1. Nature of this website — information only

SmartCreditcard.eu is an independent credit card comparison platform serving the Netherlands. All content on this website is provided solely for general informational purposes and is not legally binding. SmartCreditcard.eu does not offer financial products, does not grant credit and does not sell services directly to consumers. You cannot apply for, purchase or activate a credit card through SmartCreditcard.eu — all applications are processed exclusively through the official website or channels of the respective provider. SmartCreditcard.eu is not a financial services provider within the meaning of the Dutch Financial Supervision Act (Wft) and is not supervised by the Netherlands Authority for the Financial Markets (AFM) or De Nederlandsche Bank (DNB).

2. No financial, legal or professional advice

The content of SmartCreditcard.eu expressly does not constitute financial, legal, tax or any other form of professional advice and must not be used or interpreted as such. The comparisons, scores, assessments and any recommendations on this website are of a general nature only and do not take account of your personal financial situation, income, spending habits, goals, risk appetite or individual needs. Always consult a qualified, independent financial adviser, your bank or another legally qualified professional before making any financial decision based on information from our website. SmartCreditcard.eu accepts no responsibility whatsoever for decisions, actions or omissions you take — directly or indirectly — based on information on this website.

3. Accuracy, completeness and currency of information

We take great care to keep the information on SmartCreditcard.eu accurate and up to date. Nevertheless, rates, interest percentages, annual fees, eligibility criteria, reward programmes, product specifications and other details may be changed at any time without prior notice by the respective providers. SmartCreditcard.eu makes no warranty — express or implied — as to the completeness, accuracy, timeliness or fitness for any particular purpose of the information provided. Always verify the most current product information, terms and fees directly on the official website of the relevant provider before submitting an application or making a financial decision.

4. Affiliate links and commercial remuneration

SmartCreditcard.eu participates in affiliate programmes with credit card providers and financial institutions. We may receive a commercial fee (commission) when you apply for or take out a product via a referral link on our website. In accordance with the guidelines of the Netherlands Authority for Consumers and Markets (ACM) and the Advertising Code Committee (RCC) we disclose these commercial relationships transparently. We expressly state that any commercial fees do not influence the objectivity, ranking, assessment or editorial content of our comparisons. Not all providers or credit card products available in the Netherlands are represented on this website. The order in which products appear is based on objective criteria unless explicitly stated otherwise.

5. AI-generated and automated content

Parts of the information, product descriptions, comparison tables and other content on SmartCreditcard.eu may have been (partly) generated or compiled using artificial intelligence (AI) or automated processing techniques. Although we apply editorial oversight and quality checks, AI-generated content may contain errors, inaccuracies, outdated data or misleading formulations. SmartCreditcard.eu is not liable for any loss or damage — direct or indirect — arising from the use of AI-generated content. We strongly advise you to verify all information with the official source before relying on it or acting upon it.

6. Exclusion of liability

To the maximum extent permitted by law, SmartCreditcard.eu — its owners, directors, employees, representatives, licensors and partners — expressly excludes all liability for any loss or damage arising in connection with the use of this website, including but not limited to:

• –direct, indirect, incidental, special, consequential or punitive damages;
• –financial losses, debts or disadvantage resulting from decisions made on the basis of information on this website;
• –loss of revenue, profits, goodwill or data;
• –loss or damage caused by technical failures, interruptions, viruses, malware or unauthorised access;
• –loss or damage caused by (un)availability of the website or maintenance periods;
• –loss or damage arising from reliance on or use of external websites to which we link.

Use of SmartCreditcard.eu and the information on this website is entirely at the user's own risk. Where liability cannot be excluded by law, SmartCreditcard.eu's total liability is in any event limited to the amount paid out by its liability insurance in the relevant case.

7. Links to external third-party websites

SmartCreditcard.eu contains hyperlinks to websites of credit card providers and other third parties. These links are provided for information and convenience only. We have no control over the content, privacy policy, security, availability or accuracy of external websites. The inclusion of a link to an external website does not imply any endorsement, recommendation or commercial relationship by SmartCreditcard.eu with that website or its owners. SmartCreditcard.eu is not liable for the content of, or any loss or damage caused by, external websites to which we link. Once you leave our website via a link, the terms and privacy policy of the relevant external website apply.

8. Intellectual property

All content on SmartCreditcard.eu — including but not limited to texts, comparison tables, scores, methodologies, images, logos, icons, layout, source code and software — is the exclusive property of Smart Creditcard or its licensors and is protected by copyright, database rights and other intellectual property rights. Without the express prior written permission of Smart Creditcard it is not permitted to copy, reproduce, distribute, publish, adapt, transmit or use any content from this website for commercial purposes. Third-party brand names and logos are the property of their respective owners and are used for identification purposes only.

9. Website availability

SmartCreditcard.eu strives for continuous, error-free availability of the website but makes no guarantee that the website will be available at all times without interruptions or errors. We reserve the right to take the website or parts thereof offline at any time and without prior notice, whether temporarily or permanently, for maintenance, updates or any other reason. SmartCreditcard.eu is not liable for any loss or damage arising from (temporary) unavailability of the website.

10. Amendments to this disclaimer

SmartCreditcard.eu reserves the right to unilaterally amend this disclaimer at any time without prior notice. The most current version is always available on this page, marked with the date of the latest update. We recommend you check this page regularly. Continued use of the website following an amendment constitutes tacit acceptance of the revised disclaimer.

