Privacy Policy – CREDIKA

This Privacy Policy explains how CREDIKA Pte. ltd. (hereinafter, "we", "us", or "CREDIKA") collects, uses, discloses, and secures information from or about you (hereinafter, "you" and "your" or "End User").

By accessing or using CREDIKA’s offerings, you agree to be bound by this Privacy Policy. If you do not agree or cannot comply, you may not access or use CREDIKA’s services. If you represent another entity, you confirm that you have the authority to accept this Privacy Policy on their behalf.

You authorize CREDIKA and its applicable partners to obtain, store, process, and use your information in accordance with this Privacy Policy.

1. End User Agreement

This Privacy Policy is part of the CREDIKA End User Agreement. Terms not defined herein will carry the meaning set in the End User Agreement.

2. Defined Terms

• Privacy Policy: This document.
• Minor: An individual under the legal age of consent (but not less than 16 years).
• Person: Any legal entity or individual.

3. Information We Collect

i. Information You Provide

• Login identifiers such as username/password.
• Name, email, phone, address, OTP, etc., for verification and service delivery.
• Data provided via communication (support, forms, feedback).

ii. Data We Acquire

• Profile data (name, email, phone, DOB, ID documents).
• Network and connection data (followers, engagement analytics).
• Device data (IP, OS, location, browser).
• Data from partner platforms and service providers.
• Engagement metrics, ratings, awards, impressions, etc.
• Location history as tracked by connected platforms.

iii. Tracking Technologies

We use cookies and similar technologies. See section 8 for more details.

iv. Inferences and Analysis

We analyze collected data to generate insights or behavioral patterns.

4. Use of Information

• To operate and improve CREDIKA services.
• Analytics and performance measurement.
• Customer support and service improvement.
• Legal compliance and protection of rights and infrastructure.
• With your consent, for other notified purposes.

5. Sharing Your Information

• With platforms you connect to via CREDIKA.
• With partners and processors who assist our operations.
• With legal or government authorities when required.
• In business transitions like mergers or acquisitions.
• With your explicit consent.
• We may share anonymized data for business, analytics, or research purposes.

6. Platforms and Third-Party Data

Once data is shared with platforms via CREDIKA, their policies apply. We recommend you review each platform's privacy policy before consenting to integration.

• Facebook
• Instagram

7. Data Security

We use reasonable technical and organizational measures to protect your data. However, no system is 100% secure. We disclaim responsibility for security breaches outside our control.

8. Cookies

We use session and persistent cookies to enhance your experience.

• Session Cookies: End when your session ends.
• Persistent Cookies: Remain until deleted or expired.

You can disable cookies in your browser settings, but some features may not work properly.

9. Data Retention

• We retain data only as long as necessary.
• Anonymized data may be retained indefinitely.
• You may request deletion of your data, subject to applicable law.
• Data is deleted upon valid account termination.

10. Children's Privacy

CREDIKA does not knowingly collect data from minors without guardian consent. If you believe a minor has shared data improperly, contact us for prompt removal.

11. External Links

CREDIKA is not responsible for the privacy practices or content of third-party websites linked on our platform.

12. Do Not Track

We do not support or respond to “Do Not Track” browser settings.

13. Updates to this Policy

This Privacy Policy may be updated periodically. Continued use of our services implies your acceptance of the updated terms.

14. Third Party Data Handling Disclaimer

This Privacy Policy does not govern how third parties (like platforms or brands) use your data. Please consult their terms and policies separately.

15. Contact Us

If you have questions or need assistance with this Privacy Policy, contact us at:

Email: mailto:Kevin.w.hong@gmail.com