Privacy Policy

# MarginWorks Privacy Policy **Last updated: August 24, 2026** This Privacy Policy describes how Wilk Industries LLC ("MarginWorks," "we," "us," or "our") collects, uses, and protects your personal information when you use our community platform and services. We are committed to being transparent and using plain English. **AI-Generated Disclaimer:** Portions of this document were drafted with the assistance of artificial intelligence tools. While we have reviewed this content for accuracy and completeness, it is not a substitute for legal advice. We recommend consulting a qualified attorney regarding your specific privacy obligations. --- ## 1. Information We Collect ### 1.1 Information You Provide - **Account information:** Name, email address, and password when you create an account. - **Profile information:** Display name, bio, avatar, and business details you choose to share. - **Community content:** Posts, messages, comments, and interactions in our Telegram group or Skool community. - **Billing information:** Payment method details processed by our third-party payment processor (e.g., Stripe). We do not store your full credit card number. - **AI Audit inputs:** Information you provide for your AI audit (e.g., business description, website URL, marketing materials). - **Communications:** Emails and messages you send us directly. ### 1.2 Information Collected Automatically - **Usage data:** IP address, browser type, device information, pages visited, and timestamps. - **Cookies:** We use essential cookies for authentication and analytics cookies to understand usage patterns. - **Telegram/Skool data:** When our community is hosted on Telegram or Skool, those platforms may collect their own data under their respective privacy policies. ## 2. How We Use Your Information We use your information to: - Provide and maintain your account and subscription. - Operate and moderate the community. - Deliver AI Audit reports and related services. - Process payments and manage billing. - Send service notifications, updates, and (with your consent) marketing emails. - Respond to your inquiries and support requests. - Enforce our Terms of Service and Community Guidelines. - Comply with legal obligations. ## 3. Legal Basis for Processing (GDPR) For users in the European Economic Area or United Kingdom, we process your personal data under the following legal bases: - **Performance of a contract:** To provide the services you requested. - **Legitimate interests:** To operate and secure our platform, moderate content, and prevent abuse. - **Consent:** For marketing communications and non-essential cookies. - **Legal obligation:** To comply with applicable laws. You may withdraw consent at any time by contacting us at legal@marginworks.io. ## 4. Data Sharing We do not sell your personal information. We may share data with: ### 4.1 Service Providers Third-party vendors who help us operate MarginWorks, including payment processors (Stripe), community platforms (Telegram, Skool), email providers, and analytics tools. These providers are bound by confidentiality obligations and may only use your data to provide services to us. ### 4.2 Community Visibility Your community posts, profile, and interactions are visible to other MarginWorks members. Do not share sensitive personal information in community spaces. ### 4.3 Legal Compliance We may disclose information when required by law, court order, or government request, or to protect our rights, safety, or property. ### 4.4 Business Transfers In the event of a merger, acquisition, or asset sale, we may transfer your data to the acquiring entity, subject to this Privacy Policy. ## 5. AI Audit Data When you purchase an AI Audit ($29): - You provide business information that is processed using AI tools to generate a report. - The AI Audit report is delivered to you and may be stored in your account. - Inputs and outputs may be used to improve our AI audit methodology in aggregate, but we will not share your individually identifiable audit results publicly without your consent. - We retain AI Audit data for the duration necessary to provide the service and respond to support inquiries, then delete it according to our retention schedule. ## 6. Data Retention We retain your personal information for as long as your account is active. After account closure or cancellation: - Community posts may remain on the platform unless you request removal. - Billing records are retained for 7 years for tax and accounting purposes. - AI Audit data is deleted within 90 days of delivery unless you request earlier deletion. - Usage logs are retained for up to 12 months for security and analytics purposes. ## 7. Data Security We implement reasonable technical and organizational measures to protect your data, including encryption in transit (TLS), access controls, and regular security reviews. However, no system is 100% secure, and we cannot guarantee absolute security. ## 8. Your Privacy Rights Depending on your location, you may have the following rights: - **Access:** Request a copy of your personal data. - **Rectification:** Request correction of inaccurate data. - **Deletion:** Request deletion of your personal data (subject to legal retention requirements). - **Restriction:** Request that we limit processing of your data. - **Portability:** Request a machine-readable copy of your data. - **Objection:** Object to certain processing activities. - **Withdrawal of consent:** Withdraw consent for processing based on consent. To exercise any of these rights, contact us at legal@marginworks.io. We will respond within 30 days. ### 8.1 California Privacy Rights (CCPA) California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, the right to opt out of the sale or sharing of personal information, and the right not to be discriminated against for exercising these rights. We do not sell personal information. For CCPA requests, contact legal@marginworks.io. ## 9. Cookies We use the following categories of cookies: - **Essential cookies:** Required for account access and security. - **Analytics cookies:** Help us understand usage patterns to improve the platform. - **Preference cookies:** Remember your settings and preferences. You can manage cookie preferences through your browser settings. Disabling all cookies may affect platform functionality. ## 10. Children's Privacy MarginWorks is not intended for individuals under 18. We do not knowingly collect personal information from children. If you believe we have collected data from a minor, contact us at legal@marginworks.io and we will delete it. ## 11. International Data Transfers Your data may be processed in the United States or other countries where our service providers operate. If you are outside the U.S., your data will be transferred in accordance with applicable data protection laws. By using MarginWorks, you consent to these transfers. ## 12. Third-Party Links and Platforms MarginWorks may link to third-party websites and relies on platforms like Telegram and Skool for community hosting. We are not responsible for the privacy practices of third parties. Review their privacy policies before sharing your information. ## 13. Data Breach Notification In the event of a data breach that affects your personal information, we will notify you and relevant authorities as required by applicable law, typically within 72 hours of discovery. ## 14. Changes to This Policy We may update this Privacy Policy at any time. We will post the updated version with a new "Last updated" date and notify active users of material changes by email at least 30 days before they take effect. ## 15. Contact If you have questions about this Privacy Policy or your data, contact us at: **Wilk Industries LLC** Email: legal@marginworks.io Website: marginworks.io --- *This Privacy Policy was last updated on August 24, 2026. Portions of this document were drafted with AI assistance and reviewed by Wilk Industries LLC.*