Privacy Policy

Last updated: November 14, 2026

This Privacy Policy explains how Monarx (“Monarx,” “we,” “us” or “our”) collects, uses, shares and protects personal information when you use https://monarxhub.com and the Monarx application (the “Service”). By using the Service, you acknowledge the practices described in this policy.

1. Information we collect

Account information: your email address, username, and a salted, one-way hash of your password (we never store your password itself), along with your answers to onboarding and placement questions.

Activity on the Service: learning progress, quiz and exam answers, paper trades, replays, challenges, backtests, journal entries, course enrollments and progress, reviews, comments, and any content or images you upload.

Creator information: for Creators, the profile details you choose to publish and the information needed to receive payouts. Payout identity and bank details are collected and held by Stripe, not by Monarx.

Payment information: when you buy a subscription or course, payment is handled by Stripe. We receive limited details such as your Stripe customer ID, subscription status, purchase amounts and the last four digits or brand of your card where Stripe provides them. We do not receive or store your full card number.

Technical information: IP address, browser type, device information and timestamps, which we use for security, abuse prevention and rate limiting.

2. How we use information

We use personal information to: provide, maintain and secure the Service; create and manage your account; save your progress across devices; grade quizzes, exams and challenges; process payments, subscriptions, refunds and Creator payouts; send service emails such as receipts, password resets and study reminders you have enabled; respond to support requests; enforce our Terms and prevent fraud and abuse; and comply with legal obligations.

3. Information that is public

Some information is visible to others based on your choices: your username on leaderboards (you can opt out in Leagues), your public trader profile if you turn it on, your course reviews and lesson comments, and the profile of any Creator who publishes a course.

4. How we share information

We do not sell your personal information and we do not use third-party advertising trackers. We share information only with service providers that help us operate the Service, under obligations to protect it: Stripe (payments, subscriptions and Creator payouts), Render (hosting and data storage), Resend (transactional email), Twelve Data (market prices; no personal data is shared) and Anthropic (processing messages you choose to send to the AI coach).

We may also disclose information if required by law or legal process, to protect the rights, safety and property of Monarx, our users or others, or in connection with a merger, acquisition or sale of assets, in which case this policy will continue to apply to your information.

5. Cookies

We use a single essential cookie to keep you signed in securely. It is required for the Service to work. We do not use advertising or cross-site tracking cookies.

6. Data retention

We keep your information for as long as your account is active. When you delete your account in Settings, your personal data is permanently removed from our live database, and backup copies expire within 7 days. We may retain limited records where required by law, such as transaction records needed for tax and accounting, and Stripe retains payment records under its own policies.

7. Your rights and choices

You can view and update most of your information in the app, turn off study reminder emails, hide yourself from leaderboards, and delete your account at any time. Depending on where you live, you may have additional rights to access, correct, delete or obtain a copy of your personal information, or to object to certain processing. To make a request, contact us using the details below; we will respond within the time required by applicable law.

8. Security

We protect your information with measures including encrypted connections (HTTPS), hashed passwords, secure session cookies and access controls. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Children

The Service is not directed to anyone under 18, and we do not knowingly collect personal information from minors. If you believe a minor has provided us information, contact us and we will delete it.

10. International users

The Service is operated in the United States. If you access it from elsewhere, your information will be transferred to and processed in the United States.

11. Changes to this policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you through the Service or by email. The “Last updated” date above shows when it was last revised.

12. Contact us

For privacy questions or requests, contact us by email at MonarxHub@gmail.com.

Paper trading and education only. Not financial advice. Trading involves risk of loss.