Privacy Policy

1. Collection of Personal Information

“Personal Information” means any information that can identify or is capable of being associated with a particular identifiable individual. We collect this directly from you when you create a CredDot Wallet or interact with our customer support.

• Contact details: Name, email, postal address, and phone number.
• Personal details: Date of birth, passport number, or other government identification.
• Financial information: Bank account numbers and financial history.
• Biometric Data: Facial scan data extracted from photos/selfies for identity verification.
• Source of Funds: Information regarding source of wealth, including bank statements.
• Online identifiers: IP address, unique device ID, and advertising IDs.

Note: You may refuse to provide Personal Information, however, this may prevent us from providing you with our Services.

2. Use of Personal Information

We collect, use, and disclose Personal Information for the following purposes:

• Providing requested money transfer and CredDot Wallet services.
• Establishing your identity and protecting against error and fraud.
• Complying with “Know Your Customer” (KYC) obligations under anti-money laundering laws.
• Monitoring use of Services and enforcing our Terms of Use.
• Detecting, preventing, or investigating security breaches.

3. Disclosure and Sharing

Your information will be shared with fraud prevention agencies to prevent money laundering and verify identity. We may also share data with:

• Affiliates and Partners: Third-party service providers that help operate our Services (payment processing, storage, data analytics).
• Legal Authorities: Competent government or law enforcement authorities if required by law or to defend our legal rights.
• Business Transfers: Potential buyers in the event of a merger, restructuring, or acquisition.

4. Protection and Retention

While we cannot guarantee absolute security, we implement physical, technical, and administrative security procedures. Access is restricted to select authorized employees on a need-to-know basis.

Retention: As a regulated financial entity, we are required by law to store some data for seven to ten years following account closure to comply with laws and assist with investigations.

5. Your Rights and Opting Out

You have the right to:

• Request information on the types of Personal Information we hold about you.
• Request access to your Personal Information currently held by us.
• Request correction or updates to inaccurate information.
• Withdraw consent to the collection and use of your data (subject to legal restrictions).

Policy Version: 2.0 | Last Updated: April 2026