1. Introduction
Welcome to Credit Online - Groshi Tut ("we," "our," or "the App"). This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application.
Important: Credit Online - Groshi Tut is a loan aggregator and marketing platform operated by TZOV "FK "KREDYT-KAPITAL TOV. We are NOT a bank, credit institution, or direct lender. We connect users with third-party financial service providers and earn marketing commissions from partner lenders.
2. Information We Collect
We collect the following types of information to provide and improve our services:
2.1. Usage Data
We automatically collect usage data when you interact with our App:
- Product Interaction: Information about how you use the App, including features accessed, loan offers viewed, buttons clicked, time spent on different screens, and search queries. This data is used for analytics purposes to improve user experience.
- Advertising Data: Information about your interaction with advertisements displayed in the App, ad impressions, clicks, and conversions. This data is used for analytics and third-party advertising purposes, and may be used to track you across apps and websites owned by other companies.
2.2. Data Not Linked to You
The usage data we collect is not linked to your personal identity. We do not collect or store personally identifiable information such as your name, email address, phone number, or financial information directly within the App.
3. How We Use Your Information
We use the collected information for the following purposes:
- Service Provision: To display relevant loan offers from our partner lenders based on your search criteria;
- Analytics: To analyze app usage patterns, improve app performance, and enhance user experience;
- Advertising: To display personalized advertisements and measure advertising effectiveness;
- Marketing Attribution: To track which marketing channels bring users to our App and measure campaign performance;
- Partner Referrals: When you choose to apply for a loan through our App, you will be redirected to the partner lender's website or application, where their own privacy policies and terms apply.
4. Data Sharing
We may share usage data with the following third parties:
- Partner Lenders: When you express interest in a loan offer, we share anonymized interaction data with the respective lender;
- Analytics Providers: We use third-party analytics services to understand app usage and improve our services;
- Advertising Networks: We work with advertising partners to display relevant ads and measure their effectiveness;
- Service Providers: We may share data with providers who assist us in operating the App and conducting our business.
Important Disclaimer: We are not responsible for the privacy practices of partner lenders or third-party websites you visit after leaving our App. Please review their privacy policies independently.
5. Data Retention
We retain usage data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, and resolve disputes. Typically, analytics data is retained for up to 24 months.
6. Data Security
We implement industry-standard security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
7. Your Rights
Depending on your location, you may have the following rights:
- Request information about what data we collect;
- Request deletion of your usage data;
- Opt-out of personalized advertising (via your device settings);
- Withdraw consent for data processing.
To exercise these rights, please contact us using the information in the "Contact Us" section below.
8. Third-Party Services
Our App may contain links to third-party websites, services, and lenders. We are not responsible for the privacy practices or content of these third parties. We encourage you to read the privacy policies of any third-party services before providing them with your personal information.
9. Children's Privacy
Our App is not intended for users under the age of 18. We do not knowingly collect data from children under 18. If you believe we have inadvertently collected such data, please contact us immediately.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date and posting the new policy in the App. Your continued use of the App after changes indicates your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
TZOV "FK "KREDYT-KAPITAL TOV
Email: [email protected]