Effective date: [DATE] | Last updated: [DATE]
1. Who we are
Illumi ("Illumi," "we," "us") is a mobile app that recommends the best credit card in your wallet to use at nearby stores and restaurants. Illumi is operated by [COMPANY LEGAL NAME], [MAILING ADDRESS].
Questions about this policy? Email us at [CONTACT EMAIL].
2. Information we collect
Information you give us
| What | Why we need it |
|---|---|
| Account details (such as your email address and name) | To create and secure your account. |
| The credit cards in your wallet (card name only, for example "Chase Sapphire Preferred"). The app shows a masked placeholder, never a real number. | To work out which of your cards earns the most at a given place. We only recommend cards you've told us you have. |
| Your preferences: favorite merchants, favorite categories, how you redeem points, and card status settings (for example, whether you have Amazon Prime or have activated a rotating-category card) | To rank recommendations and calculate rewards accurately for you. |
Information collected automatically
| What | Why we need it |
|---|---|
| Precise location, including when the app is closed or in the background if you allow "Always" location access | To notice when you arrive somewhere, find nearby merchants, and send you a timely notification. This is the core of how Illumi works. |
| Notification and usage activity, such as which alerts we sent you, when you opened them, and which cards you marked as used, including the "Saved This Month" estimate | To avoid sending repeat alerts, show your savings, and improve the app. |
| Device information, such as device type, operating system version, app version, and your push notification token | To deliver notifications, fix bugs, and keep the app working. |
What we do not collect
- Full credit card numbers, expiration dates, or security codes
- Bank account logins or transaction history
- Your contacts, photos, or microphone/camera data
3. How we use your information
- Detect when you arrive at or near a store, restaurant, or other merchant.
- Identify the merchant and recommend the card in your wallet with the best reward there.
- Send you push notifications with that recommendation. We limit how often we notify you and avoid repeating alerts for the same place.
- Show you nearby merchants and your estimated savings inside the app.
- Keep Illumi secure, prevent abuse, fix problems, and improve accuracy.
4. Location, in plain language
- Illumi asks for your permission before it accesses your location. For notifications to work when the app is closed, iOS needs you to choose "Always" location access.
- When you arrive somewhere, we send your location to our servers and to our merchant data provider (see Section 5) to find out what business is nearby. We do not keep a running map of everywhere you go; we store only what's needed to deliver and limit alerts, such as the merchant and time of an alert we sent you. [CONFIRM WITH DEVELOPER: exactly what location data is stored and for how long.]
- You can change or revoke location access at any time in iPhone Settings > Privacy & Security > Location Services > Illumi. If you turn it off, Illumi can't send location-based recommendations.
5. Who we share information with
We do not sell your personal information, and we do not share it for advertising. We share limited information only with service providers who help us run Illumi, and only for that purpose:
| Provider type | What they receive |
|---|---|
| Merchant data provider (Foursquare Places) | Your approximate location at the moment we look up nearby businesses, so we can identify where you are. |
| Push notification service (Apple Push Notification service [and Expo, if used]) | Your device's notification token and the text of the notification. |
| Cloud hosting and database provider [NAME] | Account and app data, stored on our behalf. |
| [Analytics / crash reporting provider, if any] | [Device and usage diagnostics.] |
We may also disclose information if required by law or as part of a sale of the business.
6. How long we keep your information
We keep your account information for as long as you have an account. If you delete your account, we delete or de-identify your personal information within [30] days, except where we're required to keep something for legal or security reasons. [CONFIRM RETENTION PERIODS WITH DEVELOPER, including location and alert history.]
7. Your choices and rights
- Location: turn off in iPhone Settings at any time.
- Notifications: turn off in iPhone Settings > Notifications > Illumi.
- Delete your account: go to [Profile > Delete Account] in the app, or email [CONTACT EMAIL]. [CONFIRM IN-APP DELETION EXISTS. Apple requires it for apps with accounts.]
- Access or copy of your data: email us and we'll send you what we have about you.
If you live in California (and certain other U.S. states such as Colorado, Connecticut, Virginia, and Texas), you have the right to know what personal information we collect, to request access, correction, or deletion, and to not be discriminated against for exercising these rights. We don't sell or "share" personal information as those terms are defined by California law. To make a request, email [CONTACT EMAIL]. We may need to verify your identity first.
8. Security
We use reasonable technical and organizational measures to protect your information, including encryption in transit and access controls. No system is perfectly secure, so we can't guarantee absolute security. If you believe your account has been compromised, contact us right away.
9. Children
Illumi is not intended for anyone under 18, and we do not knowingly collect personal information from children. If you believe a child has given us information, contact us and we will delete it.
10. Changes to this policy
We may update this policy from time to time. If we make a meaningful change, we'll notify you in the app or by email before it takes effect. The "Last updated" date at the top shows when it was last revised.
11. Contact us
[COMPANY LEGAL NAME]
[MAILING ADDRESS]
[CONTACT EMAIL]