Privacy policy
1. Introduction
DynaCredit (hereinafter referred to as the «Service,» «we,» «our») respects your privacy and is committed to protecting your personal data. This Privacy Policy describes how we collect, use, disclose, and protect information when you use our platform to submit loan applications through partner websites.
2. Information We Collect
We collect information you provide directly when filling out a loan application via the MSP (Merchant Service Provider) form, as well as automatically when using the Service.
Information You Provide:
Personal Data: Full name, date of birth, passport or other identification document details.
Contact Information: Phone number, email address.
Financial and Credit Information: Income data, employment details, loan application parameters (amount, term).
Consents: Your consent to the processing of personal data and credit history verification.
Information Collected Automatically:
Technical Data: IP address, browser type, device information.
Usage Data: Your interaction history with the form, timestamps.
3. How We Use Your Information
We use the collected information for the following purposes:
Transfer to Partner Banks: The primary purpose is to transfer your application and data to the chosen lending bank for review and a decision on loan issuance.
Verification and Security: To verify the provided data, prevent fraud, and ensure the security of the Service.
Communication with You: To inform you about your application status and, with your consent, for marketing communications.
Service Improvement: To analyze data for improving the platform’s functionality and user experience.
4. Who We Share Your Information With
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Partner Banks: Your data, in the full scope necessary for reviewing the loan application, is transferred to the lending bank. Further data processing is governed by the respective bank’s privacy policy.
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Partners (Retailers): We may inform the partner on whose website the application was submitted about the general application status (e.g., «approved»/»denied») to complete the purchase process.
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Technical Suppliers: We may engage third-party companies to provide services on our behalf (hosting, analytics). These suppliers have access to data only to the extent necessary to perform their functions.
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Legal Requirements: We disclose information if required by law or to protect our rights and safety.
5. Data Security
We implement a comprehensive set of security measures to protect your data, including:
Encryption: Use of modern encryption protocols (SSL/TLS) for data transmission.
Access Control: A role-based access system for employees and partners.
Compliance with Standards: Our operations comply with the requirements of applicable data protection legislation.
6. Your Rights
You have the right to:
Access your personal data.
Rectify inaccurate information.
Request the deletion of your data, unless otherwise stipulated by law or contract.
Withdraw your consent to data processing.
Restrict processing and object to processing.
To exercise these rights, please contact us using the details provided below.
7. Use of Cookies
We use cookies and similar technologies to:
Ensure the proper functioning of the Service.
Store your preferences and simplify interaction with the platform.
Analyze Service usage and improve the user experience.
Provide personalized offers and marketing materials (with your consent).
You can manage cookie settings through your browser preferences. Restricting the use of cookies may affect the functionality of the Service.
8. Contact Us
If you have any questions about this Privacy Policy, please contact us at: info@sqilsoft.by