Privacy Policy

1Introduction

Cridi ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal data when you use our credit management platform.

2Data we collect

Account Data: Name, email address, phone number, business name, and password (encrypted).

Customer Data: Information you enter about your customers including names, phone numbers, credit amounts, and payment history.

Usage Data: Log data, device information, IP addresses, and how you interact with our platform.

Payment Data: Processed securely by our payment providers (Payzone, PayPal). We do not store full card numbers.

3How we use your data

• To provide and maintain our service
• To process payments and manage subscriptions
• To send WhatsApp reminders on your behalf
• To provide customer support
• To send service updates and important notices
• To improve our platform based on usage patterns
• To detect and prevent fraud or abuse

4Data sharing

We do not sell your data. We may share data with:

• Payment processors: Payzone, PayPal for transaction processing.
• WhatsApp/Meta: To send reminder messages via WhatsApp Business API.
• Cloud providers: For secure data storage and hosting.
• Legal authorities: When required by law or court order.

5Data security

We implement industry-standard security measures including:

• SSL/TLS encryption for all data in transit
• Encrypted database storage
• Regular security audits
• Access controls and authentication
• Regular backups

6Data retention

We retain your data for as long as your account is active. Upon account closure, we retain data for 30 days for export, then delete it permanently. We may retain anonymized data for analytics.

7Your rights

Under Moroccan law (Law 09-08), you have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your data
• Export your data
• Object to certain processing

Contact privacy@cridi.ma to exercise these rights.

8Cookies

We use essential cookies for authentication and session management. We may use analytics cookies with your consent to improve our service.

9Children's privacy

Our service is not intended for users under 18. We do not knowingly collect data from minors.

10Changes to this policy

We may update this policy from time to time. Material changes will be notified via email or in-app notification.

11Contact