📱 CCPerk

1Information We Collect

We collect the following types of information:

a. Minimal Required Information

To create an account, we only require your mobile number. No other personal data is mandatory during sign-up.

b. Optional Profile Information

After signing in, you may optionally provide:

• Name
• Email
• Address, city, pincode
• Age and income range
• Profile image

This data helps us to improve your experience, but it is not required to use the core features of the app.

c. Gmail Access (with Consent)

• With your explicit permission, we access your Gmail inbox to analyze credit card-related transactional emails.
• We do not access or store unrelated email content.
• We use Google OAuth 2.0 for secure, permission-based access and strictly follow Google's limited use policy.
• You can disconnect Gmail access at any time, and all permissions granted to us will be revoked.

d. Crash Analytics & Notifications

• We use Firebase to monitor app crashes and send push notifications.
• Firebase may collect anonymized app performance data.

e. Portfolio Card Information

In the Portfolio Cards section, we collect:

• Credit card name
• Bank name
• Last 4 digits of the card number

This helps us map credit card transactions retrieved from Gmail with user-saved cards, for better recommendations.

2How We Use Your Information

Your information is used strictly to:

• Analyze your credit card spending behavior
• Recommend suitable credit cards
• Provide tailored in-app experiences
• Improve app performance and reliability
• Map credit card transactions to your portfolio cards
• Send relevant notifications (with your permission)

3Data Storage

• Your data is securely stored in MongoDB Atlas (cloud database).
• We use Firebase Cloud Messaging (FCM) for notifications.
• Access to all data is restricted, encrypted in transit, and protected using industry-standard practices.

4User Accounts and Authentication

• You can create and manage a personal account within the app.
• We use our own secure authentication system.
• Gmail access is a separate, opt-in feature for enhanced recommendations.

5Data Sharing

6Your Rights and Choices

You can:

• Revoke Gmail access at any time from your Google Account permissions page.
• Request deletion of your account and associated data by contacting us.
• Opt out of notifications via your device settings.

7Children's Privacy

Our app is not intended for children under the age of 18. We do not knowingly collect data from minors.

8Security

We implement appropriate technical and organizational measures to ensure a high level of data security, including:

• Secure OAuth 2.0 authentication
• Database encryption
• Role-based access control

9Usage Analytics and Logs

We monitor app performance and usage behavior using internal logging systems and tools like Azure Application Insights. These logs may capture:

• Timestamps of API requests
• Response durations and status codes
• Anonymized user identifiers (e.g., user ID only, no personal details)
• Diagnostic error messages (without personal data)

This data is used solely for improving app performance, troubleshooting issues, and ensuring reliability. No personally identifiable information is logged or shared.

11Changes to This Privacy Policy

We may update this Privacy Policy periodically. You will be notified of significant changes through the app or via email.