Privacy Policy

We may collect the following data when you use Digital Credit Yield:

• Page view data collected via Google Analytics (anonymised IP addresses, pages visited, session duration)
• Cookie consent preferences stored locally in your browser via your browser's local storage
• Calculator inputs (investment amounts, share counts, yield rates, time horizons) stored locally in your browser via your browser's local storage to preserve your settings between sessions — this data is never transmitted to our servers or any third party
• Contact form submissions (name, email address, message content) sent directly to our email address
• Newsletter subscriptions (email address and subscription date) when you sign up for the daily snapshot email

We do not collect financial data, account information, or payment details.

Data collected is used solely to:

• Understand how visitors use the site (analytics) in order to improve it
• Respond to enquiries submitted via the contact form
• Send the daily snapshot email to newsletter subscribers — you can unsubscribe at any time via the link in every email or at digitalcredityield.com/unsubscribe, and your address is removed immediately
• Serve relevant advertisements via A-Ads — set automatically unless you're visiting from the UK or EEA, where they're only set once you accept our cookie banner
• Preserve your calculator settings (Growth Projector, vs Treasuries, and Dividend History income calculator inputs) between visits for your convenience
• Build and maintain a long-term dividend payment history for STRC, SATA, BMNP and CHAD — when you visit a Dividend History page, our server may fetch the latest public dividend data from Yahoo Finance (or, for BMNP and CHAD, the issuer's own SEC filings) and store it on our server to grow this record over time. This process involves no personal data whatsoever; only publicly available market information is stored.
• Display weekly capital flow data for STRC, SATA, BMNP and CHAD on the Money Flow page — this data is compiled from publicly available SEC 8-K filings and stored on our server. No personal data is involved; only publicly available regulatory filings are used.

We do not sell, rent, or share your personal data with third parties for marketing purposes.

This site uses the following third-party services, each with their own privacy policies:

• Google Analytics — website analytics. Google Privacy Policy
• A-Ads — advertising, including ads personalised from your past visits to this and other sites. A-Ads Privacy Policy
• TradingView (lightweight-charts) — open-source charting library used to render price and yield charts. Runs entirely client-side with no external requests to TradingView servers and no user data is collected or transmitted.
• Yahoo Finance — live price and dividend data, fetched server-side (no user data shared).
• Vercel — hosting platform and Blob storage. Our server stores non-personal market data (capital flow records, daily card data) in Vercel's Blob storage service. If you subscribe to the newsletter, your email address is stored in private Blob storage and used solely to send the daily snapshot. Vercel Privacy Policy
• Resend — email delivery service used to send contact form messages and the daily snapshot email to subscribers. Resend Privacy Policy

If you're visiting from outside the UK or European Economic Area (EEA), the cookies below are set automatically and no banner is shown. If you're visiting from the UK or EEA, non-essential cookies (analytics and advertising) are only set once you accept our cookie banner — you can decline instead, or withdraw consent at any time by clearing your browser's local storage for this site. We use cookies for the following purposes:

• Essential cookies: your cookie consent preference is stored in your browser's local storage; a short-lived cookie records which of these regions you're browsing from so the site knows whether to show the banner
• Calculator preferences: Growth Projector and vs Treasuries inputs are stored in your browser's local storage for your convenience — these are not consent-dependent as no personal data is involved and nothing is transmitted externally
• Analytics cookies (Google Analytics)
• Advertising cookies (A-Ads)

We use A-Ads to display advertisements on this site. A-Ads and its partners use cookies and similar technologies to serve ads, including ads based on your prior visits to this site and other sites across the internet — known as interest-based or personalised advertising.

You can decline advertising cookies via our cookie banner if you're in the UK or EEA (see Cookie Policy above), or block or delete cookies at any time in your browser settings — though some adverts may then be less relevant. For details of what A-Ads collects and how, see the A-Ads Privacy Policy.

If you are based in the UK or European Economic Area, you have the right to:

• Access the personal data we hold about you
• Request correction or deletion of your data
• Object to or restrict processing of your data
• Withdraw consent at any time
• Lodge a complaint with the Information Commissioner's Office (ICO) if you believe your rights have been violated

For any privacy-related queries, please contact us at: contact@digitalcredityield.com