CRED Privacy Policy

Overview

CRED (“we”; “us”) functions as an information hub, assisting businesses in pinpointing and engaging potential prospects (both at Business-to-Business as individual levels), tailoring their marketing and sales engagements, and enriching their market-entry systems. Our Services are designed to facilitate a myriad of tasks for our clients and partners, including verification of business and professional contact information for business-to-business engagement, identifying potential Corporate Clients and stakeholders within the organization, finding the right points of contact within those companies based on department, role, or level of authority, and customizing their interactions with those entities; or still which Data Subjects would be potential customers for a given product or service based on Personal Data that is Publicly accessible and/ or has been delivered to CRED by its Corporate Clients.

CRED observes applicable Personal Data Protection legislation while following the highest standard where it is more protective of the Rights and Freedoms of those natural persons whose Personal Data is under Processing (meaning the Eu Regulation 2016/679 of the Parliament and the Council, the “GDPR”).

CRED Investments has conducted a Corporate will conduct a Data Protection Impact Assessment (DPIA) to assess its Processing of Personal Data compliance with applicable Personal Data Protection legislation and IT Security Standards, identifying existing non-compliance points and mitigating those by implementing adequate mitigation actions which also mitigate inherent potential risks to the rights and freedoms of data subjects.

Terms as “Controller”; “Processor”; “Personal Data”; “Data Subject”; “Profiling”; “Personal Data Breach”; “Consent”; “Legitimate Interests”; “Performance of a Contract”; “Legal Obligation”; “Supervisory Authority” shall have the same meaning as defined under Art. 4 of the GDPR or elsewhere in the GDPR text.

This policy details the Processing of Personal Data by CRED, meaning how and why we collect, access, store, share and Process (cross-reference/ combine), and make available Personal Data through our website, credplatform.com (“Website”), our browser extension (“Extension”), our software and web-based platforms (“Platform”), and other Services (collectively the “Services”).

Processing of Personal Data

CRED basically undertakes the Processing of Personal Data under two contexts:

  • Internal Business-to-Business prospection – in this case, CRED will search for Personal Data that is publicly accessible (e.g. LinkedIn) and identifies plus allows enticing contact with stakeholders of prospective Corporate Clients for the Purpose and Scope of conveying to those natural persons CRED’s services portfolio that may be of relevance to that organization. The collection of Personal Data occurs having CRED acting as the Controller and under the Legal Basis of Legitimate Interests. Since, the information under Processing is limited to the minimum necessary to access the stakeholders and their contacts under a Business-to-Business scope with Publicly available Data, there is no potential conflict with the Rights and Freedoms of those Data Subjects;

  • Services towards Corporate Clients – in this case, CRED will either get an initial dataset from the Corporate Client or search from scratch Personal Data that is Publicly available on several Social Media platforms (e.g. LinkedIn; Facebook; Instagram; X; Personal webpages; YouTube channels; other…) which identifies Data Subjects whose “characteristics” make them a prospective Customer for the specific portfolio in terms of services and/ or products of CRED’s Corporate Client. In this case CRED acts as the Processor and the Corporate Client the Controller. CRED has in place with its Corporate Clients contractual terms where, those in their Controller role commit to:

    - Having a valid documented Legal Basis in place and meeting regulatory obligations while sharing the initial dataset with CRED;

    - Observe the ruling under Art. 12; 13 and mainly 14 of the GDPR when receiving the enriched dataset from CRED; which main points consists of having those Data Subjects whose Personal Data was under Procesing by CRED and is now under Processing by the Corporate Client aware and informed of such Personal Data Processing activities within 1 month of the data collection; furthermore allowing them to exercise the Rights under the law;

CRED provides it’s feedback dataset to Corporate Clients following modeled outputs using dedicated LLM and Generative artificial intelligence.

Regarding our platform/ service users’

Registration Information: To register to use our service you will have to supply us with your email address and full name. Registration information also includes the credentials you share with us to allow us to access your Account Information.


