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Confidential policy

Almaty

The present Confidential Policy (hereinafter referred to as the Confidential Policy) is applied to all information that First Credit Bureau LLP (hereinafter referred to as the FCB), placed on the www.1cb.kz domain name, can receive about the User during the use of the FCB site, programs and products of the FCB.

Definition of terms

The following terms are used in this Confidential Policy:

  • Administration of the FCB site (hereinafter referred to as Site Administration) is the authorized employees on site management, acting on behalf of the FCB, who organize and (or) perform personal data processing, and define the purposes of personal data processing, the content of personal data to be processed, actions (operations) performed with personal data.
  • Personal data means any information related directly or indirectly to a particular or defined individual (subject of the personal data).
  • Personal data processing means any action (operation) or set of actions (operations) performed using automation tools or without using such means with personal data, including collection, recording, systematization, accumulation, storage, amendment, addition, use, distribution, adjustment (updating, modification), extraction, use of depersonalization, blocking and destruction of personal data.
  • Confidentiality of personal data is the requirement mandatory for compliance by the FCB or other persons who have access to a personal data to prevent their distribution without the consent of the subject of personal data or other legal grounds.
  • Confidential Information means information about persons, objects, facts, events, phenomena and processes, regardless of the form of their presentation, with a special protection mode.
  • User of the FCB Site (hereinafter referred to as the User) is a person who has access to the Site, through the Internet and using the FCB Site.
  • Cookies means a small piece of data sent by a web server and stored on the computer of the User that the web client or web browser sends to the web server each time in the HTTP request when they try to open the page of the corresponding site.
  • IP-address means a unique network address of a node in a computer network built via the IP protocol.
  • EDS is a set of electronic digital symbols created by means of electronic digital signature and confirming the authenticity of the electronic document, its ownership and consistency of content.

General provisions

  • Use of the FCB site by the User means acceptance of this Confidential Policy and the terms of processing of the User's personal data.
  • In the event of disagreement with the terms of the Confidential Policy, the User shall stop using the FCB site.
  • This Confidential Policy is applied only to the FCB site. The FCB does not control and is not responsible for the websites of third parties to which the User can go using the links available on the FCB site.
  • The administration of the site does not verify the authenticity of the personal data provided by the User of the FCB site.

Confidential Policy Subject

  • The present Confidential Policy establishes the obligations of the FCB Site Administration to disclose and protect the confidentiality of personal data that the User submits upon the request of the Site Administration when registering with the FCB site, when ordering FCB services or upon any other use of the User's personal data on the FCB site.
  • Personal data authorized for processing under this Confidential Policy is provided by the User by completing the registration form on the FCB site in the My Profile section and includes the following information:
    • Surname, name, patronymic of the User;
    • contact telephone number of the User;
    • mailing address (e-mail);
    • Individual Identification Number (IIN);
    • place of residence of the User;
    • other identification data.
  • The FCB protects data that is automatically transmitted during the viewing of ad units and when visiting pages on which the statistical system script ("pixel") is installed:
    • IP address;
    • information from cookies;
    • information about the browser (or other program that accesses the display of advertising);
    • access time;
    • address of the page on which the ad unit is located;
    • referrer (address of the previous page).
    • disabling cookies may result in the inability to access parts of the FCB site that require authentication.
    • the FCB collects statistics about the IP addresses of its visitors. This information is used to identify and solve technical problems, to monitor the legality of payments.
  • Any other personal information not specified above (the history of the provision of FCB services, browsers and operating systems used, etc.) is subject to secure storage and non-distribution, except as provided in the paragraph Methods and terms of processing personal information of the present Confidential Policy.

Purposes of the collecting personal data of the User

The site Administration of the FCB may use the personal data of the User for the following purposes:

  • Identification of the User registered on the site of the FCB, for processing the application and (or) processing the transaction remotely with the FCB.
  • Granting the User access to the personalized resources of the FCB Site.
  • Establishing feedback with the User, including sending notifications, requests regarding the use of the FCB Site, rendering services, processing requests and applications from the User.
  • Determination of the location of the User for ensuring security, preventing fraud.
  • Confirmation of the authenticity and completeness of personal data provided by the User.
  • Creation of an account for receiving the services of the FCB. In this case, the User agrees to create an account by creating a user account on the FCB site.
  • Notification of the User of the FCB Site on the status of the FCB services execution.
  • Notification of the User according to the services provided by the FCB.
  • Processing and receipt of payments, confirmation of tax or tax benefits, disputing payment, determining the credit capacity of the User.
  • Providing the User with effective client and technical support in case of problems related to the use of the FCB Site.
  • Providing the User with updated product, special offers, information on prices, newsletters and other information on behalf of the FCB or on behalf of the partners of the FCB.
  • Implementing of advertising activities.
  • Granting the User access to the sites or facilities of the FCB partners in order to obtain products, updates and services.

