Advertising Policy

1. Scope and disclosure

This page describes how advertising and ad measurement operate on divvy-apply.com. This site is an independent informational guide. If we run or participate in advertising programs, we do so transparently and in line with the policies of the advertising platforms we use, including Microsoft Advertising (Bing Ads).

2. Microsoft (Bing) advertising and Universal Event Tracking

When this site is promoted through Microsoft Advertising, we may use Universal Event Tracking (UET). UET places a cookie after you click one of our ads on the Microsoft network (Bing, Microsoft Edge Start, and partner sites) so that we can measure actions that matter — for example, reading a guide or reaching a specific page. This helps us understand whether our ads are useful and improve them.

• UET cookies are set only after you consent via the cookie banner (see our Cookie Policy).
• The data collected is limited to interaction signals such as page views and engagement events; it does not include names, addresses, or financial details.
• We may combine this with Microsoft's own measurement in accordance with Microsoft's terms.

3. Compliance with Microsoft Advertising policies

Any campaigns we run are designed to comply with Microsoft Advertising policies, including requirements on:

• Accurate representation: ads and landing pages describe the service honestly and do not mislead about affiliation. We clearly state that this is an independent guide and not the official BILL or card-issuer website.
• Financial-services standards: where spend-management or financial topics are involved, we present information responsibly, avoid unsupported claims, and do not promise guaranteed approvals, credit, or financial outcomes.
• Privacy and consent: measurement respects user consent and applicable law, including regional requirements.

4. Affiliate and sponsored content

If a page contains affiliate links, referrals, or sponsored placements, they will be clearly labeled as such near the relevant content. Editorial guides are written for readers first; commercial relationships never change what we state as fact.

5. No prohibited practices

We do not use deceptive redirects, auto-playing ads with sound, misleading claims, or techniques that disguise advertising as independent content without disclosure.

6. Opting out and controlling ads

You can decline optional cookies at any time via the banner, or clear site data to reset your choice. You can also manage interest-based advertising through Microsoft's opt-out tools and your browser settings. Declining measurement does not affect your ability to read any guide on this site.

7. Contact

Questions about advertising on this site: privacy@divvy-apply.com. Related policies: Cookie Policy · Privacy Policy.