Cookie Policy
Last updated: February 18, 2026
Data Controller: Credizen
Compliance: PIPEDA, Quebec Loi 25, CASL
1. What Are Cookies?
Cookies are small text files placed on your device (computer, tablet, or smartphone) when you visit a website. They help remember your preferences, maintain site security, and analyze usage patterns.
2. Cookies We Use
Credizen.net uses the following categories of cookies:
2.1 Strictly Necessary Cookies (Always Active)
These cookies are essential for the website to function and do not require your consent.
| Name | Purpose | Duration | Provider |
|---|---|---|---|
tarteaucitron | Stores your cookie consent preferences | 12 months | Credizen (first-party) |
__Host-session | Session security, CSRF protection | Session | Credizen (first-party) |
2.2 Analytics Cookies (Require Your Consent)
These help us understand how visitors interact with the site so we can improve content and functionality.
| Name | Purpose | Duration | Provider |
|---|---|---|---|
_ga | Google Analytics 4 — anonymous user identifier | 2 years | Google LLC |
_ga_* | Google Analytics 4 — session state | 2 years | Google LLC |
_gid | Google Analytics 4 — user distinction | 24 hours | Google LLC |
2.3 Performance Cookies (Require Your Consent)
| Name | Purpose | Duration | Provider |
|---|---|---|---|
_clid | Microsoft Clarity — heatmap identification | 12 months | Microsoft Corp. |
_clsk | Microsoft Clarity — session state | Session | Microsoft Corp. |
3. How to Manage Cookies
3.1 Via the Consent Banner
On your first visit, a cookie banner powered by Tarteaucitron.js lets you:
- Accept All — enables all cookie categories
- Deny All — only strictly necessary cookies remain active
- Customize — choose categories individually
You can change your preferences at any time by clicking the privacy icon at the bottom of the page.
3.2 Via Browser Settings
You can configure your browser to block or delete cookies:
- Chrome: Settings → Privacy and security → Cookies
- Firefox: Settings → Privacy & Security → Cookies and Site Data
- Safari: Preferences → Privacy → Manage Website Data
- Edge: Settings → Cookies and site permissions
Note: Blocking all cookies may impair site functionality.
4. International Data Transfers
Analytics cookies (Google Analytics) and performance cookies (Microsoft Clarity) may transfer data outside Canada. These transfers are subject to contractual safeguards and the principles set out in PIPEDA and applicable provincial legislation (including Quebec's Loi 25). Google and Microsoft maintain data processing agreements and comply with international transfer mechanisms.
5. Legal Basis
- Strictly necessary cookies: Legitimate business purpose (site functionality) — no consent required under PIPEDA
- Analytics/performance cookies: Your consent, obtained through the cookie banner, as required by PIPEDA and Quebec's Loi 25
6. Your Rights
Under PIPEDA and applicable provincial privacy laws, you have the right to:
- Know what personal information is collected through cookies
- Withdraw your consent at any time
- Request deletion of data collected via cookies
- File a complaint with the Office of the Privacy Commissioner of Canada (OPC)
- For Quebec residents: File a complaint with the Commission d'accès à l'information (CAI)
7. Updates to This Policy
This policy may be updated periodically to reflect changes in legislation or our practices. We encourage you to review it regularly. The date of the last update is shown at the top of the page.
8. Contact Us
For questions about cookies:
- Email: privacy@credizen.net
- Contact page: Contact us
Privacy regulator: OPC (Office of the Privacy Commissioner of Canada)
Financial regulator: FCAC (Financial Consumer Agency of Canada)
For more information about how we handle your personal data, see our Privacy Policy.