Privacy Policy

1. Information We Collect

1.1 Information You Provide

When you create a Creatorix account or use our services, we collect information you provide directly to us, including:

• Account Information: Full name, email address, phone number, and password when you register.
• Payment Information: Bank account details, mobile money numbers, or wallet addresses required for withdrawals. We do not store full card numbers.
• Profile Information: Profile picture, bio, and any other information you choose to add to your profile.
• Communications: Messages, support tickets, and feedback you send to us.

1.2 Information Collected Automatically

When you access our platform, we automatically collect certain technical data:

• Device Information: Device type, operating system, browser type, and unique device identifiers.
• Usage Data: Pages visited, features used, time spent, clicks, and interaction patterns.
• Log Data: IP addresses, access times, error logs, and referral URLs.
• Location Data: General geographic location based on IP address (country and city level only).

2. How We Use Your Data

We use the information we collect to:

• Create and manage your account and verify your identity
• Process your earnings, calculate rewards, and facilitate withdrawals
• Detect and prevent fraud, abuse, and unauthorised access
• Send transactional notifications (e.g., withdrawal confirmations, account alerts)
• Improve our platform features and develop new earning opportunities
• Comply with legal obligations and regulatory requirements
• Respond to your support requests and communications
• Send marketing communications (only with your explicit consent; you may opt out at any time)

3. Data Sharing & Disclosure

We respect your privacy and do not sell your personal information to third parties. We may share data only in the following circumstances:

• Payment Processors: We share necessary financial information with licensed payment providers to process your withdrawals securely.
• Service Providers: Trusted vendors who help us operate the platform (e.g., cloud hosting, analytics, customer support tools) under strict data processing agreements.
• Legal Requirements: When required by law, court order, or regulatory authority, or to protect the rights and safety of Creatorix and its users.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where the acquiring party agrees to honour this policy.

4. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience. Types of cookies we use:

• Essential Cookies: Required for core platform functionality (authentication, session management). Cannot be disabled.
• Analytics Cookies: Help us understand how users interact with the platform so we can improve it.
• Preference Cookies: Remember your settings such as theme preference and language.

You can manage or disable non-essential cookies through your browser settings, though this may affect some platform features.

5. Data Retention

We retain your personal data for as long as your account is active or as needed to provide our services. Specifically:

• Account data is retained for the duration of your account plus 2 years after closure
• Financial records are retained for 7 years as required by Nigerian financial regulations
• Log data is typically retained for 90 days
• You may request deletion of your data at any time (see Section 6)

6. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Update or correct inaccurate personal information
• Deletion: Request deletion of your personal data (subject to legal retention requirements)
• Portability: Receive your data in a structured, machine-readable format
• Objection: Object to certain types of processing, including marketing communications
• Restriction: Request that we limit how we process your data in certain circumstances

To exercise any of these rights, please contact us at support@creatorix.com. We will respond within 30 days.

7. Security

We implement industry-standard security measures to protect your data, including:

• 256-bit SSL/TLS encryption for all data in transit
• AES-256 encryption for sensitive data at rest
• Multi-factor authentication options for account access
• Regular security audits and penetration testing
• Role-based access controls limiting employee access to user data

While we take significant precautions, no method of transmission over the internet is 100% secure. We encourage you to use a strong, unique password and enable two-factor authentication.

8. Children's Privacy

Creatorix is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected data from a child, please contact us immediately and we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on this page with a revised "Last Updated" date
• Sending an email notification to your registered address for significant changes
• Displaying a prominent in-app notice

Your continued use of Creatorix after changes take effect constitutes acceptance of the updated policy.

10. Contact Us

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

• Email: support@creatorix.com
• Response Time: We aim to respond within 5 business days