Privacy & Security Policy

Last updated: September 9, 2026.

Fair Capital, Inc. (“Fair Capital”, “we”, “us”) operates VizWealth and related products and services. This Privacy & Security Policy describes what personal information we collect, how we use and share it, how we keep it secure, and the rights you have over it. It applies to our websites, applications, and the services we provide to individual investors and to financial advisors and their clients.

How we collect your information

We collect personal information directly from you, automatically when you use our services, and from third parties acting on your behalf. Specifically, we collect information when:

• You create an account, subscribe to, or purchase our products or services.
• You use our sites or applications, including the symbols you look up, the lists you build, and the settings you choose.
• You contact us, request a demo, send feedback, ask for support, or attend one of our events.
• You choose to connect a third-party data source to your account.

We may also receive information about you from:

• Your employer, organization, or another party who arranges access to our services for you.
• Your financial advisor or the advisory firm that services your accounts, when they use our services to analyze or report on your holdings.
• Portfolio and account data providers that you or your advisor authorize to share account and holdings data with us.
• Publicly available sources, such as market and fund data published by exchanges and data vendors.

Personal information we collect

The types of personal information we collect depend on how you interact with us and may include:

• Name and contact information: your first and last name, email address, mobile phone number, and postal address if you provide one.
• Account credentials: your email address, a hashed password, passkeys, and one-time verification codes used to sign in. We never store your password in readable form.
• Payment and billing details: your subscription plan and billing status. Card and bank details are collected and stored by our payment processor, not by us. We keep only a customer reference and the subscription status the processor reports to us.
• Financial and portfolio information: the accounts, holdings, transactions, balances, and liabilities that you or your advisor upload, enter, or connect, together with derived figures such as returns and allocations.
• Advisory information: for advisor-linked accounts, household, client, and account relationships as provided by the advisor or their portfolio system.
• Usage information: which features you use and when, the symbols and lists you view, your preferences, and support and feedback messages. We record this for signed-in users and, in anonymous form, for visitors who are not signed in.
• Device and network information: IP address, approximate location derived from it, browser type, and referring page or campaign parameters.
• Audio or video information: if you visit a Fair Capital location or participate in a Fair Capital event, we may record your image or voice.
• User content: files and other information you upload, such as portfolio spreadsheets and statements.

How we use personal information

We use personal information as permitted by applicable law, as you request or consent to, and for the following purposes:

• To provide the services: to create and administer your account, verify your identity, calculate and display portfolio analytics, and personalize the content you see.
• To process payments and manage subscriptions, including sending receipts and billing notices.
• To communicate with you about your account, security, and important changes to the service.
• To send product news, educational content, and marketing email. Every marketing message includes an unsubscribe link, and opting out does not affect account or billing email.
• To provide customer service and technical support, and to respond to feedback and demo requests.
• To understand how our services are used and to improve them, using aggregated and first-party usage data.
• To protect your, our, or third parties’ networks, systems, property, or safety, including detecting abuse and fraud.
• To comply with law, respond to lawful requests from regulators, law enforcement, and other authorities, enforce our terms, and establish or defend legal claims.

No disclosure to third parties

Fair Capital is the sole custodian of the personal information you entrust to us, and responsibility for it stops with us. We do not sell, rent, lease, license, trade, or otherwise disclose or transfer personal information to any third party for that party’s own use, whether for consideration or otherwise. No third party is permitted to use personal information we hold for marketing, advertising, profiling, data brokering, or any purpose of its own.

The only circumstances in which personal information leaves our custody are the following, none of which constitutes a sale, sharing, or disclosure to a third party for its own purposes:

• Processors acting on our behalf: we use a limited number of vendors to host our systems, process payments, deliver email and text messages, and measure aggregate site usage. Each acts strictly as our processor, under written terms that restrict it to performing services for us, prohibit any use, retention, or disclosure of personal information for its own purposes, and require it to protect the information at least as well as we do. Fair Capital remains fully responsible for personal information handled by its processors.
• At your direction: if you link your account to a financial advisor or advisory firm, or connect a portfolio data source, you are instructing us to exchange the information necessary to provide that service to you. You may withdraw that instruction at any time, after which no further information is exchanged.
• Where the law compels us: we disclose personal information only when required to do so by statute, regulation, subpoena, court order, or a lawful request from a governmental authority, and then only to the extent required. Where legally permitted, we will notify you before doing so.
• To protect life, safety, or our legal rights: to prevent or investigate fraud, abuse, or a threat to the safety of any person, or to establish, exercise, or defend a legal claim.
• Successor in interest: if Fair Capital is acquired, merged, or sells substantially all of its assets, personal information may pass to the successor solely for continuation of the services, and the successor will be bound by this policy or by terms at least as protective.

