PRIVACY POLICY

LAST UPDATED: 2025

1. Overview and Scope

1.1 Overview
This policy and applicable supporting procedures are designed to provide Cladfy with a documented and formalized process for protecting individuals’ privacy. Respect for the privacy of personal and other information is fundamental to us. This privacy policy describes our collection of personal information from users of our Website ("Website" or "Site"), our Platform, as well as all related applications, widgets, software, tools, and other services provided by us and on which a link to this Policy is displayed (collectively, together with the Website, our "Service"). This Policy also describes our use and disclosure of such information. By using our Service, you consent to the collection and use of personal information in accordance with this policy.

1.2 Scope
This policy and supporting procedures cover the privacy of all data collected by Cladfy in its interaction with individuals in its business operations.

2. Roles and Responsibilities

The following roles and responsibilities are to be developed and subsequently assigned to authorized personnel within Cladfy regarding privacy practices:

  • Chief Privacy Officer: Provides overall direction, guidance, leadership, and support on methods and tools for implementing a security and privacy-related program.
  • Privacy Committee: Approves and monitors adherence to this policy, assesses privacy controls, and ensures compliance with privacy policies.

3. Personal Information

"Personal Information," as used in this policy, is information that specifically identifies an individual, such as an individual’s name, social security number, telephone number, or e-mail address.

4. Collection of Information

4.1 Passive Information Collection

When you use the Service, some information may be automatically collected, such as your IP address, browser type, system type, and more.

4.2 Collection of Voluntarily Provided Information

We may collect personal information such as name, e-mail address, city, state, country, and other demographic information provided by users.

4.3 Information from Other Sources

We may receive information about you, including personal information, from third parties and may combine this information with other data we maintain about you.

4.4 Bank and Mobile Money Statements

  • Cladfy automatically analyzes the statements to provide insights and assess creditworthiness.
  • Utilizes automated decision-making systems to identify spending patterns and financial behaviors.

5. Use of Personal Information

We use personal information to provide services, enhance security, prevent fraudulent activities, and improve user experience.

6. Disclosure of Personal Information

  • Third-party service providers may access information for operational purposes.
  • We may disclose information to law enforcement agencies when legally required.
  • Information may be shared in events of mergers, acquisitions, or insolvency.

7. Choice

Users may unsubscribe from marketing communications at any time by following the instructions in the emails or updating account settings.

The Site may contain links to third-party websites. We encourage users to review their privacy policies before providing personal information.

9. Children

Our Services are not directed to children under 18, and we do not knowingly collect their Personal Information without parental consent.

10. Security

Cladfy implements appropriate safeguards to protect personal information, ensuring security and compliance with privacy regulations.