Credio (the Company, we, or us) is providing this privacy policy (the Privacy Policy) to describe how we collect, use, and disclose personal information obtained through (1) our website at www.credio.xyz and any other websites operated by us that link to this Privacy Policy (collectively, the Website), and (2) our proprietary AI automation software tools (our Software) (together with the Website, the Services).
Information We Collect
We collect various types of information through our Services, including personal information, usage and device data as described below.
Personal Information:
"Personal information" is information that identifies you as an individual or relates to an identifiable individual. When you use our Services, we may collect personal information such as:
- Your name;
- Your contact details, such as your email address, mailing address, and/or telephone number;
- Your username and log-in credentials, if you create an account with us; and
- Records of communications with you, such as receiving and responding to your online questions or feedback.
We also may receive information from other sources, such as publicly available databases and third-party service providers.
Job Applicants
When you apply for a job with us, we collect your contact information (e.g., name, phone number, email address, address, city, or country), professional or employment information (e.g., previous work experience, names of current and previous employers), and other information you choose to provide during your application or interview process. Information may be collected about you in multiple ways: you may provide it to us in connection with your application; we may make observations in the application process or collect information from public information sources; or you may authorize us to collect information from other sources, such as a former employer, reference or a credit reporting agency. In certain circumstances, you may submit your application for employment through a third-party service that displays our job posting. We do not control the privacy practices of these third-party services. Please review their privacy policies carefully prior to submitting your application materials.
Usage and Device Data
As you use our Services, we may automatically collect certain information about the device you are using, such as your device's IP address, browser type, operating system, and the name of your internet service provider. We also may collect information about your use of the Services, such as the website from which you navigated to our Services, date and time you use our Services, the pages you view, clickstream data, usage data, and any resources you access, download, and use in connection with our Services. This information helps us measure traffic to our Services, analyze usage patterns, improve our Services, and deliver a more personalized experience of our Services. The technologies we use for this automatic data collection may include:
Pixel tags: Portions of the Website and our emails may contain small electronic files known as pixel tags (also referred to as web beacons clear gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
Analytics: Our Services may use third-party analytics tools such as Google Analytics and others, which use cookies and similar technologies to collect and analyze information about use of our Services and report on activities and trends. These analytics tools may also collect information regarding the use of other websites, apps and online resources.
When this information constitutes personal information, or if we combine it with personal information, we may use and disclose it for the purposes for which we use and disclose personal information as detailed in this Privacy Policy. When this information does not constitute personal information, we may use and disclose it for any purpose, except where we are required to do so under applicable law.
Cookies and Tracking Technologies
Our Services may use cookies and similar technologies to enhance user experience, analyze website traffic, and deliver personalized content. This section outlines the types of cookies we use, their purposes, and your choices regarding their use.
Types of Cookies We Use:
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Essential Cookies: These cookies are necessary for the operation of our Services. They enable core functionality such as security, network management, and accessibility. You can set your browser to block these cookies, but this may affect how the Services function.
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Analytics and Performance Cookies: We use these cookies to collect information about how you use our Services, which helps us improve their performance. For example, they allow us to recognize and count the number of visitors and see how visitors move around our website when they are using it.
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Functional Cookies: These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages.
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Advertising Cookies: These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring ads are properly displayed, and in some cases selecting advertisements that are based on your interests.
Consent and Control:
Obtaining Consent: We use a cookie consent banner to obtain your explicit consent before placing any non-essential cookies on your device. By clicking "Accept" on this banner, you consent to our use of cookies as described in this policy. You can manage your cookie preferences through this banner at any time.
Withdrawing Consent: You have the right to withdraw your consent at any time. You can do this by adjusting your browser settings to refuse cookies.
Third-Party Cookies: Some cookies may be set by third-party services that appear on our pages. These third parties may use their own cookies to collect information about your activities on our website and other websites. We do not control these third-party cookies, and we recommend that you check the third parties' privacy policies for more information about their cookies and how to manage them.
For the purposes of the California Consumer Privacy Act ("CCPA"), in the past twelve (12) months, we have collected the following categories of Personal Information: Identifiers; Commercial Information; Internet or other Electronic Network Activity Information; and Geolocation Information. We do not use or disclose sensitive personal information as defined in the CCPA.
