Privacy Statement

By providing any Personal Information to us on the Creditswitch web site or in our applications (for the purpose of this Privacy Policy, referred to as "Site" or "Sites"), you fully understand and consent to the collection, use, and transfer of Personal Information on the terms and conditions outlined in this privacy notice ("Privacy Policy"). If you don't agree to this Privacy Policy, please choose not to provide Personal Information to us on our Sites. In addition, we reserve the right to change or modify the Privacy Policy at any time as posted, following, for example, changes in local legislation.

Creditswitch will only collect Personal Information when it's necessary for us to carry out one or more requested functions or activities, or for you to get access to our products or services, and we will only collect it by lawful and fair means. Creditswitch might request additional information from you in order to improve our knowledge of our customers or to conduct direct marketing or invite you to contests. You are free to respond to any such requests for additional information. At or before collection, we will take reasonable steps to ensure that you are aware of our intention for collecting the Personal Information and for what specified purposes we need such Personal Information. For each visitor to our platforms, Creditswitch web servers automatically recognize and store information which is not normally deemed to be Personal Information, such as the visitor's IP address and domain name.

We use user information to understand visitor traffic patterns through the Site for purposes such as enhancing their usability. Your computer provides this user information automatically each time you log on, unless you've activated blocking technology available in some browsers. When you visit the Site we may use so called "cookies" which stores certain user information on your computer and allow us to customize your experience to better match your interests and preferences, or to simply facilitate your sign-in to use the services provided by Creditswitch. Most browsers will allow you to erase cookies from your computer hard drive, block acceptance of cookies or receive a warning before a cookie is stored.

However, if you block or erase cookies, we may not be able to restore any preferences or customization settings you have previously specified, and our ability to personalize your online experience would be limited. Please refer to your browser instructions to learn more about these functions.

The Personal Information provided to us on the Site will be handled in an appropriate and considerate manner. Without limiting the foregoing and in order to provide you with the best service, Creditswitch may have to collect, use and disclose your Personal Information for the following purposes;
1) the requested function or activity that you choose;
2) for you to get access to certain products or services;
3) for us to provide you with customer services; or
4) For a purpose specifically stated on the relevant area of the Site that you visit.

Creditswitch at all times reserves the right to use and disclose Personal Information provided by you for the purpose of conducting direct marketing. Creditswitch may also use or combine the Personal Information you provide on the Site with other information that we may collect from you or from third parties in order to more effectively tailor, improve and develop the Site, functions, activities, products, services, applications and offerings to you, and to enhance the overall user experience. In order to provide you with updated services at all times, Creditswitch may share the Personal Information with certain third parties. Any such third party is required to treat your Personal Information with no less restrictive terms as is set out in this Privacy Policy.

However this Privacy Policy does not apply when you are using third party applications. Such third party applications may contain their own privacy policies that you should review.

Should the Personal Information held by us no longer be required by us for any of the purposes set out in the section "Use and Disclosure of Personal Information" above, we undertake to take reasonable steps to destroy or de-identify the Personal Information after a reasonable period of time has elapsed. If you provide Creditswitch with Personal Information, you will have the right, on reasonable prior written notice, to request inspection, change, amendment, or deletion of such Personal Information using provided facilities on the various Creditswitch platforms. However, we reserve the right, subject to applicable law, to charge a reasonable fee for inspection of your Personal Information held by us. Instructions on how to request inspection change, amendment, or deletion of your Personal Information will be given at the point of collection, and if not given at the point of collection, specific instructions will be provided by you using the Privacy Contact information below upon request.

Your Personal Information may be transferred to Creditswitch offices and its affiliates operating in various countries. Those countries may, in rare cases, not provide an adequate level of protection for Personal Information. Each of those Creditswitch offices will however comply with Creditswitch internal policy relating to processing of personal Information. Unless it's for any of the purposes set out under the section "Use and Disclosure of Personal Information" above, Creditswitch will not transfer (other than for routing purpose) the Personal Information you provide on our platforms to any third party, except (a) with your consent; (b) as may be required by law or court order; (c) to persons or companies with whom Creditswitch has contracts to carry out the internal operations of the Site or our business; or (d) we reasonably believe that they are subject to law, binding scheme or contract which upholds principles for fair handling and adequate level of protection of Personal Information.

We undertake to take reasonable steps to ensure that the Personal Information we collect from you is accurate, complete and up to date. However, you are under the obligation to provide only Personal Information which is accurate, complete and up to date at the time of the collection. Should you establish later on that Personal Information held by us is not accurate, complete and up to date, we will - upon your notice - take reasonable steps to correct the Personal Information using resources available on our various platforms.

While Creditswitch can't guarantee that unauthorized access will never occur, rest assured that Creditswitch takes great care in maintaining the security of your Personal Information and in preventing unauthorized access to it through the use of appropriate technology and internal procedures.

Should you have any inquiries concerning Personal Information held by us or our policy, please send an email to