Privacy Policy

Credee Corporation

CredeeApp is a trade name of Credee Corporation, registered extraprovincially in British Columbia, Canada (Registration No. A0138540).

1. Our approach to privacy

1.1 CredeeApp ("CredeeApp") is committed to protecting your privacy. This privacy policy sets out how we collect, store, process, transfer, share and use data that identifies or is associated with you ("personal information") and information regarding our use of cookies and similar technologies. This Privacy Policy is intended to comply with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (Canada) ("PIPEDA") and, where applicable, substantially similar provincial legislation.

1.2 CredeeApp is a software platform owned and operated by Credee Corporation. The CredeeApp platform is made available through our website at https://credeeapp.ca, related applications, and other products and services we may make available from time to time (together, the “CredeeApp Service”).

1.2 (a) Quebec Residents

For residents of Québec, this Privacy Policy is also intended to comply with the Act Respecting the Protection of Personal Information in the Private Sector (Québec), as amended by Law 25 (Bill 64).

Quebec residents have the following additional rights:

The right to data portability (to receive your personal data in a commonly used technological format)
The right to request that automated decisions affecting them be reviewed by a person
The right to request that personal information collected from them be de-indexed from any technology that makes it publicly available

To exercise these rights, contact us at support@credeeapp.ca

1.3 This Privacy Policy applies to the personal data processed in connection with the CredeeApp Service.

1.4 Please read this Privacy Policy carefully before using the CredeeApp Service. It explains how we process personal data and the rights available to you under applicable data protection laws. Where consent is required by law, we will request it separately.

2. Personal Information We Collect About You and How We Use It

2.1 Information you provide to us

We collect personal data that you voluntarily provide to us when you:

create an account or subscribe to the CredeeApp Service;
complete forms on our website;
communicate with us by email, phone, or other means;
use features of the Service, including account setup, billing, or customer management tools; or
participate in surveys, promotions, or support requests.

This may include your name, email address, contact details, business information, and any other information you choose to provide.

2.2 Failure to provide data

Where we require personal data to provide the Service, and you do not provide such data, we may not be able to provide the Service or respond to your requests.

2.3 Information received from third parties

We may receive personal data about you from:

Subscribers (for example, where you are added as an Authorized User or client);
third-party service providers, including payment processors (such as Stripe), analytics providers, hosting providers, and technical partners;
publicly available sources or other services you interact with.

Such data is processed in accordance with applicable law and, where relevant, your agreements with those third parties.

2.4 Legal basis for processing

We process personal data only where we have a valid legal basis to do so under applicable data protection laws, including:

performance of a contract (to provide the Service);
compliance with legal obligations;
legitimate interests (such as improving our Service, ensuring security, and preventing fraud), provided such interests are not overridden by your fundamental rights and freedoms; and
consent, where required under applicable law.

Where processing is based on legitimate interests, we carry out appropriate assessments to ensure that such processing is fair, necessary, and proportionate.

2.5 Automatically collected information

We automatically collect certain technical and usage information when you access or use the Service, including:

IP address;
device type, browser type, and operating system;
usage data, logs, and interaction data;
cookies and similar technologies (see Section [Cookies]).

2.6 Combining information

We may combine personal data collected from different sources to improve the functionality, security, and user experience of the Service.

2.7 Aggregated and anonymised data

We may anonymise and aggregate personal data so that it no longer identifies any individual. Such data may be used for analytics, research, service improvement, and business purposes, and may be shared with third parties.

2.8 Payment-related data (Stripe compliance)

Where you use payment-related features within the Service:

payment processing is carried out by third-party providers such as Stripe;
we do not store or process full payment card details;
we may receive limited transaction data (such as payment status, amounts, and identifiers) from the payment provider;
such data is used solely for billing, reconciliation, fraud prevention, and compliance purposes.

2.9 Controller and Processor roles

Credee Corporation acts as a data controller for personal data processed for its own business purposes (such as account management, billing, and support).
Where personal data is processed on behalf of Subscribers through the Service, Credee Corporation acts as a data processor and processes such data only in accordance with the Subscriber’s instructions.

2.10 Financial and Payment Compliance

Credee Corporation does not provide regulated financial services and does not act as a payment institution, e-money institution, or financial intermediary.

