Privacy Policy
Last Updated: April 1, 2025

This Privacy Policy explains how CredoChain LTD ("we", "our", or "us") collects, uses, discloses, and protects your personal information when you use our website, credochain.net, and any related services we provide, including our crypto-backed loan platform.

By accessing or using our website and services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Personal Information:

• Full name

• Email address

• Phone number

• Government-issued ID (for verification purposes)

• Wallet address(es)

Financial Information:

• Crypto asset details (for collateral)

• Loan application details

• Repayment history

Technical Information:

• IP address

• Browser type

• Device information

• Usage data (pages visited, time on site, etc.)

2. How We Use Your Information

We use your information to:

• Evaluate and process your loan applications

• Verify your identity and ensure compliance with legal obligations (such as AML/KYC regulations)

• Communicate with you regarding your account, transactions, or support requests

• Improve our platform, services, and user experience

• Ensure security, prevent fraud, and enforce our Terms of Use

3. Legal Basis for Processing

We process your personal data based on:

• Your consent

• Our contractual obligations to you

• Legal compliance

• Our legitimate interest in operating and improving our business

4. Data Sharing and Disclosure

We do not sell your personal information to third parties. However, we may share your data with:

• Trusted third-party service providers (e.g., identity verification services, cloud hosting, analytics)

• Government authorities or regulators when legally required

• Legal or financial advisors, if necessary for dispute resolution or audits

All third parties are obligated to handle your data securely and only for specified purposes.

5. Data Retention

We retain your personal information only as long as necessary for the purposes stated above, or as required by law. After that, we securely delete or anonymize your data.

6. Your Rights

You have the right to:

• Access the personal data we hold about you

• Request correction or deletion of your data

• Withdraw your consent at any time

• Object to certain types of processing

• Request a copy of your data in a portable format

To exercise your rights, please contact us at support@credochain.net.

7. Cookies and Tracking

We use cookies and similar tracking technologies to enhance your browsing experience and analyze site traffic. You can manage your cookie preferences through your browser settings.

8. Data Security

We implement strict technical and organizational measures to protect your data from unauthorized access, loss, or misuse. This includes encryption, firewalls, access controls, and regular audits.

9. International Data Transfers

If you are accessing our services from outside the jurisdiction where our servers are located, please note that your data may be transferred to, stored, and processed in a country with different data protection laws.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a new “Last Updated” date. We encourage you to review this policy regularly.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, you may contact us at:

CredoChain LTD
Email: support@credochain.net
Website: https://credochain.net