Last updated: October 9, 2026
This Privacy Policy explains how the mobile application “Credit online - Guide” (the “Application”), developed by
"SALEYA KOSIN - FIS ET" (the “Developer”), processes information when users access and use the Application.
By using the Application, users acknowledge that they have read this Privacy Policy.
1. About the Application
The Application is an informational and reference service designed to help users explore online loan offers, review lending conditions, compare available information, and use informational tools.
The Application does not itself issue loans, make lending decisions, approve loan applications, or act as a bank, financial institution, or lender.
The Application may provide information about third-party financial organizations and their offers. Any loan application or financial transaction conducted outside the Application is handled by the relevant third-party organization under its own terms and privacy policy.
2. Information Provided Directly by Users
The Application does not require users to create an account or register.
The Developer does not directly request users to provide the following information through the Application:
Full name;
Telephone number;
Email address;
Passport or identity document information;
Bank card information;
Bank account information;
Passwords;
Credit history information.
Users can access the Application's informational features without creating an account.
3. Information Processed Automatically
To maintain, analyze, and improve the Application, certain technical and usage information may be processed automatically by the Application and its integrated third-party services.
Depending on the services used and their configuration, this information may include:
Device type and model;
Operating system and version;
Application version;
Language and general device settings;
IP address and network-related technical information;
Advertising identifier;
Application installation and launch information;
Session information;
Interactions with Application features;
Technical error and crash information;
Advertising attribution and campaign performance information.
The exact information processed depends on the configuration of the integrated services.
4. Firebase Services
The Application uses services provided by Google Firebase, including Firebase Analytics and Firebase Crashlytics.
Firebase Analytics
Firebase Analytics is used to analyze how users interact with the Application. Depending on its configuration, it may process information about Application launches, sessions, events, feature usage, device characteristics, and related technical identifiers.
This information helps the Developer understand usage patterns, evaluate Application performance, and improve functionality and user experience.
Firebase Crashlytics
Firebase Crashlytics is used to identify, analyze, and resolve crashes and technical errors.
Diagnostic information may include device model, operating system version, Application version, crash reports, stack traces, and other technical information necessary to investigate and fix problems.
This information is used to improve the stability, performance, and reliability of the Application.
For more information, please visit the official Firebase Privacy and Security page.
Additional information about Firebase Analytics data collection is available in the official Firebase Analytics data collection documentation.
5. AppsFlyer
The Application uses AppsFlyer for mobile attribution, advertising analytics, and measurement of advertising campaign performance.
Depending on the configuration of the AppsFlyer SDK, information processed may include:
Advertising identifier;
Device and technical information;
Application installation information;
Application launch and selected in-app events;
Attribution information;
Advertising campaign source information;
чInformation required to measure campaign performance and detect advertising fraud.
This information helps the Developer understand how users discover and install the Application, measure advertising effectiveness, and optimize marketing campaigns.
The Application is not intended to send passport information, bank card details, passwords, or loan application documents to AppsFlyer.
For more information about AppsFlyer's processing of end-user data, please visit the official AppsFlyer Services Privacy Policy.
You can also review AppsFlyer's information about processing customer data.
6. Advertising Identifier
The Application may use the Android Advertising ID for advertising attribution, analytics, and measurement of advertising campaign performance.
Depending on the SDK configuration, this identifier may be processed by AppsFlyer, Firebase Analytics, or other integrated services that use it.
Users may manage, reset, or delete their advertising identifier through the settings available on their Android device, subject to the options provided by the operating system.
Resetting or deleting the Advertising ID does not necessarily disable all analytics or technical data collection, as some services may use other technical identifiers.
7. Purposes of Information Processing
Information processed through the Application and its integrated services may be used for the following purposes:
Providing and maintaining the Application;
Monitoring Application performance;
Identifying and resolving crashes and technical errors;
Analyzing Application usage and feature interactions;
Improving functionality and user experience;
Conducting statistical analysis;
Measuring advertising campaign performance;
Attributing installations to advertising sources;
Optimizing marketing activities;
Detecting advertising fraud and technical misuse;
Maintaining the stability and security of the Application.
8. Third-Party Service Providers and Data Sharing
The Developer uses third-party service providers to support analytics, advertising attribution, and technical diagnostics.
The main services used by the Application include:
Google Firebase — analytics and crash diagnostics.
AppsFlyer — advertising attribution, campaign analytics, and measurement of advertising performance.
These providers may process relevant technical and usage information to provide their services, in accordance with their applicable privacy policies, contractual terms, and configurations.
The Developer does not sell users' personal information.
Information may also be processed or disclosed where required by applicable law, a valid legal request, or to protect the security and integrity of the Application and its users.
9. Third-Party Websites and Financial Organizations
The Application may contain information about or links to websites operated by third parties, including banks, financial companies, and online loan providers.
When users visit a third-party website, that organization is responsible for its own information collection and processing practices.
Any personal information users voluntarily provide on a third-party website is governed by that organization's privacy policy and terms.
The Developer does not control the privacy practices, security measures, or content of third-party websites and recommends reviewing their privacy policies before providing personal information.
10. Data Security
The Developer takes reasonable technical and organizational measures to protect information processed in connection with the Application.
Third-party service providers maintain their own security measures to protect information during transmission and, where supported, while stored.
Firebase states that its services encrypt data in transit using HTTPS and that Firebase Crashlytics also supports encryption of data at rest.
For further information, please consult the official Firebase Privacy and Security documentation.
However, no method of electronic transmission or storage can guarantee absolute security.
11. Data Retention
The Developer does not create user accounts or maintain personal user profiles through the Application.
Technical, analytical, attribution, and diagnostic information may be retained by third-party service providers for periods determined by their respective policies, service configurations, and applicable requirements.
The Developer retains information only for as long as reasonably necessary for the purposes described in this Privacy Policy or as required by applicable law.
12. Children's Privacy
The Application is not specifically directed toward children.
The Developer does not knowingly request or intentionally collect children's personal information through the Application.
If the Developer becomes aware that personal information has been collected in circumstances that violate applicable requirements, reasonable steps will be taken to address the issue.
13. User Rights and Choices
Depending on applicable law, users may have rights regarding their personal information, including the right to request access to, correction of, or deletion of certain information.
Requests concerning information processed directly by the Developer may be submitted using the contact details provided below.
For information processed by third-party service providers, users may need to contact the relevant provider or use the privacy controls it offers.
Users may also manage their Advertising ID through their Android device settings.
14. International Data Processing
The third-party services used by the Application may process information on servers located in different countries, depending on their infrastructure and service configuration.
Where applicable, such processing is subject to the relevant service providers' data protection practices and applicable legal requirements.
15. Changes to This Privacy Policy
The Developer may update this Privacy Policy from time to time to reflect changes in the Application, integrated services, information-processing practices, or applicable laws.
The updated version will be published at the same location as this Privacy Policy. The date of the latest update will be indicated at the beginning of the document.
Users are encouraged to review this Privacy Policy periodically.
16. Contact Information
If you have any questions about this Privacy Policy or the processing of information through the Application, please contact the Developer:
Developer: SALEYA KOSIN - FIS ET
Email: kosinsalea@gmail.com
By using the Application, users acknowledge that they have read and understood this Privacy Policy.