Credify Tech Inc. Privacy Policy

Credify Inc., trading as “Credify”, respects your privacy and is committed to protecting your personal data. This Privacy Notice explains how we handle your personal data when you visit our website (regardless of your location) and outlines your privacy rights and the protection provided by law. Please refer to the Glossary to understand the meanings of certain terms used in this Privacy Notice.

Important Information and Who We Are

1.1 Purpose of this Privacy Notice (a) This Privacy Notice provides information on how we collect and process your personal data through your use of our website, including any data you provide during our Online Application Process, by signing up for our newsletter or other marketing materials, submitting a query, or using other online services. (b) Our website is intended for businesses and not for individual consumers. (c) It is important that you read this Privacy Notice alongside any other Privacy Notices or fair processing notices we may provide on specific occasions when we collect or process personal data about you. This Privacy Notice supplements, and does not override, those other notices.

1.2 Controller (a) This Privacy Notice is issued on behalf of Credify Inc., trading as “Credify”, with its registered office at _ 16 makram ebeid , salah salem , Cairo Egypt _. Our company registration number is _ 706-494-392 _. Credify Inc., trading as “Credify”, is the data controller for the purposes of this Privacy Notice and is responsible for this website. (b) If you have any questions about this Privacy Notice or wish to exercise your legal rights, please contact us at _ support@credify.live

2 Important Information and Who We Are

2.1 Purpose of this Privacy Notice (a) Personal data, or personal information, refers to any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

(b) We may collect, use, store, and transfer different types of personal data about you, which we have grouped as follows:

(i) Identity Data includes first name, last name, username or similar identifier, title, and date of birth.

(ii) Contact Data includes billing address, email address, and telephone numbers.

(iii) Access Data includes details for third-party services (including, but not limited to, Adwords, Facebook, Google Analytics, Shopify, Stripe, and other accounts as required from time to time) provided by you to us as part of the Online Application Process.

(iv) Transaction Data includes details about payments to and from you and other details of services you have purchased from us.

(v) Technical Data includes internet protocol (IP) address, login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.

(vi) Usage Data includes information about how you use our website.

(vii) Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties, and your communication preferences.

(c) We also collect, use, and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data, which will be used in accordance with this Privacy Notice.

(d) We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data).

(e) As part of our legal obligations under anti-money laundering legislation, we may require information regarding any criminal records, sanctions, or embargoes.

2.2 If You Fail to Provide Personal Data

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, insufficient Registration Information). In such cases, we may need to cancel an Online Application Process, but we will notify you if that happens.

3 How is Your Personal Data Collected?

We use different methods to collect data from and about you, including through:

3.1 Direct Interactions

You may provide us with your Identity, Contact, and Financial Data by filling in forms or by corresponding with us by post, phone, email, or otherwise. This includes personal data you provide when you: (a) create an account on our website; (b) engage in the Online Application Process; (c) subscribe to our publications; (d) request marketing material to be sent to you; (e) enter a promotion or survey; (f) apply for a job in our "Careers" section; (g) provide feedback; or (h) submit a query through the Contact Us form.

3.2 Automated Technologies or Interactions

We use automated technologies or interactions to collect data about your equipment, browsing actions, and patterns. This includes using cookies and other similar technologies to collect data about your interactions with our website.

1.1 Third Parties or Publicly Available Sources

We may receive Contact, Financial, and Transaction Data from providers of technical, payment, and delivery services

2 How We Use Your Personal Data

2.1 Lawful Basis

(a) We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances: (i) We need to perform the contract we are about to enter into or have entered into with you; (ii) It is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests; (iii) Where we need to comply with a legal or regulatory obligation.

(b) Generally, we do not rely on consent as a legal basis for processing your personal data, other than for sending marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us at _ support@credify.live _.

2.2 Purposes for Which We Will Use Your Personal Data

(a) Below is a description of all the ways we plan to use your personal data and the legal bases we rely on to do so. We have also identified our legitimate interests where appropriate.

