CardQ Privacy Policy

Last updated: Aug 2026

Overview

CardQ is a credit card decision utility developed by UtillyHub. This privacy policy explains how the app handles your information. The short version: it doesn’t collect any.

Data we collect

None. CardQ does not collect, store on external servers, or transmit any personal or financial information.

All data you enter into the app — including card nicknames, credit limits, used balances, statement dates, and transaction notes — is stored exclusively on your device using Android’s local Room database. This data never leaves your device.

Data stored on your device and Google account backup

The following information is stored locally on your device:

• Card nicknames and last 4 digits you choose to enter
• Credit limit and used balance amounts
• Statement and payment due dates
• Optional transaction notes

CardQ uses Android’s built-in Auto Backup feature to back up this data to your personal Google account. This means your card data is automatically restored if you reinstall the app or switch to a new phone. This backup is part of your private Google account and is not accessible to CardQ or UtillyHub.

You can disable Auto Backup for CardQ at any time in your Android settings under Backup. You can delete all CardQ data by clearing the app’s data or uninstalling it.

Permissions we request

CardQ requests the following Android permissions:

• POST_NOTIFICATIONS — to send you payment due reminders. You can disable this at any time in Android Settings.

CardQ does not request access to your contacts, camera, location, SMS, microphone, or any other sensitive permissions.

Third-party services

CardQ uses Android’s Auto Backup, which stores a copy of your card data in your personal Google account. No other third-party services, analytics, advertising, or tracking SDKs are used.

Children’s privacy

CardQ is not directed at children under 13. We do not knowingly collect any information from children.

Changes to this policy

If this policy is updated, the new version will be posted at this URL with a revised date. Since no data is collected, changes would only occur if new features are added that change data handling.

Contact

CardQ is a product of UtillyHub. © 2026 UtillyHub. All rights reserved.