Privacy Policy

Privacy Policy
Your Privacy means the most to Credrails Inc., its affiliates and subsidiaries (collectively, “Credrails” “we” “us” or “our”) as we are committed to protecting and respecting the privacy of our customers (“you” or “your”). This Privacy Policy explains what we do with the information we collect, use, share, across our website, financial platform (“Platform”), APIs, email notification and tools regardless of how you access them.
Information means any information that can be used to identify a living person, including, names, company name, email address, password, financial information (not limited to account numbers, taxpayer identification), Government issued identification, or any anonymous information that is linked to you (log-in information, location, device, address, etc.)
PLEASE READ THIS POLICY CAREFULLY

The Information You Provide
When you register to use our services, you may provide registration information to create an account, such as age, first and last name, password, email, security questions, or phone number. In such cases, we do not store Customers data. You will be asked to provide your information every time you use our Services.
In some cases, we may collect your data to send your information on your behalf. However, we only do so when you give us the authority to act on your behalf to access and transmit your data from the relevant bank or other entity that holds your financial information.
Other information provided may include:

Information to verify account.
Information when you contact us.
Information you share through surveys, marketing materials.
Why We May Collect
Generally, we collect and process your information for the following reasons:

Without your personal information we are unable to provide our services to you, and we need to fulfill our obligations and responsibilities we have with you in contract or agreement.
We have a legal obligation to ensure that we are fully compliant with all applicable laws.
Because we have your consent to do so.
How We May Use Your Information
Information collected from you may be used for the following:

To provide and maintain our products, website, customer experience, and services.
To create, improve and manage accounts you may have with us, verify your identity, etc.
To develop new products and services.
To communicate with you about new products, offers, services of Credrails, partners, or financial institutions.
To protect against fraud, illegal activities, unauthorized sign in, misuse of our Services, and violation to our policies, or unauthorized access to our services.
To enforce our terms, conditions, and policies.
To provide customer support services, including but not limited to your inquiries related to our services.
To understand how you use our Platform across your devices.
To maintain our legal obligations under applicable law and defense of our legal rights.
For any other purposes for which you will be notified at the time we collect your information or pursuant to your consent.
Why We May Share
While your trust is important to us, we may share your information we collect. We want you to understand the reason(s) behind sharing your information for business purposes.

For Legal Reasons

If we believe it is in good faith to disclose information you share with us, we may share or disclose in response to a court order, legal processes, law enforcement request, subpoenas, legal claims, applicable law, or to protect and defend the rights, interest, safety, and security at Credrails, our Platform, our affiliates, and our customers.

With Your Consent

Your information with third-parties have been authorized by you to receive such information. The use of the information shared to the third-party, is subject to that third-party’s privacy policy. We are not responsible and bear no liability for any breach which may arise from such authorization by you.

Other Reasons

We may share information with a parent, subsidiary, or affiliate.
In the event of a change in ownership and control, such as a sale of all or part of our business – merger, acquisition, or bankruptcy.
We may share information with your connected financial institution to establish the connection you have chosen.
To protect against the rights, property and safety of Credrails, its customers, or the public as permitted by law.
To detect, prevent the commission of fraud, technical issues, or safety.
For any other purposes for which you will be notified or pursuant to your consent.
Security and Storage
Generally, we do not store your information. Each customer will have to provide its information every time to use and enjoy our Platform. However, any information collected, will only be retained for as long as it is necessary to fulfill the purposes for which it is collected and used as described in this Policy.
When you terminate your account, we may still retain your information, but only to the extent necessary to comply with regulatory obligation and by applicable law.

Your Rights
Based on your jurisdiction and applicable laws, you may have certain rights about your information collected, shared, and its use.

The right to request access or copies of information collected about you by contacting us.
The right to be informed.
The right to correct, update, or rectify any information collected, that may be inaccurate, out of date, or incomplete.
The right to object to the processing of your information for marketing purposes, which you can unsubscribe to, or under applicable laws.
The right to request an erasure or deletion of your information where applicable. You can submit a request by contacting us at info@credrails.com. All requests will be based on when it is allowed by applicable law, or when we need to comply with our own legal obligations, or to exercise and defend our legal claims.
The right to opt-out of target advertisements, newsletters, service updates, or sales.
The right to establish, exercise, and defend legal rights.
For any other purposes for which you will be notified or pursuant to your consent.
Cookies
We use cookies and other similar technologies to distinguish between users. This allows us to provide and improve our services. Note that you have the right to disable cookies, but it may limit your ability to use our website.

Age Restriction
Our services are not directed at persons under the age of 18. We do not knowingly or directly collect any Information from minors who fall within this category. If you believe that we have collected information from any person under the age of 18 on our Platform, please contact us at info@credrails.com.

Changes or Updates
Our Privacy Policy may be updated or changed from time to time. When this happens, we will make the changes and updates by posting it on our website and update the effective date at the top of this Policy and provide you with any other notice as required by applicable law. It is our recommendation that you review our Privacy Policy each time you visit our Platform to stay updated.

Contact
Questions, comments, request, or complaints about this Policy should be addressed to info@credrails.com