1. DEFINITION OF TERMS 1.1 The following terms are used in this Data Protection Policy:
1.1.1 "Site Administration" - employees authorized to manage the site, acting on its behalf, which organizes and/or conducts personal data processing, define the purpose of personal data processing, the scope of personal data to be processed, actions (operations) performed with personal data.
1.1.2. "Personal data" means any data relating directly or indirectly to a specific or identifiable individual (personal data subject).
1.1.3. "Personal data processing" - any action (operation) or set of actions (operations) performed with or without automation means, including collection, recording, systematization, accumulation, storage, clarification (update, change), extraction, use, depersonalization, transfer at the request of the court, including to third parties, in compliance with measures ensuring the protection of personal data from unauthorized access, blocking, deletion, destruction of personal data.
1.1.4. "Confidentiality of personal data" - a mandatory requirement for the Operator not to allow its dissemination without the consent of the subject of personal data or availability of other legal grounds.
1.1.5. "Site User" means a person accessing and using the site via the Internet.
1.1.6. "Cookies" - is a small piece of data sent by a web-server and stored on the User's computer, which a web-client or a web-browser sends to a web-server in HTTP-request whenever trying to open a page of the corresponding site.
1.1.7. "IP-address" - the unique network address of a node in an IP-based computer network.
2. GENERAL PROVISIONS
2.1 This Privacy Policy of personal data (hereinafter - Privacy Policy) applies to all the information posted on the website at
https://pvubank.com (hereinafter - the Site), which the visitors, other users can obtain about the User while using the site, its services, programs and products.
2.2 Use of the Site's services means the User's unconditional consent to this Policy and the terms of processing his personal information specified therein; in case of disagreement with these terms, the User must refrain from using the services.
2.3 For this Policy, personal information of the User shall mean:
2.3.1 Personal information, which the User provides about himself/herself when registering (creating an account) or using the Services, including the User's personal data. Mandatory for the provision of Services, the information is marked in a special way. The User provides other information at his discretion.
2.3.2 The data which are automatically transmitted to the Services during their use with the help of the software installed on the User's device, including the IP address, cookie data, information about User's browser (or any other program with which the User accesses the Services), technical characteristics of the equipment and software used by the User, date and time of access to the Services, addresses of requested pages and other similar information.
2.3.3 Other information about the User, the processing of which is stipulated by the Agreement on the use of the website.
2.3.4. This Privacy Policy only applies to the Site
https://pvubank.com. The Site has no control over and is not responsible for third parties' websites, which can be accessed via the links available on the Site.
3. PURPOSES OF PERSONAL DATA PROCESSING 3.1 The Site collects and stores personal data only as necessary for providing services or executing agreements and contracts with the User, except for cases when the law requires mandatory storage of personal data for the period specified by law.
3.2 The Site processes the User's personal data for the following purposes:
3.2.1 Identification of the User, registered on the Site, for providing services or performance of agreements and contracts with the User.
3.2.2 Providing the User with access to the personalized resources of the Site.
3.2.3 Establishment of feedback with User, including sending notices, requests regarding use of the Website, provision of services, processing of claims and applications from the User.
3.2.4 Defining the User's location for security purposes, fraud prevention.
3.2.5 Confirming the accuracy and completeness of the personal data provided by the User.
3.2.6. Providing effective customer and technical support to the User when there are problems associated with the use of the Site.
3.2.7. Performing advertising activities with the User's consent.
4. TERMS OF PERSONAL DATA PROCESSING AND ITS TRANSFER TO THIRD PARTIES 4.1 The Site stores its users' personal data in compliance with the particular service's internal regulations. Processing of the User's personal data shall be performed without time limitations, in any lawful way, including information systems of personal data with or without the use of automation tools.
4.2 The User's personal data is kept confidential, except when the User voluntarily provides information about him/herself for general access to an unlimited number of people. When using particular services, the User agrees that certain portions of their personal information will become publicly available.
4.3 The Site has the right to transfer the User's personal information to third parties in the following cases:
4.3.1. The User has expressed consent to such actions.
4.3.2 The transfer is driven by the need for the User to use a particular service or the performance of a particular agreement or contract with the User.
4.3.4 The transfer is provided by the Russian or other applicable law in the framework of the procedure established by law.
4.3.5 In case of sale of the Website, all obligations to comply with the terms of this Policy in relation to personal data received by the Buyer shall pass to the Buyer.
4.4 Processing of the User's personal data shall be carried out without limitation of time by any lawful means, including personal data information systems with or without the use of automation tools. Processing of users' Personal Data is made in compliance with the Federal Law dated July 27, 2006, N 152-FZ "On Personal Data."
4.5 In case of loss or disclosure of personal data, the Website Administration shall inform the User of the loss or disclosure of personal data.
4.6 The Website Administration shall take the necessary organizational and technical measures to protect the User's personal data from unauthorized or accidental access, destruction, modification, blocking, copying, distribution, and other unlawful acts of third parties.
