Last Updated: October 17, 2025
Overview
The Card Caddie ("we," "our," or "us") provides credit card rewards optimization services through our iOS app, Chrome browser extension, and website (collectively, the "Services"). We are committed to protecting your privacy and being transparent about how we handle your information.
What We Collect
Information You Provide
- Account Information: Email address and password (securely hashed) when you create an account
- Card Details: Only the reward structure of your credit cards (categories, rates, annual fees)
- Custom Cards: Names, descriptions, and reward structures you manually enter
Automatically Collected Information
- Usage Data: Features you use, pages you visit, and how you interact with the Services
- Device Information: Device type, operating system, and browser type
- Location Data (Optional): Approximate location to find nearby merchants
What We DO NOT Collect or Store
We want to be crystal clear about what we DO NOT collect:
- No Credit Card Numbers: We never collect, store, or have access to your actual credit card numbers
- No Payment Information: We never collect your card CVV, expiration dates, or billing information
- No Personal Financial Data: We don't access your transaction history, account balances, or spending data
- No Precise Location Tracking: Your exact location is never stored or tracked continuously
- No Sensitive Personal Information: We don't collect Social Security numbers, government IDs, or similar data
Location Data Specifics
- Location is only used temporarily when you request nearby store recommendations
- We do not store your location history
- You can disable location permissions at any time in your device settings
- The Shopping Mode feature uses location only while active (maximum 4 hours)
How We Use Your Information
We use the information we collect to:
- Rank and recommend credit cards based on merchant categories
- Show nearby stores and suggest optimal cards to use
- Provide personalized card recommendations
- Improve and develop new features
- Send important service updates (with your permission)
- Analyze usage patterns to enhance the user experience
Data Storage and Security
- All data is stored securely using industry-standard encryption
- Passwords are hashed and never stored in plain text
- Account data is stored in secure cloud infrastructure
- We implement appropriate technical and organizational security measures
Affiliate Marketing and Monetization
The Card Caddie may participate in affiliate marketing programs in the future. This means:
- We may earn commissions if you apply for credit cards through our recommendations
- These partnerships will never influence our card rankings or recommendations
- Our algorithm remains unbiased and based solely on your card portfolio and merchant rewards
- Any affiliate relationships will be clearly disclosed
We may also explore other monetization methods such as premium features, partnerships with financial institutions, or advertising. We will update this policy if we introduce such features.
Your Rights and Choices
You have the right to:
- Access: Request a copy of your data
- Delete: Request deletion of your account and data
- Correct: Update or correct your information
- Opt-Out: Disable location services or marketing communications
- Export: Download your card data
To exercise these rights, contact us at thecardcaddie@gmail.com
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:
The Card Caddie
Privacy Inquiries
United States
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by:
- Posting the new policy on this page
- Updating the "Last Updated" date
- Sending an email notification (for material changes)
Your continued use of the Services after changes constitutes acceptance of the updated policy.
By using The Card Caddie, you acknowledge that you have read and understood this Privacy Policy.