PRIVACY POLICY CreditPug Technologies, Inc. PRIVACY POLICY

About This Policy
‍
This Privacy Policy (the "Policy") describes the information CreditPug Technologies, Ltd. collects about you, how we use and share that information, and the privacy choices we offer. This Policy applies to information we collect when you register for CreditPug, access or use our website, products, and services (collectively, the "Services"), or when otherwise interact with us.

The terms "CreditPug," "we," "us," or "our" mean CreditPug Technologies, Ltd. "You" or "your" means an individual who visits or uses our Services. The term "Site" includes (1) all websites and all devices or mobile applications operated by CreditPug that collect personal information from you and that link to this Privacy Policy; (2) pages within each such website, device, or mobile application; and (3) all pages that within each such website, device, or mobile application.  

2. Information We Collect and Disclose
‍
‍CreditPug collects personal information about you for a variety of purposes. During the past 12 months, we have collected the following categories of personal information from individuals:

• Personal Identifiers, such as a full name, postal address, email address, online usernames and passwords for third-party sites and internet services.
• Professional or employment-related information.
• Commercial information, such as products or services purchased, obtained, or used.Inferences based on information about an individual to create a summary about, for example, an individual’s preferences and characteristics.
• Bank account information, such as account numbers and transaction histories.During the past 12 months, we have also disclosed the categories of personal information listed above for our business purposes. We have not, however, sold personal information to third parties.
• During the past 12 months, we have also disclosed the categories of personal information listed above for our business purposes. We have not, however, sold personal information to third parties.

‍2.1 Third Party Credentials, Account Numbers and Other Account Information

‍When you use certain Services, we may collect from you usernames, passwords, account numbers, and other account information for third-party websites and Internet banking services (“Third-Party Sites”). This information is used to obtain your account, transaction, and other banking information from the relevant financial institution on your behalf in order to display the information to you or to fulfill your requests for certain products, services, or transactions through a Service. We use third-party service providers, such as Zūm Rails Inc. (“Zūm Rails”) to obtain this information.
By using our Services, you grant CreditPug and Zūm Rails the right, power, and authority to act on your behalf to access and transmit this information from the relevant financial institution. With respect to Zūm Rails, you agree to your personal and financial information being transferred, stored, and processed by Zūm Rails in accordance with Zūm Rails's privacy policy.​
‍
‍2.2 Information Collected by Cookies and Web Beacons

‍We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.​

‍2.3 Technical and Navigational Information

‍We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.

‍2.4 Device ID

‍When you use our mobile applications or the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data.​

‍3. How We Use Your Information

‍We may use the information you provide about yourself to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you.We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services.

‍4. How We Share Your Information

‍We may share personal information about you as follows:With third parties to provide, maintain, service and improve our Services.In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business.To respond to subpoenas, court orders, or legal process.

In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services.

the legal rights or physical safety of any person or the security of our network, Sites or Services.

To respond to claims that any posting or other content violates the rights of third parties.In an emergency, to protect the health and safety of our Sites’ users or the general public.As otherwise required by law.

‍5. How We Secure Your Information

‍We take your privacy and the security of your information very seriously, and have an information security program that includes administrative, technical, and physical measures to protect your information. Examples of measures we have taken to protect your information include, but are not limited to:The use of industry standard encryption while transmitting and storing information.Passwords are only known by you. No employee, contractor or Third-Party Site has access to your CreditPug password. We will never ask for your password through our customer service teams.​

‍6. Note on Communication

‍We may provide you with information and summaries of your accounts and Services through email. We may also allow you to subscribe to email newsletters and from time to time may transmit emails to you promoting CreditPug or third-party goods or services.Subscribers have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as information and summaries of your accounts and Services.

‍7. How to Update Your Information

‍If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information through our Site. Alternatively, you can send an email that includes your contact information to support@creditpug.com to request any corrections to your personal information.You may also email us if you wish to deactivate your Services, but even after you deactivate your Services, we may retain archived copies of information about you for a period of time that is consistent with applicable law.

‍8. How We Update Our Privacy Policy​

‍We reserve the right, at our discretion, to make changes to this Policy from time to time, so please review it frequently. You may review updates to our Terms of Use and Privacy Policy at any time via links on www.creditpug.com. You agree to accept electronic communications and/or postings of revised versions of this Policy on www.creditpug.com and agree that such electronic communications or postings constitute notice to you of the revised version of this Policy. Changes take effect immediately upon posting.

‍Last Updated: This Privacy Policy was last updated on December 30, 2024.