Privacy Policy

Last updated: March 2026

Credibrate (“we”, “us”, “our”) operates the website credibrate.com and credibrate.co.uk. This policy explains what data we collect, why, and how we handle it.

Summary

We collect as little data as possible. Calculator inputs are processed entirely in your browser and are never sent to our servers. We use privacy-friendly analytics that do not track you across sites. If you click an affiliate link, we log the click anonymously to measure the effectiveness of our partnerships.

What we collect

Calculator usage

All calculator inputs and results are processed client-side in your browser using JavaScript. We do not send, store, or have access to any values you enter into our calculators. Your financial data stays on your device.

Analytics

We use Plausible Analytics to understand how the site is used — which pages are visited, which countries visitors come from, and basic performance metrics. Plausible does not use cookies, does not collect personal data, and does not track individual users across sites. No personally identifiable information is collected or stored by our analytics.

Display advertising

We display advertisements provided by third-party ad networks. These networks may use cookies and similar technologies to serve ads relevant to your interests. When ad services are active on the site, a cookie consent banner will appear allowing you to accept or reject non-essential cookies. You can change your preferences at any time.

The ad networks we work with include Google AdSense and Mediavine. Their respective privacy policies govern how they handle data collected through their services:

• Google AdSense: https://policies.google.com/privacy
• Mediavine: https://www.mediavine.com/privacy-policy/

Affiliate link clicks

When you click an affiliate link on our site (e.g. a link to a mortgage broker), we log the click to measure whether our partnerships are working. The information logged is: which link was clicked, the date and time, and the page you were on. We do not log your IP address, and the click data is not linked to any personally identifiable information.

Contact form and email

If you email us or use our contact page, we retain the correspondence to respond to your enquiry. We do not use contact information for marketing.

Cookies

Our core site functionality does not require cookies. Cookies may be set by:

• Display ad networks (if you consent): used to serve relevant advertisements
• Cloudflare (functional): used for security and performance; these are strictly necessary and do not track users

You can manage cookie preferences through the consent banner displayed on the site, or through your browser settings.

Your rights under UK GDPR

Under the UK General Data Protection Regulation, you have the right to:

• Access the personal data we hold about you
• Rectification of inaccurate personal data
• Erasure of your personal data (“right to be forgotten”)
• Restrict or object to processing of your personal data
• Data portability — receive your data in a structured, machine-readable format

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

Data retention

• Analytics data: aggregated, non-personal, retained indefinitely
• Affiliate click logs: retained for 12 months, then deleted
• Contact correspondence: retained for 12 months after the enquiry is resolved

Children

Credibrate is not directed at children under 16. We do not knowingly collect personal data from children. If you believe we have collected data from a child, contact us and we will delete it promptly.

International transfers

Analytics and ad network data may be processed outside the UK by Cloudflare (US-based) and ad network partners. These transfers are governed by appropriate safeguards including Standard Contractual Clauses.

Changes to this policy

We may update this policy from time to time. The “last updated” date at the top of this page indicates when the most recent changes were made. Continued use of the site after changes constitutes acceptance of the updated policy.

Contact

For any privacy-related questions or requests, contact us at [email protected].

Data controller: Credibrate, United Kingdom.