Privacy Policy.

Kredonia is operated by FINANSI GROUP, S.L., Spanish tax identification number B66240672, Calle Felip María Garín 4, 1B, 2, 46021 Valencia, Spain.

For privacy inquiries, please use the U.S. Contact page until a dedicated U.S. privacy request channel has been confirmed. A verified privacy email and request intake procedure must be added before publication.

Information you choose to submit through a contact process may include your name, email address, the topic of your inquiry, and the content of your message.

Depending on the actual website setup, technical information may include device and browser details, IP address, access dates, page views, and cookies or similar identifiers. The production implementation must be audited so this disclosure precisely matches the data collected.

Do not submit Social Security numbers, bank account passwords, or sensitive financial documents through a general contact form.

Where applicable, information may be used to respond to messages, operate and protect the website, investigate abuse, maintain essential technical functions, and improve educational content.

Any analytics, advertising measurement, lead referral, profiling, or lender-related processing must be listed here only if actually implemented and supported by appropriate notices and choices.

Necessary service providers may receive limited data to operate hosting, communications, or security functions under appropriate arrangements.

If a future U.S. financing process involves sending information to independent lenders or other partners, the partner categories, the information shared, and the circumstances of sharing must be presented before collection or transfer. This draft does not authorize such sharing.

The site owner must confirm whether any cookies, pixels, lead flows, or partner transfers constitute a 'sale,' 'sharing,' or targeted advertising under applicable state privacy laws.

If relevant, this page must provide working opt-out methods, any required 'Your Privacy Choices' link, and supported browser preference handling, such as Global Privacy Control where legally required. This draft makes no claim that those controls are already in place.

Depending on your state and the circumstances of processing, you may have rights to know or access personal data, request deletion or correction, obtain a portable copy, and opt out of certain processing, including targeted advertising or sale/sharing where applicable.

Requests must be handled subject to applicable verification, limitations, appeal rights, and response deadlines. The final policy must identify a functioning intake method and any additional state-specific notices required by law.

For information on categories of cookies and the choices that may apply, see the Cookie Policy. The cookie inventory, vendors, lifetimes, and consent or opt-out behavior must be verified against the live site before publication.

Retention periods depend on the purpose of the information, operational needs, and applicable legal obligations. This draft does not assert a fixed retention period: the final published policy must reflect approved retention schedules and deletion procedures.

Appropriate measures should be used to reduce the risk of unauthorized access, alteration, or disclosure. No Internet transmission is completely risk free.

As the operator is based in Spain, personal information may be processed outside the United States. The final notice must reflect actual processing locations, recipients, and any legally required safeguards.

Kredonia's financing-related educational content and services are intended for adults. The website is not intended to solicit personal information from children under 13. The final statement must be confirmed against actual age-gating, tracking, and data collection practices.

This policy may be updated as the website's features and data practices change. The effective date must be set when the final, verified policy is approved for publication.

For now, use the Contact page for general privacy questions. A dedicated rights-request channel remains an outstanding publication requirement.