To complete the application form, you are required to register on the Creditron website: enter your name, phone number and email address in the appropriate fields. After that, a letter with a confirmation link will be sent to the specified email address.
Upon verification of email address and mobile phone number, it is necessary to confirm the bank card details. This is necessary to pay for the services provided by the online service. Once the funds are credited to the account of the service, you will be provided with a personal financing program which is formed based on the credit history and delays. It will be available in your personal account.
Please note that the Creditron online service is not a lender and makes no payments on its own. Loan services are provided by partner companies based on the data provided by our service. We select the loans that are the most suitable for you. Please note that all financial organizations conduct their activities on the basis of relevant licences in accordance with the requirements of the applicable law.
Our service cooperates with more than 30 partner companies, among which there are the most loyal financial organizations. After having registered and paid for online services, we will select for you the most convenient loan offers that will help restore the borrower's reputation.
Payment for Creditron Services is made only with personalized VISA or MasterCard bank cards. To do this, enter the 16-digit card number in the corresponding field.
This section contains information that characterizes your "Financial Health". It displays data such as your financial discipline, information on debts and late payments.
The project provides paid services on a 15-days basis. The user of the service who paid for the subscription gets access to a number of useful functions and tools: obtaining their credit rating, possibility to send a single application to numerous credit organizations, a list of recommended loan offers, exclusive useful articles. All this is available to users on the basis of a monthly subscription, which can be denied at any time in your personal account.
The service is automated in such a way that only self-completion of an application in accordance with the algorithm of actions proposed on the website can ensure the most correct functioning of the system. Creditron Service provides for no possibility to make applications by phone, but in the event of any questions and proposals, it is possible to contact our support team that will contact you as soon as possible.
If you do not remember your account details, please contact the customer support service. Creditron specialists will help you solve this problem.
If you decided to decline Creditron online service, you need to go to the User’s Personal Account, open "My Data" tab and select "Delete Account". After that, the bank card will be detached from the account and payments will be stopped.
You need to check the Spam folder, and if the letter containing the confirmation link got there, take it and add the recipient to the list of checked contacts.
If you are no longer going to use the services provided by us and want to delete the personal data placed on it, go to your Personal Account, select "My Data" section and click "Delete Account". After carrying out these steps, your personal data will be deleted and the bank card will be unbound from the account.
SIA “LeadProm Media”
Consent
I hereby express my consent and authorize SIA “LeadProm Media” to collect, store and process my personal data, namely:
I give my consent for the following purposes:
I hereby confirm the following:
PUBLIC OFFER
(Agreement)
for the provision of information services through the use of the Service
1. General Provisions.
This public offer (the “Offer”) for the provision of information services is a public offer provided by SIA “LeadProm Media” (hereinafter – the “Operator”) which determines the terms and conditions of using the website https://www.creditron.org/ and the provision of the Operator`s Services to the Customer (hereinafter - the “User”) (hereinafter – the “Agreement”).
The Operator and the User, separately, may sometimes be referred to as the “Party” and jointly as the “Parties” in the following agreement.
This Offer is addressed to legally capable persons that are citizens of European Union member states being the Users of the website https://www.creditron.org/. The Offer is an official public offer made by SIA “LeadProm Media” with the purpose of entering into the Agreement.
The current version of the Offer is available on the Operator`s Website at: https://www.creditron.org/ so that the User can read it carefully and with due diligence before accepting the terms and conditions of the Offer. The Tariff and Refund Policy as well as the Privacy Policy are available on the Operator’s Website and shall constitute integral documents of this Agreement.
This Agreement shall be deemed concluded and effective from the date when the User performs the actions set forth in Clause 3.2 of the Agreement, which means complete and unconditional acceptance by the User of all terms and conditions hereof without any exceptions and / or restrictions.
The Operator and the User shall be collectively referred to as the "Parties", and individually - the "Party".
Either Party represents and warrants that it has required legal capacity and all rights and powers necessary and sufficient to enter into and perform the Agreement in accordance with the terms and conditions hereof.
2. Terms and definitions used in the Agreement
In this Agreement, the terms below have the following meanings:
Authorization Data shall mean data enabling Authentication of the user. By default, the login and password created by the User constitute the User’s Authorization data.
Authentication shall mean confirmation of the User’s legal capacity to conduct transactions through the use of the Service and / or to obtain information on transactions through the use of the Service in accordance with the procedure established by this Agreement. To conduct a transaction through the use of the Service, the User must authenticate using the Operator`s software based on the Authorization Data entered by the User.
Privacy Policy - shall constitute a policy that regulates the processing and storage of personal and/or any other data of the User and the Operator throughout the performance of this Agreement.
