LedgerBloc Finance ("we", "us", "our") operates this website (the "Site"). This policy explains what information we collect when you visit the Site, why we collect it, and what choices you have.

By using the Site, you agree to the practices described here. If you do not agree, please stop using the Site.

Who we are

The Site is operated by LedgerBloc Finance, an independent online publisher. For any privacy question or request, use our Contact page.

Information we collect

Information you give us

You can read almost everything on the Site without giving us any personal information. We only receive information you choose to send, such as your name and email address if you contact us, and any details you include in the body of a message to us.

Information collected automatically

Like most websites, our servers and analytics tools automatically record technical information when you visit, including:

  • IP address (which may be truncated or anonymised depending on the tool)
  • Browser type and version, operating system, and device type
  • Referring website and the pages you view on the Site
  • Date, time, and duration of your visit
  • General location inferred from your IP address, typically at city or country level

We use this information to understand how the Site is used, diagnose technical problems, protect against abuse, and improve our content.

Cookies and similar technologies

Cookies are small text files stored on your device. We and our partners use them to remember preferences, measure traffic, and deliver and measure advertising.

The cookies used on this Site fall into these categories:

  • Essential cookies — required for the Site to function and for security. These cannot be switched off through our consent tool.
  • Analytics cookies — help us count visits and understand which articles are useful.
  • Advertising cookies — used by third-party ad networks to select, deliver, cap the frequency of, and measure ads.

You can control cookies through your browser settings. Most browsers let you refuse or delete cookies. Blocking some cookies may affect how parts of the Site work.

Advertising and third-party vendors

The Site is supported by advertising. We work with third-party advertising partners, including Google (Google AdSense and Google Ad Manager).

  • Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this and other websites.
  • Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this Site and other sites on the internet.
  • You can opt out of personalised advertising by visiting Google's Ads Settings at adssettings.google.com.
  • You can opt out of some third-party vendors' use of cookies for personalised advertising at www.aboutads.info/choices or www.youronlinechoices.com for UK and EU visitors.
  • Third-party ad networks that are not covered by our consent tool may set their own cookies. We do not control those cookies and recommend reviewing each vendor's own privacy policy.

Where required, we display a consent banner allowing you to accept or reject non-essential cookies before they are set, in line with Google's EU User Consent Policy and applicable law.

Where UK GDPR or EU GDPR applies, we rely on the following legal bases:

  • Consent — for analytics and advertising cookies, and for any marketing communications you opt into.
  • Legitimate interests — for maintaining the security and integrity of the Site, preventing fraud and abuse, and understanding aggregate usage.
  • Legal obligation — where we must retain or disclose information to comply with the law.

You can withdraw consent at any time through the cookie settings link in the Site footer.

How long we keep information

  • Contact form and email correspondence: kept for up to 24 months after our last exchange, unless a longer period is required.
  • Analytics data: retained in aggregated or pseudonymised form according to the retention settings of the analytics provider, typically no longer than 26 months.
  • Advertising data: retained by the relevant ad network under its own policies.

Sharing your information

We do not sell your personal information. We share information only with:

  • Service providers who host the Site, deliver analytics, or serve advertising, acting on our instructions or as independent controllers where stated
  • Legal authorities, where we are required to disclose information by law or to protect our legal rights

Your rights

Depending on where you live, you may have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Object to or restrict certain processing
  • Withdraw consent at any time
  • Request a copy of your information in a portable format
  • Lodge a complaint with a supervisory authority — in the UK, the Information Commissioner's Office at ico.org.uk

California residents have additional rights under the CCPA/CPRA, including the right to know what personal information is collected and the right to opt out of the "sale" or "sharing" of personal information for cross-context behavioural advertising. To exercise these rights, use our Contact page.

To make a request, contact us via our Contact page. We will respond within one month, or tell you if we need longer.

Children's privacy

The Site is not directed at children under 16 and we do not knowingly collect personal information from them. If you believe a child has provided us with personal information, contact us and we will delete it.

International transfers

Our service providers may process information in countries outside the UK and EEA, including the United States. Where that happens, we rely on appropriate safeguards such as the UK International Data Transfer Addendum, EU Standard Contractual Clauses, or an adequacy decision.

Security

We use reasonable technical and organisational measures to protect information, including HTTPS encryption across the Site. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

The Site contains links to third-party websites, including lenders, comparison services, and government resources. We are not responsible for the privacy practices or content of those sites. Review their policies before providing any personal information.

Changes to this policy

We may update this policy from time to time. Material changes will be reflected in the "Last updated" date at the top of this page. Continued use of the Site after changes take effect means you accept the revised policy.

Contact

Questions about this policy or how we handle your information: visit our Contact page.