Privacy Policy
Last updated: January 19, 2026
At Card Curator, we take your privacy seriously. This policy explains what information we collect, how we use it, and your rights regarding your data.
- ✓ We collect only the information necessary to provide our service
- ✓ We never sell your personal information to third parties
- ✓ We use bank-level encryption to protect your data
- ✓ You can delete your account and data at any time
- ✓ We're transparent about how we make money (affiliate commissions)
Account Information
When you create an account, we collect: your email address, name (optional), and password (encrypted).
Credit Card Portfolio Data
To provide recommendations, we store: which credit cards you have, their annual fees, bonus categories, and points/miles balances you manually enter. We never ask for or store credit card numbers, CVV codes, or banking credentials.
Usage Data
We collect: pages you visit, features you use, AI chat interactions (to improve recommendations), merchant searches, and technical information (browser type, device, IP address).
Optional Information
You may choose to provide: spending patterns by category, travel preferences, and redemption goals. This helps us provide better recommendations but is entirely optional.
- Provide our service: Generate AI recommendations, track points, suggest optimal cards
- Improve our product: Analyze usage patterns to build better features
- Communicate with you: Send important updates, respond to support requests
- Marketing (with permission): Send helpful tips, transfer bonus alerts, new feature announcements (you can opt out anytime)
- Security: Detect fraud, abuse, and protect our service
- Legal compliance: Comply with laws and regulations
We do NOT sell your data
We make money through affiliate commissions when you apply for cards, not by selling your information. Your data stays with us.
We use industry-standard security measures to protect your information:
- • 256-bit SSL encryption for all data transmission
- • Encrypted database storage for sensitive information
- • Secure authentication with hashed and salted passwords
- • Regular security audits and vulnerability testing
- • Limited employee access to user data on a need-to-know basis
- • Automatic session timeouts to prevent unauthorized access
However, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
We share your information only in these limited circumstances:
- Service providers: Third-party services that help us operate (hosting, analytics, email). These providers are contractually obligated to protect your data.
- AI providers: We use Anthropic's Claude AI for our assistant. Chat messages are processed by Anthropic under their privacy policy and data protection terms.
- Card issuers (with your action): When you click an affiliate link to apply for a card, the issuer knows you came from Card Curator, but they don't receive your Card Curator account data.
- Legal requirements: If required by law, court order, or to protect rights and safety.
- Business transfers: If Card Curator is acquired, your data may transfer to the new owner (you'll be notified).
You have the following rights:
- Access: Request a copy of your data
- Correction: Update or correct inaccurate information
- Deletion: Delete your account and all associated data instantly
- Opt-out: Unsubscribe from marketing emails at any time
- Data portability: Export your data in a standard format
- Object to processing: Object to certain data uses
How to Delete Your Account
You can delete your account at any time directly from your profile settings:
- Go to Profile & Preferences
- Click on the "Account" tab
- Scroll to the "Danger Zone" section and click "Delete Account"
- Enter your password to confirm deletion
Account deletion is instant and permanent. All your data will be immediately and irreversibly removed from our systems.
California Residents (CCPA)
California residents have additional rights under the California Consumer Privacy Act (CCPA). You have the right to know what personal information we collect, delete your information, and opt out of sales (though we don't sell data). Contact us to exercise these rights.
EU Residents (GDPR)
EU residents have rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, erase, restrict processing, data portability, and object to processing. Contact us to exercise these rights.
We use cookies and similar technologies to:
- • Keep you logged in to your account
- • Remember your preferences
- • Analyze how you use our service (via analytics tools)
- • Track affiliate link clicks (to earn commissions)
You can control cookies through your browser settings, but disabling cookies may limit functionality.
Card Curator is not intended for users under 18. We do not knowingly collect information from children. If you believe a child has provided us information, please contact us and we'll delete it promptly.
We may update this Privacy Policy from time to time. We'll notify you of significant changes via email or a prominent notice on our site. Continued use after changes means you accept the updated policy.
Questions About Privacy?
If you have questions about this policy or want to exercise your rights, contact us at:
Email: info@cardcurator.ai