Privacy Policy
Effective date: March 12, 2026
1. Who We Are
PennySwiper ("we," "us," or "our") operates the website at pennyswiper.com — a free credit card rewards comparison tool. This Privacy Policy describes how we handle information when you use our site.
2. Information We Collect
We do not require you to create an account or provide any personal information to use PennySwiper.
We may collect the following non-personal, anonymized data automatically when you visit:
- Usage data: Pages visited, search queries entered (e.g., "Target", "Amazon"), time spent on site, browser type, and device type — collected via analytics tools in aggregate, anonymized form
- Referral data: The URL or source that brought you to the site (for understanding traffic sources)
- IP address: May be logged by our hosting provider for security and performance purposes. We do not use IP addresses to identify individuals.
3. Cookies and Tracking
PennySwiper uses cookies and similar tracking technologies for the following purposes:
- Analytics cookies: We may use analytics services (such as Google Analytics or similar) to understand how visitors use our site in aggregate. These cookies do not identify you personally.
- Affiliate tracking cookies: When you click an "Apply Now" link on PennySwiper, a tracking cookie may be set by our affiliate network partners (CJ Affiliate, Impact, or the card issuer). This cookie allows the affiliate network to credit PennySwiper with a commission if you apply for and are approved for a card. These cookies are standard practice for affiliate-linked sites and are required for us to receive compensation.
You can manage or disable cookies through your browser settings. Note that disabling affiliate tracking cookies does not affect your ability to apply for a card — it only means we may not receive a commission for the referral.
4. How We Use Information
The data we collect is used only to:
- Understand site usage and improve the product
- Diagnose technical issues
- Measure which stores are searched most frequently
- Track affiliate commissions (see above)
We do not use this data for targeted advertising, profiling, or any purpose beyond operating and improving PennySwiper.
5. Information Sharing
We do not sell, rent, or trade your information. We may share data with:
- Affiliate networks (CJ Affiliate, Impact): Affiliate tracking cookies are placed by these third-party networks when you click an affiliate link. Their data practices are governed by their own privacy policies. We encourage you to review them:
- Service providers: We may use third-party services for hosting, analytics, or infrastructure. These providers only access data necessary to perform their services and are not permitted to use it for other purposes.
- Legal obligations: We may disclose data when required by law or to protect the rights and safety of PennySwiper and its users.
6. Third-Party Links
PennySwiper contains links to credit card application pages operated by card issuers and affiliate networks. Once you leave our site, your use of those pages is governed by their own privacy policies. We are not responsible for the privacy practices of third-party sites.
7. Children
PennySwiper is not directed at children under 13 and we do not knowingly collect any information from children. If you believe a child has provided personal information through our site, please contact us and we will promptly delete it.
8. Data Security
Since we do not collect personal data, there is minimal data to secure. Our site is served over HTTPS. Any analytics data we collect is stored by our analytics provider and handled according to their security standards.
9. Changes to This Policy
We may update this Privacy Policy from time to time. If we make material changes, we will update the effective date at the top of this page. Continued use of PennySwiper after changes constitutes acceptance of the updated policy.
10. Contact Us
Questions about this Privacy Policy? Email us at support@pennyswiper.com.