Tariff and Refund Policy - shall constitute a policy that regulates the payment method, prices and refund policy and any other data related to the matter of payment by the User for the Operator’s Services. The Tariff and Refund Policy for each type of Services and any other payment information shall be determined, specified and regularly updated by the Operator at the Operator’s Website at the following link:
Request shall mean an electronic document created by the User, with indication of Information to be used by the Service.
Information shall mean data on the preferred characteristics of the loan provided by the User and used by the Operator to prepare the Report, as well as data of the User, including his/her Personal Data.
Lender shall mean a separate (from the Operator) legal entity engaged in microfinance activities which grants a loan to the User on the terms established by the Loan Agreement.
Operator shall mean SIA “LeadProm Media”, which provides the Service to the Users and performs other actions related to the use of the Service.
Report shall mean an electronic document generated by the Operator based on the Request, which contains a list of available offers made by the Lenders providing lending facilities in the region specified by the User, and in accordance with the parameters selected by the latter, based on which the list for the User is created and placed in the user’s Personal Account in the Recommended Offers section. At the discretion of the Operator, it can be supplemented with other offers which, in the Operator’s opinion, may also be of interest to the User.
Right to block the User shall mean the unilateral right of the Operator to block the User from the use of Services in the manner provided by article 5.15. of this Agreement and the Tariff Policy.
User shall mean an individual having his/her own user account and affecting access to the Website, who has completed the registration procedure and received personal Authorization Data.
User form shall mean a page on the Operator’s Website where the User shall enter all relevant registration information before gaining access to the Website in accordance with this Agreement and the Privacy Policy hereto.
Operator’s website (Website) shall mean the Operator’s information resource in the information and telecommunication global network (hereinafter – the Internet) located at: https://www.creditron.org/ through which the User can use the Operator’s Service.
Service (Services) shall mean the Operator’s following actions:
the provision of access to an informational service (the Operator’s Website) which contains information on loans and credits available to the User in accordance with the User’s Request and the available Lender organizations ;
access to the Operator’s technological system available on the Operator’s Website, which enables to create and submit the User Requests for consideration by the Lenders for obtaining a loan by the User;
actions performed by the Operator, including the collection and processing of Information from the Request of the User, aimed at processing the Request and providing the User with information on the Lenders’ offers that meet the requirements specified by the User when using the Service, as well as the provision of the User Requests to the Lenders in order to issue a loan or credit to the User;
Information service shall mean the Operator’s division, which, at the request of the User, provides the latter with information on the use of the Service (by e-mail with the involvement of the Operator’s employee or by any other means available to the Operator).
Tariffs (Tariff and Refund Policy)shall mean the types and methods of payment as well as prices for each type of Services payable to the Operator by the User..
Services Delivery Certificate - shall mean a document generated by the Operator and sent to the User’s email after every provision of Services to the User.
Period of Service Provision (Periods) - shall mean a time period throughout which Services are provided by the Operator to the User. The types of such Periods are determined at the Operator’s website at the following link: https://www.creditron.org/tariff
3.Scope of the Agreement
3.1. This Agreement shall establish the conditions and procedure for the provision of Operator Services to the User.
3.2. Acceptance of the terms and conditions of this Agreement at the time of registration shall mean the User’s full and unconditional consent to the terms and conditions hereof.
3.3. The User shall pay for the Operator Services in accordance with Clause 6 of this Agreement and Tariff and Refund Policy available at the Operator’ Website.
4 . Procedure and conditions for the provision of the Service
4.1. Registration on the Website.
4.1.1. To gain access to the Service, the User shall accept the terms and conditions of this Agreement when completing the User Form on the Website. The User’s consent to the terms and conditions of this Agreement at the time of entering his/her data on the Website shall mean the acceptance hereof by the User.
4.1.2. The User shall complete the User Form on the Website by entering the relevant registration information. When entering the data on the Website, the User shall enter his/her full name, date of birth, place of residence, phone number, email address and password.
4.1.3. The User shall provide true, complete and reliable information and keep it up to date. The User shall provide his/her personal data in accordance with Clause 7 hereof and Privacy Policy hereto.
4.1.4. The User agrees that he/she is solely responsible for maintaining the confidentiality of authorization data used by him/her to access the Website. In addition, the User agrees that he/she is solely responsible to the Operator for all actions performed when entering his/her personal data.
4.1.5. If the User becomes aware of any unauthorized use of his/her Authorization Data, he/she shall immediately notify the Operator thereof by contacting the support service by e-mail: support@leadprom.com.
4.1.6. During registration on the Website, the User shall not disclose (or, in the case of disclosure, shall be solely and fully responsible) his/her last names, first names, phone numbers, email addresses and other personal data or data of any third parties without their personal consent to such actions, expressly provided by completing the User’s form.
4.2.1. In order to use the Services provided by the Operator under this Agreement, the User shall always follow the Request submission procedure established hereby.
