Privacy Policy – Soscredit

The mobile application Soscredit (Bundle ID: pl.soscredit) and its associated website are owned and operated by SIA SCHAEFER, a company registered in Latvia under registration number LV50103412751.

We take your privacy seriously and are fully committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website and mobile application.

1. Data We Collect

When you use our website or mobile application, we may collect the following types of data:

• Phone number – for user authentication and account verification.
• Email address – for account setup, authentication, and communication purposes.
• User ID – to associate your account with your activity in the App.
• Device ID – to help 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) used solely to monitor and improve app stability.

We may also collect:

• Information you provide voluntarily (e.g., name, feedback, or messages submitted through forms).
• Technical data collected automatically through cookies, including your IP address, browser type, operating system, and access times.
• Details about your activity in the app or on the website, such as pages visited, services used, loan comparisons, and navigation patterns.

2. How We Use Data

We use the data collected to:

• Authenticate users and enable access to the app.
• Provide relevant financial product and service information.
• Personalize your website and app experience by tailoring offers and recommendations.
• Analyze user behavior to improve functionality, design, and usability.
• Ensure system stability, detect technical issues, and optimize performance.
• Communicate with you about updates, new features, special offers, or promotional content (only with your consent).
• Fulfill our legal and contractual obligations.

3. Data Sharing and Disclosure

We do not sell or rent your data to third parties. Your information may only be shared in the following situations:

• Trusted Partners: with reputable partners who help us operate and improve the website or mobile app.
• Legal Requirements: if disclosure is required by law, court order, or regulatory authorities.
• Protection of Rights: when necessary to protect our legal rights, interests, or system security.

4. Data Security

We adopt strict technical, administrative, and physical security measures to protect your personal data, including:

• Encryption (SSL/TLS) for secure data transmission,
• Access controls for authorized personnel only,
• Regular monitoring and system updates to prevent unauthorized access.

While we strive to ensure high levels of protection, please note that no method of online data transmission or storage is 100% secure.

5. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes described in this Policy or as required by law. Once the retention period expires, your data is securely deleted.

6. User Rights

You have the right to:

• Request access to your data,
• Correct inaccurate or incomplete information,
• Request deletion of your personal data,
• Restrict or object to certain processing activities,
• Withdraw your consent at any time (applies only to future processing),
• File a complaint with a supervisory authority in your jurisdiction.

7. International Data Transfers

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

8. Children’s Privacy

The Soscredit app and website are intended for adults aged 18 years and older. We do not knowingly collect personal data from individuals under this age. If we become aware of such data being collected inadvertently, we will delete it immediately.

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

This Privacy Policy may be updated from time to time to reflect changes in laws, services, or best practices. Updated versions will be posted on our website and within the app, with changes taking effect immediately upon publication. We encourage you to review the Policy regularly.

11. Contact Us

If you have questions or concerns about this Privacy Policy or the way we process your data, please contact us: [email protected]