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We are pleased that you are visiting our webpage, and we would like to provide you with some important information about our commitments to the security and confidentiality of personal data. Please check this section regularly, as the policy may be subject to changes or updates. Any significant changes to this policy will be announced here. In addition to this policy, please review our Cookie Policy.
INTERNET FINANCE GROUP, LLC (hereinafter referred to as the “Company”)
Address: Ukraine, Kyiv Region, Buzova, Novaya Street, 23
Website: https://ify.credit/
Email: gdpr@ify.credit
The Company is not a bank or financial services provider. Therefore, we will not offer you financing directly. The Company provides an online service for reviewing and selecting loan offers. We present you with credit offers from financial services providers.
By submitting an application on our website, you agree that the Company will forward your application to financial services providers in order to obtain the best possible financial offer for you.
In real time, we may submit your application to one or several lenders or financial services providers, depending on their credit criteria, until one of them accepts your application or all lenders and providers decline it.
If a lender or provider chooses to accept your application, you will be redirected to a page on the lender’s or financial services provider’s website. (If the lender or provider is not represented online, we will provide you with their contact details directly.)
Accessing or using any part/function of the website https://ify.credit/ means that you agree to read, accept, and comply with the provisions, terms, and policies mentioned herein and/or available via hyperlink, and that you are of legal age under the applicable national legislation. If you do not accept the provisions, terms, and policies set out in this documentation, you should not continue to access our website and/or use our services.
In general, the personal data we collect is provided by you via email or through the website https://ify.credit/.
Below we outline the purposes for which we process your personal data, the persons who may have access to your data, and the way we store it, for each specific case and method of data collection.
4.1. Purpose of Collecting and Processing Personal Data
The Company collects and processes your personal data in order to satisfy your request for searching loan offers in the financial services market. We provide you with an online selection of available offers that best match your request.
4.2. If you submit a request for online loan selection via the website:
The data will be provided online by filling out the loan application form on the website https://ify.credit/
- Surname, first name, and patronymic
- Date of birth (day, month, year)
- Email address
- Contact phone numbers
Taking steps at the request of the data subject prior to entering into a contract, Article 6(1)(b) of Regulation (EU) 2016/679 (hereinafter the “Regulation”).
With whom the Company may share personal data:IT service providers for our Company (hosting and data storage) or providers to whom we delegate certain technical support services
Software solution providers
Public authorities, including but not limited to the National Association of Credit Financial Institutions, in accordance with legal requirements
Partner entrepreneurs and companies with which we have franchise agreements
Banking and credit institutions, money service providers
Any information relating to loan applications submitted by clients on our Website will be retained for at least 5 years from the date of the last interaction.
Where data is stored:Data registered via the website https://ify.credit/ will be stored on servers in Bulgaria, Sofia, Telepoint.
We will store data on our secure local and cloud servers.
4.3. When You Interact with the Company Through Contact Channels Available on the Website If you interact with the Company using the contact details provided on the contact page of https://ify.credit/, we will use your contact details and the data you provide to: Deliver information and offers about our services and partner services, Address the situation you reported, Evaluate customer satisfaction, Continuously improve our offered services
Personal Data:- irst name
- Last name
- Phone number
- Email address
- Internet Protocol (IP) address
- Cookie identifier
Pursuing our legitimate interest to respond to any inquiry, complaint, or recommendation you submit to us, and to improve the services offered to our clients, Article 6(1)(f) of the Regulation.
With whom the Company may share your data:IT service providers for our Company (hosting and data storage), or providers delegated certain technical services for our website, or providers of customer relationship management (CRM) systems
The platform on which our website is developed and hosted
Regulatory and other governmental authorities, where required by legal obligations
We will disclose your personal data only to the extent strictly necessary to achieve the stated purposes. We have taken all necessary measures to ensure that external service providers with access to your data implement physical, electronic, and managerial safeguards to protect it.
The Company will retain your personal data in our database for 5 years from the date of the last interaction.
