Platiza - Займы онлайн 2.312.00

The Platiza - Online Loans application is a platform designed for citizens of the Russian Federation who have reached adulthood, allowing them to access microcredit services. The microfinance company “Platiza.ru” (a Limited Liability Company) is registered in the state registry of microfinance organizations, with registration number 651203045001237, maintained by the Central Bank of Russia since March 15, 2012. The company's activities are subject to regulatory oversight by the Central Bank of the Russian Federation and are governed by:

• Federal Law No. 151-FZ dated July 2, 2010, "On Microfinance Activities and Microfinance Organizations";
• Federal Law No. 353-FZ dated December 21, 2013, "On Consumer Credits (Loans)".

The application enables users to:

• Borrow amounts ranging from 3,000 to 100,000 rubles with repayment periods from 10 to 18 weeks;
• Manage loans by checking statuses, making repayments, and extending loan terms;
• Accumulate and spend bonus points.

The minimum annual interest rate on loans is 0%, while the maximum does not exceed 36% per annum, aligning with the ceiling established by the Central Bank of Russia.

The cost of a loan is calculated using the formula:

1. Loan cost = principal amount + interest accrued;
2. Interest accrued = number of days used * daily interest rate;
3. Daily interest rate = annual interest rate / 365 days.

For illustration, consider a loan of 50,000 rubles with a repayment period of 70 days at an annual interest rate of 36%:

• Daily interest rate: 36% / 365 ≈ 0.098%;
• Interest per day: 50,000 * 0.00098 ≈ 49 rubles;
• Total interest for 70 days: 49 * 70 = 3,430 rubles;
• Total repayment amount: 50,000 + 3,430 = 53,430 rubles.

In processing personal data, the company adheres to:

• Federal Law No. 152-FZ dated December 27, 2006, "On Personal Data";
• The company's Privacy Policy: https://platiza.ru/about/docs/mobile-privacy-policy/
• The company's Policy on Personal Data Processing and Protection: https://platiza.ru/about/docs/policy-personal-data-3/

The purposes for collecting personal data include:

• Evaluating the possibility of entering into a loan agreement;
• Obtaining information about the borrower's credit history;
• Enabling interaction within the app, collecting visitor statistics to improve functionality and content, conducting statistical research and reviews, and promoting products and services provided by the company;
• Other objectives specified in the Privacy Policy.

The company commits to actions such as collecting, recording, systematizing, accumulating, storing, updating (refining or changing), retrieving, using, transferring (sharing or providing access), blocking, deleting, and destroying personal data.

Additionally, it is noted that the company is registered as a data operator in the registry of personal data operators: https://pd.rkn.gov.ru/operators-registry/operators-list/?id=77-16-005218, and operates under the supervision of the Federal Service for Supervision of Communications, Information Technology and Mass Media of Russia.

The Platiza - Online Loans application does not have access to confidential information such as photographs or contacts.