Responsible and contact
Javier is the author of Creditplan and manages this personal publication. For privacy and exercise inquiries, write to hola.bzngr.apps@gmail.com.
If you write to me
I will receive your email address and the information you include in the message. I will use them to respond to you and manage your query, correction or proposal. The basis is the legitimate interest in attending to the communications you voluntarily address to the project; if you request a contractual relationship, the necessary previous measures will be applied to meet that request.
The mailbox uses Gmail, a Google service. We will keep messages during the management of the query and, when necessary, during the deadlines of legal obligations or responsibilities arising therefrom. You can request their removal when appropriate.
Writing is optional. Send only the necessary data to be able to answer you. The website does not have a contact form, reader registration or subscription to a mailing list.
Visits and accommodation
The pages are served through Google’s Firebase Hosting. To deliver the files and protect the service, the provider processes technical data from requests, such as the IP address, the requested resource and browser information. This processing allows you to provide the service and attend to your security, based on the legitimate interest in keeping the website available and protected.
Firebase indicates that it retains IP address data for a few months to detect abuses and analyze the use of the service. Firebase privacy information.
Affiliation and previous links
Promotional links have been paused since 3 November 2026. Previously published links used Impact to attribute actions to the affiliate programme. If you open one you had saved, the external services apply their own privacy and cookie terms. Creditplan does not include an Impact script.
Refer to the Impact Privacy Policy and the privacy information Mintos displays on your website. Creditplan does not receive the data you enter during registration in Mintos.
Analytic with your permission
Creditplan uses Google Analytics 4 to find out what content is read and improve the website. Measurement includes visited pages, device information and source of visits, opening of certain articles and using calculators. We do not send the amounts you enter in them.
The basis of this treatment is your consent. The Analytics label is only loaded when you accept the analytics. If you reject it, you can continue reading the website. Google Signals and advertising customization features are not activated in Analytics; the addresses sent exclude query parameters and fragments.
Analytics cookies have a set duration of 180 days. Google retains the measurement data according to the settings and conditions of the service; aggregate statistics can be kept for longer than a cookie. You can withdraw consent from "Cookies", at the bottom of the content pages. When you remove it, the measurement is stopped, the Analytics cookies are deleted from this website and the page is reloaded.
Google AdSense and Ad Preferences
Ads are limited to editorial articles and are not personalized. They are not shown on calculators, listings, contact or legal pages. In the EEA, UK and Switzerland they remain paused until Google confirms the necessary consent; rejecting it lets you keep reading without ads. You can change your choice in “Ad options” in the footer. Withdrawing consent stops requests and reloads the page to remove ads already loaded.
Creditplan is connected to Google AdSense. The revision was requested on October 8 of 2026 and approval is still pending. When the service is active, announcements may fund the project.
External providers, including Google, can use cookies and identifiers to display ads based on visits to this website and other sites. Advertising cookies allow Google and its contributors to customize ads when there is consent.
Google’s consent message for the European Economic Area, UK and Switzerland offers options to consent, not consent and manage purposes and suppliers. The advertising choice is independent of Analytics. It explains the treatment bases and suppliers of each purpose; personalized advertising requires your consent. Advertising code and its consent platform can connect with Google to manage the service and your choices.
When available, "Ad Options" at the bottom of the content pages allows you to re-open the message. You can also disable Google's custom advertising and consult options of other suppliers. Cookies and their deadlines depend on the providers and are consulted in the message; they do not necessarily share the Analytics deadline.
Cookies and browser storage
You can move the table to the sides to read all the columns.
| Element | Purpose | Duration |
|---|---|---|
Creditplan-consent-v1 | Local storage to remember whether you accept or reject analytics. | Choice valid for 180 days; then asked again. |
_ga and _ga_EYQ63V0VVS | Analytics cookies for the consensual measurement of visits. | 180 days configured. |
| Google Consent and Advertising | Manage preferences and provide authorized advertising services. | According to each provider; details in the consent message. |
You can delete cookies and local storage from your browser. This can erase your choices and make them re-order. This and Transparency pages are served without Analytics, AdSense or your consent message tags, so that you can freely consult the information.
Suppliers and transfers
The services used are Firebase Hosting, Google Analytics, Google AdSense and Gmail. Google and the advertising providers indicated in the message can receive the necessary data for their services. These providers can process information outside the European Economic Area in accordance with the applicable mechanisms and guarantees described in their terms, such as adequacy decisions or standard contractual clauses where applicable.
Refer to the Google Privacy Policy, how Google uses the data from sites that use its services and the information on the processing of data from its advertising services. When opening a link to Mintos or another website, the policies of the destination are applied.
Your rights
You can request access, rectification, deletion, limitation or opposition to treatment, and portability when applicable. You can also withdraw consent without affecting prior treatment. hola.bzngr.apps@gmail.com and indicate what you request. If you need to confirm your identity, only the information provided will be requested to allow you to do so.
If you consider that your rights have not been met, you can file a complaint with the Spanish Agency for Data Protection.
Creditplan does not use your messages for automated decisions. We do not request personalized ads.
Updates
This policy will be updated when services change or how data is processed. The revision date is shown at the beginning.