PRIVACY POLICY

This Privacy Policy describes how kardfolio ("we," "our," or "us") collects, uses, and protects information when you use our credit card portfolio management service. Currently in alpha testing, kardfolio helps you track credit card benefits, monitor signup bonus progress, and organize your card portfolio.

By using kardfolio, you agree to the collection and use of information as described in this Privacy Policy. If you do not agree with our practices, please do not use our service.

1. INFORMATION WE COLLECT

Account Information

• Email address (for authentication and communication)
• Account preferences and settings
• Profile information you choose to provide

Credit Card Information

• Card names and types you add to track
• Benefit details
• Signup bonus progress and spending requirements
• Labels and notes you create for organization

Usage Data

• How you interact with our service
• Device information (browser type, operating system)
• IP address and general location
• Performance data and error logs

2. HOW WE USE YOUR INFORMATION

• Provide and maintain our credit card tracking service
• Send notifications about benefit expirations and resets
• Track your signup bonus progress and spending milestones
• Improve our service and develop new features during alpha testing
• Ensure account security and prevent unauthorized access
• Provide customer support and respond to your requests

3. INFORMATION SHARING

We do not sell, rent, or trade your personal information to third parties. We may share your information only in these limited circumstances:

• Service Providers: Trusted partners who help operate our service (Supabase for secure data storage, Vercel for hosting, Resend for email notifications)
• Legal Requirements: When required by law or to protect our rights and users' safety
• Business Transfers: In connection with a merger, acquisition, or sale of assets

4. DATA SECURITY

We implement industry-standard security measures to protect your information:

• All data is encrypted in transit using HTTPS
• Data is stored securely in Supabase's managed PostgreSQL database
• Access to personal information is limited on a need-to-know basis
• Regular security assessments and updates
• Secure authentication through Supabase
• We never store complete credit card numbers

5. YOUR PRIVACY RIGHTS

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and personal data
• Portability: Export your data in a machine-readable format
• Notification Control: Manage your email notification preferences

To exercise these rights, contact us at kardfolio@gmail.com. We will respond to your request within 30 days.

6. DATA RETENTION

We retain your information for as long as your account is active or as needed to provide our services. When you delete your account, we will permanently delete your personal information within 30 days, except where retention is required by law or for legitimate business purposes.

7. ALPHA TESTING NOTICE

kardfolio is currently in alpha testing. During this phase, we may make frequent updates to our service and this Privacy Policy. We will notify you of significant changes via email or through the service. Your continued use after changes indicates acceptance of the updated policy.

8. AGE RESTRICTIONS

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

9. CONTACT US

If you have questions about this Privacy Policy or our data practices, please contact us at kardfolio@gmail.com. We value your feedback, especially during our alpha testing phase.