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 Google AdSense (only with your consent)
• 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 and BMNP — when you visit a Dividend History page, our server may fetch the latest public dividend data from Yahoo Finance 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 and BMNP 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
• Google AdSense — advertising. Only loaded with your cookie consent.
• Web fonts — DM Sans and Roboto Mono are self-hosted at build time via Next.js. No requests are made to Google Fonts or any third-party CDN for font files.
• 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

We use cookies for the following purposes:

• Essential cookies: your cookie consent preference is stored in your browser's local storage
• 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): only set if you accept cookies
• Advertising cookies (Google AdSense): only set if you accept cookies

You can withdraw consent at any time by clearing your browser's local storage for this site.

We use Google AdSense to display advertisements on this site. Google and its partners use cookies to serve ads based on your prior visits to this site and other sites across the internet. This is known as interest-based or personalised advertising.

Google's use of advertising cookies enables it and its partners to serve ads based on your browsing history. You can opt out of personalised advertising at any time using either of the following:

• Google Ads Settings — manage how Google uses your data for advertising
• aboutads.info — opt out of interest-based advertising from participating companies
• Network Advertising Initiative opt-out

Google AdSense operates under Google Consent Mode on this site. If you decline cookies via our cookie banner, consent signals remain denied — no advertising cookies are set for personalised advertising and no consented data is shared with Google for ad personalisation. For more information on how Google uses data from sites that use its services, see How Google uses information from sites or apps that use our services.

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