Effective Date: May 3, 2026
Last Updated: May 3, 2026
This Cookie Policy explains how Credit Card Wind (https://creditcardwind.com) uses cookies and similar tracking technologies when you visit our Site. This policy should be read in conjunction with our Privacy Policy and Terms of Use.
By using our Site, you consent to our use of cookies in accordance with this Cookie Policy. If you do not agree to our use of cookies, you should adjust your browser settings to refuse cookies, use our cookie consent management tool (CookieYes), or stop using our Site.
What Are Cookies?
Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit a website. Cookies allow websites to recognize your device, remember your preferences, and provide certain functionality.
Types of Cookies Based on Duration
- Session Cookies: Temporary cookies that expire when you close your browser. Used for essential Site functionality.
- Persistent Cookies: Cookies that remain on your device for a specified period (from days to years). Used for analytics, preferences, and advertising.
Types of Cookies Based on Ownership
- First-Party Cookies: Cookies set by Credit Card Wind directly.
- Third-Party Cookies: Cookies set by external services we use (analytics providers, advertising networks, affiliate platforms).
Why We Use Cookies
We use cookies for several important purposes:
Essential Site Functionality
Enable basic Site functions such as page navigation, security features, access to protected areas, and cookie consent preferences. These cookies are necessary for the Site to work properly.
Analytics and Performance
Understand how visitors use our Site, which pages are most popular, how long visitors spend on pages, and identify technical issues. This helps us improve our content and user experience.
Advertising
Display relevant advertisements through Google AdSense based on your interests and previous browsing behavior.
Affiliate Marketing
Track clicks on affiliate links to Credit Karma, Amazon, Udemy, and Coursera so we can earn commissions when you complete actions through these links.
User Preferences
Remember your preferences and settings (including cookie consent choices) to provide a personalized experience on future visits.
Cookie Consent Management with CookieYes
We use CookieYes, a cookie consent management platform, to help us comply with GDPR, CCPA, and other privacy regulations.
How CookieYes Works
When you first visit our Site, particularly from the European Economic Area (EEA), United Kingdom, or Switzerland, you will see a cookie consent banner powered by CookieYes that allows you to:
- Accept all cookies – Enables all cookie categories
- Reject non-essential cookies – Only allows essential cookies necessary for Site functionality
- Customize your preferences – Choose which cookie categories to allow (Analytics, Advertising, Affiliate Tracking)
Managing Your Cookie Preferences
You can change your cookie preferences at any time by:
- Clicking “Cookie Settings” in our website footer
- Using the CookieYes widget that appears on the Site
- Adjusting your browser settings (see “How to Manage Cookies” section below)
Your cookie preferences are stored and respected across your browsing sessions. CookieYes will remember your choices and automatically block or allow cookies based on your preferences.
What CookieYes Stores
CookieYes stores:
- Your cookie consent choices (which categories you accepted/rejected)
- Timestamp of when you gave consent
- Anonymized IP address (for compliance records)
- Browser and device information
CookieYes does not track your browsing behavior or share your data with third parties beyond what’s necessary for consent management.
Check out the CookieYes Privacy Policy
Cookies We Use
Below is a comprehensive list of cookies and tracking technologies used on Credit Card Wind:
Essential Cookies
Cookie Name: cookieyes-consent
Purpose: Stores your cookie consent preferences managed by CookieYes
Duration: 1 year
Type: First-party, essential
Provider: CookieYes
Cookie Name: wordpress_* and wp-settings-*
Purpose: WordPress technical cookies for Site functionality and security
Duration: Session or 1 year
Type: First-party, essential
Provider: Credit Card Wind (WordPress platform)
Cookie Name: PHPSESSID
Purpose: Preserves user session state across page requests
Duration: Session
Type: First-party, essential
Provider: Credit Card Wind
Analytics Cookies
Google Analytics
Cookie Names: _ga, _gid, _gat, ga*
Purpose: Distinguish users, throttle request rate, and collect usage data
Duration: _ga: 2 years / _gid: 24 hours / _gat: 1 minute
Type: Third-party, analytics
Provider: Google LLC. Google Analytics Privacy Policy
Opt-Out: Google Analytics Opt-Out Browser Add-on
What Google Analytics Tracks:
- Pages viewed and time spent on pages
- Referring to websites and search engines
- Device type, browser, operating system
- Approximate geographic location (city/country level)
- User interactions with calculators and content
Important: We have IP anonymization enabled in Google Analytics, which truncates IP addresses before storage.
Note: These cookies are only set if you consent to “Analytics Cookies” via the CookieYes consent banner.
