Purpose of this privacy policy

The purpose of this privacy policy is to explain how Creditify collects, uses, and shares your personal data and what rights you have with respect to your data.

What data we collect and when?:

Sources from which personal data comes:

• 01

  When you provide them to us directly through forms on our Website (for example, by filling out a loan application or otherwise);

• 02

  From third party websites designed to generate leads in connection with the provision of services, including those offered by Creditify;

• 03

  Publicly available sources (e.g., public profiles on social media such as Facebook or LinkedIn);

• 04

  Automatically through IT tools (e.g., information about your behavior on our Website obtained through the Google Analytics tool).

Why we collect your personal data?

The main purpose of using your data is to help you find a loan, analyze personal data to select a suitable Lender.

We process data collected through the use of our Website and Services (such as information about your browsing and use of our Website) to improve your user experience by ensuring that the Website and Services are intuitive. Legal basis - our legitimate business interest in improving the Website and user experience, which does not override your interests or fundamental rights and freedoms, given the nature of the data and its aggregate use.

To the extent permitted by applicable data protection laws, you have the right to object to the processing of your personal data on the basis of legitimate interest.

In addition, with your permission, we may disclose your personal data to third parties so that they can send you marketing messages about their products or services.

If personal data is processed on the basis of your consent, you may withdraw your consent at any time by contacting us at [email protected].

We may also process your personal data in order to comply with our legal obligations (e.g., to share your personal data with appropriate authorities and to comply with our anti-money laundering and anti-terrorist financing obligations). This type of processing is based on compliance with our legal reporting obligations.

What is automated decision making?

Automated decision-making is a process where decisions are made using algorithms without active human intervention. In our Services, we create or update your credit profile and scoring based on your credit preferences, the data you provide, and your history of using our Services. We compare your profile with the terms and conditions of various Lenders and offer you a list of potential Lenders who we believe are willing to provide a loan under the selected terms and conditions. The results are based on information from Lenders and our assessment of their previous behavior. Read the Lenders' privacy policies for details on their benefits.

The results of our profiling cannot be considered as affecting your chances of getting a loan.

Who has access to personal data? What is the policy on sharing your personal data?

We only share your personal data when we have a compelling reason to do so and when such sharing is permitted by law.

We only enter into contracts with service providers that provide sufficient guarantees to implement appropriate technical and organizational security measures to protect your personal data.

Creditify transfers the personal data it collects to recipients that fall into the following categories:

• 01

  Credit institutions;

• 02

  Email providers;

• 03

  SMS service providers;

• 04

  Analytical service providers;

• 05

  IT and marketing companies that process personal data on the same servers where Creditify stores personal data may have access to that personal data;

How long we keep your personal data?

We retain your personal data for as long as necessary to fulfill the purpose for which it was provided to us and for as long as necessary to protect your rights as required by applicable law. We may retain your personal data for certain years after the termination of our relationship if it is necessary to protect your rights as required by applicable law. If there are different purposes for which your personal data is processed, it will be stored for the longest period of time.

Subject to the maximum statute of limitations for claims arising from these transactions under applicable law, if the obligated person intentionally violates its obligations, we may retain your personal data related to such claims for a maximum of 10 years from the date of the statute of limitations.

Your rights

In accordance with the applicable law, you have all the rights provided by law in relation to your personal data. These rights include, but are not limited to, the following rights:

• 01

  Request access to your personal data;

• 02

  Correct or complete incorrect or inaccurate data;

• 03

  Deletion of personal data;

• 04

  Restrict the processing of your personal data;

• 05

  Transfer of your personal data;

• 06

  Object to the processing of personal data based on our legitimate interests, as well as to the processing of personal data for direct marketing purposes;

• 07

  Provide Creditify with additional data to complete incomplete personal data related to the data subject;

Please note that the rights related to your personal data are not absolute and may be subject to change based on considerations permitted by applicable law.

To exercise your rights, please contact us at the following contact information.

If you believe that your rights in relation to your personal data have been violated, please contact us at the following contact information.

In the event that our personal data processing practices change or we need to amend this Privacy Policy in accordance with the requirements of applicable law, court practice or instructions issued by competent authorities, we have the right to unilaterally amend this Privacy Policy at any time. If the changes are material and affect you in any way, we will notify you by email and a pop-up window will appear on our Website before such changes become effective.

Contact Us

If you have any questions about our processing of your personal data or if you wish to exercise any of your rights, please contact us at the following contact details: [email protected].

Creditify will respond to a request without undue delay and in any event within one month of receipt of the request (this period may be extended by two months based on circumstances). The response time will depend on the number of requests that Creditify receives and the content of the particular request.

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