Privacy Policy

1. Introduction

Credit Lenses ("we", "us", or "our") is committed to protecting the privacy of individuals who visit our website and use our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access our platform.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, and other details you provide when submitting forms or contacting us.
• Financial Data: Bank transaction data accessed through Open Banking (CDR) APIs, processed solely for credit risk analysis on behalf of our clients.
• Usage Data: Information about how you interact with our website, including IP address, browser type, pages visited, and access times.
• Cookies: Small data files stored on your device to improve your browsing experience.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our services.
• Process and analyse financial data for credit risk profiling.
• Respond to enquiries and provide customer support.
• Improve our platform, products, and user experience.
• Comply with legal and regulatory obligations, including the Consumer Data Right (CDR) framework.

4. Data Sharing and Disclosure

We do not sell your personal information. We may share data with:

• Service Providers: Trusted third parties who assist in operating our platform (e.g., cloud hosting, analytics).
• Clients: Aggregated and anonymised risk profiles delivered to our business clients as part of our service.
• Legal Authorities: When required by law, regulation, or legal process.

5. Data Security

We implement industry-standard security measures including encryption in transit and at rest, access controls, and regular security audits. While no method of transmission over the internet is 100% secure, we strive to protect your personal information to the fullest extent possible.

6. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations. Financial data processed through CDR is handled in accordance with the CDR data retention requirements.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data.
• Object to or restrict certain processing activities.
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us at info@creditlenses.com.

8. Third-Party Links

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

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Credit Lenses
Email: info@creditlenses.com