Trademark Notice: Perqly is not affiliated with, endorsed by, or sponsored by any bank, credit card company, or financial institution.
Information Accuracy: Credit card benefit information is provided for reference only. Always verify current benefits directly with your card issuer.
No Financial Advice: Perqly is a personal organization tool and does not provide financial advice, investment recommendations, or guarantees. Our AI assistant ("Perkie") is for informational purposes only.
AI-Generated Content: Our AI assistant uses artificial intelligence to provide responses. AI-generated information may contain errors and should not be relied upon for financial decisions.
User Responsibility: You are solely responsible for all financial decisions made using information from this app or its AI assistant.
Overview
Perqly ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy and Terms of Service explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
Information We Collect
Personal Information You Provide
Authentication Information:
Apple Sign-In: Apple user ID and optional name/email (you can hide your email)
Google Sign-In: Email address and basic profile information (alternative option)
Credit Card Benefit Data: Information about your credit cards and benefits that you manually enter
Usage Preferences: App settings, notification preferences, and customization choices
AI Chat Data:
Questions and messages you send to our AI assistant ("Perkie")
Credit card and financial benefit information shared in AI conversations
Chat history for context and improved responses
Information We Do NOT Collect
❌ Credit card numbers or account details (PCI compliance not required)
❌ Financial account access or transaction data
❌ SSN or sensitive financial identifiers
❌ Location data or tracking information
Automatically Collected Information
App Usage Analytics: Anonymous usage patterns via Firebase Analytics
Crash Reports: Technical error logs via Firebase Crashlytics
Device Information: iOS version, device model for compatibility
How We Use Your Information
Account Management: Authenticate identity and sync data across devices
App Functionality: Store and organize credit card benefit information
Calendar Integration: Sync expiration dates to calendar (with permission)
App Improvement: Analyze usage patterns and fix bugs
AI Assistant: Process your questions and provide personalized responses about credit card benefits and optimization
Information Sharing
We Do NOT Share Your Personal Data
❌ We do not sell your information to third parties
❌ We do not share your credit card data with banks
❌ We do not provide data to marketing companies
Limited Technical Sharing
Apple Sign-In: For secure, privacy-focused authentication (minimal data shared)
Google Sign-In: For authentication (alternative option)
Firebase: Anonymous analytics and crash reporting only
OpenAI (AI Assistant): When you use our AI assistant, your questions and relevant credit card data are sent to OpenAI to generate responses. OpenAI Privacy Policy
🤖 AI Data Processing Notice
What's Shared: Your chat messages, credit card benefits data, and spending patterns when you interact with our AI assistant
Purpose: To provide personalized responses about your credit card benefits and optimization opportunities
Third-Party: Data is processed by OpenAI's GPT models. OpenAI may retain data according to their privacy policy
Control: You can avoid this data sharing by not using the AI assistant feature
No Permanent Linking: Your conversations are not permanently linked to your personal identity in OpenAI's systems
Data Storage & Security
Data stored locally using Core Data with AES-256 encryption
No third-party servers storing your personal data
Zero-knowledge architecture - we cannot access your data
Security Measures
✅ AES-256 encryption for all stored data
✅ OAuth 2.0 security standards for authentication
✅ iOS security features and App Store review protection
✅ App sandboxing prevents unauthorized access
Your Privacy Rights
View Your Data: Access all stored information within the app
Delete Data: Remove individual cards/benefits or all data
Export Data: Export information in readable format
Account Deletion: Delete entire account and associated data
Opt-out: Disable notifications, calendar sync, or analytics