Privacy Policy

Introduction

At Credityes, we take your personal information's privacy and security very seriously. Therefore, through this document, we have tried to describe as simply as possible how we collect and process your information.
This privacy policy describes how SIA DOAFF (hereinafter referred to as "SIA DOAFF" or "We", Registration No.: 40203426084, and located at Mednieku iela 4A, Rīga, Latvia, LV-1010) handles the personal data of its users (hereinafter referred to as "You") in relation to the use of its website, credityes.net (hereinafter referred to as the "Site" or Credityes), and the services provided by Credityes.
This document is compliant with the European General Data Protection Regulation (GDPR).
This document contains the legal mentions or references that will govern the conditions under which the website or web page collects, manages, and retains ("processes") personal data of internet users who access, browse, and use the site or page. It also includes the rights of users and the obligations of the website owner regarding the processing of personal data.

The purpose of this privacy policy.

The purpose of this privacy policy is to explain how Credityes collects, uses, and shares your personal data, and what rights you have regarding your data.

Who is responsible for processing your data?

The responsible party is the company SIA DOAFF, Registration number: 40203426084, with the address: Mednieku iela 4A, Rīga, Latvia, LV-1010.

What data do we collect and when?

Sources from which personal data originates:
When you provide them directly through the forms on our website (for example, when you fill out a loan application or in any other way);
From third-party websites that are dedicated to generating opportunities related to the provision of services, including those offered by Credityes;
Publicly accessible sources (e.g., public profiles on social networks such as Facebook or LinkedIn);
Automatically, through the use of computer tools (for example, information related to your behavior on our website, obtained through the Google Analytics tool).

For what purpose do we process your personal data?

The main purposes for which we use your data are to help you find a loan and manage your customer account. This includes sending personal data to loan providers to find a suitable lender, as requested, that matches your needs, as well as pre-filling the loan application in case it repeats and improving your credit profile and score if you already have an account.
We process the data generated from using our website and services (e.g., information about how you navigate and use our website) to improve the user experience when using the website and services, with the goal of making them more intuitive. The legal basis for the above is our legitimate business interest in improving the website and user experience. Considering the nature of the data and the fact that we use it in aggregated form, as well as your interests or fundamental rights and freedoms, these do not outweigh our legitimate interests.
We also process data received from your use of our website and services (e.g., information about how you navigate and use our website) in order to prevent fraud and the abusive use of our Services (e.g., preventing the use of the website and Services by robots). The legal basis for the above is our legitimate business interest in improving the website and user experience. Considering the nature of the data and the fact that we use it in aggregated form, as well as your interests or fundamental rights and freedoms, these do not outweigh our legitimate interests.
To the extent required by applicable data protection regulations, you have the right to object to the processing of your personal data based on legitimate interest.
In addition, whenever you authorize it, we may share your personal data with third parties so they can send you commercial communications about their products or services.
When the processing of personal data is based on your consent, it can be withdrawn at any time by clicking on the "unsubscribe" / "opt-out" link at the end of each email. Please note that withdrawing consent does not affect the legality of the data processing carried out before the withdrawal.
We may also process your personal data to comply with legal obligations (for example, our obligation to share your personal data with relevant authorities and to comply with anti-money laundering and counter-terrorism financing obligations). This type of processing is based on our legal obligation to inform.

What is automated decision-making?

Automated decision-making as part of our Service: Considering your preferences for taking out a loan with us and the personal information you provided by completing the loan application form, the information obtained from the sources listed above, and your history of using our Services (e.g., if you were granted a loan and who granted it), we prepare or complete your credit profile and "score," subsequently allocating the results obtained to your Account. We compare your profile with the conditions set by each Creditor for their clients, and based on the results of this comparison, we provide you with the Creditor or list of Creditors with whom you have the highest chances of actually receiving the loan, under the terms you have preselected. Our results are based on the information we received from Creditors regarding the conditions they offer their clients, as well as the best estimate of the previous behavior of the Creditors. As a result of our comparison, the list of potential creditors may be very large, or, on the contrary, it may contain only one or no potential creditors at all, depending on how many creditors, according to our best estimate, would be willing to lend to people with profiles similar to yours. To understand what each Creditor's preferences are based on, please refer to the Creditor's privacy policies.
The results of our profiles cannot be considered as affecting your chances of obtaining a loan. You have the right to obtain human intervention, express your point of view, and challenge the decision.