Additional Personal Data: You may choose to submit additional Personal Data when you register for the Service, including but not limited to your name, your preferred pronoun (he, she, zhe), company or personal financial information, and/or personal preferences.


Unique User Reference: This is a reference which we assign to you when you sign up to use our service, to create your own unique data record.


Account and Transactional Information: When you ‘Add Accounts’ to our service, we may access, store and process your Account Information held by your account provider. Account Information includes, for example, your account details, account transaction information, account features and benefits and regular payments.


Technical Information: When you use our Services, we automatically collect some technical information about your visit or use, including, but not limited to, information about the device you are using (for example, mobile device or web), the IP address used to connect your computer to the internet, your browser type and version and your browser plug-in types and version.


Financial Services Records: This is record-keeping information which we collect in order to meet our regulatory and statutory duties.

Registration Information: To register to use our service you will have to supply us with your email address and full name. Registration information also includes the credentials you share with us to allow us to access your Account Information.


Additional Personal Data: You may choose to submit additional Personal Data when you register for the Service, including but not limited to your name, your preferred pronoun (he, she, zhe), company or personal financial information, and/or personal preferences.


Unique User Reference: This is a reference which we assign to you when you sign up to use our service, to create your own unique data record.


Account and Transactional Information: When you ‘Add Accounts’ to our service, we may access, store and process your Account Information held by your account provider. Account Information includes, for example, your account details, account transaction information, account features and benefits and regular payments.


Technical Information: When you use our Services, we automatically collect some technical information about your visit or use, including, but not limited to, information about the device you are using (for example, mobile device or web), the IP address used to connect your computer to the internet, your browser type and version and your browser plug-in types and version.


Financial Services Records: This is record-keeping information which we collect in order to meet our regulatory and statutory duties.

Registration Information: To register to use our service you will have to supply us with your email address and full name. Registration information also includes the credentials you share with us to allow us to access your Account Information.


Additional Personal Data: You may choose to submit additional Personal Data when you register for the Service, including but not limited to your name, your preferred pronoun (he, she, zhe), company or personal financial information, and/or personal preferences.


Unique User Reference: This is a reference which we assign to you when you sign up to use our service, to create your own unique data record.


Account and Transactional Information: When you ‘Add Accounts’ to our service, we may access, store and process your Account Information held by your account provider. Account Information includes, for example, your account details, account transaction information, account features and benefits and regular payments.


Technical Information: When you use our Services, we automatically collect some technical information about your visit or use, including, but not limited to, information about the device you are using (for example, mobile device or web), the IP address used to connect your computer to the internet, your browser type and version and your browser plug-in types and version.


Financial Services Records: This is record-keeping information which we collect in order to meet our regulatory and statutory duties.

Personal Data Under Processing

CRED undertakes the Processing of Personal Data that is Publicly available for the purpose of:

CRED acts as the Controller under the Purpose of finding and contacting stakeholders at prospective Corporate Clients (full Business to Business scope), under Legitimate Interest and consisting of:

CRED acts as the Processor for the Purpose of providing Insights on potential Prospective Corporate Client Profiles that would adhere to Corporate Client (which acts as the Controller) products/ services (Personal Scope), under the Legal Basis of Fulfilling a Contractual Obligation/ Performance of a Contract:

First Name

Additionally to the mentioned above

Last Name

Timezone

Phone (Company)

Photo URL

Corporate Email

Date of Death

Company

Corporate Client of (companies)

Company Address

Volunteering Member

Role / Job Title / Department

Member of Groups

Company Size

Interests

Location / City

Followed Persons in Social Media

Employment History

Followed Companies in Social Media

Education Background

Is an Investor

Social Media Profiles

Continent / Country / City of Residence

.

Bio

.

Birthdate

.

Education

.

Professional Data

Use of Personal Data

Below you will find a table briefly describing the ways in which CRED Processes your personal data, and which are the Legal Basis that apply.


Please note that CRED may process your Personal Data for distinct Purposes under also distinct Legal Basis.

