Privacy Policy

1. Information We Collect

Information You Provide

• Contact Forms: Name, email address, and message content when you submit a question or inquiry.
• Email Sign-Ups: Email address and optional name if you subscribe to updates or newsletters.
• Account Registration: Email address and password if you create an account.

Information Collected Automatically

• Log Data: IP address, browser type and version, operating system, referring URL, pages visited, time and date of visits, and time spent on pages.
• Device Information: Device type (desktop, mobile, tablet), screen resolution, and device identifiers.
• Cookies and Tracking Technologies: Cookies, web beacons, pixels, and similar technologies (see Section 5).
• Click and Conversion Data: Which links you click, including affiliate links to card issuers, and whether applications are submitted or approved.
• Search and Navigation: Search queries entered on the Site and how you navigate between pages.
• UTM and Advertising Parameters: Campaign parameters (utm_source, utm_medium, gclid, msclkid) appended to URLs from paid search or other referring sources.

Information from Third Parties

• Affiliate Networks: When you click an affiliate link and complete an application, our affiliate partners (such as Impact, CJ Affiliate, and card issuers) may share conversion events with us.
• Advertising Platforms: Google Ads and Microsoft Advertising may share aggregate data about campaign performance, including impressions, clicks, and conversions attributable to our advertising.

2. How We Use Your Information

• To operate, maintain, and improve the Site and its features
• To respond to your questions, comments, and support requests
• To understand how visitors use the Site and which content is most useful (analytics)
• To track affiliate conversions and compensate our affiliate network partners
• To measure the effectiveness of our paid advertising campaigns (Google Ads, Bing Ads)
• To personalize content and card recommendations based on browsing behavior (where applicable)
• To send transactional emails (e.g., contact form confirmations)
• To send marketing communications, if you have opted in
• To detect, prevent, and respond to fraud, abuse, or security incidents
• To comply with applicable laws and legal obligations
• To enforce our Terms of Use

3. How We Share Your Information

We do not sell your personal information.

We may share information in the following circumstances:

Service Providers

We work with third-party vendors who help us operate the Site, including hosting providers, analytics services, email delivery, and security monitoring. These providers access only the data needed to perform their services and are contractually prohibited from using it for other purposes.

Affiliate Networks and Card Issuers

When you click an affiliate link, certain click-tracking data (such as a session ID or click ID) is passed to our affiliate partners so that referrals and conversions can be attributed correctly. This does not include your name, email address, or other directly identifying information.

Advertising Platforms

We use Google Ads and Microsoft Advertising (Bing Ads) to run paid search campaigns. These platforms may use cookies, pixels, and conversion tracking to measure the performance of our ads. Their use of data is governed by Google's Privacy Policy and Microsoft's Privacy Statement, respectively.

Legal Requirements

We may disclose your information if required by law, subpoena, court order, or to protect the rights, property, or safety of CardCompareHub, our users, or the public.

Business Transfers

If CardCompareHub is acquired, merged, or sold, user information may be transferred as part of that transaction. We will notify you before your information becomes subject to a materially different privacy policy.

4. Affiliate Disclosure and Tracking

CardCompareHub participates in affiliate programs. When you click a "Apply Now" or similar link, you are directed to the card issuer's website. A unique click ID may be embedded in that link so our affiliate partner can attribute any resulting application or approval to our referral.

If you are approved for a card, we may receive a referral commission from the card issuer or affiliate network. This commission is paid to us — you are not charged any additional cost. The card issuer's own privacy policy governs any information you submit during the application process.

5. Cookies and Tracking Technologies

What We Use

Your Choices

Most browsers allow you to control cookies through their settings. You can block or delete cookies at any time. However, disabling cookies may affect the functionality of the Site.

Google Ads: You can opt out of personalized Google advertising at adssettings.google.com.

Microsoft Advertising: You can opt out of Bing interest-based advertising at Microsoft's opt-out page.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Policy, or as required by law. Server log data is generally retained for 90 days. Affiliate conversion records may be retained for up to 3 years for accounting and compliance purposes. If you request deletion of your information, we will honor that request to the extent permitted by law.

7. Your Privacy Rights

Depending on where you live, you may have rights including:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct inaccurate personal information
• Deletion: Request that we delete your personal information
• Opt-Out of Marketing: Unsubscribe from any marketing emails we send
• Data Portability: Receive your data in a machine-readable format

To exercise any of these rights, please contact us. We will respond within 30 days.

8. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• The right to know what personal information is collected and how it is used
• The right to delete personal information we have collected from you
• The right to opt out of the sale or sharing of personal information (we do not sell your data)
• The right to non-discrimination for exercising your privacy rights
• The right to correct inaccurate personal information

To submit a California privacy rights request, please contact us at the address below.

9. Children's Privacy

The Site is intended for users 18 years of age and older. We do not knowingly collect personal information from anyone under 13. If we become aware that we have inadvertently collected information from a child under 13, we will delete it promptly. If you believe we may have such information, please contact us immediately.

10. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect the personal information we hold. These include HTTPS encryption, secure server infrastructure, and access controls. However, no method of internet transmission or storage is 100% secure. We cannot guarantee the absolute security of any information transmitted to or stored on our systems. If you believe your information has been compromised, please contact us immediately.

11. Third-Party Links

The Site contains links to third-party websites, including credit card issuers, financial institutions, and affiliate networks. Once you leave our Site, this Privacy Policy no longer applies. We encourage you to review the privacy policies of any website you visit, particularly before submitting any personal or financial information.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. When we make changes, we will update the "Last updated" date at the top of this page. For material changes, we may provide additional notice. Your continued use of the Site after any changes constitutes your acceptance of the revised Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please reach out:

Contact form →

CardCompareHub
Montana, United States