Privacy Policy
Last updated: November 10, 2026
Ruby helps you get the most from your credit cards. This policy explains what we collect, why, and the choices you have.
Who we are
Ruby is run by Henry Cheung. Questions go to rubyapp@mobilemetcon.com.
What we never collect
Ruby never stores full card numbers, CVVs or bank logins. When bank connections are available, you sign in on your bank's own page through Plaid, and we never see your login.
What we collect
- Launch sign-ups: your name and email, if you ask to hear when Ruby launches.
- Your account: your name, email and date of birth. If you sign in with Apple or Google, we receive the details you choose to share.
- Your cards: which cards you hold, any last 4 digits or nickname you add, and your card order.
- How you use your benefits: credits you mark as used, and anything you log, such as dates, places, guests, who you traveled with, and amounts saved.
- Member numbers: numbers you save, such as hotel, airline, rental car and Known Traveler numbers.
- Connected card data, if you connect your cards: through Plaid, we receive account details such as the last 4 digits, and your card transactions. We keep them so you can see your card activity in Ruby, and to find credits, annual fees and spending toward card benefits. We only ask for credit card accounts. When you disconnect a bank or delete your account, its transactions are deleted.
- Ask, when available: your questions and Ruby's answers.
- Messages to us: what you send when you contact support.
- Technical data: our website and service providers may process details such as your IP address and browser type to run the service and keep it secure.
How we use it
- To run Ruby: show your credits, totals and reminders.
- To confirm you're 18 or older. We also keep your date of birth so Ask can mention birthday perks if you ask about them.
- To personalize Ask answers using your cards, credits and past conversations.
- To tell you when Ruby launches, and to send you service messages.
- To answer support requests, fix problems and improve Ruby.
- To keep Ruby secure and meet legal duties.
Who we share it with
We don't sell your personal information. We share it only with companies that help us run Ruby, or when the law requires it. Depending on the features you use, they include:
- Plaid, to connect your cards. Plaid's own privacy policy applies to its service.
- Apple and Google, for sign-in, app delivery and payments. We also use Google to store launch sign-ups.
- Anthropic, which provides the AI behind Ask. Your question and the card details needed to answer it are sent to it.
- Hosting, database and email providers that run our website, servers and messages.
If Ruby is sold or merged, your information may move to the new owner under this policy.
How long we keep it
We keep your information while your account is open. When you delete your account, we delete your information unless we must keep some of it by law. Launch sign-ups are deleted on request.
Security
Saved member numbers are encrypted on your phone, and we limit what we collect. No service can promise perfect security, so please use a strong password and keep your phone locked.
Your choices
- Connecting your cards is optional, and you can disconnect them. We disconnect a free connection if you don't open Ruby for 30 days.
- You can edit or remove your cards, logs and member numbers in the app.
- Reminders are off until you turn them on.
- You can ask to see, correct or delete your information by writing to rubyapp@mobilemetcon.com. Depending on where you live, you may have further rights under local law.
Age limit
Ruby is for people 18 and older. We don't knowingly collect information from anyone younger.
Changes
If we change this policy, we'll update the date above. For important changes, we'll let you know in the app or by email.