Updated on October 28, 2025.

Purpose and Overview

Search Credits Now operates as an independent platform dedicated to publishing informational content related to personal finance, including publicly available details about credit cards, loans, banking services, and general financial education. Through our website, https://searchcreditsnow.com/, we provide guides, comparisons, and resources designed to help users better understand financial products and navigate their options more confidently.

Protecting the privacy of our visitors is one of our core values. This Privacy Policy explains how personal information may be collected, used, stored, and safeguarded when you interact with our content. Our goal is to ensure full transparency regarding what data we gather, why we gather it, and how we work to keep it secure.

The sections below describe, in clear and accessible language and within the applicable Canadian legal context, how we handle personal data when you visit Search Credits Now. If you have questions or concerns related to your privacy, you may contact us directly through https://searchcreditsnow.com/contact. 

Policy Scope

This Privacy Policy applies to all personal information collected as you browse, read, or interact with any features hosted on https://searchcreditsnow.com/. These interactions may include, but are not limited to, viewing informational content, learning about financial products, submitting inquiries through contact forms, or engaging with features and tools provided within the platform.

Our privacy practices apply exclusively to Search Credits Now and the data we manage internally. Please note that our website may contain links to third-party platforms, including official banking providers, government resources, or external services referenced for educational purposes. We are not responsible for the privacy policies or data-handling practices of those external websites. If you choose to provide personal information on a third-party page, we strongly encourage you to review their privacy protections before proceeding.

User Consent

By continuing to browse and use Search Credits Now, you acknowledge that you have read, understood, and agreed to the practices described in this Privacy Policy. Your use of our website and features constitutes your acceptance of how we collect and manage personal data, as outlined in this document.

Additionally, using this site indicates that you also accept our Terms of Use. If you do not agree with any part of this Privacy Policy or the Terms of Use, we advise that you discontinue using the site. Continued browsing or interaction will be considered voluntary and informed consent.

Use of AI Tools

To support our editorial process and maintain consistent structure and quality across the content we publish, Search Credits Now may utilize artificial intelligence (AI) tools during early stages of content development. These tools assist with drafting, formatting, verifying topic outlines, and simplifying complex financial explanations intended to help readers understand information more clearly.

However, every article is reviewed and approved by a human editor before publication. Our editorial team ensures factual accuracy, clarity, and alignment with Search Credits Now’s publishing standards. AI serves strictly as an assistive resource—it does not replace human judgment or responsibility for the final content.

We value openness about the tools used in our editorial workflow. If you would like more information about the role of AI on our platform, you are welcome to contact us at https://searchcreditsnow.com/contact. 

I. Data Gathering Practices

Search Credits Now follows a responsible, transparent approach to information handling. To keep the site functional, protect visitor access, and improve the features we offer, certain data must be collected. That information arrives through three primary channels: details you choose to share with us, technical data automatically transmitted by your device, and limited inputs supplied by reputable third-party providers.

A. INFORMATION SUPPLIED VOLUNTARILY

Most areas of Search Credits Now can be explored without revealing personal details. However, a handful of optional features—such as e-mail updates, notification services, or interactive utilities—require basic identifying data. When engaging with those features, you may be asked for your name, e-mail address, telephone number, or approximate region. We request only what is necessary to confirm your access, deliver the service you requested, or tailor certain elements of the site to your preferences.

If you contact us through the support form, submit survey responses, or provide feedback, the content of that communication is used solely to reply to you, resolve an issue, or refine our editorial approach. We do not employ such information for unrelated marketing, nor do we sell it to third parties.

B. INFORMATION COLLECTED AUTOMATICALLY

Each time you browse Search Credits Now, our systems record technical data essential to maintaining performance and diagnosing problems. Typical items include your IP address, browser and device type, operating-system version, date and time of access, and the sequence of pages you view. These details are captured through server log files, cookies, and analytical scripts.

Cookies and web beacons help the platform recognise returning browsers, remember display preferences, and evaluate article popularity—for instance, identifying which guides receive the most traffic or how long readers spend on a particular page. Such insights allow us to resolve errors promptly and optimize content layout across multiple devices.

You may disable cookies through your browser settings at any time. Doing so, however, might affect certain conveniences—such as retaining language choices or keeping you signed in to a subscription area. Continued use of our site without altering those settings signifies consent to the cookie practices described in this notice.

