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