Privacy Policy

This website (hereinafter "Website") is the property of FIIZY Ltd. (Registration No. 12694462, with the address: Toom-Kooli 1, Tallinn, 10130, Estonia).

Our Privacy Policy

For the use of our Website, the use of cookies is necessary. Cookies are used for the purpose of determining the country of origin of the people who visit our page, and if you wish you can configure your browser to be warned on the screen of the use of cookies and prevent the installation of cookies on your hard drive. Please consult the instructions and manuals of your browser for more information.

Welcome to Solcredit! We believe that you deserve the utmost respect when it comes to security and the use of your personal data. This is why we have drafted our Privacy Policy as clearly as possible.

Our Privacy Policy is applicable to all our current and existing clients and may change over time. Solcredit reserves the right to update and modify this Policy at any time, with or without prior notice.

The privacy policy of FIIZY Ltd. is aimed at the protection and security of personal information provided by visitors (hereinafter "Client(s)") who use the Website. This personal information consists of the personal data of the users of the Website such as first and last names, contact information, cell phone number, email, state ID/SSN, employer data, bank account number, and other personal data (hereinafter "Personal Information", "Personally Identifiable Information", or "PII").

Compliance with Current Laws

FIIZY Ltd. carries out its activities in accordance with all the laws and regulations of the United States of America regarding the protection of personal user information. FIIZY Ltd. uses reliable technical means and security tools to prevent any loss or modification of, or theft or unauthorized access to, Personal Information.

Services and Use of Personal Information

FIIZY Ltd. offers users free services that are only for informational purposes, through which the potential Client can find a company that offers small loans (hereinafter "Partner"). To use our services, the Client must complete one or more online forms that require the entry of Personal Information.

The collection and use of Clients' Personal Information are subject to this Privacy Policy.

In accordance with current legislation, the Client is not obliged to provide their personal data and/or assign the permission of its use to FIIZY Ltd. The Client has the right to prohibit the use of their Personal Information, and therefore the provision of this information by the Client is completely voluntary. If the Client refuses to provide their personal data for FIIZY Ltd. to process it, FIIZY Ltd. reserves the right to not offer its services to this Client. By confirming your consent to the use of Personal Information, the Client automatically agrees to accept all the Conditions listed on this page.

Immediately after the Client submits their request to obtain a small loan, FIIZY Ltd. will process and send this personal data to one or more of the Partners that work with FIIZY Ltd. By sending the request through FIIZY Ltd., the Client accepts all the principles of this Policy, thus allowing FIIZY Ltd. or its Partners to communicate with the Client using the email address and telephone number provided to process the request and offer their services in the most appropriate manner for the Client. The Partners of FIIZY Ltd. reserve the right to verify and evaluate the financial situation of the Client with the participation of third parties. FIIZY Ltd. itself does not offer any type of financial services.

The information on the FIIZY Ltd. Website is for informational purposes only and is not intended to recommend the use of specific services/products from among those offered on this Website. FIIZY Ltd. is not responsible for the Client's decision as a result of reading the information provided on this Website.

By accepting the legal conditions of FIIZY Ltd., you are informed of and grant authorization for the data completed in the web form at www.solcredit.com to be transferred to companies that offer small loans and therefore process your data in order to process the loan requested by you.

Information We Collect

FIIZY Ltd. collects the Personal Information of the users of the Website by processing the requests of potential and current Clients. The contact and financial information that is processed by FIIZY Ltd. is used to provide the information services described above.

The technical data of the users' computers, as well as the software, are automatically collected and processed by FIIZY Ltd., and can be transferred to third parties for analysis. To learn more about this process, please read our Cookies Policy.

This data includes: the IP address, the type of browser, the domain name, the hours of use and the addresses of the web pages through which the user arrives at the FIIZY Ltd. Website. The information mentioned above is used to improve the quality of our services and generate usage statistics from the FIIZY Ltd. Website.

Age Restrictions

Clients of FIIZY Ltd. can only be persons over 18 years of age. Minors cannot benefit from our services and therefore are not authorized to send us their personal data.

Communication

At any time the Client may request the deletion of their personal data from the FIIZY Ltd. database. The Client can do so by sending the request to the email address info@solcredit.com or using the contact form on the FIIZY Ltd. Website. The Client always has the right to access and manage the information provided to FIIZY Ltd. If the Client wishes to exercise this right, it is sufficient to request it by writing to info@solcredit.com.

Consent

By providing us with your data and/or by using our service, you accept this Privacy Policy and express your consent for us to use and disclose your personal data in the manner we express below. If you do not agree with any of the most important uses, we will not be able to process your request.

Specifically, you give your consent for us to install cookies or similar technological elements on the computer from which you are visiting our Website and/or making a request. You can learn more about our cookies policy by clicking here.

In addition, you also give your consent for us to share some of your data with third parties (carefully selected), which may contact you through electronic means (including text messages and email) to offer products and services without specifying.

Security

We are aware of the need to adequately protect and control the personal and financial data that you share with us. This information is protected thanks to a Secure Sockets Layer (SSL) protocol and the restricted access of our employees to only what they need to know. We store information in encrypted format and control access through secure web pages. We use firewalls and other security systems to protect our systems from external attacks.

Our security systems meet or exceed the requirements of the industry and we are constantly analyzing internet technology developments to always offer you the most secure services. To make sure they are up to date, we also test them every now and then.

Finally, we are subject to the data protection laws of the United States of America, which we comply with in every way and for which we show great respect.

Web Analytics

This Website might use Google Analytics, a web analytics service provided by Google, Inc., a Delaware company whose head office is at 1600 Amphitheater Parkway, Mountain View (California), CA 94043, United States ("Google").

