Privacy Policy

This Privacy Policy (hereinafter referred to as the “Policy”) applies to all information that the WikiLoan website, located at https://wikiloan.org, may obtain about the User during their use of the Website, its programs, and products.

1. Definition of terms

1.1. In this Policy, the following terms are used:

• website administration: authorized employees acting on behalf of WikiLoan who organize data processing and determine the purposes of such processing;
• personal data: any information relating directly or indirectly to an identified or identifiable natural person (data subject);
• cookies: small pieces of data sent by a web server to be stored on the User’s computer for session identification purposes;
• ip address: a unique network address of a node from which access to the Website is initiated.

2. General provisions

2.1. Use of the WikiLoan Website constitutes the User’s full consent to this Policy and the terms of processing their data.

2.2. In case of disagreement with the terms of the Policy, the User must stop using the Website.

2.3. This Policy applies only to the wikiloan.org resource. We do not control and are not responsible for the websites of third parties (lenders, banks) to which the User may be redirected via external links.

3. Subject of the privacy policy

3.1. The Policy establishes the obligations of the Administration regarding non-disclosure and protection of the confidentiality of data provided by the User during registration or when requesting financial services:

• full name of the User;
• contact phone number;
• email address (e-mail);
• place of residence (region/state).

4. Purposes of collecting personal information

4.1. Data may be used for:

• identifying the User for processing applications for financial products;
• establishing feedback, including sending notifications regarding loan news and legislative changes;
• determining the User’s location to ensure security and prevent fraud;
• providing access to the services of partners (direct lenders) for the purpose of obtaining financial services.

5. Methods and terms of processing

5.1. Processing is carried out without a time limit by any legal means.

5.2. The Administration has the right to transfer data to third parties (financial institutions, loan brokers) solely for the purpose of selecting a financial product for the User.

5.3. Personal data may be transferred to authorized government authorities only on grounds established by applicable international and local law.

6. Obligations of the parties

6.1. The User is obliged to:

• provide information about personal data necessary for using the WikiLoan Website;
• update or supplement the provided information in case of changes in personal data.

6.2. The Website Administration is obliged to:

• use the information obtained solely for the purposes specified in Section 4 of this Privacy Policy;
• ensure that confidential information is kept secret, not disclosed without the User’s prior written permission, and not sold, exchanged, published, or disclosed in any other possible way, except as provided in Section 5 of this Policy;
• take precautionary measures to protect the confidentiality of the User’s personal data according to the procedures generally used to protect such information in existing business practices.

7. Liability and dispute resolution

7.1. The Administration is liable for losses incurred by the User in connection with the unlawful use of data in accordance with applicable law.

7.2. Before going to court, it is mandatory to submit a written claim (a proposal for voluntary settlement). The period for consideration is 30 calendar days.

8. Additional conditions

8.1. The WikiLoan Administration has the right to change the text of this Policy without prior notice.

8.2. The new version of the document comes into force from the moment it is published on the Website.

8.3. All suggestions or questions regarding this Policy should be directed to the “Contacts” section.

Version current as of: May 2026.