Privacy Policy

1. Introduction

At pointsIQ ("we," "our," or "us"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit card points tracking and optimization platform.

By using our service, you consent to the data practices described in this policy. If you do not agree with our policies and practices, please do not use our service.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

  • Name and contact information (email address, phone number)
  • Account credentials for credit card and loyalty programs
  • Demographic information (country, preferences)
  • Communication preferences and marketing consent

2.2 Financial Information

To provide our services, we may access:

  • Credit card points balances and transaction history
  • Loyalty program membership details
  • Redemption history and preferences
  • Card issuer and program information

Important: We do not store your credit card numbers, banking passwords, or PINs.

2.3 Technical Information

We automatically collect:

  • Device information (IP address, browser type, operating system)
  • Usage data (pages visited, features used, time spent)
  • Cookies and similar tracking technologies
  • Error logs and performance data

3. How We Use Your Information

We use the collected information for the following purposes:

  • Service Provision: To provide and maintain our points tracking and optimization services
  • Personalization: To customize your experience and provide relevant recommendations
  • Communication: To send you updates, notifications, and marketing materials (with your consent)
  • Analytics: To analyze usage patterns and improve our service
  • Security: To protect against fraud, abuse, and security threats
  • Compliance: To comply with legal obligations and regulatory requirements

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in:

  • Hosting and maintaining our platform
  • Processing payments and transactions
  • Providing customer support
  • Conducting analytics and research

4.2 Legal Requirements

We may disclose your information if required by law or in response to:

  • Valid legal requests from government authorities
  • Court orders or subpoenas
  • Protection of our rights, property, or safety
  • Prevention of fraud or security threats

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

5. Data Security

We implement comprehensive security measures to protect your information:

  • Encryption: All data is encrypted in transit and at rest using industry-standard protocols
  • Access Controls: Strict access controls and authentication mechanisms
  • Regular Audits: Regular security assessments and vulnerability testing
  • Employee Training: Ongoing security training for all employees
  • Incident Response: Procedures for detecting and responding to security incidents

6. Data Retention

We retain your information for as long as necessary to:

  • Provide our services to you
  • Comply with legal obligations
  • Resolve disputes and enforce agreements
  • Improve our services

You may request deletion of your account and associated data at any time.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

  • Access: Request a copy of your personal information
  • Correction: Update or correct inaccurate information
  • Deletion: Request deletion of your personal information
  • Portability: Request transfer of your data to another service
  • Objection: Object to certain processing activities
  • Withdrawal: Withdraw consent for marketing communications

To exercise these rights, please contact us at support@pointsiq.co

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Provide personalized content and recommendations
  • Improve our service performance

You can control cookie settings through your browser preferences.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with applicable laws.

10. Children's Privacy

Our service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

  • Posting the updated policy on our website
  • Sending email notifications to registered users
  • Displaying prominent notices on our platform

Your continued use of our service after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

Email: support@pointsiq.co
Website: https://pointsiq.co

We will respond to your inquiry within 30 days.

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