Real estate and mortgage solution

Privacy Policy

Last updated on: 12.06.2025
At Kredium.org (“we,” “our,” “us”), we are committed to safeguarding your privacy. This Privacy Policy explains how we collect, use, and protect your personal data when you visit or interact with our Website.This policy applies only to www.kredium.org, which serves as an informational gateway to Kredium’s global presence. For services provided through our local platforms (e.g., kredium.com, kredium.ae, kredium.rs), please refer to the Privacy Policies published on those respective websites.

1. Information We Collect

We may collect and process the following types of information:

- Personal Information – including your name, email address, and contact details when you reach out to us or submit a CV via the Careers page.

- Usage Information – such as IP address, browser type, device characteristics, referral URLs, and pages visited.

- Cookies and Tracking Data – including user behavior collected via analytics tools and session tracking technologies.

2. How We Use Your Information

We use your information for the following purposes:

- To operate, maintain, and improve the Website

- To respond to your inquiries or contact requests

- To analyze visitor behavior and improve user experience

- To ensure Website functionality and security

- To fulfill legal and regulatory obligations

3. Cookies and Analytics

We use cookies and similar tracking technologies to enhance performance, understand user interactions, and optimize the Website.

Specifically, we use:

- Google Analytics – to collect anonymized data such as user behavior, session duration, referral sources, and device/browser types.

- Microsoft Clarity – to track anonymized session recordings, click paths, scroll depth, and heatmaps for usability analysis.

These tools may collect:IP address (where applicable, anonymized)

- Browser and device metadata

- Pages visited and interaction behavior

- Referrer URLs and time on site

Cookies can be managed or disabled through your browser settings. By using this Website, you consent to the placement of these cookies and the use of analytics tools.For more details:

- Google’s Privacy Policy

- Microsoft Clarity’s Privacy Statement

4. CV Submissions and Recruitment Data

If you submit your CV or personal details through our Careers page, we process this data exclusively for recruitment-related purposes, such as:

- Reviewing your qualifications

- Contacting you for current or future opportunities

- Retaining your application for a limited period (unless deletion is requested)

By submitting your CV, you acknowledge and agree to this processing. Your data will not be shared with any external parties outside the Kredium group unless required by law.

5. Data Sharing

We do not sell, rent, or trade your personal information. We may share data only with:

- Service providers who support website functionality and analytics

- Regulatory or legal authorities, if required by applicable law

- Kredium affiliates or subsidiaries
, for internal and administrative purposes

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or to comply with legal requirements. CV and recruitment-related data may be kept for a limited time unless deletion is requested by the applicant.

7. International Data Transfers

As a globally operated organization, your personal information may be transferred to, and stored in, countries outside your country of residence. We implement appropriate safeguards to ensure adequate protection of your data in line with applicable laws.

8. Your Data Protection Rights

Depending on your jurisdiction, you may have the right to:

- Request access to or correction of your personal data

- Request deletion of your data ("right to be forgotten")

- Object to or restrict certain processing activities

- Withdraw consent (where processing is based on consent)

- File a complaint with a supervisory authority

To exercise any of these rights, contact us at: info@kredium.org

9. Children’s Privacy

This Website is not intended for children under the age of 18. We do not knowingly collect or process personal data from minors.

10. Third-Party Links

Our Website may contain links to external websites. We are not responsible for the privacy practices, security, or content of these third-party sites. We encourage you to review their policies before submitting any information.

11. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in applicable laws. The most recent version will always be available on this page, with an updated “Effective Date.” Continued use of the Website constitutes acceptance of the revised policy.

12. Contact Us

If you have any questions, requests, or concerns regarding this Privacy Policy or your personal data, please contact:

Kredium
Email: info@kredium.org
Website: https://www.kredium.org
CareersContact
We have updated our Privacy Policy. Please visit the Privacy Policy page for more information.
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