All payment processing, settlement, and handling of funds are performed by authorised third-party payment providers (such as Stripe) in accordance with their regulatory obligations.

Subscribers are solely responsible for ensuring compliance with any financial, tax, or regulatory requirements applicable to their use of payment features.

2.11 Data minimisation

We collect and process only the personal data that is necessary for the purposes described in this Privacy Policy and in accordance with the principle of data minimisation under applicable data protection laws.

3. Disclosure of Your Personal Information

3.1 Sharing with service providers and partners

We may share your personal data with:

companies within our corporate group (including affiliates and subsidiaries); and
trusted third-party service providers who assist us in operating the Service.

Such third parties may include:

(a) business partners, vendors, suppliers, and subcontractors who provide services such as hosting, infrastructure, customer support, and technical operations;

(b) analytics providers and search engine providers that help us improve and optimize the Service;

(d) payment service providers, including Stripe Payments or its affiliates (“Payment Processor”), for the purpose of processing payments, fraud prevention, and compliance with financial regulations.

These third parties are permitted to use personal data only as necessary to provide services to us and are subject to contractual obligations to protect personal data in accordance with applicable data protection laws.

Credee Corporation remains responsible for ensuring that appropriate safeguards are in place where personal data is processed on its behalf.

We may maintain a list of key subprocessors used in delivering the Service, which may be made available upon reasonable request.

3.2 Payment processing (Stripe-specific transparency)

Where payment functionality is used:

payment transactions are processed directly by the Payment Processor (e.g., Stripe);
personal and financial data required to process payments may be shared with the Payment Processor;
such processing is governed by the Payment Processor’s own privacy policy and terms; and
Credee Corporation does not store or have access to full payment card details.

3.3 Legal disclosures

We may disclose personal data where required to do so by law or where we reasonably believe such disclosure is necessary to:

comply with legal obligations, court orders, or regulatory requirements;
enforce our Terms and other agreements;
prevent fraud, financial crime, or security threats; or
protect the rights, property, or safety of Credee Corporation, our users, or others.

This may include sharing information with law enforcement agencies, regulators, or fraud prevention organisations.

3.4 Public forums and user-generated content

Our Service may include publicly accessible areas (such as blogs, forums, or social media features). Any information you submit in such areas may be publicly visible and may be collected or used by others.

If you wish to request removal of your personal data from such areas, please contact us at support@credeeapp.ca. We will assess such requests in accordance with applicable law, although removal may not always be possible.

3.5 Testimonials and endorsements

With your consent, we may publish testimonials or reviews on our website. You may request the update or removal of your testimonial at any time by contacting us at support@credeeapp.ca.

3.6 Business transfers

We may disclose personal data to third parties in connection with a business transaction, including a merger, acquisition, restructuring, or sale of assets.

If such a transaction occurs, personal data may be transferred as part of the transaction. Where required, we will notify you of any change in ownership or control and inform you of any choices you may have regarding your personal data.

3.7 Data controller and processor roles

Credee Corporation acts as a data controller for personal data processed for its own purposes (such as account management, billing, support, and compliance).

Where personal data is processed on behalf of Subscribers through the Service, Credee Corporation acts as a data processor and processes such data only in accordance with the Subscriber’s documented instructions.

4. Marketing and advertising

4.1 Marketing communications

From time to time we may contact you with relevant information about the CredeeApp Service and our other products and services. Most messages will be sent electronically. For some messages, we may use personal information we collect about you to help us determine the most relevant information to share with you. Where required by applicable law, including Canada's Anti-Spam Legislation (CASL), we will obtain your consent before sending commercial electronic messages and will include an unsubscribe mechanism in such communications.

4.2 Opt-out and withdrawal of consent

If you do not want to receive such messages from us, you will be able to tell us by selecting certain boxes on forms we use when we first collect your contact details. You can also change your marketing preferences at any time by accessing your account settings at credeeapp.ca or by emailing support@credeeapp.ca

4.3 Service-related communications

We may send you service-related communications that are necessary for the operation of the Service, including account notifications, billing updates, security alerts, and service announcements.

