Legal

Privacy Policy.

What we collect, how we use it, and how we protect it.

Last updated: June 2026

Overview

F.I.F.T.H. Report collects only the information needed to operate the publication, manage accounts, process subscriptions, deliver research, protect the site, and improve the reader experience.

F.I.F.T.H. Report does not sell personal information. F.I.F.T.H. Report does not share personal information with advertisers or data brokers.

Information We Collect

F.I.F.T.H. Report may collect the following categories of information.

Account Data

When you create an account, we may collect your name, email address, password, account status, login activity, and account preferences. Passwords are stored as secure hashes. F.I.F.T.H. Report does not store plain-text passwords.

Subscription and Billing Data

If you subscribe, we may collect subscription status, plan type, billing status, renewal status, cancellation status, Stripe customer ID, and related subscription records. Payments are processed by Stripe. F.I.F.T.H. Report does not store full credit card numbers.

Reading and Product Data

F.I.F.T.H. Report may collect information about how you use the site, including articles viewed, free unlocks used, saved articles, reading history, article access status, and reading preferences such as font, text size, spacing, and light or dark mode. This information is used to operate account features, enforce access rules, improve recommendations, and provide a better reading experience.

Technical Data

F.I.F.T.H. Report may collect technical information such as IP address, browser type, device type, operating system, referring page, pages visited, timestamps, session data, and cookie data. This information is used for security, analytics, troubleshooting, fraud prevention, and site performance.

Optional Profile Data

F.I.F.T.H. Report may ask for optional profile information after signup. This may include investor experience level, primary research interests, age range, portfolio size range, preferred article types, and other reader preferences. This information is optional. It is used to improve personalization, recommendations, and the reader experience.

Contact and Form Data

If you contact F.I.F.T.H. Report, submit a correction request, send a support request, or use a form on the site, we may collect the information you provide, including your name, email address, article title, message content, and any supporting materials you submit.

How We Use Information

F.I.F.T.H. Report uses collected information to:

  1. 1.Create and manage user accounts.
  2. 2.Provide access to free and paid content.
  3. 3.Process subscriptions and billing through Stripe.
  4. 4.Track free article unlocks and monthly resets.
  5. 5.Save reading preferences.
  6. 6.Deliver newsletters and transactional emails.
  7. 7.Send account, billing, password reset, and service-related messages.
  8. 8.Improve article recommendations and site functionality.
  9. 9.Respond to contact, support, and correction requests.
  10. 10.Protect the site from abuse, fraud, scraping, unauthorized access, and security risks.
  11. 11.Maintain business records and comply with legal obligations.

Cookies and Analytics

F.I.F.T.H. Report uses cookies and similar technologies for session management, login status, reading preferences, security, analytics, and site functionality.

Some cookies are necessary for the site to work. Other cookies may be used for analytics and preference storage.

F.I.F.T.H. Report uses self-hosted analytics where possible and does not use third-party advertising networks.

You may decline non-essential cookies when prompted. Declining non-essential cookies may affect some site features, preferences, or analytics functionality.

Email Communications

F.I.F.T.H. Report may send transactional emails related to your account, subscription, billing, password resets, security, or site access.

If you opt in to the newsletter or research updates, F.I.F.T.H. Report may also send editorial or promotional emails.

You can unsubscribe from newsletter and promotional emails using the unsubscribe link in those emails or by contacting F.I.F.T.H. Report. You may still receive transactional or account-related emails even if you unsubscribe from promotional emails.

Third-Party Services

F.I.F.T.H. Report uses third-party service providers to operate the site.

Stripe

Stripe is used for payment processing, subscription billing, and related payment services. Stripe may collect and process payment information, billing details, transaction records, and other information needed to process payments. Stripe's handling of that information is governed by Stripe's own privacy practices. F.I.F.T.H. Report does not store full credit card numbers.

Amazon SES

Amazon Simple Email Service is used for transactional email delivery, including account, password reset, billing, and service-related emails.

Hosting, Security, and Infrastructure Providers

F.I.F.T.H. Report may use hosting, database, security, analytics, and infrastructure providers to operate the site, store data, deliver pages, and protect the service. These providers are permitted to use personal information only as needed to provide services to F.I.F.T.H. Report.

No Sale of Personal Information

F.I.F.T.H. Report does not sell personal information.

F.I.F.T.H. Report does not rent personal information to advertisers, data brokers, or third-party marketing networks.

If this policy changes, the change will be disclosed clearly and users will be given any required choices under applicable law.

How Information Is Shared

F.I.F.T.H. Report may share information only in limited circumstances:

  1. 1.With service providers that help operate the site, process payments, deliver email, provide hosting, maintain security, or perform analytics.
  2. 2.When required by law, subpoena, court order, legal process, or government request.
  3. 3.To protect the rights, safety, property, security, or integrity of F.I.F.T.H. Report, readers, users, or others.
  4. 4.In connection with a business transfer, merger, acquisition, restructuring, or sale of assets, if F.I.F.T.H. Report is ever involved in one.
  5. 5.With your consent or at your direction.

Data Retention

F.I.F.T.H. Report keeps personal information for as long as reasonably necessary to provide the service, maintain accounts, process subscriptions, comply with legal obligations, resolve disputes, prevent fraud, enforce agreements, and maintain business records.

Account data is generally retained while your account remains active.

If you request account deletion, F.I.F.T.H. Report will delete or de-identify personal information within a reasonable period, except where retention is required or permitted for legal, security, fraud prevention, accounting, tax, dispute resolution, or legitimate business purposes.

Data Security

F.I.F.T.H. Report takes reasonable administrative, technical, and organizational measures to protect personal information.

No website, database, transmission, or storage system is completely secure. F.I.F.T.H. Report cannot guarantee absolute security.

You are responsible for keeping your account credentials secure and for notifying F.I.F.T.H. Report if you believe your account has been accessed without authorization.

Your Choices

You may:

  1. 1.Update account information through your account settings where available.
  2. 2.Change reading preferences through your account or reading settings.
  3. 3.Unsubscribe from newsletters or promotional emails.
  4. 4.Decline non-essential cookies when prompted.
  5. 5.Request access, correction, or deletion of personal information by contacting F.I.F.T.H. Report.

California Privacy Rights

California residents may have additional privacy rights under applicable California law.

Depending on the law that applies, these rights may include the right to know what personal information is collected, the right to request access to personal information, the right to request correction, the right to request deletion, the right to opt out of certain sale or sharing of personal information, and the right not to be discriminated against for exercising privacy rights.

F.I.F.T.H. Report does not sell personal information.

To make a privacy request, contact F.I.F.T.H. Report at [email protected]. F.I.F.T.H. Report may need to verify your identity before fulfilling certain requests.

Children's Privacy

F.I.F.T.H. Report is intended for users who are at least 18 years old.

F.I.F.T.H. Report does not knowingly collect personal information from children under 13. If you believe a child has provided personal information to F.I.F.T.H. Report, contact [email protected] so the information can be reviewed and deleted where appropriate.

International Users

F.I.F.T.H. Report is operated from the United States. If you access the site from outside the United States, you understand that your information may be processed and stored in the United States or in locations where service providers operate.

Changes to This Policy

F.I.F.T.H. Report may update this Privacy Policy from time to time.

Continued use of the site after changes are posted means you acknowledge the updated policy.

If a material change is made, F.I.F.T.H. Report will take reasonable steps to notify subscribers or account holders.

Contact

For privacy-related questions or requests, contact:

[email protected]