Cookie Policy
1. Introduction
1.1. General
This website ("our site") uses cookies and similar technologies to distinguish you from other users. By using cookies, we can provide you with a better experience and improve our site by better understanding how you use it. To the extent that these cookies are not strictly necessary for the provision of our site and services, we will ask you to consent to the use of cookies when you first visit our site.
1.2. Glossary
In this Cookie Statement, unless the context requires otherwise, the following terms have the following meanings:
"Cookie" means a small file placed by our site on your computer or device when you visit certain parts of our site and/or when you use certain features of our site. Cookies generally do not contain any information that personally identifies a user, but personal information we store about you may be linked to the information stored in and obtained from cookies.
"Personal data" means any data relating to an identifiable person who can be identified, directly or indirectly, by that data, as defined in applicable data protection laws.
2. Contact details
Our site and services are offered and operated by Kredium. We are registered in the UAE, with the registered address at Office 13 & 14 Ground Floor, The Iridium Building, Umm Suqeim Road, Al Barsha 1, PO Box 418766, Dubai, United Arab Emirates and the company number 1040588.
You can contact us:
a) by post, to the above postal address,
b) by e-mail, using [email protected]
3. How does our site use cookies and what types of cookies are there?
3.1. Strictly necessary cookies
A cookie falls into this category if it is essential for the operation of our site, supporting features such as setting your privacy preferences, logging in, payment transactions or filling out forms. In other words, these cookies are used to enable the platform to function and cannot be disabled in our systems. They are usually only set in response to actions you have taken.
3.2. Analytical cookies
It is important for us to understand how you use our site, for example, how efficiently you navigate and what features you use. These cookies allow us to track visits and traffic so that we can measure and improve the performance of our site. They help us know which pages are the most and least popular and how users move through the platform. Analytical cookies allow us to collect this information and help us to improve our site and your experience of it.
3.3. Tracking cookies
These cookies record analytical (anonymous) information about how you visit the platform, in order to improve the platform and user experience, but also to be able to advertise in a more targeted way.
3.4. Functional cookies
Functional cookies allow us to provide you with additional features on our site, such as personalisation and remembering your stored preferences. Some functional cookies may also be strictly necessary, but not all of them necessarily fall into that category. These cookies may be set by us or by third party providers whose services we have added to our pages.
3.5. Targeting cookies
These cookies collect information about your activities on our site in order to provide you with targeted advertising. As with analytical cookies, this information helps us to better understand you and to make our site and advertising more relevant to your interests. These cookies can be set by our advertising partners via our site. They can be used by those companies to create a profile of your interests and show you relevant ads on other websites and or platforms.
3.6. Third party cookies
Third party cookies are not placed by us, but by third parties who provide services to us and/or to you. Third party cookies may be used by advertising services to provide you with customised advertising on our site, or by third parties providing analytical services to us (these cookies work in the same way as the analytical cookies described above).
3.7. Persistent cookies
Each of the above types of cookie can be a persistent cookie. Persistent cookies are cookies that remain on your computer or device for a predetermined period of time and are activated each time you visit our site.
3.8. Session cookies
Each of the above types of cookie can be a session cookie. Session cookies are temporary and only remain on your computer or device from the moment you visit our site until you close your browser. Session cookies are deleted when you close your browser.
4. How does our site use cookies and what types of cookies are there?
4.1. First party cookies
The following First party cookies may be placed on your computer or device:
| Name cookies | Purpose and type | Strictly necessary | Storage period |
|---|---|---|---|
| _ga | Registers a unique ID that is used to generate statistical data on how the visitor uses the website. | No | 2 years |
| _gat | Used by Google Analytics to throttle request rate | No | 1 day |
| _gid | Registers a unique ID that is used to generate statistical data on how the visitor uses the website. | No | 1 day |
| _hjAbsoluteSessionInProgress | This cookie is used to count how many times a website has been visited by different visitors - this is done by assigning the visitor an ID, so the visitor does not get registered twice. | No | 1 day |
| _hjFirstSeen | This cookie is used to determine if the visitor has visited the website before, or if it is a new visitor on the website. | No | 1 day |
| _hjIncludedInPageviewSample | Used to detect whether the user navigation and interactions are included in the website’s data analytics. | No | 1 day |
| _hjSession_# | Collects statistics on the visitor's visits to the website, such as the number of visits, average time spent on the website and what pages have been read. | No | 1 day |
| _hjSessionUser_# | Collects statistics on the visitor's visits to the website, such as the number of visits, average time spent on the website and what pages have been read. | No | 1 year |
| _hjTLDTest | Registers statistical data on users' behaviour on the website. Used for internal analytics by the website operator. | No | Session |
| _fbp | Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. | No | 3 months |
| _gcl_au | Used by Google AdSense for experimenting with advertisement efficiency across websites using their services. | No | 3 months |
| ads/ga-audiences | Used by Google AdWords to re-engage visitors that are likely to convert to customers based on the visitor 's online behaviour across websites. | No | Session |
| fr | Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. | No | 3 months |
| _tr | Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. | No | 3 months |
| kredium_session | Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. | Unclassified | 1 day |
5. How to control or delete cookies
You can set your Cookies preference by changing your browser settings. In order to do this, follow instructions provided by your
browser. You may delete Cookies at any time; however, you may lose any information that enables you to access the platform more quickly.
The links below provide instructions on how to manage cookies in all common browsers:
- Delete and manage cookies in Internet Explorer
- Delete and manage cookies in Mozilla Firefox
- Delete and manage cookies in Chrome
- Delete and manage cookies in Safari
For further information about Cookies, including how to see what Cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org.
6. Changes
We may change this Cookie Statement at any time. In such a case we will inform you of such change 30 days prior to such effective change. The details of the changes will be explained at the top of this page. You are therefore advised to check this page from time to time.
In case of inconsistency between the current version of this Cookie Statement and one or more previous versions of this Cookie Statement, the current and applicable provisions shall prevail, unless explicitly stated otherwise.
7. Your rights and information with regard to the processing of personal data
Some rights are complex and not all details are included here. Therefore, please read the relevant provisions and guidelines of supervisory authorities for a full explanation of these rights.
Your most important rights under the applicable laws are:
- the right of inspection;
- the right of rectification;
- the right to erase (oblivion);
- the right to restrict processing;
- the right to object to the processing;
- the right to data portability;
- the right to lodge a complaint with a supervisory authority; and
- the right to revoke your consent.
These rights are exercised in accordance with the terms and conditions set out in our Privacy Notice. More information about privacy, data protection and your rights can be found in the Privacy Notice.