Cookie Policy

1. Introduction

This Cookie Policy explains how Spectrum Credit ("we," "us," or "our") uses cookies and similar tracking technologies on our website spectrum-credit.com. This policy should be read alongside our Privacy Policy and Terms of Service.

2. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners about how users interact with their site.

2.1 Types of Cookies

• Session Cookies: Temporary cookies that are deleted when you close your browser
• Persistent Cookies: Cookies that remain on your device until they expire or you delete them
• First-Party Cookies: Set by our website directly
• Third-Party Cookies: Set by external services we use

3. How We Use Cookies

4. Third-Party Services

We use various third-party services that may set their own cookies. These include:

4.1 Website Analytics

• Used to understand website usage patterns
• Helps improve user experience and content
• Data is anonymized and aggregated

4.2 Social Media Integration

• Enables social sharing functionality
• May track your interactions with social content
• Subject to third-party privacy policies

4.3 Content Delivery Networks

• Improves website loading speed
• May set technical cookies for optimization
• Generally necessary for website functionality

5. Managing Your Cookie Preferences

5.1 Browser Settings

You can control cookies through your browser settings. Here's how to manage cookies in popular browsers:

5.2 Opt-Out Options

For specific types of tracking, you can opt out through these services:

• Advertising: Visit youronlinechoices.eu for EU-based opt-outs
• Analytics: Most analytics providers offer browser opt-out extensions
• Social Media: Adjust privacy settings in your social media accounts

6. Cookie Categories in Detail

6.1 Strictly Necessary Cookies

These cookies are essential for website functionality and include:

• Authentication and security tokens
• Shopping cart contents (if applicable)
• Form submission data
• Load balancing and performance optimization

6.2 Performance and Analytics

These cookies help us improve our website by providing insights into:

• Most popular pages and content
• User journey and navigation patterns
• Error tracking and technical issues
• Website speed and performance metrics

6.3 Functionality and Personalization

These cookies enhance your experience by:

• Remembering your preferences and settings
• Providing personalized content recommendations
• Enabling advanced website features
• Customizing the user interface

6.4 Marketing and Advertising

These cookies enable us to:

• Show relevant advertisements based on your interests
• Measure the effectiveness of marketing campaigns
• Prevent showing the same ad repeatedly
• Track conversions and return on advertising spend

7. Data Transfer and Storage

Cookie data may be processed and stored:

• On servers located in the UK and EU
• By third-party service providers (subject to data protection agreements)
• In accordance with applicable data protection laws
• With appropriate security measures in place

8. Children's Privacy

Our website is not intended for children under 16. We do not knowingly collect personal information from children through cookies or any other means. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

• Changes in technology or legal requirements
• New cookies or tracking technologies we implement
• Updates to third-party services we use
• Improvements to our website functionality

When we make significant changes, we will notify users through our website and update the "Last Updated" date at the top of this policy.

10. Your Rights

In relation to cookies and the personal data they may collect, you have the right to:

• Withdraw consent at any time
• Access information about the cookies we use
• Request deletion of cookie data (where technically feasible)
• Lodge a complaint with the Information Commissioner's Office (ICO)

11. Contact Information

12. Technical Information

12.1 Cookie Lifespan

Different cookies have different lifespans:

• Session cookies: Deleted when you close your browser
• Persistent cookies: Remain until expiry date or manual deletion
• Secure cookies: Only transmitted over encrypted connections
• HttpOnly cookies: Not accessible via JavaScript for security

12.2 Alternative Technologies

Besides cookies, we may use similar technologies such as:

• Local storage and session storage
• Web beacons and pixel tags
• Server logs and IP address tracking
• Device fingerprinting (for security purposes only)

This Cookie Policy is designed to provide transparency about our use of cookies and similar technologies. We are committed to respecting your privacy choices and providing you with control over your data.