Google Tag Manager
Cookie Name: None directly (manages other tags)
Purpose: Manages and deploys analytics and marketing tags
Type: Third-party, functionality
Provider: Google LLC. Google Privacy Policy
Hotjar
Cookie Names: hjSessionUser, hjSession, hjIncludedInSessionSample*, _hjAbsoluteSessionInProgress, _hjFirstSeen
Purpose: Session recording and heatmap analytics (anonymized) to understand user behavior and improve user experience
Duration: Session cookies: 30 minutes / User cookies: 1 year
Type: Third-party, analytics
Provider: Hotjar Ltd. Hotjar Privacy Policy
Opt-Out: Hotjar Opt-Out
What Hotjar Tracks:
- Mouse movements, clicks, and scrolling behavior (anonymized)
- Form interactions (but not the content typed)
- Device and browser information
- Pages visited and navigation patterns
Important: Hotjar does not track personally identifiable information. All recordings are anonymized.
Note: These cookies are only set if you consent to “Analytics Cookies” via the CookieYes consent banner.
Advertising Cookies
Google AdSense
Cookie Names: IDE, DSID, __gads, __gac, FLC, AID, TAID, exchange_uid
Purpose: Display relevant advertisements based on your interests and prior website visits; measure ad performance
Duration: Varies (13 months to 2 years)
Type: Third-party, advertising
Provider: Google LLC. Google Ads Privacy Policy
Opt-Out:Google Ads Settings
What Google AdSense Tracks:
- Your interests and browsing behavior across websites in Google’s ad network
- Which ads do you view and click
- Whether you interact with or convert from ads
- Device and browser information
Important: You can opt out of personalized advertising while still seeing ads (they will just be less relevant to your interests).
Note: These cookies are only set if you consent to “Advertising Cookies” via the CookieYes consent banner.
Affiliate Marketing Cookies
Impact.com (Credit Karma Affiliate)
Cookie Names: impactcm*, impact_tracker
Purpose: Track clicks on Credit Karma affiliate links and attribute sign-ups to Credit Card Wind for commission purposes
Duration: 30-90 days Type: Third-party, affiliate tracking
Provider: Impact Tech, Inc, Impact.com Privacy Policy
What Impact.com Tracks:
- When you click on Credit Karma links from our Site
- Whether you sign up for Credit Karma services
- Device and browser information for attribution
- Referring URL
Note: These cookies are only set if you consent to “Affiliate/Marketing Cookies” via the CookieYes consent banner.
Amazon Associates
Cookie Names: session-id, ubid-main, x-main, at-main, sess-at-main
Purpose: Track clicks on Amazon product links (books, etc.) and attribute purchases to Credit Card Wind for commission purposes
Duration: 24 hours to 1 year
Type: Third-party, affiliate tracking
Provider: Amazon.com, Inc. Amazon Privacy Notice
What Amazon Associates Tracks:
- When you click on Amazon product links from our Site
- Whether you purchase products on Amazon within the cookie window (typically 24 hours)
- Product views and cart additions
- Device and browser information
Note: These cookies are only set if you consent to “Affiliate/Marketing Cookies” via the CookieYes consent banner.
Udemy Affiliate Tracking
Cookie Names: Udemy-specific tracking cookies
Purpose: Track clicks on Udemy course links and attribute enrollments to Credit Card Wind for commission purposes
Duration: 7-30 days (typical affiliate window)
Type: Third-party, affiliate tracking
Provider: Udemy, Inc. Udemy Privacy Policy
Note: These cookies are only set if you consent to “Affiliate/Marketing Cookies” via the CookieYes consent banner.
Coursera Affiliate Tracking
Cookie Names: Coursera-specific tracking cookies
Purpose: Track clicks on Coursera course links and attribute enrollments to Credit Card Wind for commission purposes
Duration: 30 days (typical affiliate window)
Type: Third-party, affiliate tracking
Provider: Coursera, Inc. Coursera Privacy Notice
Note: These cookies are only set if you consent to “Affiliate/Marketing Cookies” via the CookieYes consent banner.
Email Marketing Cookies (ConvertKit)
Cookie Names: ConvertKit may set cookies when you click links in our weekly newsletter emails
Purpose: Track email link clicks and attribute actions to email campaigns
Duration: 30 days
Type: Third-party, email marketing
Provider: ConvertKit LLC (kit.com) ConvertKit Privacy Policy
What ConvertKit Tracks:
- When you click links in our email newsletters
- Which emails do you open
- Email engagement patterns
Note: ConvertKit cookies are only set if you click links in our emails, not by visiting the website directly. These are classified as “Analytics Cookies” in the CookieYes consent banner.
Social Media and Verification Cookies
Pinterest Website Verification
Cookie Names: Pinterest-specific cookies (if any are set during verification)
Purpose: Verify Site ownership with Pinterest for analytics and potential Pinterest integration.
Duration: Varies
Type: Third-party, verification
Provider: Pinterest, Inc. Pinterest Privacy Policy
Other Tracking Technologies
In addition to cookies, we may use other tracking technologies:
Web Beacons (Pixels)
Small transparent images embedded in web pages or emails that track when pages are viewed or emails are opened. Used by Google Analytics, Google AdSense, affiliate networks, and ConvertKit (in emails).
Local Storage
Browser storage mechanisms (HTML5 local storage, session storage) allow websites to store data locally on your device. May be used by some third-party services for preferences or functionality.
