Effective Date: 14/02/2025
Welcome to CreditMuni. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal data in compliance with global data protection laws.
By using https://creditmuni.com, you agree to this policy.
1. Information We Collect
We collect the following information:
A. Personal Information
- Name, email address, phone number.
- Billing and payment details when required.
B. Non-Personal Information
- IP address, browser type, device information.
- Cookies and analytics data.
2. How We Use Your Information
We use collected information to:
- Provide and improve our services.
- Communicate with users (including marketing).
- Comply with legal obligations.
3. Legal Basis for Processing (For GDPR & Other Laws)
- Consent – If you sign up for newsletters.
- Contract – When using our financial services.
- Legal Obligation – If required by law enforcement.
4. Your Rights (According to GDPR, CCPA, LGPD, PIPEDA)
Depending on your location, you have the following rights:
- Right to Access – Request a copy of your data.
- Right to Rectification – Correct inaccurate information.
- Right to Erasure (Right to Be Forgotten) – Request deletion of your data.
- Right to Restriction of Processing – Limit how we use your data.
- Right to Data Portability – Request a transfer of your data.
- Right to Object – Opt out of marketing communications.
To exercise your rights, contact us at Support@creditmuni.com.
5. Data Retention
We retain personal data for as long as necessary to provide our services and comply with legal obligations.
6. Data Security
We implement SSL encryption, firewalls, and secure servers to protect your data.
7. Third-Party Sharing
We do not sell or rent personal data. We may share your information with:
- Payment processors for transactions.
- Legal authorities if required.
8. International Data Transfers
If you are in the EU, Brazil, or Canada, your data may be transferred outside your country. We ensure these transfers comply with data protection laws.
9. Cookies & Tracking
For details on cookies, refer to our Cookie Policy.
10. Changes to This Policy
We may update this policy. Please review it periodically.
For questions, email Support@creditmuni.com.