4.2.2. To submit the Request, the User shall provide the Information in accordance with the requirements. When creating the Request, the User shall choose the characteristics of the desired loan, namely: the amount, the loan term, his/her name, surname, place of residence and other data required by the Lenders to make a decision.
4.2.3. The Request submission procedure shall be conducted from the User’s Personal Account after the payment transaction carried out by the User for the provision of Services. The User shall pay for the Services under this Agreement in the amount and in the manner specified in Clause 6 hereof.
4.2.4. Upon receipt of the Request, the Operator shall send the Request to potential Lenders for consideration (from the list of Lenders posted on the Website).
4.2.5. The obligations of the Operator under this Agreement shall be limited to the provision of Services for analysis and selection of Lenders’ financial products (offers). If the Lender provides a loan or credit to the User, the Operator shall not be a party to the agreement concluded between the User and the Lender, and therefore, the Operator shall not regulate or control the compliance of the transaction with applicable laws and standards, the terms of the transaction, as well as the acts and consequences of conclusion, performance or termination of the agreement, including regarding the repayment of the loan, and the Operator shall not consider the User’s claims regarding non-fulfilment (improper fulfilment) of the obligations by the Lender under such agreements.
4.2.6. The Operator shall not guarantee the provision of a loan or credit by the Lenders when the User forms the Request, but shall only select the lending options (offers) and send the Request to potential Lenders for consideration. It is the Lender who makes the decision to grant a loan. Data on the Lenders’ financial products (offers) provided by the Operator in the Report to the User shall not constitute an offer for guaranteed provision of financial services.
4.2.7. The Operator shall provide services to the User on a round-the-clock basis. The Operator’s actions for the performance of this Agreement that are not performed automatically shall be carried out on weekdays.
5. Rights and obligations of the parties
5.1. Rights and obligations of the Operator:
5.1.1 The Operator shall provide to the User round-the-clock access to the Website.
5.1.2. The Operator shall have the right to check and pre-moderate the Information disclosed by the User.
5.1.3. The Operator shall consider all the Requests and submit relevant Reports, provided that the User has read and understood the terms and conditions of this Agreement and duly completed the Request.
5.1.4. The Operator shall notify the Users of any changes in the terms and conditions of this Agreement by publishing the latest version hereof on the Website.
5.1.5. The Operator shall have the Right to block the User if the latter fails to perform the full payment of Services in accordance with the provisions of this Agreement.
5.1.6. The Operator may suspend the operation of the Website and / or the Service, as well as hardware and software that ensure interaction between the Parties under this Agreement, in the event of any significant malfunctions, errors or failures, and for the purpose of preventive maintenance and prevention of unauthorized access.
5.1.7. The Operator may limit the User’s requested loan amount to form the Request of Users. Specific limitations under this clause will be displayed on the Website.
5.1.8. The Operator shall have the right to display in the User’s Personal Account other options for loans and credits that fail to meet his/her initially specified requirements as to the amount, the term and other parameters, in order to provide more information on possible loan products.
5.2. Rights and obligations of the User:
5.2.1. The User agrees to comply with the rules of this Agreement.
5.2.2. The User shall further provide reliable information when registering on the Website.
5.2.3. The User shall not reproduce, duplicate, copy, sell or resell, or use any services or parts of the Service for any commercial purposes without the Operator’s written consent.
5.2.4. The User shall obtain access to the Website using his/her Authorization Data only from one device at a time.
5.2.5. The User shall independently and in a timely manner familiarize himself(herself) with the Information regarding change in Tariffs and the terms and conditions of this Agreement posted on the Website.
5.2.6. The User shall pay for the Services in accordance with the Tariffs, within the time limit and under the terms established by the Operator. The Tariffs for each type of Services shall be determined, specified and regularly updated by the Operator at the Operator’s website at the following link:
5.2.7. The User shall have the right to submit claims to the Operator and shall send requests in the manner and in cases as stipulated by this Agreement.
5.2.8. The User shall have the right to terminate this Agreement at the relevant web-page at the Operator’s website. In case of such termination the User shall lose all access and use the Operator’s website as well as the Operator’ Services without any refund to such User.
6. Value of services and payment procedure
6.1. The Operator shall set the value of the Operator`s Services in Tariffs published on the Website.
6.2. The Operator shall have the right to unilaterally change fully or partially (that is, increase or decrease), establish new Tariffs and / or cancel existing ones. If the User does not agree with the change (entry into force) of new Tariffs, he may unilaterally repudiate this Agreement.
6.3. The Operator shall provide all services on the basis of 100% prepayment. The User shall make 100% payment in advance, during registration on the Service.
6.4. The User shall pay for the Operator`s Services using a bank card through the Website (or through any other means previously agreed with the Operator, including the use of online technologies that are not contrary to the law).
