Privacy Policy

We respect our Users’ privacy. This Privacy Policy clarifies the following:

• What Personal Data is collected by finandos.com or provided by You, and the use of our Website and software applications.
• How Your Personal Data will be used, its storage, and protection of Your data rights.

Please read this Privacy Policy carefully.

Definitions and Interpretation

The following terms are used in this document:

• Data Controller: means a person (acting independently or jointly with others) that determines the purpose and procedure for processing certain Personal Data.
• Data Handler: means any person or entity that processes data on behalf of the Data Controller.
• "You", "Your", or "Data Subject":refers to the Website visitors, Users of our Services and applications, and potential or existing clients communicating with us by phone, via email or otherwise
• Personal Data: means any information relating to an identifiable person that can be directly or indirectly identified.
• Website: finandos.com, including all its Services and functions.

The term "Personal Data" includes various identifiers like name, ID number, location data, or online identifier, as defined in the Regulation (EU) 2016/679 (General Data Protection Regulation, GDPR) (where applicable).

Privacy Policy Changes

We may update this Privacy Policy periodically. Please review it regularly. If You disagree with any changes, please discontinue use of the website.

About Us (Data Controller Identification)

UAB GLOBAL AD LINKS is registered at Vilnius, Naugarduko g. 68-3, Lithuania, LT-03203 and operates as finandos.com, along with its affiliates and data handlers.

Personal Data Provided to Us

We collect information You voluntarily provide to enhance our Website, products, and Services. This includes data submitted through contact forms, account creation, or direct communication.

This information may be collected when You subscribe to our Services, participate in forums, promotions, surveys, use social network functions on our site, or report issues.

By accepting this Privacy Policy, You confirm that You have reached the age of majority or legal age in Your jurisdiction (usually 18 or older), are solely responsible for all Your actions, and fully understand the statements outlined in this Privacy Policy.

If You are an EU resident and we need Your consent for processing Your Personal Data as required by GDPR, we will only process it upon receiving Your freely given, specific, informed, and unambiguous indication of agreement (referred to as "Consent").

Consent can be given by ticking the respective box during account registration or when placing an order for our Services. By ticking this box, You consent to the processing of Your Personal Data as outlined in this policy and the relevant terms.

You may give Your consent to the processing of Your Financial data by checking the appropriate CoF (Credential on File) box when You place an order for the Services. If You check the appropriate box, You irrevocably and unconditionally agree that we are entitled to process Your Personal Data in accordance with Your Consent, as well as the other provisions of the CoF (Credential on File). Please read its provisions before ordering Services

Your Consent covers all processing activities with Your Personal Data carried out for the same purpose or purposes. When the processing has multiple purposes, Your Consent should be deemed given for all of them.

If You are not an EU Person, by transferring to Us Your Personal Data via the Software or otherwise, You irrevocably and unconditionally consent and agree that We shall be entitled, in accordance with this Policy:

• to process in any manner, including to collect, store, use, disclose, share and transfer (including cross-border), Your Personal Data so provided to Us, as well as Your Personal Data collected from Your use of the Service (i.e. Your Personal Data which We collect automatically and/or from other sources); and
• to use cookies and web beacons (pixel tags) to collect Your Personal Data.

Children

Our Services are not marketed to children. If You are under 18, You may use our Website only under the supervision of a person performing parental duties . We do not knowingly collect Personal Data from children under 18 without the consent of a person performing parental duties.

Information on Other People You Represent

If You provide us with Personal Data of others (e.g., for account creation or subscription to campaigns), You confirm that You have informed them about the purpose of using their data, its recipients, and their rights, and that You have obtained their consent.

Cookie Policy

Cookies are small files downloaded to Your device upon visiting a Website. They help us recognize Users’ device and improve our Website's functionality and speed.

We use cookies to personalize Your experience, track preferences, and enhance security. Here are some types of cookies we use:

• Authentication Cookies: These help us display relevant information and personalize Your activities on our Services.
• Session Cookies: These store Your session ID, allowing You to resume sessions without re-entering Personal Data.
• Security Cookies: Used for detecting malware and enhancing security.
• Preference Cookies: These adapt our site to Your preferences, such as language and communication settings.
• Performance and Analytics Cookies: Help us analyze and improve our website's performance.
• Third-Party Cookies: finandos.com sends cookies to Your device; Some third parties may send cookies to Your device. The purpose of this data processing is to track conversions and data transfer to related parties. This is necessary in order to perform the agreement concluded with third parties (our related parties) that use our Services (Art. 6, part 1, lit. b) of GDPR Regulation). Our legitimate interests constitute a legal basis for such processing. Note: We never share personal information with third parties.

We use session, permanent, and external advertising cookies, including those from our partners and Service providers.

