Privacy Policy

This Personal Data Processing Policy (hereinafter referred to as the «Policy») has been prepared by the Site Administration in accordance with the provisions and requirements of the current legislation is aimed at defining the conditions regarding the receipt (collection) of information about the Site Users, the use and transfer of information about the Site Users, and the provision of access to information about the Site Users to third parties, in particular, Credit Institutions.

This Policy is a legally binding document for Users using the Website in accordance with its primary purpose. Each User undertakes to read this Policy prior to using the Website.

Acceptance of this Policy is achieved by the User performing actions that indicate reading and acceptance of the Policy, namely, by actually using the Site (its technical capabilities and functionality), which indicates the User’s intention, expression of will, desire and consent to comply with and implement this Policy.

Acceptance of the Policy means familiarization and understanding of all and each of the terms of the Policy, the User’s full, unconditional and unconditional agreement with the provisions and requirements, as well as the acceptance of the obligation to strictly comply with all rules defined in the Policy.

The Site Administration and the User are hereinafter collectively referred to as the “Parties” and individually as the “Party” in the text of the Policy.

1. Terms used in the policy

1.1. For the purposes of this Policy, the following terms are used with the following meaning:

1.1.1.  The Website  is the result of intellectual activity, which is a composite work located in the Internet information and telecommunications network under a specific network address (domain, domain name, subdomain) and including computer programs (software) that ensure its technological and technical functioning, a graphic solution (design, arrangement of elements, color scheme used, etc.), content, namely text information, photographic images, pictures, video recordings, audio recordings, etc., united by a single purpose and meaning and presented in the form of web pages. In the text of this Agreement, the Website is understood to be the Website owned by the Website Administration, located in the Internet information and telecommunications network under the domain name (domain, subdomain, address) —  https://sgm-techno.com/ , as well as the subdomains and derivative web pages included therein.

1.1.2.  Website Administration  – the owner of this website, which holds the rights to use, manage, and dispose of the Website, making the Website available to Users, and providing them with the services stipulated by the User Agreement, described directly on the Website, or defined by the technical functionality of the Website. An authorized representative (moderator), appointed directly by the Website Administration, acts on the Website on behalf of the Website Administration.

1.1.3.  User  –  an individual who is the recipient or potential recipient of services provided by the Site Administration, described directly on the Site itself or defined by the technical functionality of the Site.

1.1.4. Information (data)  – any information about the User or relating to the User.

1.1.5.  Personal data  is any information relating to a directly or indirectly identified or identifiable natural person (subject of personal data).

1.1.6.  Processing of personal data —  any action (operation) or set of actions (operations) performed with the use of automation tools or without the use of such tools with personal data, including collection, recording, systematization, accumulation, storage, clarification (updating, modification), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data.

1.1.7.  Request (application, request) –  a request by the User through the forms on the Website for the purpose of receiving legal advice, an answer to a question or other information and/or concluding an agreement for the provision of legal services for supporting the bankruptcy of individuals.

1.2. In the absence of an unambiguous interpretation of a term in the text of this Policy, the interpretation of terms shall be governed: firstly, by the interpretation defined on the Website  https://sgm-techno.com/  (hereinafter referred to as the «Website»); secondly, by the interpretation established by the current legislation.

2. The purpose of the policy

2.1. This Policy is intended to ensure the proper protection of User Information, including their personal data, from unauthorized access by third parties, and to determine the procedure for obtaining, providing, and using User Information.

2.2. This Policy is intended to define only general provisions regarding the receipt and use of User Information. Specific details regarding the receipt and use of Information may be established by other documents published on the Website or may be determined by the technical design of the Website.

3. Personal data of users

3.1. The list of Information provided by the User and posted on the Site is established solely at the discretion of the Site Administration.

3.2. The User agrees to post and provide their personal data for the purpose of the Site Administration fulfilling its obligations to the User to provide services stipulated by the User Agreement, described directly on the Site itself, or defined by the technical functionality of the Site.

3.3. The purpose of posting personal data on the Website by the User is to receive services from the Website Administration in accordance with their purpose and focus.

3.4. The use of User Information is prohibited for any purposes other than those relevant to the subject matter of the Site.

3.5. The User has the right to delete personal information, as well as any other information posted on the Website. To do so, the User must contact the Website Administration by email with a request to delete or modify the User’s personal data.

3.6. By using the Site, the User agrees and accepts that the Site Administration reserves the right to use his/her personal data anonymously and in aggregate form for statistical purposes.

3.7. The Site Administration undertakes not to provide any personal data about Users to individuals and organizations that claim possible misuse of such information (distribution of unauthorized advertising, spam, provision of information to other persons, etc.).

3.8. The Site Administration is not responsible for any possible misuse of information posted on the Site by Users or other persons, whether or not this occurs without notice to the Site Administration, with or without a violation of the Site’s information security.

3.9. The Website Administration processes only the personal data of Users that has been posted on the Website. Users’ personal data is processed using the Website’s hardware, software, and technical means.

