Privacy Policy

Last updated: September 9, 2026

TapGain is operated by Rams Mudale LLC, a Texas limited liability company ("we," "us," or "our"). This Privacy Policy applies to the TapGain mobile application and the tapgain.app website, and describes how TapGain handles your information.

1. Information We Do Not Collect

TapGain does not collect, track, or store any of the following:

• Personal identification information (name, email, phone number)
• Financial information (card numbers, bank account details)
• Usage analytics or behavioral data
• Transaction history or purchase records
• Advertising identifiers
• Device identifiers used for advertising, analytics, or cross-app tracking

2. Local Data Storage

TapGain stores the following data locally on your device only, using on-device storage:

• Your card list - The cards you choose to add to your wallet for comparison purposes. Only card names, spending categories, and rates are stored. No actual card numbers or sensitive financial data is ever entered or stored.
• App preferences - Your display, filter, and notification preferences, including any customized category or tab ordering you set within the app. If you set a billing cycle start date for a card, it is stored locally and used only to show an in-app reminder banner. It does not schedule an iOS local notification.
• Notification preferences - Whether you have opted in or out of Smart Alerts, stored locally.
• Card type preference - Your preferred card type (Cash Back or Points), selected during onboarding and changeable at any time using the Cash Back / Points toggle on the Recommend screen. This preference is stored locally and used to filter your card sorting and Smart Alerts.
• Offer preferences - Your saved offers and offer search radius preference are stored locally on your device and used only to personalize the Offers tab display.
• Detected category cache - When a nearby spending category is identified, it is temporarily cached on your device to support the Offers tab display. This cache expires automatically and is not associated with your identity.
• Maps app preference - If you tap "Get Directions" on an offer and choose a maps app (Apple Maps or Google Maps), your choice is stored locally on your device so you are not asked again. This preference is used only to open directions and is not transmitted to our servers.
• App display preferences - Your dark or light mode preference, set within the app or inherited from your device settings, is stored locally on your device.
• Smart alert session state - TapGain may store limited, temporary information on your device to support Smart Alert behavior, such as preventing duplicate alerts and recognizing when a nearby-store visit has ended. This information is not used for advertising, profiling, or tracking and can be removed by resetting app data.
• Offer usage records - When you tap "Mark as Shown" in the Show to Cashier screen, TapGain saves a local record of that action on your device, including the offer name, spending category, discount, and the date and time. This record is stored on your device only, is not transmitted to our servers, and can be deleted at any time using "Reset All Data" in Settings.

This data never leaves your device and can be deleted at any time from the Settings screen using the "Reset All Data" option.

3. Location Data

TapGain offers an optional location feature to check for nearby spending categories (such as dining, gas stations, or grocery stores) and display your cards sorted by their listed rate for comparison.

• Location is entirely optional - The app is fully functional without location access. Location is disabled by default and must be explicitly enabled by you.
• Temporary processing - When enabled, your rounded location coordinates are transmitted temporarily to TapGain servers to determine nearby stores and spending categories using OpenStreetMap data. Coordinates are not stored in a database or associated with any identity.
• Network information and server logs - Like any internet request, requests to our servers include your device's IP address and the full request URL. When you make a location check, that request URL contains your rounded coordinates (for example, /api/detect-store?lat=32.123&lon=-96.789). These details appear in standard infrastructure HTTP access logs. Server logs are retained by our infrastructure provider for a short period — currently no more than 7 days — for security, abuse prevention, and diagnostic purposes, after which they are deleted or anonymized, as applicable. We do not use IP addresses or log data to identify individual users, build user profiles, or link location data to any identity.
• No application database storage - Location coordinates are rounded before transmission and are not stored in TapGain's application database or linked to your identity. Limited location-related state may be stored locally on your device to support Smart Alerts and can be removed by resetting app data.
• Background location - If you enable Smart Alerts, TapGain may use location while the App is in the background to support local notifications about nearby spending categories. A persistent indicator is shown when background location is active. You can disable this at any time.
• You control access - Background location activity can be stopped at any time using the Smart Alerts toggle in Settings. To grant or revoke the location permission itself, go to your device settings (Settings → Privacy & Security → Location Services → TapGain). Turning off Smart Alerts stops all background location activity but does not modify your device permission.

TapGain does not build user profiles, store your location coordinates in our application database, or associate location data with any identity.

4. Smart Alerts

TapGain offers two separate optional location features. Location Alerts show store alerts while the app is open. Smart Alerts may use background location and local notifications to display your cards sorted by their listed rate when you are near a store. Each feature is off until you enable it in TapGain; granting a native location or notification permission alone does not enable either feature.

• Opt-in only - Notifications are disabled by default and require your explicit consent to enable.
• Delivered locally - Local notifications are scheduled and delivered entirely on your device. No remote notification tokens or device identifiers are sent to any notification service.
• Location-assisted - When Smart Alerts are enabled, your device may transmit rounded coordinates to TapGain servers to check for nearby spending categories using OpenStreetMap data (as described in Section 3). Local notification eligibility is then determined on your device after nearby categories are checked, based on your saved cards and Smart Alert settings. No personal data is included in the notification content.
• One alert per visit - To prevent notification fatigue, TapGain is designed to send only one notification during a single store visit. Additional notifications are generally suppressed until you leave the area and return later.
• Smart filtering - TapGain may use motion information on your device to help reduce unnecessary location activity and avoid Smart Alerts while you are moving quickly.
• Full control - You can disable notifications at any time from Settings or your device notification settings.

