Privacy notice.

Plain language. What we do with what you type, and what we don't.

Last updated 2026-06-15

The short version

What we don't do.

  • No accounts. You don't sign up, log in, or give us an email.
  • No ad trackers. No Facebook pixel, no Google Ads tag, no analytics-vendor fingerprinting.
  • No data sale. We don't sell or rent anything you give us.

The honest part

What we do do.

  • Your chat goes to an LLM provider. The provider sees the text of your conversation in order to generate replies.
  • We log conversations to an observability platform — so we can debug the agent and improve recommendations. Logs include the chat text, extracted spend numbers, and the recommendation output.
  • Affiliate cookies on link-out. When you click "Apply Now" on a recommendation, you leave Credit Cat and the bank's affiliate partner may set their own tracking cookies. That's outside our control once you leave the site.
  • Essential cookies only on Credit Cat itself. No persistent identifiers we put on you.

The specific worry

Your spend numbers, specifically.

The spend amounts you type — dining $X, groceries $Y — are processed in your browser to compute recommendations. They're sent to the AI model (to extract them from natural language) and logged to our observability platform alongside the rest of the chat. They are not associated with you personally— we don't have your name or email — but the conversation text is preserved as part of the log.