Privacy Policy

Effective date: March 24, 2026

1. Introduction

Card Perks ("we," "our," or "us") operates the Card Perks mobile application (the "App") and this website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App or website. Please read it carefully. If you disagree with its terms, please discontinue use of the App.

2. Information We Collect

Information you provide directly

  • Account information: When you create an account, we collect your email address and the credentials used to sign in. Authentication is provided by Google Firebase Authentication (email/password or similar methods we enable).
  • User-generated content: Credit card selections, perk tracking data, and benefit usage you log within the App.

Information collected automatically

  • Advertising and device data (free tier): The free tier may show Google AdMob interstitial and other ad formats. AdMob and Google may collect identifiers (such as the Advertising ID on Android or the Identifier for Advertisers on iOS where available), IP address, device type, operating system, app version, coarse location, and similar data to deliver and measure ads. On iOS, Apple’s App Tracking Transparency (ATT) applies where relevant. In the European Economic Area, United Kingdom, and other regions where required, we use Google’s User Messaging Platform (UMP) or similar in-app consent flows so you can consent or manage preferences before certain data is used for advertising.
  • Product interaction and App operation: We use Firebase Authentication and Cloud Firestore to store and sync your account and perk data. Firebase may process technical data associated with those services (for example, authentication tokens and security-related metadata).
  • Subscription status: We use RevenueCat (or an equivalent subscription platform) to know whether your subscription is active and which features you may use. Payment transactions are still processed by Apple or Google; we do not receive your full payment card number.

Information from third parties

  • Social sign-in (if/when available): If we add Google Sign-In or other social sign-in, we will receive only the profile information needed to create your account and will update this policy to describe what we receive.

Data categories (App Store / Play alignment)

Depending on how you use the App and your device settings, we or our processors may process categories such as: identifiers (for example Advertising ID, device or account identifiers), purchase and subscription information, usage data and product interaction, diagnostics or performance data where AdMob or device services collect it, and contact information (email). This summary is intended to align with our in-store disclosures; the subsections above describe each use in more detail.

3. How We Use Your Information

We use the information we collect to:

  • Create and manage your account
  • Provide, operate, and maintain the App and its features
  • Sync your data across devices via Firebase Firestore
  • Send you push notifications about expiring perks and benefit deadlines (only with your explicit permission)
  • Understand aggregate usage and product interaction to improve App features and performance, consistent with your settings and applicable law
  • Deliver and measure advertising on the free tier through Google AdMob
  • Diagnose and fix crashes and technical issues (where we use such tools)
  • Verify subscription entitlements through RevenueCat (or our subscription provider) while payments are processed by Apple or Google
  • Respond to your inquiries and provide customer support
  • Comply with legal obligations

We do not sell your personal information for money. On the free tier, third-party ads are served through Google AdMob as described in this policy and in Google’s documentation; AdMob may use identifiers and device data subject to your ATT choices, UMP/consent where applicable, and Google’s policies.

4. Third-Party Services and Data Sharing

We share data only with the service providers necessary to operate the App. Third parties below are required by contract or law to protect your data and use it as described in their policies and this policy:

  • Google Firebase — We use Firebase Authentication and Cloud Firestore for accounts and synced data. We do not use Firebase Analytics or Firebase Crashlytics in the App unless we enable them later and update this policy.
  • Google AdMob — Serves ads on the free tier. Google AdMob and its advertising partners may collect and use device advertising identifiers (including the Google Advertising ID on Android and the Identifier for Advertisers on iOS, where available), device information, IP address, and app interaction data to deliver, measure, and personalize ads. See Google's Privacy Policy at https://policies.google.com/privacy.
  • RevenueCat — Processes subscription status and entitlements so we can unlock Pro features in the App. Apple and Google remain the merchants for payments; we do not receive your full card number.
  • Apple App Store / Google Play — Subscription billing and payment processing. We do not receive or store your payment card information.

We may also disclose your information: (a) if required by law or valid legal process; (b) to protect the rights or safety of Card Perks or others; or (c) in connection with a merger, acquisition, or sale of assets, with advance notice to you.

