Simple & Straightforward

This privacy policy applies to the Credit Card Central mobile application. We believe in keeping things simple and transparent about how your data is handled.

What We Collect

Credit Card Central is designed to respect your privacy:

• Local Storage Only: Your credit card information and settings are stored locally on your device using AsyncStorage
• Your Phone's Backup: If your phone backs itself up (iCloud Backup on iPhone, Google's device backup on Android), the app's data is included, in your own account. On Android it's included only when the backup is end-to-end encrypted, which needs a screen lock and Android 9 or later. We never see it
• App Lock: If you turn on the app lock, your phone checks your Face ID, Touch ID, fingerprint or passcode and tells the app only whether it matched. The app never sees or stores biometric data
• No Server Transmission: We do not collect, store, or transmit any personal information or card data to our servers
• Card Library: The app downloads the latest list of popular cards from our website. That request carries no card data and nothing about you; like any web request, our host sees the IP address it came from
• Advertising Data: We use Google Mobile Ads which may collect advertising data according to Google's privacy policies
• App Tracking: On iOS, we request App Tracking Transparency permission for personalized ads, but you can decline without affecting app functionality

Your Card Data

All your credit card data is stored on your device:

• Card names and nicknames
• Reward categories and rates
• Annual fee amounts and dates
• Personal notes

The app never uploads this data to any server. Your phone's own backup (iCloud Backup or Google's device backup) includes it, in your account, if you use one. If you delete the app, its data is removed from your device; a phone backup made before then keeps its copy until that backup is replaced or deleted.

Privacy Effort

We make reasonable efforts to protect your privacy, but we provide the app "as is" with no guarantees. By using Credit Card Central, you acknowledge that:

• We are not responsible for any issues, damages, or data loss that may occur
• Third-party services (like advertising providers) have their own privacy policies
• Your use of the app is at your own risk
• We do not provide warranties regarding data security or availability

Third-Party Services

The app uses the following third-party services:

• Google Mobile Ads: For displaying advertisements, and for the consent and privacy-choices forms where they apply. Please review Google's Privacy Policy for information on how they handle data. Not used once you have the Pro upgrade.
• RevenueCat: Each time the app starts, it checks through RevenueCat whether this device's anonymous, app-generated identifier owns the Pro upgrade; it also handles purchases and restores. No card data is sent. Review RevenueCat's Privacy Policy for details.

Advertising

Credit Card Central displays advertisements through Google AdMob:

• Ads are served by Google AdMob, which may use your device's advertising identifier and information about your use of the app to show and measure ads
• In the EEA, the UK and Switzerland, the app asks for your consent through Google's consent form before any ad is requested. Without consent, Google shows only limited or non-personalized ads, or none
• In US states with privacy laws, you can opt out of the use of your data for personalized ads through Google's privacy-choices form
• Wherever either applies, you can review or change your choice at any time in Settings → Ad Privacy Choices
• On iOS, ads are personalized only if you allow tracking when the app asks (App Tracking Transparency). Declining doesn't affect any feature
• On Android, ads may be personalized using your device's advertising ID. You can reset it or turn off ad personalization in your device's settings
• You can learn more about Google's ad practices at Google Ads Policies
• The one-time Pro upgrade removes ads entirely

Purchases

The optional Pro upgrade (which removes ads) is a one-time in-app purchase:

• Payment is processed entirely by Apple (App Store) or Google (Google Play) — we never see your payment details
• Purchases are managed through RevenueCat using a pseudonymous, app-generated identifier so your purchase can be restored on a new device. Review RevenueCat's Privacy Policy for details
• No name, email, or account is required to purchase or restore

Notifications

Deadline reminders are local notifications scheduled on your device. There is no push server: nothing about your cards or deadlines leaves your phone to deliver a reminder, and you can turn them off any time in the app's settings or your device settings.

Children's Privacy

Credit Card Central is intended for users who manage credit cards. We do not knowingly collect personal information from children under 13.

Data Retention

Since all your data is stored locally on your device:

• Data persists until you delete the app
• We have no access to your data and cannot recover it if lost. Your phone's own backup includes it when that's switched on; Settings → Export Data saves a backup file that you control

Your Rights

Since we don't collect or store your personal data on our servers:

• You have complete control over your data on your device
• You can delete all data by uninstalling the app
• You can control ad preferences through your device settings, and in Settings → Ad Privacy Choices where your region requires it

Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated date. Continued use of the app constitutes acceptance of any changes.