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Privacy Policy

A privacy policy is a legal document or statement that outlines how an organization or website collects, uses, discloses, and protects the personal information of individuals who interact with it. These policies are crucial for establishing trust, ensuring transparency, and complying with data protection laws and regulations. This Privacy Policy describes the information we collect from you, how we use your personal information, what information we may share, and how we protect your information. 

Data collection 

A privacy policy covers several key points – data collection, data sharing, etc. The data collection explains what types of personal information are collected from users.  When utilizing our website or mobile application, you may provide specific personal information, such as names, email addresses, or browsing history, and how this data is obtained, whether through forms, cookies, or other means. 

When you visit the Site, use the Services, or open an email from Creditsms.com, we may automatically receive some information from your computer, web browser or mobile device: 

  • IP address or other device address or ID. 

  • Web browser and device type. 

  • Geolocation data. 

  • Hardware and software settings and configurations. 

  • Web pages or sites that you visit just before or just after visiting Creditsms.com. 

  • Dates and times that you visit or use Creditsms.com. 

Purpose of data use 

Privacy policies detail the purposes for which collected data will be used. This could include providing services, improving user experiences, or sending marketing communications. We automatically collect pertinent technical information about your device and internet connection, such as your IP address, browser type, operating system, and other technical data using cookies. The information we collect is used for financial products and services, to offer customer support, and to fulfilusing  our obligations to you. 

Data sharing 

The policy should specify whether user data will be shared with third parties and under what circumstances, such as with service providers, advertisers, or partners. We do not share, sell, or transfer your information to third parties without your consent: 

  • We may share certain information about you to ensure the seamless provision of services and continuous website or application improvement. 

  • We may disclose your information if legally obligated to do so by law, court order, or if we believe it is necessary to safeguard our rights and interests. 

User rights 

It outlines the rights of users regarding their personal data, including the right to access, correct, or delete their information and opt-out of certain data uses. You possess certain rights regarding your personal information. You can request access to, rectification, deletion, or restriction of the processing of your data. Additionally, you can withdraw your consent to data processing or express objection to specific types of processing. 

Data security 

Privacy policies typically describe the security measures in place to protect user data from unauthorized access or breaches. We implement comprehensive measures to protect your information against unauthorized access, use, modification, or disclosure. Security measures are employed to maintain a high level of privacy and data protection on the creditsms.com website and mobile application. Our team continually monitors and updates our systems to mitigate the risk of unauthorized access, use, or disclosure of your information.   

If you have applied for a loan through Creditsms.com and wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, using our contact form. You can contact us to request any corrections to your personal information. You may also email us if you wish to deregister. 

Unsubscribing  

If you do not wish to receive email offers from us, you can opt out of receiving emails from us. Although your changes are reflected promptly in active user databases, we may retain all information you submit for a variety of purposes, including backups and archiving, prevention of fraud and abuse, and analytics. 

Children 

Children under the age of 18 are not permitted to use the Services, and we do not seek or knowingly collect any personal information about children under 18 years of age. If you are the parent or guardian of a child under 18 years of age who has provided us with their personal information, please contact us.