Introduction & definitions
"Financo" means SIA FINANSO and its officers, directors, employees, consultants, affiliated organizations, subsidiaries and agents.
«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.
The processed data
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
Age, gender, other demographic data
Desired lending amount
Desired lending term
Desirable deposit amount
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:
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.
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.
-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.
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.
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:
Cookie life term
Description of the purpose of a cookie
Registers a unique identifier that is used to obtain statistics on how a visitor uses the Site
Used by Google Analytics to regulate query speed
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
Used to check if your browser supports cookies
Used by Facebook to deliver a range of advertising products, such as real-time bets from thirdparty advertisers.
Uses Google AdWords to re-engage visitors who are likely to be converted to customers based on online visitor behavior on different websites
Registers a unique ID that identifies the user 's device being returned. This ID is used for targeted ads
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:
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:
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.
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.
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.