6.5. After the provision of Services the Operator shall provide a Services Delivery Certificate that shall be generated or signed at the discretion of the Operator and sent to the User via e-mail that is specified in the User Form and Authorization Data . The Services shall be deemed to be properly provided and fully accepted by the User unless the Operator has received from the User written reasonable objections to the quality of the Services provided within one calendar day upon the expiration of the service provision period by e-mail: support@leadprom.com. If during the specified period there are no written objections, the Services shall be deemed to be of proper quality.
6.6. In case of termination of this Agreement by the User, such User shall not receive any refund for the remaining unused Period of Service Provision.
6.7. By entering into this Agreement the User gives his/her full express consent and acknowledgement that there shall be no withdrawal period or refund policy rules, except the ones that are stipulated in the Tariff and Refund Policy available at the Operator’s Website. The User expresses his/her consent that he will lose his right of withdrawal once the Operator’s Services have been provided to the User.
7. Personal data
7.1. By placing personal data and any other data on the Website, the User confirms that he/she has read, understood and agreed with the Privacy Policy of SIA “LeadProm Media” available on the Website, and that he/she has provided to the Operator his/her consent to personal data processing in order to perform this Agreement.
7.2. The purpose of processing the User’s personal data shall be provision of services to the User, enabling the User to use the Service, participate in advertising campaigns, target advertising and perform other actions described in the Agreement.
7.3. The User’s personal data shall be processed from the moment the User registers on the Website until the Consent to personal data processing is withdrawn.
7.4. The User agrees that the Operator shall send information on advertising campaigns conducted by the Operator and / or its partners (including Lenders), and any other information not prohibited for distribution, to the email address specified by the User.
8. Liability of the parties
8.1. The Parties shall be liable hereunder for failure to fulfil or improper fulfilment of the provisions hereof.
8.2. The Operator shall moderate the Information placed by the User, however, it is not responsible for the consequences of non-compliance by the User with the requirements set forth in paragraphs 4.1.3-4.1.6 hereof.
8.3. The User agrees that the Services provided by the Operator may be protected intellectual property.
8.4. Text content (articles, publications available on the Website) may be distributed if there is an active link to the Website.
8.5. The Operator shall not be liable for any direct or indirect losses of the User caused by failure to use the Website or some Services of the Website as a result of the User’s bad internet connection, technical difficulties or any other reason whatsoever unrelated to the ability of the Operator to perform duties under such agreement. The Operator shall not be liable for any loss suffered by the User in connection with the use of Operator’s Services provided under the present Agreement unless such loss arises from bad faith, willful default or fraud on the part of the Operator.
8.6. The Operator shall not be liable for any acts or omission of the Lenders that provided the loan, as well as for any information or data regarding the provision of the loan disclosed by the Lender. The Lenders shall make a decision to grant a loan, the Operator shall not guarantee granting loans or credits, but shall only select and recommend to the User the most suitable loan options.
8.7. The Operator shall not be liable for achievement of any results by using the information disclosed to the User in the Report. The User agrees to use any information on the Lenders’ offers provided by the Operator, at his/her own peril and risk.
8.8. The Operator shall not be liable for inconsistency of the Service with the User’s expectations and / or his/her perception; such inconsistency with expectations and / or negative perceptions shall not constitute grounds for considering the Services to be of poor or insufficient quality.
8.9. The provisions of this Agreement shall not exclude or limit the Operator’s liability for damage to various extents.
9. Force majeure circumstances
9.1. The Parties shall not be held liable for any delays in the performance or for nonperformance of their obligations under the present Regulations if the delay or non-performance was due to circumstances or reasons beyond the control of the Parties, such as a war (including civil war), riots, sabotage, embargo, fires, floods or other acts of God, explosions, actions or omissions of government authorities, strikes. All and any of these circumstances shall be regarded as force majeure circumstances. Within 24 (twenty-four) hours upon receipt of information about commencement of any force majeure circumstances which delay or interfere otherwise with the performance of the Regulations, the Parties shall notify each other in writing.
9.2. The Parties shall not be held liable for any damages, losses, claims or other expenses that may be incurred as a result of force majeure circumstances.
9.3. If force majeure circumstances interrupt or make impossible the performance of obligations of the Parties for a period longer than 30 days, either Party may terminate this Agreement serving a prior written notice of termination on the other Party.
9.4. In the event that the Operator determines in its reasonable opinion that a Force Majeure Event exists, the Operator shall be entitled without notice and at any time take one or more of the following steps:
(a) suspend or modify application of any or all of these Provisions of the present Agreement to the extent that the Force Majeure Event makes it impossible or impractical for the Operator to comply with these clauses; or
(b) take any other actions as the Operator may consider to be reasonable under the circumstances in relation to the position of the Operator, the User and the Operator’s other Users.
