Introduction

At Credit One Holding, we are committed to protecting your personal data and privacy. This Privacy Policy explains how we collect, use, store, and safeguard your information when you interact with our website, subsidiaries, and services. Our goal is to ensure transparency and maintain the highest standards of confidentiality and integrity in compliance with applicable laws and regulations in the State of Kuwait.

By using our website or engaging with any of our services, you acknowledge and agree to the terms of this Privacy Policy.

Information We Collect

We collect personal and business information necessary to deliver our financial and customer services effectively. This may include:

• Personal details such as name, civil ID, contact number, and email address.
  
• Company or commercial details such as license number, authorized signatures, and financial records (for corporate clients).
  
• Information collected automatically from website usage, such as browser type, IP address, and cookies, for analytics and performance optimization.
  

We only collect information that is relevant and required to process your requests, assess applications, or improve our services.

How We Use Your Information

Your information is used strictly for business and service purposes, including:

• Processing applications for financing, leasing, or other services.
  
• Verifying identity and preventing fraudulent activity.
  
• Managing customer relationships and providing after-sales support.
  
• Complying with legal and regulatory obligations under Kuwaiti law and Islamic finance guidelines.
  
• Improving our digital experience and understanding customer needs.
  

We do not sell, rent, or share your personal data with third parties except as required by law or with your explicit consent.

Data Storage and Protection

We implement industry-standard security measures to protect your information from unauthorized access, alteration, or disclosure. Your data is stored securely within our systems and, where necessary, on servers managed by our trusted service providers under strict confidentiality agreements.

We retain your data only for as long as necessary to fulfill the purposes described in this policy or as required by law.

Your Rights

You have the right to:

• Access and review the personal data we hold about you.
  
• Request correction or updating of inaccurate or outdated information.
  
• Withdraw consent to the processing of your personal data (where applicable).
  
• Request deletion of your personal data, subject to legal and contractual obligations.
  

For any such requests, you may contact us through the dedicated contact page.

Cookies and Digital Tracking

Our website may use cookies to enhance your browsing experience, analyze site performance, and improve our content. You may choose to disable cookies through your browser settings; however, this may affect certain website functionalities.

Sharing of Information

We may share your information with:

• Our subsidiaries and affiliates for the purpose of delivering integrated services.
  
• Regulatory or government authorities where disclosure is legally required.
  
• Authorized third-party vendors providing technical, administrative, or marketing support under strict data protection agreements.
  

Changes to This Privacy Policy

Credit One Holding may update or modify this Privacy Policy periodically. Any material changes will be posted on our website and, where appropriate, communicated through official channels. We encourage you to review this page regularly to stay informed of how we protect your data.