JavaScript
Scripts that run in your browser to enable Site functionality, analytics, advertising features, and cookie consent management (CookieYes).
How to Manage Cookies
You have several options to control or limit cookies:
Option 1: Use Our Cookie Consent Tool (Recommended)
The easiest way to manage cookies on Credit Card Wind is through CookieYes:
- Click “Cookie Settings” in our website footer
- The CookieYes preference center will open
- Toggle cookie categories on/off:
- Essential Cookies (cannot be disabled – required for Site functionality)
- Analytics Cookies (Google Analytics, Hotjar, ConvertKit tracking)
- Advertising Cookies (Google AdSense)
- Affiliate/Marketing Cookies (Impact.com, Amazon, Udemy, Coursera)
- Click “Save My Preferences”
Your choices are stored and respected on all future visits to our Site.
Option 2: Browser Settings
Most browsers allow you to:
- View what cookies are stored and delete them individually or all at once
- Block third-party cookies while allowing first-party cookies
- Block all cookies (note: this may affect Site functionality)
- Receive notifications when cookies are set
How to adjust cookie settings in common browsers:
- Google Chrome: Settings → Privacy and security → Cookies and other site data → Choose your preference
- Mozilla Firefox: Settings → Privacy & Security → Cookies and Site Data → Manage settings
- Safari: Preferences → Privacy → Cookies and website data → Manage options
- Microsoft Edge: Settings → Cookies and site permissions → Cookies and site data → Manage preferences
Note: If you block or delete cookies using browser settings, some parts of our Site may not function properly, and you may lose certain preferences or settings. Additionally, browser settings do not communicate with CookieYes, so you may still see the consent banner.
Option 3: Opt-Out of Specific Services
You can opt out of specific third-party services directly:
- Google Analytics: Install the Google Analytics Opt-Out Browser Add-on
- Google Ads (AdSense): Visit Google Ads Settings and turn off ad personalization
- Hotjar: Visit Hotjar Opt-Out Page
- Network Advertising Initiative (NAI): Opt out of many advertising networks at once
- Digital Advertising Alliance (DAA): Opt out of interest-based advertising
- European Interactive Digital Advertising Alliance (EDAA): For EU users: Your Online Choices
Do Not Track (DNT) Signals
Some browsers offer “Do Not Track” (DNT) signals that request websites not to track you. Credit Card Wind does not currently respond to DNT signals because there is no industry-standard interpretation of how to respond to these signals.
However, you can use the opt-out methods described above (particularly our CookieYes consent tool) to limit tracking even without DNT signals.
Mobile Device Settings
Mobile devices (iOS, Android) offer settings to limit ad tracking:
- iOS: Settings → Privacy → Tracking → Toggle off “Allow Apps to Request to Track” / Settings → Privacy → Apple Advertising → Toggle on “Limit Ad Tracking.”
- Android: Settings → Google → Ads → Opt out of Ads Personalization
Cookie Consent
For European Economic Area (EEA), UK, and Swiss Users
Under GDPR and related privacy laws, we are required to obtain your consent before placing non-essential cookies on your device.
When you first visit our Site from the EEA, UK, or Switzerland, you will see a cookie consent banner powered by CookieYes that allows you to:
- Accept all cookies
- Reject non-essential cookies
- Customize your cookie preferences by category
Non-essential cookies (Analytics, Advertising, Affiliate) will NOT be set until you provide consent. Essential cookies (required for Site functionality and cookie consent management) are set automatically.
You can change your cookie preferences at any time by clicking the “Cookie Settings” link in our website footer.
For Users in Other Jurisdictions
For users in California and other CCPA jurisdictions: The CookieYes consent banner includes options to manage cookies and opt out of data sharing with third parties (advertising and affiliate partners).
For users in other locations: By continuing to use our Site after seeing our cookie consent banner, or by clicking “Accept All Cookies,” you consent to our use of cookies as described in this Cookie Policy.
Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational reasons. When we make changes, we will:
- Update the “Last Updated” date at the top of this policy
- Post the revised policy on this page
- Provide notice of material changes through our Site or via email (if you have subscribed to our weekly newsletter)
Your continued use of our Site after changes become effective constitutes acceptance of the revised Cookie Policy.
Contact Us
If you have questions or concerns about this Cookie Policy or our use of cookies, please contact us:
Owner: Robert Williams
Email: [email protected]
Website: https://creditcardwind.com
We will respond to your inquiry within a reasonable timeframe, typically within 5-7 business days.
Additional Resources
- Privacy Policy – Learn how we collect, use, and protect your personal information
- Terms of Use – Understand the terms governing your use of our Site
- Disclaimer – Important legal disclaimers about our content and tools
- Advertiser Disclosure – Information about our affiliate relationships
- Editorial Policy – How we create and maintain our content
This Cookie Policy is effective as of May 3, 2026, and governs the use of cookies on Credit Card Wind.