Privacy policy

Our website can be used without providing personal data. Any personal information you voluntarily submit (e.g., name, email, phone number) will be processed in accordance with the RA Law on Personal Data Protection and applicable international agreements ratified by RA. Your data will not be shared with third parties without your explicit consent. The site is primarily informational, offering details on our programs, summarized financial and other information characterizing the Company's operations, and tools like credit calculators. No personal data is required for general use. If you contact us for feedback or inquiries, we may collect and process the personal data you provide for that specific purpose in accordance with the RA Law on Personal Data Protection and applicable international agreements ratified by RA.

We process personal data based on the following legal grounds:

• Your consent: When you provide us with personal data voluntarily, such as when contacting us through email or submitting forms on the website.
• Legal obligations: We may process personal data to comply with our legal obligations under applicable laws, including but not limited to the RA Law on Personal Data Protection and international treaties ratified by the Republic of Armenia.
• Legitimate interest: We may process personal data to protect our legitimate business interests, such as ensuring the security of our website, maintaining its functionality, and providing effective communication.

These processing activities are in full compliance with the RA Law on Personal Data Protection , as well as applicable international agreements on data protection to which Armenia is a party.

When you visit our site, our system automatically collects technical data, including:

• Browser type and version
• Operating system
• Internet service provider
• IP address
• Date and time of access
• Referring and exit pages
• Other non-personal technical information

This data is stored in log files and used solely to maintain website security, performance, and functionality. It is not linked to any personally identifiable information and is not used for marketing.

Data is deleted as soon as it is no longer needed for the purposes for which it was collected. For data recorded to provide website access, the data is no longer necessary once the respective session ends.

For data recorded in log files, it is no longer necessary after a maximum of fourteen days. However, in certain cases, data may be retained for a longer period. In such instances, the user's IP addresses are either deleted or anonymized to ensure the user's identity cannot be traced.

Our website uses essential cookies to ensure proper functionality and a smooth user experience. These cookies do not collect personal data for marketing, and no data is shared with third parties without your consent.

We implement appropriate technical and organizational measures to protect your data, including:

• Encrypted transmission via HTTPS (TLS/SSL)
• Access controls
• Regular system updates and security monitoring

If you contact us via email, we store the personal data provided for the purpose of responding to your inquiry. This data is not shared with third parties and is deleted after the matter is resolved.

You may withdraw your consent or object to the storage of your data at any time by emailing us at [email protected]. In that case, we will no longer be able to continue the conversation and will delete your data.

We are committed to processing your personal data transparently and in accordance with applicable legal standards. You may reach out to us with any concerns or questions regarding how your data is handled.

We reserve the right to amend this data policy to keep it in line with the latest legal requirements or to adjust it to reflect changes to our services, e.g. if we introduce new services. The latest version of our data policy will apply to any further visits.

Latest version: 10/04/2025