11. Governing law and jurisdiction

This disclaimer, the use of SmartCreditcard.eu and all disputes arising in connection therewith are governed exclusively by Dutch law, to the exclusion of private international law rules. Disputes that cannot be resolved amicably shall — without prejudice to SmartCreditcard.eu's right to bring proceedings before another competent court — be submitted to the competent court in the district of Zeeland-West-Brabant, the Netherlands. If you are a consumer, you retain the right to bring proceedings before the court of your own place of residence.

1. Who we are — the data controller

The data controller within the meaning of the General Data Protection Regulation (GDPR) is:

If you have any questions about this privacy policy or about the processing of your data, please contact us at the e-mail address above.

2. What data we process

SmartCreditcard.eu is a static comparison website that runs entirely in your browser. We do not process personal data on our servers. There is no registration, login or profile functionality. What is stored in your browser is limited to:

• →Anonymous click registration (localStorage): which credit cards you have viewed or clicked, stored as a technical identifier with no link to your identity. Stored exclusively on your own device.
• →Filter settings and preferences: your search and filter settings are stored locally for convenience. This data does not leave your device.
• →Standard web-server log files: your IP address (anonymised), browser type, operating system and the page visited are recorded by our hosting provider. This is standard web hosting practice. This data is not linkable to your identity and is not actively analysed by SmartCreditcard.eu.

We do not process special categories of personal data (such as financial data, national identification numbers or health information).

3. Purposes and legal basis for processing

The anonymous usage data in localStorage is processed solely for the following purposes:

• →Improving the functionality and quality of the comparison tool;
• →Anonymous statistics on popular products and usage patterns;
• →Verification of affiliate commissions with providers (anonymous click data only).

The legal basis for this processing is our legitimate interest under Article 6(1)(f) GDPR, namely improving the quality of our service. We have assessed that this interest does not override your privacy interests, since only anonymous technical data is processed that cannot be traced back to a natural person.

4. Cookies and local browser storage (localStorage)

SmartCreditcard.eu does not place analytical or marketing cookies on your device. We use browser localStorage solely for the anonymous functional purposes described above. LocalStorage is a technology that stores data on your own device and is not accessible to third parties.

You can delete localStorage data at any time via your browser settings (typically via "Clear site data" or "Clear browsing data"). This will not affect the functioning of the comparison tool.

5. Tracking and cookies from third-party providers

When you click through a link on SmartCreditcard.eu to a provider (e.g. ING, Rabobank, American Express, Revolut), you leave our website. From that point onwards, only the privacy and cookie policy of that provider applies. Providers may place cookies, use tracking pixels or apply other identification technologies when you visit their website. SmartCreditcard.eu has no control over this and is not responsible for it. We recommend you carefully read the privacy policy of the relevant provider before proceeding.

6. Sharing of data with third parties

SmartCreditcard.eu does not sell, rent, share or trade user personal data with third parties. We provide (anonymous) data to third parties only in the following strictly limited cases:

• →Legal obligation: where we are required to do so pursuant to a court order, statutory provision or order of a competent government authority.
• →Affiliate networks: solely anonymous, non-traceable click data for the purpose of verifying and administering affiliate commissions.
• →Hosting provider: our hosting provider has technical access to web server log files. This party is contractually bound by confidentiality and GDPR obligations.

7. Retention periods

We do not retain data longer than necessary for the purposes for which it was collected:

• →localStorage (your device): remains stored until you manually clear your browser data. SmartCreditcard.eu has no control over this after storage.
• →Web server log files: retained by our hosting provider for a maximum of 90 days, after which they are automatically deleted.

8. Your rights as a data subject (GDPR)

Under the GDPR you have the following rights in respect of the processing of your personal data:

• →Right of access (Art. 15 GDPR) — you may request to know what data we hold about you.
• →Right to rectification (Art. 16 GDPR) — you may request correction of inaccurate data.
• →Right to erasure / right to be forgotten (Art. 17 GDPR) — you may request deletion of your data.
• →Right to restriction of processing (Art. 18 GDPR).
• →Right to object (Art. 21 GDPR) — you may object to processing based on legitimate interest.
• →Right to data portability (Art. 20 GDPR).

Because SmartCreditcard.eu does not process or store personally identifiable data, it is in practice not possible to identify or link specific user data to an individual. You can delete your localStorage data yourself via your browser settings. For any other requests, please contact us at info@smartcreditcard.eu. We will respond within the statutory period of 4 weeks.

9. Security

SmartCreditcard.eu uses a secure HTTPS connection (TLS encryption) for all communication between your browser and our website. We take appropriate technical and organisational measures to protect the integrity of the website and anonymous usage data against unauthorised access, loss, destruction or disclosure. Because we do not store personal data on our servers, the risk of a data breach affecting users is minimal. In the unlikely event of a security incident we will act in accordance with the mandatory data breach notification obligation (Art. 33–34 GDPR).

10. Complaints — supervisory authority

If you believe we are processing your personal data in a manner that does not comply with the GDPR, please first contact us at info@smartcreditcard.eu so we can address your concern. You also always have the right to lodge a complaint with the supervisory authority:

11. Amendments to this privacy policy

We reserve the right to amend or supplement this privacy policy at any time, for example as a result of new legislation, technical developments or changes to our services. The most current version is always available on this page, marked with the date of the latest update. In the event of material changes we will announce these on the website. Continued use of SmartCreditcard.eu following an amendment constitutes acceptance of the revised privacy policy.