Privacy policy

Insula Limited Liability Company, hereinafter referred to as the “Attorney”, publishes this offer (hereinafter referred to as the “Agreement”), which is a public offer (offer) to individuals interested in concluding loan and loan agreements for purposes not related with the implementation of their entrepreneurial activities, and, as a result, interested in submitting applications to credit organizations, microfinance organizations for the conclusion of these agreements and all necessary documents.

In accordance with article 438 of the Civil Code of the Russian Federation (Civil Code of the Russian Federation), the unconditional acceptance (acceptance) of the terms of this offer is the completion by an individual of the lead generation form on the site vn-finance.com with its details (name, phone number and (or) email address, information about employment and pressing the “Continue” button. Due to the fact that pressing the “Continue” button is impossible programmatically without putting a mark on acceptance of the conditions of this offer, sending data via the lead generation form is verbal acceptance of this offer. From the moment of the indicated actions for accepting the offer, an individual is considered to have entered into contractual relations with the Attorney as a Principal.

1. Concepts and terms:
Partners — microfinance organizations, as well as partner banks of the Attorney or their representatives with whom Insula LLC has concluded agreements under which the latter is obliged, in addition to informing interested parties about financial products, in particular, be redirected to microfinance organizations, banks or representatives of microfinance organizations banks applications such persons. The list of Partners is presented at the link: vn-finance.com

Application — information about the principal-physical person who provided his data and (or) documents (including scanned copies) for further transmission to the Partners for decision-making on the possibility of concluding an agreement with him.

Loan agreement — an agreement on the provision of borrowed funds to the Principal by the Partner, which the Principal intends to conclude with the Partner.

2. Subject of the contract
2.1. The Principal (the individual accepting this offer) instructs the Attorney (Insula LLC), acting in the interests of the Principal, to transfer the data and documents provided by the Principal to the Partners for making decisions on the possibility of concluding an agreement with the Principal, and the Attorney agrees to transmit the specified data to the Partners in the form required by each of the Partners and the amount necessary for the Partner to make a decision on the possibility of concluding a contract.
If, after receiving a positive decision of the Partner, the Principal instructs the Attorney to transfer to the Partner the documents and (or) copies of documents necessary for concluding the loan agreement, the Attorney, upon request of the Principal, provides the latter with a list of documents necessary for the conclusion of the agreement by the specific Partner. The documents transmitted by the Principal according to the list (including scanned copies) The Attorney shall transmit to the Partner with whom the Principal has expressed its intention to conclude an agreement.
The data and documents that the Principal instructs the Attorney to transfer to the Partner are described in section 3 of this agreement.
2.2. The Principal, concluding this agreement and transferring the data provided for in clause 3.1 to the Attorney, agrees to the transfer of his data by the Attorneys to the Partners for processing in order to consider the loan application (making a decision on the conclusion of the agreement).
2.3. The Principal does not pay Remuneration for the execution of the order provided for in this contract.

3. The procedure for providing data and documents
3.1. In pursuance of this agreement, the Principal provides, by filling in the lead generation form on the site vn-finance.com, data on the phone number and email address, thereby accepting this offer in the manner described in the preamble. In addition to this data, the Principal provides the Attorney with the following documents and data:
3.1.1. Copy of the Principal’s passport;
3.1.2. Information on marital status, name of spouse;
3.1.3. Information on property status, including information on rights to real estate,
3.1.4. Information about the date and place of birth;
3.1.5. Information on the name, patronymic, last name of the Principal;
3.1.6. Bank card number or e-wallet ID information;
3.1.7. other information and documents that may be required for consideration of the application by a particular Partner
3.1.8. nformation and documents necessary for the Principal to conclude an agreement with a specific Partner (pursuant to paragraph 2 of clause 2.1. of the agreement).
Further, everything listed in this paragraph is referred to as “documents”.
3.2. All documents must be submitted by the Principal to the Attorney to the Attorney by e-mail info@vn-finance.com from the Principal’s email address specified upon acceptance of this offer.

