Privacy Policy

We collect minimal information to provide you with the best possible credit card advice experience:

Information You Provide

• Contact Information: If you reach out to us via email, we'll have your email address and any other information you choose to share.
• Feedback and Questions: Any questions, feedback, or experiences you share with us about credit cards.
• Calculator Usage: When you use our annual fee calculator, we don't store any of your personal spending information.

Information We Don't Collect

• Personal Financial Data: We never ask for or store your credit card numbers, bank account information, or detailed spending data.
• Credit Reports: We don't access or store your credit reports or credit scores.
• Social Security Numbers: We never request or store your SSN or other sensitive personal identifiers.

We use the information you provide for these specific purposes:

• Providing Advice: To answer your questions about credit cards and provide personalized recommendations.
• Improving Our Service: To understand what information is most helpful and what we can explain better.
• Communication: To respond to your emails and provide follow-up information when helpful.
• Content Development: To identify topics we should cover or explain better on the site.

What We Don't Do

• We don't sell your information to third parties
• We don't use your information for marketing purposes without your explicit consent
• We don't share your personal information with credit card companies or financial institutions
• We don't use your information to make credit decisions or financial recommendations beyond general advice

We're committed to keeping your information private and secure. We only share information if required by law or with your explicit consent. We use secure, encrypted connections (HTTPS) for all website interactions and don't store sensitive information on our servers.

You have control over your information. You can ask us what information we have about you, correct any inaccurate information, delete your information, or stop receiving communications from us at any time. To exercise any of these rights, simply email us at hello@practicalrewards.com.

We use minimal cookies and tracking - just basic cookies that make the website function properly and basic analytics to understand how people use our site (no personal identification). We don't use tracking cookies for advertising purposes. You can control cookies through your browser settings, though this may affect site functionality.

Analytics and User Experience Tracking

We use Google Analytics to understand how visitors interact with our website. Google Analytics collects information such as how often users visit our site, what pages they visit, and what other sites they used prior to coming to our site. We use the information we get from Google Analytics only to improve our site and services.

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising.

For more information about how Google collects and uses your data, visit the Google Privacy Policy. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Our service is not intended for children under 13. We don't knowingly collect personal information from children under 13. If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

We may update this privacy policy from time to time. We'll notify you of any material changes by posting the new policy on this page, updating the "Last Updated" date at the bottom, or sending you an email if the changes significantly affect how we handle your information. Your continued use of our service after any changes constitutes acceptance of the new policy.

If you have any questions about this privacy policy or how we handle your information, please contact us at hello@practicalrewards.com. We typically respond within 24-48 hours.

Last Updated: January 2025
This privacy policy applies to all users of Practical Rewards services.