Privacy Policy

Introduction

Neocred ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform to access portable credit services across different countries.

Information We Collect

Personal Information

• • Name, email address, and phone number
• • Identity verification documents (passport, driver's license)
• • Address and residency information
• • Employment and income details

Financial Information

• • Bank account information and transaction history
• • Credit history and credit scores
• • Loan and credit card information
• • Payment history and financial behavior patterns

Technical Information

• • Device information and unique identifiers
• • IP address and location data
• • Usage data and platform interactions
• • Cookies and similar tracking technologies

How We Use Your Information

We use your information to provide and improve our services:

• • Verify your identity and assess creditworthiness
• • Create and maintain your portable credit profile
• • Facilitate credit applications with partner institutions
• • Provide customer support and account management
• • Improve our services and develop new features
• • Comply with legal and regulatory requirements
• • Detect and prevent fraud and unauthorized access

Information Sharing and Disclosure

We may share your information in the following circumstances:

• • With partner financial institutions for credit applications
• • With service providers who assist in our operations
• • When required by law or legal process
• • To protect our rights or the safety of our users
• • In connection with a business transaction or restructuring

We never sell your personal information to third parties for marketing purposes.

Data Security

We implement industry-standard security measures to protect your information, including encryption at rest and in transit, secure data centers, regular security audits, and strict access controls. However, no method of transmission over the internet or electronic storage is 100% secure.

Your Rights and Choices

Depending on your location, you may have the following rights:

• • Access and review your personal information
• • Correct inaccurate or incomplete data
• • Delete your account and associated data
• • Restrict or object to certain processing activities
• • Data portability to another service provider
• • Withdraw consent where processing is based on consent

International Transfers

As part of our portable credit service, your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers, including standard contractual clauses and adequacy decisions.

Retention Period

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Financial information may be retained for longer periods as required by applicable laws.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last updated" date above.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at: