Legal and Privacy

PRIVACY POLICY

Last update: 1st of June, 2025

Introducion

CREDITS.COM (hereinafter, "CREDITS", "we", "us" or "our") is committed to protecting and respecting the privacy of our Users (hereinafter, “User(s)”, “you”, “customer”).

This Privacy Policy applies to Users served by:
• Software C Sp. z o.o. (Poland)
• Unlimit EU Ltd (Cyprus)
• SECURITY AND EXCHANGE INTERNATIONAL CO INC (Canada)

For more information about these entities, including which entity provides services to you please see our TERMS AND CONDITIONS.

This Privacy Policy constitutes a part of CREDITS Terms and Conditions (hereinafter - T&Cs). The terms used in this Privacy Policy shall have the same meanings as in the T&Cs except as otherwise specified. The terms “we”, “us” and “our” refer to CREDITS.

When we ask for your personal information, it is because:
• we are required by applicable laws or regulations to collect such information
• it is relevant for our specified purposes

PIPEDA Principles

SECURITY AND EXCHANGE INTERNATIONAL CO INC. adheres to the following principles:
• Accountability
• Identifying purposes
• Consent
• Limiting collection
• Limiting use, disclosure and retention
• Accuracy
• Safeguards
• Openness
• Individual access
• Challenging compliance

GDPR Compliance

This Privacy Policy incorporates elements from:
• General Data Protection Regulation (Regulation (EU) 2016/679) (“GDPR”)
• UK GDPR

We:
• use standard contract clauses
• rely on adequacy decisions
• conduct data protection impact assessments
• obtain consent where required

Acceptance

PLEASE READ THIS PRIVACY POLICY CAREFULLY.

By using our Services, you:
• acknowledge that you have read
• understand
• agree to this Privacy Policy and Terms and Conditions

If you do not agree — do not use our Services.

What data do we collect?

CREDITS collects the following dаta:

Personal identification information:
• name
• home address
• passport details
• date of birth
• email address
• phone number
• username
• signature

Regulatory information (AML/CTF & KYC):
• identity documents
• personal photo
• ultimate beneficiaries information
• proof of address
• utility bills or bank statements
• source of funds declaration
• purposes of funds documents
• source of wealth

Service usage information:
• web requests
• IP address
• browser type
• language
• time zone settings
• browser plug-ins
• operating system and hardware
• phone number
• network operator data
• GPS / base station / WLAN

Used for:
• service availability
• fraud prevention
• investigations

Transaction information:
• account numbers
• balances
• transaction history
• activity
• distribution history

Communication information:
• messages
• requests
• attachments
• service-related communications

How do we collect your data?

You provide data when you:
• register, log in, or use services
• complete surveys
• send feedback
• use cookies

We may also receive data from:
• public databases
• credit bureaus
• AML/KYC providers
• third-party services
• blockchain data
• marketing partners
• analytics providers

How wil we use your data?

We use your data to:

Provide services:
• deliver and maintain services
• verify identity

Protect users:
• prevent fraud
• detect abuse

Comply with legal requirements:
• meet obligations
• respond to authorities

Communicate with you:
• customer support
• notifications

Enforce agreements:
• investigate violations
• prevent illegal activity

Marketing and advertising:
• targeting
• analytics

Legal claims:
• establish
• exercise
• defend rights

Transfer of your personal data

We may transfer data when necessary:
• to process or analyze data
• to enforce agreements
• for public interest
• to protect rights
• as required by law

We may share data with:
• partners
• contractors
• payment providers

We:
• use standard contractual clauses
• rely on adequacy decisions
• conduct risk assessments

You may:
• request safeguards
• revoke consent

Contact: info@credits.com

How do we store and protect your data?

We use:
• encryption
• firewalls
• restricted access
• monitoring

However:
• no system is fully secure

Risks include:
• hacker attacks
• technical failures
• force majeure

Public forums are not secure.

Marketing

We may send marketing communications.

You can:
• unsubscribe via email link
• request removal

Your data protection rights

You have the right to:
• access
• rectification
• erasure
• restrict processing
• object to processing
• data portability

Response time: 1 month
Contact: info@credits.com

Cookies and identifiers

We use cookies to:
• recognize users
• improve services
• enhance security

Cookie types:

By duration:
• session cookies
• persistent cookies

By purpose:
• necessary cookies
• preference cookies
• statistical cookies
• marketing cookies

You can manage cookies via browser settings.

Privacy policies of other websites

This Policy applies only to our Services.

Third-party platforms have separate policies.

Changes to our Privacy Policy

We may update this Policy.

Continued use = acceptance.

Contact us

Email: info@credits.com

Complaints

You may contact:
• your national Data Protection Authority (EEA)
• UK Information Commissioner’s Office
• your local authority