Where data is stored:Data recorded via the website will be stored on servers in Bulgaria, Sofia, Telepoint.
Data we upload will be stored on our secure local and cloud servers.
4.4. Commercial and Marketing Communications The Company may send you information about its services if you have requested such information or if you are already our client and the information may be of interest to you. We may also send you information about campaigns and offers.
Personal Data:- First name
- Last name
- Email address
- Phone number
We process data on the basis of your consent (Article 6(1)(a) of the Regulation) for marketing communications.
We also process data under our legitimate interests if you are already our client and we believe the information may be of significant interest to you (Article 6(1)(f) of the Regulation).
Hosting and data storage providers, or providers delegated with certain technical support services for our website, or CRM system providers
Regulatory and other governmental authorities, where required by law
We will disclose your personal data only to the extent strictly necessary to achieve the intended purposes. We have taken all necessary measures to ensure that external service providers with access to your data implement physical, electronic, and managerial safeguards to protect it.
Data retention period:Where processing is based on legitimate interest (for existing clients), we will process your data for the duration of the contract and continue for 3 years from the date of the last interaction.
Where data is stored:Data uploaded locally will be stored on our secure local and cloud servers.
Data recorded via the website will be stored on servers in Bulgaria, Sofia, Telepoint.
- By email
- By SMS
- Via messengers (Viber, WhatsApp, Telegram, etc.)
- Through the user’s web browser
If you do not wish to receive informational materials from the Company, you may unsubscribe by clicking the “Unsubscribe” button available in the email you receive, or by sending an email indicating your wish to unsubscribe to unsubscribe@ify.credit. You will then be removed from these communications.
The Company pays close attention to the protection of your data and applies appropriate technical and organizational measures to safeguard the personal data it processes, in accordance with the risks and categories of protected data. In particular, the Company protects data against unauthorized access, unauthorized acquisition, unlawful processing, as well as alteration, loss, damage, or destruction of data.
However, please note that no data transmission can be guaranteed to be 100% secure. If you suspect a breach of the confidentiality of your data, please contact us immediately at: gdpr@ify.credit.
Once the data retention period has expired, your data will be deleted. If we believe that the data may help us improve the quality of our services, we will continue to use such data only after its irreversible anonymization.
Please note that we are not responsible for the privacy policies of other websites or third parties. The Company recommends that you exercise caution when leaving our website and review the privacy policy of every website that may collect personal information.
The Company does not knowingly collect information from minors under 18 years of age through this website. Access to and use of the website by a minor implies the indirect consent of the legal guardian for the minor under their care to use our website. Furthermore, if we discover that a minor has used our website without the consent of a legal representative, we will delete all personal information relating to them.
The Company provides personal data to partners operating outside the European Economic Area (EEA).
List of international partners with whom we share data:
- Third parties placing cookies: Google, Facebook
- Online platforms: Facebook, LinkedIn, Instagram, TikTok
- The platform on which our website is developed and hosted
- IT provider
- Partner entrepreneurs and companies with which we have concluded franchise agreements
Personal data may be stored and processed in any country where we work with service providers. We may transfer personal data stored about you to recipients in countries different from the country in which the personal data was originally collected. However, the Company will take steps to ensure that any such transfer complies with applicable data protection laws and that your personal data remains protected in accordance with the standards described in this Privacy Policy. In some cases, courts, law enforcement, regulatory or security authorities in other countries may have the right to access your personal data.
If applicable law requires us to ensure that international data transfers are governed by a transfer mechanism, we use one or more of the following mechanisms:
EU Standard Contractual Clauses with data recipients outside the EEA or the United Kingdom
Verification that the recipient complies with binding corporate rules for the processing of personal data
We also ensure that all our international partners adopt additional measures to provide adequate safeguards, enforceable rights, and effective legal remedies. The role of these measures is to provide data subjects with additional assurances that data transfers under Standard Contractual Clauses or Binding Corporate Rules ensure a level of protection equivalent to that guaranteed in the European Union.
