Cookie Policy
At CreditVanta.com (“CreditVanta”, “we”, “us”, “our”), transparency is a duty, not a courtesy. This Cookie Policy explains—plainly yet precisely—what cookies are, why we use them, how long they live on your device, what choices you have, and how our approach dovetails with Indian law, including the Information Technology Act, 2000 (“IT Act”), IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (“IT Rules”), and the Digital Personal Data Protection Act, 2023 (“DPDP Act, 2023”). Read this with our Privacy Policy for the full picture.
1) What are cookies?
Cookies are small text files placed on your browser or device when you visit a website. They act as memory—so the site can remember your preferences, keep you logged in, improve performance, and serve content or ads relevant to you. Cookies are widely used across the internet; they are not executables and cannot run code by themselves.
We also use similar technologies—local storage, pixels, beacons, and SDKs—collectively referred to as “cookies” for simplicity in this Policy.
2) Why do we use cookies?
We employ cookies for legitimate purposes, including:
- Strictly Necessary Functions: Enabling site navigation, server load balancing, caching, fraud prevention, and session management. Without these, the website cannot function reliably.
- Performance & Analytics: Measuring page speed, understanding where users face friction, and improving our tools (e.g., our CIBIL Score Savings Calculator) with aggregate statistics.
- Preferences & Personalisation: Remembering your settings (e.g., preferred language), so you don’t have to repeat basic choices.
- Advertising & Measurement: Supporting Google AdSense and other ad partners to show relevant ads, cap frequency, and measure ad performance.
- Security: Detecting unusual behaviour, preventing abuse, and protecting both you and us from malicious activity.
3) Types of cookies we set
| Category | Examples | Purpose | Typical Lifespan |
| Strictly Necessary | __cf_bm, session IDs, anti-CSRF tokens | Site operation, load balancing, security | Session / up to 1 day |
| Functional/Preference | user_locale, theme toggles | Remembering language or display choices | 1 day – 12 months |
| Analytics | Google Analytics cookies (e.g., _ga, _gid) | Aggregate usage metrics, diagnostics | 24 hours – 24 months |
| Advertising | Google AdSense cookies | Relevant ads, frequency capping, measurement | Session – 13 months |
| Local Storage | calculator_inputs (if used) | Holding non-sensitive tool inputs locally | Until cleared by you |
Note: Our calculator inputs (like score values) are processed locally for computation and are not stored on our servers unless you explicitly submit data via a form.
4) Third-party cookies & partners
We may integrate services such as Google Analytics and Google AdSense. These third parties may place cookies to provide their services (analytics/ads/measurement). Their processing is governed by their policies and, where applicable, your consent. We do not control third-party cookies directly.
5) Your control & choices
You remain in charge. You can:
- Use our consent banner/manager (if displayed) to accept, reject, or fine-tune categories of cookies (other than strictly necessary cookies).
- Adjust your browser settings to block or delete cookies. Most browsers allow you to refuse all or some cookies and to delete existing ones.
- Opt-out of personalised ads via Google Ads Settings and other industry tools.
- Clear local storage from your browser if you wish to purge saved tool inputs or preferences.
Blocking non-essential cookies may affect personalisation and certain features; blocking strictly necessary cookies may impair the site’s basic functioning.
6) Special notes for Indian users under DPDP Act, 2023
- We rely on consent (for non-essential cookies) and legitimate uses (for essential cookies that enable security or core functionality).
- Where consent is the basis, you can withdraw consent at any time via your browser or our consent tools.
- We keep data minimisation in mind: we avoid collecting more than what is necessary for a clear purpose.
7) Children and cookies
Our content is general audience. We do not knowingly target or profile children (persons under 18 years) with personalised advertising.
8) Security posture
We follow reasonable security practices under the IT Act/IT Rules and apply industry-standard safeguards such as TLS encryption in transit, access controls, and periodic reviews. No security is infallible, but diligence is our constant obligation.
9) Updates to this Policy
Technology and law evolve. So will this Policy. Substantive changes will be reflected here with an updated “Effective Date”.
10) Contact & grievances
Questions or concerns about cookies? Contact our Grievance Officer / DPO:
- Email: grievance@creditvanta.com
- Acknowledgement: within 24 hours
- Resolution target: within 15 working days
By continuing to use our site after seeing the cookie banner, you consent to the placement and reading of cookies as described.