Google Analytics uses "cookies", which are text files located on your computer, to help a website analyze the use by users of a particular website. The information generated by the cookie about your use of our Website (including your IP address) will be directly transmitted and filed by Google on servers in the United States.

You can prevent your data from being processed by rejecting the use of cookies. This is done by selecting the appropriate configuration of your browser. However, you should know that if you do so, you may not be able to use the full functionality of this Website.

By using this Website you consent to your information being processed by Google in the manner and for the purposes indicated above.

Information Gathering

We obtain information about you in two different ways: on the one hand through your online request, and on the other thanks to external sources such as credit reporting agencies and our Partners.

Information Collection from Children

Collecting any information from children under 18 years of age is strictly prohibited and will not be performed on the Website. We use filters that prevent anyone of illegal age from providing Personal Information on the Website. In case we detect any personal data received from a user under 18 years old, we will immediately delete this information. According to the fact that we do not voluntarily collect, store, share or use any PII from users under 18 years of age, we follow and comply with the Children’s Privacy Protection Act ("COPPA"), and this Privacy Policy is built in consideration of the provisions of this Act.

Compilation of Additional Information

For system administrators to provide information to our advertisers, we may obtain information about your computer (whenever possible), such as your IP address, operating system and type, in addition to the personal and financial information that you provide.

This type of information is statistical and reflects methods and search models but does not identify any person. We may also obtain information about the general use you make of the Internet by inserting a cookie that will be stored on your computer's hard drive, but which does not identify any person either. This information is returned to the server every time the browser needs a server page that allows the web server to identify and track the browser it is using. Thanks to cookies, we can improve our service, make an estimate of our audience and use models, store information about your preferences, and recognize you when you return to our Website.

You can configure your web server to block cookies (or to do so only with third-party cookies), but if you do, you may not be able to make full use of our Website or take advantage of certain promotions that we launch from time to time. Keep in mind that third parties advertised on our Website may also use cookies, but we do not exercise any control over them.

Use of Your Data

We may sell or share the data you provide to third parties involved in the process of providing the requested services, such as borrowers, offices, credit reference agencies, customer service providers and collection agencies. We have a relationship of trust with these carefully selected third parties that provide services on our behalf. To ensure the security of your personal data, all service providers are subject to contracts.

We are the ones who control the information and may use your personal data for statistical analysis, development and improvement of our products, data update, etc. We may also use it to detect other products of ours that may interest you, evaluate credit and insurance risks, organize, finance and administer insurance and process claims, identify, prevent, detect or combat fraud, money laundering and other crimes, carry out other regulatory controls, keep you informed about your loan, for market studies, and for the products and services we offer to third parties.

We will keep your personal data confidential and will only pass it on to third parties in the following cases:

To share information with organizations that offer a centralized application service on mortgage applications, with the purpose of detecting and preventing fraud.

To reputable lenders, in the event that you make a request at www.solcredit.com and it is denied or there are no funds available, we are sure that they may be able to help you obtain a loan.

By submitting your data and by accepting the terms of this Privacy Policy, you accept and express your consent to the use and disclosure of your personal data in the aforementioned cases.

When you make a loan request, your Personal Information will be checked and compared to our own data, that of credit reporting agencies, and that of fraud prevention agencies.

Contact by Solcredit and Third Parties

As part of the loan request process, we will contact you to inform you about our products and services by phone, mail, email and text message (or another reasonable method).

If at any time you wish to stop receiving information from third parties, you will have to follow the instructions on how to unsubscribe that the third party has provided at that moment. Keep in mind that we only work with trusted companies that respect the right of withdrawal from any marketing communication, but that you are responsible for managing said withdrawal or any dispute that may arise.

Our Website may contain links to third party websites. If you follow a link to any of these websites, please keep in mind that these websites have their own terms and privacy policies and that we are not responsible for them. You may receive tracking information and offers from third party companies when you register at Solcredit, and since we only work with selected companies, we are not responsible for the services or representations of third parties.

Notifications for Residents of Different States


We strictly follow Federal and state regulations and codes alike. The way PII can be used is regulated in states differently. Some state regulations require the party that collects personal information to disclose the entirety of the information on how and in what periods the collected information will be shared and what other parties it will be transmitted to (individually and exclusively). Additionally, it may be required to disclose what types of personal information will be shared and in what manner it is supposed to be used by these third parties. In case the user of the Website is a resident of a state where specific regulations are in force, we recommend contacting us directly using the contacts we provide on the Website to get all the necessary information in detail. In this case, each request will be processed individually. We reserve the right to deny the processing of such request if the enquiry was sent from a user who legally resides in a state where such specific regulations are not in force.

Modifications and Changes


The owner of the Website reserves the right to apply changes to this Privacy Policy at its own discretion and without prior notice. In case changes or modifications take place, the renewed information will be posted on the Website and the effective date of the document will be changed to the date of the most recent update of the Privacy Policy. By default, all the information is to be used according to the version of the Privacy Policy enforced at the time this information was collected. The user has the right to determine individually if this rule is acceptable or not. Nevertheless, we encourage all the users of the Website to review the information in the Privacy Policy and follow the dates of modifications to keep up to date and react appropriately if necessary.

Inquiries and Complaints


Users of the Website are within their rights to modify, amend and withdraw their PII collected on the Website. In case it is necessary, the user who decides to make changes to their own information should contact us via email at info@solcredit.com or other contact details stated on the Website and provide inquiries regarding the modifications to be made. Similarly, if any user of the Website has any complaint regarding the functioning of the Website and/or any of its services, this user should use the stated contact details and provide the details of the complaint. We will review all requests and complaints in the shortest time possible and reply as soon as we can.