(b) Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us at _ support@credify.live _ if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

Purpose/Activity	Type of Data	Lawful Basis for Processing (Including Legitimate Interest Grounds)
To create your account and register you as a new client	"a. Identity Information b. Contact Details c. Profile Data d. Marketing Preferences"	Necessary for the performance of a contract with you
"To facilitate the Online Application Process (OAP): (a) Collecting Registration Data (b) Communication with you during the process"	"a. Identity Information b. Contact Details c. Financial Data d. Access Credentials e. Transaction History f. Profile Data"	Necessary for the performance of a contract with you
"To finalize and manage the MCA Agreement after the OAP is completed: (a) Collecting any additional required registration data (b) Continued communication with you"	"a. Identity Information b. Contact Details c. Financial Data d. Access Credentials e. Transaction History f. Profile Data g. Technical Information"	Necessary for the performance of a contract with you
"To manage our ongoing relationship with you, which may include: (a) Informing you of updates to our terms or Privacy Notice (b) Requesting feedback through surveys"	"a. Identity Information b. Contact Details c. Profile Data d. Marketing Preferences"	"a. Necessary for the performance of a contract with you b. Necessary for compliance with legal obligations c. Necessary for our legitimate interests (to maintain updated records and analyze how customers use our services to improve offerings)"
To administer and safeguard our business and website (including troubleshooting, data analysis, testing, maintenance, support, reporting, and data hosting)	"a. Identity Information b. Contact Details c. Access Credentials d. Technical Information e. Profile Data f. Usage Data"	"a. Necessary for compliance with legal obligations b. Necessary for our legitimate interests (to manage and operate our business, including IT services, network security, fraud prevention, and during business restructuring)"

1.1 Third Parties or Publicly Available Sources

We strive to provide you with choices regarding certain uses of your personal data, particularly concerning marketing and advertising. We have established the following personal data control mechanisms, as detailed in paragraphs 4.4 – 4.7.

1.2 Marketing Communications from Us

(a) We may use your Identity, Contact, Technical, Profile, and Usage Data to form a view of what we think you may want or need, or what may be of interest to you. This helps us decide which products, services, and offers may be relevant for you (referred to as marketing).

(b) We may use your Identity, Contact, Technical, Profile, and Usage Data to form a view of what we think you may want or need, or what may be of interest to you. This helps us decide which products, services, and offers may be relevant for you (referred to as marketing).

1.3 Opting Out

(a) You can ask us or previously authorized third parties to stop sending you marketing messages at any time by contacting us at _ support@credify.live _.

(b) If you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a purchase of a service.

1.4 Cookies

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our website may become inaccessible or not function properly. For more information about the cookies we use, please see our Cookies Policy.

1.5 Change of Purpose

(a) We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason that is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us at _ support@credify.live _.

(b) If we need to use your personal data for an unrelated purpose, we will notify you and explain the legal basis that allows us to do so.

(c) Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

2 Disclosures of Your Personal Data

2.1 We may have to share your personal data with:

(a) The parties set out below for the purposes described in the table in paragraph 4 above: (i) Internal Third Parties as defined in the Glossary; (ii) External Third Parties as defined in the Glossary;

(b) Third parties in the course of an acquisition, merger, equity investment, or similar corporate transaction; and

(c) Third parties to whom we sell, transfer, or merge parts of our business or our assets; alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, the new owners or newly acquired businesses may use your personal data in the same way as set out in this Privacy Notice.

2.2 We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

3 International Transfers – EEA Customers

3.1 Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection by implementing at least one of the following safeguards: (a) For certain service providers, we may use specific contracts approved by the European Commission that provide personal data the same protection it has in the European Union (known as the Standard Contractual Clauses); (b) For certain service providers based in the US, we may transfer data to them under the Privacy Shield regime (if they are part of it), which requires them to provide similar protection to personal data shared between the European Union and the US.

3.2 Please contact us at _ support@credify.live _ if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.

4 Data Security

4.1 We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. Additionally, we limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know. They will only process your personal data on our instructions and are subject to a duty of confidentiality.

4.2 We have established procedures to address any suspected personal data breaches and will notify you and any applicable supervisory authority or other regulator of a breach where we are legally required to do so.

5 Data Retention

5.1 We will only retain your personal data for as long as necessary to fulfill the purposes for which we collected it, including satisfying any legal, accounting, or reporting requirements.

5.2 To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

5.3 By law, we are required to keep basic information about our customers (including Contact, Identity, Financial, and Transaction Data) for six years after they cease being customers for tax and other legal purposes.

5.4 In certain circumstances, you can request that we delete your data. For more information, please see below.

5.5 In some cases, we may anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes. In such instances, we may use this information indefinitely without further notice to you.