Privacy Policy

P2PScore is committed to protecting your privacy. This policy explains what personal data we collect when you visit p2pscore.com, how we use it, and your rights under the General Data Protection Regulation (GDPR) and applicable data-protection laws.

1. Who we are

P2PScore is an independent editorial index and review site for European P2P lending platforms. We are not a broker, adviser, or investment platform; we do not hold client money or execute transactions on your behalf.

For data-protection purposes, P2PScore is the data controller. You can reach us at [email protected].

2. What data we collect

We collect minimal personal data, limited to what is necessary to operate the site and respond to your enquiries:

• Server logs: When you visit p2pscore.com, our web server automatically records your IP address, browser type, referring URL, pages visited, and timestamp. These logs are stored for up to 30 days for security, performance analysis, and troubleshooting.
• Contact emails: If you contact us via email, we process your email address, name (if provided), and message content in order to respond to your enquiry. We retain correspondence for up to two years for record-keeping purposes.
• Cookies: We use minimal first-party cookies to remember user preferences (for example, cookie-consent status). We do not use third-party advertising cookies. See Section 4 below for details.

We do not collect or store payment information, account passwords, or sensitive financial data. We do not require registration or user accounts to access any content on p2pscore.com.

3. How we use your data

The personal data we collect is used solely for the following purposes:

• Site operation and security: Server logs help us diagnose technical issues, prevent abuse, and understand aggregate traffic patterns (legal basis: legitimate interest in maintaining a secure and functional website).
• Responding to enquiries: Contact emails are processed to answer your questions or provide information you requested (legal basis: performance of a task carried out in your interest, or legitimate interest in business communication).
• Statistical analysis: Aggregated, anonymised data from server logs may be used to produce statistics on readership and content performance. No individual user is identifiable in these statistics.

We do not sell, rent, or share your personal data with third parties for their marketing purposes. We do not engage in profiling or automated decision-making that produces legal effects concerning you.

4. Cookies

P2PScore uses a minimal number of cookies:

• Strictly necessary cookies: These remember your cookie-consent choice and maintain session state during your visit. They expire when you close your browser or after a short period.
• Analytics (if enabled): We may use privacy-focused analytics tools that do not set persistent identifiers and do not track users across sites. Any such tool is configured to anonymise IP addresses and respect Do Not Track signals.

We do not use third-party advertising networks or social-media tracking pixels on p2pscore.com. When you click an affiliate link to a platform, that platform's own cookies and privacy policy apply once you leave our site - see Section 5.

5. Affiliate links and third-party sites

P2PScore earns affiliate commissions when readers sign up with platforms via our links (see our affiliate disclosure). When you click an outbound link to a platform - Maclear, Mintos, or any other - you are redirected to that company's website, which operates under its own privacy policy and may set its own cookies to track referrals.

We have no control over, and accept no responsibility for, the privacy practices of third-party platforms. We recommend reviewing each platform's privacy policy before creating an account or sharing personal information.

6. Data retention

We retain personal data only as long as necessary for the purposes set out in this policy:

• Server logs: Up to 30 days, then automatically deleted.
• Contact emails: Up to two years from the date of last correspondence, then deleted unless there is a legal or contractual obligation to retain them longer.

7. Your rights

Under GDPR and equivalent data-protection laws, you have the following rights regarding your personal data:

• Right of access: You can request confirmation of whether we process your personal data and obtain a copy of that data.
• Right to rectification: You can ask us to correct inaccurate or incomplete personal data.
• Right to erasure: You can request deletion of your personal data where there is no compelling reason for us to continue processing it.
• Right to restrict processing: In certain circumstances, you can ask us to limit how we use your data.
• Right to object: You can object to processing based on legitimate interest; we will cease processing unless we have compelling grounds that override your interests.
• Right to data portability: Where technically feasible, you can request a machine-readable copy of data you provided.

To exercise any of these rights, email [email protected] with "Data Request" in the subject line. We will respond within 30 days. You also have the right to lodge a complaint with your national data-protection authority if you believe we have not handled your data in accordance with the law.

8. Security

We take reasonable technical and organisational measures to protect personal data against unauthorised access, loss, or misuse. Our site is served over HTTPS (encrypted connection). Access to server logs and correspondence is restricted to authorised personnel only.

However, no internet transmission is completely secure. We cannot guarantee absolute security of data transmitted to or stored on p2pscore.com, and you provide information at your own risk.

9. International transfers

Our web hosting infrastructure is located within the European Economic Area (EEA). If we engage service providers outside the EEA, we ensure adequate safeguards are in place (such as standard contractual clauses approved by the European Commission) to protect your data in accordance with GDPR requirements.

10. Children's privacy

P2PScore is not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that a child has provided us with personal information, we will delete it promptly. Investing in P2P lending requires legal capacity and is generally restricted to adults.

11. Changes to this policy

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or site functionality. The "Last updated" date at the top of this page indicates when the policy was most recently revised. Continued use of p2pscore.com after changes have been posted constitutes acceptance of the updated policy.

12. Contact

If you have questions about this privacy policy or how we handle your data, please contact us:

Email: [email protected]
Website: https://p2pscore.com

This privacy policy applies solely to p2pscore.com and does not cover any third-party platform, service, or website linked from our pages.