How Credzu uses cookies and similar technologies

Last updated: December 5, 2025

1. Introduction

Credzu uses cookies and similar technologies to improve the performance of our Platform and to give you a smoother, more secure experience. This Cookies Policy explains what cookies are, how we use them, and the choices you have.

By using Credzu, you agree to the use of cookies as described here.

If you have questions, contact us at info@credzu.com.

2. What Are Cookies?

Cookies are small text files stored on your device when you visit a website.
They help the website remember your actions and preferences.

Credzu also uses:

• Local storage (stored by your browser)
• Session storage
• Pixel tags
• Analytics scripts

These tools help us keep the Platform secure, functional, and user-friendly.

3. Types of Cookies We Use

3.1 Strictly Necessary Cookies

These cookies are essential for Credzu to work properly.
They allow you to:

• log in with your phone number
• stay authenticated as you navigate
• use secure areas of the Platform
• load essential features like chat, agreements, and payment tools

You cannot disable these cookies.

3.2 Performance & Analytics Cookies

We use these to understand how the Platform is used and to improve reliability and speed.

These cookies help us measure:

• which pages users visit
• where errors occur
• how long pages take to load
• which features are most helpful

Examples include:

• Google Analytics (or similar tools)
• Built-in usage analytics from our hosting platforms

This information is collected in aggregate form.

3.3 Functional Cookies

These help personalize your experience by remembering your preferences.

Examples include:

• remembering your device
• helping pages load faster
• storing interface settings

Turning these off may affect how smooth the Platform feels.

3.4 Security Cookies

These cookies help us:

• detect suspicious activity
• prevent unauthorized access
• protect against fraud
• ensure safe login sessions

Because Credzu handles financial and personal information, security cookies are essential.

4. Third-Party Technologies

Credzu uses trusted third parties to operate the Platform. These may place cookies or similar tools when needed for functionality, analytics, or security.

Examples include:

• Kinsta / Google Cloud Platform (hosting performance and caching)
• Amazon Web Services (AWS) (document and file storage)
• Payment processors (for ACH verification and fraud checks)
• Analytics providers
• Credit report providers (for secure retrieval of tri-merge reports)

We do not allow third parties to use your data for advertising.

5. Cookies Used for API-Based Consumer Referrals

When mortgage partners refer Consumers to Credzu through our API:

• cookies may be used to maintain referral attribution,
• ensure the referral is linked to the correct Partner,
• maintain continuity across login steps.

This ensures data flows correctly and securely between lender systems and Credzu’s Platform.

6. Your Choices

6.1 Browser Controls

Most browsers allow you to:

• block cookies
• delete cookies
• receive alerts when cookies are used

If you block certain cookies, some parts of Credzu may not work correctly.

6.2 Do Not Track (DNT)

Credzu does not respond to DNT signals because there is no industry standard for doing so.

7. How Long Cookies Last

Cookies may be:

• Session cookies (deleted when you close your browser)
• Persistent cookies (stored for a set period, unless you delete them)

Credzu uses both.

8. Changes to This Policy

We may update this Cookies Policy.
The updated version will be posted here with a new “Last updated” date.

Your continued use of Credzu means you accept the updated Policy.

9. Contact Us

Credzu, LLC
1980 N. Atlantic Avenue, Second Floor
Cocoa Beach, FL 32931
Email: info@credzu.com