Privacy and Policy

Last updated: 11/11/2025

This Privacy and Cookie Policy explains how Select Creditus (“we”, “us”, “our”) collects, uses, shares, and protects information when you visit or interact with selectcreditus.com.

By using our website, you agree to this Policy and to our Terms of Use. If you do not agree, please discontinue use of the site.

To learn more about our mission and editorial standards, visit our About page. For questions or privacy requests, use the Contact page and mention “Privacy” in your message.

Who We Are

Data Controller: Select Creditus, operator of the website selectcreditus.com.

We publish educational content about credit cards and financial products. We are not a bank, card issuer, or financial institution, and we do not analyze, approve, or deny credit applications.

How to Reach Us

For privacy questions, rights requests, or complaints, please use the Contact page and clearly state that your inquiry refers to data protection.

If you are located in the EEA or UK and need information about our representative or additional contact details, send us a request via Contact and we will provide the appropriate information as required by law.

Scope and Applicability

This Policy covers the Select Creditus website and any features, articles, and communications that we control directly.

It does not cover third-party websites, apps, services, or embedded content that we link to or display, such as external videos, widgets, comparison tools, or advertiser pages. Those services have their own privacy policies.

Our content may appear in different languages, including Portuguese and English. Regardless of language, the same privacy rules described here apply to all processing activities connected to selectcreditus.com.

Personal Data We Collect

Information You Provide

When you interact with our site, you may choose to share information such as your name, e-mail address, or other details in text fields. This usually happens when you send a message through the Contact page, subscribe to newsletters, or participate in forms and surveys we make available.

If comments or other user-generated features are enabled, any content you post may also be stored together with technical information like date, time, and IP address.

Preferences saved in our cookie banner or consent management platform (CMP) are also associated with your browser or device so that we can remember your choices.

Information Collected Automatically

When you load our pages, technical information is automatically recorded, for example device type, browser, operating system, language, and basic configuration data.

We also receive usage data such as IP address, approximate location at country or region level, pages visited, time spent on each page, scroll depth, clicks, and navigation paths. These metrics help us understand how the site is used and where improvements are needed.

Cookies, SDKs and Similar Technologies

Our website uses cookies, local storage, pixels, tags, and similar technologies to keep the site running, remember preferences, measure performance, and support advertising and analytics. These tools store identifiers and settings on your browser or device.

Information from Third Parties

Analytics providers, advertising technology partners, and affiliate networks may share aggregated or pseudonymous data with us. This information is used to measure audience size, detect fraud, and optimize campaigns and content. It does not identify you directly in our systems.

Sensitive Personal Data

We do not intentionally collect sensitive information such as health data, biometric identifiers, precise geolocation, or data about children. Please avoid including such details in messages or uploads. If we become aware that we hold sensitive data without a valid legal basis, we will remove or minimize it as required by law.

How We Use Personal Data

Personal data is processed only for specific, legitimate purposes and in accordance with applicable privacy laws.

Main Uses

We keep the site online, stable, and secure, monitor performance, and fix technical issues.

Messages received through Contact or other forms are used to respond, provide support, and follow up on your requests.

Language settings, cookie preferences, and other choices are stored so that your experience becomes more consistent on future visits.

Usage data feeds analytics and measurement reports, which guide improvements to layout, content, and navigation.

Logs and security tools help us detect fraud, abuse, and harmful behavior, and allow us to protect our rights and those of our users and partners.

We also process information when necessary to comply with legal obligations, respond to authorities, or enforce our Terms of Use.

Legal Bases for Processing (EEA/UK)

Where the GDPR or UK GDPR applies, we rely on different legal grounds depending on the type of processing.

Consent is used for non-essential cookies, certain analytics and advertising operations, and some direct marketing, where required. You can withdraw consent at any time using our cookie tools or by contacting us.

Contractual necessity applies when we answer your requests or provide services that you have asked for, such as responding to a message.

Legitimate interests support activities like running, protecting, and improving the site, so long as these interests do not override your fundamental rights and freedoms.

Legal obligation justifies processing when we must keep records, handle legal claims, or respond to official requests.

Cookies and Tracking Technologies

What Cookies Are

Cookies are small text files stored on your device that contain identifiers and settings related to your visit. Technologies such as local storage, pixels, and tags work in a similar way and are grouped as “cookies” in this Policy for simplicity.

Types of Cookies We Use

Strictly necessary cookies keep the core functions of the site active and support security features. Without them, some pages may not work correctly.

Functional cookies remember choices like language, region, and cookie preferences, helping the site adapt to you.

Performance and analytics cookies collect statistics on how visitors use the site, which pages attract more interest, and where users encounter errors. This information is aggregated and does not focus on individual profiles.

Advertising and measurement cookies assist with ad delivery, frequency capping, brand safety checks, and campaign measurement. Where required by law, they only run after you grant consent.

Cookie Duration

Session cookies remain active only while the browser is open and disappear when you close it.

Persistent cookies stay on your device for a longer period, defined by each provider, or until you delete them via browser settings or privacy tools.

Managing Preferences via CMP

Our cookie banner or consent management platform allows you to accept, reject, or customize non-essential cookies and participating vendors. When Google Consent Mode v2 or similar frameworks are in use, your choices are reflected in how analytics and advertising tags behave. You can revisit and adjust your preferences at any time using the banner or a dedicated settings link, where available.

