1. Legal Notice

 

Website Publisher

This website is published by Microcred SA, a public limited microfinance company with 100% Tunisian capital, authorised by the competent authorities in accordance with applicable Tunisian regulations.

Company Name: Microcred SA

Legal Form: Public Limited Company

Registered Office: 46, Rue Socrate, Zone industrielle Kheireddine, Le Kram 2015

Telephone: 00216 71 138 300

Email: contact@microcred.com.tn

Website: www.microcred.com.tn

Tax Identification Number: 1314598 V/A/M/000

National Business Register (RNE): 1314598V

Supervisory Authority

Microcred SA operates under the supervision of the Microfinance Supervisory Authority (Autorité de Contrôle de la Microfinance – ACM), in accordance with Tunisian legislation applicable to microfinance institutions.

Website Hosting

Hosting Provider: OVH

Address: Tunisia

Intellectual Property

All content published on this website (texts, photographs, illustrations, videos, logos, icons, documents, graphic elements, databases and visual identity guidelines) remains the exclusive property of Microcred SA or its partners.

Any reproduction, representation, distribution or use, in whole or in part, without prior written authorisation is prohibited.

Liability

Microcred SA endeavours to ensure the accuracy of the information published on its website. However, this information is provided for informational purposes only and may be changed at any time. Microcred SA cannot be held liable for any errors, omissions or temporary unavailability of the website.

Hyperlinks

The website may contain links to third-party websites. Microcred SA accepts no responsibility for their content or data protection policies.

Applicable Law

This legal notice is governed by Tunisian law. Any dispute falls within the jurisdiction of the Tunisian courts.

2. Privacy Policy

At Microcred SA, the protection of personal data is a fundamental commitment. We implement the necessary measures to ensure confidentiality, security and transparency in the processing of information entrusted to us.

Data Collected

Depending on the services used, we may collect:

  • First and last name
  • Contact details (telephone number, email address)
  • Governorate and location
  • Information relating to financing applications
  • Information submitted through contact forms
  • Browsing data (IP address, browser, pages visited)

Purposes of Data Processing

Data is used to:

  • Respond to information requests;
  • Review financing applications;
  • Contact users;
  • Improve the services provided;
  • Compile website traffic statistics;
  • Comply with legal and regulatory obligations.

Data Protection

Microcred SA implements technical and organisational measures designed to protect data against unauthorised access, loss, disclosure or alteration.

Data Retention Period

Data is retained for as long as necessary to fulfil the purposes for which it was collected and to comply with applicable regulatory obligations.

Data Sharing

Personal data is never sold.

It may only be disclosed to:

  • Technical service providers acting on behalf of Microcred SA;
  • Legally authorised authorities when required by regulations.

Your Rights

In accordance with applicable Tunisian regulations, you may request:

  • Access to your data;
  • Rectification of your data;
  • Deletion of your data where legally permitted;
  • Restriction of certain processing activities.

Any request may be sent to: contact@microcred.com.tn
Microcred SA undertakes to process each request as promptly as possible.

3. Cookie Policy

The website www.microcred.com.tn uses cookies to improve your browsing experience and measure website performance.

What Is a Cookie?

A cookie is a small file stored on your device when you visit a website.

Cookies Used

  • Technical Cookies

These cookies ensure the proper functioning of the website (navigation, security, forms, etc.).

  • Analytics Cookies

These cookies are used to analyse website traffic in order to improve content and performance.

  • Personalisation Cookies

These cookies allow certain browsing preferences to be remembered. No advertising cookies are placed without your consent.

Managing Your Preferences

During your first visit, a banner allows you to:

    • Accept all cookies;
    • Reject cookies;
    • Customise your choices.
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