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 if you turn on nearby alerts, and 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 |
| Problem reports about an offer, including an optional note | To fix wrong or expired offers. | You, when you tap "Report a problem" |
| Approximate and precise location (optional) | Only if you turn on nearby deal alerts. See section 3. | Your device, with your permission |
| 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 and nearby alerts
Nearby alerts are off by default. If you turn them on:
- 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 and is not stored on our servers.
- 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.
- 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