We use the data we collect for you to provide you with services and to improve our products and services; to help you and send you notifications, offers and promotions; in order to protect our rights and interests as well as those of third parties and to comply with the requirements of the applicable legislation.
We use your information to:
• process your applications and provide you with services;
• confirm your identity (this may also include the use of face recognition, voice, fingerprint, or other biometric technologies, as well as online identification systems);
• perform credit checks, assessing your ability to pay obligations to offer you appropriate services before establishing a contractual relationship;
• identify, prevent and avoid fraud, money laundering, terrorist financing and other criminal activities;
• fulfill our legal obligations arising, for example, from the Law on Credit Institutions, the Payment Services and Payment Systems Act, the Consumer Credit Law, the Money Laundering Act, the Act on Measures Against the Financing of Terrorism, laws regulating accounting activities, etc. .;
• contact you, including to inform you of any changes related to us, our services or our contractual relationship;
• refund all funds due;
• administer the various services we provide,
• provide and improve the quality of services;
• manage and improve our websites, maintain their safety, and ensure that content is displayed on your device in the most effective way possible;
• develop and offer new services;
• for statistical and market research activities, to measure or detect the performance of the advertisements we offer, and to provide relevant ads for you;
• we advertise (on websites and in mobile, mail, e-mail, telephone or SMS) products and services of our company, other companies in our group and third parties, including personalizing and adjusting our offers to your personal preferences;
• analyze, update and apply new technologies in terms of your identification, risk assessment and creditworthiness, fraud prevention, money laundering or terrorist financing; and
• any other legitimate use that is relevant to our relationship with you.
In any case, we collect your personal data in a legitimate and reasoned manner under the applicable legal framework, namely:
• For the purpose of concluding and / or implementing a contract with you; or
• based on your consent, when necessary – Your consent will be requested in advance, if necessary, before processing your personal data; or
• to fulfill our obligations under the applicable regulations; or
• for the purposes of our legitimate interests, except when your interests and rights take precedence over our interests.
INFORMATION PROVIDED BY YOU
We may collect any information you provide to us:
- When you sign up on our website, use our web or mobile apps, fill out forms or apply for loans and other products and services on our website, in our offices, at our partners’ offices or websites, or otherwise.
- When reporting a problem or communicating with us about our products or services.
- When you participate in discussion forums, promotions or surveys, comment on our blog or use other social media features on our website or other activities performed through our websites or social media.
- When you participate in a competition, promotion or research in any way, including at our partners’ sites and trough social media.
- If you otherwise communicate with us through the above methods.
The information you provide us may include: your name (surname, surname, surname, name), ID / PIN, address, email address and telephone number, date of birth, gender, marital status, number of underage children, employee name, business phone number, monthly earnings and costs, financial information and credit card details, bank account number, bank account transactions, personal description, voice recording (incoming and outgoing calls), photo orimage, copy an identity document signature, and any other information you choose to provide us with. In order to use the full range of our remote payment services we can request access to the contact list in your mobile device without processing any personal data of your contacts.
We will register, store and may use the information you provide to us in the ways listed above. It is also possible to record our communication over the phone.