Privacy Policy - BaccaratPredictor.com

This Privacy Policy describes how BaccaratPredictor.com ("Company," "we," "us," or "our"), a company registered in California, USA, collects, uses, and protects your personal information when you use our website https://baccaratpredictor.com and related services (the "Service"). We are committed to transparency and compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR) where applicable and the California Consumer Privacy Act (CCPA). This policy is effective as of February 12, 2026.

1. Data We Collect

We collect only the data necessary to provide the Service, prevent fraud, and comply with legal obligations. We do not use third-party analytics, advertising networks, or tracking services. The personal data we collect is limited to the following:

• Account information: Email address and username that you provide when you register. This is required to create and manage your account and to communicate with you about your subscription and support requests.
• Subscription and payment information: Details of your chosen plan (Basic, Pro, or Mastermind), billing cycle, payment method type (e.g., card or cryptocurrency), and transaction identifiers. We do not store full credit card numbers on our servers; payment processing is handled by our secure payment provider, which may retain card details in accordance with their own policies and PCI requirements.
• IP address: We collect and store your IP address when you access the Service. This is used for fraud prevention, security, and to support chargeback and dispute resolution (e.g., proving access and usage in the event of an invalid chargeback).
• Usage logs: Our systems automatically record usage of the prediction feature (e.g., number of predictions made, timestamps). This data is used for service delivery, enforcing subscription limits, and as evidence in the event of payment disputes or chargebacks. Usage logs are retained for a period necessary to resolve disputes and enforce our Terms of Service and Refund Policy.

We do not collect sensitive categories of data (e.g., health, race, religion) unless you voluntarily provide such information in support communications, in which case we use it only to respond to your request.

2. How We Use Your Data

We use the data described above solely for the following purposes:

• Service delivery: To create and manage your account, authenticate you, provide predictions according to your subscription tier, and enforce usage limits (e.g., predictions per day).
• Billing and subscriptions: To process payments, manage renewals, and handle cancellations. Payment details are processed by our payment provider; we do not use your payment data for marketing.
• Support: To respond to your inquiries sent to support@baccaratpredictor.com and to troubleshoot issues. Communications may be retained for quality and dispute resolution purposes.
• Fraud prevention and security: To detect and prevent unauthorized access, account abuse, and fraud. IP address and usage patterns help us identify suspicious activity.
• Chargeback and dispute defense: In the event of a chargeback or payment dispute, we may use your account information, IP address, and usage logs to demonstrate that the Service was accessed and used, in accordance with our Terms of Service and Refund Policy. This use is a legitimate interest to protect our business from invalid disputes.
• Legal compliance: To comply with applicable laws, regulations, court orders, or lawful requests from authorities. We may disclose data when required by law or when necessary to protect our rights, users, or the public.

We do not sell your personal data. We do not use your data for profiling or automated decision-making that significantly affects you, except as necessary to provide the Service (e.g., applying subscription limits).

3. Data Sharing and Disclosure

We do not share your personal data with third parties for marketing or advertising. We do not use third-party analytics or tracking services on our website. Data may be shared only in the following circumstances:

• Payment processors: Your payment information is shared with our payment provider(s) to process card and cryptocurrency transactions. These providers are bound by their own privacy and security obligations.
• Legal requirements: We may disclose your data when required by law, subpoena, court order, or government request, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, or to investigate fraud or security issues.
• Professional advisors: We may share data with lawyers, accountants, or other advisors when necessary for legal, regulatory, or business purposes, under confidentiality obligations.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the successor entity, subject to the same privacy commitments.

We do not share your data with affiliates or partners for their own marketing. We do not transfer your data to countries outside the United States for processing except where our payment or infrastructure providers do so under appropriate safeguards; in such cases, we ensure that adequate protections (e.g., standard contractual clauses or adequacy decisions) are in place where required by law.

4. Data Retention

We retain your data only as long as necessary for the purposes described in this policy:

• Account and subscription data: Retained while your account is active and for a reasonable period after closure to comply with legal, tax, and dispute resolution requirements.
• Usage logs: Retained for a period sufficient to support chargeback defense, fraud investigations, and enforcement of our Terms and Refund Policy. This may extend beyond account closure where a dispute is pending or likely.
• Support communications: Retained for a reasonable period to address follow-up issues and for evidence in disputes.
• IP address: Retained in server and security logs for the same periods as above.

After the retention period, we delete or anonymize your data so that it no longer identifies you, except where we are required to retain it by law.

5. Your Rights (GDPR and CCPA)

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

• Access: You may request a copy of the personal data we hold about you. We will provide the information in a structured, commonly used format where technically feasible.
• Correction: You may request correction of inaccurate or incomplete personal data. You can update your email and account details through your account settings where available, or by contacting us.
• Deletion: You may request deletion of your personal data, subject to exceptions where we must retain data for legal, security, or dispute resolution purposes (e.g., ongoing chargeback proceedings, legal hold).
• Restriction and portability: Where applicable by law, you may request restriction of processing or data portability. We will comply to the extent required by applicable law.
• Objection: You may object to processing based on legitimate interests. We will consider your objection and cease processing unless we have compelling legitimate grounds that override your interests.
• Withdraw consent: Where processing is based on consent, you may withdraw consent at any time. Withdrawal does not affect the lawfulness of processing before withdrawal.
• CCPA "Do Not Sell" / Opt-Out: We do not sell personal information. California residents may contact us to confirm that we do not sell their data and to exercise other CCPA rights (access, deletion, non-discrimination). We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, contact us at support@baccaratpredictor.com with "Privacy Request" in the subject line. We will respond within the timeframes required by applicable law (e.g., 30 days under CCPA; one month under GDPR, extendable where necessary). We may need to verify your identity before fulfilling a request. If you are in the European Economic Area, you have the right to lodge a complaint with a supervisory authority in your country.

6. Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include secure transmission (e.g., HTTPS), access controls, and secure storage. Despite our efforts, no method of transmission or storage over the Internet is 100% secure; we cannot guarantee absolute security and you provide data at your own risk.

7. Children's Privacy and Age Requirement

The Service is not intended for anyone under the age of 21. We do not knowingly collect personal data from individuals under 21. If you are under 21, do not use the Service or provide any data to us. If we learn that we have collected data from a person under 21, we will delete that information promptly. If you believe we have collected data from a minor, please contact us at support@baccaratpredictor.com.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the "Last Updated" date. For material changes, we may provide additional notice (e.g., by email or a prominent notice on the Site). Your continued use of the Service after the effective date of changes constitutes acceptance of the updated policy. We encourage you to review this policy periodically.

9. Contact

For privacy-related questions, requests, or complaints, contact us at:

Email: support@baccaratpredictor.com
BaccaratPredictor.com | California, USA

Consult a California attorney. Template only.