Privacy Policy

"Kreditex," "we," "us," and "our" refer to AB Kreditex AS . Our "Services" consist of mobile applications “Credit Card Offers - Kreditex”.

This Policy explains how we handle your private information (sometimes called "personal data"). Please read it carefully as it explains how we protect your information and the options available to you.

What kinds of information do we gather, how do we utilize it, and who do we share it with?

This paragraph serves as our notification upon collection in accordance with the CCPA. We have shared personal information for the following business or commercial objectives in the previous 12 months:

Types of Individual Data Why We Collect Information About You
Information that can be used to contact or locate you, such as your name, postal address, alias, email address, online identifier, telephone number, place of employment, credit or debit card number, or any financial information; information that is deemed sensitive, such as your social security number or government identification card information. Performing the Services you've requested and meeting your needs. In order to provide our Services, we may use your information in the following ways:
  • Just to check in with you and answer your messages and calls.
  • For security purposes and to ensure that you are eligible to use our services.
  • In order to assist you in obtaining the most competitive prices and widest selection of goods we provide.
  • For the purpose of handling business dealings between you and us or our affiliates.
  • Change the experience to fit your needs.
  • Maintain a fresh set of records.
  • Assist and care for one's clientele.
  • Increasing the quality and visibility of our own and other providers' services.
  • In order to facilitate the development of improved goods for our customers and collaborators, we kindly need your assistance.
  • In order to inform you about our services and promotional offers, we use several communication channels, including email and push notifications, subject to your consent.
  • To deliver location-specific promotions depending on the physical location of your device, subject to your consent.
  • In order to gain insight into the effectiveness and mechanisms of our own marketing strategies, as well as those used by others, we want to enhance our comprehension.
It is important to acknowledge that our organization refrains from using profiling techniques that may result in legal or comparable consequences.

Additional disclosures: It is possible for us to disclose your personal data in accordance with your explicit permission or in order to adhere to legal obligations or other legal procedures.

For a more comprehensive understanding of your privacy options, please refer to the "How Can You Control Your Data" section of this Policy.

The duration of data retention is determined by the need to offer Services and adhere to commercial and legal responsibilities. In order to determine the appropriate duration for data retention, many factors are taken into account, including the volume and nature of the data, the potential dangers associated with unintentional use or disclosure, the feasibility of achieving our objectives with fewer data, and any relevant legal considerations. Once the stated objectives for which your data is collected are no longer applicable, it is safely erased.

What kind of data is collected?

Data is collected and used while using our Services.

The data were collected using four primary methods:

  1. Users provide us with data while using our Services, including but not limited to personal information such as their name or email address.
  2. Data is acquired from other entities in order to facilitate the operation of our Services.

In order to provide our Services, data is used. A portion of the information provided pertains to personal data. This implies a potential connection to an identifiable individual. A portion of this data is obtained from both yourself and other individuals, while another portion is generated by our own means.

How will we utilize your data?

Your data is needed to conduct our business and be of service to you.

Subject to the Services you utilize and the options you select, your data will be used to:

Offering our Service and fulfilling your requests.

When applicable, while providing our Services, we could use your data in the following ways:

When do we disclose information?

In order to provide our Services and facilitate the operation of our company, it is necessary for us to engage in data sharing.

In order to facilitate the provision of our Services, it is possible that we may disclose data to third parties. For instance, consider the partners whose goods have been chosen.

Data sharing with third parties may occur in instances when their services are used to facilitate the operation of our company.

How long do we store your records?

The duration for which we retain your data is contingent upon the need for its retention in order to provide you with our Services.

In order to ascertain the appropriate duration for data retention, many factors are taken into account:

Furthermore, it is essential to acknowledge that there exists the possibility of retaining and using your data for an extended duration, contingent upon its need for legal or contractual obligations, the settlement of disputes, prevention of fraudulent activities, and the maintenance of security measures.

The duration for which we retain your data is determined by the need to provide our Services to you, as well as other legitimate business justifications, including:

When determining the appropriate duration for data retention, many factors are taken into consideration. These factors include the volume of data, the nature of the data, the potential dangers associated with inadvertent use or disclosure, and the legal requirements governing data retention. This implies that some data may be retained for a longer duration compared to other data. Certainly, users also possess the option to exercise their agency by requesting the deletion or rectification of their data.

At any given moment, there exists the possibility for us to render your data anonymous, thus severing any potential connection between such data and your personal identity.

Once the need for retaining data for our intended objectives has ceased, or upon receipt of a legitimate request for deletion, we initiate a systematic procedure to securely eradicate the data from our information systems.

How can you maintain data control?

Users have the ability to exercise discretion in determining the manner in which their data is collected, used, stored, and disseminated.

In some instances, these options pertain to all individuals using a Service (e.g., those receiving a newsletter have the option to unsubscribe from future emails). Conversely, in other cases, these choices only pertain to individuals falling under specific privacy legislation.

We effectively handle any requests that are submitted to us in accordance with legal obligations. This implies that there may exist legal constraints that prevent us from fulfilling certain requests.

It is important to acknowledge that prior to commencing the request, it may be necessary to get evidence of the user's identification.

If you wish to reach out via email or postal mail you can use the following information:

Modifications to the Policy

Occasionally, we may make adjustments to how we collect, utilize, and safeguard your data. When we do, we will update this policy to reflect the change. If the modifications we make are significant, we will also post a special announcement on our website.

Typically, any modifications will only affect the data we obtain after the new policy has been published. The previous policy will continue to apply to any data collected prior to the amendments.

We will also indicate when these changes were last made by publishing the last modification date.

How do you reach us?

If you have any queries or complaints regarding this policy, please contact us using the information provided below.