Privacy Policy

• In this Privacy Policy, references to skinum.ge (hereinafter referred to as “we” or “our”) mean skinum.ge (“Website” or “Site”) operated by Skinum LLC (a limited liability company established under the laws of Georgia, Company No.: 402304225) (hereinafter referred to as the “Company” or “we”). We define the purposes and means of processing personal data.

• For skinum.ge users (including former and/or future) or other persons who have expressed interest in a specific product or service, our legal representative or contact person is the user. As well as for any other person with whom we do not have direct contact, but whose information processing is necessary/desirable for the implementation of our activities and/or to improve our products/services.

The source of your data for us is:

• Your use of our official website (except if you are browsing the site as a guest);
• Your registration/authorization on our website;
• To contact you for the purpose of receiving services and products;
• Your use of our services/products;
• Information obtained from public sources.

The source of your data for us is:

• Your use of our official website (except if you are browsing the site as a guest);
• Your registration/authorization on our website;
• To contact you for the purpose of receiving services and products;
• Your use of our services/products;
• Information obtained from public sources.

In order to effectively fulfill our contractual obligations, including legal obligations, between us and our users, we process your personal data for the following purposes:

• For customer relationship management;
• To introduce new products and services;
• To monitor your use of our products;
• To carry out marketing activities;
• To send status notifications related to activity on the site, such as notifications of successful purchase or installment approval;
• For automatic loan approval by your servicing bank;
• To monitor user behavior in relation to our products and services;
• To develop/improve our brands, products and services;
• To test new products, systems or services;
• To provide quality products and services;
• To receive feedback from you and respond to complaints;
• To prevent misuse of our systems and crime;
• For the detection and investigation of crimes, for the preparation of reports;
• For managing the user's account and funds deposited into the account, for withdrawing funds from the account by the user and for carrying out other operations related to funds;
• To manage our and our customers' risks;
• To exercise our rights under agreements and contracts;
• To protect our and your legitimate interests;
• For other legitimate purposes.

Information and data about you (please note that the collection/storage/use/processing of the information below is not mandatory for us. skinum.ge reserves the right to collect/store/use/process data as necessary in specific cases for various purposes as set out in the Personal Data Protection Policy), which we may collect, store, use and process, may include, but is not limited to, the following data:

• Personal data:
• User Account Details: When you open a user account (registration) and use the Services, for the processing/fulfillment of your order/request and for the purposes provided for in this Personal Data Protection Policy, we may ask you to provide specific personal data about you, such as: name and surname, email address, gender, date of birth, actual address, personal number, telephone number, etc. Also, for the purposes of authorization on the Site and/or making a payment transaction, we may process your bank account number and card details/data, which are necessary for the provision of the relevant service. When authorizing with a bank account, we and the bank servicing the relevant bank account may process your credit/debit information to make a decision to issue an automatic loan.
• Voluntary Information: We also collect information that you voluntarily provide to us through various means of communication. For example, when you contact us by email or share additional information about yourself through your use of our website services, such as live chats with the website support team, or provide us with information about your personal interests.
• Login History and Technical Information: In order to improve the functionality of the Services and provide a better user experience, we collect technical information transmitted by your device, including software and hardware (e.g., what type of browser and operating system your device uses, what language you prefer, login time and the domain name of the website from which you connect to the Services, etc.).
• Cookies: We use cookies and similar technologies to personalize and enhance your experience. We collect cookies to help you navigate our websites and other remote platforms, provide you with information in a format that you prefer, improve search options, secure user authentication, marketing, optimize the design of our websites, and provide a better user experience.
• Device and Connection Information: If you download software to your device, we may collect information about the specific device you are using for security and fraud detection and prevention purposes. For example, we may collect information about other software that is running alongside the software to identify whether you are using software that is associated with fraudulent activity (e.g., bots, malware, AI, etc.) or to check whether you are using a VPN or Proxy connection.
• Analytical Information: We may collect information about your use of the Services, such as application usage, file searches, user activity (e.g. pages viewed, time spent on a particular page, online browsing, clicks, actions, etc.), time stamps, notifications, etc. The information is collected for the purpose of troubleshooting incidents, as well as for research and analysis purposes regarding your use of the Services.
• Non-identifiable information:
• We may de-identify and anonymize your personal data in a way that does not directly or indirectly identify you. Our use and disclosure of information so de-identified is not subject to the restrictions set out in this Privacy Policy. We may disclose this information to others without restriction for any purpose.

skinum.ge ensures consistent and high-quality protection and security of your personal data.

We will retain your data for the period necessary to achieve the purpose of the processing. If you are no longer a user of skinum.ge, your data will be retained in accordance with the purposes set out in the policy, law and regulatory documents.