Below is a detailed list of the cookies we use on our website:

Domain	finandos.com
Cookie name	XSRF-TOKEN
Cookie lifetime	1 hour
Description of the Cookie purpose	Provides protection against Cross-Site Request Forgery (XSRF) attacks
Domain	finandos.com
Cookie name	production_Finandos_session
Cookie lifetime	1 hour
Description of the Cookie purpose	Enables the API server to maintain technical data between frontend-backend requests.
Domain	finandos.com
Cookie name	production-visit
Cookie lifetime	1 hour
Description of the Cookie purpose	Identifies unique visits of clients to the website.
Domain	finandos.com
Cookie name	remember_web
Cookie lifetime	180 days
Description of the Cookie purpose	Used by Tailwind UI components package to track product usage.
Domain	finandos.com
Cookie name	[Random String Name]
Cookie lifetime	1 hour
Description of the Cookie purpose	Laravel Sanctum Authentication mechanism cookie, used to verify if a client is eligible to access services.

Domain	Cookie name	Cookie lifetime	Description of the Cookie purpose
finandos.com	XSRF-TOKEN	1 hour	Provides protection against Cross-Site Request Forgery (XSRF) attacks
finandos.com	production_Finandos_session	1 hour	Enables the API server to maintain technical data between frontend-backend requests
finandos.com.com	production-visit	1 hour	Identifies unique visits of clients to the website
tailwindui.com	remember_web	180 days	Used by Tailwind UI components package to track product usage
finandos.com	[Random String Name]	1 hour	Laravel Sanctum Authentication mechanism cookie, used to verify if a client is eligible to access services.

What to do if You do not want to set cookies or want to delete them?

Most browsers are set to automatically accept cookies, but You have the option to change this. You can adjust Your browser's security settings to block cookies, only accept cookies from trusted Websites, or receive notifications before a cookie is stored. You can also delete cookies already stored in Your browser at any time, which will remove the information they contain from Your device. Please note, changing these settings may impact Your experience on Websites.

Browser manufacturers typically provide detailed instructions on cookie management. Below are links to the support pages of some common browsers for more information:

• Google Chrome
• Internet Explorer
• Mozilla Firefox
• Safari (Desktop)
• Safari (Mobile)
• Android (Application)
• Opera
• Opera Mobile

For information on managing cookies in other browsers, please refer to the browser manufacturer's documentation.

Opting Out of Cookies

You can opt out of third-party Google Analytics cookies on their Website. Additionally, You can opt out of personalized targeting provided by ad servers through the Digital Advertising Alliance. To avoid personalized ads on mobile devices, You can adjust Your iPhone, iPad, or Android device settings.

Information on Third Parties We Receive

We may receive non-identification information from third parties, which we protect as per the terms of this policy and any additional restrictions imposed by the data source.

We place ads on partner Websites and networks, creating segments based on non-Personal Data for targeted advertising. For example, if You show interest in clothing, You may see related ads. We also collect data on ad requests and impressions, like number, geographic targeting (without precise location data), and related activities, for analysis and reporting purposes. We do not profile guests’ activities.

Where Do We Store Information?

We are committed to protecting Your privacy and personal information. We use a blend of technology, procedures, and administrative security measures to safeguard Your data from unauthorized access, use, or disclosure.

Our authorized Service providers (data handlers) complement our Services and are bound by confidentiality agreements and General Data Protection Regulation compliance. These providers may include Services from hosting providers, information technology providers, data protection and cybersecurity Service, web analytics Services, mailing and email monitoring, marketing Services. They process Your data strictly according to our instructions and do not use it for their own purposes.

Your Personal Data may be processed within the European Economic Area. Upon termination of their Services, data handlers are required to return or transfer data as per our instructions and delete any copies in their possession, unless required to retain them for legal or administrative reasons.

Unless a longer Personal Data storage and usage period is required or justified by law or by compliance with another legal obligation, we shall only retain your Personal Data for the period that is necessary to achieve and fulfill the objectives.

You have the right to withdraw Your Consent at any time. Refer to the "Your Rights" section for more details.

Legal Framework and Objectives for Using Your Personal Data

Our data processing complies with national regulations and rules.

For those in the European Economic Area (EEA), privacy rights are granted and all processing of Personal Data is performed in accordance with regulations and rules following the General Data Protection Regulation (GDPR).

We process Personal Data as a Controller, as defined in the General Data Protection Regulation. Legal basis:

i) the performance of Our contract with You (i.e. the provision of Our Services to you);

ii) our legitimate business interests (i.e. for fraud prevention, maintaining the security of Our network and Services, seeking to improve the Services that We provide and Your interaction with us). Whenever We rely upon this lawful basis We assess Our business interests to make sure that they do not override Your rights. Furthermore, in some cases You have the right to object to this processing;

iii) with Your consent for direct marketing purposes so that We may keep You fully up to date with other products and Services that We supply and think may be of interest to you. Where We rely upon consent, We will need Your explicit consent, which may be removed at any time;

iv) law purposes.

