Privacy Policy | darel.bond

01

What this policy covers

DAREL, OOO collects and handles personal data only to the extent required to operate its digital financial-service platform — including identity verification, transaction processing, fraud detection, and regulatory compliance. This policy describes what data we hold, why we hold it, and what rights you have over it.

02

Data we may collect

Identity and contact

Full name, residential or mailing address.
Email address and phone number, including hashed variants used in security workflows.
Government-issued document data submitted for identity verification.

Financial

Bank account details, payment identifiers, and transaction records.
Credit application data, income details, and repayment history.

Biometric — face data

Selfie and document images submitted during the verification step.
A match result confirming whether the submitted image corresponds to the application identity.

Face data is collected only within the identity verification workflow. It is not gathered from background app activity or unrelated device functions.

03

Why we process your data

To verify your identity and authorize access to service functions.
To process loan applications, disbursements, repayments, and related communications.
To detect, investigate, and prevent fraud and unauthorized platform access.
To comply with financial regulation, tax law, and consumer-protection obligations.
To maintain platform security and operational continuity.

04

Who may receive your data

We do not sell personal data. Disclosure is limited to:

Contracted service providers covering payment processing, cloud hosting, identity verification, and security monitoring, operating under strict data-handling agreements.
Regulatory bodies, law enforcement, or courts where disclosure is required by binding legal obligation.
Successor entities in the event of a merger or acquisition, subject to equivalent privacy protections.

Face data is excluded from any advertising or third-party analytics use.

05

How long we keep data

Account and transaction records — retained while necessary for service delivery and legal recordkeeping duties.
Financial and compliance records — kept for the periods mandated by applicable regulation.
Face data — deleted within 30 days of collection unless a longer retention period is legally required.

06

Security

Encrypted transmission and at-rest storage for sensitive records.
Access restricted to personnel with a demonstrated need.
Continuous monitoring with incident-response procedures in place.

07

Your rights

Subject to applicable law, you may request access to, correction of, deletion of, or restriction on processing of your personal data. Send requests to rena@darel.bond.

08

Cross-border processing

Some service functions use external payment, verification, or infrastructure providers that may process data in jurisdictions outside your country of residence. Any such transfers are governed by this policy and applicable data-protection law.

09

Children

The service is not directed at users under 13. If you believe a child's data has been submitted in error, contact rena@darel.bond immediately.

10

Changes to this policy

DAREL, OOO may update this policy to reflect changes in law, service operations, or security practices. The current version supersedes all prior versions.