Privacy Policy
This Privacy Policy explains how RealCreditto ("we", "us" or "our") collects, uses, shares and protects personal information when you visit realcreditto.info (the "Website") or use any services, tools, forms or content available on it (together, the "Services").
By using the Website you acknowledge that you have read this Privacy Policy. If you do not agree with it, please do not use the Website.
1. Who we are
The data controller responsible for your personal information is:
RealCreditto
Email: privacy@realcreditto.info
2. Information we collect
2.1 Information you give us
- Contact details, such as your name, email address and phone number, when you fill in a form, subscribe to our newsletter or contact us.
- Information you enter into calculators, questionnaires or loan-matching forms, such as the desired loan amount, term, purpose, approximate income, employment status and country or region of residence.
- The content of messages you send us, including support requests, feedback and complaints.
2.2 Information collected automatically
- Technical data: IP address, browser type and version, device type, operating system, language settings and time zone.
- Usage data: pages viewed, links clicked, time spent on pages, referring website, and the date and time of your visit.
- Approximate location derived from your IP address (country or city level).
- Data collected through cookies and similar technologies, as described in Section 7.
2.3 Information from third parties
We may receive limited information from partners, such as confirmation that a visitor referred by us opened an application or became a customer. We use this to measure the performance of our Website and to receive referral fees. We do not receive your full application data or credit history from partners unless you have separately consented to it.
2.4 Information we do not collect
We do not ask for, and you should not submit through our Website, bank card numbers, online banking passwords, full government ID numbers or copies of identity documents. If a page claiming to be RealCreditto asks you for such information, please do not provide it and report it to us.
3. How we use your information and legal bases
| Purpose | Legal basis (where GDPR or similar laws apply) |
|---|---|
| Operating the Website and providing the Services you request, including calculators and matching tools | Performance of a contract or steps taken at your request |
| Showing you financial offers that may match the details you entered | Your consent or steps taken at your request |
| Responding to your questions and complaints | Legitimate interests; performance of a contract |
| Sending newsletters and marketing emails | Your consent, which you can withdraw at any time |
| Analyzing traffic and improving the Website | Legitimate interests; consent for non-essential cookies |
| Tracking referrals to partners and calculating fees | Legitimate interests |
| Preventing fraud, abuse and security incidents | Legitimate interests; legal obligations |
| Complying with laws, regulations and requests from authorities | Legal obligation |
We do not make decisions about you that produce legal or similarly significant effects based solely on automated processing. Any matching of offers on our Website is indicative only; the final decision on any application is made by the relevant provider.
4. How we share your information
We do not sell your personal information. We share it only in the following cases:
- Financial product providers and partners. Only when you click through to a partner or explicitly ask us to pass on your details. The partner then becomes a separate controller of your data.
- Service providers. Hosting, analytics, email delivery, customer support and security providers who process data on our behalf under written agreements and only on our instructions.
- Advertising and analytics partners. Through cookies and similar technologies, subject to your consent where required.
- Legal and safety reasons. Where required by law, court order or a request from a competent authority, or to protect our rights, users or the public.
- Business transfers. In connection with a merger, acquisition or sale of all or part of our business, in which case this Privacy Policy will continue to apply to your data.
5. International transfers
Some of our service providers may be located outside your country, including outside the European Economic Area. Where we transfer personal data internationally, we use appropriate safeguards such as the European Commission's Standard Contractual Clauses or transfers to countries recognized as providing an adequate level of protection.
6. How long we keep your information
- Form and enquiry data: up to 24 months after your last interaction with us, unless a longer period is required by law.
- Newsletter data: until you unsubscribe, plus a short period to record your opt-out.
- Analytics data: generally up to 26 months.
- Records needed for accounting, tax or legal claims: for the period required by applicable law.
After these periods we delete or anonymize the data.
7. Cookies and similar technologies
Cookies are small text files stored on your device. We use:
- Strictly necessary cookies to make the Website work and remember your cookie choices. These cannot be switched off.
- Analytics cookies (for example, Google Analytics) to understand how visitors use the Website.
- Marketing and affiliate cookies to measure advertising campaigns and track referrals to partners.
Where required by law, we ask for your consent before placing non-essential cookies. You can change your preferences at any time through the cookie banner or settings link on the Website, and you can block or delete cookies in your browser settings. Blocking some cookies may affect how the Website works.
8. How we protect your information
We use appropriate technical and organizational measures to protect personal data, including HTTPS encryption, access controls, and limiting access to staff and providers who need it. No method of transmission over the internet is completely secure, so we cannot guarantee absolute security. If we become aware of a data breach that affects your rights, we will notify you and the relevant authorities as required by law.
9. Your rights
Depending on where you live, you may have the right to:
- access the personal data we hold about you and receive a copy of it;
- correct inaccurate or incomplete data;
- request deletion of your data;
- restrict or object to certain processing, including processing based on legitimate interests and direct marketing;
- receive your data in a portable format;
- withdraw your consent at any time, without affecting processing carried out before withdrawal;
- lodge a complaint with your local data protection authority.
To exercise these rights, email privacy@realcreditto.info. We may need to verify your identity before responding. We will reply within one month, or within the period required by applicable law.
California residents
If the California Consumer Privacy Act (CCPA/CPRA) applies to you, you have the right to know what personal information we collect, use and disclose, to request deletion and correction, and to opt out of the sale or sharing of personal information. We do not sell personal information. Where our use of advertising cookies may be considered "sharing" for cross-context behavioral advertising, you can opt out through the cookie settings on the Website. We will not discriminate against you for exercising your rights.
10. Children
The Website is intended only for adults aged 18 or older. We do not knowingly collect personal data from anyone under 18. If you believe a minor has provided us with personal data, please contact us and we will delete it.
11. Third-party websites
The Website contains links to websites of lenders, partners and other third parties. We are not responsible for their content or privacy practices. Please read the privacy policy of any website you visit before providing your personal information.
12. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top shows when it was last changed. If we make significant changes, we will post a notice on the Website or notify you by email where appropriate.
13. Contact us
If you have any questions about this Privacy Policy or how we handle your data, contact us at:
RealCreditto
Email: privacy@realcreditto.info