Spur · Privacy

What we don't do.

We don't ask for your card numbers. You tell us which cards you carry, like "Chase Sapphire Reserve", not the actual 16-digit numbers. Those stay between you and your bank.
We don't take a cut of your points or cashback. Your rewards go straight from your bank to you, like they always have. We never touch them.
We don't sell, share, rent, or trade your data. Not to advertisers, not to data brokers, not to anyone. Full stop.
We don't track you around the internet. No Facebook pixels, no Google ads scripts, no third-party trackers following you off our site.
We don't spam. One email when there's a beta spot for you. No marketing blasts, no newsletter unless you ask for it.

What we do collect.

When you join the waitlist, we collect what you tell us in the form: your email (required), and optionally your name, the cards you carry, and why you want in. That's the full list at this stage.

Once the app ships, Spur stores the cards you've added so we can match them to category bonuses, plus your approximate location at the moment of a recommendation so we can pick the best card for where you are.

How we count visits.

We use Vercel Web Analytics and Vercel Speed Insights on this site. Both are first-party and cookieless — no third-party tracking pixels, no Facebook, no Google ads scripts, nothing that follows you off our site.

What we count, in plain English:

Page views — which pages were loaded, by region and device class (not who you are).
Clicks on the waitlist or beta button — so we know which page convinced you.
Whether the form was submitted, errored, or duplicate — never the email you typed.
Whether you shared a referral link — never who you shared it with.

We honor the Global Privacy Control signal — if your browser sends it, we don't count your visit.

If you connect Plaid (totally optional).

Spur works either way. If you want better, personalized recommendations, you can optionally connect your accounts via Plaid, a regulated financial-data provider used by most of the apps you already trust. Plaid lets Spur see which categories you actually spend in, so we recommend the card that earns most for your real life, not a generic one.

You're in control:

It's opt-in. Skip Plaid and Spur still works. You just won't get the personalized layer on top of category-bonus matching.
Disconnect anytime. You can revoke the connection from inside the app or directly through Plaid's portal. Once you do, the spending data goes with it.
We don't sell what Plaid gives us. It powers your recommendations. That's the only thing it does.

How long we keep it.

Until you tell us to delete it. Email contact@spur.cards with the subject "delete my data" and we'll wipe your record. No forms, no support tickets, no friction. Usually within 48 hours.

If anything changes.

A full, lawyer-reviewed policy will go up before the app launches publicly. If anything material changes about how we handle your data, we'll email everyone on the waitlist before it takes effect, not after.