Privacy Policy

We respect our clients' 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: A person or entity that determines the purposes and means of processing personal data.
• Data Handler: Any person or entity that processes data on behalf of the Data Controller.
• Data Subject: Refers to site visitors, users of our services and applications, and potential or existing clients interacting with us.
• Personal Data: Any information relating to an identifiable person that can be directly or indirectly identified.
• Web Site: 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 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.

Personal Data: Last name, name, login, password, resident address

When We Collect: During the registration procedure.

How We Use: Your personal and contact information are used to register you as a user and identify you in our services. Your login and password are used for account access.

Why We Use: Necessary for the performance of a contract with you.

Personal Data: Information about your age

When We Collect: During the registration procedure.

How We Use: To ensure the legal use of our services.

Why We Use: Necessary to comply with a legal obligation.

Personal Data: Email, phone number

When We Collect: During the registration procedure.

How We Use: Your email is used for account recovery, to notify you about changes to terms or policies, and for communication. It's also used for sending updates and marketing communications if you've subscribed.

Why We Use: Necessary for the performance of a contract with you, and with your explicit consent for marketing communications.

Personal Data: Information in the application form

When We Collect: When you fill out an application form.

How We Use: For processing your application and facilitating prompt interactions with credit institutions.

Why We Use: Necessary for the performance of a contract with you.

Personal Data: Name, surname, patronymic, residential address

When We Collect: During the registration procedure.

How We Use: As part of our due diligence/KYC procedures to verify your identity in our services.

Why We Use: Necessary to comply with a legal obligation.

Personal Data: Data on the use of our services, links

When We Collect: When you use our services.

How We Use: To improve customer experience and provide tailored services.

Why We Use: Necessary for our legitimate interests.

Personal Data: Unique identifiers, browser and device information, IP address

When We Collect: When you use our services.

How We Use: To optimize our service and improve our website, services, marketing, user relationships, and behaviour profiling.

Why We Use: Necessary for our legitimate interests.

Personal Data: Financial data (credit card details, transactional information)

When We Collect: When you use our services.

How We Use: To provide subscription-based services, as specified in our Public Offer. Review our Tariff and Return Policy for more details.

Why We Use: Necessary for the performance of a contract with you, to comply with a legal obligation, and for our legitimate interests.

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 responsible for your actions, and 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.

Children

Our services are not marketed to children under 18. If you are under 18, you may use our website only under the supervision of a guardian. We do not knowingly collect Personal Data from children under 18 without parental consent.

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 use of 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 your 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: Used for tracking conversions and data transfer. Note: We do not 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:

Cookie: XSRF-TOKEN

Domain: finandos.com

Lifetime: 1 hour

Purpose: Provides protection against Cross-Site Request Forgery (XSRF) attacks.

Cookie: production_Finandos_session

Domain: finandos.com

Lifetime: 1 hour

Purpose: Enables the API server to maintain technical data between frontend-backend requests.

Cookie: production-visit

Domain: finandos.com

Lifetime: 1 hour

Purpose: Identifies unique visits of clients to the website.

Cookie: remember_web

Domain: tailwindui.com

Lifetime: 180 days

Purpose: Used by Tailwind UI components package to track product usage.

Cookie: [Random String Name]

Domain: finandos.com

Lifetime: 1 hour

Purpose: 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 user 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 GDPR compliance. These providers may include hosting, IT, data protection, web analytics, email, and 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.

We store your Personal Data as long as your account is active or as needed to provide you services, subject to your consent. You have the right to withdraw consent for receiving inventory notices 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, for those in the European Economic Area (EEA), with GDPR guidelines.

We process Personal Data under the following legal bases:

1. Contractual necessity for the provision of our services.
2. Our legitimate business interests, such as fraud prevention and service improvement. We ensure that these interests do not override your rights.
3. Your explicit consent for direct marketing purposes. You can withdraw this consent at any time.
4. Compliance with legal obligations.

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) Right to be Informed

You have the right to be informed about the collection and processing of your personal data. This Privacy Policy provides detailed information, but you can contact us for further clarification.

2) Right to Access

You have the right to access your personal data that we process, also known as "Subject Access Requests." We are required to respond to these requests within one month.

Subject Access Requests are typically free unless deemed unfounded or excessive. In such cases, we may extend the response time by two months and charge a fee, notifying you within one month of your request.

To make a Subject Access Request, contact us using the details provided in Section 9.

3) Right to Rectification

If your personal data is inaccurate or incomplete, you have the right to have it rectified.

4) Right to Erasure

Also known as "the right to be forgotten," this allows you to request the deletion of your personal data. Note that this is not an absolute right, and we may need to retain data for legal reasons.

5) Right to Restrict Processing

You have the right to restrict the processing of your personal data.

6) Right to Object

You can object to the processing of your personal data, depending on the purpose or legal basis for processing.

7) Right to Data Portability

This applies when the processing is based on consent or a contract, and the data is processed automatically. You can request to receive or have your data transferred to another controller in a structured, commonly used, and machine-readable format.

8) Rights Related to Automated Decision-Making and Profiling

We do not use personal data for automated decision-making or profiling.

9) Right to Lodge a Complaint

You can lodge a complaint with a Data Protection Authority, especially in your residence state, place of work, or where the alleged infringement occurred.

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.