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Privacy Policy

Last updated on August 27, 2024

This privacy notice for exactocreditant-eu.com ("we", "us", or "our") explains how and why we collect, store, use, and share ("process") your personal data when you access our services ("Services"), for example, when you:

  • Visit our website exactocreditant-eu.com or any other website linking to this notice
  • Communicate or interact with us regarding sales, marketing, or events

Do you have questions or concerns? This notice is designed to help you clearly understand your privacy rights and the choices available to you. If you do not agree with our policies and practices, please refrain from using our services. For further questions, you can contact us at any time at support@exactocreditant-eu.com. SUMMARY OF KEY POINTS This section provides a brief overview of the most important parts of our privacy notice. For complete details, click on the provided links or use the table of contents below. What personal data do we collect? The type of personal data we process depends on how you interact with our services. You can find more information here: Information you provide to us. Do we process sensitive data? No, we do not process sensitive categories of personal data. Do we receive data from third parties? No, we only process the information you provide directly to us. How do we use your data? We process data to operate and improve the services, ensure security, communicate with you, and comply with legal requirements. Details: Explanation of data usage. When do we share information and with whom? We share data only in limited cases and only with clearly defined categories of third parties. Details: Information sharing. How do we protect your data? We apply technical and organizational security measures to protect your data. However, no system is completely secure. More information: Data security measures. Your rights: Depending on your place of residence, you may have certain rights under applicable data protection laws. Learn more: Your privacy rights. How to exercise your rights: You can submit a request via exactocreditant-eu.com/contact or contact us directly. We will respond as required by law. Please consult the table of contents below for full details.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?

Personal information you provide to us In summary: We collect the information you provide. When you create an account, request details about our products, participate in platform activities, or contact us, you voluntarily provide us with personal data such as:

  • Names
  • Phone numbers
  • Email addresses
  • Passwords
  • Technical data (IP address, browser type, language, access dates/times, crash reports, device identifiers, country)

Sensitive information: We do not process sensitive data. Please ensure that the information you provide about yourself is accurate and up to date. Notify us of any changes. Information we collect automatically In summary: Some data is collected automatically when you navigate or use our services. When you visit our website or platform, certain technical data is collected in the background without you having to provide it. This automatic collection helps us maintain platform security, fix bugs, and improve your overall experience. For example, we may track which device you are using, which pages you view, or how long you stay on the website. Like most websites, we use cookies and similar technologies to save your settings and preferences and understand how our services are used. Here are the main categories of automatically collected data:

  • Log and usage data: Technical logs about how you interact with the website, such as your IP address, visited pages, features clicked, timestamps, and error messages if something goes wrong.
  • Device data: Information about the device you are using, including model, operating system, browser type, and connection details, which help us optimize performance.
  • Location data: Your approximate or, sometimes, precise location, determined through your IP address or device settings. You can usually disable location access in your browser or device, although some features (like regional settings or language preferences) may not function properly otherwise.

2. HOW DO WE PROCESS YOUR INFORMATION?

In summary: We use your data to operate, improve, and secure the services, to communicate with you, and to comply with laws. Depending on how you interact with us, we process information to:

  • Create and manage accounts
  • Provide requested services
  • Support users and respond to inquiries
  • Send administrative messages (product updates, policy changes)
  • Request feedback and inform you about the use of services
  • Send marketing communications (according to your preferences; you can opt out at any time)
  • Offer targeted advertising
  • Maintain platform security and prevent fraud
  • Analyze usage trends to improve services
  • Measure marketing effectiveness
  • Protect vital interests (e.g., to prevent harm)

3. WHAT LEGAL BASES DO WE RELY ON?

In summary: We only act if we have a valid legal basis, such as consent, legal obligation, contract, vital interests, or legitimate interests. If you are in the EU or the UK: Under the GDPR/UK GDPR, we rely on these grounds:

  • Consent: You have given clear permission that can be revoked at any time; see Withdrawal of consent.
  • Contract: Processing necessary to fulfill or enter into a contract with you.
  • Legitimate interests: Processing for reasonable business purposes that do not override your rights (e.g., sending offers, service security).
  • Legal obligation: Compliance with laws or governmental requests.
  • Vital interests: Protecting the life or safety of individuals.

If you live in Canada: we rely on express or implied consent or another exception permitted by law.

4. WHEN AND WITH WHOM DO WE SHARE INFORMATION?

In summary: Only with trusted partners and only when necessary. Service providers and contractors (hosting, analytics, support, authentication).

  • Affiliate marketing networks
  • Account registration and authentication platforms
  • Analytics providers

Other possible sharing: Business transfers, Google Analytics, affiliated companies, or partner advertising.

5. THIRD-PARTY WEBSITES

External website links or advertisements may appear on our services. We are not responsible for their content or privacy practices.

6. COOKIES AND TRACKING TECHNOLOGIES

Like most websites, we use cookies and similar tools to recognize you, save your preferences, secure your sessions, and analyze traffic. You can control or disable cookies in your browser settings. Note that some website features may not function properly without cookies.

7. HOW LONG DO WE KEEP YOUR DATA?

We store your personal data only for as long as necessary to provide the services, comply with legal obligations, or resolve disputes. After that, the data is deleted or anonymized.

8. DATA SECURITY

We use industry-standard security measures, but no online system is 100% secure. Access is at your own risk.