4a. Motion Sensor Data

TapGain may use motion information on your device to help reduce unnecessary location activity and avoid Smart Alerts while you are moving quickly.

• Processed on-device - Motion information is processed on-device and is not sent to TapGain servers, stored in TapGain's application database, or used for advertising or profiling.
• Functional purpose - Motion information is used only to support Smart Alert functionality and reduce unnecessary notifications.

5. Offers

TapGain displays participating business offers alongside card rates for informational comparison.

• Server-delivered - Partner Offers are fetched from TapGain's servers and cached on your device for offline viewing. No offer data is bundled in the app binary; new and updated offers become available without requiring an app update.
• Paid placements - Participating businesses may pay to display offers in the Offers tab. Paid placements are identified as such within the app. Offer participation does not affect how TapGain compares or sorts your cards.
• Informational only - Offer availability varies by location and participating businesses. Always confirm details directly with the business.
• No tracking - Viewing or interacting with offers does not transmit any personal data to external servers or to participating businesses. We do not share information about individual users with businesses.
• Outbound links - Offers may include links to a business's website. If you follow such a link, your browser connects directly to that business, and their privacy practices apply.
• No purchase obligations - Offers are informational only and do not obligate you to make any purchase.

6. Third-Party Services

TapGain uses the following third-party services:

• OpenStreetMap - Used when location is enabled, to check for nearby spending categories. Rounded location coordinates are transmitted to support nearby category detection. No account information or user identity is transmitted. This service is governed by the OpenStreetMap Foundation Privacy Policy.
• Infrastructure providers - We use third-party hosting and infrastructure providers to operate the servers that support location-based features. These providers may process IP addresses and request metadata as necessary to provide their services. Their handling of such information is governed by their applicable privacy policies and terms of service.

TapGain does not use advertising networks, analytics platforms, or tracking SDKs.

7. Credit Card Information Disclaimer

TapGain is an independent tool and is not affiliated with, endorsed by, or sponsored by any bank, card issuer, or payment network including Visa, Mastercard, American Express, Discover, Citi, or Chase.

Logos and trademarks remain the property of their respective owners and are used for informational purposes only. Card names and trademarks are used solely for identification and comparison purposes.

TapGain displays cards sorted by their listed rates for comparison purposes. Listed rates, categories, and terms may change at any time by the card issuer and may not always reflect the latest updates.

TapGain is an informational comparison tool and does not provide financial, legal, or tax advice. Always verify listed rates and benefits directly with your card issuer.

8. Children's Privacy

TapGain is not directed at children under the age of 13. We do not knowingly collect any information from children under 13. If you believe a child has submitted information through the app, please contact us at privacy@tapgain.app and we will take steps to delete it.

9. Data Security

Your card list and app preferences are stored locally on your device, where security is managed by your device's built-in protections (passcode, biometrics, encryption). Data transmitted to our servers during a location check is sent over an encrypted connection. Operational server logs are retained by our infrastructure provider for a short period — currently no more than 7 days — for security, abuse prevention, and diagnostic purposes, after which they are deleted or anonymized, as applicable. We implement reasonable technical and organizational measures designed to protect information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Texas Resident Rights (TDPSA)

Rams Mudale LLC is based in Texas. Texas residents may exercise the rights provided under the Texas Data Privacy and Security Act (TDPSA), where applicable:

• Right to access - You may request confirmation of whether we process your personal data and obtain a copy of that data.
• Right to correction - You may request correction of inaccurate personal data we hold about you.
• Right to deletion - You may request deletion of personal data we have collected from you. Because TapGain stores your app data locally on your device, you can delete locally stored app data at any time using the "Reset All Data" option in Settings.
• Right to data portability - You may request a portable copy of personal data you have provided to us.
• Right to opt out - You may opt out of the processing of your personal data for targeted advertising, sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

We do not sell personal data or engage in targeted advertising. Because TapGain does not collect personal identification information and does not use personal data for profiling, most of these rights have limited practical application to TapGain's current data practices. The temporary location coordinates used for nearby category detection are not stored in our application database or linked to your identity.

We will not discriminate against you for exercising your privacy rights.

To submit a privacy rights request, contact us at privacy@tapgain.app. We will respond within the timeframe required by applicable law. If you believe your request has not been handled appropriately, you may appeal by contacting us at the same address.

11. Users in Other States

TapGain is available throughout the United States. Several states have enacted consumer privacy laws granting rights similar to those described in Section 10. Because TapGain collects limited personal information, does not sell personal data, and does not use personal data for targeted advertising or profiling, many of these rights have limited practical application to our current data practices. We will honor applicable privacy rights requests to the extent required by the laws that apply to our data processing activities. If you are a resident of another state and wish to make a privacy request, contact us at privacy@tapgain.app and we will respond in accordance with applicable law.

12. Business Transfers

If Rams Mudale LLC is involved in a merger, acquisition, or sale of assets, information we hold may be transferred as part of that transaction. We will provide notice before any material changes to this Privacy Policy become effective. Any successor that continues operating TapGain will be expected to honor the commitments described in this Privacy Policy, subject to applicable law.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated revision date. Continued use of the app after the changes become effective constitutes acceptance of the updated Privacy Policy.

14. Contact Us

If you have any questions about this Privacy Policy or the app, please contact us at:

Rams Mudale LLC
privacy@tapgain.app

© 2026 Rams Mudale LLC