Privacy and Policy

Last updated: 01/09/2026

This Privacy Policy explains how Select Creditus (“we”, “our”) collects, uses, stores, and shares information when you access and use selectcreditus.com (the “Site”).

We take privacy seriously and aim to be transparent about what information is processed, why it is processed, how long it is retained, and what controls you can use to manage preferences—especially regarding analytics and advertising.

By using the Site, you confirm that you have read and understood this Policy.
If you do not agree with any part of it, we recommend that you stop using the Site.

Who we are

Select Creditus is an informational content website.
To keep the Site running, we may display ads and use analytics tools to understand how pages perform and to improve user experience.

Data controller: Select Creditus (Site operator).

How to contact us

If you have questions about privacy, would like to make a data request, or want to report a concern, contact us using:

Contact page: use the contact form available on the Site.

To help us respond faster, you may use the subject line: “Privacy – Select Creditus”.

Scope and applicability

This Policy applies to personal data processing carried out when you:

visit any page on the Site;
interact with content, forms, buttons, or Site features;
contact us;
view ads displayed on the Site.

The Site may contain links to third-party websites.
This Policy does not apply to third-party sites.
We recommend reviewing their privacy policies when you leave our Site.

Personal data we collect

1) Information you provide

You may provide information directly when you:

fill out forms (for example, a contact form);
send messages, requests, or feedback.

Depending on the situation, this may include:
name, email address, phone number (if provided), message content, and any other information you choose to submit.

2) Information collected automatically

When you access the Site, some information may be collected automatically through standard web technologies and analytics/security tools, such as:

IP address and approximate location information (for example, city/region inferred from IP);
device type, operating system, browser, and language;
pages viewed, time spent, clicks, and interactions;
traffic source (for example, referrer website, campaign data, UTM parameters when present);
technical identifiers and events (for example, errors, performance, page load signals).

These data are primarily used for Site analytics, security, improvements, and aggregated reporting.

3) Cookies, SDKs, and similar technologies

We may use cookies, pixels, tags, SDKs, and similar technologies to:

make the Site work properly;
understand how the Site is used;
measure performance and identify improvements;
deliver advertising and measure results (when applicable).

Cookies and tracking technologies

What are cookies?

Cookies are small files stored in your browser or device when you visit a website.
They help remember preferences, keep features working, and collect information about Site usage.

Types of cookies we may use

Essential (necessary): required for core functionality and security.
Performance/Analytics: help us understand usage and Site performance (for example, aggregated metrics).
Functional: remember preferences and improve experience.
Advertising: may be used to deliver ads, limit frequency, measure performance, and—depending on your choices—personalize ads.

Cookie duration

Cookies can be:

Session cookies: expire when you close your browser;
Persistent cookies: remain for a set period or until you delete them.

How to manage cookies

You can control cookies in several ways:

through your browser settings (block, allow, delete cookies);
through device privacy settings;
when available, by using the Site’s cookie banner/preference center.

Please note:
blocking certain cookies may impact Site functionality.

Third-party information

We may receive limited information from third parties, for example:

when analytics and advertising services provide aggregated performance reports;
for fraud/abuse protection and invalid traffic detection;
when technical providers (for example, hosting, CDN, security) log operational events.

Such information is generally used to operate the Site securely, measure performance, and maintain service quality.

How we use personal data

We may use personal data and technical data to:

Operate the Site and deliver requested content;
Improve performance, layout, speed, and user experience;
Run analytics and create aggregated reports (for example, most visited pages);
Respond to messages and requests you send;
Prevent fraud, abuse, malicious activity, and enhance security;
Comply with legal obligations and enforce our rights when necessary;
Advertising and measurement (when applicable), including showing ads, capping frequency, and measuring performance.

Legal bases for processing

We process personal data based on applicable legal grounds, which may include:

Consent (for example, where required for certain cookies/technologies);
Legitimate interests (for example, improving the Site, security, fraud prevention, and aggregated reporting), where applicable and proportionate;
Compliance with legal/regulatory obligations;
Establishment, exercise, or defense of legal claims;
Steps prior to entering a contract related to your request (for example, responding to a message).

Where consent is the applicable legal basis, you may withdraw your consent at any time using available settings (for example, browser controls or the Site’s preference center), without affecting the lawfulness of processing before withdrawal.

Analytics, Advertising, and Affiliate/Advertising Partners

Google Analytics 4

We may use analytics tools such as Google Analytics 4 to understand how the Site is used (for example, page views, navigation events, performance signals, and traffic sources).
In general, this information is used in aggregated form to improve the Site and evaluate content performance.

