Privacy policy

Privacy policy

This Privacy Policy is effective from ___ 2020.

Introduction & definitions

This Privacy Policy and our Terms and Conditions (hereinafter referred to as "Rules") set out general rules and conditions that apply to your access and use of all products and services of Financo.com (collectively referred to as "Financo Services" or "Services"). The Services can be accessed on our websites, including but not limited to all content and all Services provided on the domain Financo.com, as well as through certain downloadable mobile applications or platforms that are authorized by Financo to provide the Services (collectively referred to as "Website").

"Financo" means SIA FINANSO and its officers, directors, employees, consultants, affiliated organizations, subsidiaries and agents.

By using the Services or accessing the Financo Services, you agree to this Privacy Policy and the Rules as a whole in accordance with their current version.

This Privacy Policy will allow you to understand:

1.      What personal data are collected by us or provided by you during our interaction with you and your use of our Website.

2.      How your personal data will be used, where it is stored, how long it will be stored and your rights.

You acknowledge that by providing your personal information to us, you consent to its processing in accordance with this Privacy Policy. When providing personal data about third parties, you confirm that you have the consent of these persons to provide their personal data. We cannot offer you any product or service demanding to the process of personal data of special category if you do not give obvious consent to collecting and use of such data.

«We», «us», «our», «Financo» means SIA FINANSO, a legal entity registered in Latvia, with registration number 40203223508, at Riga, Krisjana Valdemara Street, 33 - 7, LV-1010.

«You», «Yours», means the person who accesses and uses our Site.

I. What data, for what purposes and how long we process

We may collect and process the following personal data and information about you:

A. The personal information you voluntarily provide to us

We collect personal information provided directly by you.

The table below contains complete information on the amount of personal data collected and processed, the purpose and the date of processing.

Purpose

The processed data

Storage duration

Provide you with the Services you requested, grant your request, or answer a question.

We may send you an email, telephone messages containing news, promotions and special offers about the Services or other products that we believe may be of interest to you. If you do not wish to receive such promotional messages by email, you may withdraw your consent at any time by contacting us or following the "unsubscribe" instructions or instructions contained in the promotional messages you receive. However, in this case, we will not be able to fulfil our agreement and inform you of the Services available to you.

Your first name, last name, middle name,

Date of birth

Contact telephone number

E-mail address

Age, gender, other demographic data

Desired lending amount

Desired lending term

Loan purpose

Desirable deposit amount

Deposit currency

Time of deposit

Conditions of the debit card

During the term of the contract 1 month

Provide you with the Services you requested, grant your request, or answer a question.

We also use your information to send you email messages related to the Services (e.g. account verification, service feature changes/updates, technical and security notifications).

Your contact details

Information in the messages you sent us

1 year after the provision of the Service or since the last communication

To offer you services that can be useful to you proceeding from the Services which are earlier rendered to you

Your last name, first name, middle name

Your contact details

Within 2 months of your participation in the communication with us, unless you do not object to this processing

The data we collect in order to conclude the contract is a condition of providing you with the Services. You are not required to provide this data, but if you do not provide it, we will not be able to provide you with the Services. We may ask you to provide only some of the above information, depending on your processing purposes.

B. Technical information, including identification information:

  • Device and connection information such as IP address (internet protocol), unique device IDs (e.g. IMEI for phones), device wireless network interface MAC address or mobile phone number used by the device, mobile network information, your mobile operating system, type of mobile browser used, time zone setting «device information».
  • Configuration data such as browser type, version and language setting, time zone setting, types and versions of browser plug-ins. Detailed information about how you used our Site, such as your search queries. Information about your visit, including the clickstream's full Uniform Resource Locator Directory (URL) to, through, and from our Site (including date and time); the products you have viewed or searched for; page response times, duration of visits to specific pages, information about page interactions (e.g., scrolling, clicking, and mouse over the frame), and the methods used to view from the page.
  • Log information such as bug reports, download errors, any problems you encounter when using our Site, and any phone number used to call our customer service number.
  • Information about how you accessed the Site (e.g., through which affiliate network).

We may use your automatically collected data, such as IP address and browser data, to improve our Site, for example:

- For the administration of our Site and for internal operations, including data security, troubleshooting, testing, statistical and overview purposes;

- ensure that the content on the Site is presented in the most effective way for you and your device.

  • Cookies and other technologies

II. COOKIE USAGE POLICY

Based on consent, we may obtain some information from our Site users: how they interact with the Site using cookies, analytical tools, or receive data from third parties.

