Privacy Policy

Effective Date: May 21, 2026

This Privacy Policy explains how Three Point Zero Inc. (“Three Point Zero,” “we,” “us,” or “our”) collects, uses, stores, shares, and protects information when you use FactHub, including our websites, mobile applications, AI-assisted tools, community features, reports, business intelligence products, and related services.

1) Information We Collect

The information we collect depends on how you use FactHub. It may include:

• Account information: email address, display name, username, profile photo, account settings, login method, subscription status, and related account identifiers.
• User content: questions, prompts, comments, replies, votes, reactions, debate submissions, profile information, uploaded content, feedback, and other content you choose to submit.
• Product and report inputs: materials, concepts, links, descriptions, files, business questions, campaign ideas, product ideas, pricing tests, policy messages, or other information you submit for analysis or decision-support reports.
• Usage and device information: pages viewed, features used, clicks, opens, votes, reactions, session activity, device type, browser type, app version, approximate location derived from IP address, log data, and performance diagnostics.
• Payment and subscription information: purchase status, subscription tier, renewal status, transaction identifiers, and receipts. Payment card details are processed by payment providers such as Apple or Stripe and are not stored by us as full card numbers.
• Communications: messages you send to support, legal, business, or customer service channels.

2) How We Use Information

We use information to:

• Provide, operate, personalize, and improve FactHub
• Generate AI-assisted analysis, fact-checking, reports, summaries, crowd insights, and decision-support outputs
• Authenticate users, manage accounts, and process subscriptions
• Enable community features such as comments, replies, votes, reactions, Crowd Map signals, Live Debate participation, and user profiles
• Measure product performance, diagnose bugs, prevent abuse, secure the Services, and detect fraud or misuse
• Respond to support requests, business inquiries, legal requests, and user communications
• Develop, test, and improve our products, models, prompts, ranking systems, moderation tools, analytics, and user experience
• Comply with legal obligations and enforce our Terms of Use

3) AI, Reports, and Decision Intelligence

FactHub may process user-submitted content, public information, behavioral signals, votes, reactions, comments, challenges, engagement patterns, and other inputs to generate AI-assisted outputs, reports, business intelligence, public reaction analysis, and decision-support materials.

These outputs are designed to assist human judgment. They are not guarantees, predictions of certainty, professional advice, investment advice, legal advice, medical advice, or a substitute for independent review. You remain responsible for your own decisions, actions, launches, investments, campaigns, policies, pricing, product choices, business strategy, and any results that follow.

We may retain report inputs, generated outputs, usage signals, and related metadata when needed to provide the requested service, preserve user history, support account features, maintain security, improve quality, debug errors, document business transactions, or comply with legal obligations.

4) User Content, Community Activity, and Public Areas

Some FactHub features allow users to submit comments, replies, votes, reactions, questions, debate inputs, profile details, or other content. Content submitted to public or community areas may be visible to other users and may be used to operate, moderate, rank, analyze, display, or improve those features.

You should not submit confidential, sensitive, or private information in public community areas. If you delete content or your account, some information may remain in backups, logs, cached systems, moderation records, aggregated analytics, or other records where retention is legally or operationally necessary.

5) Cookies, Analytics, and Similar Technologies

We may use cookies, local storage, device identifiers, session identifiers, analytics tools, and similar technologies to keep you logged in, remember preferences, measure usage, improve performance, prevent abuse, and understand how the Services are used.

We may use aggregated or de-identified analytics to understand product performance, user behavior, content quality, and feature adoption. Aggregated or de-identified information does not identify you personally.

6) How We Share Information

We do not sell personal information. We may share information only as described below:

• Service providers: vendors that help us host infrastructure, process payments, send emails, analyze usage, provide security, operate AI systems, store data, or deliver support.
• Payment platforms: Apple, Stripe, or other payment processors as needed to process purchases, renewals, cancellations, and refunds.
• AI and infrastructure providers: providers that help process user requests, generate outputs, moderate content, or operate the Services.
• Legal and safety reasons: when required by law, legal process, platform rules, security needs, fraud prevention, or protection of rights, users, the public, or the Services.
• Business transfers: in connection with a merger, acquisition, financing, restructuring, sale of assets, or similar transaction involving all or part of our business.
• With your direction or consent: when you ask us to share, publish, export, or process information in a specific way.

7) Data Retention

We retain information for as long as reasonably necessary to provide the Services, maintain accounts, deliver reports, preserve product functionality, comply with legal obligations, resolve disputes, enforce agreements, prevent abuse, improve the Services, and maintain business records.

Retention periods vary depending on the type of information and the reason we collected it. For example, account records may be kept while your account is active; public comments may remain visible unless removed; payment records may be retained for accounting and legal purposes; security logs may be retained to prevent abuse; and aggregated analytics may be retained without identifying you.

8) Security

We use reasonable technical, administrative, and organizational measures designed to protect information. However, no system, network, transmission, or storage method is completely secure. You are responsible for keeping your account credentials safe and for choosing what information you submit.

9) Your Choices and Rights

Depending on your location and applicable law, you may have rights to access, correct, delete, export, restrict, or object to certain processing of your personal information.

• You may update certain account information in your profile or account settings.
• You may request account deletion or removal of certain stored account data.
• You may manage subscriptions through the platform where you purchased them, such as Apple App Store settings or website billing settings.
• You may contact us to make a privacy request.

We may need to verify your identity before completing certain requests. Some information may be retained where required or permitted by law, including for security, fraud prevention, dispute resolution, accounting, legal compliance, or legitimate business operations.

10) Children

FactHub is not intended for children under 13. If you are under the age of majority where you live, you may use the Services only with consent and supervision from a parent or legal guardian. If we learn that we collected personal information from a child in violation of applicable law, we will take appropriate steps to delete it.

11) International Users

FactHub is operated by Three Point Zero Inc. Information may be processed and stored in the United States and other locations where we or our service providers operate. Data protection laws may differ from those in your country or region.

12) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will update the Effective Date and may provide additional notice through the Services. Continued use of FactHub after an update means the updated policy applies to your use of the Services.

13) Contact Us

Three Point Zero Inc.
Attn: Privacy / Support
Email: admin@facthubit.com

This Privacy Policy should be read together with our Terms of Use