Cookie Policy
With this Cookie Policy, the company Clovr Labs, S.L., hereinafter CREDITCHECK, intends to inform what cookies are, how we use them and the options available to the user.
What are cookies?
Cookies are small text files that are stored on your device when you visit a website. They allow us to recognise your browser, remember your preferences and improve your overall experience.
Cookies can be:
- First-party cookies: set by CREDITCHECK directly from the ibancheck.io domain
- Third-party cookies: set by service providers (e.g., analytics, advertising, social media platforms)
Cookies Used, Purpose and Duration
Below are the main cookies used on the website:
Strictly necessary cookies:
| Name | Provider | Purpose | Duration |
|---|---|---|---|
| cookie_consent | CreditCheck | Store user consent preferences | persistent |
| session_id | CreditCheck | Manage user session | Session |
Performance and analytics cookies:
| Name | Provider | Purpose | Duration |
|---|---|---|---|
| _ga | Google Analytics | Distinguish unique users | persistent |
| *ga** | Google Analytics | Maintain session state | persistent |
| _gid | Google Analytics | Distinguish users | persistent |
Advertising and targeting cookies:
| Name | Provider | Purpose | Duration |
|---|---|---|---|
| _fbp | Meta (Facebook) | Conversion tracking and advertising | persistent |
| _gcl_au | Google Ads | Advertising conversion tracking | persistent |
This table will be updated periodically to reflect any changes in the cookies used. You can check the active cookies at any time through your browser settings or our consent management tool.
Third-party Cookies
We may use trusted third parties (e.g., analytics providers, advertising networks). These third parties may use their own cookies, subject to their respective privacy policies. CREDITCHECK is not responsible for the content or accuracy of the privacy and cookie policies of the third parties mentioned in this policy.
Open Banking Process Cookies
When the user initiates a banking connection process through Open Banking, open banking service providers (AISP) may set technically necessary session cookies to complete the authentication and authorisation flow with your banking institution.
These cookies are managed by the Open Banking provider and are subject to their own privacy and cookie policies, therefore CREDITCHECK is not responsible for the content or accuracy of the privacy and cookie policies of the third parties mentioned in this policy.
How to delete browser cookies?
The user has the option to allow, block or delete cookies installed on their device through their browser settings.
Since each browser operates differently, we provide links to the help pages of the main browsers used:
| Browser | Link |
|---|---|
| Google Chrome | Delete cookies in Chrome |
| Safari | Delete cookies in Safari |
| Microsoft Edge | Delete cookies in Microsoft Edge |
| Opera | Delete cookies in Opera |
| Mozilla Firefox | Delete cookies in Firefox |
Likewise, the user may at any time modify or revoke their consent through our cookie settings panel.
Personal Data
Regarding personal data collected through cookies, the user has the same rights recognised in our Privacy Policy.
Policy Updates
We may update this Cookie Policy periodically to reflect changes in technology, regulations or our business practices.