Privacy Policy
1. Who We Are
KnowURCard Inc. (“Company,” “we,” “our”) operates the KnowURCard website and mobile app (together, the “Service”). If you have questions, contact our Data Protection Officer at privacy@knowurcard.com.
2. What We Collect & Why
| Category | Examples | Purpose / Legal Basis |
|---|---|---|
| Account Data | Name, email, hashed password, referral code | Contract – create and secure your account |
| Card & Offer Data | Credit-card names you add, searches, selected offers | Contract & Legitimate Interest – personalised results |
| Device & Log | IP, browser UA, cookies, search keyword, page name | Security / analytics |
| Referral Metrics | Referrer ID, referral count, points | Loyalty programme |
3. How We Use Your Data
- Deliver personalised cashback recommendations
- Administer referral points and rewards
- Send account or promo e-mails (opt-out anytime)
- Detect fraud, secure the Service, comply with law
4. Cookies & Analytics
We use essential cookies to keep you signed-in and remember filters, plus Google Analytics for aggregated usage stats. You can disable non-essential cookies via the banner; essential cookies remain so the site works.
5. Sharing & International Transfers
We host on AWS (us-east-1), send e-mails via SendGrid, and use Google Analytics. Data may be processed in the USA; we rely on Standard Contractual Clauses or the EU-U.S. Data Privacy Framework where required.
6. Retention
Account data is kept while your account is active. Search logs roll off after 18 months. Back-ups persist up to 30 days.
7. Your Rights
You may access, correct, delete or export your data, object to processing, or opt-out of “sale / share” under CCPA. We respond to verified requests within 30 days.
8. Security
All traffic is encrypted (TLS 1.3); data at rest is AES-256; we use role-based access and annual penetration tests.
9. Third-Party Links
Issuer or merchant links on our site lead to their own privacy notices. We are not responsible for their content.
10. Changes
Changes to this policy will appear here and, when material, by e-mail 7 days before they take effect. Version 1.0, effective 25 May 2025.
11. Contact
Email: privacy@knowurcard.com | Phone: +1-800-123-4567