Card Stack
Optimizer
Legal

Privacy Policy & Disclosures

How we make money, how we handle your information, and the ground rules for using this site.

Draft: This page is placeholder text and has not been reviewed by an attorney. Replace the bracketed items and get a legal review before launch.

Last updated: [MONTH DAY, YEAR]

Affiliate Disclosure

Card Stack Optimizer ("we," "us," "our") is a brand of LGJ Enterprises LLC. Some links on this website, in our YouTube video descriptions, and in our emails are affiliate links. If you click one and are approved for a product, or make a purchase, we may earn a commission. This costs you nothing extra.

We are a participant in affiliate programs that may include [LIST AFFILIATE NETWORKS / PARTNERS, e.g. card issuer programs or affiliate networks]. Affiliate links are marked [DESCRIBE HOW, e.g. "with 'Sponsored' or a disclosure near the link"].

This disclosure is provided in keeping with the U.S. Federal Trade Commission's Endorsement Guides.

Editorial Policy

Our content is not provided, commissioned, reviewed, approved, or endorsed by any card issuer, bank, or affiliate partner. Opinions are our own.

  • We evaluate cards with the same published math, whether or not we have an affiliate relationship.
  • We include cards that don't pay us when they're the better fit.
  • Each comparison is dated. Rates, fees, and offers change, and we correct errors when we find them.
  • [OPTIONAL: describe your correction process and how readers can report an error.]

Not Financial Advice

All content on this site, our channel, and our emails, including the CSO Annual Rewards Calculator, is for general educational and informational purposes only. It is not financial, legal, tax, or credit advice, and it isn't tailored to your personal situation.

Credit card terms, rewards rates, sign-up bonuses, fees, and approval criteria are set by issuers and change often. Always review the issuer's current terms before applying. Approval isn't guaranteed and depends on the issuer's criteria. Carrying a balance can cost more in interest than any rewards you earn. Examples and calculations are illustrative, and your results will vary. Card illustrations on this site are fictional and imply no issuer affiliation.

Privacy Policy

This policy explains what information LGJ Enterprises LLC collects through Card Stack Optimizer ("the Site") and how we use it.

Information we collect

  • Information you give us: your email address and, optionally, your first name and preferred calculator format when you sign up for our email list.
  • Information collected automatically: [e.g. pages visited, referring site, browser type, and approximate location via ANALYTICS PROVIDER]. [State whether cookies are used.]
  • Campaign data: if you arrive from a link that includes tracking parameters (such as utm_source), we may store those with your subscription to understand which content brings in subscribers.

How we use it

  • To deliver the lead magnet you requested and send the emails you signed up for.
  • To tell you about new content and, later, our own products (such as the Credit Card Stack Optimizer System) and partner offers.
  • To understand and improve the Site.

We do not sell your personal information. [CONFIRM, and adjust if your practices differ.]

Third-party services

We use trusted service providers who process data on our behalf, which may include:

  • Email provider: [ConvertKit / Mailchimp / Systeme.io] to store subscribers and send email.
  • Analytics: [PROVIDER, or remove if none].
  • YouTube: embedded videos load from youtube-nocookie.com only after you click play. YouTube's privacy policy applies once a video loads.
  • Payments (future): [Gumroad / Stripe / Systeme.io] if you purchase a product. We do not store card numbers.
  • Affiliate partners: when you click an affiliate link, the partner may use cookies to attribute the referral.

Email choices

Every email includes an unsubscribe link. You can also email us to be removed.

Your rights

Depending on where you live (for example, California under the CCPA/CPRA, or the EU/UK under the GDPR), you may have the right to access, correct, delete, or port your personal information, and to opt out of certain processing. To make a request, contact us at the address below. [ADD jurisdiction-specific details and legal basis for processing if applicable.]

Data retention & security

We keep subscriber data while you remain subscribed and for [PERIOD] after, unless the law requires otherwise. We use reasonable safeguards, but no method of transmission or storage is 100% secure.

Children

The Site is not directed to anyone under 18, and we do not knowingly collect information from children.

Changes

We may update this policy. The "Last updated" date above shows when it last changed.

Terms of Use

By using the Site you agree to these terms. Content is provided "as is," without warranties of any kind. To the fullest extent permitted by law, LGJ Enterprises LLC is not liable for any loss arising from your use of the Site or reliance on its content. All content, including the Card Stack Optimizer name, logo, and calculator, is owned by LGJ Enterprises LLC and may not be republished without permission. The downloadable calculator is licensed for personal, non-commercial use. These terms are governed by the laws of [STATE]. [EXPAND AS NEEDED.]

Contact

LGJ Enterprises LLC
[MAILING ADDRESS, required in marketing emails under CAN-SPAM]
Email: hello@example.com