Privacy Policy | Card Finance Advice

This Privacy Policy is organized as follows. You may jump to any section:

1. Who We Are

This Privacy Policy is provided by Card Finance Advice ("Card Finance Advice," "Company," "we," "our," or "us"). Our website is CardFinanceAdvice.com.

Card Finance Advice operates CardFinanceAdvice.com, a personal finance editorial and comparison website that helps consumers find and compare financial products and services. We earn revenue through advertising and affiliate partnerships, including with Bankrate/Red Ventures, Taboola, and Google.

This Privacy Policy describes how we collect, use, share, and protect personal information obtained through CardFinanceAdvice.com and any related services, and explains the choices you have regarding your information. By using our Site, you agree to the practices described in this Privacy Policy.

The Site is intended solely for users located in the United States. We make no representation that the Site or any of our practices are appropriate or available for use outside the U.S.

2. Personal Information We Collect

A. Information You Provide Directly

We collect personal information that you voluntarily provide to us when you subscribe to our newsletter. This may include:

Email address (e.g., newsletter sign-up)

B. Information Collected Automatically

When you visit our Site, we and our third-party partners automatically collect certain information about your device and usage. This information is collected through cookies, web beacons, pixels, and similar tracking technologies, and may include:

Device identifiers and Internet Protocol (IP) address
Browser type, version, and language settings
Operating system and device type
Referring and exit URLs, and pages visited
Date and time of your visit and session duration
Clickstream data and interactions with our pages and advertisements
Approximate geographic location (derived from IP address)

C. Information from Third Parties

We may receive information about you from third-party advertising partners, data providers, and analytics providers, which may be combined with information we have collected directly. This includes behavioral and interest data used to serve targeted advertising.

D. Information We Do Not Intentionally Collect

We do not knowingly collect sensitive personal information such as Social Security numbers, government-issued ID numbers, financial account credentials, or precise geolocation data, except where you voluntarily provide such information to us.

We do not knowingly collect any personal information from individuals under the age of 18. Please see Section 11 (Children's Privacy) for more details.

E. Information Submitted Through Third-Party Lead Forms

Any lead forms, quote requests, or applications for financial products (e.g., insurance, banking, credit cards) that appear on the Site are hosted and processed entirely by our third-party advertising and affiliate partners. Card Finance Advice does not collect, receive, or store any personal or financial information you submit through those forms. Your interaction with those forms is governed solely by the privacy policy of the third-party partner.

3. How We Use Personal Information

We use the personal information we collect for the following purposes:

To operate and improve the Site, including personalizing your experience and analyzing site traffic and usage patterns
To respond to your inquiries, comments, or requests
To send you newsletters or marketing communications you have subscribed to (you may unsubscribe at any time)
To deliver targeted advertising based on your interests and browsing activity, in partnership with our advertising partners
To analyze audience demographics and behavior in aggregate for editorial and business planning purposes
To maintain the security and integrity of our Site and systems
To comply with applicable laws, regulations, and legal obligations
To protect the rights, property, and safety of the Company, our users, and the public
To facilitate business transactions such as mergers, acquisitions, or asset sales

Card Finance Advice is an advertising-supported publisher. We do not sell subscription access to our content. The primary commercial use of personal information on our Site is to deliver relevant advertising and to measure the performance of our advertising campaigns.

4. Cookies and Similar Technologies

A. What We Use

Our Site uses cookies, web beacons, pixel tags, JavaScript, and similar tracking technologies to collect information automatically about your visit. These technologies enable us to:

Recognize your browser or device across sessions
Analyze traffic and measure content performance
Deliver and measure the effectiveness of advertising
Remember your preferences
Enable social sharing and other third-party features

B. Types of Cookies

Essential cookies: Required for the Site to function. They cannot be disabled.

Analytics cookies: Help us understand how visitors interact with our Site (e.g., Google Analytics / GA4).

Advertising cookies: Used to deliver relevant ads and measure campaign performance (e.g., Google Ads, Taboola).

Third-party cookies: Set by our advertising and affiliate partners when you visit our Site.

C. Third-Party Analytics and Advertising Technologies

We use the following third-party services that may set cookies or collect data on our Site:

Google Analytics / GA4: Collects anonymized traffic and behavior data. Learn more at google.com/policies. To opt out: tools.google.com/dlpage/gaoptout
Google Ads (including Remarketing): Serves ads based on your prior visits to our Site using the Google DoubleClick cookie. To opt out: support.google.com/ads/answer/2662922
Taboola: Our native advertising platform that serves recommended content and ads. Taboola may collect browsing data to personalize recommendations. To opt out, visit Taboola's opt-out page at taboola.com/privacy-policy.

