Cookie Policy

1. Our Minimal Tracking Stance

At CardsGuruji, we respect your privacy and employ a minimal tracking approach. We do not actively create, store, or utilize proprietary cookies to track your personal browsing habits, harvest your data, or serve targeted display advertisements. Our primary Next.js application is designed to function smoothly without requiring you to accept intrusive local cookies.

2. Third-Party & Essential Cookies

While we do not store proprietary cookies, our website relies on a few essential third-party services to ensure security, route traffic, and measure site health. These services may place small text files (cookies) on your device:

• Security & Infrastructure: Web application firewalls and hosting infrastructure (such as Vercel or Cloudflare) may use strictly necessary cookies to prevent DDoS attacks, manage network traffic, and keep the site secure.
• Analytics (Google Tag Manager): We use aggregated, anonymized analytics to count page visits and identify broken links. These tools may use temporary session cookies.
• Affiliate & Bank Partner Links: When you click "Apply Now" or "Check Eligibility", you are redirected to our partner banks (e.g., HDFC, SBI, Axis). These external banking portals and affiliate networks use their own tracking cookies to correctly attribute the referral to CardsGuruji. We do not control these external cookies.

3. Managing Your Preferences

Because we do not rely on aggressive tracking, you are free to disable cookies in your browser without breaking the core functionality of our credit card comparison tools.

You can control and manage cookies through your browser settings (Chrome, Safari, Firefox, Edge). However, please note that blocking all cookies globally may interfere with the referral tracking when you are redirected to a bank's official application portal.