Privacy Policy

Effective Date: July 10, 2025

Kreditzen ("the App") is operated and commercialized by Novathinks LLC, a Florida company and a subsidiary of RDS3MSolutions LLC, a Delaware company ("RDS3MSolutions"). RDS3MSolutions is the developer and owner of Kreditzen. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use Kreditzen. If you have any questions or concerns, please contact us at: contact.us@novathinks.com

1. Information We Collect

Personal Information: Such as your name, email address, phone number, and other identifiers you provide when registering or using the App.
Financial Information: Credit card data, transaction history, and payment information.
Usage Data: Information about how you use the App, including device information, IP address, browser type, and usage patterns.

Handling of Financial Information

In the current version of Kreditzen, all financial information, including credit card data, is entered manually by the user. We do not access, collect, or automatically process banking or credit card information through third-party integrations. We do not store sensitive information such as full card numbers or security codes.

Note about future integrations: In future versions, we may integrate third-party services, such as Plaid, to enable automatic connection with bank accounts or credit cards. If this occurs, we will update our privacy policy and terms of use, and we will request explicit user consent before collecting or processing any additional information.

2. How We Use Your Information

We use your information to: Provide, operate, and maintain Kreditzen. Improve and personalize your experience. Communicate with you, including for customer support. Comply with legal obligations and protect our rights.

3. Sharing Your Information

We do not sell your personal information. We may share your information with: Service Providers: Third parties who help us operate and improve the App. Legal Requirements: If required by law or to protect our rights and users. Business Transfers: In connection with a merger, acquisition, or sale of assets.

4. Cookies and Tracking Technologies

We may use cookies and similar technologies to enhance your experience and analyze usage. You can adjust your browser settings to manage cookie preferences.

Privacy & Security

We implement reasonable security measures to protect your information. However, no method of transmission over the Internet or electronic storage is 100% secure.

6. Data Retention

We retain your data while your account is active or as necessary to provide services. You may request data deletion at any time by contacting us.

7. Your Rights and Choices

Depending on your location, you may have rights regarding your personal information, such as accessing, correcting, or deleting your data. To exercise these rights, contact us at contact.us@novathinks.com.

8. Children's Privacy

Kreditzen is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by updating the date at the top of this policy.

10. California Privacy Rights (CCPA)

If you are a California resident, you have the right to request information about our collection and use of your personal information, and to request deletion of your data. To exercise these rights, contact us at contact.us@novathinks.com.

Contact

For privacy questions, contact us at: contact.us@novathinks.com