Cookie Policy

The website credminds.com is operated by CREDMINDS (SMC-PRIVATE) LTD. (Lahore, Pakistan) and CREDMINDS TECHNOLOGIES (Dubai, UAE), acting jointly as Data Controllers (collectively, “Credminds”, “we”, or “us”). This Policy applies to all visitors to the website.

Cookies are small text files placed on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used to make websites work, or work more efficiently, and to provide reporting information to website operators.

Cookies set by the website operator are called first-party cookies. Cookies set by parties other than the website operator are called third-party cookies. Third-party cookies enable third-party features or functionality to be provided on or through the website, such as analytics.

We also use technologies that perform similar functions to cookies, including pixel tags, local storage, and similar identifiers. Throughout this Policy, references to “cookies” include these similar technologies unless the context otherwise requires.

3.1 Strictly Necessary Cookies

These cookies are essential for the website to function and cannot be switched off in our systems. They are typically only set in response to actions you take, such as submitting a form or setting your preferences. You can configure your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.

3.2 Analytics Cookies

We use Google Analytics 4 (operated by Google LLC) to understand how visitors use our website so that we can improve it. Google Analytics 4 places cookies on your device (typically named _ga and _ga_<property-id>) that contain a randomly generated identifier and information about your visits. The information collected includes pages viewed, time spent on the website, referring URLs, approximate geographic location derived from IP address, and device characteristics.

Where required by applicable law (including the GDPR and UK GDPR), analytics cookies are set only after you have given your consent. You may withdraw your consent at any time without affecting the lawfulness of Processing carried out before withdrawal.

The following third parties may set cookies or similar technologies through our website:

• Google LLC — Google Analytics 4 (analytics) and Google Fonts (web-font delivery via the Google Fonts API). Google’s privacy practices are described at policies.google.com/privacy .

We do not currently use advertising cookies, social-network cookies, or cross-context behavioural-advertising trackers.

You have several options to manage your cookie preferences:

• Browser settings. Most modern browsers allow you to view, delete, and block cookies. The procedure varies by browser; see the help documentation for your specific browser: Chrome , Firefox , Safari , Edge .
• Google Analytics opt-out. You can install the Google Analytics Opt-out Browser Add-on to prevent your data from being used by Google Analytics on any website you visit.
• Do Not Track. Some browsers offer a “Do Not Track” (DNT) signal. There is currently no industry consensus on how to interpret DNT signals, and we do not currently respond to them. We will update this Policy if our practice changes.

Please note that disabling certain cookies may affect the functionality of our website.

We may update this Cookie Policy from time to time to reflect changes in the cookies we use, the technologies we deploy, or applicable law. The “Effective” and “Last updated” dates at the top of this Policy indicate when it was most recently revised.

If you have any questions about our use of cookies or this Cookie Policy, please contact us at info@credminds.com, or write to either of the controllers identified in our Privacy Policy.