Privacy Policy

1. Who We Are

Earnwell is an independent financial information and referral website operated as a sole proprietorship. We are not a bank, credit card issuer, or licensed financial advisor. Our website provides informational tools and recommendations to help business owners identify credit card rewards opportunities.

For questions about this policy, contact us at: kellenderry@gmail.com

2. Information We Collect

Information you provide directly:

• Email address (when you submit the rewards check form)
• Monthly business spending estimates by category (fuel, materials, equipment, office, travel, phone/internet)
• Your current credit card type (selected from a general category list)

Information collected automatically:

• IP address and general geographic region
• Browser type and operating system
• Pages visited and time spent on site
• Referring URL (where you came from)
• Device type (desktop, mobile, tablet)

We do not collect:

• Social Security numbers or tax identification numbers
• Bank account or credit card numbers
• Credit scores or credit report data
• Precise business revenue or financial statements

3. How We Use Your Information

We use the information we collect to:

• Deliver your personalized rewards estimate
• Send you the email sequence you opted into, including rewards tips and card recommendations
• Improve our rewards calculation tool and website experience
• Analyze aggregate usage patterns (non-identifying)
• Comply with legal obligations
• Prevent fraud and abuse

We do not use your information to make credit decisions, and we do not share your spending data with card issuers or financial institutions without your explicit consent.

4. Email Communications

When you submit your email address, you are opting in to receive Earnwell's email communications, which may include your rewards results, follow-up tips, and card recommendations. We use Kit (formerly ConvertKit) to manage email delivery.

You may unsubscribe at any time by clicking the unsubscribe link in any email we send. Unsubscribing will remove you from all Earnwell marketing communications. We will not send you emails after you unsubscribe, except as required by law.

5. Affiliate Links and Third-Party Relationships

Earnwell participates in affiliate marketing programs. When you click a link to a credit card or financial product on our site and apply for or purchase that product, we may receive a referral commission from the card issuer or affiliate network at no additional cost to you.

Our affiliate relationships do not affect the spending data you provide or the mathematical output of our rewards calculator. Recommendations are generated based on publicly available rewards rates and your stated spending inputs.

We work with affiliate networks including but not limited to FlexOffers, Commission Junction (CJ), and Impact. These networks and the card issuers they represent have their own privacy policies governing data shared during the application process. We are not responsible for the privacy practices of third-party card issuers or affiliate networks.

6. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share information in the following limited circumstances:

• Service providers: We share data with trusted third-party vendors who help us operate our site (e.g., Kit for email, Netlify for hosting, analytics providers). These vendors are contractually obligated to use your data only to provide services to us.
• Legal compliance: We may disclose information if required by law, subpoena, court order, or government request, or to protect our legal rights.
• Business transfer: In the event of a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our site before your information is transferred.
• Consent: We may share your information with your explicit consent for purposes not described in this policy.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Remember your preferences during a session
• Analyze traffic and usage patterns (via analytics tools)
• Enable affiliate link tracking (to attribute referrals correctly)

You can control cookies through your browser settings. Disabling cookies may affect some functionality of our rewards calculator tool. We do not currently respond to "Do Not Track" browser signals, but we do not engage in cross-site behavioral advertising.

8. Data Retention

We retain your email address and associated data for as long as you remain subscribed to our communications. If you unsubscribe, we will remove your email from active marketing lists within 10 business days. We may retain anonymized, aggregated spending data (with no personally identifying information) indefinitely for analytical purposes.

Automatically collected data (logs, analytics) is typically retained for up to 24 months.

9. Data Security

We implement industry-standard security measures including HTTPS encryption for all data transmitted to and from our site, access controls limiting who can access your data, and use of reputable third-party infrastructure with their own security certifications.

No method of transmission over the Internet is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security of your information. In the event of a data breach that affects your personal information, we will notify you as required by applicable law.

10. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal data (subject to legal retention requirements)
• Opt-out: Unsubscribe from marketing emails at any time
• Portability: Request your data in a portable format where technically feasible

To exercise any of these rights, contact us at kellenderry@gmail.com. We will respond within 30 days.

11. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a CCPA request, contact us at kellenderry@gmail.com.

12. Children's Privacy

Our website is intended for adults operating businesses. We do not knowingly collect personal information from anyone under the age of 18. If we become aware that a minor has provided us with personal information, we will delete it promptly. If you believe we have inadvertently collected information from a minor, contact us immediately.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised effective date. For material changes, we will provide additional notice via email to subscribers. Your continued use of the site after changes are posted constitutes acceptance of the updated policy.

14. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, contact us at: