PRIVACY POLICY
Last Updated: October 3, 2024
At Total Credit Plus, we take the privacy of our users very seriously. This Privacy Policy describes how we collect, use, share, and protect your personal information when you access or use our services, website, mobile applications, or other digital platforms.
We encourage you to read this Privacy Policy carefully to understand how we handle your personal data.
1. Information We Collect
When you use Total Credit Plus' services, we may collect the following information:
1.1 Personally Identifiable Information:
-Full name
-Date of birth
- Physical address
- Phone number
- Identification number (e.g. passport, identity card or equivalent)
1.2 Financial Information:
- Bank account or payment card information.
- History of transactions made with the Total Credit Plus card.
- Details on relevant income and financial activities.
1.3 Technical Information:
-IP address
- Browser type and device
- Cookie Information
- Geolocation data (if enabled)
1.4 Information Collected from Third Parties: We may receive additional information about you from third parties, such as credit checking agencies, to confirm your identity or financial qualification.
2. How We Use Your Information
We use the information collected for the following purposes:
2.1 Provision of Services:
- Issue and manage your Total Credit Plus prepaid card.
- Process transactions and payments made with the card.
- Facilitate the sending and receiving of remittances and transfers.
2.2 Improving Our Services:
- Analyze usage patterns to improve the quality and functionality of our products.
- Conduct satisfaction surveys and analyze user feedback.
2.3 Security and Compliance:
- Verify your identity to prevent fraud and unauthorized activity.
- Comply with local regulations, applicable laws, and financial institution requirements.
2.4 Marketing and Communications:
- Send you promotions, news, and updates about products and services that may be of interest to you.
- Personalize your experience on our platform through recommendations based on your usage history.
3. How We Share Your Information
We do not sell or rent your personal information to third parties. However, we may share your information with:
3.1 Service Providers: We share information with third parties who perform services on our behalf, such as payment processing, hosting services, or customer support. These providers may only access your information to carry out the tasks we have assigned to them, and they must protect your information in accordance with this Privacy Policy.
3.2 Financial Institutions and Banks: If necessary, we share data with banking or financial institutions to process your transactions and comply with industry regulations.
3.3 Legal Compliance: We may disclose your information when required to do so by law or to comply with a court or government order.
4. Information Protection
We implement technical and organizational security measures to protect your personal information from unauthorized access, loss, theft, or alteration. These measures include:
- Data encryption during transmission.
- Restricting access to personal information to authorized employees only.
- Internal and external security audits.
5. Your Rights
5.1 Access and Rectification: You have the right to access and correct the personal information we have collected about you. You can update your details by logging into your account or by contacting us directly.
5.2 Data Deletion: You may request deletion of your personal information at any time, subject to our legal retention obligations.
5.3 Restriction of Processing: You have the right to request that we limit the use of your information, except where it is necessary for the provision of our services or compliance with laws.
5.4 Withdrawal of Consent: If you have provided your consent to data processing, you may withdraw it at any time without affecting the lawfulness of the processing based on prior consent.
6. Cookies and Similar Technologies
We use cookies and similar technologies to improve your experience on our platform, analyze site usage, and deliver personalized advertising. You can manage cookie preferences through your browser or device settings.
7. Data Retention
We will keep your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including complying with our legal obligations, resolving disputes, and enforcing our agreements.
8. International Data Transfer
If you use our services from outside [Country], your information may be transferred to and stored on servers located in other countries. We ensure that such transfer complies with applicable data protection laws.
9. Updates to this Policy
We may update this Privacy Policy at any time to reflect changes in our practices or applicable laws. We will notify you of any material changes by means of a notice on our platform or by email.
10. Contact
If you have any questions, concerns, or requests regarding this Privacy Policy, you can contact us at: customerservice@totalcreditplus.com