The main purposes of using the collected data are described in more detail below.

1. We will use the information provided by You for better performance, and we will do our best to process Your request. The Agreement and Your consent constitute a legal basis for data processing.

1.1 At the request of the Data Subject, complete a number of steps before providing the requested Service.

1.2 Coordinate interaction with you, analyze application and profile data, comply with the terms and conditions of our agreement and send Your Personal Data to private lenders.

2. Upon termination of our contractual relationship, we can store Your information as long as possible to fulfill our obligations and legal obligations in accordance with our legitimate interests as the Data Controller. Legal obligation constitutes legal basis for such information storage. As the Data Subject, You have the rights related to Your Personal Data storage and processing. See Your Rights section.

3. Develop and conduct marketing activities; find out how customers use products and Services provided by us and other organizations; discuss our products and Services with you. Our legitimate interests and Your consent constitute legal basis for such data processing.

3.1 If You do not want to receive such advertising emails, You may withdraw Your consent at any time by contacting us as described in Your Rights section or by clicking "Unsubscribe" following the instructions or instructions You receive from advertising materials. However, in this case, we will not be able to perform our agreement and properly inform You about loans available.

4. Website Improvement

For example, we can automatically use the data collected, such as IP address and browser data, to improve our Website:

4.1 For the Website administration and internal operations, including data protection, diagnostics, testing, statistics and analysis.

4.2. To ensure the content presentation on the Website in the most effective way for You and Your device. Our legitimate interests constitute a legal basis for such data processing.

Information Disclosure to Third Parties

We do not lease, sell, or transfer Your Personal Data without Your consent, except to provide requested products or Services, or in specific circumstances such as legal requirements or company restructuring. Trusted partners (Data Handlers) may process Your data under confidentiality agreements but cannot independently use or disclose this information.

Disclosure may also occur:

• If legally required or to address fraud and safety concerns.
• In the event of a company acquisition or management change, with notification provided to you.
• With Your permission, to private creditors as detailed in the "Legal Framework and Objectives" section.

We may also disclose data to law enforcement agencies for legal compliance, fraud prevention, or national security.

Under the EU General Data Protection Regulation (GDPR), You have several rights regarding your Personal Data:

1) The right to be informed about Our collection and processing of Your Personal Data including without limitation the legal basis for the collection and processing, the categories of data, the methods of data use, the envisaged period for which the Personal Data will be retained. This Privacy Policy should tell You everything You need to know, but You can always contact Us to find out more or to ask any questions.

2) The right to access Your Personal Data We collect about you, commonly referred to as “Subject Access Requests”, which provides you, as the data subject, the right to obtain a copy of Your Personal Data that We are processing for You

Pursuant to GDPR We are required to respond without undue delay to all Subject Access Requests in practice this means We have to respond within 1 month of receipt of the Subject Access Request.

Ordinarily Subject Access Requests are free of charge.

We may extend the time period for responding to a Subject Access Request by a further two months and may charge a reasonable fee if We deem the request to be manifestly unfounded or excessive, however, We are required to advise You of Our intention to do this within 1 month of Your subject access request.

Should You wish to make a Subject Access Request this can be done by contacting the Company using the contact details in Section 9.

3) The right to have Your Personal Data rectified if any of Your Personal Data that We collect and process is in any way inaccurate or incomplete.

4) The right of erasure (otherwise known as “the right to be forgotten”), i.e. the right to ask Us to delete or otherwise dispose of any of Your Personal Data that We process. Please note that this is not an absolute right, and We may not be able to comply with Your request as We may be legally obliged to continue to retain Your Personal Data for a specific period

5) The right to restrict (i.e. prevent) the processing of Your Personal Data by us.

6) The right to object to Us processing Your Personal Data for a particular purpose or purposes. Please note that the right to object only applies in certain circumstances and will depend on the purposes or legal basis for the processing.

7) The right to data portability. This only applies where You have provided Personal Data to Us directly, the legal basis for Us processing Your Personal Data is i) consent or ii) for the performance of a contract, and We are processing Your data using automated means. In such instances You have the right to receive Your Personal Data (or request that We transfer it to another Controller) in a structured, commonly used and machine-readable format.

8) Rights relating to automated decision-making and profiling. We do not use Your Personal Data in this way.

9) The right to lodge a complaint with any relevant Data Protection Authority, in particular in the member State of Your residence, place of work or the place of processing Your Personal Data.

If You wish to exercise any of the aforementioned rights, please contact us. We request that in the first instance You contact Our data protection officer at any time by submitting a request on the Contact Us page.

Future updates to our Privacy Policy will be posted on our app and website. Where appropriate, we will notify You of these changes on Your next website visit.

This Privacy Policy was last updated on 15.01.2024.