Privacy Policy

2026-09-02

Who we are

Kreditoversigten.com is operated by AJ Media ApS, Teglholm Allé 9F, 2450 København SV, Denmark, Danish company registration number (CVR) 36993480. AJ Media ApS is the data controller for the processing described in this policy. You can reach us on any data protection matter at privacy@kreditoversigten.com or by post at the address above.

What we collect

When you complete the enquiry form on this site, we collect the details you enter: your name, phone number and email address. Alongside the submission we also record:

  • the consent record itself — a timestamp plus the exact wording of the consent text you accepted when you submitted the form;
  • the page the form was submitted from;
  • click and campaign tracking parameters that arrive in the URL: clickid, source, utm_* and gclid.

We do not collect special category data, and we never ask for your bank account details, card numbers or online banking credentials. We do not carry out automated decision-making or profiling that produces legal effects for you.

What is stored in your own browser

Two things are stored in your browser's own storage:

  • a localStorage key called consent_v1, holding the choice you made in the cookie consent banner, so you are not asked again on every visit;
  • sessionStorage, holding the click and campaign tracking parameters received in the URL for the length of your browser session.

To be explicit: no analytics or marketing cookies or pixels — including Google Analytics and Meta — are set unless and until you accept them in the consent banner. The default state is deny. Rejecting is as easy as accepting: the banner gives both options equal prominence, and you can change your choice at any time.

We process the details you submit through the form, and pass them to lender partners, on the basis of your consent (Article 6(1)(a) UK GDPR / GDPR). The same basis applies to analytics and marketing cookies, in line with the Privacy and Electronic Communications Regulations. The basic technical operation and security of the website — keeping the service available and preventing abuse — rests on our legitimate interests (Article 6(1)(f)).

Who receives your data

We pass your form details only to the lender partners named on this site — the current partner list is shown in the site footer — so that they can contact you about loan offers. Your data is not shared with unnamed third parties, and we do not sell personal data.

We also use the following processors: Supabase, which stores the lead in a database hosted in the EU, and Cloudflare, our hosting and content delivery network (CDN) provider. Both act under a written data processing agreement and only on our instructions.

International transfers

Your form data is stored in the EU/EEA. Because our company and our database are located in the EU, personal data collected from UK visitors is transferred from the UK to the EU. That transfer is covered by the UK's adequacy regulations for the EEA; where a transfer is not covered by adequacy, we rely on the International Data Transfer Agreement or the UK Addendum to the EU standard contractual clauses. We do not routinely transfer data outside the EEA.

How long we keep it

We keep your form details and the associated consent record for 12 months from collection, after which they are deleted. The exception is data that bookkeeping and accounting law requires us to keep for longer; in that case we retain only what the law requires, and only for the period it requires.

Security

Form data is transmitted over an encrypted connection (HTTPS), and access to stored data is limited to people who need it to do their job. We maintain appropriate technical and organisational measures against loss, misuse and unauthorised access. We will never ask you for banking credentials or card details on this site or by email.

Your rights

You have the right to access your personal data, to have inaccurate data corrected, to request erasure, to restrict processing, to object to processing, and to data portability. You may also withdraw your consent at any time, which does not affect the lawfulness of processing carried out before withdrawal. To exercise any of these rights, email privacy@kreditoversigten.com. We respond within one month of receiving your request and may ask you to confirm your identity first. Exercising your rights is free of charge. See also our terms and consent statement.

Complaints and supervisory authority

If you are unhappy with how we handle your personal data, please contact us first so we can put it right. You also have the right to complain to the UK supervisory authority, the Information Commissioner's Office (ICO). Because the controller is established in Denmark, our lead supervisory authority in the EU is Datatilsynet (the Danish Data Protection Agency).

Changes to this policy

We may update this privacy policy — for example if the law changes, if our partner list changes, or if the service changes. The current version is always published on this page, and we update the date shown below. Where changes are significant we will say so clearly on the site. We suggest you re-read this page before submitting a new form.

Last updated: 2 September 2026.