Legal

Privacy Policy

How INOVAXSCORE collects, uses and protects your personal data.

Last updated · September 2026

1. Who we are

This privacy policy applies to the website and digital solutions of INOVAXSCORE (INOVAXSCORE, Sociedade Unipessoal Lda.), headquartered in Palmarejo, Praia, Cabo Verde ("INOVAXSCORE", "we", "the company"), including ImobScore, CreditScore, Score Solidário and associated services (Client Workspace, Bank Workspace, Financial Services and Process Automation). We are responsible for processing the personal data collected through these channels.

2. What data this policy applies to

This policy applies to the personal data of website visitors, people who fill in contact or simulation forms, and users of INOVAXSCORE's digital solutions. It does not apply to third-party websites we may link to.

3. Data we collect

Depending on how you interact with us, we may collect the following categories of data:

  • Identification and contact data — name, email, phone and, where applicable, the name of the company or institution, provided when filling in a contact form or expressing interest in a solution.
  • Simulation financial data — information voluntarily provided in a simulation (for example, property price, down payment, income, existing instalments, intended term), used exclusively to calculate the result of that simulation. In the current demo versions, these calculations are performed on your own device (browser) and are not sent to our servers nor stored by us.
  • Account and usage data — when the Client Workspace and Bank Workspace areas become available, registration, authentication and usage data for those areas may be collected, according to each user's profile and authorisations.
  • Technical browsing data — device type, browser and pages visited, collected in aggregate form to understand how the website works and improve the service.

We do not collect special categories of personal data (such as health data, ethnic origin or political opinions) through this website.

4. Legal basis for processing

We process your personal data based on one or more of the following grounds, as applicable: (a) your consent, given by voluntarily filling in a form; (b) the performance of a contract or pre-contractual steps, when you request a simulation or express interest in a solution; (c) our legitimate interest in understanding and improving how the website works; and (d) compliance with legal obligations applicable to INOVAXSCORE's activity in Cabo Verde.

5. Purpose of processing

We use the data collected to: respond to contact requests and expressions of interest; calculate and present simulation results; organise and track processes in the work areas (when available); improve our tools and the website; and comply with legal and regulatory obligations applicable to the financial sector in Cabo Verde. We do not sell personal data to third parties.

6. Data sharing and transfer

Data from a simulation made through a partner real estate agency's journey may be shared with that agency, exclusively for commercial follow-up of that simulation — never with other real estate agencies or unrelated third parties. We may also share data with service providers that support us in operating the website (for example, hosting), subject to confidentiality obligations, and with competent authorities when required by law. We do not transfer personal data outside Cabo Verde beyond these situations.

7. Retention period

We retain personal data only for as long as necessary to fulfil the purpose for which it was collected, including compliance with applicable legal, accounting or reporting obligations. Contact data associated with requests that are not followed up is retained for a limited period and then deleted or anonymised.

8. Data subject rights

Under the personal data protection legislation applicable in Cabo Verde, you have the right, at any time, to: access your personal data; request its rectification or update; request the erasure of your data; object to or request the restriction of processing; request the portability of the data you provided to us; and withdraw consent given, without affecting the lawfulness of processing carried out before such withdrawal. You may also file a complaint with the national data protection authority. To exercise any of these rights, contact us through the means listed on the Contact page.

9. Data security

We apply technical and organisational data protection measures appropriate to the risk — including authentication-based access control, data isolation between clients at the database level (where applicable), and good secure development practices. No system is entirely secure, but we work to minimise risks and review these measures regularly.

10. Cookies and similar technologies

This website does not currently use tracking or advertising cookies. If in the future we start using analytics tools (for example, Google Analytics) or other similar technologies, this section will be updated before that change takes effect, and your consent will be requested whenever required by law.

11. Children's data

INOVAXSCORE's solutions are intended for adults with legal capacity to enter into contracts. We do not knowingly direct this website to minors nor do we knowingly collect personal data from minors.

12. Changes to this policy

We may update this policy periodically, to reflect changes in our solutions or in applicable legislation. The date of the last update is shown at the top of this page. Significant changes will be communicated visibly on the website.

13. Contact

For questions, requests or complaints about this policy or about the processing of your personal data, contact contato@inovaxscore.com.