Privacy Policy
1. INTRODUCTION
OMNI Kredi is a subdivision of OMNI NOVAS Groups, LLC, and appreciates your business and trust. Based in Miami, Florida, OMNI NOVAS is creating products to enhance your life by building websites, apps, and technological products that can build experience. Please read this Privacy Policy, providing consent to both documents in order to have permission to use our services.
2. DATA COLLECTED
DATA STORAGE LOCATION
Operating web servers hosted in 10 different countries we have our products hosted by DigitalOcean, Contabo, and Namecheap. They adhere to the EU/US “Privacy Shield”, ensuring that your data is securely stored and GDPR compliant. For more information on DigitalOcean and Namecheap privacy policies, please see their respective policy on their own websites.
REGISTRATION DATA
If you register on our website, we store your chosen username, your email address, and any additional personal information added to your user profile. You can see, edit, or delete your personal information at any time (except by changing your username). Website administrators can also see and edit this information.
PURCHASE DATA
To receive product support, you have to have one or more OMNI NOVAS purchase codes or receipts on our website. These purchase codes will be stored together with support expiration dates and your user data. This is required for us to provide you with downloads, product support, and other customer services.
SUPPORT DATA
If you have registered on our website and have a valid support account, you can submit support tickets for assistance. Support form submissions are sent to our OMNI Support ticketing system. Only the data you explicitly provided is sent, and you are asked for consent, each time you want to create a new support ticket. OMNI Support adheres to the EU/US “Privacy Shield” and you can see their privacy policy here: OMNI Support Privacy Policy.
COMMENTS
When you leave comments on the website we collect the data shown in the comments form, and also the IP address and browser user agent string to help spam detection.
CONTACT FORM
Information submitted through the contact form on our site is sent to our company email, hosted by OMNI Host Cloud. OMNI Host Cloud adheres to the EU/US “Privacy Shield” policy and you can find more information about this here: OMNI Host Cloud Privacy Policy.
These submissions are only kept for customer service purposes they are never used for marketing purposes or shared with third parties.
GOOGLE ANALYTICS
We use Google Analytics on our site for anonymous reporting of site usage. So, no personalized data is stored. If you would like to opt-out of Google Analytics monitoring your behavior on our website please use this link: Google Analytics Opt-out.
CASES FOR USING THE PERSONAL DATA
We use your personal information in the following cases:
- Verification/identification of the user during website usage;
- Providing Technical Assistance;
- Sending updates to our users with important information to inform them about news/changes;
- Checking the accounts’ activity in order to prevent fraudulent transactions and ensure the security
- over our fellow human citizens’ personal information;
- Customize the website to make your experience more personal and engaging;
- Guarantee overall performance and administrative functions run smoothly.
3. EMBEDDED CONTENT
Pages on this site may include embedded content, like YouTube videos, for example. Embedded content from other websites behaves in the exact same way as if you visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website. Below you can find a list of the services we use:
The Facebook page plugin is used to display our Facebook timeline on our site. Facebook has its own cookie and privacy policies over which we have no control. There is no installation of cookies from Facebook and your IP is not sent to a Facebook server until you consent to it. See their privacy policy here: Facebook Privacy Policy .
We use the Twitter API to display our tweet timeline on our site. Twitter has its own cookie and privacy policies over which we have no control. Your IP is not sent to a Twitter server until you consent to it. See their privacy policy here: Twitter Privacy Policy.
YOUTUBE
We use YouTube videos embedded on our site. YouTube has its own cookie and privacy policies over which we have no control. There is no installation of cookies from YouTube and your IP is not sent to a YouTube server until you consent to it. See their privacy policy here: YouTube Privacy Policy.
4. COOKIES
This site uses cookies – small text files that are placed on your machine to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymized tracking data to third-party applications like Google Analytics. Cookies generally exist to make your browsing experience better. However, you may prefer to disable cookies on this site and on others. The most effective way to do this is to disable cookies in your browser. We suggest consulting the Help section of your browser.
NECESSARY COOKIES (ALL SITE VISITORS)
- cfduid: Is used for our CDN CloudFlare to identify individual clients behind a shared IP address and apply security settings on a per-client basis. See more information on privacy here: CloudFlare Privacy Policy.
- PHPSESSID: To identify your unique session on the website.
NECESSARY COOKIES (ADDITIONAL FOR LOGGED-IN CUSTOMERS)
- wp-auth: Used by WordPress to authenticate logged-in visitors, password authentication, and user verification.
- wordpress_logged_in_{hash}: Used by WordPress to authenticate logged-in visitors, password authentication, and user verification.
- wordpress_test_cookie Used by WordPress to ensure cookies are working correctly.
- wp-settings-[UID]: WordPress sets a few wp-settings-[UID] cookies. The number on the end is your individual user ID from the users’ database table. This is used to customize your view of the admin interface, and possibly also the main site interface.
- wp-settings-[UID]:WordPress also sets a few wp-settings-{time}-[UID] cookies. The number on the end is your individual user ID from the users’ database table. This is used to customize your view of the admin interface, and possibly also the main site interface.
