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Privacy Policy

Last updated: June 18, 2026

1. Introduction

Subtrack ("we", "us", or "our") operates https://subtrack.cards (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

We may collect the following types of information:

  • Personal Information: Name, email address, username, and similar identifiers
  • Contact Information: Phone number (used to send you notifications) and other contact details
  • Device Information: Browser type, operating system, device type, and unique device identifiers
  • Usage Data: Pages visited, time spent on pages, links clicked, and browsing patterns
  • User-Provided Credit Card Data: Card names, last digits, issuing bank, network, annual fees, credit limits, sign-up bonus details, spending requirement progress, credit inquiry history, account open/close events, and notes you choose to provide. We do not collect or store full credit card numbers, bank account numbers, or login credentials.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To provide, maintain, and improve our services
  • To respond to your inquiries and provide customer support
  • To analyze usage patterns and improve user experience
  • To comply with legal obligations and enforce our terms
  • To detect, prevent, and address security issues and fraud

4. Third-Party Services

We may share your information with the following third-party service providers:

  • Stripe: For secure payment processing
  • Cloudflare: For content delivery and security
  • Amazon Web Services: For hosting and infrastructure
  • PostHog: For product analytics and usage tracking
  • Polar.sh: For subscription billing and management
  • Vercel: For application hosting and deployment

These third parties have their own privacy policies governing how they use your information.

5. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law.

6. Your Rights

Rights Under CCPA (California Residents)

If you are a California resident, you have the following rights under the California Consumer Privacy Act:

  • Right to Know: Know what personal information is collected and how it is used
  • Right to Delete: Request deletion of your personal information
  • Right to Opt-Out: Opt-out of the sale of your personal information
  • Right to Non-Discrimination: Not be discriminated against for exercising your rights

Rights Under CPRA (California Residents - Enhanced Rights)

If you are a California resident, you have the following enhanced rights under the California Privacy Rights Act (effective January 2023):

  • Right to Know: Know what personal information is collected, used, shared or sold
  • Right to Delete: Request deletion of your personal information
  • Right to Correct: Request correction of inaccurate personal information
  • Right to Opt-Out of Sale/Sharing: Opt-out of the sale or sharing of your personal information
  • Right to Limit Use of Sensitive Personal Information: Limit the use and disclosure of sensitive personal information
  • Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights
  • Right to Data Portability: Obtain a copy of your personal information in a portable format

Sensitive Personal Information: Under CPRA, sensitive personal information includes Social Security numbers, driver's license numbers, account credentials, precise geolocation, racial/ethnic origin, religious beliefs, genetic data, health information, sex life or sexual orientation, and contents of mail/email/text messages.

7. Children's Privacy

Our Service is not intended for children under 13 years of age (or 16 in certain jurisdictions). We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.