1. General

Creditco UAB offer their customers products and services involving electronic payment transactions. The objective is to enable companies and consumers worldwide to handle electronic transactions securely and smoothly. Security and the protection of personal data is one of the most important aspects in the context of handling and processing of payments. This is why we place particular emphasis on high data protection standards. Creditco UAB (“Creditco”, “we”) operates this website in accordance with the provisions of the European General Data Protection Regulation 2016/679 (“GDPR”) and all other provisions with relevance in the area of data protection law.

2. Contact us

The data controller of your personal data is Creditco UAB, Raitininku str, 2c-5, LT-09232 Vilnius, Lithuania. If you have any questions about how we collect, store and use your personal information or would like a copy of the information we hold about you, then please contact our Data Protection Officer. You can either write at the above address or e-mail to: compliance@creditco.lt.

3. What is this website about?

On this website, you will find information about our products and services. The objective is to enable companies and consumers worldwide to handle electronic payments securely and smoothly. Security and protecting personal data are two of the most important aspects of handling and processing payments. So the Creditco has high standards for data protection.

4. Cookies

Cookies are small text files which are stored locally in your internet browser‘s cache memory, in order to be able to recognise it.
Creditco uses:

_ga

• Purpose: This cookie helps us to understand general user behavior on our website better. We use this cookie from Google Ads purely to improve the performance of our ad placements. As soon as you reach a target predefined by us, the result will be evaluated statistically. This enables us to focus on providing higher-quality ads. Your data will only be collected anonymously. So we are not able to link this information directly to you.
• Category: Third-party cookie
• Storage period: 2 years
• More information: Google Analytics guidelines: https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage?hl=en-US

5. Processing of personal data and other data by Creditco during visits of our website
5.1 Information we automatically collect when you access our website No personal data will be collected, since the IP address is truncated before collection.
5.2 Information you provide by intentionally contacting us We offer a contact form on our website. Creditco will store the personal data provided by you when you send the completed contact form (e.g. name, address, telephone number, e-mail address) in its Customer Relationship Management System („CRM System“). Creditco will use such personal data
• to respond to your contact request;
• in order to prevent and identify abuse or fraud. The data collected via the contact form will not be forwarded to third parties.


5.3 Transfer of your personal data Your personal data will be used only to the extent necessary to achieve the purposes named in this data privacy statement. Your data will be forwarded to third parties, if at all, only within the limits of statutory regulations. Personal data will be forwarded to government institutions and authorities only within the limits of compulsory national legal provisions, or if those data must be forwarded for legal or criminal prosecution because abusive or fraudulent actions have been committed.

6. International data transfer

If necessary under clause 5, Creditco will transmit your personal data to business partners, service providers and other companies which are located outside the European Economic Area (EEA). However, if we process your personal data outside the EEA, we take suitable measures which guarantee an adequate level of data protection.

7. Data retention

We store your personal data for as long as it is needed to fulfil the purpose for which they were collected notwithstanding any statutory retention obligations, in particular according to tax or accounting law.

8. Data safety

In order to protect the personal data against loss, falsification or disclosure to unauthorised third parties, we have taken adequate organisational, technical and administrative measures. Creditco uses firewalls in order to prevent unauthorised access to servers. The servers are located at a safe location in Lithuania to which only authorised staff have access. All staff members and all persons involved in the processing of data are subject to an obligation to comply with all laws relating to data protection, and to treat personal data confidentially.

9. Data subjects rights

Under GDPR, visitors as data subjects have certain rights in particular the right to access, correct, update, or request deletion of your personal data that we store about you. If you wish to exercise any of these rights, you can do so at any time by contacting us via compliance@creditco.lt. You can object to processing of your personal data, ask us to restrict processing of your personal data or request portability of your personal data. Again, you can exercise these rights by contacting us via compliance@creditco.lt. Similarly, if we have collected and processed your personal data with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal data conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal data. For more information, please contact us at the above e-mail address. Our data protection officer can be reached under compliance@creditco.lt.

Last updated on 29.07.2020