4.7 The Website Administration, together with the User, shall take all necessary measures to prevent losses or other negative consequences caused by the loss or disclosure of the User's personal data.
5. COOKIE FILES 5.1 Cookies are small text files stored on the User's computer when visiting certain web pages and enable the Site to work more efficiently. Cookies do not contain any personal data about the User and cannot be used to identify an individual user. A cookie often includes a unique identifier, an unknown number (randomly generated) stored on the User's device. Some files are deleted at the end of the session on the Site, others remain on the User's computer long time.
5.2 The cookies used on the Site cannot damage the User's computer in any way. Our company does not store personally identifiable information, such as credit card data, in cookie files, but the Administration of the Site uses the encrypted data received through cookie files to ensure the best user experience. In particular, cookies are used to recognize and correct errors or identify services related to the User requests when browsing the Site.
5.3 Cookies Used on the Site:
5.3.1 Our own cookies, which are sent to the User's computer and processed by the Site Administration solely to improve the Site, as well as third-party cookies, which are used as a tool to analyze the User's interaction with the Site. The data obtained through these cookies improve the links to the pages and provides the User with better services.
5.3.2 Session and permanent cookies. Sessional files save data only during the User's stay on the Site, while permanent files save data to the terminal so that it can be used for more than one session.
5.3.3 Third-party cookies set by other companies whose services we use. For example, we use third-party analytics services, and the providers of those services set cookies on our behalf to tell us which sections of our Site are popular and which are not. The Site the User visits may contain content downloaded from, for example, YouTube, and these sites may set their own cookies.
The site administration has no control over and is not responsible for third-party cookies. More information can be found on the developer's website.
5.4 By accessing and staying on the Site, the User consents to use the cookies mentioned above within the terms and conditions listed in the cookie policy.
5.5 The User can withdraw consent to the data processing carried out by the cookie policy at any time. To do this, it is necessary to delete the cookies stored on the User's computer, using the Internet browser settings used by the User.
5.6 The User can limit, block, or delete any website's cookies by using the browser for this purpose. More information about cookies is provided on the website
www.allaboutcookies.org, which contains details about cookies and the possibilities of blocking them in different types of browsers.
6. OBLIGATIONS OF THE PARTIES 6.1 The User shall:
6.1.1 Provide personal data necessary to use the Website.
6.1.2 Update, supplement the provided data in case of changes in such data.
6.2 The Website Administration shall:
6.2.1 Use the received data solely for the purposes specified in this Privacy Policy.
6.2.2 Keep confidential data secret, and not disclose it without prior written permission of the User, as well as not to sell, exchange, publish or disclose in any other ways the User's personal data, except as provided in this Privacy Policy.
6.2.3 Take precautionary measures to protect the confidentiality of the User's personal data, according to the procedure generally used for personal data protection with the accepted business practices.
6.2.4 To block personal data, related to the relevant User, from the moment of application or request of the User or its legal representative, or authorized body for the protection of the rights of subjects of personal data for the period of verification in case of detection of inaccurate personal data or unlawful actions.
7. LIABILITY OF THE PARTIES 7.1 The Website Administration, not performing its obligations, is liable for losses incurred by the User in connection with the unauthorized use of the personal data, in accordance with the laws of the Russian Federation.
7.2 In the case of loss or disclosure of confidential data, the Website Administration shall not be liable if such confidential information:
7.2.1. Became public domain before its loss or disclosure.
7.2.2. Was received from a third party prior to its receipt by the Site Administration.
7.2.3. Has been disclosed with the User's consent.
8. DISPUTE RESOLUTION 8.1 Before going to court to settle any disputes, which arise out of relations between the User and the Administration, it is obligatory to file a complaint (a written offer to settle a dispute voluntarily).
8.2 The recipient of the claim within 30 calendar days after receipt of the claim shall notify the claimant in writing of the results of its consideration.
8.3 If the agreement is not reached, the dispute will be transferred to the court in accordance with the current legislation of the Russian Federation.
8.4 The Privacy Policy and the relations between the User and the Website Administration are governed by the existing legislation of the Russian Federation.
9. ADDITIONAL PROVISIONS 9.1. The Administration of the Website has the right to change this Privacy Policy and Cookies Policy without the consent of the User.
In this regard, the Administration of the site recommends that each time you visit the Site you check these policies for updates, in particular to be properly informed about how we use cookies.
9.2 A new Privacy Policy shall be effective as of its posting on the Website, unless otherwise stipulated by the new Privacy Policy.
9.3 Any suggestions or questions regarding this Privacy Policy should be sent to fabio@i-ias.ru.
9.4 The current Privacy Policy is available at
https://ias-msb.ru/english/politica 9.5 Any persons who would like their personal data provided by filling the forms on the Website to be amended or deleted from the information bases of our company may send a corresponding request to the e-mail address fabio@i-ias.ru with the subject "Personal data".
9.6 Any persons who believe that their personal data is being used improperly may send their complaints to the e-mail address fabio@i-ias.ru.