Privacy Policy

Last updated: 4 August 2026 · Draft template — have this reviewed by a lawyer qualified in North Macedonia before publishing.

1. Who we are

NajdiKredit ("we", "us") operates credits.ocslive.com, a free comparison service for loan and money transfer providers licensed in North Macedonia. This policy explains what personal data we collect when you use the site, why, and what rights you have over it.

2. What we collect

• Browsing data — pages visited, device and browser type, approximate location from IP address, collected automatically via cookies (see our Cookie Policy).
• Contact details — if you email or call us, or fill in a form, we keep what you send us (name, email, phone, message) to respond to you.
• Application data — when you click "Apply" or "Compare offer" on a partner's card, you leave credits.ocslive.com and continue on the partner's own site under their own privacy policy. We do not receive or store the personal details you submit there.

3. Why we process it

To operate and improve the comparison tool, respond to enquiries, measure which pages and partners are useful to visitors, and meet our own legal and accounting obligations. Where we rely on cookies for analytics or advertising measurement, we ask for your consent first (see the cookie banner).

4. Who we share it with

We don't sell personal data. We may share limited data with: analytics and hosting providers who process it on our behalf; and partner lenders/providers only in the sense that clicking through to their site is your own action, not a data transfer initiated by us.

5. Your rights

Under the Macedonian Law on Personal Data Protection (aligned with the EU's GDPR framework), you can ask us to access, correct, delete or export the personal data we hold about you, and you can withdraw cookie consent at any time. Contact us at the details on our Contact page to exercise these rights.

6. Data retention

We keep contact and enquiry data only as long as needed to handle your request, and analytics data in aggregate/anonymised form after that. Legal or accounting records are kept for the period required by Macedonian law.

7. Contact

Questions about this policy: support@credits.ocslive.com.