5. WHO HAS ACCESS TO YOUR DATA
If you are not a registered client for our site, there is no personal information we can retain or view regarding you.
If you are a client with a registered account, your personal information can be accessed by:
- Our system administrators.
- Our supporters when they (in order to provide support) need to get the information about the client accounts and access.
6. THIRD-PARTY ACCESS TO YOUR DATA
We don’t share your data with third parties in a way as to reveal any of your personal information like email, name, etc. The only exceptions to that rule are for partners we have to share limited data with in order to provide the services you expect from us. Please see below:
OMNI NOVAS Partners
For the purpose of validating and getting your purchase information regarding driver’s license, credit history, criminal records, background check, etc., we send your provided tokens and purchase keys to OMNI NOVAS Partners and use the response from their API to register your validated support data.
OMNI Support
OMNI Support provides the support ticketing platform we use to handle support requests. The data they receive is limited to the data you explicitly provide and consent to be set when you create a support ticket. OMNI Support adheres to the EU/US “Privacy Shield” and you can see their privacy policy here: OMNI Support Privacy Policy.
7. HOW LONG DO WE RETAIN YOUR DATA
When you submit a support ticket or a comment, its metadata is retained until (if) you tell us to remove it. We use this data so that we can recognize you and approve your comments automatically instead of holding them for moderation.
If you register on our website, we also store the personal information you provide in your user profile. You can see, edit, or delete your personal information at any time (except by changing your username). Website administrators can also see and edit that information.
8. SECURITY MEASURES
We use the SSL/HTTPS protocol throughout our site. This encrypts our user communications with the servers so that personally identifiable information is not captured/hijacked by third parties without authorization.
In case of a data breach, system administrators will immediately take all needed steps to ensure system integrity, will contact affected users, and will attempt to reset passwords if needed.
9. YOUR DATA RIGHTS
GENERAL RIGHTS
If you have a registered account on this website or have left comments, you can request an exported file of the personal data we retain, including any additional data you have provided to us.
You can also request that we erase any of the personal data we have stored. This does not include any data we are obliged to keep for administrative, legal, or security purposes. In short, we cannot erase data that is vital to you being an active customer (i.e. basic account information like an email address).
If you wish that all of your data is erased, we will no longer be able to offer any support or other product-related services to you.
GDPR RIGHTS
Your privacy is critically important to us. Going forward with the GDPR we aim to support the GDPR standard. OMNI NOVAS Groups, LLC permits residents of the European Union to use its Service. Therefore, it is the intent of OMNI NOVAS Groups, LLC to comply with the European General Data Protection Regulation. For more details please see here: EU GDPR Information Portal.
10. THIRD-PARTY WEBSITES
OMNI NOVAS Groups, LLC may post links to third-party websites on this website. These third-party websites are not screened for privacy or security compliance by OMNI NOVAS Groups, LLC, and you release us from any liability for the conduct of these third-party websites.
All social media sharing links, either displayed as text links or social media icons do not connect you to any of the associated third parties unless you explicitly click on them.
Please be aware that this Privacy Policy, and any other policies in place, in addition to any amendments, do not create rights enforceable by third parties or require disclosure of any personal information relating to members of the Service or Site. OMNI NOVAS Groups, LLC bears no responsibility for the information collected or used by any advertiser or third-party website. Please review the privacy policy and terms of service for each site you visit through third-party links.
11. RELEASE OF YOUR DATA FOR LEGAL PURPOSES
At times it may become necessary or desirable to OMNI NOVAS Groups, LLC, for legal purposes, to release your information in response to a request from a government agency or a private litigant. You agree that we may disclose your information to a third party where we believe, in good faith, that it is desirable to do so for the purposes of a civil action, criminal investigation, or other legal matter. In the event that we receive a subpoena affecting your privacy, we may elect to notify you to give you an opportunity to file a motion to quash the subpoena, or we may attempt to quash it ourselves, but we are not obligated to do either. We may also proactively report you, and release your information to, third parties where we believe that it is prudent to do so for legal reasons, such as our belief that you have engaged in fraudulent activities. You release us from any damages that may arise from or relate to the release of your information to a request from law enforcement agencies or private litigants.
Any passing on of personal data for legal purposes will only be done in compliance with the laws of the country you reside in.
12. CAMERA & IMAGES ACCESS
The Users acknowledge that by using our apps permission is given to the apps to use the camera when users are taking selfies either for identification purposes or for KYC. Also, the users consent to allow the OMNI Kredi applications to access their camera when they need to upload a proper photo to keep on file. The users are aware that the apps can randomly ask them to take a selfie every time the users are making a transaction and the applications decide it is necessary to verify the identity of the users. By using the apps, the users understand that they give the apps permission to their phone gallery when they need to upload their photo or any picture of documents requested by OMNI Kredi.
