Cookie Policy

Last updated: January 26, 2025

1. What Are Cookies?

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

Cookies contain information that is transferred to your device's hard drive. They help us recognize your device and store some information about your preferences or past actions.

2. How We Use Cookies

TangiCred uses cookies and similar technologies for the following purposes:

2.1 Essential Cookies (Always Active)

These cookies are necessary for our website to function properly and cannot be disabled:

• Authentication: Remember your login status and session information
• Security: Protect against fraudulent activity and maintain site security
• Consent Management: Remember your cookie preferences
• Accessibility: Store your accessibility settings and preferences

2.2 Functional Cookies

These cookies enhance your experience but are not essential:

• Preferences: Remember your language, region, and display settings
• User Interface: Maintain your customization choices
• Form Data: Temporarily store form information

2.3 Analytics Cookies (Requires Consent)

These cookies help us understand how visitors interact with our website:

• Usage Statistics: Track page views, session duration, and navigation patterns
• Performance Monitoring: Identify technical issues and slow-loading pages
• Feature Usage: Understand which features are most valuable to users

2.4 Marketing Cookies (Requires Consent)

Currently, we do not use marketing or advertising cookies. If this changes, we will update this policy and seek your consent.

3. Detailed Cookie Information

The following table provides detailed information about the cookies we use:

Cookie Name	Purpose	Type	Duration
tangicred-session	Maintains your login session	Essential	Session
tangicred-cookie-consent	Stores your cookie preferences	Essential	12 months
tangicred-accessibility-settings	Remembers accessibility options	Functional	12 months
tangicred-csrf	Cross-site request forgery protection	Essential	Session
_ga	Google Analytics — user identification	Analytics	2 years
_gat	Google Analytics — request throttling	Analytics	1 minute
_gid	Google Analytics — session identification	Analytics	24 hours

4. Third-Party Cookies

Our website may contain content from third-party services that may set their own cookies:

4.1 Google Analytics

We use Google Analytics to understand website usage. Google may use cookies to:

• Distinguish unique users and sessions
• Throttle request rate
• Remember traffic source information

You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

4.2 Payment Processors

When you make payments, our payment processors (Stripe, PayPal) may set cookies for:

• Fraud prevention
• Payment processing
• Secure transaction handling

5. Managing Your Cookie Preferences

5.1 Cookie Banner

When you first visit our website, you'll see a cookie banner allowing you to:

• Accept All: Allow all cookies including analytics
• Necessary Only: Allow only essential cookies
• Learn More: Read this detailed policy

5.2 Browser Settings

You can control cookies through your browser settings:

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

5.3 Mobile Devices

For mobile browsers, cookie settings are typically found in the browser's settings menu. Consult your device's help documentation for specific instructions.

6. Impact of Disabling Cookies

Disabling cookies may affect your experience on our website:

6.1 Essential Cookies Disabled

• You may not be able to log in or maintain sessions
• Security features may not function properly
• Accessibility settings won't be remembered

6.2 Functional Cookies Disabled

• You'll need to re-enter preferences each visit
• Customization settings won't persist
• Some features may not work as expected

6.3 Analytics Cookies Disabled

• No impact on website functionality
• We won't track your usage patterns
• Helps us improve our services based on aggregated data

7. Local Storage and Similar Technologies

In addition to cookies, we may use other storage technologies:

7.1 Local Storage

HTML5 local storage may be used to:

• Store user preferences and settings
• Cache application data for better performance
• Maintain state between browser sessions

7.2 Session Storage

Session storage is used for:

• Temporary data during your current session
• Form data to prevent loss during navigation
• Application state management

8. Cookie Security

We implement security measures to protect cookie data:

• Secure Flag: Cookies transmitted only over HTTPS
• HttpOnly Flag: Prevents client-side script access
• SameSite Attribute: Protection against cross-site attacks
• Encryption: Sensitive data is encrypted before storage

9. Data Protection and Privacy

Cookie data is subject to our Privacy Policy and UK GDPR requirements:

• We process cookie data lawfully and transparently
• You have rights regarding data stored in cookies
• We implement appropriate security measures
• Data is retained only as long as necessary

10. International Transfers

Some cookies (like Google Analytics) may involve data transfers to countries outside the UK. These transfers are protected by:

• Adequacy decisions where applicable
• Standard Contractual Clauses
• Appropriate safeguards and security measures

11. Updates to This Policy

We may update this Cookie Policy to reflect:

• Changes in our cookie practices
• New technologies or services
• Legal or regulatory requirements
• Feedback from users

Material changes will be communicated through our website or by email.

12. Contact Information

If you have questions about our use of cookies:

TangiCred Limited
Address: 63 Acer Apartments, W12 7LT London, England, Great Britain
Company Registration: 16640916
Email: hello@tangicred.com

13. Regulatory Information

This Cookie Policy complies with:

• UK General Data Protection Regulation (UK GDPR)
• Privacy and Electronic Communications Regulations (PECR)
• Data Protection Act 2018
• ePrivacy Directive requirements

If you have concerns about our cookie practices, you can contact the Information Commissioner's Office (ICO) at ico.org.uk.