Last updated: September 26, 2026
This Privacy Policy explains how the mobile application “Займы онлайн на карту — Руководство” (the “Application”), developed by
"KREDONAT" (the “Developer”), processes information when users access and use the Application.
By using the Application, you acknowledge that you have read and understood this Privacy Policy.
1. About the Application
The Application is an informational and reference service that allows users to review information about online loan offers, compare available conditions, and use informational and calculation tools.
The Application itself does not provide loans, make lending decisions, process loan applications, or act as a bank, financial institution, or lender.
The Application may provide links or other ways to access third-party websites and services. Any loan application submitted after leaving the Application is processed by the relevant third-party organization under its own terms and privacy policy.
2. Personal Information Provided by Users
The Application does not require users to create an account or register.
The Developer does not directly request or require 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.
The main informational features of the Application can be used without creating an account.
3. Information Collected Automatically
To provide, maintain, analyze, and improve the Application, certain technical and usage information may be automatically processed by the Application and by third-party services integrated into it.
Depending on the services and SDK configuration, this information may include:
device type and model;
operating system and version;
Application version;
language and general device settings;
IP address or network-related information;
advertising identifier;
application installation and launch information;
session information;
information about interactions with Application features;
crash and diagnostic information;
information about advertising attribution and campaign sources.
The exact information processed may vary depending on the
4. Firebase Services
The Application uses services provided by Google Firebase, including Firebase Analytics and Firebase Crashlytics.
Firebase Analytics
Firebase Analytics may be used to understand how users interact with the Application, including information about application launches, sessions, events, feature usage, and technical characteristics of the device.
This information helps the Developer understand Application usage, identify areas for improvement, and optimize the Application's performance and functionality.
Firebase Crashlytics
Firebase Crashlytics is used to identify, analyze, and resolve crashes and technical problems.
Crash reports may contain technical information such as device model, operating system version, Application version, crash information, and other diagnostic information necessary to investigate technical failures.
The purpose of this processing is to improve Application stability, performance, and reliability.
For more information about Firebase privacy and data protection practices, please visit the official Firebase Privacy and Security page.
5. AppsFlyer
The Application uses AppsFlyer for mobile attribution and measurement of advertising campaigns.
AppsFlyer may process information such as:
advertising identifier;
device and technical information;
Application installation information;
Application launch and usage events;
attribution information;
information about the source of an installation;
information necessary to measure advertising campaign performance.
This information is used to determine how users discover and install the Application, measure advertising effectiveness, analyze campaign performance, and optimize marketing activities.
AppsFlyer does not receive the user's passport information, bank card information, passwords, or other sensitive information directly from the Application because the Application does not request such information.
For more information about how AppsFlyer processes data received through applications using its services, please visit the official AppsFlyer Services Privacy Policy .
6. Advertising Identifier
The Application may use the Android Advertising ID for analytics, attribution, and measurement of advertising campaigns.
The Advertising ID is a technical identifier provided by the user's device and may be processed by integrated analytics and attribution services, including AppsFlyer and other applicable services.
Users can manage or reset their Advertising ID through the settings available on their Android device, subject to the functionality provided by the Android operating system.
7. Purposes of 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 fixing crashes and technical errors;
understanding how Application features are used;
improving functionality and user experience;
conducting statistical and analytical measurements;
measuring advertising campaign performance;
attributing Application installations to advertising sources;
optimizing marketing campaigns;
detecting technical problems and misuse;
maintaining the security and reliability of the Application.
8. Third-Party Service Providers
The Developer may use third-party service providers to provide analytics, attribution, diagnostics, and technical services.
These providers may process technical and usage information in accordance with their respective privacy policies and terms.
The primary third-party services used by the Application include:
Google Firebase
Used for analytics and crash diagnostics.
AppsFlyer
Used for mobile attribution, advertising measurement, and campaign analytics.
The Developer does not sell users' personal information.
9. Third-Party Websites and Loan Providers
The Application may contain links to websites or services operated by third parties, including financial companies and online loan providers.
When a user follows such a link, the user leaves the Application and interacts directly with the third-party service.
Any information provided by the user on a third-party website is processed according to that company's own privacy policy and terms.
The Developer does not control and is not responsible for the privacy practices, security, or content of third-party websites.
Users should review the privacy policy of the relevant third-party service before submitting any personal information.
10. Data Security
The Developer takes reasonable technical and organizational measures to protect information processed through the Application.
Third-party service providers may use security measures designed to protect information during transmission and storage.
Firebase states that its services use HTTPS to encrypt data in transit and that several Firebase services, including Crashlytics, also support encryption of data at rest.
For additional information, please refer to the official Firebase Privacy and Security documentation.
However, no method of transmission or electronic storage can guarantee absolute security.
11. Data Retention
The Developer does not create user accounts and does not maintain a personal user profile based on information collected through the Application.
Technical, analytical, attribution, and diagnostic information may be retained by third-party service providers for periods determined by their respective policies and configurations.
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.a
12. Children's Privacy
The Application is not specifically directed toward children.
The Developer does not knowingly request or intentionally collect personal information from children through the Application.
13. User Rights
Depending on applicable law, users may have rights regarding the processing of their personal information, including rights to request access to, correction of, or deletion of certain information.
Because some information is processed directly by third-party service providers, certain requests may need to be addressed to the relevant provider.
Users may also have controls available through their Android device for managing or resetting the Advertising ID.
14. Changes to This Privacy Policy
The Developer may update this Privacy Policy from time to time to reflect changes in the Application, integrated services, legal requirements, or data processing practices.
Any updated version will be published at the same location as this Privacy Policy.
The date of the latest update is shown at the beginning of this document.
15. Contact Information
If you have any questions about this Privacy Policy or the processing of information through the Application, please contact:
Developer: KREDONAT
Email: supportappkz@gmail.com
By using the Application, you acknowledge that you have read and understood this Privacy Policy.