Privacy Policy

MyCreditFind (the “Site”) is operated by {{YOUR_LEGAL_NAME}} (the “Site Operator”). This Policy explains how we collect, use, share, and protect personal information when you use the Site. We are an independent editorial publisher and comparison service — we do not issue or broker financial products. All product offers on this Site are provided by third parties and are affiliate/sponsored links.

1) Who We Are (Solo Publisher)

Controller/Site Operator: {{YOUR_LEGAL_NAME}}
Contact: {{PRIVACY_EMAIL}}
Mailing address: {{YOUR_POSTAL_ADDRESS}}

If required by law, you may appoint an EU/UK representative or DPO. Add details here if applicable.

2) What We Collect

A. You provide

• Contact info (e.g., email) if you subscribe or contact us.
• Feedback/messages you send.
• Optional preferences (topics of interest).

B. Automatic

• Device/usage data (IP address, browser, device, pages viewed, timestamps, referrers/UTM).
• Cookies/pixels/SDKs for consent, analytics, performance, security, and affiliate attribution.

C. From partners

• Affiliate networks/merchants may return non-identifying attribution data (e.g., a conversion occurred).
• Credit score checker partners may confirm a successful referral but do not share your credit report or SSN with us.

We do not request or store sensitive financial identifiers (e.g., SSN) on this Site.

3) How We Use Information

• Operate, maintain, and improve the Site and content.
• Measure performance and affiliate attribution for sponsored links.
• Respond to inquiries and deliver newsletters (with consent where required).
• Detect/prevent fraud, abuse, and security incidents.
• Comply with law and enforce our terms.

4) Legal Bases (EEA/UK)

• Consent: non-essential cookies; email marketing.
• Legitimate interests: analytics, site improvement, affiliate attribution, security (balanced with your rights).
• Contract: to provide requested features.
• Legal obligation: recordkeeping, lawful requests.

5) When We Share

• Processors: hosting, analytics, email delivery, security, consent tools.
• Affiliate networks & merchants (sponsored): for click/conversion attribution.
• Credit score checker providers: you leave our Site; they are independent controllers of any data you submit.
• Legal/safety: if required by law or to protect rights and users.
• Business transfer: if we sell or restructure the Site.

6) Cookies & Similar Tech

We use first/third-party cookies and similar technologies. Manage preferences in our Cookie Policy or via the cookie banner.

Category	Purpose	Examples	Retention
Strictly Necessary	Consent storage, security, basic site features	Consent manager, load balancer	Session–12 months
Analytics/Performance	Usage measurement, content improvement	GA4 or similar	6–26 months
Affiliate/Attribution	Track outbound clicks & conversions	Affiliate network cookies/IDs	Per network defaults
Marketing (optional)	Newsletters/campaign metrics	Email provider tracking (with consent)	Per provider policy

7) Your Choices & Rights

Global

• Unsubscribe from emails via link in any message.
• Control cookies via our banner or your browser settings.

EEA/UK (GDPR)

You may request access, correction, deletion, restriction, portability, or object to processing; and withdraw consent. Submit a request at {{DSAR_PORTAL_URL}} or email {{PRIVACY_EMAIL}}. You can complain to your supervisory authority.

California (CCPA/CPRA)

• Right to know/access, delete, correct, and limit use of certain data.
• Opt out of “sale” or “sharing” (which may include cross-context behavioral advertising or affiliate tracking in some cases). Use: Do Not Sell or Share My Personal Information.
• No retaliation for exercising rights.

Other US State Laws

Similar rights may apply in VA/CO/CT/UT and others. Use {{DSAR_PORTAL_URL}}.

Children

This Site is not directed to children under 13 (or higher local age). We do not knowingly collect children’s personal information.

8) California Notice at Collection

Category	Examples	Purpose	Sold/Shared?	Retention
Identifiers	IP, cookie IDs, email (if provided)	Site operation, analytics, affiliate attribution	“Shared” for advertising/attribution; opt-out available	As needed or per contract
Internet Activity	Page views, clicks, device info	Analytics, security, debugging	Shared with analytics/partners	6–26 months typical
Commercial Info	Outbound clicks/offer interactions	Attribution and reporting	Shared with affiliate networks	Per network defaults
Inferences	Interest segments (high-level)	Content personalization	No “sale” without opt-out; limited use	Short, necessary

9) International Transfers

Data may be processed outside your country. Where required, we use Standard Contractual Clauses or equivalent safeguards with processors/partners.

10) Security

We use administrative, technical, and organizational safeguards (HTTPS, access controls, least privilege). No method is 100% secure; please use caution online.

11) Retention

We keep data only as long as needed for the purposes described or as required by law. When no longer needed, we delete or de-identify it.

12) Third-Party Sites & Sponsored Offers

All offers on this Site are from third parties and are affiliate/sponsored. When you click “See Offer,” you leave our Site and interact directly with those providers. Their privacy policies and terms apply to your data on their sites. We are not responsible for their practices.

13) Profiling/Automated Decisions

We may use limited analytics and on-site personalization. We do not make decisions with legal or similarly significant effects solely through automated processing.

14) Credit Score Checker (Third-Party)

Our “Credit Score Checker” links to independent providers. Soft inquiries (no score impact) may be used for estimates; full reports may require identity verification and a hard inquiry. We do not receive your credit report or SSN.

15) Marketing Communications

With consent where required, we may send newsletters/updates. Unsubscribe anytime via the email footer or by contacting {{PRIVACY_EMAIL}}.

16) Financial Privacy

We are a publisher/comparison service, not a bank or lender, and we do not provide financial services to consumers. If you submit information to a bank/lender, their privacy notices apply.

17) Do Not Track

We currently do not respond to browser “Do Not Track” signals. Use our cookie preferences and industry opt-outs to manage tracking.

18) Exercising Your Rights

Submit a request via {{DSAR_PORTAL_URL}} or email {{PRIVACY_EMAIL}}. We’ll verify your identity and respond within the time required by law. Authorized agents may submit on your behalf with proof of authority.

19) Changes to this Policy

We may update this Policy periodically. The “Last updated” date reflects the latest changes. Significant changes may be notified on the Site or by email where appropriate.

20) Contact