How We Use Personal Information
We use personal information we collect about you for a number of business purposes, such as:
- Providing our Services to you, such as to maintain and operate our Services, track service and quality issues, communicate with you, and authenticate users of our Services;
- Fulfilling your requests, such as when you submit a request or inquiry to us through our Website;
- Sending you administrative information, such as updates to our terms or policies;
- Sending you emails or other promotional materials about our products and services, and other products or services that may be of interest to you, consistent with your choices;
- Providing you with a personalized experience, such as to understand your interests and preferences in order to personalize our interactions with you, or to provide you with content and offers tailored to your interests;
- For our own internal business purposes, such as maintaining and improving our Services, developing new products and services, analyzing usage trends, assessing the effectiveness of our promotional campaigns, and operating and expanding our business activities;
- For legal, safety, or security reasons, such as to comply with legal requirements, prevent and detect fraud or misuse of our Services, or to protect the safety, property, or rights of the Company, customers, or others;
- For jobs, to manage your job application; and
- For marketing, such as to send you marketing-related emails, consistent with your choices.
We also may generate de-identified or aggregated data, which we may use and disclose for any purpose. We collect and retain only the personal information necessary for the purposes described in this Privacy Policy.
How We Disclose Personal Information
We may disclose the information we collect about you:
- To our subsidiaries and affiliated legal entities, as applicable, for the purposes described in this Privacy Policy;
- To vendors, contractors, or service providers, to facilitate the services they provide to us. These can include providers of services such as website hosting, data analysis, order fulfillment, fraud prevention, information technology, customer service, marketing delivery, and other services;
- To government authorities, law enforcement, or other third parties for legal, security, or safety purposes, such as to comply with legal requirements; to enforce or apply our terms of service and other agreements; and to protect our rights and the property or safety of our users or third parties;
- With your consent, where applicable; and
- To a third party in connection with a sale of business or assets, in the event of any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings).
Your Rights Under the GDPR
If you are a resident of the European Economic Area (EEA), you have certain rights and protections under the General Data Protection Regulation (GDPR) regarding the processing of your personal data. We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your personal information.
Under the GDPR, you have the following rights:
- Right to Access: You can request copies of your personal data.
- Right to Rectification: You can request corrections of any inaccurate data or complete any incomplete data.
- Right to Erasure: You can request deletion of your personal data in certain circumstances.
- Right to Restrict Processing: You can request restriction of processing your personal data.
- Right to Data Portability: You can request transfer of your data to another controller.
- Right to Object: You can object to processing of your personal data.
- Rights Related to Automated Decision Making: You can request human intervention in automated decisions.
- Right to Withdraw Consent: You can withdraw previously given consent for data processing.
To exercise any of these rights, please contact our Data Protection Officer at support@credio.xyz. We will respond to your request within 30 days. We may need to verify your identity before responding to your request.
Your Privacy Choices
If you would like to update the personal information you have provided to us, please send us your request using the contact details in the Contact Information below.
If you would like to opt out of receiving marketing emails from us, you may opt out at any time by using the unsubscribe mechanism included in each of our marketing emails. Opting out of marketing emails will not affect our ability to send you administrative or transactional messages.
You may have the right to access, correct, delete, or port your personal data. To exercise these rights, please contact us at privacy@credio.xyz.
Retention
We retain personal information for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law.
Security
We have implemented measures designed to protect personal information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately using the contact details in the Contact Information section below.
Third Party Advertising
This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any website or service to which our Services link. The inclusion of a link on our Services does not imply endorsement of the linked site or service by us or by our affiliates.
In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Facebook, Apple, Google, Microsoft, RIM, or any other app developer, app provider, social media platform provider, operating system provider, or wireless service provider.
Minors
Our Services are not directed to individuals under the age of thirteen (13) and we do not knowingly collect personal information from individuals under that age. If we learn we have such data, we will delete it promptly.
Jurisdictional Issues
Your personal information may be stored and processed in any country where we have facilities or in which we engage service providers, including the United States, which may have data protection rules that differ from those of your country.
Changes to This Privacy Policy
This Privacy Policy is effective as of the date it was last updated, which is identified at the top of this page. From time to time, we may make changes to this Privacy Policy. When we do so, we will post those changes to our web page. We encourage you periodically to check our web page to learn about the information we collect, use, and share.
Contact Information
If you have questions about this Privacy Policy, please contact us at privacy@credio.xyz