Introduction

Welcome to our credit card management application provided by Points Applied ("we," "us," or "our"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our service.

Information We Collect

Account Information

• Email address for authentication
• Username and profile information
• Authentication credentials (handled securely by our third-party provider, Clerk)

Credit Card Tracking Data

• Credit card names and issuers (e.g., "Chase Sapphire Preferred")
• Card types and categories
• Annual fees and benefit information
• Application and closure dates you provide
• Rewards and sign-up bonus tracking data
• Personal notes and custom card status configurations

Usage and Analytics Data

• IP addresses, device information, and browser properties via Google Analytics and Cloudflare
• Application usage events, clicks, and page views

Important: We do NOT collect or store:

• Credit card numbers
• CVV/security codes
• Bank account numbers
• Social Security numbers
• Transaction history or real-time spending data from banks

How We Use Your Information

We use the information we collect to:

• Provide and maintain the credit card tracking service
• Authenticate your account and ensure security
• Calculate and display card analytics and metrics
• Offer relevant credit card recommendations and affiliate links
• Send service-related notifications (if enabled)
• Improve and optimize our application via usage analytics
• Respond to your support requests

Data Storage and Security

Your data is stored securely using industry-standard encryption and security practices. Our backend infrastructure is hosted on Amazon Web Services (AWS), and we use Cloudflare for network security. Your authentication is securely managed by Clerk. Access to your data is restricted and protected by robust authentication mechanisms. We utilize HTTPS for secure data transmission.

Information Sharing

We do not sell, trade, or rent your personal information to marketing lists or data brokers. We may share information only in the following limited circumstances:

• With service providers necessary to operate our application: AWS (hosting/database), Clerk (authentication), Cloudflare (security/performance), and Google Analytics (site analytics).
• To track affiliate link conversions by identifying source clicks (this does not include personally identifiable financial information).
• When required by law or to protect our legal rights.
• With your explicit consent.

Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data and your account
• Export your data
• Withdraw consent at any time for particular types of processing

Cookies and Tracking

We use cookies and similar technologies (managed directly or via third parties like Google Analytics and Cloudflare) to maintain your session, authenticate your requests (via Clerk), remember your preferences, and analyze application usage. You can control cookie settings through your browser preferences.

Children's Privacy

Our service is strictly not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we discover that a user is under 18, we will promptly delete their account and data.

California Privacy Rights

If you are a resident of California, you may have additional rights regarding your personal information under the California Consumer Privacy Act (CCPA), including the right to request access to and deletion of your data. To exercise these rights, please contact us at the email address provided below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us at:

Email:support@pointsapplied.com

Points Applied
California, USA