Cookie Policy

2. What Are Cookies?

Cookies are small text files stored on your computer, smartphone, tablet, or other device when you visit a website. They help websites function efficiently, remember your preferences, improve user experience, enhance security, and provide analytical information about website usage.

3. Types of Cookies We Use

A. Essential Cookies

These cookies are necessary for the proper functioning of our website. They help us:

• Maintain secure user sessions.
• Authenticate users.
• Process payments securely.
• Prevent fraudulent activity.
• Enable core website functionality.

These cookies cannot be disabled without affecting the operation of the website.

B. Performance & Analytics Cookies

These cookies help us understand how visitors interact with our website. They may collect information such as:

• Pages visited.
• Time spent on the website.
• Click behaviour.
• Device type.
• Browser type.
• Website performance.
• Error reports.

This information is used only to improve our website and services.

C. Functional Cookies

These cookies remember your preferences and settings, including:

• Preferred language.
• Login information.
• Form data.
• Region selection.
• User preferences.

These cookies provide a more personalized browsing experience.

D. Marketing & Advertising Cookies

These cookies may be used to:

• Display relevant advertisements.
• Measure advertising performance.
• Prevent repetitive advertisements.
• Improve marketing campaigns.

They may be placed by us or trusted advertising partners.

E. Third-Party Cookies

Some website features may rely on third-party services such as:

• Payment Gateway Providers
• Analytics Services
• Cloud Hosting Providers
• Live Chat Providers
• OTP & SMS Providers
• Embedded Videos
• Social Media Platforms

These providers may place cookies in accordance with their own privacy policies.

4. How We Use Cookies

CREDIT BUILDER uses cookies to:

• Operate our website securely.
• Improve website performance.
• Maintain secure login sessions.
• Process customer transactions.
• Remember user preferences.
• Understand visitor behaviour.
• Detect fraudulent activity.
• Improve customer experience.
• Support analytics and website optimization.
• Deliver relevant marketing communications where permitted.

5. Managing Cookies

Most web browsers automatically accept cookies. You may choose to:

• Accept all cookies.
• Reject non-essential cookies.
• Delete existing cookies.
• Block cookies entirely.
• Receive notifications before cookies are stored.

Please note that disabling essential cookies may affect certain website features and limit the functionality of our services.

6. Cookie Consent

When you first visit our website, you may see a cookie consent banner requesting your permission to use non-essential cookies. You may:

• Accept all cookies.
• Reject non-essential cookies.
• Change your preferences at any time through your browser settings or our cookie preference tool (if available).

Your continued use of the website after accepting cookies constitutes your consent to this Cookie Policy.

7. Data Protection

Any personal information collected through cookies is handled in accordance with our Privacy Policy and applicable laws. We implement appropriate technical and organizational safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction.

8. Updates to this Cookie Policy

We may update this Cookie Policy periodically to reflect changes in technology, legal requirements, or our business practices. The latest version will always be available on our website with the updated Effective Date and Last Updated date.