5. Storing and transferring your personal information

5.1 Security. CredeeApp has implemented administrative, technical, and physical safeguards to protect its and its customers' information. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Service, you are responsible for keeping this password confidential. Subscribers should not share their password with anyone.

5.2 While no transmission of information via the internet is completely secure, we take reasonable measures to protect your personal information. We cannot guarantee the security of your personal information transmitted to our Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

5.3 We implement appropriate technical and organizational measures to protect your data. Please note that your information may be stored or processed on servers located outside of Canada (e.g., in the United States). While in another jurisdiction, your personal information may be subject to the laws of that jurisdiction and accessible to law enforcement and national security authorities.

5.3(a) Data Breach Notification

In the event of a breach of security safeguards involving personal information that poses a real risk of significant harm to individuals, Credee Corporation will:

Notify affected individuals as soon as reasonably possible
Report the breach to the Office of the Privacy Commissioner of Canada (OPC) without unreasonable delay
Maintain a record of all security breaches involving personal information
Take immediate steps to contain and mitigate the breach

Notifications will be sent to the email address associated with your account or by other appropriate means.

5.4 Third-party hosting and infrastructure

We may use third-party service providers (including cloud infrastructure providers) to host and process personal data. Such providers are contractually required to implement appropriate security measures and to process personal data only in accordance with our instructions.

5.5 Data retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including to comply with legal, regulatory, and contractual obligations, and to resolve disputes.

6. Retaining Your Information

6.1 Retention period

Credee Corporation will retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including to:

provide and maintain the Service;
comply with legal, regulatory, accounting, and reporting obligations;
resolve disputes and enforce our agreements; and
prevent fraud and ensure the security of the Service.

6.2 Determining retention periods

In determining appropriate retention periods, we take into account:

the nature, scope, and purpose of the processing;
the type and sensitivity of the personal data;
the potential risk of harm from unauthorized use or disclosure; and
applicable legal and regulatory requirements.

6.3 Account and service data

Where you have an account with us, we will generally retain your personal data for the duration of your account and for a reasonable period thereafter to comply with legal obligations and support business operations.

6.4 Payment and transaction data

Certain data related to payments and transactions may be retained for longer periods where required by applicable financial, tax, or anti-fraud regulations. Payment processing providers (such as Stripe) may retain data in accordance with their own legal and regulatory obligations.

6.5 Deletion and anonymisation

When personal data is no longer required for the purposes for which it was collected, we will securely delete or anonymise such data in accordance with applicable laws and our internal data retention policies.

7. Your rights

7.1 In accordance with applicable Canadian privacy laws, you have the right to:

Request access to the personal information we hold about you
Request correction of inaccurate or incomplete personal information
Withdraw consent to our processing of your personal information, subject to legal or contractual restrictions and reasonable notice
Request deletion of your personal information, subject to our legal retention requirements
Know the names of third parties to whom your personal data has been disclosed
File a complaint with the Office of the Privacy Commissioner of Canada (OPC) at www.priv.gc.ca
Be informed about automated decision-making processes that significantly affect you

7.2 If you wish to exercise one of these rights, please contact us using the contact details at the end of this privacy policy. Upon request, we will provide you with information about whether we hold any of your personal information. We may request that you verify your identity prior to transferring personal information. You may access, correct or request deletion of your personal information by logging into your CredeeApp Service account. We will respond to your request within 30 days.

7.3 Under Canadian privacy laws (PIPEDA), you have the right to challenge our compliance with these principles. If you are not satisfied with our response to your privacy concerns, you may contact the Office of the Privacy Commissioner of Canada (OPC).

8. Cookies and similar technologies

8.1 Our Service uses cookies and similar technologies (collectively referred to as cookies) to distinguish you from other users of our Service. This helps us to provide you with good service. This helps us enhance and personalize your user experience, to monitor and improve our Website and services, and for other internal purposes. As is true of most websites, we gather certain information automatically.

Where required by applicable Canadian law, we will request your consent before placing non-essential cookies on your device. You may withdraw your consent at any time by:

Adjusting your browser settings to block or delete cookies
Using our cookie preference tool available on our website
Contacting us at support@credeeapp.ca

Please note that blocking essential cookies may affect the functionality of the Service.

