Legal and Privacy

Last revised on Feb 11, 2021


This Privacy Policy constitutes a part of CREDITS Terms of Use. The terms used in this Privacy Policy shall have the same meanings as in the Terms of Use except as otherwise specified. The terms “we”, “us” and “our” refer to CREDITS. When we ask for your personal information, it is because we are required by applicable laws or regulations to collect such information or it is relevant for our specified purposes.

This Privacy Policy has incorporated elements from the General Data Protection Regulation (Regulation (EU) 2016/679) (“GDPR”)) and the UK GDPR as we act in accordance with their personal information processing rules. We use standard contract clauses, rely on the European Commission’s adequacy decision about certain countries, and when applicable, conduct data protection impact assessment prior to processing which may potentially result in a high risk to your rights and freedoms and obtain your consent for these data transfers to third countries if required by applicable laws.

This Privacy Policy explains how we use the personal data we collect from you when you use our Services.



  • What data do we collect?

  • How do we collect your data?

  • How will we use your data?

  • Transfer of your personal data

  • How do we store and protect your data?

  • Marketing

  • What are your data protection rights?

  • What are cookies?

  • How do we use cookies?

  • What types of cookies do we use?

  • How to manage your cookies

  • Privacy policies of other websites

  • Changes to our Privacy Policy

  • How to contact us

  • How to contact the appropriate authorities

What data do we collect?

CREDITS collects the following dаta:

  • Personal identification information (name, nationality, gender, home address, passport details, date of birth, email address, phone number, username, signature). This information helps us to identify you.

  • Information required by regulatory authorities (e.g. AML/CTF & KYC requirements) (identity documents, personal photo, incorporation documents for legal entities, information about the ultimate beneficiaries, proof of address, utility bills or bank statements, source of fund declaration, purposes of fund documents and source of wealth). 

  • Information related to usage of our Services (web requests, IP address, browser type, language, time zone settings, browser plug-in types and versions, operating system and hardware setting, phone number, information derived from network operator, GPS, base station and WLAN). This information helps our systems to ensure that our Services are accessible for Users across all platforms and can aid during criminal investigations. Your location information (determined through GPS and IP address) helps us to prevent fraud when your location and device type are different from what you would normally use. 

  • Information related to Transactions (account numbers, account balances, Transactions history, transaction activity, distribution history). We collect this information to monitor suspicious trading activity for fraud protection, legal case resolution and other purposes disclosed in this Policy.

  • Communication information (communication that you send to us or generated through your use of our Services, including all messages, requests or other information you send in the course of your contract with us, all communications and file attachments in connection with your usage of our Services).

How do we collect your data?

You directly provide CREDITS with most of the data we collect. We collect data and process data when you:

  • Register for, log in or visit our Website, Platform, or use any Service of CREDITS;

  • Voluntarily complete any User survey or provide feedback to us via email or other channels;

  • Use or view our Website or Platform via your browser’s or software’s cookies.

We may also receive your data indirectly from the following sources:

  • public databases, credit bureaus and ID verification or AML/KYC verification partners and transaction monitoring tools;

  • third parties that provide services to you or us;

  • blockchain data;

  • marketing partners and resellers;

  • advertising partners and analytics providers.

How will we use your data?

We collect your data so that we can:

  • provide and maintain CREDITS Services. We use the collected information to deliver, maintain and improve CREDITS Services and verify our Users’ identities. 

  • protect our Users. We use the collected information to protect our Website, Platform, Users’s Accounts and archives. We use IP addresses and cookies to protect against automated abuse such as spam, phishing and other hacker attacks. 

  • comply with legal and regulatory requirements. We use the information in compliance with our legal obligations and government requests. In cases where it is strictly necessary to fulfill the purpose of public interest, to pursue our reasonable interests (without causing damage to the interests of our Users), we may process your personal information without your consent. We will not disclose or provide any of your personal information to third parties without a review from our legal team and/or your prior consent, except for the situations stated in this Privacy Policy or our Terms of Use.

  • communicate with you. We use your personal information like your phone number or email address to interact with you directly when providing customer service or to keep you informed on logins, transactions, account security and other aspects. All direct communications are properly kept at CREDITS or the service provider designated by CREDITS, to be reviewed for accuracy, to be kept as evidence, or to be used to perform other statutory or contractual obligations.

  • enforce our Terms of Use and other agreements with our Users. It includes, but not limited to reviewing, investigating, and preventing any potentially prohibited or illegal activities that may violate the foregoing provisions, or disclose the relevant information to a third party in accordance therewith.

  • marketing and advertising. We may use your personal information for the purposes of targeting, modelling, and/or analytics as well as marketing and advertising.

  • establishment, exercise or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure. The legal basis for this processing is our legitimate interests, namely the protection and assertion of our legal rights, your legal rights and the legal rights of others.

Please do not supply any other person’s personal data to us, unless we prompt you to do so and/or we have agreed in writing prior to receiving the data from you. Any information that we receive that is not identified shall be notified to you and destroyed immediately.

Transfer of your personal data 

You understand that we have the right to have all or some of the collected personal information transferred to or stored in other countries or regions than your country of nationality, your country of residence, or the country where the server is, without your specific consent, under the following circumstances:

  • if it is necessary to protect, process, analyze, reasonably use the personal information;

  • if it is necessary to enforce our Terms of Use and other agreements with our Users;

  • if it is necessary for the public interest;

  • if it is necessary to establish, exercise or defend the rights of us, our partners, or other Users;

  • other circumstances required by law or government orders.


