PRIVACY POLICY
Last updated: 18 March 2o26 year
This Privacy Policy describes how Ayva Finance ("we", "our", or "us") collects, uses, and protects your information when you use our mobile application (the "App").
By using the App, you agree to the collection and use of information in accordance with this Privacy Policy.
1. INFORMATION WE COLLECT
We collect the following types of personal information:
1.1 Personal Identification Information
* Full name
* Phone number
* Date of birth
* Residential address
1.2 Identity Verification Data (KYC)
* Passport or ID document information
* Facial recognition data (selfie verification)
* Document scans and images
1.3 Financial Information
* Bank card details (tokenized and verified via SMS)
* Transaction history
* Credit limit information
1.4 Contacts Information
* Names and phone numbers of two reference contacts provided by the user
1.5 Technical Information
* Device information (model, OS, unique identifiers)
* IP address
* App usage data
2. HOW WE COLLECT INFORMATION
We collect information through:
* Registration and account setup process
* OTP (One-Time Password) verification
* KYC verification via third-party provider (Didit)
* Card linking and SMS confirmation
* User input within the application
* API integrations with third-party services
3. PURPOSE OF DATA COLLECTION
We use your data for the following purposes:
* To create and manage your account
* To verify your identity (KYC)
* To assess your creditworthiness through scoring systems
* To assign and manage your credit limit
* To enable installment-based purchases
* To generate and manage contracts
* To process payments and track obligations
* To prevent fraud and ensure security
* To improve our services and user experience
4. THIRD-PARTY SERVICES
We may share your data with trusted third-party providers, including:
* Identity verification providers (e.g., Didit)
* Credit scoring services (e.g., CRIF)
* Payment processing systems
* Partner merchants and marketplaces
These third parties process your data only as necessary to provide their services and are obligated to protect your information.
5. DATA SHARING
We may share your data:
* With partner merchants to facilitate contract creation
* With financial and scoring institutions for credit assessment
* With payment providers to process transactions
* When required by law or regulatory authorities
We do not sell your personal data to third parties.
6. DATA RETENTION
We retain your personal data for as long as necessary to:
* Provide our services
* Comply with legal obligations
* Resolve disputes and enforce agreements
7. USER RIGHTS
You have the right to:
* Access your personal data
* Request correction of inaccurate data
* Request deletion of your account and data
* Withdraw consent where applicable
To exercise your rights, please contact us using the information below.
8. SECURITY
We implement appropriate technical and organizational measures to protect your data from unauthorized access, alteration, disclosure, or destruction.
This includes encryption, secure APIs, and identity verification mechanisms.
9. COOKIES AND TRACKING
We may use cookies and similar technologies to improve user experience and analyze app performance.
10. CHILDREN’S PRIVACY
Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.
11. CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time. Any changes will be posted within the App.
12. CONTACT US
If you have any questions about this Privacy Policy, please contact us:
Email: udevs4help@gmail.com
Company: Ayva Finance
Address: Tashkent city, Amir Temur Shoh street,129