As a data subject, you have certain legal rights concerning your personal data that we collect and process. The Company respects your rights and ensures proper consideration of your interests.
Withdrawal of consent: If processing is based on your consent, you may withdraw it at any time.
Data rectification: If you find that we hold incorrect personal data, you may request correction at any time. We make reasonable efforts to keep personal data accurate, complete, and up to date, based on the latest information available to us.
Restriction of processing: You may request restriction of processing if: You contest the accuracy of the data for a period allowing us to verify it, Processing is unlawful and you request restriction instead of deletion, We no longer need your data, but you require it for the establishment, exercise, or defense of legal claims
Access to your data: You may request information about the personal data the Company holds about you, including the categories of data, purposes, sources (if not collected directly from you), and recipients. You are entitled to receive one copy of your personal data free of charge. We reserve the right to charge a reasonable fee for unfounded or excessive requests.
Right to data portability: Upon request, we will transfer your personal data to another controller, where technically feasible and if processing is based on a contract or steps taken at your request prior to entering into a contract. Instead of receiving a copy yourself, you may request that we transmit your data directly to another controller.
Right to erasure (“right to be forgotten”): You may request deletion of your personal data if: The data is no longer necessary for the purposes for which it was collected, You object to further processing, Processing was unlawful, You withdraw your consent on which processing was based.
Unless processing is required:
To comply with a legal obligation (such as statutory data retention requirements), For the establishment, exercise, or defense of legal claims.
Right to object: You may object to processing of personal data based on your specific situation. In such cases, we will stop processing unless we can demonstrate compelling legitimate grounds or require the data for legal claims. If you object, please indicate whether you want your personal data erased or only restricted.
Right to lodge a complaint: If you believe applicable privacy laws have been violated, you may lodge a complaint with the data protection supervisory authority.
Consent to the Processing of Communication and Other Data
I consent to the processing, transfer, and receipt of information regarding the provision and receipt of communication data (concerning the telephone numbers provided in my application when registering on the Website), banking, financial, and related services in order to receive consulting services from the Company.
I consent to receiving commercial electronic messages about the services of the Company and partner companies by email, SMS, messengers (Viber, WhatsApp, Telegram, etc.), social networks, or via my web browser.
This consent includes, but is not limited to, receiving information about new products, services, special offers provided by the Company or third parties, and other commercial messages.
I also consent (including with respect to previously sent materials) to receiving advertisements of services of the Company and other parties through telecommunications networks, including by phone, fax, or mobile communications, in any manner and to any extent.
I separately confirm my consent (including in relation to previously collected data) to the collection and processing of any technical information for the purposes stated above.
I grant the Company, the Lender (current or potential), the Aggregator and its partners, and third parties my consent and authorization to transfer, collect, store, use, obtain, distribute, and process any information about me: to banks, microcredit financial institutions, other financial institutions, the Aggregator, telecommunications market entities, and to any credit bureau in Spain, as well as to third parties, regarding the provision and receipt of telecommunications services, obtained from me and/or independently and/or from other persons, for the purpose of making a decision on concluding a contract with me, executing contractual relations, and related matters.
This consent is granted simultaneously to all of the above entities for multiple processing of my personal data.
This consent is granted for an unlimited period. If you wish to withdraw your consent for the processing of your personal data, you may do so at any time by sending an email to unsubscribe@ify.credit.
Withdrawal of your prior consent does not affect the lawfulness of processing carried out before the withdrawal.
Response time: The Company will attempt to resolve your request within 30 days. However, this period may be extended due to specific legal rights or the complexity of the request.
Inability to identify: In some cases, we may be unable to identify personal data due to a lack of identifiers provided in your request. If you do not provide additional identifying information, we may be unable to fulfill your rights request as described in this section.
To exercise your legal rights, please contact us in writing at:
gdpr@ify.credit