FINANSOVA OFERTA TOV ("Finansova Oferta", "we") provides financial leasing, lending and other financial services. Financial companies are required by law to identify clients, assess their creditworthiness and keep records, so we process more personal data than most businesses. This policy explains what, why and for how long, in accordance with the Law of Ukraine "On Personal Data Protection", the Law of Ukraine "On Prevention and Counteraction to Legalisation (Laundering) of Proceeds of Crime", the Law of Ukraine "On the Organisation of Formation and Circulation of Credit Histories", and the GDPR where applicable.

1. Controller

FINANSOVA OFERTA TOV, 20 Maksyma Berlinskoho St., office 3, Kyiv, 04060, Ukraine. Director: Vadym Kyrychenko. Contact: support@finansovaofertatov.asia.

2. What we collect

• Identification data: full name, date of birth, passport or ID card details, tax number, registration address, for applicants, entrepreneurs, directors, guarantors and beneficial owners of client companies.
• Financial data: income, financial statements, bank statements, existing obligations, and information from credit bureaus.
• Collateral and asset data: details of leased assets, pledged property and vehicles, valuation reports and insurance policies.
• Contract data: agreements, payment schedules, payments and arrears.
• Communication records: correspondence and notes of calls about your application or agreement.

3. Why we process it

• To assess applications and your ability to repay (steps before a contract, legal obligation to lend responsibly).
• To identify and verify clients and their beneficial owners, and to monitor transactions for money laundering and sanctions risks (legal obligation).
• To conclude and administer leasing and loan agreements, including collecting payments (contract).
• To report to the National Bank of Ukraine and other authorities as required by law (legal obligation).
• To enforce our rights in case of non-payment (legitimate interest).

4. Credit history

With your consent, which is part of the application, we request your credit history from credit bureaus and transfer information on your agreement and payments to them. This affects your ability to obtain financing from other lenders in future. You may request your credit history from the bureau free of charge as provided by law.

5. Automated decisions

We use scoring tools to support assessment, but every final decision on an application is reviewed by an employee. You can ask for an explanation of a decision and express your point of view.

6. Recipients

Credit bureaus, the National Bank of Ukraine and the State Financial Monitoring Service when required, suppliers of leased assets (details of the agreement needed to deliver the asset), insurers, notaries and state registrars for pledges, banks, auditors and, in case of default, collection agencies and courts in compliance with the law. We do not sell personal data.

7. Retention

• Identification and financial monitoring records: at least 5 years after the end of the business relationship.
• Agreements and payment records: 5 years after full repayment, or longer if required by accounting law.
• Rejected applications: 1 year, to prevent repeated fraudulent applications.

8. Security

Client files are held in encrypted systems with role-based access and audit logs. Employees handling client data sign confidentiality undertakings, and information constituting banking or financial secrecy is protected in accordance with the law.

9. Your rights

You may access, correct and request deletion of your data (subject to legal retention), restrict or object to processing, request a portable copy and withdraw consent. Withdrawing consent does not affect processing we are legally required to carry out. We reply within 30 days. You may complain to the Ukrainian Parliament Commissioner for Human Rights or, for financial services matters, the National Bank of Ukraine.

10. Cookies

This website does not use tracking or advertising cookies. The payment calculator runs entirely in your browser and does not send data to us.

11. Changes

Updates will be posted on this page.