Consent to the processing of personal data and obtaining a credit history

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Conditions and principles for processing personal data in accordance with GDPR*

Sberbank takes issues of confidentiality and information security very seriously. Protecting your personal data** is one of our key priorities.

We process your personal data collected legally and within the framework of clearly defined purposes specific to Sberbank’s interaction with all parties:
- clients, potential clients, their relatives or representatives;
- counterparties and partners (both existing and potential);
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We may collect your personal data, information about preferences, actions and transactions, etc. using the website and mobile applications Sberbank for predetermined and legitimate purposes.

We may transfer your personal data, including cross-border, strictly subject to legal requirements.

We respect your rights and freedoms, in particular related to the processing of your personal data.

*GDPR – Regulation No. 2016/679 of the European Parliament and of the Council of the European Union “On the protection of individuals with regard to the processing of personal data and on the free movement of such data” General Data Protection Regulation

**The term “personal data” means any information relating to an identified or identifiable to an individual(“data subject”). Personal data may include last name, first name, patronymic, telephone number, postal address, passport data, information about education, income, previous places of work, as well as other information, such as cookies.

A certain company “Soglasie” sits in the “Empire” tower in “Moscow City” and promises people 24% per annum with guarantees from Nordea Bank and DIA, which, of course, cannot exist.

Recording a conversation (call from +79653679867):

Consent company. We previously worked with Otkritie and Ugra banks. So, accordingly, we have now moved to a slightly different level and, accordingly, we are working with Nordea Bank. This is a Norwegian bank. We offer 13.9% per annum if you have a deposit of up to a million rubles. We offer over a million 24%.

Which bank?

"Nordea". This is a Swedish bank.

Where should I go?

Look, today is basically my reception day. We can meet with you today. Presnenskaya embankment, building 6. This is Moscow City, Empire Tower.

Who is the contract with?

The contract is concluded directly with our company. You are directly subject to the DIA, if that's what you're talking about. Here. In general, all guarantees, guaranteed monthly payments. IN Everything is like in banks, identical.

What did you say about DIA?

Well, you fall under the DIA. You are included in the DIA register, under one million four hundred you will have payments in the event of bank bankruptcy. But again, if you have a deposit of over one million four hundred, the DIA, as a rule, does not reimburse large amounts, well, as you know.

Accordingly, we diversify the risks a little, and, accordingly, purchasing assets of companies such as Gazprom, well, large Russian companies and, accordingly, we bear full responsibility for your money.

Well, you said that the contract was concluded with your company “Soglasie”

Yes Yes Yes.

What does this have to do with the Deposit Insurance System, in which only banks participate?

In terms of? We cooperate with the bank. Do you understand? What is the system here? The system is simple. There is a Nordea bank, he works exclusively with legal entities.

Accordingly, we, as a legal entity, act as an investment company. So, accordingly, we attract deposits in order to work in world markets. Right? Western and our internal Russian ones. Accordingly, we work on assets: we capture real estate, the commodity and raw materials market. Respectively, In the event of bankruptcy of our company, all risks are borne by the bank. There is a segregated account in which all guarantees for payments to our investors are located.

Accordingly, also, if the bank collapses, or, let’s say, goes bankrupt, then the DIA will, in principle, pay you the amount. Well, and again, a segregated account is captured, according to which 25 thousand euros are guaranteed to be paid.

On what basis will the DIA pay if I don’t have an agreement with any bank?

Why? By concluding an agreement with us, you automatically fall under the guarantees of Nordea Bank.

P.S. from 04/24/2018

JSC Nordea Bank reports:

“Nordea Bank JSC does not cooperate with the specified company. For our part, we will take all necessary measures to prevent the spread of false information. Thank you."

1. The client gives consent to HKF Bank LLC (hereinafter referred to as the Bank, 125040, Moscow, Pravdy St., 8, k.1) to the processing of his personal data, communicated orally and/or provided in the documents presented for conclusion with Bank loan and bank account agreements documents, as well as documents received from the Bank’s partners and collected on the Internet or in other open sources (hereinafter referred to as Data), in order to verify them and assess the Client’s solvency for the provision of financial services, and in the event of overdue debt - with the purpose of its return; sending offers to the Client of products (services) of the Bank and its partners, as well as other information to maintain client relationships. At the same time, the Client agrees to receive information from the Bank by mail, by telephone, by e-mail, via the Internet, including using instant messaging systems and social networks, or in the form of SMS messages/Push notifications.

