Contents
1. Information We Collect
We collect information in two ways: information you provide directly and information collected automatically.
Information you provide:
- Email address — when you subscribe to our newsletter
- Quiz responses — your goal, spending range, credit score range, and fee preference when using our card-matching tool. This information is processed locally in your browser and is not transmitted to our servers.
Information collected automatically:
- Pages visited, time spent, clicks, and scroll depth (via Google Analytics 4, only with your consent)
- Browser type, device type, operating system, and approximate location (country/region)
- Referring website that brought you to CardCompass
- IP address (anonymized before storage in Google Analytics)
2. How We Use Your Information
- To send our newsletter with credit card deals, bonus alerts, and recommendations (email only, with your consent)
- To understand how visitors use CardCompass so we can improve the experience
- To measure which credit card recommendations are most helpful
- To detect and prevent fraud or abuse of our tools
We do not sell your email address or personal information to third parties. We do not use your information for automated decision-making or profiling that has legal or similarly significant effects on you.
3. Cookies & Tracking Technologies
CardCompass uses the following types of storage technologies:
- localStorage (functional) — used to remember your cookie consent preference and newsletter subscription status. This data stays on your device and is never transmitted to us.
- Google Analytics cookies (analytics, consent required) — used only after you click "Accept" on our cookie banner. These cookies help us understand site traffic and user behavior.
You can change your cookie preference at any time by clearing your browser's localStorage for this site (open DevTools → Application → Local Storage → clear entries beginning with "cc_").
4. Third-Party Services
Google Analytics 4 — We use GA4 for website analytics. Google may process usage data on servers in the United States. Google's privacy policy: policies.google.com/privacy.
Google Fonts & Font Awesome CDN — These services load fonts and icons on our pages. Your IP address may be transmitted to their servers when fonts load. Both services operate under their own privacy policies.
Credit Card Issuers (affiliate links) — When you click "Apply Now," you are redirected to a credit card issuer's website. That site operates under its own privacy policy, which we encourage you to review before applying.
5. Data Sharing
We do not sell, rent, or share your personal information with third parties for their own marketing purposes. We may share data in the following limited circumstances:
- With service providers who help us operate CardCompass (e.g., Netlify for hosting, email delivery for newsletter), under strict data processing agreements
- When required by law, court order, or government request
- In connection with a merger, acquisition, or sale of CardCompass assets (you would be notified)
6. Your Rights (GDPR & CCPA)
Depending on where you live, you may have the following rights regarding your personal data:
- Right to access — Request a copy of the personal data we hold about you
- Right to erasure — Request deletion of your personal data (e.g., removal from our newsletter list)
- Right to opt out — Unsubscribe from our newsletter at any time using the link in any email we send you
- Right to object — Object to analytics data collection by declining cookies at any time
- Right to data portability — Request your data in a machine-readable format
- Do Not Sell My Personal Information (CCPA) — We do not sell personal information. California residents may contact us to confirm this.
To exercise any of these rights, email privacy@cardcompass.io. We will respond within 30 days.
7. Data Retention
Newsletter email addresses are retained until you unsubscribe. Analytics data is retained according to Google Analytics' default retention settings (26 months). Cookie consent preferences stored in localStorage are retained until you clear your browser data.
8. Security
CardCompass is served over HTTPS. We use Netlify for hosting, which provides enterprise-grade infrastructure security. Newsletter email addresses, if stored, are held by our email service provider under their security standards.
No method of transmission over the internet is 100% secure. We cannot guarantee absolute security, but we take commercially reasonable precautions to protect your information.
9. Children's Privacy
CardCompass is not directed to children under 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately at privacy@cardcompass.io.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Effective date" at the top of this page. We encourage you to review this page periodically. Continued use of CardCompass after changes constitutes acceptance of the updated policy.
11. Contact Us
For any privacy questions, concerns, or requests, please contact us at:
- Email: privacy@cardcompass.io
- General inquiries: hello@cardcompass.io