A cookie is a small file, usually consisting of letters and numbers, that is downloaded to the device when the user accesses certain sites. Cookies allow the Site to recognize the user 's device.

We can use cookies to recognize you when you visit our Site or use our services, remembering your preferences and giving you a personalized experience. We collect cookies for the following purposes:

-to manage our dealings with you, to analyze your application data and profile, to fulfil our agreement and to share your personal data with personal service providers;

- develop and implement marketing activities, study how our clients use our Services and other organizations and communicate with you about our Services.

Authentication cookie. If you subscribe to our Services, these cookies will help us to show you the right information and personalize your experience.

Session cookies. These cookies store the user's session ID. A cookie is set when a user logs on and is used to restore a session without entering personal information.

Security cookie. We use cookies for our security features as well as to detect malicious activity.

Preferences, functions and services. These cookies help us customize your preferences, such as which language you prefer and what your communication preferences are, or fill out forms as soon as possible.

Performance, analytics and research. These cookies help us analyze the performance of our Site. We use cookies to improve our products, features and Services, including creating logs and recording when you visit our Site.

Thirdparty cookies. Finanso sets a cookie on your computer, certain third parties may also set cookies on your computer. The purpose of this data processing is to track conversions and distribute them among relevant partners. This is necessary to fulfil the contract with third parties (our partners) who use our services. Please note that we do not share personal information with third parties.

We use the following session, permanent and third-party marketing cookies, including cookies from our partners and service providers:

Domain

Name cookie

Cookie life term

Description of the purpose of a cookie

Finanso.com

@@History/@@scroll|#

constantly

Statistics

Finanso.com

_ga

2 years

Registers a unique identifier that is used to obtain statistics on how a visitor uses the Site

Finanso.com

_gat

Session

Used by Google Analytics to regulate query speed

doubleclick.net

IDE

1 year

Used by Google DoubleClick to register and report Website user activity after viewing or clicking on one of the advertiser ads to measure the effectiveness of ads and present targeted ads to the user

doubleclick.net

test_cookie

Session

Used to check if your browser supports cookies

facebook.com

fr

3 months

Used by Facebook to deliver a range of advertising products, such as real-time bets from thirdparty advertisers.

facebook.com

tr

Session

Marketing cookie

google.com

ads/ga-audiences

Session

Uses Google AdWords to re-engage visitors who are likely to be converted to customers based on online visitor behavior on different websites

google.com

NID

6 months

Registers a unique ID that identifies the user 's device being returned. This ID is used for targeted ads

https://finanso.com/

i

10 years

Marketing cookie

https://finanso.com/

yandexuid

10 years

Marketing cookie

https://finanso.com/

yp

10 years

Marketing cookie

https://finanso.com/

yabs-sid

Session

Marketing cookie

https://finanso.com/

FINGERPRINT

Session

Marketing cookie

https://finanso.com/

_ym_isad

Session

Marketing cookie

https://finanso.com/

_ym_metrika_enabled

Session

Marketing cookie

https://finanso.com/

_ym_uid

2 years

Marketing cookie

https://finanso.com/

metrika_enabled

Session

Marketing cookie

https://finanso.com/

_ym_metrika_enabled_4898377

Session

Marketing cookie

https://finanso.com/

estring

Session

Marketing cookie

https://finanso.com/

clString

Session

Marketing cookie

https://finanso.com/

PP_clickid

29 days

Marketing cookie

https://finanso.com/

NEWUSER

29 days

Marketing cookie

https://finanso.com/

PATH_INFO

29 days

Marketing cookie

https://finanso.com/

idreg

29 days

Marketing cookie

What can you do if you don 't want cookies installed or deleted?

Most browsers accept cookies automatically, but some people prefer not to allow their usage. You can change your browser security settings to stop cookies being accepted and stored on your device, to allow cookies to be accepted and stored from selected sites you trust, or to be notified before a cookie is received. You can also delete cookies stored in your browser at any time. Information stored in these cookies will be removed from your device. However, these settings may adversely affect the usability of sites.

Browser manufacturers typically provide help related to cookie management in their products. Please read below for more information:

-          Google: https://support.google.com/chrome/answer/95647?hl=en-GB

-          Internet Explorer: https://support.microsoft.com/en-us/help/260971/description-of-cookies

-          Mozilla Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer

-          Safari (Desktop): https://support.apple.com/kb/PH5042?locale=en_US

-          Safari (Mobile): https://support.apple.com/en-us/HT201265

-          Android Browser:  https://support.google.com/nexus/answer/54068?visit_id=1-636585517588941681-639659396&hl=en&rd=1

-          Opera: https://www.opera.com/help

-          Opera Mobile: https://www.opera.com/help/mobile/android#privacy

For other browsers, consult the documentation provided by the manufacturer of your browser.

