Privacy Policy

1. Introduction.

This Privacy Policy (“Policy”) is meant to serve users of this website as a means to disclose how we collect, use, process, share, manage, and store your personal information and data. This is a required right under most countries’ privacy policy laws and is meant to provide the best experience for users in regard to their data privacy.

• Contact Details: If, at any time, users would like to exercise any of the rights granted in this Policy, they may do so by contacting us with any of the methods provided:
  • Company Name: Qredet Digital Sarl
  • Address: 06 BP 2452 06 Abidjan II Plateaux
  • Phone: +225 05 04 97 0227
  • E-Mail: support@qredet.com
• Website Details:
  • Website URL: https://www.qredet.com
  • Website Name: Qredet
• Mobile App:
  • Mobile App Name: Qredet
  • Available on:
    • iOS (App Store)
    • Android (Google Play Store)

2. DISCLAIMERS.

This Policy attempts to provide as much transparency as possible in regard to disclosing the fullest amount of information on how we collect, use, and manage users' data. In an effort to satisfy such efforts, we provide the following disclaimers in regard to specific countries' privacy laws:

• Cote d'Ivoire Users: As defined under ARTCI regulations, Personal Information refers to any information relating to an identified or identifiable individual. The disclosures in this Policy aim to transparently outline the methods used for collecting, managing, storing, using, protecting, and sharing such information. Users consent to this Policy by accessing or using Qredet's services, in accordance with Côte d'Ivoire's data protection framework established by the Autorité de Régulation des Télécommunications/TIC de Côte d'Ivoire (ARTCI).

3. CATEGORIES OF PERSONAL INFORMATION.

Qredet collects the following categories of personal information, as necessary to provide its services and ensure compliance with applicable regulations:

• Identifiers: Full name, alias, residential or business address, signature, mobile phone number, email address, bank account details, national ID number, passport number, or other official identifiers.
• Biometric Information: Facial recognition data or other biometric identifiers used for identity verification purposes.
• Commercial Information: Records of services accessed, transaction history, and preferences related to Qredet's financial or digital payment services.
• Network and Usage Data: Information regarding user interactions with our mobile application, platform, or website, including device metadata and feature usage patterns.
• Geolocation Data: Location data obtained from user devices or application settings, used to support service delivery, security, and user experience enhancements.
• Sensory Data: Audio, image, or video data collected during customer support interactions, onboarding, or security verifications.
• Professional Information (where applicable): Occupational details or employer information provided during onboarding, KYC, or regulatory assessments.
• Inferred Profile Data: User behavior patterns and preferences derived from usage analytics, used to improve service delivery and detect fraudulent activity.

4. HOW WE USE PERSONAL INFORMATION.

We may use or disclose your Personal Information for the following purpose: (check all that apply)

• Offerings: To provide products, services, and offerings that serve the best- matched advertisements.
• Alerts: To provide e-mail alerts and other communications regarding our products, services, and offerings that may be of interest or that you registered to receive.
• Obligations: To carry out any obligations for paid products, services, offerings, or any obligations under our terms and conditions or terms of use.
• Feedback: Getting feedback on website improvements and generally providing an overall better experience.
• Testing: For testing, research, and analysis of user behavior on the website.
• Protection: To protect against fraud, safeguard data, and the general security of the website.
• Security: To detect security incidents, verify human users, and avoid being subject to malicious, deceptive, fraudulent, or illegal activity.
• Law Enforcement: To respond to law enforcement requests as required by applicable law, court order, or governmental regulations.
• Intended Purpose: As described for the intended purpose when collecting your personal information; and
• Assessment: To evaluate or conduct a merger, divestiture, restricting, reorganize, dissolve, or outright sale, either wholly or partially, of our assets in which your Personal Information becomes a part of such sale.

Our usage of your Personal Information may change over time, and when such changes occur, we will update this Policy accordingly.

5. SELLING PERSONAL INFORMATION.

Qredet does not sell personal information. It is against our policy to sell, rent, or exchange personal data of users to any third party for commercial gain.

• All personal information collected is used solely for legitimate business purposes, such as identity verification, transaction processing, service delivery, regulatory compliance, and customer support.
• We may share personal data with trusted partners and service providers under strict data protection agreements, but such sharing is not considered a sale under applicable laws.

