CASHXCREDIT
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Legal & Compliance

Privacy Policy & Terms

At cashXcredit, we are committed to safeguarding your privacy and ensuring maximum transparency about how your financial inquiry details are processed.

Last Updated: September 2026 · Valid for all loan comparisons and inquiries
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Credit-Score Neutral

Initial loan comparisons and eligibility quotes do not alter or negatively affect your credit score with credit bureaus.

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256-Bit SSL Encryption

All submitted data and communication channels are protected with modern TLS 1.3 bank-level encryption standards.

1. Overview & Data Controller

This Privacy Policy applies to the services offered by cashXcredit ("we", "us", or "our") via our website and web application. We operate as an independent loan comparison and intermediary platform helping consumers compare financial credit products from licensed credit institutions and partner banks.

The data controller responsible for processing your personal data in accordance with the EU General Data Protection Regulation (GDPR) and local data privacy laws is:

cashXcredit Operations GmbH
Data Protection & Governance Department
E-Mail: privacy@cashxcredit.com
Hotline: +49 (0) 800 000 98 00

2. Information We Collect

Depending on how you interact with our comparison tools and digital application, we may collect and process the following categories of data:

  • Loan Parameters: Requested loan amount (e.g. €1,000 to €75,000), desired repayment term (e.g. 36 to 84 months), and purpose of financing (such as personal use, vehicle purchase, debt consolidation, or home renovation).
  • Contact & Identity Data: Full name, date of birth, residential address, email address, and phone number when requesting quotes or initiating an application.
  • Financial & Employment Details: Employment status, monthly net income, living expenses, and existing loan obligations required by partner banks to evaluate affordability.
  • Technical Usage Data: IP address, device type, browser specifications, and timestamps collected automatically during server communication for security and fraud prevention.

3. Purpose of Processing & Legal Basis

We process your data strictly on legitimate legal grounds pursuant to Art. 6 GDPR:

Contract Initiation (Art. 6(1)(b) GDPR)

Processing loan inquiries, calculating representative interest rates, and transmitting your application request to partner banks.

Legitimate Interest (Art. 6(1)(f) GDPR)

Platform stability, prevention of automated bot abuse, security auditing, and continuous UX optimization.

4. Partner Banks & Third-Party Data Sharing

To present real-time rates and pre-approved loan quotes, your inquiry parameters are securely transferred to licensed financial partners and credit institutions.

Credit Bureau Neutrality: Inquiries made through cashXcredit for comparison purposes are submitted with a credit-score neutral inquiry flag ("Konditionsanfrage"). This ensures that querying multiple options does not degrade your credit score.

We do not sell, rent, or trade your personal data to marketing third parties under any circumstances.

5. Pricing, Fees & Transparency

cashXcredit is committed to full financial clarity:

  • Comparing loans, viewing offers, and submitting eligibility checks is 100% free with no obligation.
  • Representative APR ranges between 9% and 10% depending on lender evaluation and creditworthiness.
  • A one-time service, documentation, and processing fee of 10% of the loan amount is clearly calculated into the repayment schedule only upon contract finalization. No surprise fees.

6. Data Security & Retention

We employ strict technical and organizational measures (TOMs), including TLS encryption, end-to-end authentication, and database access controls.

Data is retained only as long as required to fulfill the requested loan mediation or to satisfy statutory retention obligations (e.g. tax and commercial record retention periods under European financial regulations).

7. Your GDPR Rights

Under GDPR regulations, you hold the following rights at all times:

Right to Access (Art. 15)Obtain confirmation of what personal data is stored about you.
Right to Rectification (Art. 16)Correct any inaccurate or incomplete records.
Right to Erasure (Art. 17)Request deletion of your data when processing is no longer required.
Right to Restriction (Art. 18)Limit processing of your personal information.
Data Portability (Art. 20)Receive your data in a structured, machine-readable format.
Right to Withdraw (Art. 7)Withdraw your consent at any time without retroactive penalties.

8. Cookies & Tracking Technologies

Our website uses strictly necessary cookies to ensure basic session security and functionality (such as keeping track of your loan calculator inputs).

You can configure your browser settings to reject cookies or notify you when cookies are placed. Disabling essential cookies may impair core calculator functionality.

9. Contact & Data Protection Officer

If you have any questions, wish to exercise your rights, or have inquiries regarding our data protection policies, you can reach out directly:

Data Protection Officer

cashXcredit Operations

E-Mail: privacy@cashxcredit.com

Toll-free Hotline: 0800 000 98 00