Privacy Policy for Займ онлайн на карту - INARI
Займ онлайн на карту - INARI ("we," "our," or "us") respects your privacy and is committed to protecting it through this Privacy Policy. This document explains how we collect, use, disclose, and retain your information when you use our mobile application ("App").
1. Information We Collect
We collect the following types of data to provide and improve our services. Please note that providing certain types of information, such as identification documents, is voluntary; however, if you choose not to provide them, some features (e.g., loan application and approval) may not be fully available.
1.1. Personal Information
- Name
- Email Address
- Phone Number
- Date of Birth
- Address
1.2. Financial Information
- Bank Account Details
- Credit History
- Employment Information
1.3. Identification Documents
- Photographs of Identification Documents (e.g., passport, driver’s license, or other government-issued ID) solely for identity verification.
Important: While these documents contain a face image, we do not extract or analyze biometric facial data. No facial recognition algorithms or biometric templates are created or stored.
2. How We Use Collected Information
We use your information to:
- Process and approve loan applications.
- Verify your identity to prevent fraud and ensure compliance with legal regulations, including applicable Russian laws (e.g., Federal Law on Personal Data).
- Comply with legal requirements (e.g., anti-money laundering regulations).
- Improve the functionality and security of our App.
3. How We Handle Identification Documents
The App requires users to upload photographs of their government-issued identification documents to:
- Verify the authenticity of the documents provided.
- Confirm that the document belongs to the applicant.
- Prevent fraudulent applications and misuse of our services.
Voluntary Provision: Providing identification documents is voluntary, but without them, we may not be able to verify your identity or provide certain loan-related services.
No Biometric Processing: We do not conduct facial recognition or use any biometric processing on the face image in the ID. The image is only used to confirm that the ID matches the applicant’s identity.
4. Data Sharing and Disclosure
We do not share your personal information, including uploaded identification documents, with any third parties except in the following circumstances:
- Service Providers: Trusted third-party vendors may assist in verifying the authenticity of identification documents. These vendors operate under strict confidentiality agreements and do not perform biometric analysis.
- Legal Obligations: We may disclose your information to law enforcement or regulatory authorities as required by applicable laws or legal processes.
5. Data Retention
- Uploaded Identification Documents: Retained only for the duration necessary to complete identity verification and fraud prevention processes, after which they are securely deleted. Typically, this retention period does not exceed 30 days.
- Other Personal Information: Retained for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable law.
6. Data Storage and Security
- Storage Location: All data is securely stored on servers located in Russia.
- Security Measures: We implement encryption, secure data transfer (using protocols such as HTTPS/TLS), access controls, and other security measures to protect your personal data and identification documents. We adhere to commonly accepted information security practices to prevent unauthorized access, disclosure, or misuse of your data.
7. User Rights and Control
You have the following rights regarding your data (in accordance with applicable law, including Russian legislation on personal data):
- Access and Correction: You can request access to your personal data and correct inaccuracies.
- Data Deletion: You can request the deletion of your personal data, including identification documents, subject to legal and regulatory obligations.
- How to Exercise Your Rights: To exercise these rights, please contact us at support@inari.bond. We will respond to your request within the timeframe required by applicable laws and regulations.
8. Compliance with Apple's Guidelines
To address Apple's specific concerns:
- What Data Is Collected?: We collect photographs of government-issued identification documents. We do not collect or process biometric or facial recognition data. The presence of a face image in these documents is incidental and used solely for identity verification.
- How Data Is Used?: Identification documents are used solely to verify the user's identity and prevent fraud.
- Data Sharing: Identification documents may be shared only with trusted service providers for verification, under strict confidentiality agreements.
- Data Retention: Identification documents are securely deleted after verification, typically within 30 days.
- Relevant Sections: Data collection is covered in 1.3 and 2, sharing in 4, and retention in 5.
9. Contact Information
If you have any questions about this Privacy Policy or how we handle your data, you can contact us at:
Email: support@inari.bond
10. Updates to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be reflected with a new effective date and communicated through the App. In the event of significant changes to how we handle personal data, we will provide a prominent notice within the App or via other appropriate communication channels to ensure that you are informed and can review the updated terms.