Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

    Cookie Policy

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    Upgraded Points, LLC – Cookies and Ads Notice

    Effective Date: August 14, 2024

    This Upgraded Points, LLC (“Upgraded Points”) Cookies and Ads Notice (“Cookie Notice”) applies to the sites where it is posted and covers any interaction with Upgraded Points where personal information may be collected from you through cookies, pixels, and other tracking tools. This includes www.upgradedpoints.com and our mobile sites. This Cookie Notice describes our cookies, pixels and other tracking tools and ad practices and informs you about the choices you can make.

    This document is intended to supplement our Privacy Policy, which is incorporated herein my reference.

    COOKIES, PIXELS AND OTHER TRACKING TECHNOLOGIES

    What are cookies, pixels and other tracking technology?

    As is true of most websites, we use and allow specific partners to use cookies, pixels, and other tracking technologies on our website and mobile sites (collectively “Automated Collection Tools”) to better understand our visitors and users. Upgraded Points uses Automated Collection Tools to help identify, collect, and transfer data from our site to specialized software we use or partners we engage for analytics and advertising purposes.

    Cookies: A cookie is a small text file that is placed on your electronic device when you visit a company’s website and mobile site. Cookies typically encrypt data about you which can only be read by the company that placed the cookie there. Cookies can enable you to log into a website and mobile site faster if you’ve visited it before and can give companies better insights into your behavior on their site, including how long you stay on their site and which pages you visited.

    Pixels: A pixel is a tiny, invisible piece of code that is installed on websites. Pixels collect certain pieces of information that can identify site visitors, including information such as a visitor’s IP address, and monitor web traffic and other site visitor behavior.

    Other Tracking Technologies:  We may use other tracking technologies including without limitation clickstream capture, web beacons, web collection forms and other similar technologies.  We may also use session replay tools that allow our site operators and partners to gather user experience research to show how sites are being used, and what improvements should be made to the sites and users’ experiences on them.  They basically record or recreate a user’s journey through a site.  These tools are designed and implemented so that they either do not collect or instead mask Personal Information of users.

    What types of Automated Collection Tools do we use? 

    The list below provides the following information about types of Automated Collection Tools, along with their purposes, used on the Upgraded Points websites in the prior 12 months:

    Strictly Necessary Cookies:  These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you to request our services, such as setting your privacy preferences, logging in to your account, or filling out forms. You can set your browser to block or alert you about these cookies, but then some parts of the site may not work.

    Performance Cookies:  These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. If you do not allow these cookies we will not know when you have visited our site and will not be able to monitor its performance.

    Functional Cookies:  These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you choose to block these cookies, then some or all of these enhanced services may not function properly.

    Targeting Cookies:  These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites. These cookies are based on uniquely identifying your browser and internet device. If you choose to block these cookies, you will limit targeted advertising from us.

    Meta Pixels:  Meta Pixels are tracking codes that we embed on our website to leverage Meta’s marketing opportunities. Meta Pixel and similar tracking code allows data regarding website visitors’ behavior to be shared with third parties. For example, if you clicked on a video on our website, Meta Pixel can share data regarding the fact you clicked on it, what the video was, the URL you visited, and possibly embedded metadata regarding the webpage.

    How does Upgraded Points use Automated Collection Tools?

    We use Automated Collection Tools in a variety of ways to further our relationship with you. We collect personal information of site visitors (“Personal Information”) over time and across different websites when visitors use this website, read our emails, or otherwise engage with us through a computer or mobile device. Here are some key purposes for our Automated Collection Tools:

    • To recognize new or past customers.
    • To remember your preferences.
    • To assess performance and improve our sites.
    • To serve you with interest-based or targeted advertising (see below for more on interest-based advertising).
    • To observe your behaviors and browsing activities over time across multiple websites or other platforms.
    • To better understand the interests of our customers and our website visitors.
    • To diagnose and fix technology problems.
    • To improve security and prevent fraudulent activity.
    • We also engage third party service providers and vendors (our “partners”) to collect Personal Information this way on our sites, who may also use these types of tools.

    To learn more about how we may use the information that we collect and to whom we may share it, please see our Privacy Policy.

