Compliance

Lucas0 is committed to operating with transparency, integrity, and full compliance with applicable laws and regulations. This page outlines our compliance framework, regulatory adherence, and the disclaimers that govern your use of our platform.

1. Financial Services Disclaimer

1.1 Not a Registered Investment Advisor

IMPORTANT: Lucas0 is NOT a registered investment advisor, broker-dealer, or financial planner. We do not:

  • Provide personalized investment advice or recommendations
  • Manage or execute trades on your behalf
  • Offer tax, legal, or financial planning services
  • Guarantee investment returns or performance
  • Serve as a fiduciary to you or your portfolio

1.2 Not Financial Advice

All information, analytics, insights, and AI-generated content provided by Lucas0 are for informational and educational purposes only. This includes:

  • Portfolio performance metrics and analytics
  • Historical trends and visualizations
  • AI-generated investment insights and market commentary
  • Stock data, news, and financial information from Yahoo Finance

You should not construe any information on Lucas0 as personalized investment advice, a recommendation to buy or sell securities, or a solicitation to make any investment decision.

1.3 Consult a Licensed Professional

Before making any investment, tax, or financial decisions, you should:

  • Consult with a licensed financial advisor, investment professional, or tax accountant
  • Conduct your own independent research and due diligence
  • Consider your personal financial situation, risk tolerance, and investment objectives
  • Understand that past performance is not indicative of future results

2. Investment Risks and Disclaimers

2.1 Market Risk

Investing in securities involves substantial risk, including:

  • Loss of Principal: You may lose some or all of your invested capital
  • Market Volatility: Stock prices fluctuate based on market conditions, economic factors, and company performance
  • Liquidity Risk: Some securities may be difficult to sell quickly at favorable prices
  • Sector Risk: Concentrated holdings in specific industries increase exposure to sector-specific downturns

2.2 Data Accuracy Disclaimer

While we strive for accuracy, Lucas0 does not guarantee the completeness, accuracy, or timeliness of:

  • Stock prices and market data from Yahoo Finance or other sources
  • Financial statements, analyst ratings, or company information
  • Portfolio performance calculations and analytics
  • AI-generated insights and recommendations

You are solely responsible for verifying all data and calculations before relying on them for investment decisions.

2.3 AI-Generated Content Disclaimer

Lucas0 uses artificial intelligence (Lucas0) to provide investment insights and answer questions. However:

  • AI responses are algorithmically generated and may contain errors, biases, or inaccuracies
  • AI models are trained on historical data and cannot predict future market movements
  • AI recommendations are not personalized to your specific financial situation
  • You should independently verify all AI-generated information before acting on it

Lucas0 is a tool, not a financial advisor. Always apply critical thinking and seek professional advice when needed.

3. Data Protection and Privacy Compliance

3.1 GDPR Compliance (General Data Protection Regulation)

For users in the European Economic Area (EEA), United Kingdom, and Switzerland, Lucas0 complies with the GDPR by:

Data Subject Rights

  • Right to Access: You can request a copy of your personal data at any time
  • Right to Rectification: You can correct inaccurate or incomplete data through your account settings
  • Right to Erasure ("Right to be Forgotten"): You can request deletion of your account and data
  • Right to Data Portability: You can download your portfolio data in machine-readable formats (CSV, JSON)
  • Right to Restrict Processing: You can request limitations on how we process your data
  • Right to Object: You can object to certain data processing activities
  • Right to Withdraw Consent: You can withdraw consent for data processing at any time

Legal Basis for Processing

  • Contractual Necessity: Processing portfolio data to provide the services you requested
  • Legitimate Interests: Improving platform functionality, security, and user experience
  • Consent: Marketing communications (with explicit opt-in)
  • Legal Obligations: Compliance with applicable laws and regulations

Data Transfers

Lucas0 is hosted in the United States. If you access our platform from the EEA, your data will be transferred to and processed in the U.S. We ensure appropriate safeguards through:

  • Standard Contractual Clauses (SCCs) for third-party processors
  • Encryption of data in transit and at rest
  • Adherence to GDPR data protection principles

Data Breach Notification

In the event of a data breach affecting GDPR-protected data, we will:

  • Notify affected users within 72 hours of discovery
  • Report the breach to the relevant supervisory authority (if required)
  • Provide details about the nature of the breach and remediation steps

3.2 CCPA Compliance (California Consumer Privacy Act)

For California residents, Lucas0 complies with the CCPA by providing:

Consumer Rights

  • Right to Know: Request disclosure of personal information collected, used, and shared in the past 12 months
  • Right to Delete: Request deletion of personal information (subject to legal exceptions)
  • Right to Opt-Out: Opt-out of the sale of personal information (Note: We do not sell your data)
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

Categories of Data Collected

  • Identifiers: Email, name, IP address
  • Financial Information: Portfolio holdings, transaction history, investment data
  • Internet Activity: Browser type, pages visited, usage patterns
  • Geolocation Data: Approximate location based on IP address

Data Sharing

We share data with the following categories of third parties:

  • Service Providers: Yahoo Finance (market data), Lucas0 (AI processing), LiteLLM (AI proxy)
  • Legal Purposes: Law enforcement, regulators (when required by law)

We do not sell your personal information to third parties for monetary or other valuable consideration.

