Last updated: October 6, 2026
This policy explains what information Omney ("Omney," "we," "us," or "our") collects, how we use it, when we share it, how long we retain it, and the rights you have over it. By using Omney, you acknowledge the practices described in this Privacy Policy.
In short: We analyze your card activity so we can tell you how to earn more rewards, which benefits you have yet to use, and which additional cards would add the most value to your wallet. We do not sell your data or share it for advertising, and we do not receive your bank login credentials. You can delete your data and/or entire account yourself, at any time.
1. Information we collect
When you create or use an Omney account, we may collect information necessary to provide Omney services, including:
Information you provide
- Account details: Email address, name (if you provide one), and login information (your password is set and stored by our authentication provider; we do not see it)
- Your settings and preferences
- What you send us: Customer support messages, refund requests, and feedback
Information from your connected accounts
- Card information: Institution / card issuer, card product, card identifiers (we only receive the last four digits at maximum)
- Transactions: Date, merchant name and descriptions, amount, category, and other transaction information necessary to provide Omney services
We request only the data needed to provide Omney insights. Omney does not receive or store your bank username or password; you provide those directly to Plaid or your financial institution. Plaid's collection and use of your information is also governed by Plaid's privacy practices.
Information we generate as you use Omney
- Personalized recommendations and insights: Which card may be optimal for particular purchases, transaction-level missed rewards estimates, benefit tracking, fee insights, and alerts to review card renewals and activity
- Payment information: Product, status, amount, date, and payment identifiers from our payment processor
- Technical information: IP address, browser and device type, operating system, request timestamps and error logs, to keep Omney running and detect abuse
- Information about how you interact with Omney's features
2. How we use your information
We use the information we collect to:
- Provide and maintain your Omney account, including analyzing your transactions, estimate rewards opportunities, identify usable benefits identify potentially avoidable fees, recommend cards based on your spending and existing wallet, provide alerts, and other features you request
- Improve Omney’s service, including understanding how Omney’s features are used, detect and troubleshoot errors, refine our calculations and improve the usefulness of our recommendations, develop new features, and maintain security and reliability
- Administer payments and accounts, including process payments, manage subscriptions, maintain billing records, communicate with you about your account, and provide customer support
- Ensure security, including detecting and preventing fraud, abuse, unauthorized access, and other harmful activity, investigate security incidents, and maintain the integrity of our systems
- Comply with the law, including using or disclosing information when reasonably necessary to comply with applicable legal processes and court orders, or to establish, exercise, and defend legal claims
Where practical, we may use aggregated or de-identified information for these purposes rather than information that directly identifies you.
We do not use your data to train third-party artificial intelligence models. Our automated calculations use publicly published card terms from issuer websites, not artificial intelligence models.
3. Financial account connections
Your card account and transaction information is central to Omney's service to provide personalized insights and recommendations. For example, Omney may analyze your spending to determine:
- Which cards in your wallet may be appropriate for particular spending categories
- Whether you may have earned more credit card rewards by using a different card
- Whether you may be underusing available card benefits
- Whether certain fees may be avoidable
- Which additional credit cards may potentially provide value based on your spending
Omney does not make lending, credit-approval, employment, insurance, or other decisions on behalf of third parties based on your financial information. Omney's recommendations are informational and are not guarantees of rewards, savings, approval, or financial outcomes.
Omney uses Plaid to connect to participating credit card issuers and retrieve financial information that you authorize us to access. When you connect an account, you interact with Plaid's connection experience. Omney does not receive your financial institution login credentials.
You can disconnect a financial account from Omney at any time through your Account page. When you disconnect an account, Omney will stop requesting new information from that connection. Information previously imported into Omney may remain in your Omney account until it is deleted in accordance with this Privacy Policy and our applicable retention practices.
Plaid's own privacy policy applies to information that Plaid collects and processes in connection with your account connection. We encourage you to review Plaid's privacy policy for additional information.
4. Who we share information with
We do not sell your personal information, nor do we share it with third parties for advertising purposes. We only share information with service providers that process information on our behalf and help us operate Omney. These providers include:
| Provider | Purpose |
|---|---|
| Plaid | Connects to your credit card accounts |
| Stripe | Processes payments and subscription billing |
| Replit | Hosts, delivers, and stores data for the site itself |
| Resend | Sends transactional and alert emails |
| Brave Search | Enriches merchant data |
| Brandfetch | Fetches brand assets |
We may disclose information when required by law, to protect the rights, safety or property of Omney, you or others, and to a successor in connection with a merger, acquisition or sale of assets.
5. Card referral compensation
Omney may receive compensation if you click a link or apply for a credit card through that link. Compensation will never affect your personalized recommendations, however - we will always recommend cards that create the most value for you, even if we do not earn anything from them. If we receive compensation for a referral, we will disclose the relationship where appropriate.
Omney does not provide any of your data to a credit card issuer merely because you click an application link. When you leave Omney and visit another company's website, that company's privacy policy and terms govern your interaction with that company.
6. Cookies and similar technologies
Omney may use cookies, local storage, session technologies, and similar technologies necessary to keep you signed in, remember your preferences, maintain security, and understand how our services are used. Because we do not track you across sites, there is nothing to opt out of.
7. How long we keep data for
We retain information for as long as reasonably necessary to provide Omney’s service, maintain your account, and comply with legal obligations. Our intended retention practices are:
| Information | Retention |
|---|---|
| Account information | While your account remains active, plus a reasonable period necessary to complete deletion |
| Card and transaction data | While your account is active or until you remove the card, subject to applicable legal obligations |
| Recommendations and insights | While your account remains active |
| Security and error logs | Typically under 90 days |
| Support communications | Typically under 90 days |
| Payment and billing records | Up to 7 years after the transaction, per tax and accounting law |
| De-identified and aggregated data | Indefinitely, if data can no longer reasonably be used to identify you |
8. Deleting your data
At any time, you can:
- Delete data for any or all connected institutions on your Account page. If you delete data, we will stop receiving new information for that institution’s card(s)
- Delete your entire Omney account at the bottom of your Account page. When you delete your account, we will delete or de-identify personal information associated with your account. We may be required by law to retain certain information, such as proof of consent and billing records.
9. Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. These security measures may include encryption in transit, access controls, authentication protections, monitoring, and others appropriate to the sensitivity of the information we handle.
No system is completely secure. If a breach affects your personal information, we will notify you and the relevant regulators as the law requires.
10. Your privacy rights
Depending on where you live and subject to applicable law, you may have the right to:
- Know or access information we hold about you
- Request correction of inaccurate information
- Request deletion of your information
- Request a portable copy of certain information
- Opt out of sales or sharing of personal information for targeted advertising (which Omney does not do)
- Limit the use of sensitive personal information
- Not be discriminated against for exercising applicable privacy rights
The precise rights available to you depend on your state of residence and the circumstances described in applicable law. If you are a California resident, California law may provide additional rights regarding personal information.
11. Children
Omney is not directed toward children, and we do not knowingly collect personal information from children under 18. You must be 18 or older to use Omney. If we learn that we have collected personal information from a child under 18, we will take reasonable steps to delete it.
12. Changes to this policy
We may update this policy from time to time. When we make changes, we will update the "Last updated" date at the top of this policy. If we make a material change, we will provide additional notice when required by applicable law.
13. Contact us
If you have questions about this policy or anything else about Omney, contact us at support@omney.com