Privacy

Policy

1. Information We Collect

We collect information to provide and improve our services:

Personal Information

• Name, email address, and contact information
• Business information and company details
• Payment and billing information
• Account credentials and preferences

Usage Information

• Platform usage and interaction data
• Transaction and payment history
• Customer credit and payment information
• System logs and technical data

Device Information

• IP address and location data
• Browser type and version
• Device type and operating system
• Mobile app usage data

2. How We Use Your Information

We use your information for the following purposes:

• Provide and maintain our credit sales infrastructure platform
• Process transactions and manage payments
• Assess creditworthiness and manage risk
• Send payment reminders and collection notices
• Generate reports and analytics
• Provide customer support and respond to inquiries
• Improve our services and develop new features
• Ensure platform security and prevent fraud
• Comply with legal obligations and regulations

3. Information Sharing

We do not sell, trade, or rent your personal information. We may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who help us operate our platform, such as cloud hosting, payment processing, and customer support services.

Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

4. Data Security

We implement comprehensive security measures to protect your information:

• End-to-end encryption for data transmission
• Secure data centers with physical and digital security
• Regular security audits and vulnerability assessments
• Access controls and authentication systems
• Employee training on data protection
• Incident response and breach notification procedures

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Account information: Retained while your account is active
• Transaction data: Retained for 7 years for tax and legal purposes
• Payment information: Retained as required by financial regulations
• System logs: Retained for 2 years for security and debugging

When you delete your account, we will delete your personal information within 30 days, except where retention is required by law.

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Receive your data in a structured format
• Restriction: Limit how we process your information
• Objection: Object to certain processing activities
• Withdrawal: Withdraw consent for data processing

To exercise these rights, contact us at privacy@credvia.africa. We will respond within 30 days.

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience:

• Essential cookies: Required for platform functionality
• Analytics cookies: Help us understand platform usage
• Security cookies: Protect against fraud and abuse
• Preference cookies: Remember your settings and choices

You can control cookie settings through your browser preferences. Disabling certain cookies may affect platform functionality.

8. International Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers:

• Standard contractual clauses for data transfers
• Adequacy decisions by relevant authorities
• Certification schemes and codes of conduct
• Binding corporate rules for internal transfers

9. Children's Privacy

Our platform is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes via email or through the platform. Your continued use of our services constitutes acceptance of the updated Privacy Policy.

11. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us: