Credstore

Privacy Policy

Credstore Africa, Inc., a Delaware corporation, together with its applicable subsidiaries, affiliates, assignees, and successors (collectively, "Credstore", "we", "us" or "our") are committed to your personal privacy and your security online. This policy describes the ways we collect, use, share and protect your personal information.

Information We Collect About You

We collect information about you in three ways:

  1. (I) Information You Provide: When you use Credstore's website and any services we might provide, you will generally be required to provide personally identifying information, which may include your e-mail address, name, address, telephone number and Social Security Number, as well as financial information, which may include income, employment and bank account information. You may also have to provide certain documents to verify the information you provide.
  2. (II) Information from Third Parties: Third parties, such as credit bureaus, may provide us with information on you. We may combine this information with information we already have about you to evaluate your application for services, to create or offer personalized products and services for you, or for similar purposes.
  3. (III) Information from Your Use of the Website: We may collect additional user behavior information during your use of the website. This may include device information (such as your internet protocol address), log information (such as pages visited), location information, and other information (such as cookies and anonymous identifiers). We will retain your information for as long as needed to provide you services or as necessary to comply with our legal obligations and our backup, archival and audit procedures.

How We Use the Information We Collect

Information we collect from you may be used in one or more of the following ways:

  1. To provide you with products and services, including in determining your eligibility for products and services we might provide;
  2. To verify your identity and age as well as to guard against potential fraud;
  3. To obtain, with your authorization, third-party data from credit bureaus or others in connection with your application;
  4. To personalize your experience using the website;
  5. To provide customer service;
  6. To enable our service providers to provide you with services, such as funds transfers, billing, payments, and collection activities as needed;
  7. To send you regular communications, including information and updates about your account as well as news, updates, and related product or service information;
  8. To improve our products and services and identify, develop or offer new products and services;
  9. For our marketing purposes to offer our products and services to you;
  10. To enforce agreements with you;
  11. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request; and/or
  12. To fulfil any other purpose for which you provide it or otherwise give your consent.

Information We Share

We may share information with third parties in the course of running our business, including:

  1. Service providers who assist with parts of our operations including but not limited to, technology providers, payment processing providers, credit bureaus, collections agencies and other service providers;
  2. Credit bureaus to report account information, as permitted by law;
  3. Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to;
  4. Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure or we need to do so to comply with the law;
  5. Other third parties but only if you consent or direct us to do so; and
  6. Companies that include Credstore as a service provider and payment option.

Credstore will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described above. Information that has been made anonymous so that it does not identify a specific user is not considered personal information and we may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors.

How We Protect Your Information

Credstore is committed to safeguarding your personal information through various industry standard policies and practices.

We protect your account security by employing session time-outs, which log you out of the website after a specified time period, and by employing secure password practices, including password strength requirements and secure password reset procedures. Your password is not known to any employee or service provider of Credstore.

We protect your data in our care by storing sensitive personal and financial information, such as bank account numbers, in a secure, off-site, hosted environment, which can only be read or written through defined service access points which are password-protected and accessible only to employees and service providers with a permitted need to access such information.

We also protect your information in transit by employing Secure Socket Layer (SSL) certificate technology which encrypts all data entered into our website and ensures the connection is secure. As an additional measure, we also require a 128-bit secure browser for logins and transactions.

While we employ safeguards that are designed to protect the personal information we collect, we cannot guarantee the security of your personal information and you use our website and services at your own risk.

Cookies and Other Technologies

We use various technologies to collect and store non-personally identifiable information when you use the website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including web beacons, clear GIFs, pixel tags and other means. Credstore may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.

Most browsers accept cookies automatically but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser's "Help" section of the toolbar, or on the website of the browser designer will explain how to turn off or modify your browser's settings regarding cookies. Please note that without cookies, you may not be able to take full advantage of all of the website's features.

We may use cookies, among other things, to keep track of any advertisements we may display or to compile aggregate, non-personally identifiable data about website traffic and website interaction so that we can offer better website experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our website visitors. These service providers are not permitted to use information about or from users collected on our behalf, except to help us conduct and improve our business.

Your Choices

Opt out of marketing communications. You may opt out of marketing communications by clicking the unsubscribe link at the bottom of the communication. After you opt-out, you may continue to receive service-related and other non-marketing emails.

Online tracking opt-out. There are several ways to opt out of having your online activity and device data collected through our services, which we have summarized below:

  1. Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit allaboutcookies.org.
  2. Use the following links to learn more about how to control cookies and online tracking through your browser: Firefox; Chrome; Microsoft Edge; Safari
  3. Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit the use of the advertising ID associated with your mobile device for interest-based advertising purposes.
  4. Using privacy plug-ins or browsers. You can block our Services from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, DuckDuckGo, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.
  5. Platform opt-outs. The following advertising partners offer opt-out features that let you opt out of use of your information for interest-based advertising: Google, Bing
  6. Advertising industry opt-out tools. You can also use these opt-out options to limit the use of your information for interest-based advertising by participating companies: Digital Advertising Alliance, and Network Advertising Initiative.

Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt-out on every browser and device that you use.

Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com

Product Reviews

If you review a product on our site, this review may be posted on our site or associated social media sites to help other customers make informed purchase decisions. By completing a product review, you grant PayrollShopping.com and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content in any form and at any location.

Children's Privacy

Our services are not directed to children who are under the age of 16. We do not knowingly collect personal information from children under the age of 16. If we learn that we have collected personal information from a child under the age of 16 without the consent of the child's parent or guardian as required by law, we will delete that information.

Modifications to This Policy

Credstore reserves the right to make changes to this policy at any time and from time to time and by using or accessing the website, you agree that we may modify this policy at any time without prior notice. Any modification is effective immediately upon posting on the website. Your continued use of the website after any modification of this policy indicates your acceptance of the modification and the policy as so modified.

How You Can Contact Us

You may email us at customerservices@credstore.africa to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.