    INTEREST-BASED ADVERTISING

    How does Upgraded Points use interest-based advertising on our sites and other sites and platforms?

    We and our partners display interest-based advertising using information gathered about you over time across multiple websites or other platforms. Interest-based advertising, also referred to as “online behavioral advertising,” includes ads served to you after you leave our website, encouraging you to return. They also include ads we think are relevant based on your shopping habits or online activities. These ads might be served on websites. They might also be served in emails. We might serve these ads, or third parties may serve ads. They might be about our products or other companies’ products.

    How do we gather relevant information about you for interest-based advertising?

    To decide what is relevant to you, we use information you make available to us when you interact with us and our partners. We gather this information using Automated Collection Tools described above. For example, we or our partners might look at your past purchases or browsing behaviors. We might look at these activities on our platforms or the platforms of others. We also work with third parties who help gather this information. These third parties might link your name or email address to other information they collect, such as past purchases made, or online usage information.

    HOW CAN YOU CONTROL AUTOMATED COLLECTION TOOLS?

    Automated Collection Tools can be managed in various ways, including without limitation:

    Disabling cookies via browser controls.

    Most browsers are initially set up to accept cookies by default. Your browser may give you the ability to control cookies and other tracking tools, depending on the tool type. If you prefer not to store cookies, you can choose to do the following, but note that some features of Upgraded Points websites may not work if you do not accept cookies and may not work on flash cookies:

    • Not use our sites,
    • Set your browser to notify you when you receive a cookie,
    • Set your browser to refuse to accept cookies,
    • Delete our cookies after visiting our site, and
    • Browse our site using your browser’s anonymous usage setting (called “Incognito” in Chrome, “InPrivate” for Edge, “Private Browsing” in Firefox and Safari, etc.)

    Any options you select are browser and device-specific.

    Our Do Not Track Policy: Some websites have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals unless required under applicable law. If you block cookies, certain features on our sites may not work. If you block or reject cookies, not all of the tracking described here will stop.

    Opt-Out of Receiving Personal Advertisements through the DAA and NAI

    Some advertising networks we may use for these purposes may be members of the Digital Advertising Alliance (“DAA”) or the Network Advertising Initiative (“NAI”). Please visit the websites below to learn more about interest-based advertising and to opt out of receiving personalized advertising or content from participating third-party advertising companies:

    Digital Advertising Alliance

    Network Advertising Initiative

    Please note that if you opt out, you may still receive online advertising from us, but it will not be tailored to your interests based on online behavioral information about you. To successfully opt out, you must have cookies enabled in your web browser (see your browser’s instructions for information on cookies and how to enable them). Your opt-out only applies to the web browser you use, so you must opt out of each web browser on each computer you use. Once you opt-out, if you delete your browser’s saved cookies, you will need to opt out again.

    Options you select are browser and device-specific.

    Opting out using tools provided by Upgraded Points.

    Depending on the applicable laws where you reside, you may have the right to opt-out of Upgraded Points selling or sharing your Personal Information for cross-context behavioral advertising purposes and/or processing it for targeted or personalized advertising purposes.  You can exercise your right to opt out by, take the following steps: (1) Visit the Cookie Banner for the Upgrade Point website and manage your cookie preference and (2) complete and submit an opt-out request by visiting the “Click for Cookie Preferences” link on our website.

    Your cookie selections on the Cookie Banner are specific to the device, website, and browser you are using, and are deleted whenever you clear your browser’s cache. If you use another device or browser, you will need to opt out on each device and browser. Blocking or clearing cookies from your browser may remove your opt out settings, requiring you to opt-out again. After you have opted out, you may still see advertisements for Upgraded Points because not all advertisements are placed using cookies or Personal Information. For example, you may see contextual ads online such as those based on the topic and content of a webpage you visit. Other advertisements are published to third party websites and are visible to all visitors of that website.

    You can ask us to stop processing your Personal Information for purposes of targeted advertising or sale to third parties by submitting an opt-out request through the “Click for Cookie Preferences” link on our website.

    CONTACT US

    If you have questions, comments, concerns or feedback regarding this Cookies Policy, please contact us at mail@upgradedpoints.com.

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