Privacy Policy
Effective date: February 17, 2026
1. Information We Collect
We collect the following types of information when you use our Platform: Account Information: Email address and password provided during registration. Transaction Data: Invoice details, payment amounts, credit code records, and purchase history. API Usage Data: API key identifiers, request logs, and timestamps. Technical Data: IP address, browser type, device information, and access logs collected automatically when you visit the Platform. We do not collect sensitive personal data such as government IDs, biometric data, or financial account numbers beyond what is necessary for SWIFT payment processing.
2. How We Use Your Information
We use the collected information to: • Provide and maintain the Platform and its services • Process credit purchases and generate credit codes • Generate invoices and maintain transaction records • Authenticate your identity and secure your account • Communicate with you regarding your account, transactions, or support inquiries • Monitor and improve Platform performance and security • Comply with applicable legal obligations
3. Data Sharing
We do not sell, rent, or trade your personal information to third parties. We may share your data only in the following circumstances: Service Providers: With trusted third-party services that help us operate the Platform (e.g., hosting, email delivery), bound by confidentiality agreements. Legal Compliance: When required by law, regulation, legal process, or governmental request. Business Transfers: In connection with a merger, acquisition, or sale of assets, where your data may be transferred as part of the transaction. We will never share your credit code data or API keys with any third party.
4. Data Security
We implement appropriate technical and organizational measures to protect your data, including: • Encryption of data in transit (TLS/HTTPS) • Secure password hashing • Row-level security policies on our database • API key-based authentication for programmatic access • Regular security reviews of our infrastructure While we strive to protect your data, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.
5. Data Retention
We retain your personal data for as long as your account is active or as needed to provide our services. Transaction records and invoices are retained for a minimum of 5 years for legal and accounting purposes. You may request deletion of your account at any time by contacting us. Upon account deletion, we will remove your personal data within 30 days, except where retention is required by law.
6. Cookies
The Platform uses essential cookies to maintain your authentication session and ensure the Platform functions correctly. We do not use advertising or tracking cookies. No third-party analytics cookies are used without your explicit consent.
7. Your Rights
Depending on your jurisdiction, you may have the right to: • Access the personal data we hold about you • Request correction of inaccurate data • Request deletion of your personal data • Object to or restrict certain processing activities • Request portability of your data in a structured format To exercise any of these rights, please contact us at contact@credit.altus-digital.io. We will respond to your request within 30 days.
8. International Data Transfers
Your data may be processed and stored on servers located outside your country of residence. By using the Platform, you consent to the transfer of your data to jurisdictions that may have different data protection laws than your own. We ensure appropriate safeguards are in place to protect your data during such transfers.
9. Children's Privacy
The Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us so we can take appropriate action.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Platform after changes are posted constitutes acceptance of the revised policy. We encourage you to review this policy periodically.
11. Contact
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at contact@credit.altus-digital.io.