Cookie Policy
- Effective
- 21 September 2026
- Last updated
- 21 September 2026
- Version
- 1.0
This policy lists the cookies and browser storage that zerocreditai.com actually uses. We do not use advertising or cross-site tracking cookies, and we do not sell data collected through cookies.
1. Strictly necessary cookies and storage
These keep the site working and cannot be switched off without breaking sign-in. They are set only when you use the relevant feature, and they are not used for measurement or marketing.
| What | Purpose | Type |
|---|---|---|
| Session / authentication token | Keeps you signed in to your workspace and protects requests to your account. | Cookie and browser local storage, set by our authentication layer |
| Security and abuse controls | Rate limiting and request integrity checks that protect the API and the site. | Server-side; request headers, not a tracking cookie |
| Cookie choice | Remembers whether you accepted or declined analytics, so we do not ask again. | Browser local storage |
| Interface preferences | Remembers interface state such as sidebar and theme choices. | Browser local storage |
2. Analytics cookies
We use Google Analytics 4 to measure aggregate website usage — which pages are visited, from which countries and on which device types. Analytics is set to denied by default and no analytics cookie is written unless you accept. If you accept, Google Analytics sets its own cookies (names beginning _ga) to distinguish browsers and sessions.
You can change your mind at any time using , which is also linked in the footer of every page. Declining analytics does not reduce any functionality.
3. Marketing cookies
We do not use advertising, retargeting or social-media tracking cookies on this website.
4. Third-party functionality
When you pay for a plan, checkout is handled in a window served by Razorpay, our payment gateway. Razorpay sets its own cookies inside that window under its own policies in order to process the payment and to detect fraud. We never receive or store your card details.
5. How your choice is recorded
Your choice is stored in your own browser, not on our servers, so we do not build a profile of visitors who decline. Clearing your browser storage resets the choice and the notice will appear again.