You may refuse the use of third party cookies by Google Analytics on its website.

You can opt-out of targeted ads provided by participating advertising servers through the Digital Advertising Alliance (http://youradchoices.com). You can also change your device settings on your iPhone, iPad, or Android to control whether you see online ads based on your interests.

III. DISCLOSURE OF INFORMATION TO THIRD PARTIES

We do not sell or transfer personal information about you to other persons or unaffiliated companies without your consent, except for the provision of the Services you requested when we have your consent, or in the following circumstances:

Lenders. We may transfer data that we collect or receive from you to creditors to provide you with a service in such a way that they can provide you with information about your request for tariffs, offers and information related to other products and services they offer. You agree that when you provide personal data to a lender or a third party through the Site, the provision of your data may also be governed by a creditor or third party 's privacy and security policy that differs from our privacy policy. For details on these policies, please read the creditor or third party policy directly.

You understand that lenders may store your personal information relating to any representation of information that you may make using the Site and any other information provided by Finanso in the processing of any representation of information, whether or not you are entitled to the products or services of creditors. You agree to notify any particular Lender directly if you no longer want them to store or process your personal data.

We can also share automatically collected personal data, including data obtained through tools such as cookies, log files (such as anonymous usage data, link/output pages and URLs, platform types, number of clicks, etc.) with lenders.

Service providers. We may share information with third parties who help us run our business and provide services, such as to provide technology, services, data or content to us from outside.

We partner with a number of authorized service providers (data operators) whose services and solutions complement, facilitate and improve our own in accordance with written confidentiality agreements that guarantee compliance with legal requirements and protect the rights of data subjects. Data operators act only on behalf of our documented instructions. They are directly liable and may be subject to fines or other sanctions if they do not comply with these requirements.

These may include:

Hosting providers, information technology service providers, data protection and cybersecurity services, web analytics, e-mail distribution and monitoring services, marketing services.

Such Data Operators may obtain or otherwise have access to your identifiable or unidentified personal data, in whole or in part, depending on each of their specific roles and purposes in facilitating and improving our services and business, and may use it only for such purposes. Under no circumstances will Data Operators use this data for their own purposes. Upon conclusion of the contract, the Data Operator shall return the data to us or transmit it to another processor designated by us and erase any copy available to it. However, the Operator may keep the data locked to resolve possible administrative or legal obligations.

Others when required by applicable law or when required to protect our users and Services. We may disclose your information to third parties when we reasonably believe that we are required to do so in accordance with applicable law, and to investigate, prevent or act upon alleged or actual prohibited activities, including but not limited to fraud and situations involving potential threats to the physical security of any person.

Administrative or judicial power. The legal basis for such an exchange is the necessary compliance with our legal obligations. We may disclose or otherwise permit others to access your personal data under a legal request such as a subpoena, trial, search warrant or court order, or under applicable law, if we believe the law requires us to do so with or without your notice. Your data can also be disclosed to police and law enforcement for fraud detection, crime prevention and national security.

In the event that we took over or merged with a third party or otherwise subject to change of control, we reserve the right to transfer information, including any personal identifying and non-personal information, to the assignee. In this case, we will notify you electronically before you are shared and subject to another privacy policy.

Otherwise, with your consent or at your direction. In addition to sharing the information described in this Privacy Policy, we may share information about you with third parties whenever you consent to or direct the date of the transfer.

IV. Data maintenance

Personal data are stored on paper and machine media in dedicated Finanso repositories, as well as in our information systems, ensuring the preservation of personal data and their protection from unauthorized access.

V. CHILDREN

We do not sell any products or Services to children. If you are not 18 years old, you can use our Site only with your legal representative. We do not knowingly collect personal data of children under 18 years of age without the consent of a legal representative.

VI. INFORMATION YOU PROVIDE ABOUT OTHER PEOPLE

By providing personal information about others (for example, someone in whose name you register an account or subscribe to our marketing activities), you state that you have notified them of (i) the purposes for which this information will be used by (ii) the recipients of their personal data and (iii) how they can access and correct this information. You further declare that you have obtained all necessary consent from them.