How Snoozecard works

Last updated: October 4, 2026

This page explains, in plain language, exactly how Snoozecard works: what happens when you scan your email, how we detect trials, how virtual cards are issued and used, what data we store, and what we do not.

1. What Snoozecard does

Snoozecard helps you manage subscription free trials. It does two things:

• It watches your email inbox for trial signup confirmations and reminds you before your trial ends.
• It issues virtual payment cards that you can use for trial signups. Each virtual card has a spending limit and an expiry date. If a merchant tries to charge you after the card expires, the charge is declined automatically.

Using virtual cards for trials means that if you forget to cancel, a renewal charge made after the card expires is declined.

2. How Gmail scanning works

Snoozecard can work without connecting your email. If you choose to connect Google, it helps automatically detect trial confirmations and renewal reminders so you don't have to enter subscriptions manually. Connecting Google is optional.

If you connect your Gmail account, Snoozecard uses the official Gmail API from Google to read incoming emails. This connection uses OAuth 2.0, the standard secure way for apps to access Google services. You approve the connection in your own Google account, and you can revoke access anytime from your Google security settings.

What we ask for

We request read-only access to your Gmail. We cannot send emails on your behalf, delete emails, or modify anything in your account.

How we filter

We use a combination of sender information, email metadata, and message content to identify potential trial confirmations. Emails outside those patterns are not opened.

How often

Snoozecard periodically checks for new matching emails in the background. You can also trigger a manual scan from inside the app.

3. How trial detection uses AI

When we find an email that looks like a trial signup, we need to understand it. Is this actually a trial? What is the merchant? When does the trial end? What will the user be charged?

We use an AI model to answer these questions. Snoozecard sends only the minimum information needed to determine whether an email contains a subscription trial and extract relevant details such as the merchant name and renewal date.

We only use AI providers whose terms prohibit training their models on the data we send.

4. How virtual cards work

A Snoozecard is a real payment card, not a fake number. It has a card number, an expiry date, and a CVV, just like the card in your wallet. Some merchants restrict the types of cards they accept, so a Snoozecard may not work everywhere.

Spending limits

Each Snoozecard has a maximum spending amount that you set when you create it. If a merchant tries to charge more than this, the charge is declined.

Expiry dates

You choose when the card expires, for example after 7, 30, or 90 days. After the expiry date, no charges can go through, even if the card still has funds available.

Merchant lock

You can optionally lock a card to a single merchant. Once locked, only that merchant can charge the card. Even if another merchant somehow gets your card number, they cannot use it.

Funding

Snoozecards are funded from a source you connect during signup. When a merchant charges a Snoozecard, funds are pulled from your funding source and delivered to the merchant. There is no prepaid balance you need to top up.

5. Our card issuing partner

Snoozecard won't print physical cards or hold any of your money directly. Cards will be issued by a regulated card issuing partner that holds the licences and payment network access needed to issue them.

When you create a Snoozecard, our backend will request a new card from our partner. The partner generates the card number, expiry date, and CVV and holds the full card details. Money moves through the partner's regulated systems, not ours.

6. What data we store

Here is a complete list of the data Snoozecard keeps in our own databases:

• Your email address and authentication token
• Your name, if you signed in with Apple or Google
• Metadata about your Snoozecards: label, amount, expiry date, merchant lock, last 4 digits of the card number
• Metadata about detected trials: merchant name, trial start and end dates, expected charge amount, and the action you took
• Timestamps of when you connected Gmail and when we last scanned it
• Basic device information: device type, operating system version
• Usage patterns: which screens you visit and when you open the app
• If you joined the waitlist: your email address and the time you signed up

7. What we do not store

Just as important as what we store is what we deliberately do not:

• Full card numbers or CVVs. These are held only by our card issuing partner.
• The content, subject lines, sender addresses, or attachments of your Gmail messages. Only the extracted structured fields are saved.
• Your Gmail password or any credentials. We use OAuth tokens instead.
• Location data. Snoozecard does not track where you are.
• Contact lists, photos, calendar, or any other data outside what is described on this page.
• Your funding source details. These are held by our card issuing partner.

8. Third parties we use

Snoozecard is built on the work of others. Here are the services we depend on and what they do:

Google (Gmail API)

Provides read-only access to your inbox. Data flow: our servers send filtered search queries to Google's Gmail API. Google returns matching messages. We process them and discard the raw content.

AI service provider

Parses trial emails into structured data. Data flow: we send the subject line and the first several hundred characters of a candidate trial email. The provider returns a structured result and doesn't train its models on this data.

Card issuing partner

Issues and manages the virtual cards. Data flow: we send them your name, email, and funding source details for identity verification and fraud prevention. They hold the full card details and send us transaction events and the last 4 digits of each card.

Cloud infrastructure

Snoozecard runs on secure cloud infrastructure hosted by trusted providers. All data at rest is encrypted.

Email delivery provider

Sends account, security, and waitlist emails on our behalf. To send each email, it receives your email address and the content of the message.

Error monitoring provider

Captures crash reports and errors so we can fix bugs. Reports include technical details such as the type of error and where in the code it happened. We don't attach your name, email address, or account ID, IP addresses aren't stored, and passwords and tokens are removed before a report is saved.

We'll give you the names of these providers if you ask. Email privacy@snoozecard.com.

9. Security practices

Snoozecard follows these security practices:

• All traffic between your device and our servers uses HTTPS.
• Session tokens and one-time sign-in and recovery codes are hashed before they're stored.
• Gmail OAuth tokens will be encrypted at rest when Gmail scanning is enabled.
• Full card numbers are never stored on our servers. If our database were ever breached, no card numbers would be exposed.
• Access to production systems requires multi-factor authentication.
• Code repositories are monitored for known vulnerabilities in dependencies.

10. Your control over your data

You can do the following at any time from inside the app or by emailing privacy@snoozecard.com:

• Disconnect Gmail. This immediately stops all email scanning.
• Close or freeze individual Snoozecards.
• Request a full copy of the data we hold about you.
• Ask us to correct or delete specific data.
• Delete your entire account. This removes your personal data within 30 days.
• Change your notification preferences.

11. How we make money

Snoozecard isn't available yet. Our planned pricing is a two-tier model, shown on our Pricing page:

• A free tier with a limited number of active Snoozecards, suitable for occasional users.
• A paid tier with unlimited Snoozecards and additional features, priced as a monthly subscription.

We do not sell user data. We do not show ads. We do not take referral commissions from merchants. Our incentives are aligned with yours: the better we protect your money, the more likely you are to pay for the service.

Any changes to this model will be announced at least 30 days in advance, in the app and by email.

Questions

If anything on this page is unclear, or if you spot something you think is wrong or misleading, please email transparency@snoozecard.com. We take transparency seriously and will update this page when we improve or correct things.