Privacy Policy – Credity

The mobile application “Credity” (Bundle ID: ro.credity) and its associated website are owned and operated by SIA SCHAEFER, a company registered in Latvia under registration number LV50103412751.

At Credity, we take your privacy seriously and are fully committed to protecting your personal data. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights under applicable data protection laws.

1. Data We Collect

When you use the Credity app or website, we may collect the following information:

Personal Information

• Name – for user authentication and account registration.
• Phone number – for authentication and account verification.
• Email address – for account setup, authentication, and communication.

Technical and Usage Data

• User ID – to associate your account with your activity in the App.
• Device ID – to identify and resolve technical issues.
• Crash logs and diagnostics – to monitor app performance and improve stability.
• User preferences – to save your chosen settings for future use.
• Other diagnostic data – general technical information (e.g., performance metrics).
• Product interaction data – information about how you navigate and use app features.

Automatically Collected Data

Using cookies or similar technologies, we may also collect:

• IP address,
• Browser type / app version,
• Operating system,
• Date and time of access,
• Referring link.

2. How We Use Data

We use the collected data to:

• Authenticate and manage user accounts.
• Provide information about financial products and credit comparisons.
• Personalize your experience in the app and on the website.
• Monitor and improve app functionality, design, and performance.
• Provide customer support and resolve technical issues.
• Communicate with you regarding new products, special offers, and updates.
• Comply with applicable legal obligations.

You may opt out of promotional communications at any time by contacting us.

3. Data Disclosure

We do not sell, rent, or trade your personal data. We may disclose information only in the following cases:

• Trusted Partners – to ensure seamless service delivery and continuous improvement.
• Legal Obligations – when required by law, court order, or to protect our rights and interests.
• Security – when necessary to prevent fraud, misuse, or unauthorized access.

4. Data Security

We apply strict technical, administrative, and physical measures to protect your data, including:

• SSL/TLS encryption,
• Regular security updates,
• Restricted access to authorized personnel only.

Please note that no method of data transmission or storage over the Internet is 100% secure.

5. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes described in this Privacy Policy or as required by applicable law. After that, data will be securely deleted.

6. Children’s Privacy

Credity is intended for adults aged 18 and older. We do not knowingly collect or process personal data from individuals under the age of 18. If we become aware that such data has been collected inadvertently, we will delete it promptly.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the data we hold about you,
• Request corrections of inaccurate or incomplete data,
• Request deletion of your data,
• Restrict or object to data processing,
• Request data portability,
• Withdraw consent (applies only to future processing),
• File a complaint with a supervisory authority.

To exercise your rights, please contact us.

8. International Data Transfers

Your data may be processed on servers outside your country. We ensure safeguards are applied.

9. External Links

If the App leads to a third-party website or service, please note that their privacy policies may differ from ours. We are not responsible for the privacy practices or content of such third-party sites.

10. Policy Updates

We may update this Privacy Policy from time to time to reflect service improvements, new features, changes in the law, or industry best practices. Updates will be posted within the app and on the website, taking effect immediately upon publication.

11. Contact

If you have any questions or concerns regarding this Privacy Policy or how your data is handled, please contact us: [email protected]