kreddo.pl

Affiliate Marketing Best Practices

Last updated: 4 April 2026

Our commitment

kreddo.pl operates as a Publisher (Wydawca) as defined by the "Affiliate Marketing Best Practices" guidelines published by the IAB Poland Affiliate Working Group (2021 edition). We partner with the affiliate network System Partnerski (produktyfinansowe.pl) to present offers from banks and financial institutions.

We adhere to IAB Poland's guidelines, which set the standards for fair cooperation between advertisers, affiliate networks, and publishers in Poland.

Information accuracy

  • We present financial product offers in a fair, transparent, and reliable manner.
  • We do not mislead Users about financial product terms — all data (interest rates, APR, fees) comes directly from our Partners.
  • We clearly state that kreddo.pl is not a credit intermediary or financial institution (disclaimer visible in the footer of every page).
  • Partner creatives and advertising materials are presented in accordance with their intended purpose and campaign terms.

Technical transparency

  • Tracking links are used in the form provided by the affiliate network, without modification of codes or parameters.
  • When a User clicks "Check offer", they are redirected to the Partner's website — from that point, the Partner's terms apply.
  • We only record the click event (source, category, time) for reconciliation and content optimisation purposes.

Anti-fraud measures

The Service does not engage in any fraud practices, specifically:

  • Cookie stuffing / cookie dropping — we do not place affiliate cookies without conscious User action.
  • Cache poisoning — we do not manipulate browser or server caching mechanisms.
  • Artificial traffic — we do not generate automated traffic using bots, scripts, or other tools.
  • Misleading practices — we do not use techniques that force clicks (misleading CTAs, forced clicks).
  • Spam — we do not send unsolicited commercial communications.

Data protection

  • We comply with GDPR, Polish Telecommunications Law (Art. 173), and the ePrivacy Directive.
  • We use a three-layer analytics model: server-side without cookies (legitimate interest), consent-gated analytics, consent-gated marketing.
  • A cookie consent banner allows Users to make granular choices before any analytics or marketing cookies are set.
  • Full data processing details are described in our Privacy Policy, Cookie Policy, and GDPR clause.

Cooperation with the affiliate network

  • We only use creatives and materials provided by the affiliate network or Advertisers.
  • Upon justified request from the network or Advertiser, we provide a detailed description of our promotional activities.
  • We maintain active communication channels to respond immediately to campaign changes.

User rights

Users have the right to:

  • Free and unlimited use of the comparison service.
  • Transparent information about which offers come from affiliate partners.
  • Manage cookie consent at any time.
  • Contact us with questions or complaints: kontakt@kreddo.pl.

Regulatory basis

These practices are based on:

  • "Affiliate Marketing Best Practices" — IAB Poland, Affiliate Working Group, edition 10.10.2021.
  • Regulation (EU) 2016/679 (GDPR).
  • Polish Telecommunications Law of 16 July 2004 (Art. 173).
  • Directive 2002/58/EC (ePrivacy Directive).
kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.