10. Dispute settlement procedure
10.1. All disputes and disagreements that arise or may arise out of this Agreement at the User’s initiative shall be settled on an out-of-court basis.
10.2. In case of a dispute and/or disagreement that may arise out of this Agreement the Parties within 10 (ten) working days shall send each other written complaints at the following addresses:
If the written complaint is addresed to the Operator - the legal address of the Operator
If the written complaint is addressed to the User - the email stipulated by the User in his/her Personal Data and/or User Form.
10.3. If the parties have not been able to resolve the dispute within ten working days of receipt of the written complaint, the parties shall refer the dispute to the relevant Latvian judicial authority.
11. Governing Law
11.1. This Agreement will be construed in accordance with and governed by the laws of Latvia.
11.2. For all matters not covered in this Agreement, Parties shall be governed by the laws of Latvia.
12. Miscellaneous
12.1. Electronic Communications. The Operator shall send information relating to the User’s account (e.g. payment authorizations, invoices, changes in password or Payment Method, confirmation messages, notices) in electronic form, for example via emails to your email address provided during registration in User’s Form/Authorization Data.
12.2. Survival. If any provision or provisions of this Agreement shall be held to be invalid, illegal, or unenforceable, the validity, legality and enforceability of the remaining provisions shall remain in full force and effect.
We respect our users’ privacy. This Privacy Policy clarifies the following:
What personal data is collected by the owner of this website or provided by you as a result of our interaction and the use of our website (www.creditron.org) and software applications?
How will your personal data be used? Where and how long will your personal data be stored? How are your rights to this data protected?
Please read carefully this Privacy Policy.
The following definitions are used herein:
"Data Controller" means a person (acting independently or jointly with others) that determines the purpose and procedure for processing certain personal data.
"Data Handler" with respect to personal data means any person (other than the Data Controller) that processes the data on behalf of the Data Controller.
"You", "Your", or "Data Subject" means:
- Our site visitors; - Users of all services offered on our website; - Users of our applications; - Potential or existing clients communicating with us by phone, via email or otherwise
Data Controller, “we,” “us,” and “ours,” means:
SIA "LeadProm Media" (Matīsa iela, 61 - 31, Rīga, Latvia, LV-1009), its affiliates and data handlers;
"Personal Data" means all information on an identifiable person which can be identified directly or indirectly by reference to an identifier.
“Web Site” means
This term identifies various personal identifiers that constitute personal data, including the name, identification number, location data, or network identifier which reflects changes in technology of personal data collection used by various organizations. The term (where applicable) includes the definitions given in the EU General Data Protection Regulation (GDPR).
We reserve the right to revise this Privacy Policy from time to time. You should check this Privacy Policy for changes on a periodic basis. If you do not accept the terms of the updated Privacy Policy, stop using this website.
SIA “LeadProm Media” is registered at: Matisa Street 61 - 31, Riga, LV-1009, Latvia, conducts its business as Creditron.org together with its affiliates, subsidiaries, data handlers (jointly www.creditron.org).
Personal Data we can receive from you:
We collect the information provided by you to ensure continuous operation and use of our website, products and services at the highest level. By completing the contact forms on our website, creating an account on our website, or by contacting us by phone, via email or otherwise, you provide the relevant information on a voluntary basis.
This information includes the data provided by you when you subscribe to any of our services offered on our website, send your requests or feedback, join mailing list, send to the website your requests, participate in the forum discussions, advertising promotion or analysis or use other social network functions on our website, or report any problem emerging on our website.
| Personal Data | When We collect | How We use | Why We use |
| Last name, name, login, password resident address | In registration procedure | We use Your personal and contact information to register You as a User and identify You in Our Services. Login and password You can use to log in | Necessary for the performance of a contract with you |
| information about your age | In registration procedure | We need to make sure that Your use of Our services is legal | Necessary to comply with a legal obligation |
| Email phone number | In registration procedure | Use email to restore Your account. We use it to notify You about changes to Our Terms or Privacy Policy; to communicate with you. | Necessary for the performance of a contract with you |
| We use Your e-mail address to inform You about the latest updates of Our Services and other products You may like. If You have subscribed to Our newsletter, We may send You marketing communications and information that will create an excellent customer experience | Only with Your explicit consent | ||
| Information in application form | In application form | We Use this information for a single application for prompt interaction with credit institutions | Necessary for the performance of a contract with you |
| name, surname, patronymic, residential address | In registration procedure | We use Your personal data as part of Our due diligence / KYC procedure on Our “Know Your Customer” KYC portals and to identify You in Our Services | Necessary to comply with a legal obligation |
| data on the use of Our services, links | When You use Our services | We use it to improve Your customer experience and provide bespoke services that satisfy Your needs and preferences | Necessary for Our legitimate interests |
| unique identifiers, browser type and settings, device type and settings, operating system, mobile network information. We also collect information about the interaction of Your browsers and devices with Our services, including OS, IP address, URL of Your request | When You use Our services | We use it to optimise Our service and to improve Our Website, services, direct marketing, User relationships, behaviour profiling and experiences | Necessary for Our legitimate interests |
We never sell any goods or services to children. If you are under 18, you can use our website only under the supervision of a person performing parental duties. We never intentionally collect Personal Data from children under 18 without the consent of a person performing parental duties.
