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Privacy Policy

Last updated: 9 November 2026

This Privacy Policy explains what personal data is processed when you use the EU-Credits website https://eu-credits.com/ (the “Site”), why it is processed and what rights you have. It is written in accordance with the EU General Data Protection Regulation (GDPR).

1. Who is responsible for your data

The controller of personal data processed on the Site is SIA ESWA, registration number 42403044532, VAT number LV42403044532, address: Bralu Skrindu iela 9, Rezekne, LV-4601, Latvia. For any questions about your data, write to info (at) eu-credits.com or use the form on the Contact us page.

2. What EU-Credits does and does not do

EU-Credits is an information catalogue of lenders in Europe. We do not issue loans, do not take loan applications and do not ask for your financial details. You do not need to register to use the Site. When you apply for a loan, you do so on the lender’s own website, and the lender processes your data under its own privacy policy.

3. What data we process and why

3.1. Comments. If you leave a comment, we process the name, email address and comment text you enter, as well as your IP address and browser details, which WordPress stores to protect the Site from spam. Your name and comment are published on the Site; your email address and IP address are never published. Legal basis: your consent (Article 6(1)(a) GDPR), which you give by submitting the comment, and our legitimate interest in protecting the Site from abuse (Article 6(1)(f) GDPR). Comments are stored for as long as they are published; you can ask us to delete your comment at any time.

3.2. Messages through the contact form. If you contact us, we process your name, email address and the content of your message in order to reply. Legal basis: our legitimate interest in answering enquiries (Article 6(1)(f) GDPR). Messages are kept for up to 12 months after the conversation ends, unless a longer period is required by law.

3.3. Technical data. When you open the Site, your browser automatically sends technical data: IP address, browser and device type, operating system, the page requested, the referring page and the time of the request. This data is needed to deliver the pages, keep the Site secure and protect it from attacks. Legal basis: our legitimate interest in a secure and working Site (Article 6(1)(f) GDPR). Server log files are kept for no longer than 12 months.

3.4. Advertising. The Site shows ads through Google AdSense. With your consent, Google may use cookies to show ads based on your interests; without consent, only non-personalised ads based on the page content are shown. Legal basis: your consent (Article 6(1)(a) GDPR), which you can withdraw at any time in the cookie settings. More details are in our Cookies Policy.

3.5. Partner links. Most links to lenders on the Site are partner (affiliate) links. When you click such a link, you are taken to the lender’s website through a partner network, such as Adtraction or financeAds, which records the click so that the lender can pay us a commission. The partner network and the lender process this data as independent controllers under their own privacy policies. EU-Credits does not pass any of your personal data to them.

4. Service providers that receive data

To run the Site, we use the following providers, which may process your IP address and technical data on our behalf or as independent controllers:

  • Cloudflare, Inc. – content delivery network and protection against attacks;
  • Google Ireland Ltd. / Google LLC – Google AdSense advertising, Google reCAPTCHA spam protection in the comment form, and delivery of scripts (jQuery) through Google’s servers;
  • jsDelivr – delivery of the cookie consent banner files;
  • our hosting provider – storage of the Site and its database in the European Union.

Some of these providers are based in the United States. Data is transferred to them on the basis of the EU–U.S. Data Privacy Framework or the European Commission’s Standard Contractual Clauses (Articles 45 and 46 GDPR).

We do not sell your personal data, and we do not pass it to third parties for their own marketing. We may disclose data only when required by law, for example at the request of a court or a public authority.

5. Your rights

Under the GDPR, you have the right to:

  • obtain information about and a copy of the personal data we process about you;
  • have inaccurate data corrected;
  • have your data deleted, for example your comment;
  • restrict the processing of your data;
  • object to processing based on our legitimate interest;
  • receive your data in a portable format;
  • withdraw your consent at any time, without affecting the lawfulness of processing before the withdrawal.

To exercise these rights, write to info (at) eu-credits.com. We will reply within one month. If you believe that your data is being processed unlawfully, you have the right to lodge a complaint with the Data State Inspectorate of Latvia (Datu valsts inspekcija), www.dvi.gov.lv, or with the data protection authority in your country of residence.

6. Other information

We do not use your data for automated decision-making or profiling that has legal effects on you. The Site is intended for adults and is not directed at children under 18.

7. Changes to this Policy

We may update this Policy when the Site or the law changes. The current version is always available at https://eu-credits.com/privacy-policy/, and the date of the last update is shown at the top of the page.

Attention! Borrowing money costs money. Every loan is a financial commitment: assess what you can afford and borrow responsibly.