Cookie Policy

Effective Date: 3 October 2025

Last Updated: 3 October 2025

This Cookie Policy explains how Crester Credit (“we”, “our”, “us”) uses cookies and similar technologies when you visit our website https://crester.co.nz.

 

---

 

 

1. What Are Cookies?

 

Cookies are small text files stored on your device (computer, tablet, or phone) when you visit a website. They help websites function properly, remember your preferences, and provide information to site owners.

We also use similar technologies such as pixel tags and local storage, which work in a similar way.

 

---

 

 

2. Types of Cookies We Use

 

 

(a) Strictly Necessary Cookies

 

Essential for the website to operate. They enable functions such as secure log-ins, loan application forms, and navigation. Without them, our site may not work properly.

 

• Examples: session cookies, security cookies.

 

 

(b) Performance and Analytics Cookies

 

These cookies collect information about how visitors use our site — for example, which pages are visited most often. We use this data to improve performance and user experience.

 

• Example: Google Analytics cookies track page views, session duration, and browser information.

 

 

(c) Functionality Cookies

 

These allow the website to remember your choices (such as form entries or preferences) to provide a more personalised experience.

 

(d) Targeting/Marketing Cookies

 

With your consent, we may use cookies to deliver relevant marketing or measure the effectiveness of advertising campaigns. While Crester Credit does not sell advertising space, third-party providers (e.g., Google) may place cookies for remarketing.

 

---

 

 

3. Third-Party Cookies

 

Some cookies on our website are set by third parties, including:

 

• Google Analytics – used to analyse site traffic and usage patterns. Data may be transferred to servers in the United States.
• Social Media Platforms (if integrated features are present) – may set cookies to track your interactions with our site.

 

For more information, see Google’s Privacy & Terms.

 

---

 

 

4. How Long Cookies Last

 

 

• Session cookies: deleted when you close your browser.
• Persistent cookies: remain on your device until they expire or you delete them.

 

Analytics cookies (e.g., Google Analytics) are kept for no longer than 26 months, after which they are automatically deleted.

 

---

 

 

5. Managing Your Cookie Preferences

 

You can control cookies in several ways:

 

• Browser Settings: Most browsers let you block or delete cookies.
• Google Opt-Out: You can opt out of Google Analytics with the Google Analytics Opt-out Browser Add-on.
• Consent Banner: When you first visit our site, you can choose to accept or reject non-essential cookies.

 

Please note: disabling certain cookies may affect website functionality.

 

---

 

 

6. Updates to This Policy

 

We may update this Cookie Policy occasionally. Any changes will be published on this page with a revised “Last Updated” date.

 

---

 

 

7. Contact Us

 

If you have questions about our use of cookies, please contact:

Privacy Officer

Crester Credit

Email: [email protected]

Phone: 03 385 4854

Address: 3 Shirley Road, Mairehau, Christchurch 8013, New Zealand