Privacy Policy

Last updated: 22 April 2026

This Privacy Policy describes how WINDY IT HUB LTD ("we", "us", "our") collects, uses, and shares information when you visit Credit Simul (the "Site"). By using the Site, you agree to the practices described in this policy.

1. Data Controller

The data controller responsible for your personal data is:
WINDY IT HUB LTD
Email: [email protected]
Country: Cyprus

2. Data We Collect

Credit Simul does not collect or store any personal data on our servers. All loan calculations are performed entirely in your browser and are never transmitted to us.

However, we use third-party services that may collect data automatically:

• Google Analytics 4 — collects anonymised usage data (pages visited, browser type, approximate location) via cookies. This data is used solely to understand how visitors use the Site and improve its content. Google Privacy Policy.
• Google AdSense — displays personalised advertisements and may use cookies to serve ads based on your browsing history across other sites. Google Ads Policy.

These third-party services are only activated after you give explicit consent via the cookie banner shown on your first visit.

3. Cookies

We use the following types of cookies:

• Functional cookies — store your country and language preference in your browser's localStorage (no expiry date set by a server).
• Analytics cookies (Google Analytics 4, consent required) — _ga, _ga_ZF6NL98496 — expire after 2 years.
• Advertising cookies (Google AdSense, consent required) — used to serve personalised ads.

You can change your cookie preferences at any time by clicking "Cookie settings" in the footer of the Site.

For full details, see our Cookie Policy.

4. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), the legal basis for processing your data is:

• Consent (Art. 6(1)(a) GDPR) — for analytics and advertising cookies, obtained via the cookie banner.
• Legitimate interest (Art. 6(1)(f) GDPR) — for functional cookies strictly necessary for the service to work.

5. Data Retention

Google Analytics data is retained for 14 months (default GA4 setting) before automatic deletion. LocalStorage data (country/language preference, cookie consent) is stored in your browser until you clear your browser data.

6. Your Rights

Under the GDPR and applicable law, you have the right to:

• Access the personal data we hold about you
• Request rectification or erasure of your data
• Object to or restrict processing of your data
• Withdraw your consent at any time (via "Cookie settings" in the footer)
• Lodge a complaint with your national data protection authority

To exercise these rights, contact us at: [email protected]

7. Third-Party Links

The Site displays links to central bank articles. We are not responsible for the privacy practices of those external websites.

8. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page indicates when it was last revised. Continued use of the Site after changes constitutes your acceptance of the revised policy.

9. Contact

For any privacy-related questions, please contact us at: [email protected]