C. INFORMATION SOURCED FROM THIRD PARTIES

To support operations and keep the website free of charge, Search Credits Now cooperates with select advertising networks and analytics vendors. These partners may embed their own cookies, pixels, or tracking code on our pages to capture non-identifying metrics such as browser configuration, approximate geography, visit duration, or ad impressions. The purpose is to gauge overall engagement levels and present advertisements likely to be relevant to a broad audience.

Personal information—such as your name, e-mail address, or phone number—is never shared directly with advertisers. Moreover, we have no control over how those partners manage any data they do collect. Their practices are governed by their respective privacy policies. Clicking an advertisement does not create a contractual relationship between you and Search Credits Now; any interaction with an external party occurs under that party’s own terms.

Major providers, including Google, may rely on cookies to display interest-based advertising. If you prefer not to receive such ads, you can adjust settings through your Google account or consult the provider’s privacy statement for opt-out instructions.

We encourage all users to review the policies of any external services referenced or linked on our pages. This Privacy Notice applies solely to data collected through Search Credits Now and does not extend to the practices of third-party platforms.

II. Mobile Communication Consent

A. CONSENT TO RECEIVE SMS COMMUNICATIONS

At Search Credits Now, we respect your privacy and believe in full transparency when it comes to communication. In accordance with the Canadian Anti-Spam Legislation (CASL) and other applicable consumer communication standards in Canada, we will never send SMS (text) messages without your explicit and informed consent.

If you voluntarily choose to provide your mobile phone number—for example, through a contact form, inquiry request, or any feature where communication preferences are requested—you may be offered the option to receive SMS updates from Search Credits Now. This option will always include a clear explanation of the type of messages you may receive and a specific action confirming your consent, such as selecting an unchecked box or confirming an opt-in prompt.

By opting in, you authorize Search Credits Now to send occasional SMS notifications. These may include announcements about newly published financial articles, relevant updates to the platform, important changes to referenced financial product information, or general messages related to our services. Subscription to SMS messages is always optional. You are not required to share your phone number or enroll in text updates in order to browse or use any portion of the Search Credits Now website.

We will only use your mobile number for the communication purposes you specifically authorize, and we will never sell, rent, or share your number with third parties for their marketing purposes.

B. WITHDRAWING CONSENT

You may opt out of receiving SMS messages from Search Credits Now at any time. To stop receiving text communications, simply reply to any message with the word “STOP.” Once your opt-out request is processed, your number will be removed from our SMS list promptly and without the need for further action.

If you encounter any difficulty unsubscribing or prefer to update your communication preferences directly, you may reach us at https://searchcreditsnow.com/contact. Our support team will ensure your request is handled quickly and respectfully.

Search Credits Now complies fully with Canadian Anti-Spam Legislation, including CASL consent and opt-out requirements. Opting out is always free of charge, and your access to Search Credits Now will never be restricted based on your communication choices.

We remain committed to honoring your privacy decisions and safeguarding your information across all communication methods.

III. Why We Collect and How We Use Your Information

At Search Credits Now, every piece of data collected has a defined purpose. Our goal is to offer a safe, efficient, and user-focused experience while ensuring that your privacy remains protected. We use the information we collect to maintain the platform, better understand our audience, and adapt to user needs without compromising confidentiality.

3.1 Ensuring Platform Stability and Functionality

We rely on technical data to keep the site operating effectively across different devices and browsers. Information such as your browser version, screen resolution, and loading speed helps us identify performance issues, resolve technical glitches, and improve compatibility. These insights allow us to deliver a faster and more stable user experience.

3.2 Adapting Content to User Interaction

Usage patterns help us recognise how visitors navigate and engage with our pages. By observing what content is viewed and how users interact with features, we can reorganise layouts, highlight relevant sections, and tailor the site’s structure in ways that feel intuitive and supportive.

3.3 Monitoring Engagement to Improve Clarity

We examine behaviour metrics like scroll depth, page duration, and click activity to assess how effectively our content communicates. These analytics reveal where users are finding value—and where they may be losing interest—so we can refine our content to make it clearer and more impactful.

3.4 Developing and Refining Site Features

Insights gathered from site interactions and voluntary feedback guide our ongoing improvements. Whether it’s enhancing navigation, redesigning pages, or introducing new utilities, all upgrades are based on the actual needs and behaviours of our readers.

3.5 Handling Direct Communication

When you reach out through a form or feedback tool, the information you provide enables us to respond appropriately. We may use your message to address a technical issue, clarify a concern, or follow up to ensure your query was resolved to your satisfaction.

