Last Updated: 05/2025
MoralCompany (“we”, “us”, “our”) operates a fully digital, globally accessible credit platform. We are committed to protecting your personal data and ensuring transparency in how we collect, use, and safeguard your information.

This Privacy Policy explains how we handle your personal data when you visit our website, apply for credit, or contact us.

1. Who We Are

MoralCompany
Email: contact@moralcompany.net
Phone: +49 178 391 4534
We provide worldwide financial and credit services through a secure digital system.

2. Personal Data We Collect

We may collect the following categories of personal information:

2.1 Information you provide directly

• Full name
• Email address
• Phone number
• Identification documents (passport, ID card)
• Proof of income or employment
• Proof of address
• Bank statements
• Business information (for business credit applications)
• Any details you submit in contact forms or credit applications

2.2 Automatically collected information

When you access our website, we may automatically collect:

• IP address
• Geolocation (approximate)
• Browser type and version
• Device information
• Pages visited
• Time spent on the site
• Cookies and tracking data

2.3 Information from third-party sources

When necessary and permitted by law, we may verify your information using:

• Public databases
• Credit risk systems
• Professional verification services

3. How We Use Your Information

We use your personal data to:

3.1 Provide and process credit services

• Evaluate your credit application
• Verify your identity
• Assess financial eligibility
• Create your personalized credit offer
• Provide customer support

3.2 Improve our services

• Optimize website performance
• Enhance user experience
• Develop new features and financial products

3.3 Legal & regulatory compliance

• Prevent fraud and unauthorized access
• Comply with financial regulations
• Maintain accurate business records

3.4 Communication

• Respond to your inquiries
• Send important account or application notifications
• Provide service updates and relevant information

We never sell your personal data.

4. Legal Basis for Processing

We process personal data based on the following legal grounds:

• Contractual necessity (to assess and provide credit services)
• Legal obligation (financial compliance & fraud prevention)
• Legitimate interest (service improvement, security)
• Consent (for marketing or optional data collection)

5. Sharing and Disclosure of Data

We may share your information with:

5.1 Service providers

Trusted partners who assist with:

• Identity verification
• Data security
• Payment processing
• Document validation
• Cloud hosting

5.2 Legal or regulatory authorities

If required for:

• Fraud prevention
• Compliance with laws
• Official investigations

5.3 Internal departments

To process your application securely and efficiently.

We do not sell or rent your data to third parties.

6. International Data Transfers

Because we operate worldwide, your information may be processed in various countries.
In all cases, we apply strict data protection measures to ensure your information remains secure and compliant with international standards.

7. Data Retention

We keep your personal data only as long as necessary to:

• Complete credit processing
• Meet legal and regulatory requirements
• Resolve disputes
• Maintain proper business records

After retention periods expire, data is securely deleted.

8. Your Rights

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

• Access your personal data
• Correct inaccurate information
• Request deletion (“right to be forgotten”)
• Restrict processing
• Object to certain data uses
• Data portability
• Withdraw consent at any time

You can exercise these rights by contacting us at:
contact@moralcompany.net

9. Cookies & Tracking Technologies

We use cookies to:

• Improve website performance
• Analyze traffic
• Personalize user experience

You may control or disable cookies through your browser settings.

10. Data Security

We use advanced security measures to protect your information, including:

• Encrypted data transmission
• Secure servers
• Identity verification systems
• Continuous security monitoring
• Restricted internal access

However, no online system is 100% risk-free. We maintain strong safeguards to minimize risks.

11. Credit Application Information

Information provided during your application is used strictly for:

• Identity verification
• Eligibility assessment
• Credit analysis
• Compliance and regulatory requirements

Your documents and data remain confidential and secure at all times.

12. Links to Third-Party Sites

Our website may include links to external sites.
We are not responsible for their privacy practices or content.

13. Changes to This Privacy Policy

We may update this Privacy Policy as our services or legal obligations evolve.
Any changes will be posted on this page with the updated date.

14. Contact Information

If you have any questions regarding our Privacy Policy or how your data is handled, contact us:

MoralCompany
Email: contact@moralcompany.net
Phone: +49 178 391 4534