Last updated: January 2026
TL;DR — We Respect Your Privacy
- ✓ We never store your card numbers
- ✓ Your data is encrypted in transit and at rest
- ✓ We don't sell your data to third parties
- ✓ You can delete your account at any time
What We Collect
Account Information
Your name, email, and password (hashed) for authentication.
Card Metadata (Not Card Numbers)
Card names, bank names, card types, benefits, and fees — the information needed to provide recommendations. We never ask for or store your actual card numbers.
Financial Profile (Optional)
Monthly income, expenses, and spending categories if you choose to share them for better recommendations.
Usage Data
Basic analytics to improve the service and track AI feature usage for rate limiting.
How We Use Your Data
- AI Recommendations: Your card details and spending patterns are sent to Google's Gemini AI to generate recommendations.
- Portfolio Analysis: We analyze your card portfolio to suggest optimizations.
- Service Improvement: Anonymized usage patterns help us improve the product.
Third-Party Services
- MongoDB Atlas: Database hosting (encrypted at rest)
- Google Gemini AI: Powers our AI features
- Vercel: Hosting and deployment
Your Rights
- Access: View all data we have about you in Settings
- Correction: Update your information at any time
- Deletion: Request complete account deletion
- Portability: Export your card data