3.6 Email Communications and Notifications

If you opt into our mailing list, we may occasionally send you platform news, article recommendations, or other relevant updates. Every email includes a clear unsubscribe link, giving you full control over whether or not to continue receiving messages from us.

3.7 Strengthening Security and Preventing Abuse

We use collected data to detect irregular usage, prevent fraudulent activity, and protect the platform against misuse. Behavioural signals and system alerts help us safeguard both the website’s integrity and the safety of our users.

Our approach to data use is grounded in accountability, necessity, and respect. We apply strict internal standards and regularly evaluate our methods to ensure that user trust is upheld and privacy obligations are met.

Cookie Notice for Search Credits Now

This notice explains how Search Credits Now, available at https://searchcreditsnow.com/, employs cookies, what information those cookies collect, how they enhance your visit, and the choices you have regarding their use. It also clarifies the consequences that may follow if certain cookies are restricted or removed.

What Cookies Are

Cookies are small text files that a website places on your computer, phone, or tablet when you visit. They store information about your activity and preferences so that the site can recognise your device during later sessions. Like many modern online services, Search Credits Now relies on cookies to deliver an efficient, personalised, and secure experience.

Why We Use Cookies

Cookies enable the platform to remember returning visitors and retain settings such as language or layout, ensure smoother navigation, and measure page responsiveness. They also help us understand how articles and tools are being used, which guides improvements to structure and performance. In addition, certain cookies strengthen security by spotting irregular behaviour that may signal malicious activity. Advertising cookies permit us to present promotional content that aligns more closely with broad user interests.

Categories of Cookies Employed

1. Essential cookies keep core functions running. They allow pages to load correctly, support secure log-in procedures, and ensure that the platform operates as intended. Without these files, basic site features may become unavailable.

2. Preference cookies store individual choices such as language selection, region, or interface configuration. By recalling these settings, the site feels more familiar each time you return.

3. Analytics cookies collect aggregated statistics about visitor behaviour. Metrics such as time spent on an article, clicks on specific links, or frequency of page visits help us refine content and identify technical faults that could impact usability.

4. Security cookies monitor usage patterns to detect suspicious actions, protect user accounts, and respond promptly to potential threats, thereby safeguarding the integrity of the platform.

5. Advertising cookies record anonymous data about how advertisements are displayed and interacted with. They help gauge campaign effectiveness while allowing our partners to present content that is generally relevant. Some advertising partners place their own cookies, and their data practices are explained in their individual privacy policies.

Managing Your Cookie Preferences

Most internet browsers give you the ability to inspect, block, or delete cookies whenever you wish. Disabling essential cookies can prevent certain areas of the platform from functioning, while restricting preference cookies may stop the site from remembering your settings, leading to a less tailored experience. Opting out of analytics cookies can reduce the accuracy of insights we rely on for performance upgrades. Blocking advertising cookies will not remove adverts entirely, but the messages you see may be less aligned with your interests.

To adjust your settings, consult the help section of your chosen browser for detailed instructions. Being informed about how cookies work empowers you to balance privacy considerations with the convenience offered by Search Credits Now’s key features.

Cookies in Use on Search Credits Now

Cookies are an important part of how Search Credits Now delivers a reliable, secure, and user-friendly experience. Below is a breakdown of the types of cookies active on our platform and their intended purpose.

Login and Account Management Cookies

These cookies support user authentication processes, help maintain login sessions across pages, and allow for smooth navigation once you’re signed in. If you’ve created an account or logged into a user-specific section, these cookies ensure the site recognises your session. Most are cleared upon logout, though some may remain briefly to retain settings that improve your next visit.

Email Subscription Cookies

When you sign up for email updates or newsletters, cookies are used to manage those preferences. They track your interaction with previous communications and help determine the frequency or relevance of future updates. This ensures that the emails you receive reflect your interests and engagement level.

Form and Survey Participation Cookies

To simplify your participation in surveys or form-based features, cookies store temporary responses and prevent repeat submissions. This helps streamline the process, avoid duplication, and may retain form data briefly to save you time during follow-up interactions.

Interface and Preference Cookies

These cookies retain visual and layout preferences such as language settings, theme options, or preferred content views. They are designed to create a consistent experience each time you access the site, adapting the interface to your previous selections without requiring you to reconfigure anything.

External Service Cookies

We collaborate with third-party service providers to assist with analytics, system performance, and advertising. These providers may set their own cookies within our environment in order to deliver specific functions. Search Credits Now does not control the content of those cookies, but they serve essential roles in site functionality.

