Privacy Policy
The short version. We store your email, the card products you say you own, the offers you save, and any problem reports you send. We never ask for or store bank logins, card numbers, or transactions. Location is used only on the "Near me" view or if you turn on nearby alerts. Premium is billed by Apple; we only learn whether your subscription is active. You can delete your account and all its data from inside the app at any time.
1. Who we are
YourBankDeals is operated by SmartBird Solution ("we", "us"). For anything in this policy, write to privacy@yourbankdeals.com.
2. What we collect and why
| Data | Why we use it | Where it comes from |
|---|---|---|
| Email address and a hashed password | To create and secure your account, send sign-in codes and password-reset codes. | You, at sign-up |
| Card products you own (for example "Chase Sapphire Preferred") | To show only the offers that apply to your cards. This is the card type, never the card number. | You, in the Cards tab |
| Saved offers and whether you marked them activated | To keep your checklist across devices. | You, in the app |
| Companies you add to "My merchants" (name and website domain) | To filter deals to the companies you pay and, if you turn it on, alert you when a new deal for one of them appears. Alerts are generated on your device. | You, in Profile → My merchants |
| Problem reports about an offer, including an optional note | To fix wrong or expired offers. | You, when you tap "Report a problem" |
| Payment reminders you set up (a card or a name you type, the due date, how often it repeats, an optional nickname) | To show your upcoming payments and roll them forward when you mark one paid. Reminders are notifications generated on your device; we store no amounts, balances, or bank details. | You, in the Payments tab |
| Precise location (optional) | Only if you use "Near me" or turn on nearby deal alerts. See section 3. | Your device, with your permission |
| Premium subscription status (active, trial, expired, renewal date) | To unlock Premium features. Payment itself is handled by Apple; we never see your payment method. See section 4. | Apple, via RevenueCat, when you subscribe |
| Basic technical data (device type, OS version, crash reports) | To keep the app working. Beta builds also share crash and usage data with Apple through TestFlight. | Your device |
What we never collect: bank usernames or passwords, card numbers, account balances, transactions, or anything from inside your bank account. The app has no way to log in to your bank.
3. Location, "Near me" and nearby alerts
Location is used only while you are on the "Near me" view of the Deals tab, or if you turn on nearby alerts (off by default). When it is used:
- The app reads your current position to ask our server which nearby stores have an offer for one of your cards. Your position is used to answer that query; we do not keep a log of where you were.
- To find stores we do not know about yet, the app also asks OpenStreetMap (a public map database) which businesses are around your position. OpenStreetMap receives the position of that query and nothing about your account. Businesses that match an offer for your cards are saved in our store directory with a note that your account was one of the accounts that found them — this is how the directory grows and how we keep one account from adding fake stores. That note is the only location-related data tied to your account, and it is deleted with your account.
- If you grant "Always" location access, your phone's operating system wakes the app when you enter a small region (about 100 metres) around one of those stores, and the app shows a local notification. We do not track your route, keep a location history, or receive location while you are not near a store region.
- A speed check to avoid alerts while driving runs entirely on your device.
- Notifications are generated on your device. We do not collect push notification tokens.
You can turn alerts off any time in the app's Settings tab or in your phone's location settings. Everything else in the app keeps working without location access.
4. Third parties that process data for us
- Supabase — database and authentication, hosted on Amazon Web Services in the United States (us-east-1).
- Amazon Web Services — hosting for this website, our admin tools, and the email service that sends sign-in and password-reset codes.
- Apple App Store and RevenueCat — Premium is an auto-renewable subscription purchased through Apple. RevenueCat processes the purchase receipt for us and tells our server whether your subscription is active, using an anonymous app user id that matches your account. Neither we nor RevenueCat receive your payment details.
- OpenStreetMap (Overpass API) — when you use "Near me", the app asks this public map service which businesses are around your position. It receives that position and no account information. See section 3.
- Google favicon service — merchant logos in the app are fetched from Google's public favicon service. When a logo loads, Google receives your IP address and the merchant's web domain. No account information is sent.
- Apple TestFlight — during the beta, Apple collects crash logs and basic usage statistics for beta builds under Apple's own terms.
We do not sell your data, show third-party advertising, or use your data for cross-app tracking.
5. Where offer data comes from
The offers shown in the app are compiled from publicly available information about card-linked offers. Banks target many offers to individual cardholders, so an offer shown in YourBankDeals may not appear on your account. YourBankDeals is not affiliated with, endorsed by, or acting on behalf of any bank or card network. Bank and card names are used only to identify which card an offer belongs to.
6. How long we keep data and how to delete it
- Your account data is kept while your account exists.
- Delete your account in the app: Settings → Delete account. This immediately and permanently removes your account, cards, saved offers, and reports. Copies in our database backups are purged within 30 days.
- You can also email privacy@yourbankdeals.com and we will delete your account for you.
7. Security
Passwords are stored only as salted hashes. All traffic between the app and our servers is encrypted in transit. Access to your rows in the database is enforced by row-level security, so your data is only ever returned to your own signed-in session.
8. Children
YourBankDeals is not directed to anyone under 18 and we do not knowingly collect data from children.
9. Your rights
Depending on where you live, you may have the right to access, correct, export, or delete your personal data, or to object to certain processing. You can exercise most of these directly in the app; for anything else, contact us at the address above and we will respond within 30 days.
10. Changes
If we change this policy in a meaningful way, we will update the effective date above and, for significant changes, tell you in the app.
11. Contact
SmartBird Solution · privacy@yourbankdeals.com