Below you will find a table briefly describing the ways in which CRED Processes your personal data, and which are the Legal Basis that apply.


Please note that CRED may process your Personal Data for distinct Purposes under also distinct Legal Basis.

Purpose / Activity

Lawful Basis

To register you as a customer to use CRED’s service

Performance of a Contract with you (i.e. Contract)

To manage CRED a relationship with you (including notifying you about changes to CRED’s terms and conditions or this privacy policy)

Performance of a Contract; Legal obligation

To better understand our user base

Legitimate interests

To notify you about products or services (promotional content) that we believe might appeal to you

Legitimate Interests

To create your personal data record, which CRED needs to uniquely identify you

Performance of a Contract

To deliver CRED Services

Performance of a Contract

To provide user support and technical instructions regarding your account

Performance of a Contract

To monitor and improve our Services (to track the use of our service and identify areas where we can improve service performance or service functionality. This includes business and technical improvements)

Legitimate interests

To maintain our statutory records to comply with any applicable regulatory requirements

Legal obligation

Sharing of Personal Data and Third Parties

CRED resorts to its own Processors, and it has in place adequate contractual commitments via Data Processing Agreements where these entities (which Process Personal Data on behalf of and to complement CRED services) commit to observe applicable Personal Data Protection legislation requirements and ruling.


Nevertheless, when using our Services, you will may come across links to third-party websites. Should you choose to click on these links, you will leave CRED website or platform and be moved to those 3rd parties websites; please be aware that the third-party websites may undertake distinct Processing of Personal Data pertaining to you. We lack control over and cannot be held responsible for such Processing by third-party websites. We encourage you to review the Privacy Policy/ Notice and data processing practices of these third parties.


We may disclose your Personal Data when required by law. Additionally, we may disclose Personal Data in connection with legal proceedings or prospective legal proceedings to protect our legal rights or if we reasonably suspect a violation of applicable laws or our agreements

Under certain circumstances, you have the following rights under data protection laws in relation to your personal data:

  • Access to your information

  • Request correction of your personal data

  • Request deletion of your personal data

  • Object to processing of your personal data

  • Request restriction of processing your personal data

  • Request transfer of your personal data

  • Right to withdraw consent

  • Right to review by an independent authority

If you wish to exercise any of the rights set out above, please contact us at privacy@credinvestments.com. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). 

CRED may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. CRED may also contact you to ask you for further information in relation to your request to speed up our response.

CRED will endeavor  to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Your and other Data Subjects’ Privacy

CRED acknowledges that one’s Privacy (meaning the right to decide on WHO is entitled to undertake the Processing of WHICH Personal Data pertaining to that natural person, is one of our main core guidelines; hence we place the utmost importance and invest effort on safeguarding the Personal Data under Processing.


You may may exercise your Rights as determined under Personal Data Protection legislation towards us at any time and we will address such exercise of Rights in a supportive manner, at all times.

Under certain circumstances, you have the following rights under data protection laws in relation to your personal data:

  • Access to your information

  • Request correction of your personal data

  • Request deletion of your personal data

  • Object to processing of your personal data

  • Request restriction of processing your personal data

  • Request transfer of your personal data

  • Right to withdraw consent

  • Right to review by an independent authority

If you wish to exercise any of the rights set out above, please contact us at privacy@credinvestments.com. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). 

CRED may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. CRED may also contact you to ask you for further information in relation to your request to speed up our response.