3.3 Other Privacy Laws

Lucas0 also complies with:

  • Virginia Consumer Data Protection Act (VCDPA)
  • Colorado Privacy Act (CPA)
  • Utah Consumer Privacy Act (UCPA)
  • Other state and federal privacy regulations as applicable

4. Third-Party Integrations and Compliance

4.1 Yahoo Finance

  • Data Source: Yahoo Finance provides market data, stock prices, financial statements, and news
  • Terms of Use: Yahoo Finance data is subject to Yahoo's Terms of Service
  • Limitations: Yahoo Finance data is provided "as-is" without warranties; delays or inaccuracies may occur
  • Usage Restrictions: Data is for personal, non-commercial use only; redistribution is prohibited

4.2 Lucas0

  • AI Provider: Lucas0 provides the Lucas0 models used for investment insights
  • Privacy Policy: Lucas0's Privacy Policy governs AI data processing
  • No Model Training: Your data is not used to train Lucas0's models without explicit consent
  • Certifications: Lucas0 maintains SOC 2 Type II and HIPAA compliance certifications

4.3 LiteLLM Proxy

  • Purpose: LiteLLM routes AI requests to Lucas0's Investmodels
  • Data Handling: LiteLLM temporarily processes requests but does not store conversation data
  • Security: All requests are encrypted in transit with TLS 1.3

5. Audit Logs and Record-Keeping

5.1 User Activity Logging

Lucas0 maintains logs of user activity for security, troubleshooting, and compliance purposes, including:

  • Login attempts and authentication events
  • Portfolio changes and transaction entries
  • AI interactions and usage metrics
  • API requests and system access

Logs are retained for 90 days and then securely deleted, except where longer retention is required by law.

5.2 Data Retention Policy

  • Active Accounts: Data is retained as long as your account is active
  • Account Deletion: Data is deleted within 30 days of account closure
  • Backups: Backups are retained for 30 days, then securely purged
  • Legal Holds: Data may be retained longer if required by law, litigation, or regulatory investigation

6. Regulatory Licensing and Registration

6.1 Not Registered with the SEC

Lucas0 is NOT registered with the U.S. Securities and Exchange Commission (SEC) as:

  • An investment advisor under the Investment Advisers Act of 1940
  • A broker-dealer under the Securities Exchange Act of 1934
  • A registered investment company under the Investment Company Act of 1940

We are a software-as-a-service (SaaS) platform that provides portfolio tracking tools—not investment management services.

6.2 Not Regulated by FINRA

Lucas0 is not a member of the Financial Industry Regulatory Authority (FINRA). We do not execute trades, custody assets, or provide brokerage services.

6.3 State Licensing

Lucas0 operates as a technology platform and does not require state-level investment advisor licensing under current regulations. However, if our services evolve to include personalized advice, we will obtain appropriate licenses.

7. Anti-Money Laundering (AML) and Know Your Customer (KYC)

7.1 AML Compliance

While Lucas0 does not handle financial transactions or custody assets (and therefore is not subject to Bank Secrecy Act AML requirements), we:

  • Monitor for suspicious activity and unusual usage patterns
  • Reserve the right to report suspicious activity to authorities
  • Prohibit use of the platform for money laundering, terrorist financing, or illegal activities

7.2 KYC Requirements

Lucas0 collects minimal personal information (email, name) for account creation. We do not require identity verification documents because:

  • We do not handle financial transactions
  • We do not custody or hold user assets
  • We are not a financial institution or broker-dealer

8. Intellectual Property and Licensing

8.1 Copyright

All content, code, designs, and materials on Lucas0 are protected by U.S. and international copyright laws. Unauthorized copying, distribution, or modification is prohibited.

8.2 Trademarks

"Lucas0" and associated logos are trademarks of Lucas0. Unauthorized use is prohibited.

8.3 Open Source Software

Lucas0 is built using open-source software, including but not limited to:

  • Flask (BSD-3-Clause License)
  • Plotly Dash (MIT License)
  • PostgreSQL (PostgreSQL License)
  • Docker (Apache License 2.0)

We comply with all open-source license requirements and attributions.

9. Tax Reporting and Compliance

9.1 Not a Tax Advisor

Lucas0 does NOT provide tax advice. While our platform tracks dividends, capital gains, and transaction history, these tools are for your convenience—not official tax reporting.

9.2 User Responsibility

  • You are responsible for accurately reporting investment income and capital gains to tax authorities
  • You should consult a licensed tax professional or CPA for tax planning and filing
  • Lucas0's calculations may not account for all tax rules (wash sales, FIFO vs. specific identification, etc.)

9.3 Future Tax Features

Lucas0's roadmap includes tax loss harvesting and automated tax report generation (Phase 2). When launched, these features will still require review by a tax professional.

10. Accessibility Compliance

Lucas0 is committed to making our platform accessible to all users, including those with disabilities. We strive to comply with:

  • WCAG 2.1 Level AA: Web Content Accessibility Guidelines for accessible web design
  • Section 508: U.S. federal accessibility standards for technology

If you encounter accessibility barriers, please contact us at admin@lucas0.local so we can address them.

11. Changes to Compliance Policies

Lucas0 reserves the right to update this Compliance page to reflect changes in:

  • Applicable laws and regulations
  • Our business practices and service offerings
  • Regulatory guidance and industry standards

We will notify users of material changes by posting a notice on the platform and updating this page. Your continued use of Lucas0 constitutes acceptance of the updated policies.

12. Contact and Questions

If you have questions, concerns, or requests regarding compliance, data protection, or regulatory matters, please contact us:

  • Email: contact@lucas0.com
  • Subject Line: "Compliance Inquiry" or "Data Protection Request"
  • Platform: lucas0.com

We will respond to all inquiries within 5 business days (or sooner for GDPR/CCPA requests, as required by law).

Compliance is a shared responsibility. We commit to operating with transparency and integrity, and we ask that you use Lucas0 responsibly and in accordance with our Terms of Service. Thank you for your trust.