Privacy Policy

1. Data Controller Identity and Address

AM Financial Marketplace (hereinafter, "Finmatch", "the Company", "we" or "our"), with fiscal domicile in Armenia, is the data controller responsible for processing personal data you provide through our Finmatch mobile app and web platform finmatch.online.

2. Personal Data We Collect

To provide our financial information and assistance services, we collect only the following data:

a) Identification and contact data

• Full name
• Email
• Phone number
• Date of birth

b) Basic financial information

• Income information (declared by the user)

c) Technical and usage data

• IP address
• Mobile device type and model
• Operating system (iOS, Android)
• Unique device identifiers
• Cookies and similar technologies
• Pages and features visited within the app
• App usage time

Data We DO NOT Collect:

• ❌ Photos or personal images
• ❌ Credit history
• ❌ Bank data or card information
• ❌ Active loan information
• ❌ Precise or approximate geolocation data

3. Purposes of Data Processing

Primary Purposes (necessary for the service):

• Provide information about available financial products
• Offer financial product comparison tools
• Provide current financial news
• Offer tax and filing information
• Manage and administer your user account
• Comply with legal and regulatory obligations
• Handle inquiries and technical support requests

Secondary Purposes (require your consent):

• Send informational communications about financial products
• Conduct market research and statistical analysis
• Improve user experience in the app
• Develop new products and features
• Send informational newsletters

If you do not wish your personal data to be processed for secondary purposes, you may express your refusal by sending an email to privacy@finmatch.online.

Services we do NOT offer:

• ❌ We do not process credit applications directly
• ❌ We do not verify identity or perform KYC checks
• ❌ We do not process payments or financial transactions
• ❌ We do not act as an intermediary in transactions

4. Sharing Data with Third Parties

Your personal data may be shared only with:

• Technology service providers: Hosting, data analytics (Google Analytics, Firebase) for application operation.
• Competent authorities: When legally required.

We do NOT share your data with:

• ❌ Financial institutions or banks
• ❌ Credit companies or lenders
• ❌ Payment processors
• ❌ Identity verification services

All transfers are carried out under strict confidentiality agreements and compliance with applicable data protection laws.

5. Data Security

We implement technical and administrative security measures to protect your information:

• SSL/TLS encryption for data in transit
• Sensitive data encryption at rest
• Restricted access controls
• Periodic security audits
• Continuous system monitoring

For more details, see our Security Policy.

6. Data Retention Period

We retain your personal data for:

• As long as you keep your Finmatch account active
• Up to 5 years after account closure for legal obligations
• The time necessary to resolve disputes or enforce our agreements

Once these periods are met, we proceed to secure deletion or anonymization of your data.

7. ARCO Rights (Access, Rectification, Cancellation, and Opposition)

You have the right to:

• Access: Request a copy of your personal data that we retain.
• Rectify: Correct inaccurate or incomplete data.
• Cancelar: Request deletion of your data.
• Object: Object to the processing of your data for certain purposes.

8. Cookies and Tracking Technologies

We use cookies and similar technologies (Google Analytics, Firebase) to:

• Keep the user session active
• Remember preferences and settings
• Analyze app usage and improve its performance
• Provide relevant content

You can manage tracking preferences from your device or app settings. See our Cookie Policy complete.

9. Minors

Our services are intended for people over 18 years old. No recopilamos intencionalmente información de menores de edad. If we identify that information from a minor has been provided, we will proceed with its immediate deletion.

10. International Data Transfers

Your data may be transferred and processed on servers located outside Armenia (primarily Google Cloud and Firebase services). We guarantee that such transfers comply with:

• Approved standard contractual clauses
• Data processing agreements with certified providers
• Security measures equivalent to those required in Armenia

11. Changes to this Policy

We reserve the right to update this Privacy Policy at any time. We will notify material changes through:

• In-app notification
• Email to the registered address
• Publicación en https://finmatch.online

Continued use of the application after publication of changes constitutes acceptance thereof.

12. Links to Third-Party Sites

The app may contain links to websites of financial institutions or other third parties for informational purposes. We are not responsible for the privacy practices of such third parties. We recommend reviewing their privacy policies before providing them with information.

13. Documentos Relacionados

For additional information, see:

• Terms and Conditions of Use
• Cookie Policy
• Security Policy