Privacy Policy for PaySmarter

Last Updated: June 2026

At PaySmarter ("we," "our," or "us"), we believe that maximizing your credit card rewards shouldn't come at the cost of your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our website (paysmarter.in) and our web application.

Our core philosophy is simple: We only collect what we absolutely need to give you the best card recommendations. Nothing more.

1. The Data We Do NOT Collect (The Important Stuff)

Let’s get this out of the way first. Because we are a recommendation engine and not a payment gateway, we never ask for, collect, or store:

• Your 16-digit credit card numbers
• CVV codes or expiry dates
• Bank account numbers or login credentials
• OTPs (One-Time Passwords) shared by financial institutions including banks
• Your actual payment routing information

2. Information We Do Collect

To make PaySmarter work magically for you, we collect a few basic pieces of information:

• Account Information: When you create an account, we securely store your email address, name, and basic profile information via our authentication provider.
• Your Card Portfolio (Names Only): We save the names of the credit cards you manually add to your profile (e.g., "HDFC Millennia," "ICICI Sapphiro"). This allows our engine to personalize recommendations for you.
• Search Queries: When you use our tool, we process the transaction amounts and optional merchant names you enter to calculate your rewards.
• Usage & Analytics Data: We use standard analytics tools to understand how visitors interact with our website. This includes anonymous data like browser type, time spent on the site, and general geographic location.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the PaySmarter recommendation engine.
• Save your card portfolio so you don't have to re-enter it every time you log in.
• Analyze user trends to fix bugs and build better features.
• Communicate with you regarding account updates or changes to our service.

4. How We Protect Your Data

Your data is stored securely using industry standard infrastructure for database and authentication. We implement strict security measures to prevent unauthorized access, alteration, or destruction of your basic account data.

5. Sharing Your Information

We do not sell your personal data to third parties, advertisers, or marketers. We only share information with trusted third-party service providers (like our hosting and database providers, e.g., Google/Firebase) strictly for the purpose of running the PaySmarter platform. These providers are bound by their own strict data protection standards.

6. Your Rights and Choices

You have complete control over your data. At any time, you can:

• Log into your account and edit or remove the credit cards in your portfolio.
• Request the complete deletion of your PaySmarter account and all associated data by contacting us directly.

7. Changes to This Privacy Policy

As we add new features or as banks update their technologies, we may update this policy. If we make significant changes, we will let you know by updating the date at the top of this page.

8. Contact Us

If you have any questions, concerns, or just want to chat about maximizing reward points, we’d love to hear from you.

Email us at: read.wisdomwings@gmail.com