13. CONTACTS LIST ACCESS
Users acknowledge that they have given their consent for the OMNI Kredi application to have access to their contact list only in order to make it easier for users to do transactions by saving time. Users recognize that the application cannot transfer any data anywhere. The only purpose of giving permission to their contact list is just to facilitate users to add other users’ informations faster when doing transactions. Users have the right to refuse to give permission to our apps, and this will not prevent them from using the services.
14. AUDIO ACCESS
Users acknowledge that they have consented to the OMNI Kredi application having access to the microphone or audio system of their device when they are using the application only to obtain assistance by videoconferencing or in-app calls. Video conferencing assistance can help users solve some problems more easily. Users recognize that applications cannot use their microphones and audio if they are not in a video conference. The only way applications can use micro and audio of their devices is when users give the application access and only when they are in a video conference. The application cannot transfer this data anywhere. This functionality is there to facilitate that the users get better customer service support. Users have the right to refuse to give this permission to the application and this will not prevent them from using the services.
15. AMENDMENTS
We may amend this Privacy Policy from time to time. When we amend this Privacy Policy, we will update this page accordingly and require you to accept the amendments in order to be permitted to continue using our services.
Addendum:
1-What information do we collect?
We gather data from you when you register on our site, submit a request, buy any services, react to an overview, or round out a structure. At the point when requesting any assistance or enrolling on our site, as suitable, you might be approached to enter your: name, email address, or telephone number. You may, nonetheless, visit our site anonymously.
2- How do we protect your information?
All provided delicate/credit data is sent through Stripe.
After an exchange, your private data (credit cards, social security numbers, financials, and so on) will be put away on our workers.
3- Do we disclose any information to outside parties?
We don't sell, exchange, or in any case, move to outside gatherings by and by recognizable data. This does exclude confided-in outsiders who help us in working our site, leading our business, or adjusting you, since those gatherings consent to keep this data private. We may likewise deliver your data when we accept discharge is suitable to follow the law, implement our site strategies, or ensure our own or others' rights, property, or wellbeing.
4- Children's Online Privacy Protection Act Compliance
We are consistent with the prerequisites of COPPA (Children's Online Privacy Protection Act), we do not gather any data from anybody under 13 years old. Our site, items, and administrations are completely coordinated to individuals who are in any event 13 years of age or more established.
5- Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.
6- How long we retain your information?
At the point when you register for our site, we cycle and keep the information we have about you however long you do not erase the record or withdraw yourself (subject to laws and guidelines).
7- CASH ADVANCE SERVICES
OMNI Kredi and OMNIPlus are services provided by OMNI NOVAS Groups, LLC. These services operate under the same corporate umbrella, and OMNI NOVAS Groups, LLC is fully authorized to operate and manage these services and apps.
8- OMNI Kredi
OMNI Kredi facilitates cash advance services and does not provide loans or credit applications. Users can apply for cash advances directly through the OMNI Kredi app. The cash advance services provided by OMNI Kredi are offered without charging any interest, and thus do not require a lending license under Florida law, which mandates a license only if the per annum percentage rate exceeds 18 percent.
9- OMNIPlus
OMNIPlus is designed to qualify users for services offered by OMNI NOVAS Groups, LLC, including those available through OMNI Kredi. Users cannot apply for cash advances via OMNIPlus, but only through OMNI Kredi. Therefore, the documentation for OMNIPlus is covered by the policies and regulations governing OMNI Kredi.
10- SUPPORT URL AND PRIVACY POLICY
The support URL provided in App Store Connect directs users to a dedicated support page for all services offered by OMNI NOVAS Groups, LLC. The support page includes links to our website's privacy policy, which details the cash advance services provided by OMNI NOVAS Groups, LLC. For more information, please visit our support page at: OMNI NOVAS Support.
11. VERIFIED EMAIL DOMAINS
Since OMNIPlus is a service from OMNI NOVAS Groups, LLC, we use verified email domains that match our corporate identity, such as omnikredi.com or omninovas.com (mainly for support). This ensures a verified association with the submitting company and enhances the credibility of our business.
12. LICENSES FOR DISTRIBUTION
Our apps, OMNI Kredi and OMNIPlus, are intended for distribution on the storefronts in India, Thailand, the Philippines, Mexico, Nigeria, etc. However, users from these countries will not be able to use the cash advance option. Our system automatically disqualifies users from accessing cash advance services in these regions. We are in the process of obtaining the required documentation for these countries. However, if the users have an SSN or an ITIN from the U.S., they will be able to apply under their U.S. account by contacting our support services.
13. CONTACT INFORMATION
If you have any questions about this Privacy Policy or the practices of this site, please contact us at:
OMNI NOVAS Groups, LLC
Address: 66, West Flagler Street, Suite 900,
Miami, Florida, USA, 33130
Email: support@omninovas.com
Website: OMNI NOVAS
14. ABOUT THESE AMENDMENTS
We may amend this Privacy Policy from time to time. When we amend this Privacy Policy, we will update this page accordingly and require you to accept the amendments in order to be permitted to continue using our services.
