Privacy Policy

1. Information We Collect

We collect the following types of information:

• Account Information: Email address, name, and password
• Credit Card Information: Card names, annual fees, and benefit details (manually entered by you)
• Usage Data: Benefit usage tracking, household member assignments
• Technical Data: Browser type, device information, IP address, and usage patterns

Important: We do NOT collect credit card numbers, CVV codes, or require bank account linking. We do NOT track your transactions or purchases.

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain the CardGenius service
• Track your credit card benefits and usage
• Calculate annual fee ROI and utilization
• Enable household collaboration features
• Send service-related notifications (if enabled)
• Improve and optimize our service
• Comply with legal obligations

3. Data Storage and Security

We implement appropriate technical and organizational measures to protect your data. Your information is stored securely and encrypted in transit. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share information only in the following circumstances:

• Within Your Household: Information is shared with household members you invite
• Service Providers: Third-party services that help us operate (hosting, analytics)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, sale, or acquisition

5. Cookies and Tracking

We use cookies and similar tracking technologies to track activity on our service and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

6. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data
• Export: Request a portable copy of your data
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, please contact us at [email protected]

7. Data Retention

We retain your information for as long as your account is active or as needed to provide you services. If you delete your account, we will delete your data within 30 days, except as required to comply with legal obligations or resolve disputes.

8. Children's Privacy

Our Service is not intended for children under 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected]