Privacy Policy

1. Who we are

SingleVerdict (“we”, “us”, “our”) operates singleverdict.com — a personalized financial product recommendation engine. We help users find the right credit card based on their spending habits and goals. We are not a bank, lender, or financial institution.

2. Information we collect

Information you provide

When you use our recommendation questionnaire or tools, we collect the answers you provide — such as your income range, spending categories, and card preferences. We do not collect your name, email, phone number, or any personally identifiable information unless you explicitly provide it.

Information collected automatically

Like most websites, we automatically collect standard technical information when you visit, including your IP address (anonymised), browser type, device type, pages visited, time on site, and referring URL. This data is collected through analytics tools and is used only in aggregate to understand how users interact with the site.

Cookies

We use cookies and similar technologies to remember your preferences, measure site performance, and improve the user experience. We do not use cookies to track you across third-party websites for advertising purposes. You can disable cookies in your browser settings; some features of the site may not work correctly if you do.

3. How we use your information

We use the information we collect to:

• Generate personalised credit card recommendations
• Improve the accuracy and relevance of our scoring models
• Analyse site usage and fix technical issues
• Comply with legal obligations

We do not sell your data to third parties. We do not use your data to build advertising profiles or retarget you on other platforms.

4. Affiliate relationships and referral links

SingleVerdict earns revenue through referral commissions. When you click an “Apply” or “Check eligibility” link and apply for a financial product, we may receive a commission from the issuer or partner.

This commission relationship does not influence our scoring, rankings, or editorial recommendations. Cards are ranked based on our independent scoring criteria, not on commission rates. Some cards we recommend may not have affiliate relationships with us at all.

We disclose this relationship clearly on every page where affiliate links appear.

5. Third-party services

We use the following third-party services that may collect data under their own privacy policies:

• Analytics — to measure site traffic and usage patterns
• Hosting infrastructure — to serve and store the site

When you click through to a card issuer or bank, you leave our site and are subject to that organisation’s privacy policy. We have no control over how issuers handle your data once you’re on their platform.

6. Data retention and security

We retain anonymised usage data for up to 24 months for analytics purposes. We do not retain any personally identifiable information beyond what is technically necessary to serve your current session.

We use industry-standard security measures including HTTPS encryption on all pages. No method of transmission over the internet is 100% secure; we cannot guarantee absolute security but commit to responsible data handling.

7. Your rights

Depending on your jurisdiction, you may have the right to access, correct, or delete data we hold about you. Because we collect very limited personal data, most requests can be fulfilled by clearing your browser cookies and cache.

To make a data request, contact us at the email below. We will respond within 30 days.

8. Children

Our site is not directed at children under 18. We do not knowingly collect data from anyone under 18. If you believe a child has provided us with personal information, contact us and we will delete it promptly.

9. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the “last updated” date at the top of this page. Continued use of the site after changes constitutes acceptance of the updated policy.

10. Contact

For privacy-related questions or requests, contact us at: [email protected]