Effective Date: July 11, 2026

Data Storage & Collection

Cardsworth is a manual credit-card benefits tracker for macOS. Everything you enter — cardholders, cards and their credits, annual-fee decisions, points balances and redemptions, spend goals, certificates, offers, and notes — is stored locally on your Mac using Apple's SwiftData framework.

All data is stored on your device only. Cardsworth does not upload your data anywhere — we do not operate any servers and have no access to your data. Data is created solely through your direct manual input within the app. Cardsworth does not collect anything passively, automatically, or in the background.

No Bank Connections

Cardsworth never connects to your banks, card issuers, or any financial aggregator. There are no account logins, no Plaid or similar linking, and no imported transactions. Every number and card in the app is one you entered yourself. Because nothing is linked, there are no credentials for us — or anyone — to access.

Data We Do Not Collect

Cardsworth does not collect, store, or transmit any of the following to our servers or any third party:

• Personal identification information (your name, email, or address)
• Bank, card, or account credentials, numbers, or transactions
• Usage analytics or behavioral tracking data
• Advertising identifiers or device fingerprints
• Contact lists or address book data
• Location data
• Any of the card, points, fee, or household data you enter

Card Artwork & Images

Cardsworth can optionally use a picture you choose from your own files as artwork for a card. Any image you import is re-encoded on your Mac to strip embedded metadata (such as EXIF and GPS location) before it is stored, and it is stored locally with your data. Cardsworth ships with stylized, generated card artwork by default and does not require you to add any images.

Syncing & Backups

This version of Cardsworth does not sync between devices — all data lives on the Mac where it was created. Your Mac's standard backups (Time Machine or a full-disk backup) may include Cardsworth's data like any other app's, and Migration Assistant can move it to a new Mac. You can also create a JSON backup or export at any time from within the app and keep it wherever you like.

In-App Purchases

Cardsworth is free to download and includes a 14-day free trial of every feature, followed by an optional one-time purchase to unlock the app for life — there is no subscription. All purchases are processed entirely through Apple's App Store. We do not have access to your payment information, Apple ID, or purchase history. Transactions are governed by Apple's Privacy Policy.

Third-Party Services

Cardsworth does not integrate any third-party analytics, advertising, or tracking SDKs. We do not use services like Google Analytics, Firebase, or any ad networks. No user data is shared with any third party, parent company, subsidiary, or affiliated entity. The only third party involved in the app experience is Apple's App Store for processing the optional purchase, governed by Apple's Privacy Policy.

Data Retention & Deletion

Because all data is stored locally on your Mac, Cardsworth does not retain any of your data on external servers. Your data persists for as long as the app is installed and you choose to keep it.

You can delete individual records — cardholders, cards, credits, redemptions, offers, certificates, and more — at any time from within the app. You can also use the "Erase all data" option in Settings (which writes a backup first) to remove everything. If you delete Cardsworth from your Mac, all locally stored data is removed; copies inside any backups you made persist until those backups are updated or deleted.

Your Rights & Consent

You have full control over your data:

• Export your data: Use Settings > Export to save your data as XLSX, CSV, or a full JSON backup at any time.
• Delete specific data: Remove individual cardholders, cards, credits, or other entries directly within the app.
• Delete all data: Use Settings > "Erase all data," or uninstall Cardsworth to remove all locally stored data.
• Request assistance: If you have any questions about managing or deleting your data, contact us at support@fourteenerlabs.com and we will respond within a reasonable timeframe.

Because Cardsworth does not collect or transmit data to external servers, there is no account to close and no remote data to request deletion of. All data management happens entirely on your Mac.

Independent Product & Not Financial Advice

Cardsworth is an independent product from Fourteener Labs, LLC. It is not affiliated with, endorsed by, or sponsored by any credit-card issuer, bank, or rewards program, and any card names or terms you enter are your own records. Cardsworth is an organizational tool, not financial, legal, or tax advice — always verify current card terms and benefits directly with your issuer.

Children's Privacy

Cardsworth is not directed at children under 13. We do not knowingly collect any data from minors.

Changes to This Policy

If we update this privacy policy, the revised version will be posted here with an updated effective date. Continued use of the app constitutes acceptance of any changes.

Contact

If you have questions about this privacy policy or Cardsworth, please contact us at:

support@fourteenerlabs.com