Browser Controls, Do Not Track and Global Privacy Control

Most browsers let you block or remove cookies and limit tracking scripts. You can also use built-in privacy features, extensions, and private browsing modes.

Where legally required, we honor supported signals such as Global Privacy Control (GPC). “Do Not Track” headers are not applied consistently across the web, so we suggest relying on the CMP and browser tools for more reliable control.

Analytics

Google Analytics 4

We use Google Analytics 4 (GA4) and similar services to understand how visitors interact with our content. These tools collect pseudonymous identifiers, event data, and technical information to generate aggregate reports about traffic and engagement.

Data Retention and IP Practices

Analytics data is kept only for the period necessary to study trends, plan improvements, and produce internal metrics. Retention settings are adjusted to avoid keeping information longer than needed. IP addresses, where processed, are handled in a way that prevents full storage in standard GA4 reports.

Opting Out of Analytics

You can reduce analytics tracking by refusing analytics cookies in our banner, using browser settings that block cookies or JavaScript, or by relying on tools offered by analytics providers, when available. Doing so may affect how some features behave but will not block access to core content.

Data Sharing and Recipients

Service Providers and Processors

Certain companies help us run the site, such as hosting providers, security services, analytics platforms, content delivery networks, and e-mail or support tools. These service providers act under contracts that restrict how they use personal data and require appropriate security safeguards.

Analytics, Advertising and Affiliate Partners

Limited pseudonymous information may be shared with analytics, advertising, and affiliate partners so that they can measure campaigns, prevent abuse, and improve delivery. Any such sharing respects your consent choices and local legal requirements.

Legal Requirements and Protection of Rights

Information may be disclosed when needed to comply with laws or regulations, respond to valid requests from authorities, enforce our Terms of Use, or protect the rights, property, and safety of Select Creditus, our users, or the public.

Business Transfers

If Select Creditus undergoes a merger, reorganization, acquisition, or sale of assets, user information may be transferred as part of the transaction. In that case, the data will remain subject to this Policy or to another policy that offers comparable protection.

Your Privacy Rights

Privacy laws in your region may grant specific rights over your personal data. We will handle requests in line with the rules that apply to your jurisdiction.

EEA and UK (GDPR / UK GDPR)

Individuals in the European Economic Area and the United Kingdom may have the right to access their personal data, request correction of inaccurate information, ask for deletion in certain cases, and request that processing be restricted.

You may also have the right to object to processing based on legitimate interests, request data portability, withdraw consent where consent is the legal basis, and lodge a complaint with a supervisory authority.

California (CPRA / CCPA)

Residents of California may be able to request access to personal information we hold, ask for deletion, request correction of inaccurate records, and obtain information about how data is collected, used, and disclosed. They may also have the right to opt out of “sale” or “sharing” of personal information for cross-context behavioral advertising and to limit the use of sensitive personal information where applicable.

Nevada and Other Regions

Nevada residents may have the right to opt out of certain sales of “covered information” as defined by state law. Even though we do not generally sell personal information in that sense, we will record and respect any opt-out request.

Other countries or states may grant additional rights. You can contact us via the Contact page to learn which rights apply to you and how to exercise them.

How to Exercise Your Rights

To submit a privacy request, send us a message using the Contact page and mention your country or state, along with the right you wish to exercise. We may request additional details to verify your identity or confirm that you are authorized to act on someone else’s behalf.

We aim to respond within the deadlines set by law and will explain our decision, including reasons if we cannot fully meet your request. Where applicable, we will also describe any available appeal options.

Data Retention

Personal data is kept only for as long as necessary to fulfill the purposes described in this Policy, including security, legal, and reporting obligations. Once information is no longer needed, it is deleted, anonymized, or stored in a way that reduces identification to the minimum required by law.

Data Security

We apply administrative, technical, and physical safeguards appropriate to the nature of the data, such as access controls, monitoring, and secure hosting environments. These measures aim to reduce the risk of unauthorized access, loss, misuse, or alteration.

No system is completely immune to incidents, and data transmitted over the internet always carries some level of risk. We encourage you to use updated software, strong passwords, and other basic security practices on your own devices.

International Data Transfers

Our service providers and partners may operate from countries different from yours, including jurisdictions that may not offer the same level of data protection as your home country.

When the law requires specific safeguards for international transfers, we rely on mechanisms such as Standard Contractual Clauses or equivalent measures to help protect your information.

Children’s Privacy

The content on Select Creditus is intended for a general audience and is not directed to children under 13 years of age, or a higher age where local law sets a different threshold. We do not knowingly collect personal data from children.

If you believe that a child has provided personal information through our site, please contact us and we will take appropriate steps to remove the data, consistent with legal requirements.

Third-Party Links and Social Features

Articles on our site may include links to external pages, embedded content, or social media features. We do not control how those third parties collect or use data, and their practices are governed by their own privacy policies. Before interacting with external services, we recommend reviewing the privacy information they provide.

Changes to This Policy

We may update this Privacy and Cookie Policy from time to time to reflect changes in our services, technologies, or legal obligations. The date at the top of this page shows when the latest revision took place. Material updates will be highlighted on this page or communicated by additional notice where required. Continued use of the site after changes become effective means that you accept the revised Policy.

Contact Us

For questions about this Privacy and Cookie Policy, to exercise a privacy right, or to submit a concern, please contact us through the Contact page on selectcreditus.com and include “Privacy” in the subject line or message body. You can also consult our Terms of Use and About pages for more information about how the site operates.