Cookie Policy

1. What are cookies?

Cookies are small text files that a website places on your device when you visit. They are widely used to make websites work, remember your preferences, and provide information to site owners. Cookies cannot run programs or deliver viruses to your computer.

This policy explains how That.You Credit uses cookies and similar technologies on our Site.

2. Essential cookies

Essential cookies are required for the Site to function. Without them, services you have asked for — such as staying signed in — cannot be provided. These cookies cannot be disabled without breaking core functionality.

Cookie name	Purpose	Duration
session	Keeps you signed in during your visit. Stores your session ID securely.	Session (cleared when browser closes)
remember_token	Remembers your login across browser sessions when you choose "stay signed in".	30 days
csrf_token	Protects forms from cross-site request forgery (CSRF) attacks. Required for account and form security.	Session
flash_messages	Temporarily stores confirmation messages (e.g., "Settings saved") shown after form submissions.	Session

3. Analytics cookies

We may use privacy-respecting analytics cookies to understand how visitors use the Site — which pages are most visited, how users navigate between sections, and where users leave. This helps us improve content and usability.

Key points about our analytics approach:

Analytics data is aggregated and anonymized — it is not linked to your personal identity.
We do not share analytics data with advertisers or data brokers.
We use tools configured to respect user privacy, including IP anonymization.
You can opt out of analytics cookies using your browser settings or an ad/tracker blocker.

4. What we don't use

We want to be explicit about what we do not do:

No advertising cookies. We do not serve ads and do not place advertising tracking cookies.
No retargeting. We do not share data with Facebook Pixel, Google Ads, or any retargeting network.
No cross-site tracking. We do not track you across other websites.
No data selling. We do not sell cookie data or any personal information to third parties.

5. Third-party cookies

Some features of the Site may involve third-party services that set their own cookies:

Google Sign-In: If you use "Sign in with Google," Google may set authentication cookies as part of the OAuth process. These are governed by Google's Privacy Policy.
Embedded content: If any page embeds third-party content (such as a video), those providers may set their own cookies. We minimize the use of embedded third-party content for this reason.

We do not control third-party cookies. Please review the privacy policies of those services for more information.

6. Managing and disabling cookies

You can control cookies through your browser settings. Here is how to manage cookies in the most common browsers:

Chrome: Settings → Privacy and security → Cookies and other site data
Firefox: Settings → Privacy & Security → Cookies and Site Data
Safari: Preferences → Privacy → Manage Website Data
Edge: Settings → Cookies and site permissions → Cookies and site data

Important: Disabling essential cookies (session and CSRF cookies) will prevent you from signing in to your account and using account-based features. Read-only features such as guides, articles, and calculators will still be available without cookies.

You can also use browser extensions such as uBlock Origin or Privacy Badger to block analytics trackers.

We may update this Cookie Policy to reflect changes in the cookies we use or for other operational, legal, or regulatory reasons. When we do, we will update the "Last updated" date at the top of this page.

Questions about our use of cookies? Contact us and we will respond within 10 business days.