Google may process data collected through its technologies in accordance with its own policies and your settings.

How Google uses data on partner sites

For additional transparency, you can review Google’s official page explaining how Google uses information when you visit sites or use apps that use Google services (for example, Analytics and advertising services):

How Google uses information from sites or apps that use our services

Advertising (including Google)

The Site may display ads provided by advertising partners (including Google) to help keep the Site free and fund content production.

Advertising on the Site may involve:

serving contextual ads;
frequency capping (to avoid showing the same ad too often);
performance measurement (for example, impressions, clicks, and—when applicable—conversions);
depending on your settings and choices, ads may be more or less personalized.

Cookies used for advertising (Google and third-party vendors)

Third-party vendors, including Google, may use cookies or similar identifiers to serve ads based on a user’s prior visits to this Site or other websites.
Google’s use of advertising cookies enables it and its partners to serve ads based on your visits to this Site and/or other sites on the Internet.

Additional ad controls (Opt-out)

You can access additional controls for ad personalization and interest-based advertising using official resources:

Google My Ad Center: manage ad personalization and preferences (when applicable).
https://myadcenter.google.com/
AboutAds / DAA (interest-based advertising opt-out): opt out of interest-based ads from participating companies (by browser/device, where available).
https://optout.aboutads.info/

Note: you may still see ads after adjusting preferences, but they may be less relevant/personalized.

Sharing of data and recipients

We may share personal data and/or technical data in the following situations:

Service providers (processors): hosting, CDN, security, technical support, analytics, and monitoring tools as needed to operate the Site.
Advertising and measurement partners: to serve ads, measure performance, and prevent fraud/abuse.
Legal and regulatory: when required by law, court order, or valid request from competent authorities.
Protection of rights: when necessary to protect rights, safety, and integrity of the Site, users, and third parties.

We do not “sell” personal data in the traditional sense.
Where advertising technologies are used, certain technical sharing may occur to deliver and measure ads, consistent with applicable choices and settings.

Data retention

We retain personal data for as long as necessary to:

fulfill the purposes described in this Policy;
comply with legal/regulatory obligations;
resolve disputes and enforce agreements;
maintain security logs and prevent fraud/abuse.

When data is no longer needed, we take reasonable steps to delete or anonymize it, where applicable.

Data security

We use reasonable technical and organizational measures to protect information against unauthorized access, alteration, disclosure, or destruction.

However, no transmission or storage method is 100% secure.
If you suspect any suspicious activity, please contact us.

International data transfers

Some service providers (including analytics and advertising tools) may process data outside your country of residence, such as in the United States and other locations where they operate infrastructure.

Where applicable, we seek to use appropriate safeguards for such transfers in line with relevant laws.

Your privacy rights

Depending on your location, you may have rights regarding your personal data, including:

confirmation of processing;
access to data;
correction of incomplete, inaccurate, or outdated data;
deletion, anonymization, or restriction in certain cases (where applicable);
data portability (where applicable);
information about sharing;
withdrawal of consent (where applicable);
objection to certain processing in specific circumstances.

To exercise your rights, please use the contact channels listed in this Policy.
We may request additional information to verify your identity and protect your privacy.

EEA/UK (GDPR)

If you are located in the European Economic Area or the United Kingdom, you may have additional rights (including restriction of processing and the right to lodge a complaint with a data protection authority).

California (CPRA/CCPA)

If you are a California resident, you may have additional rights including access, deletion, and correction (as applicable), and the right to opt out of the “sale” or “sharing” of personal information in certain contexts.

For ad-related controls, you can also use:

Nevada and other U.S. states

Some U.S. states have specific privacy rules.
Where applicable, we will address requests in accordance with local laws.

Browser controls, Do Not Track, and Global Privacy Control

Some browsers provide signals such as “Do Not Track” (DNT) and the Global Privacy Control (GPC).
Because there is no universally adopted technical standard across all services, how these signals are handled may vary.

You can still manage cookies and ad personalization using browser/device settings and the opt-out links provided in this Policy.

Children’s privacy

The Site is not intended for children under 13.
We do not knowingly collect personal data from children.
If you believe a child has provided personal data, please contact us so we can review and remove such information where appropriate.

Changes to this Policy

We may update this Policy from time to time to reflect changes to the Site, technologies used, or legal requirements.
When we make material changes, we will update the “Last updated” date at the top of this document.

Contact

If you have questions, requests, or want to exercise privacy rights, contact us:

Contact page: use the contact form on the Site.