1. Privacy Policy
Credwize Technology Inc. (“Credwize,” “we,” “us,” or “our”) provides an AI-driven financial coaching service (“Noorah”) via chat (e.g., WhatsApp or web).
This Privacy Policy describes how we collect, use, share, store, and protect your personal data. It applies to all users of our services, including our website and messaging channels. It does not cover links to third-party websites or services that we do not control.
Credwize understands that your privacy is important and that you care about how your personal information is collected, used, and shared. We respect and value the privacy of everyone who uses our services. We will only collect and use information in ways that are relevant to delivering our services, improving your experience, and fulfilling our obligations under applicable laws.
If you have any questions about this Privacy Policy, our practices, or your interactions with Credwize, you may contact us at support@credwize.com.
2. Definitions
- Personal Data / Personal Information: Any information relating to an identified or identifiable individual.
- Account: An account required to access and/or use certain features of our website or services.
- Processing: Any operation performed on Personal Data (collection, storage, use, disclosure, deletion).
- Controller: Credwize determines how and why your Personal Data is processed.
- Service Providers / Processors: Third parties that process data on our behalf under confidentiality agreements.
3. Information We Collect
- Personal Information: Name, phone number (including WhatsApp contact), country.
- Financial Context: Information you voluntarily share about your financial goals, income, savings, or repayment preferences.
- Usage Data: How you interact with Noorah (e.g., chat logs, interaction patterns, preferences).
- Technical Information: Device type, IP address (if using web), and interaction logs for support.
- Cookies & Trackers: Session identifiers, analytics, and usage details.
4. How We Use Personal Data (Legal Basis)
We will only process your Personal Information where we have a legal basis to do so. These include:
- Performance of Service: Delivering financial coaching, reminders, and repayment or savings plans.
- Legitimate Interest: Improving Noorah’s intelligence and service quality, balanced with your privacy rights.
- Consent or Contractual Necessity: Communicating updates or responding to inquiries.
- Legal Obligation or Legitimate Interest: Compliance, fraud prevention, and recordkeeping.
With your permission (and where permitted by law), we may also use your Personal Information for marketing purposes, such as contacting you by email, phone, text, post, or push notifications. We will not send spam and will comply with applicable laws.
7. International Data Transfers
Your data may be stored or processed in jurisdictions outside your home country, including the United States. Where such transfers occur, we ensure adequate safeguards (such as standard contractual clauses) are in place to protect your data.
8. Data Retention
We retain Personal Data only as long as necessary for the purposes described in this policy or as required by law. We review retention periods regularly and securely delete or anonymize data when no longer needed.
9. Security Measures
We use appropriate technical and organizational measures (e.g., encryption, access controls) to protect the Personal Information we collect and process.
Please note that while we take reasonable precautions, no method of transmitting or storing data online is completely secure. We encourage you to take suitable precautions when transmitting information over the internet.
10. Your Rights
Depending on your jurisdiction, you may have the following rights:
- Right to be Informed: Know whether we hold your Personal Information and why it is being processed.
- Access: Request a copy of your data.
- Correction: Update inaccurate or incomplete information.
- Deletion: Request removal of your data, subject to legal or operational exceptions.
- Portability: Receive your data in a machine-readable format.
- Objection / Restrict Processing: Withdraw consent or limit certain uses.
- Opt-Out of Marketing or Profiling: Stop targeted communications or profiling.
- Non-Discrimination: You will not be denied services for exercising your rights.
To exercise your rights, contact us at support@credwize.com. We will respond within timelines required by law.
11. Automated Processing & Profiling
Noorah uses AI to provide suggestions, but financial decisions remain your responsibility. We do not make fully automated decisions with legal, financial, or similarly significant effects.
12. Children’s Privacy
Our services are intended for users aged 18 or older. We do not knowingly collect data from children under the age of consent in their jurisdiction. If we discover such data, we delete it promptly.
13. Changes to this Policy
We may update this Privacy Policy to reflect operational, legal, or regulatory changes. Updates take effect upon posting. For significant changes, we will provide prominent notice (e.g., email or website banner).
14. Contact Us & Regulatory Rights
- Email: support@credwize.com
- Mailing Address: Credwize Technology Inc., 2261 Market Street STE 85220, San Francisco, California 94114, USA