Apart from the above, personal information is never disclosed to anyone outside Fair Capital, and we will not disclose it in response to a request from a third party without your express, informed instruction.

Links to other websites

Our products may link to third-party sites, such as fund company pages, research providers, or news sources. This policy does not apply to those sites. We encourage you to read any third-party site’s privacy policy before providing personal information to it.

How we protect and store your personal information

We maintain an information security program with technical, physical, and organizational measures designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. The measures we use are appropriate to the nature and sensitivity of the information we hold.

Specifically:

• All traffic between your browser and our services is encrypted in transit.
• Our databases and backups are stored encrypted at rest with an established cloud infrastructure provider in the United States.
• Passwords are stored only as salted one-way hashes. Neither our staff nor your advisor can look up your password. We also support passkeys, which never leave your device.
• Access to production systems and to customer data is limited to authorized personnel on a need-to-know basis, using individual credentials, and administrative actions on customer records are logged.
• We take regular backups and review our security practices periodically.

No system can be guaranteed to be completely secure. If you believe your account has been compromised, contact us immediately at the address below.

Where your information is processed

Fair Capital is based in the United States and our services are hosted there. Our services are intended for users in the United States. If you access them from elsewhere, your information will be transferred to, stored, and processed in the United States.

How long we keep your information

We keep personal information for as long as your account is active and as needed to provide the services. After your account is deleted, we remove account and portfolio information within ninety (90) days, except where we must retain it to comply with legal, tax, or regulatory obligations, resolve disputes, or enforce our agreements. Billing records are retained for the period required by tax and accounting rules. Aggregated or de-identified usage data that does not identify you may be retained indefinitely.

Your rights

You have the right to access, correct, or delete the personal information we hold about you, to ask us to stop retrieving information from a data source you have connected, and to ask what categories of personal information we collect, where we get it, how we use or share it, and why.

If you have an account with us, you can review and update your contact details and preferences from your profile within the application. For anything you cannot change there, or if you do not have an account (for example, because your advisor provided your information to us), email privacy@faircapital.com and we will help. We respond to verified requests to know, access, correct, or delete personal information within the time required by applicable law.

We will not discriminate against you for exercising these rights. Some of our services do require personal information to function; if you choose not to provide it, you may not be able to use those services.

How to delete your account

To delete your account, email us at privacy@faircapital.com from the address on your account, or use the Feedback form inside the application. We will confirm the request and delete your account and portfolio information within ninety (90) days, unless you ask us to keep it or we are required to retain it as described above. If your account was created by a financial advisor, we may need to confirm the request with them before deleting shared household data.

California residents

If you are a California resident, the California Consumer Privacy Act may give you additional rights to know, delete, and correct your personal information and to opt out of its sale or sharing. We do not sell personal information and we do not share it for cross-context behavioral advertising, so there is nothing to opt out of. In the last twelve (12) months we have not disclosed personal information to any third party for its own purposes. Personal identifiers (such as name and account information) and financial information (such as holdings and transactions) have been handled only by our processors acting on our behalf and, at the express direction of our customers, made visible to their own financial advisors. To exercise your rights, contact us using the details below. You may designate an authorized agent to make a request on your behalf; we will ask for proof of that authorization.

Cookies and similar technologies

We use a small number of first-party cookies, all of which are necessary to operate the service. We do not use advertising, retargeting, or cross-site tracking cookies, and we do not allow third parties to set cookies on our sites.

We use cookies for the following purposes:

• Authentication: to sign you in and keep you signed in across visits.
• Session: to associate your activity with a single visit so that the application behaves consistently, including for visitors who are not signed in.

For site analytics we use a privacy-focused, cookieless measurement service that does not store identifiers on your device, does not track you across sites, and reports only aggregated statistics to us.

We honor the Global Privacy Control browser signal. When your browser sends it, we do not load the analytics script for that visit; the essential cookies described above are unaffected.

Most browsers let you block or delete cookies through their settings. Because our cookies are essential, blocking them will prevent you from signing in.

Children’s privacy

Our services are not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has provided us with personal information, contact us and we will delete it.

How we revise this statement

We may update this policy as our services change. When we do, we will revise the “last updated” date at the top of this page. If we make material changes, we will notify you directly as required by law.

Contact us

For privacy questions, complaints, or to exercise your data rights, email privacy@faircapital.com. This address is monitored specifically for privacy and data-protection requests.

You can also reach us through the Feedback form inside the application, call us at +1 (415) 952-6699, or write to us at: