Privacy Policy

CrediQ (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our website or services, including our Buy Now, Pay Later (BNPL) platform.

1. Information We Collect

We may collect the following information when you visit our site or use our services:

  • Personal Information:
    Name, email, phone number, billing and shipping addresses, date of birth, national ID or other government-issued ID (as required).
  • Financial & Transactional Data:
    Purchase history, payment method, repayment behavior, credit risk data (where applicable).
  • Device & Technical Data:
    IP address, browser type, device information, cookies, usage logs.
  • Other Information:
    Communications with our team, support requests, survey responses.


2. How We Use Your Information

We use your information to:

  • Provide and manage our BNPL services
  • Verify your identity and assess credit risk
  • Process transactions and send payment reminders
  • Prevent fraud and comply with legal obligations
  • Improve our website and customer experience
  • Communicate with you (account updates, marketing, service announcements)


3. Sharing Your Information

We may share your information with:

  • Merchant partners (for purchase verification)
  • Payment processors and banks (to manage payments)
  • Credit bureaus or identity verification agencies
  • Government or regulatory bodies when required by law
  • Service providers (IT support, customer service, analytics)

We do not sell your personal information.


4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences
  • Understand site usage and performance
  • Offer relevant products and promotions

You can manage your cookie preferences in your browser settings.


5. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, including legal, regulatory, and reporting requirements.


6. Your Rights

Depending on your location, you may have the right to:

  • Access the personal data we hold about you
  • Request correction or deletion
  • Object to or restrict processing
  • Withdraw consent at any time

To exercise these rights, contact us at info@crediq.shop


7. Data Security

We use encryption, access controls, and secure hosting to protect your information. However, no digital platform can guarantee 100% security.


8. International Transfers

If you are accessing CrediQ from outside our operating country, be aware that your data may be transferred to—and processed in—countries with different privacy laws.


9. Children’s Privacy

CrediQ does not knowingly collect data from anyone under the age of 18. If we learn that a minor has submitted personal information, we will delete it.


10. Updates to This Policy

We may update this Privacy Policy from time to time. The latest version will always be posted here with the updated effective date.


Contact Us

If you have questions or concerns about this policy, contact us at:

CrediQ Privacy Team
Email: info@crediq.shop
Phone: +1 (868) 435-2733