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1. Introduction
Welcome to ChurnVault ("we," "us," or "our"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, and what rights you have in relation to it.
By using ChurnVault (churnvault.com), you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
2.1 Information You Provide
When you create an account or use our services, you may provide us with:
- Account Information: Email address, password (encrypted)
- Churning Data: Credit card names, bonus values, application dates, spending requirements, notes
- Banking Information: Bank names, bonus amounts, account types (we do NOT collect account numbers, routing numbers, or login credentials)
- Manufactured Spending Data: Gift card purchase information, liquidation methods, cycle tracking data
2.2 Information Collected Automatically
When you visit our site, we automatically collect:
- Device Information: IP address, browser type, device type, operating system
- Usage Data: Pages visited, time spent, clicks, features used
- Cookies: Authentication cookies, preference cookies, analytics cookies
2.3 Information from Third Parties
- Firebase Authentication: We use Google Firebase for authentication
- Google Analytics: We use Google Analytics to understand site usage
- Affiliate Networks: We may receive confirmation when you click our affiliate links
Important: We NEVER collect or store sensitive financial information such as credit card numbers, bank account numbers, Social Security numbers, or passwords to financial accounts.
3. How We Use Your Information
We use the information we collect to:
- Provide Our Service: Track your churning activities, display recommendations, calculate statistics
- Improve Our Service: Understand how users interact with ChurnVault, identify bugs, develop new features
- Communicate with You: Send service updates, respond to inquiries, provide support
- Security: Protect against fraud, unauthorized access, and abuse
- Legal Compliance: Comply with legal obligations and enforce our terms
- Analytics: Understand usage patterns and improve user experience
We do NOT:
- Sell your personal information to third parties
- Share your churning data with credit card companies or banks
- Use your information for unrelated marketing purposes
- Track you across other websites
4. How We Share Your Information
We may share your information in the following circumstances:
4.1 Service Providers
- Firebase (Google): For authentication and database hosting
- Netlify: For website hosting
- Google Analytics: For usage analytics (anonymized)
4.2 Affiliate Partners
When you click on an affiliate link, you may be redirected to a third-party website. At that point, their privacy policy applies. We may receive confirmation that you clicked the link, but we do NOT share your ChurnVault account data with them.
4.3 Legal Requirements
We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety.
4.4 Business Transfers
If ChurnVault is acquired or merged with another company, your information may be transferred as part of that transaction.
5. Cookies and Tracking
We use cookies and similar technologies to:
- Authentication: Keep you logged in
- Preferences: Remember your settings
- Analytics: Understand how you use our site
- Affiliate Tracking: Track conversions from affiliate links
You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features.
6. Data Security
We take data security seriously and implement industry-standard measures including:
- Encryption: All data transmitted between your browser and our servers is encrypted using HTTPS/TLS
- Firebase Security Rules: Your data can only be accessed by you when logged in
- Password Security: Passwords are hashed and encrypted using Firebase Authentication
- API Key Restrictions: Our Firebase API keys are restricted to authorized domains
However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
7. Your Privacy Rights
Depending on your location, you may have the following rights:
7.1 Access and Portability
You can access all your data through your ChurnVault dashboard. You can export your data at any time.
7.2 Correction
You can edit or update your information directly in your account settings.
7.3 Deletion
You can delete your account and all associated data at any time. Contact us at support@churnvault.com to request account deletion.
7.4 Opt-Out
You can opt out of:
- Email communications (unsubscribe link in emails)
- Google Analytics (use browser extensions or opt-out tools)
- Cookies (browser settings)
7.5 California Privacy Rights (CCPA)
If you are a California resident, you have additional rights including:
- Right to know what personal information is collected
- Right to know if personal information is sold or disclosed
- Right to opt-out of sale of personal information (we don't sell your data)
- Right to deletion
- Right to non-discrimination
7.6 European Privacy Rights (GDPR)
If you are in the European Union, you have rights including:
- Right to access your data
- Right to rectification
- Right to erasure ("right to be forgotten")
- Right to restrict processing
- Right to data portability
- Right to object to processing
8. Children's Privacy
ChurnVault is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it.
9. Data Retention
We retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to:
- Comply with legal obligations
- Resolve disputes
- Enforce our agreements
When you delete your account, we will delete your personal data within 30 days, except where retention is required by law.
10. Third-Party Websites
Our site contains links to third-party websites (credit card offers, bank websites, etc.). We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies before providing any information.
11. Affiliate Disclosure
ChurnVault participates in affiliate programs. When you click on certain links and apply for credit cards or bank accounts, we may earn a commission. This does not affect the information we collect about you, and we do not share your ChurnVault account data with affiliate partners.
The commissions we earn help us keep ChurnVault free for users.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by:
- Posting the new Privacy Policy on this page
- Updating the "Last Updated" date
- Sending an email notification for material changes
You are advised to review this Privacy Policy periodically for any changes.
13. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
- Email: support@churnvault.com
- Website: churnvault.com
We will respond to your inquiry within 30 days.
14. Your Consent
By using ChurnVault, you consent to this Privacy Policy and agree to its terms.