Last Updated on May 21, 2018
(i) when you visit or use:
Credexo’s website at credexo.com “Website”);
any of our computer or mobile software applications (“Apps”);
our social media pages; and
any of the services accessible through the Website (the Services); and
(ii) through offline sales and marketing activities.
By visiting the Website, downloading an App, accessing one of our social media pages and/or using the Services, you are accepting the practices described in this policy.
If you live in the US or outside of the European Union (“EU”), the data controller (the company that is responsible for the information relating to you) is Credexo, Inc., 1301 Fannin St #2440, Houston, TX 77002 If you live in the EU, the data controller is Credexo with the same above contact address.
What personal information do we collect?
The type of information we collect from you will depend upon the type of interaction you have with us.
Broadly speaking, the types of personal information that we collect may include:
You are under no obligation to provide any such data. However, if you choose to withhold requested information, you may not be able to access all the contents and services available on the Website.
Credexo may also collect personal information relating to you from third parties. This may include (but is not limited to) the collection of personal information relating to you from:
How do we use personal information relating to you?
We use personal information relating to you that we collect, or that you provide to us, for the purposes of our legitimate interests as follows:
We may combine this data with personal information you give to us and personal information we collect that relates to you. We may use this personal information and the combined data for the purposes set out above (depending on the type of data we receive).
You have the right to object to this processing if you wish, and if you wish to do so, please send an email to or write to us using the contact details set out at the end of this policy. Please bear in mind that if you object, this may affect our ability to carry out the tasks above for your benefit.
Do we share your personal information with any third parties?
We may disclose personal information relating to you to third parties in certain circumstances including (but not limited to) the following:
We may also disclose personal information to third parties:
Before Credexo discloses any personal information to a third party, we take steps to ensure that the third party will protect personal information in accordance with applicable privacy laws and in a manner consistent with this policy. Third parties are required to restrict their use of this information to the purpose for which the information was provided.
How do we protect your personal information?
Unfortunately, the transmission of information via the Internet is not completely secure. Although we will do our best to protect personal information relating to you, we cannot guarantee the security of such data transmitted to the Website; any transmission is at your own risk. Once we have received personal information relating to you, we use strict procedures and security features to try to prevent unauthorized access.
All information you provide to Credexo is stored on secure servers. Any payment transactions carried out by us or our chosen third-party provider of payment processing services will be encrypted industry-standard encryption technologies when transferring or receiving personal information, such as SSL technology. The safety and security of your information and any personal information relating to you also depends on you. Where we have given you (or where you have chosen) a password that enables you to access certain parts of the Website and/or the Services, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Credexo takes steps to destroy or de-identify personal information when the information is no longer required for any purpose for which it may be used or disclosed by us and we are no longer required by law to retain the information.
Where do we store personal information?
If you live in the EU, the personal information relating to you that we collect may be transferred to, and stored at, locations outside the European Economic Area (“EEA“). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. These staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services.
Countries where personal information relating to you may be stored and/or processed, or where recipients of personal information relating to you may be located, may have data protection laws which differ to the data protection laws in your country of residence. By submitting your personal information, you accept that personal information relating to you may be transferred, stored or processed in this way. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this policy.
Although this Website only looks to include quality, safe and relevant external links users should always adopt a policy of caution before clicking any external web links mentioned throughout this Website.
This Website may, from time to time, contain links to and from the websites of our partners and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
Social Media Platforms
Communication, engagement and actions taken through external social media platforms that we participate on are subject to the terms and conditions as well as the privacy policies of those social media platforms.
This Website may use social sharing buttons which help share web content directly from our web pages to the social media platform in question. Where you use such social sharing buttons you do so at your own discretion – you should note that the social media platform may track and save your request to share a web page respectively through your social media platform account. Please note these social media platforms have their own privacy policies, and we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these social media platforms.
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We use Google AdSense Advertising on our website.
We have implemented the following:
We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.
Additional provisions for US residents
California Online Privacy Protection Act (CalOPPA)
According to CalOPPA, we agree to the following:
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
Additional provisions for EU residents
If you reside in the EU, you have the right to access personal information held relating to you. To protect your privacy, we may take steps to verify your identity before taking any action in response to any request. You will not have to pay a fee to access personal information relating to you (or to exercise any of the other rights). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
We also want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove any information you think is inaccurate.
Requests in this section should be sent by email or by writing to us using the contact details set out at the end of this policy.
We will only send you marketing material if you consent. We will only send personal information relating to you to a third party for marketing purposes if you consent. When you have consented to marketing material, you have the right at any time to ask us not to process personal information relating to you for marketing purposes. You can exercise your right to prevent such processing by checking certain boxes on the marketing emails we send to you. You can also exercise the right at any time by sending an email or by writing to us using the contact details set out at the end of this policy.
If you have a concern about the way we are collecting or using your personal information, we request that you raise your concern with us in the first instance. Alternatively, you can contact the Information Commissioner’s Office at https://ico.org.uk/concerns/.
Changes to this policy
If you live in the US or outside of the EU:
1301 Fannin St #2440, Houston, TX 77002