We do not sell your data to unrelated data brokers. On the free tier, third-party advertising networks (including Google, through AdMob) may serve ads and process data as described in this policy and in their own privacy policies.

5. Advertising (Google AdMob)

If you use the free tier of Card Perks, we use Google AdMob to show ads. This section summarizes how advertising data is used so you can review it without opening the App.

  • Advertising identifiers: Google AdMob may collect device advertising identifiers, such as the Google Advertising ID (Android) and the Identifier for Advertisers (IDFA) on iOS when your device settings and applicable law allow it.
  • Personalized ads: Third-party ad networks integrated through Google AdMob may use these identifiers and related device or usage data to show personalized ads, subject to your consent choices (including Apple's App Tracking Transparency on iOS and Google's User Messaging Platform in the EEA, UK, and other regions where required).
  • Google's policy: Google's collection and use of data for advertising is described in the Google Privacy Policy.
  • Opt out of personalized ads: You can manage Google ad personalization in Google Ads Settings. On iOS, you can limit tracking in Settings → Privacy & Security → Tracking. On Android, you can reset or opt out of the Advertising ID in your Google account or device settings. In-app consent prompts (UMP) may also let you change ad preferences where required by law.

6. Data Storage and Security

Your data is stored using Google Firebase (Firestore), which encrypts data in transit (TLS) and at rest. We implement industry-standard security practices to protect your information. Data is stored on servers in the United States.

No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

7. Data Retention and Deletion

We retain your account and usage data for as long as your account is active. If you request deletion of your account, we will delete your personal data within 30 days of the request, except where we are required to retain certain data for legal, security, or fraud-prevention purposes. Any retained data will be clearly described in your deletion confirmation.

How to delete your account and data:

  • In the App: Go to Settings → Account → Delete Account.
  • Via email: Send a deletion request to support@cardperksapp.com from the email address associated with your account. We will process your request within 30 days.

Deleting your account will permanently remove your profile, card selections, and perk tracking data. Subscription billing through the App Store or Google Play must be cancelled separately through your store account settings before account deletion to avoid future charges.

8. Push Notifications

The App may send push notifications to remind you of expiring perks and benefit deadlines. These notifications are only sent with your permission, which your device will request. You may opt out of push notifications at any time through your device's notification settings (iOS: Settings → Notifications → Card Perks; Android: Settings → Apps → Card Perks → Notifications).

9. Your Privacy Rights and Choices

All users

  • Access and correction: You may view and update your account information within the App at any time.
  • Deletion: See Section 7 for account and data deletion instructions.
  • Data portability: You may request a copy of your personal data by emailing support@cardperksapp.com.
  • Advertising and tracking choices: On iOS, you can manage App Tracking Transparency (ATT) in Settings. On Android, you can reset or limit the Advertising ID and ad personalization in Google Settings. In the EEA/UK and where required, use the in-app UMP (or similar) consent prompts to manage personalized ads. You can also adjust Google ad personalization in Google Ads Settings. These choices may limit how AdMob uses data for ads but may not remove all ads from the free tier.

California residents (CCPA / CPRA)

You have the right to know what personal information we collect and how it is used, request deletion of your data, correct inaccurate data, and opt out of any sale of personal information (we do not sell personal information). To exercise these rights, contact us at support@cardperksapp.com. We will not discriminate against you for exercising your privacy rights.

EEA and UK residents (GDPR / UK GDPR)

You have the right to access, rectify, erase, restrict processing of, and port your personal data, and to object to certain processing. Our legal bases include: contract performance (account and App functionality), legitimate interests (security and fraud prevention), consent where required (including personalized advertising where we rely on UMP or similar consent), and consent for push notifications where we ask for it. To exercise your rights or lodge a complaint with your local supervisory authority, contact us at support@cardperksapp.com.

10. Children's Privacy

The App is not directed to children under the age of 13 (or 16 in the EU/UK where applicable). We do not knowingly collect personal information from children under these ages. If you believe we have inadvertently collected such information, please contact us immediately at support@cardperksapp.com and we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the effective date at the top of this page and, where appropriate, by sending a notification through the App or to the email address on your account. Your continued use of the App after changes are posted constitutes acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests about this Privacy Policy or your personal data, please contact us: