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Privacy Policy

Your security and privacy, at the heart of our technology

Effective Date: March 1, 2026

1. Introduction.

Qredet (“we,” “our,” or “us”) is committed to protecting your privacy. This policy explains how we collect, use, store, and protect your data when you use our services (website, mobile applications, and associated tools). By accessing our Service, you agree to the practices described here, designed in compliance with Ivorian Law No. 2013-450 (ARTCI), WAEMU frameworks, and GDPR principles.

2. Definitions and Key Terms.

  • Company: Qredet Digital SARL, BP 06 2452, II Plateau, Abidjan 06, Côte d’Ivoire.
  • Country: Côte d’Ivoire, the territory where our activities are regulated by the ARTCI.
  • Client: Any business, organization, or individual who signs up for Qredet services.
  • Personal Data: Any information identifying an individual (name, email, biometrics, etc.).
  • Third-Party Services: External partners (hosting, payments, analytics, KYC) integrated into Qredet.
  • You: The individual or entity accessing or using Qredet services.

3. Our Ecosystem: Qredet & UBA

To provide a legal and secure financial service, we operate with:

  • The Publisher: Qredet Digital SARL provides the technology.
  • The Banking Partner: UNITED BANK FOR AFRICA (UBA) Côte d’Ivoire (License No. A0150H).
    Your identification data (KYC) is securely transmitted to UBA for the opening and management of your electronic wallet.

4. What Information Do We Collect and When?

4.1 Information You Provide

We collect data when you create an account, make a purchase, contact support, or participate in a survey: Full name, username, email, phone number, billing/mailing address, payment references, and encrypted credentials.

4.2 Automatic Collection (Cookies & Logs)

During your interactions, we collect: IP address, general location, device type, OS, browser, logging data (sessions), usage patterns, and performance indicators.

4.3 Mobile Access & Optional Information (With Consent)

The app may access GPS (security), Contacts (P2P transfers), and Camera/Gallery (QR codes and documents). You can revoke these permissions at any time.

4.4 Sensitive Information, Biometrics, and TrueDepth

Used strictly for identity verification (KYC) and fraud prevention. This data remains on your device and is never used for marketing purposes.

5. Tracking Technologies

Qredet uses specific technologies to improve your experience and service security:

  • Google Maps API: Used for geolocation services, displaying maps, and address searches. Usage is governed by Google’s Privacy Policy.
  • Local Storage (DOM Storage): Allows the app to store specific data on your device for faster access. This data is not transmitted in standard HTTP headers.
  • Session Tracking: Temporarily stores browsing habits to improve app responsiveness. Session data is deleted upon logout or closing the app.

6. Legal Basis and Data Use

We process your data based on: your consent, contract performance, our legal obligations (AML/CFT), and our legitimate interests (security).

7. Sharing and Third-Party Services

We share limited information with authorized providers (UBA, hosting, analytics). They are contractually bound to confidentiality. We never sell your data.

8. Communication and Email

You will receive transactional messages (receipts, security). Marketing messages will only be sent if you have opted in. You can unsubscribe at any time.

9. How Do We Protect Your Information? (Security)

  • TLS/SSL Encryption in transit and at rest.
  • PCI DSS Compliance for payments.
  • Strict Access Control and continuous vulnerability monitoring.
  • Incident Response with notification to users and ARTCI if necessary.

10. Retention and International Transfers

Data is kept while the account is active, then for 5 to 10 years after closure (legal obligations). Transfers outside Côte d’Ivoire are secured by Standard Contractual Clauses (SCCs).

11. Links to Other Websites

We accept no responsibility for the content or practices of third-party sites linked on our platform. Please review their own policies.

12. Advertising and Remarketing

We may use remarketing to offer you tailored deals, subject to your prior consent. No banking or transactional data is used for this targeting. You can opt-out via your device settings.

13. Your Rights

You have the right to access, correct, request deletion (“right to be forgotten”), restrict processing, or request data portability. Contact: support@qredet.com.

14. Special Cases

  • Children: The service is prohibited for those under 13.
  • Business Transfer: In the event of a company sale, your data is transferred to the successor under the same guarantees.

15. Governing Law and Contact

This policy is governed by the laws of Côte d’Ivoire and supervised by the ARTCI.

Qredet Digital SARL | BP 06 2452, II Plateau, Abidjan 06 | support@qredet.com

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