Privacy Policy

1. Information We Collect

We collect the following categories of information:

• Account information — your name, email address, and authentication data, managed through our identity provider (Clerk).
• Financial connectivity data — when you link a financial account, our provider Plaid securely retrieves card and account details (such as card name, issuer, last four digits, balances, credit limits, and reward-relevant metadata). We do not receive or store your bank login credentials; those are handled by Plaid.
• Usage data — simulations you run, offers you add, recommendations shown, and similar activity within the Service.
• Billing data — subscription status and customer identifiers. Card and payment details are collected and stored by Stripe, not by Fuse.
• Technical data — IP address, device and browser information, and log data used for security and reliability.

2. How We Use Information

• to provide, maintain, and improve the Service, including reward recommendations;
• to process subscriptions and billing;
• to send transactional and, where permitted, product communications;
• to secure the Service, detect abuse, and maintain audit records of sensitive actions;
• to comply with legal obligations.

3. How We Share Information

We do not sell your personal information. We share information only with service providers that help us operate the Service, under contractual confidentiality and security obligations, including:

• Plaid — financial account connectivity;
• Stripe — payment processing and billing;
• Clerk — authentication and account management;
• Resend — transactional and notification email delivery;
• Hosting & infrastructure providers — to run the Service.

We may also disclose information to comply with law, enforce our Terms, or protect the rights, property, or safety of Fuse and our users.

4. Data Retention

We retain your information for as long as your account is active or as needed to provide the Service. When you delete your account, we delete your personal data and associated records (linked cards, simulations, offers, and history), except where retention is required for legal, security, or fraud-prevention purposes.

5. Security

We use industry-standard safeguards, including encryption in transit, access controls, and reliance on vetted providers (Plaid, Stripe, Clerk) for the most sensitive data. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Your Rights & Choices

• Access & update — view and edit your profile from Settings.
• Delete — permanently delete your account and data from Settings → Danger Zone.
• Email preferences — opt out of marketing and savings emails from Settings → Notifications or via the unsubscribe link in any such email. Account and billing notices may still be sent.
• Disconnect financial accounts — unlink cards at any time, which stops further data collection from those accounts.

Depending on where you live, you may have additional rights under laws such as the GDPR or CCPA. To exercise them, contact privacy@getfuse.app.

7. Cookies

We use cookies and similar technologies for authentication, security, and to remember your preferences. You can control cookies through your browser settings, though some features may not function without them.

8. Children's Privacy

The Service is not directed to children under 18, and we do not knowingly collect personal information from them. If you believe a child has provided us information, contact us and we will delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will provide notice through the Service or by email. The “Last updated” date above reflects the most recent revision.

10. Contact

Questions or requests regarding your privacy? Contact us at privacy@getfuse.app.