Request access to your personal information

• Receive a copy of your data in a portable format

7.2 Correction and Deletion

• Correct inaccurate or incomplete information

• Request deletion of your personal information

7.3 Restriction and Objection

• Restrict certain processing of your information

• Object to processing based on legitimate interests

7.4 Withdraw Consent

• Withdraw consent for processing where we rely on consent

7.5 Opt-Out of Marketing

• Unsubscribe from marketing emails using the link in each message

• Opt out of targeted advertising through browser settings or industry opt-out tools

7.6 How to Exercise Your Rights

To exercise these rights, contact us at quartalhq@gmail.com. We will respond to your request within the timeframe required by applicable law.

8. Security Measures

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

• Encryption of data in transit and at rest

• Regular security assessments

• Access controls and authentication

• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place, such as standard contractual clauses approved by relevant authorities.

10. Children's Privacy

The Service is not intended for children under 13 (or 16 in the European Economic Area). We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

11.1 Right to Know

You can request information about the categories and specific pieces of personal information we have collected about you.

11.2 Right to Delete

You can request deletion of your personal information, subject to certain exceptions.

11.3 Right to Opt-Out

You can opt out of the "sale" of personal information. We do not sell personal information.

11.4 Non-Discrimination

We will not discriminate against you for exercising your privacy rights.

To exercise these rights, contact us at quartalhq@gmail.com or call us at [phone number].

12. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), United Kingdom, or Switzerland, you have rights under the General Data Protection Regulation (GDPR):

12.1 Legal Basis for Processing

We process your data based on:

• Contract: To provide the Service you requested

• Legitimate Interests: To improve and secure our Service

• Consent: For marketing communications (where required)

• Legal Obligations: To comply with applicable laws

12.2 Your Rights

You have the right to access, rectify, erase, restrict, object to processing, and data portability as described in Section 7.

12.3 Data Protection Officer

For GDPR-related inquiries, contact our Data Protection Officer at quartalhq@gmail.com.

12.4 Supervisory Authority

You have the right to lodge a complaint with a supervisory authority in your country.

13. Do Not Track Signals

Some browsers have "Do Not Track" features. We currently do not respond to Do Not Track signals.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy with a new "Last Updated" date

• Sending an email notification (for significant changes)

• Displaying a prominent notice on the Service

Your continued use of the Service after changes become effective constitutes acceptance of the updated Privacy Policy.

15. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies.

16. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, contact us at:

• Email: quartalhq@gmail.com

• Website: quartal.io

For data protection inquiries specific to GDPR, contact: quartalhq@gmail.com

BY USING QUARTAL, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS PRIVACY POLICY.

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Information provided is for educational purposes only and should not be considered investment advice.

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