D. Your Cookie Choices

Most web browsers allow you to control cookies through browser settings. You can also opt out of interest-based advertising through:

Network Advertising Initiative opt-out: optout.networkadvertising.org
Digital Advertising Alliance opt-out: optout.aboutads.info
Google opt-out: tools.google.com/dlpage/gaoptout
Taboola opt-out: See Taboola's privacy policy at taboola.com

Please note that restricting cookies may affect the functionality of certain features on our Site. Our Site does not currently respond to browser Do Not Track (DNT) signals, as no uniform industry standard for DNT compliance has been adopted.

Card Finance Advice honors Global Privacy Control (GPC) signals. If your browser or browser extension transmits a GPC signal indicating an opt-out preference, we will treat that signal as a request to opt out of the sale or sharing of your personal information for cross-context behavioral advertising purposes, consistent with applicable California law. Please note that GPC opt-outs apply on a per-browser and per-device basis.

A. Advertising and Affiliate Partners

As an advertising-supported publisher, we share data with advertising and affiliate partners to deliver targeted advertising and to measure campaign performance. Our primary advertising and affiliate partners include Google, Taboola, and Bankrate/Red Ventures. When you click on an advertiser's link or offer on our Site, you may be transferred to a partner's website, and data about your visit and interaction may be shared with that partner consistent with their privacy policy.

B. Service Providers

We may share personal information with third-party service providers who assist us in operating the Site, conducting analytics, managing email communications, or providing IT and security support. These service providers are authorized to use your information only as necessary to provide services to us.

C. Legal and Compliance

We may disclose personal information to comply with applicable laws, regulations, court orders, or governmental requests; to enforce our Terms of Use or protect our rights; or to respond to claims that content on the Site violates third-party rights.

D. Business Transfers

In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, personal information may be transferred to the acquiring entity. We will provide notice before personal information is transferred and becomes subject to a different privacy policy.

E. With Your Consent

We may share personal information for other purposes with your explicit consent or at your direction.

F. What We Do Not Do

We do not sell or rent your email address or contact information to unaffiliated third parties for their own direct marketing purposes without your consent. Advertising data sharing described above is conducted through industry-standard ad technology platforms, not through direct list sales.

6. Advertising Partners and Third-Party Tracking

Card Finance Advice is an advertising-supported publisher. We earn compensation when users click on links to financial products or services offered by our advertising partners, including through cost-per-click, cost-per-lead, and revenue-sharing arrangements. Our primary advertising and affiliate partners include Bankrate/Red Ventures, Google, and Taboola.

These third-party partners may use cookies, pixels, and similar technologies to collect information about your browsing activity on our Site and across other websites in order to serve you relevant advertising. The data practices of these third parties are governed by their own privacy policies, which we encourage you to review:

Google: policies.google.com/privacy
Taboola: taboola.com/privacy-policy
Bankrate/Red Ventures: bankrate.com/privacy

Card Finance Advice does not control and is not responsible for the privacy practices of third-party advertising partners. You can opt out of interest-based advertising from many of these partners through the Digital Advertising Alliance (optout.aboutads.info) or the Network Advertising Initiative (optout.networkadvertising.org).

7. How We Protect Your Information

We use commercially reasonable technical and organizational measures to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. These measures include:

Limiting access to personal information to authorized personnel with a legitimate business need
Using encryption for transmission of sensitive information
Maintaining security controls for our systems and data infrastructure

While we implement reasonable safeguards, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security of your information, and your use of the Site is at your own risk.

Our Site may contain links to third-party websites. The privacy practices of those websites are not covered by this Privacy Policy. We are not responsible for the content or privacy practices of any linked third-party sites.

8. Your Privacy Rights (All Users)

Regardless of your state of residence, you have the following options with respect to your personal information:

A. Email Opt-Out

If you receive marketing emails from us, you may unsubscribe at any time by clicking the "Unsubscribe" link at the bottom of any marketing email or by contacting us at support@cardfinanceadvice.com.

B. Cookie Opt-Out

You may opt out of interest-based advertising cookies as described in Section 4(D) above.

C. Access and Deletion Requests

You may submit a request to access or delete personal information we hold about you by contacting us using the information in Section 13 (Contact Us). We will respond to verifiable requests within the timeframe required by applicable law.

