Privacy policy for the use of the platform
Last updated: August 9, 2025
Credit Solutions and Financial Edge Limited ("Company," "we," "us," or "our") operates the Credsol platform, an AI-powered credit marketplace that connects businesses with lenders and financial service providers. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our platform, website, and related services.
We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains your rights regarding your personal data and how we handle it in compliance with applicable data protection laws and regulations.
By using our platform, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our platform.
We collect several types of information from and about users of our platform, including information by which you may be personally identified, such as name, email address, telephone number, business information, financial data, and any other identifier by which you may be contacted online or offline.
Personal Information: When you register for an account, we collect your name, email address, phone number, business name, business address, and other contact information. We also collect information about your business, including industry type, years in business, annual revenue, number of employees, and business structure.
Financial Information: To provide our services, we may collect financial information including but not limited to: credit scores, bank account information, tax returns, financial statements, cash flow data, outstanding debts, and other financial documents necessary for loan pre-qualification and matching with lenders.
Usage Information: We automatically collect certain information about your use of our platform, including your IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and other usage statistics. This information helps us improve our platform and provide better user experiences.
Device Information: We may collect information about the device you use to access our platform, including device type, unique device identifiers, mobile network information, and device settings.
We collect information from you in several ways, including when you directly provide it to us, when it is automatically collected through your use of our platform, and when we receive it from third parties.
Direct Collection: You provide information directly to us when you create an account, complete loan applications, upload documents, communicate with us, or otherwise interact with our platform. This includes information you provide through forms, surveys, and other interactive features.
Automatic Collection: We use cookies, web beacons, and similar technologies to automatically collect information about your browsing activities, preferences, and interactions with our platform. These technologies help us remember your preferences, understand how you use our platform, and provide personalized experiences.
Third-Party Sources: We may receive information about you from third parties, including credit bureaus, financial institutions, business partners, and other service providers. This information may include credit reports, financial data, and other information necessary for our services.
We use the information we collect for various purposes related to providing and improving our services, including but not limited to the following:
Service Provision: We use your information to provide our core services, including processing loan applications, conducting pre-qualification assessments, matching you with appropriate lenders, and facilitating communications between you and lenders. Our AI algorithms analyze your information to provide personalized recommendations and improve matching accuracy.
Account Management: We use your information to create and manage your account, verify your identity, process transactions, and provide customer support. This includes sending you important updates about your account and our services.
Communication: We use your contact information to communicate with you about our services, respond to your inquiries, send you marketing materials (with your consent), and provide important updates about your loan applications and account status.
Platform Improvement: We analyze usage patterns and user feedback to improve our platform, develop new features, and enhance user experiences. This includes using aggregated and anonymized data for research and development purposes.
Legal Compliance: We use your information to comply with applicable laws, regulations, and legal processes, including responding to subpoenas, court orders, and other legal requests.
Security and Fraud Prevention: We use your information to protect against fraud, unauthorized access, and other security threats. This includes monitoring for suspicious activities and implementing security measures to protect your data.
We may share your information with third parties in certain circumstances, always in accordance with this Privacy Policy and applicable laws. We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
Lenders and Financial Partners: We share your information with lenders, financial institutions, and other partners to facilitate loan applications and provide our services. These partners are bound by confidentiality agreements and are required to protect your information in accordance with applicable laws.
Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as data processing, hosting, analytics, customer support, and payment processing. These providers are contractually obligated to protect your information and use it only for specified purposes.
Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities, such as government agencies, law enforcement, or regulatory bodies. We may also disclose information to protect our rights, property, or safety, or that of our users or the public.
Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change in ownership or control of your personal information.
Consent: We may share your information with third parties when you have given us explicit consent to do so, such as when you opt-in to receive communications from our partners.
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments.
We use industry-standard encryption protocols to protect data in transit and at rest. All sensitive information, including financial data and personal identifiers, is encrypted using strong encryption algorithms. We also implement multi-factor authentication and other access controls to prevent unauthorized access to your account.
Despite our security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee the absolute security of your information, and you acknowledge that you provide information at your own risk. We encourage you to use strong passwords and keep your account credentials secure.
In the event of a data breach that affects your personal information, we will notify you and relevant authorities in accordance with applicable laws and regulations. We will take prompt action to investigate the breach, mitigate any harm, and prevent future occurrences.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The retention period varies depending on the type of information and the purpose for which it was collected.
Account information and profile data are retained for as long as your account is active and for a reasonable period thereafter to provide customer support and comply with legal obligations. Financial information and loan application data are retained for periods required by financial regulations and to provide ongoing services.
Usage data and analytics information are typically retained for shorter periods and may be aggregated or anonymized for long-term analysis. We may retain certain information indefinitely if required for legal, regulatory, or business purposes.
When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention policies and applicable laws. You may request deletion of your information as described in the "Your Rights" section below.
Depending on your location and applicable laws, you may have certain rights regarding your personal information. We are committed to honoring these rights and providing you with control over your data.
Access and Portability: You have the right to request access to the personal information we hold about you and to receive a copy of that information in a portable format. You may also request information about how we process your data and with whom we share it.
Correction and Update: You have the right to request correction of inaccurate or incomplete personal information. You can update most of your information through your account settings, or you may contact us to request corrections.
Deletion: You have the right to request deletion of your personal information, subject to certain exceptions where we are required to retain information for legal, regulatory, or business purposes. We will inform you if we cannot delete certain information and explain the reasons.
Restriction and Objection: You have the right to request restriction of processing or object to certain types of processing of your personal information. This includes the right to opt-out of marketing communications and certain automated decision-making processes.
Withdrawal of Consent: Where we rely on your consent to process your information, you have the right to withdraw that consent at any time. Withdrawal of consent does not affect the lawfulness of processing that occurred before the withdrawal.
To exercise these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within the timeframes required by applicable law and may request additional information to verify your identity.
We use cookies, web beacons, and similar tracking technologies to enhance your experience on our platform, analyze usage patterns, and provide personalized content and advertisements.
Essential Cookies: These cookies are necessary for the platform to function properly and cannot be disabled. They include cookies for authentication, security, and basic functionality.
Analytics Cookies: These cookies help us understand how users interact with our platform by collecting information about usage patterns, popular features, and areas for improvement. This information is used to enhance user experience and platform performance.
Marketing Cookies: These cookies are used to deliver relevant advertisements and track the effectiveness of marketing campaigns. They may be set by us or our advertising partners.
You can control cookies through your browser settings. Most browsers allow you to block or delete cookies, though this may affect the functionality of our platform. You can also opt-out of certain tracking technologies by adjusting your preferences in your account settings.
Your personal information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws than your country.
When we transfer your information internationally, we implement appropriate safeguards to ensure that your information receives an adequate level of protection. These safeguards may include standard contractual clauses, adequacy decisions, or other mechanisms recognized by applicable data protection laws.
We ensure that all international transfers comply with applicable data protection laws and regulations. We regularly review and update our transfer mechanisms to ensure continued compliance with evolving legal requirements.
Our platform is not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If you are under 18, please do not use our platform or provide any personal information to us.
If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we may have collected information from a child under 18, please contact us immediately.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Policy on our platform and updating the "Last updated" date.
For significant changes that affect how we use your personal information, we may also send you an email notification or display a prominent notice on our platform. Your continued use of our platform after any changes to this Privacy Policy constitutes your acceptance of the updated policy.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. If you do not agree with any changes to this Privacy Policy, you should discontinue using our platform.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using the following information:
Credit Solutions and Financial Edge Limited
Email: privacy@credsol.com
We will respond to your inquiry within a reasonable timeframe and work to address any concerns you may have about our privacy practices.