Privacy Policy – Wise Credit Card Consumer

1. Who we are

Our website address is: https://wisecreditcardconsumer.com

Wise Credit Card Consumer (“we,” “our,” or “us”) is committed to protecting
your privacy. This Privacy Policy explains how we collect, use, disclose, and
safeguard your information when you visit our website (wisecreditcardconsumer.com),
including any mobile variants or related email newsletters (such as our VIP Membership).
Please read this policy carefully. If you do not agree with the terms of this
privacy policy, please do not access the site.

2. Information We Collect

We may collect information about you in a variety of ways. The information
we may collect on the Site includes:

Personal Data: Personally identifiable information, such as your name and
email address, that you voluntarily give to us when you choose to participate
in our “VIP Membership” or subscribe to our newsletters.

Derivative Data: Information our servers automatically collect when you access
the Site, such as your IP address, your browser type, your operating system,
your access times, and the pages you have viewed directly before and after
accessing the Site.

Financial Data: We do NOT collect or store credit card numbers, credit scores,
or banking passwords. Any interactions with financial products occur strictly
on the third-party platforms of our partnered card issuers.

3. Use of Your Information

Having accurate information about you permits us to provide you with a smooth,
efficient, and customised experience. Specifically, we may use information
collected about you via the Site to:

Administer your free trial and manage your VIP membership account.

Deliver targeted financial deals, newsletter content, and promotional offers.

Send you automated email updates via our email partner, EmailOctopus.

Monitor and analyse usage trends to improve user experience.

Respond to customer service requests and product inquiries.

4. Third Party Disclosures & Affiliate Links

Our website contains affiliate links to external banking institutions and credit
card issuers via affiliate networks.

Third-Party Service Providers: We share data with our email service provider
(EmailOctopus) solely to distribute our newsletter. We do not sell or rent
your personal data to any third-party marketing companies.

External Web Links: Once you click an external link to apply for a credit
card, you leave our site. We are not responsible for the privacy practices,
terms, or tracking cookies deployed by external financial brands.

5. Cookies and Tracking Technologies

We may use cookies, web beacons, tracking pixels, and other tracking technologies
on the Site to help customise the Site and improve your experience. When you access
the Site, your personal information is not collected through the use of tracking
technology. Most browsers are set to accept cookies by default. You can remove or
reject cookies, but be aware that such action could affect the availability and
functionality of the Site.

6. Data Security

We use administrative, technical, and physical security measures to help protect
your personal information. While we have taken reasonable steps to secure the
personal information you provide to us, please be aware that despite our efforts,
no security measures are perfect or impenetrable, and no method of data transmission
can be guaranteed against any interception or other type of misuse.

7. Your Data Rights and Opt-Out

You may at any time review or change the information in your account or terminate
your VIP membership subscription by:

Clicking the “Unsubscribe” link located at the bottom of any automated email
sent to you via EmailOctopus.

Contacting us directly using the contact methods provided on our website.

8. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:
admin@wisecreditcardconsumer.com

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

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

admin@wisecreditcardconsumer.com

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