We share your data with our partner companies or contractors to be able to provide you with Services. For example, your Transactions may be handled by external payment service providers.We may disclose your data to one or more of those selected payment services providers via APIs and/or other methods of integration to enable them to connect your Account with their services. Each such payment services provider will act as a data controller in relation to the data that we supply to it and can provide you a copy of its own privacy policy, which will govern that third party’s use of your personal data. 

Some of our Services or activities may be outsourced to third parties which will process your personal data (e.g. third party organisations that provide applications/functionality, data processing or IT services to us). We will share your personal data only to the extent necessary for the purposes defined in the relevant agreements.  We use standard contract clauses, rely on the European Commission’s adequacy decision about certain countries, and when applicable, conduct data protection impact assessment prior to processing which may potentially result in a high risk to your rights and freedoms. By using our Services you give us your consent to process your personal data in third countries, including outside the EEA or the UK. You have the right to obtain copies of the standard contractual clauses, a summary description of the security measures we put in place for your personal data processing in third countries and a list of subcontractors used for your personal data processing. Please send your request to and we will provide you with this information within one month.

How do we store and protect your data?

We take all necessary precautions to safeguard the privacy of your personal information. We use technical, contractual, administrative and physical security steps to protect your personal information. We adopted security measures such as restricted access, scanning, encryption, firewall to minimize the risk that your information may be lost, disclosed, misused, accessed without authorization, disclosed without authorization, or altered. 

Please be aware that no data transmission over the Internet or via email is completely secure and therefore we cannot guarantee the protection of all personal information in all cases. As such, we request that you understand the responsibility to independently take safety precautions to protect your own personal information. You agree that we shall not be liable for any information leakage and other losses caused by our gross negligence, including but not limited to hacker attack, power interruption, or unavoidable technical failure, to the maximum extent permitted by Law.

Also, please remember that materials posted to online forums such as bulletin boards or chat rooms are public, not secure, and may be viewed by anyone. Any personal information you post may be collected and used by anyone and may result in unsolicited messages from other parties.


We like to send you information about products and services of ours that we think you might like. If you have agreed to receive marketing, you may always opt out at a later date. You have the right at any time to stop us from contacting you for marketing purposes. If you no longer wish to be contacted for marketing purposes, please click on the unsubscribe link in the bottom of the marketing email and submit your request to unsubscribe.

What are your data protection rights?

We would like to make sure you are fully aware of all of your data protection rights. Every client is entitled to the following:

The right to access – You have the right to request us for copies of your personal data. We may charge you a reasonable fee for providing this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request us to complete the information you believe is incomplete within a reasonable limit.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions. However, you should understand that such restriction of the processing may prevent us from providing you with some of CREDITS Services.

The right to object to processing – You have the right to object that we process your personal data, under certain conditions. However, you should understand that such restriction of the processing may prevent us from providing you with some of CREDITS Services.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions. We may charge a reasonable fee for providing this service.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email:


Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our Website or Platform, we may collect information from you automatically through cookies or similar technology

For further information, visit

How do we use cookies?

We use cookies in a range of ways to improve your experience on our Website and Platform, including:

  • Keeping you signed in;

  • Understanding your habits and preferences when browsing CREDITS;

  • Analyzing our performance and verifying the effectiveness of online advertising.

We also use cookies as an element of security measures to protect access to your Account, including preventing fraudulent use of login credentials, and to protect our Website and Services generally. 

What types of cookies do we use?

There are a number of different types of cookies we use, including but not limited to:

  • Functionality – We use these cookies so that we recognize you on our Website and Platform and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used.

  • Advertising – We use these cookies to collect information about your visit, the content you viewed, the links you followed and information about your browser, device, and your IP address. We sometimes share some limited aspects of this data with third parties for advertising purposes. We may also share online data collected through cookies with our advertising partners. This means that when you visit another website, you may be shown advertising based on your browsing patterns on our website.

Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless you delete it before the expiry date; a session cookie, on the other hand, will expire at the end of your navigation session, when the web browser is closed.

How to manage cookies

Most browsers are preset to accept cookies. You can adjust your browser setting to prevent cookies or to notify you as soon as cookies are loaded. However, stopping all cookies might mean that you cannot access or use some features of CREDITS.

Privacy policies of other websites

Our Privacy Policy applies only to our Services. If you visit other third-party platforms or partner’s websites, apps via the links on CREDITS, you should agree with and abide by their separate and independent privacy policies. We are not responsible for the content or the activities therein, you should read their privacy policy.

Changes to our Privacy Policy

We keep our Privacy Policy under regular review and place any updates on this web page. You shall regularly review the Privacy Policy and pay attention to its revisions. If you do not agree with the revised content, you shall stop accessing CREDITS immediately. When an updated version of the Privacy Policy is released, your continued access to CREDITS means that you agree to the updated content and agree to abide by the updated Privacy Policy.

How to contact us

If you have any questions about  our Privacy Policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email us at:

How to contact the appropriate authority

Should you wish to report a complaint or if you feel that we have not addressed your concern in a satisfactory manner, you may contact the Information Commissioner’s Office in the UK. Alternatively, you can reach out to your National Data Protection Authority if you are resident of the EEA. Residents of other jurisdictions may contact their national data protection authority.

This site uses cookies in order to improve your user experience and to provide content tailored specifically to your interests. Detailed information on the use of cookies on this website is provided in our Privacy Policy. By using this website, you consent to the use of cookies. You can always deactivate cookies in commonly used browsers.