Dosh's card-linked model provides the most comprehensive view into your spending. By linking credit and debit cards, Dosh sees all transactions on those accounts—not just purchases at partner merchants. This creates complete spending profiles far more detailed than receipt-scanning apps.
| Data Type | Collected | Shared | Sold |
|---|---|---|---|
| All Card Transactions | Every purchase | Payment processor | Spending analytics |
| Merchant Categories | Where you spend | Partner merchants | Consumer research |
| Spending Amounts | Transaction values | Financial analytics | Market data |
| Transaction Timing | Dates, times | Behavioral analytics | Pattern analysis |
| Location Data | Transaction locations | Mapping services | Location analytics |
Linking your card grants access to ALL transactions—not just those at cashback merchants. Dosh sees every purchase: groceries, gas, subscriptions, medical expenses, and everything else you buy with that card.
Complete transaction data enables detailed financial profiling: spending habits, income patterns, lifestyle indicators, and financial health signals. This data is valuable to marketers and financial services.
Card linking often uses Plaid or similar services, which may access additional banking data beyond transactions. This can include account balances and other financial information.
Transaction data flows to payment processors, card-linked offer networks, and merchant partners. Your spending behavior is shared with multiple third parties in the cashback ecosystem.
You can unlink cards to stop data collection, though historical data may be retained. This provides some control over ongoing data access.