By providing Personal Data of other persons (for example, the person on whose behalf you create an account or subscribe to our advertising campaigns) you confirm that you have notified them of 1) the purposes of using their data, 2) the recipients of their Personal Data, and 3) how they can access and make changes to the data. You also confirm that you have obtained all necessary permissions from them.
A cookie is a small file, usually consisting of letters and numbers, that is downloaded to the device when a user visits a particular website. Cookies allow a website to recognize a user's device.
Why does www.creditron.org use cookies?
Cookies help us improve the content, functionality and loading speed of websites, their ability to track data also helps us understand what you like and dislike. This means that we can respond quickly and customize the website accordingly.
We can use cookies to identify you when you visit our website or use our services, keeping in mind a customized approach:
Cookie for authentication. If you enter the Services section, these cookies help us display relevant information and personalize your activities.
Session cookies. These cookies store the user session identifier. A cookie is set when a user logs in and used to resume a session without entering personal data.
Cookies for security. We use cookies for security and malware detection.
Selected options, functionality and services. These cookies help us adapt to your preferences, such as language, communication settings and faster completion of forms.
Performance, analytics and research. These cookies help us analyse the performance of our website. We use cookies to improve our products, features and services, including for the purpose of keeping logs and records when visiting our website.
Cookies and third parties. Creditron.org sends cookies to your computer; Some third parties may send cookies to your computer. The purpose of this data processing is to track conversions and data transfer to related parties. This is necessary in order to perform the agreement concluded with third parties (our related parties) that use our services (Art. 6, part 1, lit. b) of GDPR Regulation). Our legitimate interests constitute legal basis for such processing. Note: We never share personal information with third parties.
We use the following cookies: session (temporary), permanent and external advertising, including cookies of our partners and service providers:
| Domain | Cookie name | Cookie lifetime | Description of the Cookie purpose |
| https://creditron.org | XSRF-TOKEN | Session | XSS attack protection |
| https://creditron.org | cookie | 2 years | Used to check if the user agree with cookie policy |
| https://creditron.org | laravel_session | Session | Used to identify user |
| https://creditron.org | remember_web | 2 hours | Used to remember authenticated user |
| https://creditron.org | unique_record_id | 1 year | Statistics |
What to do if you do not want to set cookies or want to delete them?
Most browsers automatically accept cookies, but some users do not. You can change the security settings of your browser in order not to receive or save cookies on your device, to receive and store cookies from your favorite trusted websites, or receive notices before receiving cookies. You can also delete cookies stored in your browser at any time. The information stored in these cookies will be deleted from the device. However, such settings may adversely affect the usability of websites.
Browser manufacturers usually provide cookie management help pages for their products. See the Links below for more information:
- Google: https://support.google.com/chrome/answer/95647?hl=en-GB
- Internet Explorer: https://support.microsoft.com/en-us/help/260971/description-of-cookies
- Mozilla Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer
- Safari (desktop): https://support.apple.com/kb/PH5042?locale=en_US
- Safari (mobile): https://support.apple.com/en-us/HT201265
- Application (Android): https://support.google.com/nexus/answer/54068?visit_id=1-636585517588941681-639659396&hl=en&rd=1
- Opera: https://www.opera.com/help
- Opera Mobile: https://www.opera.com/help/mobile/android#privacy
See Browser Manufacturer's Documentation for information on other browsers.
You can opt out of third-party Google Analytics cookies on their website.
You can opt out of personalized targeting provided by participating ad servers through Digital Advertising Alliance. In addition, you can change the device settings on your iPhone, iPad or Android to avoid personalized ads.
We can receive information on third parties that is not their identification information. We protect data received from third parties in accordance with the procedure described in this clause and any additional restrictions provided by the data source.
We can place advertising on the partner websites, social or advertising networks that can group users of pages with similar characteristics or interests in segments not related to Personal Data, and offer such segments to our clients, visitors and subscribers. For example, if you are interested in clothing or cosmetic products, you can see an ad linking to the website of the same service provider.
We can receive and record information on advertising requests or impressions: the number of requests / impressions, geographic targeting data (which do not contain an IP address or location data allowing us to identify a person) and all user activities related to the ad or activities on the website where it appears. Such information is used to analyse, report and correct deficiencies. We do not profile our guests activities.
