The Credit Ledger This Privacy Policy explains what information The Credit Ledger ("we", "us", or "our") collects when you visit thecreditledger.com (the "Site"), how we use it, and the choices you have. We keep data collection to a minimum and we never sell your personal information.
Information we collect
We collect two kinds of information:
- Information you give us. If you contact us by email, we receive your email address and whatever you choose to write. We use it only to reply.
- Information collected automatically. Like most websites, our servers and our analytics and advertising partners may record standard technical data such as your IP address, browser type, device, referring page, and the pages you view. This is used to understand traffic and keep the Site working.
Cookies and similar technologies
A cookie is a small file stored by your browser. We and our partners use cookies and similar technologies to measure traffic, remember preferences, and deliver and measure advertising. You can block or delete cookies in your browser settings, though some parts of the Site may not work as well if you do.
Advertising and Google AdSense
We may display advertising served by third-party vendors, including Google. These partners use cookies to serve ads based on your prior visits to this and other websites.
- Google, as a third-party vendor, uses cookies to serve ads on the Site. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this Site and other sites on the internet.
- You can opt out of personalized advertising by visiting Google Ads Settings.
- You can opt out of a third-party vendor's use of cookies for personalized advertising at aboutads.info/choices or youronlinechoices.eu.
- For more on how Google uses data, see the Google Privacy and Terms page.
Where required by law, advertising and non-essential cookies are only set after you provide consent through our cookie notice. You can change or withdraw your consent at any time.
Analytics
We use privacy-conscious analytics to count visits and understand which guides are useful. This data is aggregated and is not used to identify you personally.
Affiliate links
Some links on the Site are affiliate links. If you click one and apply for or buy a product, we may earn a commission at no extra cost to you. When you follow such a link, the partner site sets its own cookies under its own privacy policy. This never affects our editorial rankings. See our advertiser disclosure for details.
How we use information
- To operate, maintain, and improve the Site.
- To respond to your messages.
- To measure and serve advertising, where applicable.
- To detect, prevent, and address technical issues or abuse.
- To comply with legal obligations.
Your rights
If you are in the European Economic Area or the United Kingdom, you have rights under the GDPR, including the right to access, correct, delete, or restrict the use of your personal data, and to object to processing or withdraw consent. If you are a California resident, the CCPA gives you the right to know what personal information is collected and to request its deletion, and the right not to be discriminated against for exercising those rights. We do not sell personal information.
To exercise any of these rights, email us at the address below.
Data retention and security
We keep personal data only as long as needed for the purposes above, then delete it. We use reasonable technical measures to protect it, though no method of transmission over the internet is completely secure.
Children
The Site is intended for adults and is not directed at children under 16. We do not knowingly collect personal information from children.
Changes to this policy
We may update this policy from time to time. When we do, we will revise the "last updated" date above. Material changes will be made clear on this page.
Contact
Questions about this policy or your data? Email [email protected] or use our contact page.