Privacy Policy

We collect only the information you choose to provide to use our services.

• • Email address (for reports, requests, and account communication)
• • Card and usage information you input into the calculator
• • Statement text you choose to scan (see section 3 — the file itself is never uploaded)

We are intentionally privacy-first. We do not collect or access:

Statement Scan is an optional Pro feature. Here is exactly what happens, step by step:

• • Your original file never leaves your device. The PDF or CSV you select is read and parsed in your browser. We do not upload or store the file.
• • Extracted text is sent to our server. Up to 50,000 characters of text pulled from that file are transmitted over an encrypted connection to our server, and from there to our AI provider (the Lovable AI Gateway, which routes to an OpenAI model) so it can identify likely statement credits.
• • This means statement text is processed by a third party. That text can include merchant names, transaction dates, and amounts. It is used only to return credit matches, and is not used to train models.
• • We do not store the file or the full statement text on your account. We retain scan metadata and the matched transaction details needed to show your results.
• • You confirm every match. Nothing counts toward your Fee Report until you approve it.

If you would rather no statement text leave your device at all, don’t use Statement Scan — you can enter credits manually and the rest of WorthTheFee works the same way.

Saved reports and calculations are stored securely so you can access them across devices. You’re in control — you can delete any report at any time.

We use essential cookies to keep you signed in and the site running. We also use analytics and advertising measurement to understand how people find and use the site.

• • Essential: session and authentication cookies (cannot be disabled)
• • Product analytics: page views and feature usage, tied to your account when signed in
• • Advertising measurement: Google Tag Manager, used to measure ad performance. This may set third-party cookies.

Browser-level tracking protection and ad blockers will stop the advertising tags.

We do not sell your data. We share only what a provider needs to do its job. These are the third parties that can process your data:

• • Lovable Cloud (Supabase) — hosting, database, and authentication. Processes your account, cards, and saved reports.
• • Lovable AI Gateway (routes to OpenAI) — processes extracted statement text when you run a Statement Scan. Only when you use that feature.
• • Stripe — payment processing for Pro plans. Stripe handles your card details directly; we never see or store them.
• • Our email delivery provider — sends account, reminder, and report emails. Processes your email address and message content.
• • Google Tag Manager — advertising and analytics measurement, as described in Cookies & Analytics.

We may also disclose information if required by law. If this list changes, we will update this page.

Data is encrypted in transit and at rest, and access is restricted by row-level authorization so one account cannot read another’s data. We never ask for or store bank credentials or full card numbers.

We do not retain uploaded statement files or the full extracted statement text. We keep scan metadata and the credit matches you approve for as long as your account is active, and you can delete them at any time. Account data is kept only as long as needed to provide the service. When you delete your account from Settings, your account data is removed.

You can update your email preferences, unsubscribe from non-essential email, delete individual cards and reports, and delete your account from Settings. For any other privacy request, email privacy@worththefee.com and we’ll handle it.

WorthTheFee is not intended for children under 13, and we do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. We'll post the updated version on this page and update the "Last updated" date.

Questions about this policy or your data? We're here to help.
Email us at legal@worththefee.com