Where do we store information?
We respect our clients privacy and take care of their security. We are constantly striving to protect the personal information that you provide to us. To protect your Personal Data from unauthorized access, use or disclosure, we use a combination of reference technologies, procedures and administration security.
We work with a number of authorized service providers (data processing) whose services and solutions complement, facilitate and improve our own services and solutions in accordance with written confidentiality agreements. We guarantee the compliance with the requirements of the GDPR Regulation and protect the rights of data subjects. Data Handlers work only in accordance with our documented instructions. They have direct obligations in accordance with the GDPR Regulation. In the event of failure to fulfil such obligations, they may be punished or pay a fine.
These may include: services from hosting providers, information technology providers, data protection and cybersecurity service, web analytics services, mailing and email monitoring, marketing services.
Such Data Handlers may receive, in whole or in part, or otherwise have access to your identifying and non-identifying Personal Data, depending on the specific function and purpose of each of them, in order to ensure the operation and improvement of our Services or business. However, they may use this data for this purpose only. In no event Data Handlers may use the data for their own purposes.
Your Personal Data may be stored and processed at the destination point in the European Economic Area.
Upon the conclusion of the agreement, the Data Handler returns data to us or transfers it to another handler designated by us, deleting all copies that he/she owns. However, Data Handlers may store data in a secure manner if they bear administrative or procedural liability.
Subject to your consent (unless otherwise stated), you will receive information from us about the products or services we offer, the products or services that, in our opinion, may spark your interest, or similar to those that you have already bought or requested information thereon.
To make a purchase, we assume that you have no objection to our storing your Personal Data collected by us. We may store your Personal Data (contact details) while your account is active, or provide information about our services in other cases. As a Data Subject, you have the rights related to your Personal Data processing and possibility to withdraw your consent to receive inventory notices at any time. See Your Rights section.
Legal basis:
i) the performance of Our contract with You (i.e. the provision of Our Services to you);
ii) our legitimate business interests (i.e. for fraud prevention, maintaining the security of Our network and services, seeking to improve the Services that We provide and Your interaction with us). Whenever We rely upon on this lawful basis We assess Our business interests to make sure that they do not override Your rights. Furthermore, in some cases You have the right to object to this processing;
iii) with Your consent for direct marketing purposes so that We may keep You fully up to date with other products and services that We supply and think may be of interest to you. Where We rely upon consent, We will need Your explicit consent, which may be removed at any time;
iv) law purposes.
The main purposes of using the collected data are described in more detail below.
We will use the information provided by you for better performance, and we will do our best to process your request. The Agreement and your consent constitute legal basis for data processing.
1.1 At the request of the Data Subject, complete a number of steps before providing the requested service:
1.2 Coordinate interaction with you, analyse application and profile data, comply with the terms and conditions of our agreement and send your Personal Data to private lenders
Upon termination of our contractual relationship, we can store your information as long as possible to fulfil our obligations and legal obligations in accordance with our legitimate interests as the Data Controller. Legal obligation constitutes legal basis for such information storage. As the Data Subject, you have the rights related to your Personal Data storage and processing. See Your Rights section.
Develop and conduct marketing activities; find out how customers use products and services provided by us and other organizations; discuss our products and services with you. Our legitimate interests and your consent constitute legal basis for such data processing.
3.1 If you do not want to receive such advertising emails, you may withdraw your consent at any time by contacting us as described in Your Rights section or by clicking "Unsubscribe" following the instructions or instructions you receive from advertising materials. However, in this case, we will not be able to perform our agreement and properly inform you about loans available.
Website Improvement
For example, we can automatically use the data collected, such as IP address and browser data, to improve our website:
4.1 For the website administration and internal operations, including data protection, diagnostics, testing, statistics and analysis;
4.2. To ensure the content presentation on the website in the most effective way for you and your device. Our legitimate interests constitute legal basis for such data processing.
We never lease out, sell or transfer your Personal Data to other individuals or entities without your consent, unless it is necessary to provide products or services at your request, with your consent or in the following cases:
- We provide information to trusted partners listed in the Trusted Partners section (Data Handlers) that provide to us services under confidentiality agreements, act on our behalf in accordance with confidentiality agreements, and may store or process data. Such entities have no autonomous right to disseminate this information.
- We may disclose your information to third parties if, in our reasonable opinion, it is required by law, and to investigate, prevent or take action regarding alleged or actually prohibited acts, including fraud and potential threat to physical safety of any person.
- In the event of purchase of our company, its relation with an external company or any other changes in the management structure, we reserve the right to transfer any information to the next company, including any Personal Data identifying and not identifying a person. In this case, we will notify you via electronic means before sending your personal information and developing another privacy policy.