8.2 We use the following types of cookies:

Strictly necessary cookies. These cookies are required for the essential operation of our Service such as to authenticate you and prevent fraudulent use.
Analytical/performance cookies. These cookies allow us to recognize and count the number of visitors and to see how visitors move around our Service when they are using it. This helps us to improve the way our Service works, for example, by ensuring that you can find information easily.
Functionality cookies. These cookies are used to recognize you when you return to our Service. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our Service, the pages you have visited and the links you have followed. We will use this information to make our Service and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

8.3 Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

8.4 You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including strictly necessary cookies) you may not be able to access all or parts of our site.

8.5 Social Media. Our Website includes social media features, such as Facebook Like button and widgets such as the Share button. These features may collect your IP address, which page you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features and widgets are hosted on our site or by a third party, and your interactions with these features are governed by the privacy policy of the company providing it.

9. Links to Third-Party Sites

9.1 Third-party websites

The Service may contain links to third-party websites or services that are not owned or controlled by Credee Corporation.

If you access or follow a link to any third-party website, please note that such websites operate independently and have their own privacy policies and terms. Credee Corporation does not control and is not responsible for the content, security, or privacy practices of such third-party websites.

We recommend that you review the privacy policies of any third-party websites before providing any personal data to them.

9.2 Embedded content and framing

Some pages of our Service may include embedded content or framing provided by third-party partners or services. Where such features are used, personal data may be collected directly by the relevant third party.

In such cases, your interaction with the embedded content or third-party service is governed by the privacy policy of the respective third party, and not by this Privacy Policy.

10. Our Policy Towards Children

10.1 Age restriction

The Service is not directed to individuals under the age of 18, and Credee Corporation does not knowingly collect or process personal data relating to children under 18 in its capacity as a data controller.

10.2 Inadvertent collection

If we become aware that personal data relating to a child under the age of 18 has been collected without appropriate authorisation or legal basis, we will take appropriate steps to delete such data as soon as reasonably practicable.

10.3 Notification

If you believe that a child has provided personal data to us, please contact us using the contact details provided in this Privacy Policy so that we can investigate and take appropriate action in accordance with applicable data protection laws.

11. Changes to this policy

11.1 We may update this privacy policy from time to time and so you should review this page periodically. When we change this privacy policy in a material way, we will update the "last modified" date at the end of this privacy policy. Changes to this privacy policy are effective when they are posted on this page.

12. Notice to you

12.1 If we need to provide you with information about something, whether for legal, marketing or other business related purposes, we will select what we believe is the best way to get in contact with you. We will usually do this through email or by placing a notice on our Website. The fact that we may send notices to you will not stop you from being able to opt out of certain types of contact as described in this privacy policy.

13. Contacting Us

13.1 Contact details

If you have any questions, concerns, or requests regarding this Privacy Policy or the processing of your personal data, you may contact us at:

Email: support@credeeapp.ca

Address: 777 Hornby Street, Vancouver, V6Z 1S4, British Columbia,Canada

We will respond to your request in accordance with applicable data protection laws.

13.2 Data Protection Contact

For data protection-related queries, you may contact our Data Protection team at:

Email: support@credeeapp.ca

Phone: +1 (604) 998-8808

Address: 777 Hornby Street, Vancouver,
V6Z 1S4, British Columbia, Canada

14. Privacy Policy for SMS Communication

14.1 Credee Corporation does not share, sell, or rent SMS opt-in data or phone numbers to any third parties for marketing purposes.

14.2 SMS communications are sent only to users who have provided express consent in accordance with Canada's Anti-Spam Legislation (CASL).

14.3 Message frequency: 1-2 SMS messages per day.

14.4 Message and data rates may apply depending on your mobile carrier and plan.

14.5 To manage your SMS preferences at any time:

Reply STOP to any SMS message to opt-out of all future messages
Reply HELP for assistance
Contact us at support@credeeapp.ca
Call us at +1 (604) 998-8808

14.6 Withdrawal of consent will not affect the lawfulness of any messages sent prior to such withdrawal.

14.7 For more information about our SMS communications, visit our Terms and Conditions at https://credeeapp.ca/terms-conditions

CredeeApp Privacy Policy

Privacy Policy