Cookie Policy
Version: PH-COOKIES-2026-09-25-v1. Effective date: 25 September 2026.
Who uses these technologies
Summarum Media Oy uses cookies and browser storage on credum.ph and app.credum.ph to maintain application sessions, recognise form interactions and attribute visits and referrals. Contact [email protected]. Address: 6795 Ayala Avenue, Makati City, 1209 Metro Manila, Philippines.
Application cookies
| Name | Purpose and content | Duration |
|---|---|---|
sfs_session |
Encrypted first-party session reference that maintains access to the application. The cookie does not contain the applicant’s identity fields. | 24 hours, renewed with activity. |
smoy_arm |
Keeps the assigned service variant consistent between visits. | Up to one year. |
Session storage holds temporary journey state for the current browser tab. Closing a tab ends its session-storage lifetime. Removing an application cookie can prevent return access to a saved application; it does not itself delete the server record.
Website attribution and form cookies
| Name | Purpose and content | Duration |
|---|---|---|
most_recent_utm_medium |
Records the most recent campaign medium supplied with a visit. | 60 days. |
summarum_pfn |
Records the campaign source/medium. | 60 days. |
summarum_cid, summarum_adgid |
Store hashed campaign and advertising-group identifiers from visit parameters. | 60 days. |
smoy_aid, smoy_paid |
Applicant and referral references used to connect the form interaction with a referral outcome. | 90 days when set by the website form. |
smoy_ifl |
Records whether the form identifies the enquiry as a new or returning lead. | 90 days when set. |
smoy_email, smoy_email_plain |
Store a hashed email value and an email address respectively for the website form and attribution. These are personal information, not anonymous identifiers. | 90 days when set. |
Cookies tied to campaign parameters or a form action are set when that parameter or action occurs, rather than all being present on every visit. Revisiting or repeating an action can renew a cookie.
Google Tag Manager and measurement
The website loads Google Tag Manager to manage measurement tags and pass website events. Tag Manager’s presence does not itself identify every cookie used by an individual Google or other advertising tag. Such services can process browser information, page and event details, campaign or click identifiers and, for identity matching where authorised, hashed information. Google’s information is available in its Privacy Policy and cookie information. The expiry shown for a particular provider cookie in your browser applies to that cookie; the 60- and 90-day periods above describe our named first-party cookies, not every third-party cookie.
Your controls
You can inspect cookies and their expiry dates, block third-party cookies, remove stored cookies or restrict site storage through your browser’s privacy settings. Blocking the session cookie can stop application access; blocking campaign cookies can affect attribution without cancelling an application already submitted. Clearing cookies does not undo information previously received by a provider or erase an application record held by Credum.
Marketing-message choices are separate from browser storage settings. To withdraw a consent given to Credum or request deletion of personal information, contact [email protected]. See our Privacy Policy and data-rights page.