- If you agree and give your permission, we will exchange your data with private creditors, as described in LEGAL FRAMEWORK AND OBJECTIVES FOR USING YOUR PERSONAL DATA section.
For example, when you fill out a single questionnaire and choose to "send", we transfer your data specified in the questionnaire to credit institutions in accordance with your instructions.
Law enforcement, protection of rights and obligations:
We may disclose or otherwise permit other people to access your Personal Data (with or without notice) on the basis of legal acts, such as summons, lawsuit, search warrant or court order, or in accordance with applicable law, if we assume in good faith that it is required by law. Your data may be transferred to the police and law enforcement agencies to detect fraud, prevent crime and ensure national security.
Your rights
In accordance with the EU General Data Protection Regulation, you have the following rights:
The following are the specific rights You have over Your personal data We hold and process, namely:
Ordinarily Subject Access Requests are free of charge.
We may extend the time period for responding to a Subject Access Request by a further two months and may charge a reasonable fee if We deem the request to be manifestly unfounded or excessive, however, We are required to advise You of Our intention to do this within 1 month of Your subject access request.
Should You wish to make a Subject Access Request this can be done by contacting the Company using the contact details in Section 9.
If You wish to exercise any of the aforementioned rights, please contact Us. We request that in the first instance You contact Our data protection officer at any time Our on support@creditron.org or by phone +48221530262
We promise to promptly consider Your request and to respond to You in accordance with the requirements of the Data Protection Act and GDPR.
Complaints to the Latvian Data Protection Inspectorate should be made by using the appropriate forms provided in the Latvian Data Protection Inspectorate Website.
CHANGES TO THIS PRIVACY POLICY
Any changes that We make to Our Privacy Policy in the future will be posted on Our app and Website.
Where appropriate, We will notify You of the changes when You next visit Our Website.
This Privacy Policy was last updated on 19th August 2020.
This Tariff and Refund Policy is an integral part of the SIA “LeadProm Media” Public Offering (Agreement) and shall stipulate and determine all prices (costs), terms of Operator’s Services, and refund policies under the Agreement between the Operator and the User.
1. The Services provided by the Operator shall be divided into the following Periods of Service Provision (Periods):
1.1. Standard period - shall mean a period of 15 (fifteen) calendar days that commence in the following order:
1.1.1. In case the User has used the Trial Period the Standard Period shall commence the next day after the Trial Period and from the payment for the Services by the User and end on the 14 (fourteenth) day.
1.1.2. In case the User hasn’t used the Trial Period the Standard Period shall commence on the day of payment for the Services.
1.2. Trial period - shall mean a period of 7 days that commence from the payment of Services by the User and end on the 7 (seventh) day. The Operator shall charge the fee for the Standard period the next day after the end of the Trial period.
1.3. The User has the right to terminate his/her Trial period during the Trial period in order to avoid the beginning of the Standard period.
1.4. The Operator’s Services shall be provided on a subscription basis commencing on the first day of the Trial period or the first day of the Standard period.
1.5. The subscription shall commence on the first day of the Trial period or the first day of the Standard period and shall last a maximum of 3 (three) calendar months (or 4 (four) Periods of Service Provision) since the commencement of the Standard Period. After the end of the subscription the Agreement shall be deemed terminated.
1.6. The User may terminate the subscription (terminate the Agreement) at any time. Such termination shall lead to the loss of all access to the Operator’s Website and Operator’s without any refund to the User. To terminate the subscription the User shall enter the General Account Settings page (https://www.creditron.org/home) on the Operator’s Website and follow the instructions for termination (cancellation).
1.7. Each User shall have only one Trial period, which commences as stipulated in article 1.2. hereof. In case the User terminates the Trial period such User shall only have the right to access the Standard period. The Trial period cannot be extended or used more than once by the same User.
2. The prices for the Operator’s Services are as follows:
| Trial period | 1.2 Euros | 7 calendar days |
| Standard period | 19.99 Euros | 15 calendar days |
3. Payment for Services under this Agreement shall be made on the basis of 100% prepayment and in the manner prescribed by the Agreement and this Tariffs Policy.
4. The User is solely responsible for the accuracy of payments. If the payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and the User does not terminate the Agreement, the Operator shall have the right to block the User’s account until the full payment is performed.
5. The User’s obligation of payment for the Operator’s Services is considered completed only after the receipt of funds in full by the Operator.
6. The Operator reserves the right to change prices (cost) of Services at his discretion.
7. The prices are indicated for standard services. In case of provision of additional Services, the value will be increased accordingly.
8. All prices for the Operators Services shall be set in EUROS.
9. The Operator’s Services are not refundable and do not include the rates of the bank or/and merchant provider.
10. All prices for the Operator’s Services shall include VAT (21%).
