CardTempo

Privacy Policy

Last updated: 2/1/2026

1. Information We Collect

Information You Provide

When you use CardTempo, you may provide us with:

  • Email address (for account creation and notifications)
  • Credit card information (nickname, balance, credit limit, statement dates)
  • Payment preferences and reminder settings

Automatically Collected Information

We automatically collect certain information when you use our service:

  • Browser type and version
  • Device information
  • Usage data and analytics
  • IP address and location data
2. How We Use Your Information

We use the information we collect to:

  • Calculate optimal payment strategies for your credit cards
  • Send payment reminders and notifications
  • Improve and personalize our service
  • Analyze usage patterns and optimize performance
  • Communicate with you about updates and new features
  • Comply with legal obligations
3. Data Storage and Security

Local Storage

Your credit card data is stored locally in your browser using localStorage. This data never leaves your device unless you create an account.

Secure Database Storage

If you create an account, your data is encrypted and stored securely in our database (powered by Supabase). We use industry-standard security measures to protect your information.

Important Note

We DO NOT store or have access to your actual credit card numbers, CVV codes, or any information that could be used to make charges. We only store the information you provide about your cards (nicknames, balances, limits, and dates).

4. Information Sharing

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

  • Service Providers: We use trusted third-party services (Supabase for database, Resend for emails) that help us operate our service
  • Legal Requirements: When required by law or to protect our rights
  • With Your Consent: When you explicitly authorize us to share your information
5. Your Rights and Choices

You have the right to:

  • Access the personal information we hold about you
  • Correct inaccurate or incomplete information
  • Delete your account and associated data
  • Opt out of marketing communications
  • Export your data in a portable format
  • Object to or restrict certain processing of your data

To exercise any of these rights, please visit your account settings or contact us directly.

6. Cookies and Tracking

We use cookies and similar tracking technologies to improve your experience. These help us remember your preferences and analyze how you use our service. You can control cookies through your browser settings.

7. Children's Privacy

CardTempo is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.