Cookies, in plain terms.
Your choice, kept simple.
This page says what we store on your device and why. It also shows how to change your mind. No dark patterns. Nothing buried in a footnote.
What a cookie does here
A cookie is a small text file. Your browser saves it when you visit a site. It lets that site remember one thing between pages. Ours remember very little. Four groups cover everything on cardpmt.com.
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Strictly necessary
These keep pages loading and forms working. They also help us block abuse. They run on every visit. Without them the site cannot work properly.
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Your consent record
One cookie stores the choice you make in the banner. It is the reason the banner stops asking. It holds a choice and a timestamp. Nothing else.
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Analytics
These count page views in aggregate. They show us which pages help merchants decide. They only run once you accept. Decline, and none are written.
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Advertising
We set none. This site runs no ad trackers and no cross-site profiling. We do not sell visit data. That is a policy, not a hidden setting.
The one cookie we set ourselves
Here it is in full. You can check every line of this against your own browser tools. Nothing in it identifies you.
- Name
- cpmt_privacy
- Type
- First-party consent record
- Purpose
- Stores the choice you made in the banner, plus the time you made it
- Lifetime
- 12 months from your choice
- Scope
- cardpmt.com · path / · SameSite=Lax
- Personal data
- None. No name, no email, no account ID
How to change your mind
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01
Answer the banner
Pick Accept cookies or Essential only. Your answer applies right away. It is stored on your own device.
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02
Change it later
Clear cookies for cardpmt.com in your browser. The banner comes back on your next visit. Choose again there.
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03
Set a browser rule
Every major browser can block or delete cookies per site. Look under privacy settings. Blocking all cookies can break parts of many sites.
Straight answers
The questions merchants actually ask us about tracking, data and what it means for an application.
Do cookies affect my application?
No. Underwriting reads the documents and trading history you send us. Your browsing here plays no part in the decision.
Do you sell what you collect?
No. Analytics data is aggregate and used to improve these pages. We do not trade it and we do not build visitor profiles.
What about sites you link to?
They set their own cookies under their own rules. Our policy stops at cardpmt.com. Read theirs before you accept anything.
Does declining limit the site?
Not in any way that matters. Every page, form and document stays open to you. Only the aggregate counting stops.
Questions about data or processing?
Ask a person. We answer plainly, before you apply and long after you go live.