Privacy policy
Last updated: October 31, 2026
We will never ask for your SSN, ITIN, passport number, bank account number or any login details. Applications are completed only on the bank's or provider's official website, never through this site. Everything works without an account.
What we collect, why, and for how long
Quiz answers (yes / no style options only)
To filter offers for your situation
Stored only in your browser; if you sign in, also in your account until you delete it
Checklist progress (ticks)
To remember where you are
Same as above
Account email (only if you sign up; with Google sign-in we receive only your email address)
Deadline reminders and saving progress across devices
Until you delete your account
Your “In progress” list and payout dates
To remind you on time; aggregated into anonymous average payout times
Until you delete your account
Emails left for launch notices or the monthly email
Launch notices and monthly offers
Deleted when you unsubscribe or after the notice is sent, at most 12 months
Apply clicks: which offer, referring channel (e.g. xhs), country, time (no IP stored)
To see which offers help and to reconcile affiliate commissions
Up to 13 months, not linked to your identity
Chat questions (likely ID or account numbers are removed)
To spot wrong answers and improve them
Up to 90 days, not linked to your identity
Cookies we use
| Name | Purpose | Type | Kept for |
|---|---|---|---|
| pref_lang, pref_region | Remember your language and region | Essential | 1 year |
| auto_routed | Show the “We opened the … site for you” notice on your first visit | Essential | 10 minutes |
| consent | Remember your cookie choice | Essential | 1 year |
| eu_visitor | Marks that your IP is in Europe or the UK, so we can ask for cookie consent | Essential | 1 day |
| session, signed_in | Keep you signed in (only set if you sign in) | Essential | 30 days |
| src | Record which channel you came from (e.g. xhs) for statistics | Analytics; consent required in Europe | 30 days |
| Partner affiliate tracking cookies | Set by partner banks or providers after you click Apply, so they know you came from us and we may earn a commission | Affiliate tracking; consent required in Europe | Set by the partner |
Visitors in Europe and the UK see a cookie consent prompt on their first visit. Until you agree, no affiliate tracking or analytics cookies are used. You can use the whole site without agreeing; Apply will use the public link without tracking. Change your choice any time via “Cookie settings” at the bottom of the page. Our visit statistics don't use cookies.
How to delete your data
- No account: open “My data” and choose “Clear data from this browser”, or clear this site's data in your browser.
- With an account: on “My data”, choose “Download my data” to keep a copy, then “Delete my account and all data”. Nothing is kept in our database afterwards.
- Every email has an unsubscribe link at the bottom.
- Click records and chat logs aren't linked to anyone's identity, so they can't be deleted per person; they are deleted automatically when they expire.
SSN, 여권 번호, 은행 계좌번호를 절대 요구하지 않습니다. 신청은 은행이나 플랫폼의 공식 웹사이트에서만 진행되며 이 사이트를 거치지 않습니다.
Questions about privacy? Reach us through the Contact page.
Retention periods and other details are a draft to be confirmed by the site owner before launch.