9. DO WE COLLECT INFORMATION FROM MINORS?

In summary: No. We do not knowingly collect data from individuals under the age of 18. If you suspect that children's data has been transmitted, please contact us so we can delete it.

10. YOUR PRIVACY RIGHTS

In summary: Depending on where you live (e.g., in the EEA, the UK, Switzerland, or Canada), the law grants you certain rights to maintain control over your personal data. You can log into your account at any time to review, change, or delete your data. Your privacy rights include the ability to:

  • Request a copy of your personal data so you can see exactly what information we hold about you.
  • Ask us to correct inaccurate data or delete data you no longer want us to keep.
  • You can restrict or object to the use of your data, for example, stopping marketing emails or restricting certain processing.
  • Receive your information in a portable file format (so you can reuse it in another service if necessary).
  • Prevent decisions made exclusively by automated systems (like AI-based profiling) without human involvement.

If you wish to exercise any of these rights, simply contact us using the details listed in the "HOW TO CONTACT US" section. We are committed to responding within legal timeframes. If you live in the EEA or the UK, you also have the right to lodge a complaint with your local data protection authority if you believe your data has not been handled correctly. Residents of Switzerland may address their concerns to the Federal Data Protection and Information Commissioner. Withdrawal of consent: If we rely on your consent, you can revoke it at any time by contacting us. This does not affect processing carried out prior to your revocation. Marketing opt-out: You can unsubscribe from promotional emails by clicking the "Unsubscribe" link, replying to an SMS with "STOP/UNSUBSCRIBE", or contacting us. We may still send you non-promotional messages, such as service notifications. Account Information You can review or update your account details by:

If you ask us to delete your account, we will deactivate it and remove personal data from active systems. Certain information may be retained to prevent fraud, resolve disputes, or comply with legal obligations. Cookies and similar technologies: Most browsers accept cookies by default. You can configure your browser to block or delete cookies, but some website features may not function properly. To opt out of interest-based advertising, visit aboutads.info/choices. If you have questions about your privacy rights, send an email to support@exactocreditant-eu.com

11. DO-NOT-TRACK

Most browsers offer a "Do-Not-Track" (DNT) signal, but there is still no uniform standard. Therefore, we currently do not respond to DNT signals. If a standard is adopted in the future, we will update this notice accordingly.

12. DO UNITED STATES RESIDENTS HAVE SPECIAL PRIVACY RIGHTS?

In summary: Yes. If you live in California, Colorado, Connecticut, Utah, or Virginia, state law grants you additional control over your personal data. Categories of personal data collected (last 12 months) CategoryWhat it meansCollected A. IdentifiersBasic contact information such as your name, email address, phone number, IP address, or account login.YES B. Customer records dataAdditional details such as your profession, financial data, or educational background.NO C. Protected class dataDemographic information such as your gender or date of birth.YES D. Commercial dataThings you buy or payment behavior.NO E. Biometric dataUnique identifiers such as fingerprints or voiceprints.NO F. Internet activitiesBrowsing or search history and how you interact with advertising.NO G. GeolocationYour device's approximate location (e.g., based on IP address).YES H. Audio/visual mediaRecordings, for example, from phone calls or video sessions.NO I. Employment dataWork-related information such as your job title or work history.NO J. Educational dataRecords of your studies or academic background.NO K. InferencesProfiles we might create based on your data, such as your likely preferences or interests.YES L. Sensitive dataSpecial categories such as health data or biometric data.NO We store each category only for as long as you maintain an account or as required by law. How we use and share personal information See "HOW DO WE PROCESS YOUR INFORMATION?" for general uses. We may also share data with:

  • Targeting/marketing cookie providers
  • Beacons, pixels, and tags
  • Affiliate link partners

We share data under contract with trusted service providers. We do not consider internal R&D use as "selling" data. Categories sold or shared in the last 12 months

  • Identifiers (A)
  • Protected class data (C)
  • Geolocation data (G)

Sold/shared with: Advertising networks, affiliate marketing programs, analytics services, and account authentication providers. California Residents Under the "Shine the Light" law, you can request a list of third parties who received your personal data for direct marketing purposes in the last year. If you are under 18 and have an account, you can also ask us to remove content you have posted publicly. CCPA Rights

  • Delete: Request the deletion of your data (with legal exceptions).
  • Know: Request disclosure of data collected, used, sold, or shared.
  • Non-discrimination: You will not be penalized for exercising your rights.
  • Restriction of sensitive data: We do not process sensitive data.

How we verify requests We will ask for sufficient information to confirm your identity. Additional information will only be used to verify the request and will be deleted once verification is complete. To exercise the privacy rights of a US state, send an email to support@exactocreditant-eu.com or use the details in "HOW TO CONTACT US".

13. DO WE UPDATE THIS NOTICE?

Yes, we review it whenever necessary to comply with legal requirements. The "Revised" date appears at the top of the policy and the new version takes effect as soon as it is published. For significant changes, we may also place a banner on the website or send you a direct notification. Please read this notice regularly.

14. HOW TO CONTACT US

Questions or comments? Email: support@exactocreditant-eu.com

15. HOW TO REVIEW, UPDATE, OR DELETE YOUR DATA

You can request access to your personal data, its correction or deletion at any time by visiting the following website exactocreditant-eu.com/contact. We will process your request in accordance with applicable data protection laws.