2. The Client consents to the Bank making audio and recording email correspondence, photography and video recording, recording the Client’s actions by any means that do not contradict the legislation of the Russian Federation, as well as the use of these materials as evidence in controversial situations.

3. The Client consents to the Bank transferring and/or entrusting the processing of Data to the following third parties - partners of the Bank:

4. The Client consents to the processing of Data (non-automated and mixed) in all ways provided for by the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data” and, in addition, through negotiations in person, by telephone, sending correspondence to mail or e-mail, including the following actions: collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use, transfer (distribution, provision, access), blocking, deletion, destruction of personal data (hereinafter - List of actions with personal data).

5. The client consents to automated, non-automated and mixed processing of information about him as a subscriber in accordance with the List of actions with personal data, mobile radiotelephone operators: MTS PJSC, 109147, Moscow, st. Marxistskaya 4; PJSC VimpelCom (Public Joint Stock Company "Vympel-Communications"), 117623, Moscow, st. On the eighth of March, no. 10, p. 14; PJSC "Megafon", 127006, Moscow, per. Oruzheiny, 41; T2 Mobile LLC, 125212, Moscow, Leningradskoe highway, 39A building 1; APEX LLC, 454048, Chelyabinsk, st. Vorovskogo, 77A; JSC "AKOS", 690048, Vladivostok, prospectus 100 let Vladivostok, 38a; St. Petersburg Telecom LLC, 197374, St. Petersburg, Torfyanaya doroga, 7, letter F, in order to assess its solvency, as well as transfer to the Bank the processing result and the following information about the subscriber: subscriber numbers and other data that allows you to identify the subscriber or his terminal equipment, information from databases of payment systems for communication services provided, including connections, traffic, blocking, tariff plan and subscriber payments.
The Client confirms his consent to the transfer to the Bank by the above mobile radiotelephone operators of the result of processing the information specified in this Consent, obtained on the basis solely automated processing Data, information about communication services provided and payments for these services.

6. The Client agrees to receive his credit history from the credit history bureau for the purpose of deciding on the possibility of concluding agreements with the Bank, including a consumer loan agreement, as well as to analyze the possibility of offering new loans to the Client:

• CJSC "United Credit Bureau", 127006, Moscow, st. 1st Tverskaya-Yamskaya, 2, building 1;
• JSC National Bureau of Credit Histories, 121069, Moscow, Skatertny per., 20, building 1;
• Equifax Credit Services LLC, 129090, Moscow, st. Kalanchevskaya, 16, building 1;
• LLC "Credit Bureau Russian Standard", 105318, Moscow, Semenovskaya Square, 7 building 1.

Consent to obtain a credit history is considered valid for two months from the date of its registration. When concluding a consumer loan agreement within the specified period, it remains in force for the entire duration of the consumer loan agreement.

7. If the Bank refuses to conclude a consumer loan agreement, the Client agrees to the transfer to Finmedia LLC, 194017 St. Petersburg, Dresdenskaya st., 15, lit. A, pom 8-N the following personal data: last name, first name, patronymic, date of birth, information about identity documents, address Email, number mobile phone, as well as information about income in order to receive an offer from Finmedia LLC to conclude an agreement for the provision of consulting services on the selection of financial services. At the same time, Finmedia LLC has the right to process the above personal data of the Client by performing the following actions or a set of actions (using automation tools or without using such tools): collection, recording, systematization, accumulation, storage, clarification (updating, changing), retrieving , use, transfer (distribution, provision, access), blocking, deletion, destruction.

8. Consent to the processing of personal data is valid from the day of signing until the day of its withdrawal. The Client has the right at any time to withdraw the Consent in whole or in part, including refusing to receive offers of products (services) from the Bank and its partners, by submitting a written application to the Bank in any form with the obligatory indication of the full name, series and passport number. The application can be sent by the Client by mail or through Information services, the description of which is posted on the Bank’s website www.site. After receiving the Client’s application to withdraw consent, the Bank has the right to continue processing the Client’s personal data only on the grounds provided for by current legislation.