Privacy Policy

Last Updated: June 2026

Credo respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect information when you use the Credo platform, including our WhatsApp bot, web application, and related services.

1. Information We Collect

We may collect the following information:

Name and contact information, including your phone number and email address;
Group membership information;
User profile information you choose to provide;
Savings, shares, loans, repayments, fines, and other financial records entered into the platform;
Messages and interactions with the Credo WhatsApp bot;
Technical information such as login activity, device information, and system logs.

2. How We Use Your Information

We use your information to:

Provide and operate the Credo platform;
Manage group memberships and user accounts;
Record and process group financial activities;
Generate reports and account summaries;
Communicate important service information;
Improve platform performance, reliability, and security;
Comply with legal and regulatory obligations where applicable.

3. Information Sharing

Credo does not sell your personal information.

Information may be shared only with:

Authorized administrators and officers of groups you belong to;
Service providers that help operate the platform;
Government authorities or regulators where required by law;
Other parties when you have provided consent.

4. Data Security

We implement reasonable administrative, technical, and organizational measures to protect information against unauthorized access, disclosure, alteration, or destruction.

However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain information for as long as necessary to provide the service, maintain group records, comply with legal obligations, resolve disputes, and enforce our agreements.

Some financial records may be retained even after an account is closed where necessary to preserve the integrity of group records and audit trails.

6. Your Rights

Depending on applicable laws, you may have the right to:

Request access to your personal information;
Request correction of inaccurate information;
Request deletion of personal information where appropriate;
Withdraw consent where processing is based on consent;
Raise concerns regarding the handling of your information.

7. WhatsApp and Third-Party Services

Credo uses third-party services, including WhatsApp and Meta platforms, to deliver certain features. Your use of those services is also subject to their respective privacy policies and terms.

We are not responsible for the privacy practices of third-party platforms.

8. Children's Privacy

Credo is intended for use by adults and authorized group members. We do not knowingly collect personal information from children without appropriate authorization.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page together with the updated effective date.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact:

Credo Support
Email: info@nunumart.com

For information on how to request deletion of your account or personal data, please see our Data Deletion Policy.