Privacy Policy
PRIVACY POLICY
Last Updated: September 21, 2026**
1. Introduction
Welcome to RECAP, operated by Fall Line Design Studios ("we," "our," or "us"). We are committed to protecting your privacy while helping you track and maximize your credit card benefits. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (the "App") and website.
Please read this policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access or use the App.
2. Information We Do NOT Collect
To give you complete peace of mind, Recap is designed to track credit card benefits without linking directly to your financial accounts.
We do not ask for, collect, or store your online banking credentials or full credit card numbers. Please do not enter these details in notes or other free-text fields.
We do not process financial transactions or access your credit card statements.
3. Account and Tracker Data We Collect
We collect information necessary to deliver, synchronize, and personalize the App experience:
**Account & Authentication Data:** We use Clerk to manage account registration, sign-in, and account security. When you create an account or log in, Clerk processes your email address, authentication identifiers, and credentials required for your chosen sign-in method.
**Tracker Data:** We store the credit card products you select, optional last four digits of your cards, annual fees and renewal dates, benefit settings, usage and redemption records (including amounts, dates, and notes), and preferences such as reminder settings. Records may be entered manually or created by automatic logging features you enable.
**Server-Side Storage:** This tracker data is stored in our server-side database hosted through Replit and associated with your account so your saved data can be retrieved when you sign in across your devices.
**Support & Operational Data:** If you contact us, we receive the information you include in your inquiry. Our server records operational information such as request identifiers, requested URL paths, and response statuses to help operate and troubleshoot the service.
4. How We Use Your Information
We use the collected data to:
- Set up, maintain, and secure your personal user account.
- Display your customized benefit dashboard and calculate portfolio value.
- Schedule local device notifications before statement credits or perks expire (when enabled).
- Manage your preferences and respond to customer support inquiries.
- Operate, secure, and troubleshoot the service.
5. Notifications
Recap schedules expiration reminders locally on your device using native operating system notification features. We do not use third-party remote push notification delivery services for these reminders. Your reminder preference is saved with your account; notification permissions and scheduled reminders are managed on each device.
6. Service Providers
We value your trust and do not sell, rent, or trade your personal information to third parties for marketing or advertising purposes. We share necessary data with infrastructure service providers to operate the App:
**Authentication:** Clerk handles user sign-in, security, and account management.
**Backend Hosting & Database:** Replit hosts our server infrastructure and primary database where your account-linked tracker data is stored.
**Legal Obligations:** We may disclose information if required to do so by law or in response to valid requests by public authorities.
7. Data Security
We use safeguards, including HTTPS/TLS encryption in transit and authenticated access to account data, to help protect your personal information against unauthorized access, loss, or misuse. No method of transmission or storage is completely secure.
8. Account Deletion & Data Retention
We retain your personal information only for as long as your account is active or as needed to provide you with the App’s services.
You can request deletion of your account and associated data at any time directly inside the App by navigating to Settings > Account > Delete Account, or by contacting us at info@outsmartyourfees.com.
When account deletion completes:
- Your Clerk authentication account is deleted.
- Your active card selections, benefit settings, redemption logs, notes, and other tracker data are removed from our active server-side account record.
- To prevent deleted data from being improperly recreated, we retain a minimal record containing your account identifier, deletion status, timestamps, and a record revision number. This record does not retain your tracker content.
- If a deletion step fails, the App reports the failure so you can retry or contact support.
Deletion from active account storage does not necessarily immediately remove copies from infrastructure backups or operational logs. Any remaining copies are subject to the applicable service providers' retention processes and legal obligations.
9. Children's Privacy
The App is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 13 has provided us with personal data, we will take immediate steps to delete it.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this policy and, where appropriate, providing in-app notifications.
11. Contact Us
If you have questions or concerns regarding this Privacy Policy, please contact us at:
Email: info@outsmartyourfees.com