私隱政策 Privacy Policy

最後更新：2026 年 3 月 8 日 Last updated: 8 March 2026

1. 概覽 1. Overview

本私隱政策適用於本應用程式。使用本應用程式即表示你同意本政策所述之資料收集及使用方式。我們致力保護你的私隱，並僅收集提供服務所需的最少資料。

This Privacy Policy applies to this application. By using the application, you agree to the data collection and usage practices described herein. We are committed to protecting your privacy and collect only the minimum data necessary to provide our services.

2. 收集的資料 2. Data We Collect

本應用程式可能收集以下類別的資料： This application may collect the following categories of data:

• 帳號資料：透過 Apple 或 Google 登入時提供的電郵地址、顯示名稱及帳號識別碼。 Account data: email address, display name, and account identifier provided when signing in via Apple or Google.
• 使用資料：你所選擇的信用卡、消費類別偏好、回贈分配設定及交易記錄。 Usage data: your selected credit cards, spending category preferences, rebate allocation settings, and transaction records.
• 裝置資料：用於錯誤報告（Firebase Crashlytics）的裝置型號、作業系統版本及崩潰日誌。匿名使用統計資料（Firebase Analytics）。 Device data: device model, operating system version, and crash logs for error reporting (Firebase Crashlytics). Anonymous usage statistics (Firebase Analytics).
• 意見回饋：你透過應用程式內意見功能提交的文字及圖片。 Feedback: text and images you submit through the in-app feedback feature.

3. 資料用途 3. How We Use Your Data

我們使用所收集的資料用於以下目的： We use the data we collect for the following purposes:

• 提供及維護核心應用功能（信用卡回贈計算、交易記錄）。 To provide and maintain core app features (credit card rebate calculations, transaction records).
• 在你的裝置之間同步你的設定及資料。 To sync your settings and data across your devices.
• 改善應用程式質素、修復錯誤及優化效能。 To improve app quality, fix bugs, and optimise performance.
• 回應你提交的意見回饋。 To respond to your submitted feedback.
• 產生匿名的匯總統計資料，用於改善服務。 To generate anonymous, aggregated statistics to improve services.

我們保留使用匿名及匯總資料進行分析、研究及服務改善的權利，且不受時間限制。 We reserve the right to use anonymous and aggregated data for analysis, research, and service improvement without time limitation.

4. 資料儲存及分享 4. Data Storage and Sharing

• 你的資料儲存於 Google Firebase 基礎設施（Cloud Firestore），伺服器位於 Google Cloud Platform。 Your data is stored on Google Firebase infrastructure (Cloud Firestore), with servers located on Google Cloud Platform.
• 我們不會向第三方出售、出租或交易你的個人資料。 We do not sell, rent, or trade your personal data to third parties.
• 我們可能會在法律要求或保護權利時，按法律規定披露資料。 We may disclose data as required by law or to protect our rights.
• 第三方服務供應商（Firebase、Google Cloud）可能按其各自的私隱政策處理資料。 Third-party service providers (Firebase, Google Cloud) may process data in accordance with their respective privacy policies.

5. 帳號刪除及資料保留 5. Account Deletion and Data Retention

你可以隨時透過應用程式內的「刪除帳號」功能要求刪除你的帳號。 You may request account deletion at any time through the in-app "Delete Account" feature.

• 提交刪除請求後，你的帳號將進入 7 天待刪除期。 After submitting a deletion request, your account enters a 7-day pending deletion period.
• 在 7 天內重新登入將自動取消刪除請求。 Signing in again within 7 days automatically cancels the deletion request.
• 不會發送電郵通知。 No email notifications will be sent.
• 7 天寬限期屆滿後，你的帳號及所有相關資料（包括交易記錄、設定及意見回饋）將被永久刪除。 After the 7-day grace period, your account and all associated data (including transaction records, settings, and feedback) will be permanently deleted.
• 匿名及匯總資料可能在帳號刪除後保留。 Anonymous and aggregated data may be retained after account deletion.
• 崩潰報告及診斷日誌按 Firebase 標準保留政策處理，通常為 90 天。 Crash reports and diagnostic logs are retained per Firebase standard retention policies, typically 90 days.

6. 安全措施 6. Security Measures

我們採取商業上合理的措施保護你的資料，包括 Google Firebase 安全規則及加密傳輸。然而，沒有任何網際網路傳輸或電子儲存方式是百分百安全的。我們無法保證絕對安全性。

We employ commercially reasonable measures to protect your data, including Google Firebase security rules and encrypted transmission. However, no method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security.

7. 兒童私隱 7. Children's Privacy

本應用程式不面向 13 歲以下兒童，我們亦不會故意收集兒童的個人資料。如你認為我們無意中收集了兒童的資料，請聯絡我們。

This application is not directed at children under 13, and we do not knowingly collect personal data from children. If you believe we have inadvertently collected data from a child, please contact us.

8. 免責聲明 8. Disclaimer

• 本應用程式按「現狀」提供，不作任何明示或暗示之保證。 This application is provided "as is" without any express or implied warranties.
• 開發者不對使用本應用程式（即使因為提供的資訊不正確或錯誤）所引起的任何直接、間接、附帶、特殊或後果性損害承擔責任。 The developer shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of this application, even if the information provided is inaccurate or erroneous.
• 本程式的所有資訊（包括但不限於信用卡回贈計算結果）僅為根據公開資料，依照主觀理解整理所得，僅供參考。而且並不構成財務建議。實際回贈以銀行條款為準。 All information in this application (including but not limited to credit card rebate calculations) is compiled from publicly available data based on subjective interpretation, for reference only. It does not constitute financial advice. Actual rebates are subject to the terms of the respective banks.
• 請自行閱讀有關條款細則或向各金融機構了解查詢。 Please read the relevant terms and conditions or consult the respective financial institutions directly.
• 開發者在法律允許的最大範圍內排除一切責任。 The developer disclaims all liability to the fullest extent permitted by law.

9. 政策更新 9. Policy Updates

我們可能會不時更新本私隱政策。更新後的政策將在應用程式內生效。繼續使用本應用程式即表示你接受更新後的政策。

We may update this Privacy Policy from time to time. The updated policy will take effect within the application. Continued use of the application constitutes acceptance of the updated policy.

10. 聯絡我們 10. Contact Us

如對本私隱政策有任何疑問，請透過應用程式內的意見回饋功能或電郵 support@highcardhk.com 聯絡我們。

If you have any questions about this Privacy Policy, please contact us through the in-app feedback feature or email support@highcardhk.com.