Privacy Policy

This Privacy Policy describes how BankrateToday (bankratetoday.xyz), operated by an individual based in Canada, collects, uses, and shares information when you visit our website. By using this site, you agree to the practices described in this policy.

BankrateToday is committed to protecting your privacy in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable privacy laws in the United States, including the California Consumer Privacy Act (CCPA) where applicable.

1. Information We Collect

Information You Provide

We do not require you to create an account or submit personal information to use this website. However, if you contact us via email, we will receive the information you choose to share.

Information Collected Automatically

When you visit BankrateToday, certain information is collected automatically, including:

• IP address and approximate geographic location (country/city level)
• Browser type and version
• Device type and operating system
• Pages visited, time spent on pages, and navigation paths
• Referring URL (the website that linked you to ours)
• Date and time of your visit

This information is collected via cookies and analytics tools described below. It does not directly identify you as an individual.

2. How We Use Your Information

We use the information collected to:

• Understand how visitors use our website and which content is most useful
• Improve website performance, content quality, and user experience
• Monitor traffic trends and diagnose technical issues
• Comply with legal obligations
• Respond to inquiries you send us directly

We do not sell your personal information to third parties.

3. Cookies and Tracking Technologies

BankrateToday uses cookies — small text files stored on your device — to operate and improve the website. We use the following types:

Essential Cookies

Required for the website to function correctly. These cannot be disabled.

Analytics Cookies

We use Google Analytics (via Google Site Kit) to collect aggregated data about website traffic and user behaviour. Google Analytics uses cookies to track sessions and page views. The data collected is anonymized and does not identify individual users.

You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Advertising Cookies

If Google AdSense advertisements are displayed on this site, Google may use cookies to serve ads based on your prior visits to this and other websites. You can opt out of personalized advertising at Google Ad Settings.

Managing Cookies

You can control and delete cookies through your browser settings. Disabling certain cookies may affect the functionality of some website features. For more information, visit allaboutcookies.org.

4. Third-Party Services

We use the following third-party services that may collect data when you use our website:

Google Analytics

Collects anonymized traffic and behaviour data. Governed by Google’s Privacy Policy.

Google AdSense

May display advertisements and use cookies to personalize ads. Governed by Google’s Privacy Policy. You can review Google’s advertising practices at How Google uses information from sites that use our services.

Affiliate Networks

We participate in affiliate marketing programs. When you click an affiliate link on our site, the affiliate network may set cookies to track referrals. These networks operate under their own privacy policies.

5. Affiliate Links Disclosure

Some links on BankrateToday are affiliate links. This means that if you click a link and subsequently sign up for or purchase a product or service, we may earn a commission at no additional cost to you.

Affiliate relationships do not influence our editorial content or rate comparisons. We only link to products and services we believe are genuinely useful to our readers. All affiliate relationships are disclosed in accordance with the Competition Bureau of Canada guidelines and the US Federal Trade Commission (FTC) disclosure requirements.

6. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share information only in the following circumstances:

• With third-party service providers (Google Analytics, Google AdSense, affiliate networks) as described in this policy
• When required by law, court order, or governmental authority
• To protect the rights, property, or safety of BankrateToday or its users

7. Your Privacy Rights

Canadian Residents (PIPEDA)

Under PIPEDA, you have the right to:

• Know what personal information we hold about you
• Request access to your personal information
• Request correction of inaccurate information
• Withdraw consent for the collection of your data (where applicable)
• File a complaint with the Office of the Privacy Commissioner of Canada

California Residents (CCPA)

If you are a California resident, you have the right to:

• Know what personal information is collected and how it is used
• Request deletion of your personal information
• Opt out of the sale of personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights

To exercise any of these rights, please contact us at the email address below.

8. Data Retention

Analytics data collected via Google Analytics is retained for 26 months by default, after which it is automatically deleted. We do not store personal information on our own servers beyond what is necessary to respond to direct inquiries.

9. Children’s Privacy

BankrateToday is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we do, we will update the “Last updated” date at the top of this page. We encourage you to review this page periodically. Continued use of the website after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

We aim to respond to all privacy-related inquiries within 30 days of receipt.