Analytics and Usage Tracking Cookies

Cookies from platforms like Google Analytics collect general data on how users interact with the site, including time on page, navigation patterns, and areas of interest. This aggregated information helps us monitor technical performance and refine content to better meet user expectations. To learn how Google processes this data, please consult their public documentation.

Feature Testing and Development Cookies

When rolling out new features or making updates, temporary cookies are used to monitor how those changes perform. These cookies track user interaction during test phases and assist in identifying issues before full implementation, helping us maintain overall site stability.

Advertising and Interest-Based Cookies

Certain cookies from advertising partners allow the display of promotions that are more likely to align with user interests. These may track general browsing behaviour to improve ad relevance and help measure campaign performance. You can manage your ad preferences through your browser settings or use tools like Google’s Ad Settings or www.aboutads.info to tailor or opt out of interest-based ads.

Managing Your Cookie Settings

Your browser includes settings that allow you to view, delete, or block cookies. Depending on which browser you use, options may vary, but most major browsers provide easy access to manage cookie permissions. For specific instructions, refer to official support resources for:

• Google Chrome
• Firefox
• Microsoft Edge
• Opera
• Safari 

Please be aware that disabling or removing cookies—especially those essential to platform operations—may affect how the site functions. You could lose access to saved preferences, active sessions, or tailored content. Advertising cookies can also be restricted, though this may result in less relevant promotional content.

Understanding how cookies operate allows you to make informed adjustments to your privacy settings while still enjoying the features that Search Credits Now provides.

IV. Protection of Personal Information

At Search Credits Now, safeguarding your personal information is a core responsibility. We do not sell, lease, or exchange your personal data with third parties under any circumstances. In limited cases, we may share non-identifiable, aggregated data with selected partners for analytical purposes, such as enhancing platform features, evaluating performance, or understanding user trends. This shared information contains no personal identifiers and cannot be traced back to any individual.

You may opt out of this type of anonymous data usage at any point. If you wish to adjust your preferences or request additional information about how data is handled, you can do so by contacting us through the form available at https://searchcreditsnow.com/contact.    

We apply multiple layers of protection to help keep personal data secure. These measures include the use of encrypted protocols for data transmission, role-based access restrictions within our team, and continuous monitoring for unusual or unauthorised system activity. Security settings are regularly reviewed, and we carry out internal assessments to close vulnerabilities and improve defence mechanisms.

Although we make every effort to protect user data, no digital platform is completely immune to risks. If a security breach or unauthorised access were to occur, Search Credits Now will respond swiftly to investigate the incident, contain the impact, and follow all required procedures. If your personal data is affected, we will notify you promptly and provide clear guidance on protective steps you can take.

Our approach to privacy protection is not limited to system security. It also reflects the respect we have for every individual who uses our platform. Maintaining the trust of our readers is essential, and we remain fully committed to offering a secure, transparent, and privacy-conscious space for all users of Search Credits Now.

V. Exercising Your Privacy Rights

5.1 Your Rights as a User

At Search Credits Now, we believe every user has the right to understand how their personal data is collected, used, and stored. Whether you visit the site without submitting any personal details or interact through contact forms or subscriptions, you have the right to access the information we may hold about you.

You may also request corrections, place restrictions on how your data is processed, or ask for the removal of certain information entirely. While we aim to accommodate these requests, please note that in some situations, we may be required to retain specific records for legal compliance, operational continuity, or legitimate security purposes.

We are committed to providing the tools, information, and support necessary for you to manage your privacy choices clearly and confidently. Our priority is not only compliance with applicable laws but also a user experience that respects control and transparency.

5.2 Data Retention and Deletion

We only retain personal data for as long as it serves a clear and legitimate function. This includes facilitating access to the platform, addressing user inquiries, ensuring technical integrity, and helping us improve how the site performs.

For instance, we may temporarily keep your contact information to follow up on previous communications or unresolved support issues. Likewise, technical data used for system monitoring may be stored briefly to detect and prevent future disruptions. Once this data no longer serves a direct purpose, it is securely deleted or anonymized to ensure it cannot be traced back to you.

If you would like your personal information removed from our records, you may send a request via our contact form at https://searchcreditsnow.com/contact. We will review your submission promptly and follow up with confirmation once the process is complete. If certain data must be retained for legal or administrative reasons, we will inform you accordingly.

Search Credits Now is committed to protecting your privacy at every stage of your interaction with us. Our data-handling practices are designed to respect your rights, limit unnecessary retention, and manage personal information with care and accountability.