If necessary, where there are grounds for data processing, to fulfill our obligations under the law or contract, we may share your personal data with the skinum.ge group and the other parties listed below:

• Your legal representative;
• Law enforcement agencies, regulators or other bodies specified by law;
• Third parties with whom you ask us (or allow us) to share your data;
• Third parties with whom sharing information is necessary to provide you with the products and services you have requested;
• Service providers - companies that provide services to us or on our behalf;
• To any third party as provided for by law.

In order to provide you with promotional materials related to services, products, services, websites and applications that are relevant and of interest to you (direct marketing), we may use your personal information, which is limited to your name, email address or telephone number, directly or through our third-party subcontractors/affiliates/joint marketing partners/business partners.

In order to provide you with various marketing offers that we and our marketing partners believe are relevant to you, we may share and disclose this personal information with our marketing partners.

You may opt out of receiving marketing communications from us or our authorized representatives at any time by following the instructions in the marketing communications: select “Edit Profile” on your skinum.ge account page or contact our support team at info@skinum.ge. Please note that even if you unsubscribe from our marketing mailing list, we may continue to send you information and notifications about updates related to the Website services.

We take great care in implementing and maintaining measures to protect your personal data. We have implemented appropriate physical, technical and organizational security measures to prevent unauthorized access and ensure the proper use of the information we collect online. These security measures vary depending on the sensitivity of the information we collect and store.

To protect our users' personal information, we use standard control procedures and tools, such as:

• Secure network topology, which includes intrusion prevention and software and hardware security systems;
• Encrypted connection;
• Authentication and access control;
• Internal and external audit tests, etc.

We also have physical, electronic and procedural controls in place to protect your data from unauthorized access, use, transfer, loss or destruction.

Although we take all reasonable precautions to ensure information security, in the face of rapidly evolving technology, we cannot be held responsible for the actions of individuals who attempt to access, misuse, or disrupt the Services. We make no warranties, express, implied, or otherwise, other than that we will take all reasonable precautions to prevent such access.

The Site may contain hyperlinks to other websites, which may have policies and practices that differ from ours. The fact that we have provided a link to the Site does not constitute an endorsement, authorization, sponsorship, or affiliation with that site, its owners, or providers. Links to other sites are provided solely as a convenience to you. We are not responsible for the content, accuracy, privacy practices, or reliability of any other sites linked to our Site. There are risks involved in using any information, products, software, or services on the Internet. Please ensure that you fully understand these risks before using, relying on, or purchasing anything from these sites.

Incoming and outgoing phone calls to our support office are recorded for the purpose of improving service, training, and ensuring security, as well as resolving any issues that may arise with the services you use.

• Receive information about the data processed about you;
• Request the correction, updating and/or completion of incorrect, inaccurate and/or incomplete data;
• Request the cessation, deletion or destruction of data processing if:
• You can withdraw your consent, which is the sole basis for data processing; to withdraw your consent, you can contact us at the email address provided in the "Contact" section of the website.
• The data processing is no longer necessary for the purpose for which it was processed;
• The data processing is being carried out illegally.
• Request data blocking if:
• The authenticity or accuracy of the data is questionable;
• The processing of the data is unlawful, although you oppose their deletion and request blocking instead;
• The data are no longer necessary to achieve the purpose for which they were processed, but you need them for legal proceedings;
• A request for the cessation, deletion or destruction of data processing is being considered;
• At any time, withdraw your consent to process your data. In such a case, we will cease processing unless there is another legal basis for processing your data;
• File a complaint regarding processing, including with the State Inspectorate or in court;
• Limitation of your rights:
• Your rights may be restricted if this is expressly provided for by law, or the exercise of these rights may threaten the financial or economic interests of the country; the exercise of the functions and powers of supervisory bodies; the protection of state, commercial, professional and other secrets provided for by law.

The Website Services are not designed or intended for persons under the age of 18, or persons who have not reached the age of legal consent in any jurisdiction to use the Services (“the age of majority”). If you are not of legal majority, you are not authorized to download or use the Services or provide us with any personal information.

We reserve the right to access and verify any personal information we receive from you. If we learn that the information was shared by a user who has not reached the age of majority, we have the right to disregard this information. If you have reason to believe that information was shared with us by a minor, please let us know.

From time to time, it may be necessary to change our Privacy Policy. If we make changes, we will post those changes on our websites and indicate the date of the change to this Policy. The modified Privacy Policy will be effective upon posting on the page. It is your responsibility to periodically visit our website and review the revised Policy in case of any changes. Your provision of information to us or your continued use of our websites after we make changes to the Policy will constitute your acceptance of the changes.

Your use of our website (except as a guest) constitutes your consent to our use of your personal data, including any entries you have made. This Privacy Policy forms an integral part of these Terms of Use.

In order to provide you with service, it is necessary for us to have complete and accurate information about you, therefore, please notify us if your contact information or other information changes.

Contact us at info@skinum.ge if you have any questions or would like more information about how we process your personal data.