Privacy Policy

1. Introduction

CardMatch ("we," "us," or "our") operates cardmatch.io. This Privacy Policy explains how we collect, use, and protect your information when you use our website. By using CardMatch, you agree to the practices described in this policy.

2. Information We Collect

We collect the following types of information:

• Spending data you enter: Monthly spending amounts across categories that you input manually or via uploaded bank statements.
• Uploaded statements: If you upload PDF or CSV bank statements, we process them temporarily to extract spending totals. We do not permanently store the raw files.
• Email address: If you provide your email to receive results, we store it to send your card recommendations.
• Usage data: Standard web analytics data such as pages visited, browser type, and referring URL through third-party analytics tools.

3. How We Use Your Information

• To calculate and display personalized credit card recommendations based on your spending profile.
• To email you your card match results, if you opt in.
• To improve our recommendation algorithm and user experience.
• To communicate product updates or relevant financial tips, if you have opted in to marketing emails.

4. Affiliate Relationships & Third Parties

CardMatch participates in affiliate marketing programs. When you click an "Apply Now" link and are approved for a credit card, we may receive a referral commission from the card issuer or affiliate network. This does not affect our rankings — cards are ranked solely by estimated annual value for your spending profile.

We do not sell your personal information to third parties. We may share anonymized, aggregated data with analytics providers.

5. Data Security

We take reasonable technical and organizational measures to protect your information. Uploaded bank statement files are processed in memory and are not permanently stored on our servers. We do not store full account numbers, Social Security numbers, or other sensitive financial identifiers.

6. Cookies & Analytics

We may use cookies and similar tracking technologies to understand how visitors use our site. You can control cookie settings through your browser. We may use tools like Google Analytics to collect anonymized usage data.

7. Your Rights

You have the right to request access to, or deletion of, your personal data at any time. To opt out of marketing emails, use the unsubscribe link in any email we send.

To exercise these rights, contact us at hello@cardmatch.io.

8. Children's Privacy

CardMatch is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised date. Continued use of CardMatch after changes constitutes acceptance of the updated policy.

10. Contact Us

Questions about this Privacy Policy? Contact us at hello@cardmatch.io.