Ireland / Legal

Privacy Policy

This policy explains what information the Credizen website may process, why it is used, when it may be shared, and how you can exercise your privacy rights.

Last updated: 3 August 2026

Language notice: this English text is the authoritative version currently published for this locale. Mandatory rights under the law of your country remain unaffected.

1. Controller and contact details

Maloni s.r.o., Rybná 716/24, Staré Město, 110 00 Praha 1, Czech Republic, company number 27207617, operates Credizen and is the controller for personal data processed directly by this website. Privacy requests can be sent to info@credizen.net.

A lender, broker, affiliate network, analytics provider, or other third party is a separate controller for information it collects on its own website or under its own instructions.

2. Information we may process

Technical and security data, such as IP address, device and browser information, requested URL, timestamps, referral source, and diagnostic logs.
Consent and preference data, including cookie choices, language, country, and saved comparison preferences.
Contact details, such as name, email address, and telephone number, when you deliberately submit them through a contact, comparison, or application form hosted by Credizen.
Comparison and application inputs, which may include requested amount and term, borrowing purpose, employment and income information, existing commitments, credit-profile answers, and other eligibility information shown in the relevant form.
Usage and interaction data, such as pages viewed, approximate location derived from IP address, device events, scroll depth, and interactions with comparison tools.
Affiliate-click and conversion data, such as a click identifier, provider and offer, country, referring page, campaign parameters, user agent, a hashed IP address, and a status returned by a partner where conversion tracking is enabled.

3. Purposes and legal grounds

Depending on the feature and applicable law, we process information to provide a comparison or other requested service, remember choices, answer enquiries, secure the website, prevent fraud and abuse, measure and improve performance, attribute partner referrals, account for commissions, resolve disputes, and meet legal obligations. The legal ground may be performance of a service you request, our legitimate interests, consent, or compliance with law. Where consent is required, you may withdraw it for future processing.

Credizen may use form answers to filter, rank, or match products. Unless a page clearly says otherwise, Credizen does not make a decision that approves or refuses credit and does not make a solely automated decision with legal or similarly significant effects; each provider performs its own assessment under its own notice.

4. Partner websites and loan applications

Credizen is an information and comparison website, not a lender. Following a partner link may take you to a third-party website. Information entered there is received and controlled by that third party, not by Credizen, unless the page clearly states otherwise.

Some Credizen forms send the information shown in the form to a named provider, broker, or affiliate network so that it can return matches, contact you, or process an application. Where this applies, the page must identify the destination or explain the category of recipient before submission. Review that party's identity, privacy notice, permissions, and final terms before submitting personal or financial information.

5. Recipients and international transfers

We may use Microsoft Azure for hosting and storage, Google Analytics to measure use, Microsoft Clarity to understand page interactions, Google AdSense to deliver and measure advertising, consent-management services, communications providers, and affiliate networks or product providers selected through the service. A particular tool is used only where enabled for the page and, where required, after the relevant consent.

We may also disclose information when required by law or necessary to protect users, the service, or legal rights. Recipients receive only the access reasonably needed for their role. If data is transferred internationally, we use the safeguards required by applicable law. We do not promise that every recipient or server is located in your country.

6. Retention

We keep personal data only for as long as reasonably necessary for the purpose for which it was collected, including security, support, accounting, dispute, and legal-compliance needs. Retention varies by data category and provider. Data is deleted or anonymised when it is no longer needed, unless law requires longer retention.

7. Your rights

Depending on your location and applicable law, you may have rights to access, correct, delete, restrict, object to, or receive a copy of your personal data, and to withdraw consent. You may also be entitled to complain to your local data-protection authority. Send requests to the contact address below. We may need to verify your identity and may retain information needed to document the request.

8. Cookies, consent, security, and children

Strictly necessary storage may be used to provide security, remember privacy choices, and operate requested features. Analytics, session-recording, and advertising technologies may use cookies or similar identifiers. Where the law requires prior consent, those technologies should not be activated until you choose them. You can revisit the consent controls where available and use browser settings, although blocking necessary storage may affect the service.

We use reasonable organisational and technical safeguards, but no internet service can guarantee absolute security. Credizen is intended for adults and is not designed to knowingly collect loan-comparison or application information from children.

9. Changes to this policy

We may update this policy when our services, providers, or legal obligations change. The date shown on this page identifies the current version. Material changes apply prospectively, subject to applicable law.

Ireland evidence note · reviewed 4 August 2026

Privacy while researching Irish loans

Reading a comparison should not require application documents. When a user follows an official outbound link, the provider becomes responsible for its own form, identity checks and privacy notice. Check the domain and controller before entering financial information.

Role boundary: Credizen is not a lender or financial adviser. It does not decide applications, set personal rates or disburse funds.

Evidence discipline: Treat the review date as part of every fact. A product can remain available while a displayed rate example becomes too old to present as current. Reopen the official source, preserve the amount and term attached to each example, and request current pre-contract information whenever a public field is missing or dated.

Do not email sensitive application evidence to Credizen.
Review cookie and retention information for each service you use.
Exercise data rights through the controller that actually holds the information.

The comparison unit is a financial product

The Irish pages follow the same structural principle as the Canadian reference: compare a concrete product from a provider, not only the provider's name. Every indexed provider has at least one current named product, official product URL, verification status and review date. Amount, term, APR and representative costs remain attached to that product. Where a provider publishes several materially different variants, they should be separate records rather than blended into a favourable brand-wide range.

Missing evidence is kept visible. For example, a live product page may retain an old dated rate table. In that case the product can remain verifiably available while the current APR field stays empty and the limitation is explained. Credizen does not infer a rate from marketing language, copy a different product's minimum, or turn an unknown value into zero.

Compare one scenario and keep the full cost visible

Choose one principal and one repayment term before testing providers. Record the APR, instalment frequency, total cost of credit, total amount repayable, mandatory fees, variable or fixed rate, and treatment of early repayment. CCPC guidance is especially important here: APR comparisons require the same amount and term; when terms differ, cost of credit helps expose the effect of borrowing for longer.

A low monthly instalment can reflect a longer term rather than a cheaper loan. A starting APR can apply only to a strong profile or particular amount band. A fast decision can mean an initial automated response rather than final approval and funding. Read the current Standard European Consumer Credit Information and the agreement, then test the payment against essential expenses and a reasonable buffer.

Irish sources, regulatory boundary and update discipline

Provider and product facts come first from official Irish product pages and terms. Regulatory status and consumer-protection context are checked through the Central Bank of Ireland; borrowing guidance comes from the Competition and Consumer Protection Commission. The Central Credit Register contains qualifying credit information and may be consulted during an application. The lender remains solely responsible for underwriting, the personal price and contractual decision.

Material changes to amount, term, APR, fees, availability, legal provider or regulatory status trigger a review. The current register is non-commercial: provider ratings and commissions are zero, and links lead to the official source. Editorial ordering follows evidence freshness and disclosure completeness, not payment. Readers can report a correction with the affected URL and primary evidence.

Practical stop conditions

Stop before applying if the legal provider is unclear, an upfront payment is demanded for guaranteed credit, the total repayable cannot be established, or the payment removes the household buffer. Pause when new borrowing would service existing arrears. In difficulty, contact the present creditor early and consult official Irish consumer and debt-support information rather than treating a new loan as the automatic answer.

Primary references: Central Bank of Ireland — Central Credit Register, CCPC — personal loans, and CSO Census 2022 F1015. General information only; no approval or personal advice.