Privacy Policy

Credit Card Optimizer collects information to provide personalized credit card recommendations:

• Spending Data: Monthly spending amounts by category (stored locally and optionally in your account)
• Account Information: Email address and profile data when you sign in
• Preferences: Reward preferences, point valuations, and owned cards
• Usage Analytics: Anonymous usage patterns to improve our service

Your information is used exclusively for:

• Generating personalized credit card recommendations
• Saving your preferences across sessions
• Improving our recommendation algorithms
• Providing customer support

We never sell your personal data to third parties.

Our service includes links to credit card companies and financial institutions. Important disclosures:

• Affiliate Partnerships: We may earn commissions when you apply for cards through our links
• No Influence on Recommendations: Our mathematical algorithms are not influenced by commission rates
• External Privacy Policies: Credit card companies have their own privacy policies
• Authentication: We use NextAuth.js with OAuth providers (Google, GitHub, Meta, X)

We protect your information through:

• Encrypted data transmission (HTTPS)
• Secure database storage with access controls
• Regular security audits and updates
• No storage of sensitive financial account information

You have the right to:

• Access your personal data
• Correct inaccurate information
• Delete your account and data
• Export your data
• Opt out of analytics tracking

We use:

• Essential Cookies: For authentication and core functionality
• Local Storage: To save your spending data and preferences locally
• Analytics: Anonymous usage tracking to improve our service

For privacy-related questions or to exercise your rights, contact us at: