Last Updated: January 1, 2025
This Privacy Policy describes how InvestorCard ("we," "us," or "our") collects, uses, and protects information gathered through our website at investorcard.io (the "Site"). By using our Site, you agree to the practices described in this policy.
Affiliate Disclosure
InvestorCard is a financial comparison and affiliate marketing website. We earn commissions when visitors apply for and are approved for financial products featured on our site, including credit cards. This is how we fund our operations and keep this resource free to users.
Our affiliate relationships are with card issuers and financial institutions including but not limited to Chase, American Express, Capital One, Bank of America, Wells Fargo, and Brex, as well as affiliate networks that represent these institutions.
What this means for you:
- When you click "Apply Now" and complete an application, we may receive a referral commission
- This commission is paid by the card issuer — it does not cost you anything extra
- Our affiliate relationships do NOT determine our card rankings or editorial opinions
- We strive to provide accurate, unbiased information to help you make the best decision
- Card terms, rates, and offers change frequently — always verify current terms on the issuer's website
This disclosure is made in compliance with the FTC's guidelines on endorsements and testimonials (16 C.F.R. § 255).
Information We Collect
Information You Provide
We collect information you voluntarily provide, such as:
- Email addresses if you sign up for our newsletter or contact us
- Quiz responses (stored locally in your browser, not sent to our servers)
- Contact form submissions
Automatically Collected Information
When you visit our Site, we automatically collect:
- IP address and approximate location (city/region level)
- Browser type and version
- Pages visited and time spent on pages
- Referring URLs
- Device type (desktop, mobile, tablet)
- Click data, including affiliate link clicks
Cookies and Tracking Technologies
We use cookies and similar tracking technologies for:
- Analytics — Understanding how users interact with our site (Google Analytics)
- Affiliate tracking — Tracking clicks and conversions for our affiliate partners
- Performance — Site speed and optimization
- Preferences — Remembering your filter and quiz settings
You can control cookies through your browser settings. Disabling cookies may affect site functionality.
How We Use Your Information
We use collected information to:
- Operate and improve the Site
- Track affiliate link performance and commissions
- Analyze traffic patterns and user behavior
- Respond to your inquiries
- Send newsletters (if you've opted in)
- Comply with legal obligations
Information Sharing
We do not sell your personal information. We may share information with:
- Card issuers and affiliate networks — Limited data for tracking affiliate conversions
- Analytics providers — Google Analytics and similar services (anonymized)
- Service providers — Hosting, email, and other operational vendors under confidentiality agreements
- Legal authorities — When required by law or court order
When you click "Apply Now," you are redirected to the card issuer's website. That issuer's own privacy policy governs your information from that point forward.
Important Disclaimers
- No Approval Guarantee: InvestorCard does not guarantee credit card approval. All credit decisions are made solely by the card issuers based on their own criteria.
- Not Financial Advice: Content on this site is for informational purposes only and does not constitute financial, legal, or investment advice.
- Accuracy: We strive to maintain accurate information but card terms, rates, and offers change frequently. Always verify current terms directly with the issuer before applying.
- Credit Impact: Applying for a credit card results in a hard inquiry on your credit report, which may temporarily lower your credit score.
Your Rights
Depending on your location, you may have rights to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal retention requirements)
- Opt out of marketing communications
- Lodge a complaint with your local data protection authority
Data Security
We implement reasonable technical and organizational measures to protect your information. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.
Children's Privacy
This Site is not directed at children under 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us for deletion.
Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes constitutes acceptance of the updated policy.
Governing Law
This Privacy Policy is governed by the laws of the State of Ohio, without regard to conflict of law provisions.