1. Scope of this policy
SIGNUM, OOO uses personal information only as needed to operate its service, process financial interactions, verify identity, maintain platform integrity, and comply with legal and regulatory duties. By using the service, you acknowledge the practices summarized here.
2. Information categories we may process
Contact and profile data
- Name and surname.
- Email address, including technical representations such as hashed email.
- Phone number, including hashed phone number where such handling is required for service operations.
- Postal, residential, or business address and similar contact identifiers.
Financial and application data
- Payment and payout details, including bank or card-related information where required.
- Credit-related information, affordability indicators, income, liabilities, and similar financial details.
- Records connected with the customer request, repayment, or support process.
Identity verification and face data
- Selfie images and documents uploaded as part of identity confirmation.
- Verification outcomes showing whether the submitted image matches the identity data in the application.
3. Why we use personal information
- To authenticate users, manage access, and provide requested financial functionality.
- To process transactions, repayments, service requests, and related operational events.
- To detect fraud, prevent misuse, and maintain platform security.
- To meet legal, compliance, and consumer protection obligations.
- To improve service stability, performance, and reliability.
Face data is used strictly for identity validation and anti-fraud controls tied to the loan application flow.
4. Sharing and disclosure
Personal data is not sold, rented, or traded. SIGNUM, OOO may disclose limited information only when necessary:
- To vetted service providers supporting payments, verification, hosting, fraud prevention, or security monitoring under confidentiality obligations.
- To courts, regulators, or law enforcement bodies when disclosure is required by binding law or official request.
- Within a merger, acquisition, or corporate restructuring, provided substantially consistent data protection standards continue to apply.
Face data is not shared for advertising or profiling purposes and may be disclosed only where legally required.
5. Retention periods
- Account and transaction records may be retained for the period necessary to provide the service and satisfy recordkeeping duties.
- Financial information may be stored according to statutory and regulatory retention requirements.
- Face data is retained for 30 days from collection and then securely deleted, unless a longer retention period is mandated by law.
6. Security measures
SIGNUM, OOO uses administrative, organizational, and technical safeguards designed to reduce unauthorized access, alteration, disclosure, or loss of personal information.
- Encrypted transport and protected storage for sensitive information.
- Access control based on business need and role.
- Monitoring, audit, and security review procedures.
- Fraud prevention checks and internal incident-response practices.
7. Your rights
Depending on applicable law, you may be entitled to request access to, correction of, deletion of, or restriction on the processing of your personal information.
To exercise these rights or submit a privacy-related question, contact legal@signumm.bond.
8. Third-party services and international processing
Some functions may rely on third-party payment, verification, or infrastructure providers. Those services have their own policies and may process data in jurisdictions different from your country of residence.
9. Children's privacy
The service is not intended for children under 13, and SIGNUM, OOO does not knowingly collect personal information from minors. If you believe such data was submitted, write to legal@signumm.bond.
10. Policy updates
This Privacy Policy may be revised to reflect legal changes, security updates, or service evolution. The most current version becomes effective when posted on official SIGNUM, OOO channels.