Privacy Policy

Who Is the Data Controller?

524Tracker (“we,” “us,” or “our”) operates the website at 524tracker.com. For privacy inquiries, contact us at privacy@524tracker.com.

What Data We Collect

Tracker Data (localStorage)

We do not collect, store, or transmit your credit card application data. All tracker data (card names, dates, statuses) is stored locally in your browser using localStorage and is never sent to our servers. This data exists only on your device and can be deleted at any time by clearing your browser data.

Advertising Cookies (Third Party)

We use Google AdSense to display advertisements. Google may use cookies and similar technologies to serve ads based on your prior visits to this or other websites. Google's use of advertising cookies is governed by Google's Privacy Policy. You can opt out of personalized advertising by visiting Google Ads Settings.

Affiliate Link Tracking (Third Party)

When you click an affiliate link on our site, the destination website (e.g., Chase, American Express, Capital One) may use cookies to track that you arrived via our referral. This tracking is governed by each issuer's privacy policy, not ours. We do not receive any personal information about you through affiliate links.

Cookiebot Consent Management

We use Cookiebot, a certified consent management platform (CMP), to manage cookie consent and track your preferences across the EU/EEA/UK. Cookiebot helps us comply with GDPR and other privacy regulations by obtaining your consent before placing certain cookies. Cookiebot's privacy practices are governed by Cookiebot's Privacy Policy.

Lawful Basis for Processing

For advertising cookies, our lawful basis is legitimate interest for users in jurisdictions where opt-out consent applies, and explicit consent for users in the EU/EEA/UK where opt-in consent is required under GDPR.

How Long We Retain Data

localStorage data persists in your browser until you clear it — you can delete it at any time through your browser settings. We do not set any first-party cookies. Google AdSense cookies are retained for up to 13 months per Google's policies. Affiliate network cookies typically expire within 7–90 days depending on the issuer program. Vercel server logs (containing IP addresses) are retained for up to 30 days.

What Third Parties Receive Data

• Google AdSense — advertising
• Vercel — website hosting
• Credit card affiliate networks (CJ Affiliate, direct issuer programs) — referral tracking

How International Data Transfers Work

Third-party services (Google, Vercel) may process data in the United States and other countries. These transfers are protected by Standard Contractual Clauses and other appropriate safeguards.

What Are Your Rights Under GDPR?

If you are in the EU/EEA/UK, you have the right to:

• Access, rectify, or erase your personal data
• Restrict or object to processing
• Data portability
• Withdraw consent at any time
• Lodge a complaint with your supervisory authority

Since we do not store your tracker data on our servers, there is no personal data for us to access, rectify, or delete. Your tracker data is entirely under your control in your browser.

California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) grants you specific rights regarding your personal information. These rights are effective as of January 1, 2026.

Information We Collect

In the past 12 months we have collected the following categories of personal information:

• Identifiers: IP address, browser type, device identifiers via analytics and advertising.
• Internet or network activity: Pages visited, tracker tool usage (rule lookups, card inputs), time on site.
• Financial information (user-entered): Credit card application data, hard inquiry dates, and card values entered into our tracking tools. This data is stored locally in your browser only and is never transmitted to our servers.
• Inferred data: Interests inferred from browsing behavior via advertising and affiliate partners.

Sensitive Personal Information

As of January 1, 2026, California law defines financial account data as sensitive personal information. 524 Tracker stores all credit card application tracking data locally in your browser (localStorage) only. This data is never transmitted to our servers, never stored in any database we control, never sold, and never shared. You have complete control over this data and may clear it at any time by clearing your browser's local storage.

Data Minimization

We collect only the minimum personal information necessary to operate this service. All credit card tracking inputs remain on your device. We do not collect personal financial information beyond what you voluntarily enter into browser-local tools.

How We Use Your Information

• To display advertising through Google AdSense
• To serve relevant credit card recommendations through affiliate partners
• To analyze aggregate site traffic and improve tool accuracy via analytics
• To maintain site security and prevent fraud

We do not sell your personal information. Sharing data with advertising partners may constitute “sharing” under CPRA — you may opt out using the methods below. Financial tracking data entered into our tools never reaches advertising systems.

Disclaimer: 524 Tracker is an informational tool only. Credit card application rules displayed on this site are based on publicly available information and may not reflect current issuer policies. This tool does not constitute financial advice. Always verify current rules directly with the card issuer before applying.

Your Rights as a California Resident

• Right to Know: Request disclosure of personal information collected in the past 12 months.
• Right to Delete: Request deletion of personal information we hold. Note: tool tracking data is stored only in your browser and can be deleted by clearing local storage.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out: Opt out of sharing personal information for advertising. We honor Global Privacy Control (GPC) signals automatically.
• Right to Limit Use of Sensitive Information: Direct us to limit use of sensitive financial information to necessary service functions.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.

Do Not Sell or Share My Personal Information

To opt out of sharing for advertising purposes, use a Global Privacy Control (GPC)-enabled browser, or contact us via the Contact page.

How to Submit a Request

Contact us via the Contact page. We will respond within 45 days. Identity verification may be required.

Data Retention

Analytics data is retained for 26 months. Server logs are retained for 90 days. Credit card tracking data is stored only in your browser's local storage and is never retained by us.

Additional U.S. State Privacy Rights

Residents of the following states have privacy rights similar to California's CCPA/CPRA. To exercise your rights, contact us via the Contact page. We will respond within the timeframe required by your state's law.

We honor Global Privacy Control (GPC) signals from all states that require it. We do not sell personal information to third parties. We do not engage in targeted advertising using sensitive personal information.

Global Privacy Control (GPC) Honoring

We honor the Global Privacy Control (GPC) browser signal as a universal opt-out of targeted advertising, data sale, and data sharing. If you enable GPC in your browser, we will automatically decline non-essential cookies through Cookiebot and restrict advertising tracking on your device.

MODPA § 14-4604 Response Commitment

For Maryland residents exercising rights under the Maryland Online Data Privacy Act (MODPA), we commit to responding to valid requests within 45 days of receipt. This commitment applies separately from our GDPR 30-day response timeframe.

How We Handle Children's Privacy

Our service is not directed to individuals under 18. We do not knowingly collect personal information from children.

Google AdSense & Advertising

524 Tracker uses Google AdSense to display advertisements. Google and its partners may use cookies to serve ads based on your prior visits to this site or other websites. You can opt out of personalized advertising at any time by visiting Google My Ad Center (personalizationoff). Google's use of advertising cookies is also governed by Google's Privacy Policy.

Affiliate Disclosure

524 Tracker participates in affiliate programs with credit card issuers. We may earn a commission when you apply for and are approved for a card through our links. This does not affect our editorial recommendations. All affiliate links are marked with rel=nofollow sponsored.

Our Financial Information Disclaimer

524Tracker provides informational tools and content about credit card application rules. Nothing on this site constitutes financial, legal, or credit advice. Card recommendations may include affiliate links from which we earn a commission if you apply and are approved. Always review the issuer's terms before applying for any credit card.

Changes to This Policy

We may update this policy periodically. Changes will be posted on this page with an updated effective date.

How to Contact Us About Privacy

For privacy-related inquiries: privacy@524tracker.com