You can be assured that we protect the information we collect. By using our sites, products or services, you agree to the collection, use and sharing of your data in accordance with this Privacy Policy.
This Privacy Policy is updated from time to time; therefore, it should be reviewed occasionally. We last changed our Privacy Policy on September 23, 2017. See our archive for further information.
We use data we collect about you to provide services to you, improve our products and services; provide support; and send notifications, offers, and promotions, to protect our and third party rights and interests, and to comply with the law.
We use information about you to:
We use data we collect about you to provide services to you, improve our products and services; provide support; and send notifications, offers, and promotions, to protect our and third party rights and interests, and to comply with the law.
We use information about you to:
Data can be collected and processed during the operations of our websites, mobile applications or use of our services, or when you communicate with us by any means.
We collect any information you provide us:
The information you give us may include: your name (surname, first aname), identity/identification number or personal code, address, e-mail address and phone number, date of birth, gender, marital status, number of juvenile children, employment status, employer name, work phone number, monthly income and expenses, financial and credit card information, bank account number, transactions in bank accounts, personal description, voice recording (incoming and outgoing calls), your photo or image, image of your identification document, signature and any other information you choose to provide us.
We will record and store, and may use the information you provide us in ways listed above. We also may record our communication via phone.
With regard to each of your visits to the website or use of our mobile applications we may automatically collect the following information:
Please see also section “How do you collect my personal data?”
We may request information about you from third parties, for example, other our group companies, or credit bureaus. We do that in accordance with the current data protection regulation, and where it is necessary we will obtain your prior consent. We may receive information about you:
We may keep your personal data for time after you stop being a customer, to ensure our legal interests in case of dispute with client, or as required by law. However, we typically keep your personal data no longer than is reasonably necessary given the purposes for which the data was collected, generally to fulfil our contractual obligations towards you, exercise our legitimate interests, or as required by statutory retention periods.
We may disclose your personal data to other 4finance group companies for internal administrative purposes.
We may share your information with other 4finance group companies and selected third parties for the performance of our contractual obligations with you and for the other purposes described in this policy:
When transferring data, we are committed to ensure that the data receiver follows the same security measures for storage and processing of personal data, as we do.
Your personal data may be processed, stored and transferred to third parties in the manner and amount as provided in this Privacy Policy, the contract(s) concluded between you and us, and consents you give to us time to time.
Locations outside your country or the European Economic Area – for example U.S.A. – may be used for processing (including storage) the data we collect about you. The information we transfer may be shared with our service providers. It may include such processes as processing a payment, data analysis (including fraud, risk and credit checks), collecting data on use of our websites and services, for advertising purposes (including behavioral advertising), or offering support for your service or product needs.
We take all reasonable action to ensure the safety of your personal data in agreement with this Privacy Policy and applicable legal acts. For example, we use European Commission standard clauses agreement, EU-US Privacy Shield program, and authorization of respective data protection authorities to ensure your data is safe.
You have the right to ask us about the personal data we process about you, the purpose and nature of the processing, and to provide information on who we share it with (unless the disclosure of such information is prohibited by law). You may request a copy of the information we process about you in order to verify the information we have on you. The copy may be requested free of charge.
You have the right to request that we update, correct, or delete (assuming that this does not impact the services we are providing to you) your personal data at any time. Please note that we may reject requests which risk the privacy of others or are unreasonable or repetitive, or would require disproportionate effort. We are however subject to certain legal obligations which prevent us from immediately deleting your personal data. Such obligations derive from anti-money laundering laws, tax laws and consumer rights laws.
You shall inform us in the event there are changes in information you have provided to us in process of entering into the contract(s) or our future cooperation, as well as if you are determined that your personal data we process are inaccurate.
You have the right to opt-out of (or unsubscribe from) receiving our email newsletters, bulletins, SMS messages or other similar promotional information at any time in your user profile on our website or contacting us. Also, at the bottom of each e-mail with commercial communication message, we will provide link for opt-out from receiving our promotions. Please be aware that our messages may include important or useful information about your products, discounts and other useful offers.
We work hard to protect your personal data and keep it safe. However, if you think we have breached your rights please contact us to resolve the issue. You also have a rignt to lodge a complaint with data protection authority. List of EU data protection authorities and their contact information can be found here, and contact details of data protection authorities in countries we operate outside EU can be found here.
We may change this Privacy Policy at any time, and we will indicate the date the Privacy Policy was most recently updated. If there have been significant changes, we will highlight any such changes and will attempt to directly alert you when possible. We will also keep prior versions of this Privacy Policy in an archive for your review.
Previous versions of the Privacy Policy:
We welcome communication via:
You may also contact group data protection officer via the email address privacy@4finance.com or by mail:
Data protection officer
AS 4finance, Lielirbes iela 17A-8, Riga, LV-1046, Latvia
4finance group and our affiliates mean 4finance Group S.A. (incorporated in Grand Duchy of Luxembourg, registration no.: B 195643, address: 6, rue Guillaume Schneider, L-2522, Luxembourg) and companies it directly or indirectly owns or controls, including but not limited to:
Please visit company page for more information about 4finance group and its companies.
Automated decisions can be based on any type of data, for example:
Decisions that are not wholly automated might also include human intervention. For example, before granting a loan, we will consider the credit score of the borrower, possibly with additional meaningful intervention carried out by our staff before any decision is applied to an individual.
We perform automated decision making in order to perform a contract based on the individual’s request that we do so.
We process for the purposes of establishing creditworthiness and to conduct risk assessments to decide whether to issue a loan and to what amount. This may result in a loan not being granted.
If you do not pay back your loan we may use third parties to collect this loan and share your personal data with them for this purpose.
