Privacy Policy

Effective Date: January 2026

Last Updated: January 2026

Cardvisor ("we", "our", or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how Cardvisor collects, uses, discloses, and safeguards your information when you use the Cardvisor mobile application and related services (collectively, the "App").

By using Cardvisor, you consent to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

When you create an account or use the App, we may collect:

• Email address
• Authentication information (via Firebase Authentication)
• App preferences and notification settings
• Support communications

1.2 Financial Information via Plaid

When you choose to connect your financial accounts, Cardvisor uses Plaid, Inc. ("Plaid") to securely access limited financial data on your behalf. Cardvisor does not receive or store your bank login credentials.

The information we may receive from Plaid includes:

• Credit card account metadata (issuer, account name)
• Balances and credit limits
• Transaction and merchant category information

This data is used solely to provide Cardvisor’s core functionality.

1.3 Automatically Collected Information

We may automatically collect:

• Device type and operating system
• App usage and performance data
• Crash logs and diagnostic data

This information is collected in an aggregated or anonymized manner where possible.

2. How We Use Your Information

Cardvisor uses your information to:

• Provide and operate the App
• Recommend the optimal credit card for purchases
• Monitor utilization and payment status
• Send notifications and alerts you enable
• Improve app performance and user experience
• Respond to support requests

We do not sell your personal or financial information.

3. How We Share Information

We may share information only with trusted service providers necessary to operate the App, including:

• Plaid: to securely access financial account data you authorize
• Firebase (Google): for authentication, data storage, and analytics
• Apple: for App Store distribution and platform services

We do not share your data with advertisers or data brokers.

4. Data Security

Cardvisor uses industry-standard security measures to protect your information, including:

• Encryption of data in transit using TLS
• Encryption of data at rest
• Role-based access controls
• Secure third-party infrastructure

Despite these measures, no system can be guaranteed to be 100% secure.

5. Data Retention

We retain your information only for as long as your account remains active or as necessary to provide the App. If you delete your account or request deletion, your data will be removed as described below.

6. Your Rights and Choices

Depending on your location, you may have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion of your data
• Withdraw consent at any time

To exercise these rights, contact us at support@cardvisor.app.

7. Data Deletion

You may request deletion of your account and associated data at any time. Upon deletion:

• Your Plaid access tokens are revoked
• Financial and personal data stored by Cardvisor is deleted

Some information may be retained where required by law.

8. Children’s Privacy

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

9. Third-Party Links

The App may contain links to third-party services. We are not responsible for the privacy practices of those third parties.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of material changes through the App or by email.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact:

Email: support@cardvisor.app

This Privacy Policy is designed to comply with applicable privacy laws, including CCPA and GDPR, to the extent applicable.