Cookie Policy
Last updated: February 12, 2025 • Applies to: www.credizen.net (en-US)
1. What Are Cookies?
Cookies are small text files placed on your device when you visit our website. They help us understand how you use our service, remember your preferences, and improve your experience. Similar technologies include local storage, session storage, and pixel tags.
2. Cookies We Use
2.1 Strictly Necessary Cookies
These cookies are essential for the website to function and cannot be disabled.
| Cookie | Purpose | Duration |
|---|---|---|
| tarteaucitron | Stores cookie consent preferences | 12 months |
| session_id | Session management | Session |
2.2 Analytics Cookies
Help us understand how visitors interact with our website.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| _ga | Google Analytics 4 | Distinguishes unique users | 2 years |
| _ga_* | Google Analytics 4 | Maintains session state | 2 years |
| _clck | Microsoft Clarity | User identification | 1 year |
| _clsk | Microsoft Clarity | Session tracking | 1 day |
2.3 Functional Cookies
Enable enhanced functionality and personalization.
| Cookie | Purpose | Duration |
|---|---|---|
| locale_pref | Remembers language preference | 1 year |
| form_data | Saves loan form progress | Session |
3. Managing Your Cookie Preferences
When you first visit our site, a cookie consent banner lets you accept or customize cookies by category. You can change your preferences at any time by clicking the cookie settings icon in the footer.
You can also control cookies through your browser settings. Most browsers allow you to block or delete cookies. Note that blocking certain cookies may affect site functionality.
4. Do Not Track Signals
Some browsers offer a "Do Not Track" (DNT) feature. While there is no universal standard for how websites should respond to DNT signals, we respect your choice and limit tracking when DNT is enabled. We also comply with the Global Privacy Control (GPC) signal where technically feasible.
5. Third-Party Cookies
We use trusted third-party services that may set their own cookies:
- Google Analytics 4 — Web analytics. Privacy Policy
- Microsoft Clarity — User behavior analytics and heatmaps. Privacy Statement
We do not use advertising cookies or share cookie data with advertising networks.
6. Your Privacy Rights (US)
Depending on your state of residence, you may have specific rights regarding cookies and tracking technologies:
- California (CCPA/CPRA): Right to know what personal information is collected and shared, right to delete, right to opt-out of sale/sharing. We do not sell personal information.
- Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA): Right to access, correct, delete personal data and opt-out of targeted advertising.
- Other states: Similar rights may apply under state laws enacted in Texas, Oregon, Montana, and other states. We respect all applicable state privacy regulations.
To exercise any privacy right, contact us at privacy@credizen.net.
7. Data Retention
Cookie data is retained only as long as necessary for its stated purpose:
- Session cookies: deleted when you close your browser
- Analytics cookies: up to 2 years (or until you clear them)
- Consent cookies: up to 12 months
8. Changes to This Cookie Policy
We may update this policy to reflect changes in our practices or for regulatory reasons. Material changes will be noted with a revised "Last updated" date. We encourage you to review this page periodically.
9. Contact Us
For questions about our use of cookies:
- Email: privacy@credizen.net
- Privacy Policy: Full Privacy Policy
Regulatory note: Credizen complies with applicable US federal and state privacy laws including CCPA/CPRA (California), VCDPA (Virginia), CPA (Colorado), CTDPA (Connecticut), and other state consumer privacy acts. We do not sell your personal information. The FTC and state attorney general offices oversee consumer privacy enforcement.