Who has access to your personal data? What is your personal data sharing policy?

We share your personal data only when we have a legitimate reason to do so and when such sharing is legally protected.
We only contract with service providers who offer sufficient guarantees to implement appropriate technical and organizational security measures to protect your personal data.
Credityes transfers the personal data it collects to recipients belonging to the following categories:

• • Loan providers.
• • The provision of our Services includes sharing your personal data with Creditors so that they can decide whether or not to grant you a loan and sign the loan agreement. The purpose and legal basis for such sharing of personal data is to fulfill the Agreement between us and to properly provide our Services. The Creditor will use your personal data solely to decide whether or not to grant you a loan. However, please note that once we have transferred your personal data to the Creditor for them to assess whether to grant you a loan, the Creditor is solely responsible for processing your personal data. Therefore, you should familiarize yourself with their respective privacy policies. If the Lender decides not to grant you a loan, they must delete or anonymize your personal data unless there is a valid legal basis for retaining it.
• • Email providers;
• • SMS service providers;
• • Analytics providers;
• • IT and marketing teams that process personal data on the same servers where Credityes stores personal data may have access to this personal data;
• • Auditors, authorities (The legal bases for this exchange lie in the necessity of complying with our legal obligations).

If you need detailed information regarding the service providers related to the processing of your personal data, please contact us using the contact details.

How long do we keep your personal data?

We keep your personal data for as long as necessary to fulfill the purpose for which it was provided, as well as for the time required to protect your rights as required by applicable regulations. We may keep your personal data for several years after the end of our relationship if necessary to protect your rights in accordance with the provisions of applicable regulations. If there are different purposes that give rise to the processing of your personal data, they will be kept for the longest period.
In accordance with the maximum statute of limitations for claims arising from these operations, according to applicable law, when the obligated party intentionally fails to fulfill its obligations, we may retain your personal data related to such claims for up to 10 years from the request.

Your rights

In accordance with applicable regulations, you have all the rights established by the regulation regarding your personal data. Such rights include, among others, the following:

• • Request access to your personal data;
• • Obtain a copy of your personal data;
• • Rectify or complete inaccurate or incomplete data;
• • Delete personal data;
• • Restrict the processing of your personal data;
• • Portability of your personal data.
• • Object to the processing of personal data based on our legitimate interest and the processing of personal data for direct marketing purposes;
• • Provide additional credit data to complete incomplete personal data concerning the data subject;
• • lodge a complaint with a supervisory authority.

Please note that the rights related to your personal data are not absolute and will be subject to considerations permitted by applicable law.
To exercise your rights, please contact us using the contact details.
If you believe that your rights regarding your personal data have been violated, please contact us using the contact information.
If our personal data processing practices change or if it is necessary to amend this Privacy Policy in accordance with the law, case law, or applicable guidelines issued by competent authorities, we reserve the right to unilaterally modify this Privacy Policy at any time. If the changes are significant and affect you in any way, we will notify you by email, and a pop-up will appear on our website before the changes take effect.

Contact us

If you have any questions regarding the processing of your personal data by us or if you wish to exercise any of your rights, you can contact us using the following contact information: info@credityes.ph
Credityes will respond to the request without undue delay and, in any case, within one month of receiving the request (this period may be extended by two months, depending on the circumstances). The response time will depend on the number of requests Credityes receives and the content of a specific request.
Privacy Policy effective from March 20, 2025.

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Contacts

Applications are accepted 24/7.
If you have any questions, you can contact us at info@credityes.ph.