Privacy Policy

Last updated: February 25, 2026

Overview

CardOptimizer is a client-side credit card eligibility tool. We are committed to protecting your privacy. This policy explains what data we collect, how it is used, and your rights.

Data We Collect

Profile & wallet data

When you use the eligibility checker, you provide information such as the number of cards opened, bonus history, and cards in your wallet. This data is stored exclusively in your browser's localStorage and is never sent to our servers. We do not have access to it.

Automatically collected information

Our hosting provider may collect standard server logs (IP address, browser type, pages visited) for operational purposes. We do not use third-party analytics services to track your behavior on the site.

Advertising

We use Google AdSense, which may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.

How We Use Your Data

  • To evaluate your credit card eligibility based on publicly known issuer rules — all processing happens in your browser.
  • To display relevant advertisements through Google AdSense.
  • To improve the site experience through aggregated, anonymous server log analysis.

Cookies

CardOptimizer itself does not set cookies. However, third-party services such as Google AdSense may set cookies on your device for advertising purposes. You can manage cookie preferences through your browser settings.

Data Retention & Deletion

Your profile data is stored in localStorage and remains on your device until you clear it. You can delete your data at any time by clearing your browser's localStorage for this site or by using your browser's “Clear site data” feature.

Third-Party Links

This site contains affiliate links to credit card issuer websites. When you click an apply link, you leave CardOptimizer and are subject to the issuer's own privacy policy. We may earn a commission from approved applications at no additional cost to you.

Children's Privacy

CardOptimizer is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated date.

Contact

If you have questions about this privacy policy, please reach out through our contact page.