Legal

Privacy Policy

Last updated: May 2026

Issued by Crelit Africa Ltd

At Crelit Africa Ltd ("Crelit", "we", "our", or "us"), we are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our platform, website, and services.

By using Crelit, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our services.

1. Information We Collect

We collect the following types of information when you use Crelit:

Personal Identification Information: Full name, email address, phone number, and date of birth.
Identity Verification Data: Government-issued ID, BVN (Bank Verification Number), and selfie/photo for KYC compliance purposes.
Financial Information: Bank account details, transaction history, wallet addresses, and payment records.
Device and Technical Data: IP address, browser type, device identifiers, operating system, and usage logs.
Communications: Messages sent to our support team and feedback submitted through the platform.

2. How We Use Your Information

We use the information we collect for the following purposes:

To create and manage your Crelit account
To process transactions, conversions, and payments
To verify your identity and comply with KYC and AML regulations
To send you important account updates and notifications
To improve our platform, products, and services
To detect and prevent fraudulent activity and unauthorized access
To respond to support requests and communications
To comply with applicable legal and regulatory obligations

3. How We Share Your Information

Crelit does not sell your personal information to third parties. We may share your information only in the following circumstances:

Service Providers: Trusted third-party partners who assist in operating our platform, such as payment processors, identity verification services, cloud infrastructure providers, and communication tools. These partners are contractually obligated to protect your data.
Legal Compliance: When required by law, court order, or regulatory authority, we may disclose your information to the relevant authorities.
Fraud Prevention: To protect against fraud, we may share information with relevant financial institutions or law enforcement agencies when necessary.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified in advance.

4. Data Storage and Security

Your data is stored on secure, encrypted servers. We implement industry-standard security measures including SSL encryption, two-factor authentication, and regular security audits to protect your information.

While we take every reasonable precaution to protect your data, no system is entirely immune to risk. We encourage you to use strong passwords and to keep your account credentials confidential.

5. Data Retention

We retain your personal data for as long as your account is active or as required by applicable law. When your account is closed, we may retain certain information for up to seven (7) years for compliance and legal purposes.

6. Your Rights

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

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Request deletion of your personal data
Withdraw consent where processing is based on consent
Request restriction of processing in certain circumstances
Lodge a complaint with a relevant data protection authority

To exercise any of these rights, please contact us at support@crelit.app.

7. Cookies and Tracking

Crelit uses cookies and similar tracking technologies to improve your experience on our platform. Cookies help us remember your preferences, analyze usage, and deliver a more personalized experience.

You can control or disable cookies through your browser settings. However, disabling cookies may affect certain features of our platform.

8. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party services you visit.

9. Children's Privacy

Crelit is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected data from a minor, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will notify you by email or through a prominent notice on our platform. Your continued use of Crelit after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your data, please contact us:

Email: support@crelit.app
Website: crelit.app
Company: Crelit Africa Ltd, Nigeria