Privacy Policy

1. Introduction

Welcome to Use Your Credits ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

Important Notice: Use Your Credits is an informational tool designed to help you track and remember to use your existing credit card benefits. We do not provide financial advice, credit counseling, or recommendations about which credit cards to apply for.

2. Information We Collect

Information You Provide

• Account information (name, email address, password)
• Credit card information (card names, benefit details, expiration dates)
• Benefit usage tracking data
• Notification preferences
• Payment information for premium subscriptions (processed by Stripe)

Information Collected Automatically

• Device information (browser type, operating system)
• Usage data (pages visited, features used)
• IP address and general location data
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide and maintain our services
• Track your credit card benefits and send expiration reminders
• Process premium subscriptions
• Respond to your inquiries and support requests
• Improve and optimize our services
• Send service-related notifications
• Comply with legal obligations

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure AWS infrastructure
• Regular security assessments
• Limited access to personal information on a need-to-know basis

Note: We do not store full credit card numbers or payment card details. All payment processing is handled by Stripe, a PCI-compliant payment processor.

5. Data Sharing and Disclosure

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: With trusted third-party service providers who assist us in operating our website and services (e.g., AWS for hosting, Stripe for payments, AWS SES for emails)
• Legal Requirements: When required by law or to respond to legal process
• Protection of Rights: To protect our rights, privacy, safety, or property
• Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Your Rights and Choices

You have the right to:

• Access and receive a copy of your personal information
• Update or correct your personal information
• Delete your account and associated data
• Opt-out of marketing communications
• Manage notification preferences
• Export your data

To exercise these rights, please contact us at support@useyourcredits.com or through your account settings.

7. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your experience. You can control cookie preferences through your browser settings. Essential cookies required for service functionality cannot be disabled.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers.

10. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. When you delete your account, we will delete or anonymize your personal information within 30 days, except where retention is required by law.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Email: support@useyourcredits.com

14. Service Availability

Our services are currently available only to residents of the United States. We do not offer services to users in the European Union or other international jurisdictions at this time.