4. Sources of information

4.1. The Site Administration receives information about Users in the following ways (from the following sources):

4.1.1. Information provided directly by the Users themselves, including, but not limited to, the following:

• Information received from the User when filling out a form posted on the Site, in particular the email address, website domain (subdomain), time intervals, etc.
• Information about the User provided at the request of the Site Administration, as well as when submitting a Request, in particular the last name, first name, patronymic, contact telephone number, amount (amount) of debt, and other information about the User;
• Information about the User received from another User;

4.1.1.1. The Website Administration reserves the right, at its sole discretion, to request or require the User to provide any information necessary to fulfill its obligations to the User. The User is hereby obligated to provide only accurate, complete, and up-to-date information about the User.

4.1.2. Information from software, technical and hardware services (software, etc.) used by the User when browsing the Website’s web pages, including, but not limited to, the following:

• Information about the software and hardware devices used by Users when visiting the Site, including the model and version of the operating system, unique device identifiers, as well as data about the mobile network and the telephone number from which the User visits the Site;
• Information recorded in server logs, in particular information about Users’ search queries, cookies, IP addresses, system failures, cookie data, data about the User’s browsing of certain web pages of the Site;
• Information about the territorial location of the User, provided via the Internet, etc.;
• Information about the domain (subdomain) of the User’s provider, the country of its location, etc.
• Information about the details of the payment methods used by the User to pay for the services of the Site Administration, in particular, but not limited to, the bank account number, etc.

5. Notifications and representations

5.1. The User hereby acknowledges and agrees that the posting of information on the Website, as well as the transfer of such information to the Website Administration, including their personal data, is done independently, voluntarily, and at their own discretion. By posting their personal data on the Website, the User confirms that they are doing so voluntarily and that they are voluntarily providing it to the Website Administration for processing.

5.2. The User hereby consents to the processing of their personal data in accordance with the provisions of the current legislation. The Website Administration reserves the right to use the User’s personal data for the purpose of fulfilling its obligations to the User, including those specified in Section 3 of this Policy, in accordance with the terms of the current legislation on personal data.

5.3. The User hereby consents to receive various SMS messages, e-mails, and other forms of sending/receiving information, including advertising content, from the Site Administration.

5.4. The Website Administration does not verify the accuracy of the information provided or received from Users, nor does it monitor their legal capacity. The Website Administration assumes and proceeds from the presumption that the User, without exception, provides complete and accurate information about themselves and maintains this information up to date.

5.5. When processing Users’ personal data, the Website Administration undertakes to take all organizational and technical measures to protect it from unauthorized access in a manner not provided for by the Website. However, it is possible that due to a Website malfunction, a virus or hacker attack, technical malfunctions, or other circumstances, Users’ personal data may become accessible to others.

5.6. The Site Administration undertakes not to post personal data of other persons on the Site, nor to use the personal data of other Users in any way that does not comply with the requirements of legislation, for unlawful or illegal purposes, for profit-making purposes, or for any other purposes that are inconsistent with the purposes of the Site.

6. Transfer of user information

6.1. The Site Administration shall not have the right, with the exception of cases specified in paragraph 6.2. of this Policy, to transfer Information about the User to third parties, either for a fee or free of charge, without the User’s consent.

6.2. The Site Administration has the right to transfer information about the User without the User’s consent and without prior notification in the following cases:

• to government agencies, including law enforcement agencies, inquiry and investigation agencies, courts, and local government bodies upon their reasoned request;
• on the basis of a court order to third parties;
• to third parties and public organizations upon their reasoned request in the event of a violation or alleged violation of their rights;
• in other cases provided for by current legislation.

7. Dispute resolution procedure

7.1. The Website Administration and the User hereby establish a pre-trial claim procedure for the resolution of disagreements and disputes arising from the application of this Policy. The deadline for responding to a submitted claim is 10 (ten) business days from the date of its receipt.

7.2. In the event of failure to reach an agreement on contentious issues, the dispute arising from this Policy shall be subject to judicial review in accordance with the current legislation at the location of the Site Administration.

8. Policy action

8.1. This Policy shall enter into force from the moment it is posted on the Internet on the Website specified in paragraph 1.1.1. of this Policy.

8.2. This Policy is valid for an indefinite period and shall cease to be effective upon its cancellation by the Site Administration.

8.3. If changes are made to the Policy, such changes will take effect upon publication of the new version of the Policy on the Website, unless a different effective date is specified upon publication. The Website Administration reserves the right to unilaterally amend the text of the Policy.

8.4. The User undertakes to independently monitor changes to the provisions of this Policy and shall bear responsibility and any negative consequences associated with failure to comply with this obligation.

8.5. If the User disagrees with the relevant changes, the User is obligated to cease using the Website and refuse services provided by the Website Administration. Otherwise, the User’s continued use of the Website signifies their agreement to the terms of the Policy as amended.

8.6. The current version of the Policy is located on the Website at:  https://sgm-techno.com/privacy-policy/ .