Privacy Policy of Credit Consult

This Privacy Policy describes how Credit Consult ("we", "us", or "our"), located at 3 Vokzalna Square, Kyiv, 01032, UA, collects, uses, and discloses information in connection with our mobile applications for financial management and accounting, and other related services (collectively, "our services"). We are committed to protecting your personal data and ensuring its privacy and security.

1. Information We Collect

We collect various types of information to provide and improve our services to you. The types of information we collect depend on how you interact with our applications and services.

• Personal Information You Provide: This includes information you provide when you register for an account, use our financial management and accounting features, or contact our support. This may include your name, email address, financial transaction data, account balances, and other financial details necessary for the functionality of our applications.
• Usage Data: We automatically collect information when you use our services, such as your IP address, device type, operating system, application version, usage patterns, feature usage, and other diagnostic data. This helps us understand how our users engage with our services and allows us to improve functionality.
• Device Information: We may collect information about the mobile device you use to access our services, including the hardware model, operating system and version, unique device identifiers, and mobile network information.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To provide and maintain our services, including processing financial transactions and managing accounting records.
• To improve, personalize, and expand our services, developing new features and functionalities tailored to your financial needs.
• To understand and analyze how you use our services, helping us diagnose technical issues and optimize performance.
• To communicate with you, respond to your inquiries, and provide customer support.
• To detect, prevent, and address technical issues, fraud, or other malicious activities.
• To comply with legal obligations and enforce our terms and conditions.

3. Data Sharing and Disclosure

We do not sell your personal data to third parties. We may share your information in the following circumstances:

• With Service Providers: We may engage third-party companies and individuals to facilitate our services, provide services on our behalf, or assist us in analyzing how our services are used. These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• For Legal Requirements: We may disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
• Business Transfers: In the event of a merger, acquisition, or asset sale, your personal data may be transferred. We will provide notice before your personal data is transferred and becomes subject to a different Privacy Policy.
• With Your Consent: We may disclose your personal data for any other purpose with your explicit consent.

4. Data Security

We are committed to protecting your data. We implement reasonable and appropriate technical and organizational security measures designed to protect your personal data from accidental loss, unauthorized access, use, alteration, and disclosure. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements. When your personal data is no longer required, we will securely delete or anonymize it.

6. Your Data Protection Rights under GDPR

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. Your rights include:

• The right to access: You have the right to request copies of your personal data.
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing: You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
• The right to withdraw consent: You have the right to withdraw your consent at any time where Credit Consult relies on your consent to process your personal information.

To exercise any of these rights, please contact us using the contact details provided below.

7. Children's Privacy

Our services are not intended for individuals under the age of 16 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 16. If you are a parent or guardian and you are aware that your Children have provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

9. Contact Us

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

• By mail: 3 Vokzalna Square, Kyiv, 01032, UA
• By phone: +380506842758