Privacy Policy

This Privacy Policy outlines how we collect, use, store, and share your information, as well as the measures we take to protect it. By using our services, you consent to the practices described in this policy.

Our Company

PH-Loans is a website operated by LLP Perfomans Kz, registered in the Republic of Kazakhstan under Business Identification Number 210440026010. Our registered office is located at:

Almaty, Nursultan Nazarbayev Ave. 113/55, P.P. 40, Postal code 050000

PH-Loans is not a financial institution, bank, or lender. We serve as an intermediary, connecting individuals seeking loans with licensed financial institutions.

We are committed to handling your personal data in compliance with all applicable data protection laws, including those established by the Republic of Kazakhstan and internationally recognized best practices in data privacy.

Why We Communicate With You

We, along with our panel of lenders and credit brokers, may contact you regarding your loan application unless you explicitly opt out. Communication methods may include telephone, SMS, email, and automated messages.

Lawful Basis for Collecting Personal Data

We process your personal data based on the following lawful bases:

Consent: By submitting a loan application, you consent to being contacted by PH-Loans and our lending partners regarding your application. If you wish to withdraw consent, you may do so at any time by clicking the unsubscribe link in any marketing communication or by emailing compliance@ph-loans.store.
Contract: When you submit an application, we process your data to fulfill our obligation to provide a loan matching service.
Legitimate Interest: We share your application with our network of lenders to obtain loan offers on your behalf.

How We Communicate With You

We may contact you through:

Telephone
SMS
Email
Post
Automated messages

If you have given permission, we may also send push notifications to your web browser or mobile device. You can disable these notifications in your device or browser settings.

Updating Your Personal Information

It is your responsibility to ensure that the personal information you provide to us is accurate and up-to-date. If you need to update or correct your information, please contact us.

Collecting Your Personal Information

You are free to browse our website without providing personal information. However, if you apply for a loan, we typically collect the following:

Full Name
Address
Residential Status
Date of Birth
Email Address
Phone Number
Employment and Income Details
Bank Account Information
IP Address
Website Activity

Additionally, if you contact our support team, we may collect some of the above details to assist with your inquiry.

How We Use Your Information

We use your personal information to:

Process your loan application and match you with lenders
Provide customer support
Improve our website and services
Conduct market research
Send you relevant financial offers
Comply with legal and regulatory requirements

Sharing Your Personal Information

By submitting a loan application, you consent to sharing your data with:

PH-Loans and LLP Perfomans Kz – for processing your application and improving user experience.
Lenders and Credit Brokers – to obtain loan quotes on your behalf.
Regulatory and Legal Authorities – if required by law.

We may also share your data for fraud prevention, legal compliance, and in the event of a merger or sale of our business.

Third-Party Use of Your Information

Some lenders may conduct credit checks, fraud prevention checks, or verify your details against financial records. Your credit report may reflect these checks. We recommend reviewing the privacy policies of any lender you engage with.

Data Security

We implement security measures to protect your data from unauthorized access, misuse, or loss. However, no online data transmission is completely secure. By using our website, you acknowledge the risks involved in submitting personal information online.

Your Rights

Under applicable data protection laws, you have the following rights:

Right to be informed – This Privacy Policy explains how we collect and use your data.
Right of access – You can request a copy of your personal data held by us.
Right to rectification – You can ask us to correct inaccurate data.
Right to restriction of processing – You can request limited use of your data under certain conditions.
Right to object – You can object to data processing for marketing or other purposes.
Right to erasure («right to be forgotten») – You can request deletion of your data.
Right to data portability – You can request your data in a structured format for transfer to another provider.
Rights regarding automated decision-making – You can object to decisions made solely by automated means.

To exercise any of these rights, please contact us at compliance@ph-loans.store.

Data Retention

We retain personal data for the following durations:

Marketing Preferences: If you opt out of marketing, we retain a record to ensure we do not contact you.
Loan Applications: Data related to loan applications is retained for a minimum of six years to comply with legal and regulatory requirements.

Opting Out of Communications

You can opt out of marketing communications at any time by:

Clicking the unsubscribe link in any marketing email
Replying «STOP» to SMS messages
Emailing compliance@ph-loans.store

Please allow up to 48 hours for your request to be processed.

Removing Your Personal Information

To request deletion of your personal data, visit https://unsub.ph-loans.store/gdpr?country=PH or email compliance@ph-loans.store. We will also inform our marketing partners of your request.

Changes to This Privacy Policy

We reserve the right to update this Privacy Policy. Any significant changes will be posted on our website or sent via email. Material modifications take effect 30 days after notification, while minor updates take effect immediately.

Complaints

If you have concerns regarding our handling of your data, you may file a complaint by emailing complaints@ph-loans.store.