4. Rights and obligations of the parties
4.1. The attorney must:
4.1.1. Transfer the information and documents provided by the Principal to the Partners within three working days after receiving them from the Principal in the form in which they are provided to him. The exception is cases when the Principal explicitly expressed its intention to transfer the application and documents exclusively to a specific Partner. The Attorney is not entitled to change, specify, correct the data provided by the Principal without the consent of the Principal.
4.1.2. Use the data provided by the Principal exclusively for the execution of the contract (clause 2.1).
4.1.3. To inform the Principal by posting on the vn-finance.com website the actual lists of Partners, insurers, as well as the editorial board of this offer.
4.1.4. To inform the Principal by the methods provided for in this agreement, information on the transfer of the application to the Partner and the result of its consideration (if known to the Attorney).
4.1.5. Respect the confidentiality of data and ensure the security of data during their processing, as well as ensure the application of the set of organizational and organizational and technical measures necessary in accordance with the law to protect and ensure the confidentiality of information.
4.2. The attorney has the right:
4.2.1. To amend unilaterally the present offer, the list of Partners and bring such changes through the publication of the current list at vn-finance.com.
4.2.2. To process data provided by the Principal using automation tools or without using such means by collecting, recording, systematizing, accumulating, storing, updating (updating, changing), extracting, using, transmitting (disseminating, providing, access), depersonalizing, blocking , removal, destruction; and also instruct the Partners in the indicated ways.
4.2.3. To send out informational and advertising messages to the Principal by phone number and email address of the Principal.
4.2.4. Transfer personal data and documents provided by the Principal, to Partners for the purpose of fulfilling this agreement.
4.2.5. In order to fulfill this agreement, conclude any agreements with microfinance organizations and other third parties.
4.3. The Principal is entitled to:
4.3.1. At any time, request and receive information on the execution of the contract by e-mail
4.3.2. At any time, terminate this agreement by sending a written request about it to the address: st. Flower, d. 25A
4.4. The principal shall:
4.4.1. To guarantee the accuracy, completeness of the information provided, as well as the intention to conclude this agreement and transmit to the Partner the information in exactly the amount that is provided to the Attorney. Independently determine the amount of information and its list that it provides to the Attorney.
4.4.2. Be responsible for providing the Attorney with false information.
4.4.3. If necessary (if there is a demand of the Partner about this) to provide the originals of the documents provided for in clause 3.1 of this agreement, for this to be at the request of the Attorney at his office at the address: st. Flower, d. 25A, within two working days after receiving a message about this from the Attorney. If the original documents are not provided, the Attorney is not responsible for the non-transfer of documents to the Partner.
4.4.4. Independently familiarize yourself with the changes made by the Attorney in accordance with clause 4.2.1.

5. Personal data. Newsletters. Procedure for withdrawal of consent
5.1. In order to provide services for the transfer of documents submitted by the Principal to the Partners, the partners of Insula LLC for the subsequent decision by the Partner to conclude an agreement with the Principal and inform about the services of the Principal and Partners, the Principal agrees to the processing of his personal data, which he provides by filling out the form on the site of the Attorney, as well as those indicated in the transferred documents, namely: last name, first name, patronymic, date of birth, marital status, information on seniority, amount of earnings, contact details (hell EU, phone number, e-mail), by any means, using automation tools and without using such tools, including collection, recording, systematization, accumulation, storage, clarification (update, change), extraction, use, transfer (provision), depersonalization, blocking, deletion, destruction of personal data, obtained as a result of their processing. The Principal agrees to the transfer of his personal data to third parties (Partners) in order to fulfill this agreement. The specified consent is given for the period necessary for the execution of this Agreement.
5.2. The Principal agrees to receive, through telecommunication means of communication (telephone, social networks, mobile messengers, e-mail), advertising messages on the activities of the Attorney and Partners. The specified consent is given for a period of 5 years.
5.3. The Principal is entitled at any time to revoke the consent given to him in accordance with clauses 5.1 and 5.2 of this agreement, both together and with respect to each of the consent separately by sending a written request about this to the Attorney at the following address: st. Flower, d. 25A. Upon receipt of such a request, the Attorney stops processing the data and (or) sending advertising messages, sending the Principal a notification on the consideration of his application, within five working days after receiving it by the method specified in the Principal’s application.
5.4. The Attorney agrees to maintain the confidentiality of personal data and ensure the safety of personal data when processing them in accordance with the Federal Law «On Personal Data» No. 152-ФЗ and the documents of the Attorney governing work with personal data.

6. Dispute Resolution Final provisions
6.1. The parties resolve disputes in a complaint. And if such a resolution is not possible, the dispute is referred to the court in accordance with the law. In the event of a dispute, the parties agreed that the data of the internal accounting software system are recognized by both parties as reliable and have probative value.
6.2. This agreement is considered concluded at the time of acceptance of the offer and is valid until the fulfillment of obligations, and in terms of processing the data of the Principal — for five years from the moment of acceptance of the offer.
6.3. The parties agreed to give legal force to correspondence made after the conclusion of the contract by e-mail.