Cookie Policy
Transparent information about how Credizen South Africa uses cookies
Last updated: 18 February 2026
This Cookie Policy explains what cookies are, how we use them on Credizen South Africa, and how you can manage them according to your preferences. We comply with the Protection of Personal Information Act (POPIA), 2013 and the guidelines of the Information Regulator.
1. What Are Cookies?
Cookies are small text files stored on your device (computer, mobile phone, tablet) when you visit a website. They allow the website to:
- Remember your preferences and settings
- Improve your browsing experience
- Understand how you use the site so we can improve it
- Provide specific functionality (such as remembering your session)
2. What Types of Cookies Do We Use?
At Credizen South Africa, we use different types of cookies depending on their purpose:
2.1 Strictly Necessary Cookies
These cookies are essential for the basic functioning of the website. They do not require your consent because the site cannot function properly without them.
Examples:
- Website security and protection against attacks (CSRF tokens)
- Remembering which form you are completing
- Maintaining functional navigation
2.2 Analytics and Performance Cookies (Optional)
These help us understand how visitors interact with the website by collecting information anonymously or pseudonymously. These require your consent.
Examples:
- Google Analytics 4 (GA4) โ traffic and behaviour analysis
- Microsoft Clarity โ heatmaps and session recordings (anonymous)
- Performance metrics (page load time, errors)
Note: This data is used only to improve the user experience and is never shared with lenders or used for credit decisions.
2.3 Affiliate Tracking Cookies (Optional)
When you click a link to a financial provider, technical identifiers may be used to track the referral. These require your consent.
Examples:
- Affiliate parameters (UTM codes, click IDs)
- Conversion tracking (if you obtain a loan)
Important: We never share sensitive data (income, requested amount) through cookies. Only technical identifiers are used to correctly attribute referrals.
3. Cookies We Use
| Name | Type | Duration | Purpose |
|---|---|---|---|
| _ga | Analytics (GA4) | 2 years | Distinguish unique users |
| _ga_* | Analytics (GA4) | 2 years | Persist session state |
| _clck | Analytics (Clarity) | 1 year | Unique user identifier |
| _clsk | Analytics (Clarity) | 1 day | Connect multiple page views |
| tarteaucitron | Essential | 12 months | Store cookie preferences |
4. How Can I Manage Cookies?
You have full control over cookies on our website. You can:
Option 1: Cookie Preferences Panel
When you first visit our site, you will see a cookie banner. You can accept all cookies, reject optional ones, or customise your preferences.
Change preferences later: Click "Cookie Settings" in the footer of any page.
Option 2: Browser Settings
All modern browsers allow you to manage cookies from their settings:
- Google Chrome: Settings โ Privacy and Security โ Cookies and other site data
- Firefox: Preferences โ Privacy & Security โ Cookies and Site Data
- Safari: Preferences โ Privacy โ Manage Website Data
- Microsoft Edge: Settings โ Privacy, search and services โ Cookies
Warning: Blocking essential cookies may affect the functioning of the site.
5. Legal Framework and Your Rights (POPIA)
The use of cookies that collect personal information is regulated by the Protection of Personal Information Act (POPIA), 2013. As a data subject, you have the right to:
Your Rights Under POPIA
- Access โ request confirmation of what personal information we hold about you
- Correction โ request that we correct or update inaccurate personal information
- Deletion โ request the destruction of personal information where there is no legal obligation to retain it
- Object โ object to the processing of your personal information for analytics or marketing purposes
- Complain โ lodge a complaint with the Information Regulator
To exercise these rights, contact us at info@credizen.net with the subject line "POPIA Rights โ Cookies" and include your full name and a description of your request.
Response time: We will respond within 30 days of receiving your request, as required by POPIA Section 23.
6. Supervisory Authority
Information Regulator (South Africa)
The authority responsible for the protection of personal information under POPIA
inforegulator.org.zaComplaints email: complaints.bi@inforegulator.org.za
Tel: +27 (0)10 023 5200
7. Updates to This Policy
We may update this Cookie Policy periodically to reflect changes in our practices or legal requirements. We recommend reviewing it regularly. The date of the last update is shown at the top of this document.
8. More Information
For more details about how we process your personal information, please see:
- Privacy Policy โ Full details on the processing of personal information
- Terms and Conditions โ Website terms of use
- Contact Us โ Form for enquiries and requests
Important note: Credizen is not a lender or financial institution. We are an independent loan comparison platform. The cookies we use do not affect the credit decisions of lenders and do not share sensitive information from your application. They are used only to improve the site experience and track affiliate referrals transparently. All lenders listed are registered with the National Credit Regulator (NCR).
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000
- Czech Republic: ฤNB (ฤeskรก nรกrodnรญ banka) - 224 411 111