6. SHARING PERSONAL INFORMATION.

Qredet may share your personal information with third parties strictly for legitimate business purposes. These include:

• Authorized service providers who support our platform's core functions (e.g., hosting, identity verification, payment processing) and without whom our services could not operate effectively.
• Affiliated businesses and partners working with Qredet to enhance or deliver improved services, offerings, and user experiences.
• Marketing and advertising partners who assist in promoting our services to current and prospective users, in compliance with applicable data protection laws.
• Third parties authorized by you or your representative, including where you have given explicit consent for such disclosures.
• Entities involved in corporate transactions, such as mergers, acquisitions, or asset transfers, where personal information may be part of the transaction scope.
• Regulatory or governmental authorities, when required to comply with legal obligations, enforce applicable terms, or respond to lawful requests.

All third-party data sharing is done under contractual safeguards and with appropriate measures to protect the confidentiality and integrity of your personal information.

7. RIGHT AND CHOICES FOR CALIFORNIA RESIDENTS.

Qredet is committed to ensuring that individuals can exercise their rights regarding their personal information. This section outlines those rights, how to exercise them, and the related terms and exceptions.

• Exceptions The following types of information may be excluded from certain rights outlined in this section:
  • Aggregated data that does not identify any individual.
  • De-identified or pseudonymized personal data.
  • Publicly available information collected lawfully.
• Right to Access Personal Information You have the right to request access to the personal information we hold about you. Upon verification, we will provide:
  • We collect the categories of personal data.
  • The sources of that data.
  • The purposes for which it is used.
  • The categories of third parties with whom it is shared.
  The specific personal data we hold about you in a portable and readable format (data portability).
• Right to Request Deletion You may request the deletion of your personal information from our records. Upon verification, we will delete the data unless its retention is necessary to:
  • Complete a transaction or fulfill a contractual obligation.
  • Detect, prevent, or prosecute fraud or illegal activity.
  • Debug or repair technical issues.
  • Comply with legal obligations.
  • Exercise freedom of expression or another legal right.
  • Conduct scientific or statistical research in public interest where deletion would impact results.
  • Support internal, lawful uses consistent with the original context of collection.
• How to Exercise Your Rights To exercise your rights of access, correction, deletion, or data portability, you or an authorized representative must submit a verifiable request using the contact information provided in Section 1 of this Policy.
• Request Limitations You may submit up to two verified requests related to access or portability within a 12- month period. We are unable to process requests if we cannot verify your identity or authority to act on behalf of the individual concerned. Verifying your identity does not require creating an account. Any information you provide for verification will be used solely for that purpose.
• Authorized Representatives If someone is acting on your behalf, we may require:
  • Written permission from you.
  • Direct confirmation from you (via email or other secure method).
  • Proof of identity for the authorized agent.
  • A valid power of attorney document, where applicable.
  We reserve the right to deny requests if sufficient authorization or identity verification is not provided.
• Response Time and Format We aim to respond to verified requests within 45 days of receipt. If additional time (up to 90 days) is needed, we will inform you of the reason in writing. Responses will be delivered via email or your preferred method and will include information from the 12-month period preceding your request. Data portability responses will be provided in a format that is easy to use and share. No fees will be charged unless the request is excessive or repetitive.
• Non-Discrimination We will not discriminate against individuals who exercise their rights under this Policy. This means we will not:
  • Deny access to products or services.
  • Impose different pricing or terms.
  • Provide a lower quality of service.

8. CHANGES AND AMENDMENTS.

We reserve the right to amend this Policy at our discretion and at any time. When we make changes to this Policy, we agree to notify you by e-mail or other preferred communication methods.

9. LINKING TO 3RD PARTIES.

Qredet's platform may include links to third-party websites, applications, content, or services (“Third Parties”) for your convenience or as part of our service experience. Please note that once you access these third-party services, you are subject to their own privacy policies, terms of use, and applicable laws. We strongly recommend that you review their privacy practices and terms before providing any personal information.

Qredet is not responsible for how third parties collect, use, or manage your personal data. Your interactions with these third-party services are solely at your discretion and risk.

10. SECURITY & PROTECTION.

Qredet implements robust physical, electronic, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, or disclosure. These measures are aligned with industry standards and international security frameworks, including ISO/IEC 27001.

We utilize encryption, access controls, secure hosting environments, and continuous monitoring to protect data throughout its lifecycle.

However, please be aware that the transmission of information over the internet is not entirely secure. While we take reasonable steps to safeguard your data, we recommend avoiding the use of unsecured or public networks when submitting sensitive or confidential information electronically.

11. Contact.

If you have any questions, concerns, or comments about this Policy, the way Qredet collects and uses your personal information, your rights, or how to exercise them, please contact us using the details provided in Section 1 of this Policy. We are available to assist you and ensure your data privacy rights are respected.