Methods and terms of processing personal information

  • The processing of the User's personal data is carried out without any time limit, in any legal way, including in personal data information systems using automation tools or without using such means.
  • The User agrees that the Site Administration has the right to transfer personal data to third parties, in particular by courier services, postal organizations, telecommunication operators, solely for the purpose of providing services to the User registered on the FCB Site.
  • The personal data of the User can be transferred to the authorized bodies of the government of the Republic of Kazakhstan only on the grounds and in the order established by the legislation of the Republic of Kazakhstan.
  • In case of loss or disclosure of personal data, the Site Administration informs the User about the loss or disclosure of personal data.
  • The Site Administration takes necessary organizational and technical measures to protect the User's personal data from unauthorized or accidental access, destruction, amendment, blocking, copying, distribution, as well as from other illegal actions of third parties.
  • The Site Administration together with the User takes all necessary measures to prevent losses or other negative consequences caused by the loss or disclosure of the personal data of the User.

Obligations of the parties

  • The User shall:
    • Provide information about the personal data required to use the FCB Site.
    • Update, supplement the provided information about personal data in case of changing this information.
  • The Site Administration shall:
    • Use the information received solely for the purposes indicated in the Purposes of the collecting personal data of the user section of the present Confidential Policy.
    • Ensure that confidential information is kept secret, not disclose without the prior written permission of the User, and also not sell, exchange, publish or disclosure in other possible ways of the transmitted personal data of the User, except for the clause Methods and terms of processing of personal data of the Confidential Policy.
    • Take precautions to protect the confidentiality of the User's personal data in accordance with the procedure normally used to protect such information in the existing business practice.
    • Block the personal data relating to the relevant User from the moment of appeal or request of the User or his legal representative or authorized body for protection of the rights of subjects of personal data for the verification period, in case of revealing unreliable personal data or illegal actions.
  • Any other personal information not specified above (the history of the provision of FCB services, browsers and operating systems used, etc.) is subject to secure storage and non-distribution, except as provided in the paragraph Methods and terms of processing personal information of the present Confidential Policy.

Liability of the parties

  • The Site Administration that has not fulfilled its obligations is liable for losses incurred by the User in connection with the misuse of personal data in accordance with the legislation of the Republic of Kazakhstan, with the exception of cases provided for in paragraph Methods and terms of processing personal information and clause Liability of the Parties of the present Confidential Policy.
  • In case of loss or disclosure of Confidential Information, the Site Administration is not responsible if this confidential information has been:
    • Become publicly available before it is lost or disclosed.
    • Received from a third party before it was received by the Site Administration.
    • Disclosed with the consent of the User.
  • The User is obliged to ensure the release / access to the EDS of the User only to his authorized employees. In this regard, the Site Administration is not responsible for the issuance / provision of the User's EDS to its employees (authorized / empowered persons) and / or transfer to other persons and / or untimely withdrawal of EDS of such persons.

Disputes settlement

  • Prior to applying to the court with a claim for disputes arising from the relationship between the User of the FCB site and the Site Administration, it is mandatory to file a claim (a written proposal for the amicable settlement of the dispute).
  • The receiver of the claim within 30 calendar days from the date of receipt of the claim, notifies in writing the applicant of the claim about the results of the examination of the claim.
  • If the agreement is not reached, the dispute will be referred to the judicial authority in accordance with the current legislation of the Republic of Kazakhstan.
  • The current legislation of the Republic of Kazakhstan is applied to the Confidential Policy and the relationship between the User and the Site Administration.

Additional provisions

  • The Site Administration has the right to amend the present Confidential Policy without the consent of the User.
  • The new Confidential Policy comes into effect from the moment it is posted on the FCB Site, unless otherwise provided for in the new edition of the Confidential Policy.
  • All offers or questions on the present Confidential Policy shall be reported to Contacts
  • The current Confidential Policy is posted on the page at www.1cb.kz/policy.

Updated: June 27, 2016