Legal

By accessing and using CardBenefitHub ("the Service"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the Service.

Use of the Service

• You must be at least 18 years of age to use this Service.
• You are responsible for maintaining the confidentiality and security of your account credentials. You agree to notify us immediately of any unauthorized use of your account.
• You agree to use the Service only for lawful purposes and in accordance with these Terms.
• You are solely responsible for all activity that occurs under your account.

Service Modifications

• We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice.
• We reserve the right to update these Terms of Service at any time. Continued use of the Service after changes constitutes acceptance of the updated Terms.
• We may terminate or suspend your access to the Service at our sole discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Intellectual Property

All content, features, and functionality of the Service — including but not limited to text, graphics, logos, and software — are the exclusive property of CardBenefitHub and are protected by copyright, trademark, and other intellectual property laws.

Your privacy is important to us. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data.

Information We Collect

• Account information: We collect your email address, full name, city, and zip code for account functionality and to personalize your experience.
• Usage data: We collect information about how you interact with the Service, including which benefits you track and mark as used.
• Cookies and local storage: We use cookies and localStorage solely for session management and theme preferences (light/dark mode). We do not use tracking cookies or third-party advertising cookies.

What We Do NOT Collect

• We do NOT collect or store credit card numbers, account numbers, or any financial credentials.
• We do NOT sell, rent, or trade your personal data to third parties.
• We do NOT share your personal information with advertisers.

Data Storage

Your data is stored securely using Supabase with row-level security (RLS) policies, ensuring that each user can only access their own data. All data transmission is encrypted via HTTPS/TLS.

Your Rights

• You can request access to, correction of, or deletion of your personal data at any time by contacting us.
• You can delete your account and all associated data by contacting us.

Please read this disclaimer carefully before using CardBenefitHub.

• CardBenefitHub is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement.
• We are NOT responsible for any loss of money, travel disruptions, missed benefits, or any other direct, indirect, incidental, special, or consequential damages resulting from use of this application.
• We are NOT responsible for the accuracy, completeness, or timeliness of benefit information. Credit card issuers may change, modify, or discontinue benefits at any time without notice. Benefit information displayed in the Service is provided for informational purposes only and should always be verified with your card issuer.
• We are NOT responsible for any security breaches, data loss, or unauthorized access to your account, although we take commercially reasonable measures to protect your data.
• CardBenefitHub is NOT affiliated with, endorsed by, or sponsored by any credit card issuer, bank, or financial institution. All trademarks, product names, and company names mentioned are the property of their respective owners.
• The Service does not constitute financial advice. You should consult with a qualified financial advisor before making any financial decisions based on information provided by the Service.

We take the security of your data seriously. Here is how we protect your information:

• No financial data stored: We do not store any personally identifiable financial information such as credit card numbers, Social Security numbers, or bank account details. The Service only tracks the names and benefits of cards you select — never your actual card credentials.
• Encrypted authentication: User authentication is handled through Supabase Auth with encrypted credentials. Passwords are hashed and never stored in plain text.
• Encrypted transmission: All data transmission between your browser and our servers is encrypted via HTTPS/TLS, ensuring your data cannot be intercepted in transit.
• Row-level security: We implement row-level security (RLS) policies at the database level to ensure that users can only access their own data. Even in the event of an application-level vulnerability, the database enforces strict access controls.
• Regular security reviews: We regularly review our security practices and infrastructure to identify and address potential vulnerabilities.

If you have any questions about these terms, our privacy practices, or your data, please reach out through our contact form:

Contact Us

We aim to respond to all inquiries within 48 hours.