VI. Data Protection in Canada

Search Credits Now respects your privacy and is committed to handling personal data responsibly. Canada does not rely on a single provincial rule; instead, national legislation and specific provincial standards govern how personal information is collected, processed, and protected across digital platforms.

This section outlines the Canadian privacy laws most relevant to informational websites like ours and explains your rights as a user within Canada.

Personal Information Protection and Electronic Documents Act (PIPEDA)

PIPEDA is the primary federal privacy law regulating how personal information is handled by businesses operating in Canada. It applies to Search Credits Now in all matters involving data collection, consent, safeguarding, and access rights.

Under PIPEDA, personal information includes data such as identifiers, device activity, IP addresses, and any details that may reasonably identify you.

Your Rights Under PIPEDA Include the Ability to:

• Know what information is collected and why
• Request access to the personal information held about you
• Challenge the accuracy of that information and request corrections
• Withdraw consent for non-essential data collection where applicable
• Be informed if third-party tools gather usage data
• Expect that your information is securely stored and protected

We support these rights by implementing transparent cookie notices, clear privacy disclosures, and direct communication channels for privacy-related requests.

Provincial Privacy Laws

Certain provinces have their own private-sector privacy laws that operate alongside or in place of PIPEDA. These include:

• British Columbia – Personal Information Protection Act (PIPA BC)
• Alberta – Personal Information Protection Act (PIPA AB)
• Quebec – Act Respecting the Protection of Personal Information in the Private Sector (modernized by Law 25)

If you reside in one of these provinces, you may benefit from additional protections, especially regarding storage, access rights, breach notification, and transparency expectations.

Search Credits Now complies with all applicable laws depending on user jurisdiction within Canada.

Children and Youth Privacy Protections

Search Credits Now is a general-audience informational platform. We do not knowingly collect or store personal information from children under the age of 13, and our content is not directed toward minors.

If personal information from a minor is discovered:

• It will be deleted promptly
• A parent or guardian may request access or removal through our contact page
• We will take necessary steps to prevent further collection

We follow the guidance of the Office of the Privacy Commissioner of Canada (OPC) regarding data minimization and youth privacy expectations.

CASL – Canadian Anti-Spam Legislation

When communicating electronically—including through optional SMS notifications or email updates—we adhere to CASL requirements by ensuring that:

• Consent is explicit, informed, and recorded
• Opt-out requests are honored immediately
• Communication frequency and purpose are clearly disclosed

Your decision to subscribe or unsubscribe will never affect your ability to access or use our website.

External Tools and Analytics Compliance

To improve performance and security, Search Credits Now may use third-party analytics or embedded technologies that collect limited technical data. These tools operate within privacy frameworks required by Canadian law, and we make best efforts to ensure they meet compliance standards for:

• Data minimization
• Anonymization where possible
• Clear disclosure
• Respect for user privacy preferences

Requests for data access, modification, withdrawal of consent, or deletion can be submitted through https://searchcreditsnow.com/contact. Our team responds promptly in accordance with legal obligations.

VII. Updates to This Privacy Notice

As Search Credits Now continues to grow and evolve—whether by introducing new features, expanding financial content, or adapting to advancing technologies and privacy expectations—this Privacy Notice may be updated to reflect our most current data handling practices. Updates may also be made to enhance transparency, address user feedback, or comply with changes in applicable Canadian privacy laws such as PIPEDA or relevant provincial regulations.

Whenever revisions occur, the most recent version of this Privacy Notice will always be available on this page. If an update significantly affects how we collect, use, or safeguard your personal information, we will make reasonable efforts to alert you—such as by posting a prominent notice on our website, updating our consent options, or using another appropriate communication method—so that you remain fully informed of your rights and choices.

We encourage all visitors to review this Privacy Notice periodically in order to stay aware of how personal information is managed. By continuing to use Search Credits Now after updates are posted, you acknowledge and accept the revised terms. If at any time you do not agree with the changes introduced in an updated Privacy Notice, you may discontinue your use of the website and its features.

VIII. Contacting Us

For any questions, requests, or concerns regarding this Privacy Notice or how your personal data is processed by Search Credits Now, you may contact us directly through our official support form at https://searchcreditsnow.com/contact. 

Whether you’re seeking clarification on your data rights, need help managing your privacy preferences, or would like to raise a specific issue, our team is available to assist you. We are committed to handling all inquiries with transparency, respect, and prompt attention.