Privacy Policy

Last updated: March 18, 2026

PointU ("we," "us," or "our") operates the website getpointu.com (the "Service"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our Service.

1. Information We Collect

Account Information: When you create an account, we collect your first name, email address, and password. Passwords are encrypted and stored securely through our authentication provider, Supabase.

Quiz Responses: When you take our Card Finder quiz, we collect your answers (spending categories, monthly spend range, banking preference, credit history, financial goals, and study abroad plans) to generate personalized card recommendations.

Financial Data via Plaid: If you choose to connect a bank account or credit card, we use Plaid Inc. to securely access your transaction data. We receive:

• Transaction history (merchant name, amount, date, and category)
• Card information (card name, institution, and last four digits)
• A secure access token to retrieve updated transaction data

We do not receive or store your bank login credentials. Plaid handles all authentication directly. For more information, see Plaid's Privacy Policy.

Usage Data: We use Google Analytics to collect anonymized usage data such as pages visited, time on site, and device type. This data is not linked to your personal identity.

2. How We Use Your Information

We use the information we collect to:

• Provide personalized credit card recommendations based on your spending
• Calculate your Financial GPA and spending insights on the dashboard
• Suggest better card options based on your spending patterns
• Maintain and improve the Service
• Communicate with you about your account

3. How We Share Your Information

We do not sell your personal information. We share data only with the following service providers who help us operate the Service:

• Supabase: Authentication and database hosting
• Plaid: Secure bank account and card connection
• Netlify: Website hosting and serverless functions
• Google Analytics: Anonymized usage analytics

We may also share information if required by law or to protect the rights and safety of PointU and its users.

4. Affiliate Links

PointU contains affiliate links to credit card application pages. When you click "Apply Now" and are approved for a card, we may earn a commission from the card issuer. This compensation never influences our card recommendations — our matching algorithm is based solely on your spending profile and financial goals.

5. Data Security

We implement industry-standard security measures to protect your data:

• All data is transmitted over HTTPS (TLS encryption)
• Passwords are hashed and never stored in plain text
• Bank credentials are handled exclusively by Plaid and never touch our servers
• Database access is controlled by row-level security policies
• Plaid access tokens are stored securely and used only to retrieve your transaction data

6. Data Retention

We retain your account data and quiz results for as long as your account is active. Transaction data is refreshed periodically and older transactions may be aggregated into monthly summaries. You can request deletion of your account and all associated data at any time by contacting us.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your account and data
• Disconnect your linked bank accounts at any time
• Opt out of Google Analytics tracking using browser extensions

8. Children's Privacy

PointU is intended for users who are at least 18 years old. We do not knowingly collect information from anyone under 18. If we learn we have collected data from a minor, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of material changes by updating the "Last updated" date at the top of this page. Continued use of the Service after changes constitutes acceptance of the updated policy.

10. Contact Us

Terms of Service

Last updated: March 18, 2026

Welcome to PointU. By accessing or using getpointu.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use PointU. By creating an account, you represent that you meet these requirements.

2. Account Registration

To access certain features, you must create an account with a valid email address and password. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Please notify us immediately if you suspect unauthorized access.

3. Description of Service

PointU provides personalized credit card recommendations, financial education content, spending analysis tools, and a Financial GPA dashboard. Our recommendations are generated by an algorithm based on the information you provide and are intended as informational guidance only.

4. Not Financial Advice

PointU is not a financial advisor, credit counselor, or lender. The card recommendations, Financial GPA scores, spending insights, and educational content provided through the Service are for informational purposes only and do not constitute financial, investment, tax, or legal advice. You should consult a qualified financial professional before making credit or financial decisions. We do not guarantee approval for any credit card.

5. Third-Party Services

PointU integrates with third-party services including:

• Plaid: Used to connect your bank accounts and retrieve transaction data. Your use of Plaid is subject to Plaid's End User Privacy Policy.
• Card Issuers: "Apply Now" links direct you to credit card issuer websites. Your application and any resulting card agreement are between you and the issuer. PointU is not a party to those agreements.

6. Affiliate Disclosure

PointU earns commissions when users apply for and are approved for credit cards through our affiliate links. This compensation does not influence our recommendation algorithm, which is based solely on user-provided spending data and financial goals.

7. Acceptable Use

You agree not to:

• Provide false or misleading information in your account or quiz responses
• Use the Service for any unlawful purpose
• Attempt to access other users' accounts or data
• Scrape, copy, or reproduce any part of the Service without permission
• Interfere with the operation or security of the Service
• Use automated tools (bots, scrapers) to access the Service

8. Intellectual Property

All content on PointU — including text, design, logos, graphics, code, the Financial GPA methodology, and card recommendation algorithm — is the property of PointU and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure. Card information, reward rates, and other financial details displayed on PointU are believed to be accurate but may change without notice. Always verify current terms directly with card issuers before applying.

10. Limitation of Liability

To the maximum extent permitted by law, PointU and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to: credit card application denials, financial losses, data breaches at third-party providers, or reliance on information provided through the Service.

11. Account Termination

You may delete your account at any time by contacting us. We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

12. Changes to These Terms

We may update these Terms from time to time. Material changes will be indicated by updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by the laws of the State of Wisconsin, without regard to conflict of law principles.

14. Contact Us