CRED will endeavor  to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

Your Rights under the law

You have the following rights under Personal Data Protection legislation in relation to the Processing of Personal Data pertaining to you undertaken by us:

You have the following rights under Personal Data Protection legislation in relation to the Processing of Personal Data pertaining to you undertaken by us:

  • Request information on and access to the Personal Data pertaining to you under Processing;

  • Request correction of your Personal Data;

  • Request deletion of your Personal Data;

  • Object to processing of your Personal Data;

  • Request restriction of processing your Personal Data;

  • Request transfer of your Personal Data;

  • Submit a complaint regarding the Processing of Personal Data pertaining to you;

If you wish to exercise any of the rights set out above, please contact us at privacy@credinvestments.com

If you wish to exercise any of the rights set out above, please contact us at privacy@credinvestments.com

Be aware that the exercise of Rights under the law can only be done either by the natural person to whom it pertains to or his/ her legal representatives, therefore when we receive an email with the exercise of Rights under the law, it may be the case where we need to identify the sender as the Data Subject, which may imply requesting specific data/ information from you to achieve identity confirmation.

Be aware that the exercise of Rights under the law can only be done either by the natural person to whom it pertains to or his/ her legal representatives, therefore when we receive an email with the exercise of Rights under the law, it may be the case where we need to identify the sender as the Data Subject, which may imply requesting specific data/ information from you to achieve identity confirmation.

Personal Data Retention

Where Personal Data is no longer under Processing CRED will erase it from its repositories using automated policy-based expiration periods once data has met the retention schedule of 1 year due to “aging” and potential inaccuracies.


When a Corporate Client terminates their contract with us, their account is deleted, and any connections between that Corporate Client and their data in our databases are promptly removed, within a maximum of 90 days from the contract termination.


Furthermore, the data which served this Client is moved to a segregated and encrypted repository, only accessible by one Admin set of credentials, taking it off Processing scope.

Where Personal Data is no longer under Processing CRED will erase it from its repositories using automated policy-based expiration periods once data has met the retention schedule of 1 year due to “aging” and potential inaccuracies.


When a Corporate Client terminates their contract with us, their account is deleted, and any connections between that Corporate Client and their data in our databases are promptly removed, within a maximum of 90 days from the contract termination.


Furthermore, the data which served this Client is moved to a segregated and encrypted repository, only accessible by one Admin set of credentials, taking it off Processing scope.

Training and Awareness

All CRED personnel undertake mandatory and ongoing Personal Data Protection and security training. These training sessions are continuously monitored and subject to regular evaluation to ensure compliance and appropriateness for our business operations. Additionally, with regards to Personal Data Protection training (under the scope of the GDPR) all personnel must fill a test and get minimum 85% positive score to ensure the awareness and adherence towards applicable requirements and the rule of law.

All CRED personnel undertake mandatory and ongoing Personal Data Protection and security training. These training sessions are continuously monitored and subject to regular evaluation to ensure compliance and appropriateness for our business operations. Additionally, with regards to Personal Data Protection training (under the scope of the GDPR) all personnel must fill a test and get minimum 85% positive score to ensure the awareness and adherence towards applicable requirements and the rule of law.

Data Hosting

CRED hosts all Personal Data under Processing in the EU.[1]  CRED utilizes Amazon Web services and Google Cloud Platform as hosting providers (Processors).


@cherry@credinvestments.com _Assigned to cherry@credinvestments.com_

You have the right to stop us processing your personal data for direct marketing purposes. CRED will always inform you if we intend to use your personal data for such purposes, or if CRED intends to disclose your information to any third party for such purposes. You can usually exercise your right to prevent such marketing by checking certain boxes on the forms used to collect your data, or as otherwise stated in the relevant contract detailing our engagement with you. You can also exercise the right at any time by contacting us at privacy@credinvestments.com.


You may also object to us processing your personal data where CRED are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. In some cases, CRED may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

At CRED, we are committed to the highest standards of data security and privacy. To affirm our dedication, we are fully SOC 2 and GDPR compliant, having undergone rigorous third-party audits to verify our data handling practices meet all criteria for security, availability, processing integrity, confidentiality, and privacy.

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© 2024 CRED. All rights reserved.

At CRED, we are committed to the highest standards of data security and privacy. To affirm our dedication, we are fully SOC 2 and GDPR compliant, having undergone rigorous third-party audits to verify our data handling practices meet all criteria for security, availability, processing integrity, confidentiality, and privacy.