D. Do Not Track

Our Site does not currently respond to browser Do Not Track signals. You may still exercise opt-out rights through the mechanisms described in Section 4(D).

E. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by applicable law. In general:

Newsletter email addresses: retained for the duration of your subscription and up to 12 months after unsubscribe
Analytics and behavioral data collected via cookies: retained per the default retention periods of our third-party analytics providers (e.g., Google Analytics data is retained for 14 months by default)
Server log data (IP addresses, access logs): retained for up to 12 months

When personal information is no longer needed, we delete or anonymize it. You may request deletion of your personal information at any time as described in this Section.

F. Data Deletion Requests for Partner Websites

Card Finance Advice does not collect or store the personal information you submit on our partners' websites. When you select an offer or service on Card Finance Advice, you may be redirected to a third-party partner's website, where any personal information you choose to provide is collected and managed directly by that partner.

If you have submitted your personal information to one of our partners and would like to request its deletion, opt out of the sale or sharing of your personal information, or exercise other applicable privacy rights, please contact that partner directly through the privacy information on their website. You can also reach us at support@cardfinanceadvice.com and we will help point you in the right direction.

Please note that privacy requests regarding information submitted directly to a partner should be made to that partner.

If you have any questions or are unsure about how to proceed with your privacy or data deletion request, please feel free to contact us at support@cardfinanceadvice.com.

9. California Privacy Notice (CCPA/CPRA)

This section applies to residents of California and supplements the rest of this Privacy Policy.

A. Categories of Personal Information Collected

In the past 12 months, we have collected the following categories of personal information from California residents:

Identifiers (email address, IP address, cookie identifiers)
Internet or electronic network activity information (browsing history, interaction with our Site and advertisements)
Geolocation data (approximate location derived from IP address)
Inferences drawn from other information to create a profile about a user

We collect this information for the purposes described in Section 3 (How We Use Personal Information).

B. Sale and Sharing of Personal Information

Under the CCPA/CPRA, certain disclosures of personal information to advertising partners for cross-context behavioral advertising constitute "sharing" of personal information. In the past 12 months, we may have shared the following categories of personal information with advertising partners for cross-context behavioral advertising: identifiers (such as cookie IDs and IP addresses) and internet or electronic network activity information.

We do not sell personal information (as defined by the CCPA/CPRA) in exchange for monetary compensation. We do not sell or share the personal information of consumers we know to be under 18 years of age.

C. Your California Privacy Rights

California residents have the right to:

Know: Request disclosure of the categories and specific pieces of personal information we have collected about you
Delete: Request deletion of personal information we have collected, subject to certain exceptions
Correct: Request correction of inaccurate personal information
Opt Out of Sharing: Opt out of the sharing of your personal information for cross-context behavioral advertising
Non-Discrimination: Not receive discriminatory treatment for exercising your privacy rights

D. How to Exercise Your California Rights

To exercise any of the above rights, you may:

Submit a request by email to: support@cardfinanceadvice.com
Select the "Do Not Sell or Share My Personal Information" link in the footer of any page on our Site
Submit a request via our Contact page

We will respond to verifiable requests within 45 days, with one possible extension of an additional 45 days where reasonably necessary. To protect your information, we may verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf, subject to identity verification requirements.

10. Other U.S. State Privacy Rights

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Florida (FDBR), and other states with consumer data privacy laws have rights similar to those described in Section 9, including the right to:

Access and know the personal information we have collected about you
Correct inaccurate personal information
Delete personal information, subject to certain exceptions
Opt out of the processing of your personal information for targeted advertising or sharing for cross-context behavioral advertising
Not receive discriminatory treatment for exercising your rights

To exercise any of these rights, please contact us at support@cardfinanceadvice.com. We will respond to verifiable requests within the timeframe required by your state's law.

11. Children's Privacy

Our Site is intended for general audiences and is not directed at children under the age of 18. We do not knowingly collect personal information from individuals under 18. If we learn that we have inadvertently collected personal information from an individual under 18, we will take steps to delete that information as soon as possible.

If you believe a child under 13 may have provided personal information to us, please contact us at support@cardfinanceadvice.com.

12. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time. When we make a material change, we will update the "Last Updated" date at the top of this page and, where appropriate, post a prominent notice on our Site. Your continued use of the Site after any such changes constitutes your acceptance of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about our information practices.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, or if you would like to exercise your privacy rights, please contact us at:

Email: support@cardfinanceadvice.com

You can also use our Contact page.