Contacts and rules

Legal rules and regulations for citizens of Russia and the CIS:

* It is necessary to pay $450 for the registration of a loan agreement (for any amount of credit) Attention!

Russian citizens make payments through certified payment agents in the country of your location for the convenience of payment, since all international transfers are banned in Russia due to sanctions.

The details are sent exclusively by the customer service of our company!

* It is necessary to deposit the insurance amount specified after the registration of the loan agreement. The insurance amount directly depends on the amount of the loan and the terms of the loan. The minimum annual % rate can be paid by clients of a financial company with valid financial business risk insurance. If you refuse this additional service, financial companies will not be able to issue credit funds, since there is a huge risk that the Borrower will not be able (or will not want) to fulfill credit obligations under the loan agreement. The first thing we will focus on is financial risk insurance, this is a mandatory clause of the contract, which often becomes useful for the Borrower himself.

Especially in cases where force majeure circumstances arise in terms of solvency due to reasons related to health, business, lack of funds to pay off the loan. In this case, insurance is needed

- it fully reimburses the creditor for all financial obligations.

* The borrower is checked only through Interpol and the FBI for terrorist financing.

* The grace period is 4 years without interest.

If the Borrower repays the loan during the grace period, then there is no interest! 0%!

Basic rules and regulations of the Company:

The CLIENT receives the decision on lending within 1-3 days. Around the clock and seven days a week. Terms and amounts of transfer of credit funds during the term of the loan agreement If the Borrower does not comply with the terms of the loan agreement, or does not comply with the requirements of the Company, the loan agreement with the Borrower will be terminated due to violations of the rules and regulations of the Company.

The amounts paid for registration and additional expenses are non-refundable! A credit line is a very convenient credit instrument that allows a borrower to use credit facilities for long periods of time. Many borrowers in the course of their business experience a constant need to use additional borrowed funds for certain periods of time. Such needs are usually met by opening a credit line. In addition, the credit line allows the borrower to receive several loan payments (tranches) at the conclusion of one contract.

This is a clear advantage of a credit line over a regular loan.

The main difference between a credit line and a classic loan is that the issuance of loan money does not occur immediately in the entire amount, but in certain parts (tranches) for the entire term of the loan agreement. The client receives a credit tranche or several tranches, uses the received credit funds, returns a credit tranche or several and receives new credit tranches to his account or card again during the term of the loan agreement. The credit limit under the loan agreement means that the Client has the opportunity to receive this amount in loan tranches for the entire term of the loan agreement. Transfers of the loan or tranches are guaranteed and prescribed in the loan agreement between the client and the lender as well as these rules and regulations.

There is no control over the Borrower by the Company.

The borrower has the right to use credit funds at his discretion. There are no restrictions on travel to other countries and other restrictions.

Insurance of financial risks of the Lender's Company.

Financial risk insurance is a procedure by which insurance companies protect the property interests of the policyholder (our company) in the event of certain cases that pose a threat to such interests. The main protection tool is money from a special fund, which is formed when the insurance company collects special premiums (or contributions) from their clients. When signing a loan agreement, the Borrower is obliged to make an insurance contribution in the amount specified by the Lender and only in the way specified by our company. Financial risk is the probability of loss of funds by our company if the Borrower stops paying the loan. In fact, any insurance is protection against financial risks, and not any other. With financial insurance, possible loss of money and lost profits are protected. This tool is most often used by manufacturing and trade organizations, representatives of the service sector, and financial organizations. Financial risk insurance protects against losses in case of such troubles as: unplanned expenses; non-payments on commercial transactions and loans. In financial insurance, a lot depends on the details of the contract itself. It may specify other nuances, restrictions on payments and non-insured events. The amount of compensation may also depend on the amount of contributions or the sum insured. And as a rule, the contract stipulates that the client must do everything possible to reduce the damage and in an unforeseen situation clearly follow the instructions of the insurer and the lender.

What risks does financial insurance protect against ?

Financial risk insurance protects against such troubles as: unplanned expenses; non-payments on commercial transactions; production stoppage; decrease in production volumes; bankruptcy of partners; exchange rate fluctuations; losses from securities transactions; legal costs; inability to pay off a loan or loan due to a changed financial situation; monetary losses as a result of liability to by third parties (for example, due to claims from the company's shareholders, customers or partners); the emergence of new developments, competition with which led to financial losses; loss of funds that were transferred to the other side of the transaction (for example, as an advance payment for goods); loss of funds in accounts and deposits as a result of revocation of a license from a bank; losses from unsuccessful investments (including as a result of investments in someone else's business); theft, damage, loss of property that is on the balance sheet of the company; the risk of loss of ownership, that is, title insurance. Often, such insurance implies an individual approach, since it is important for the insurer to carefully assess specific risks.

Warranty insurance. We are talking about the insurance of financial guarantees, which should be a condition for the use of borrowed capital in a credit or other form. As a rule, an insured event is a delay or non—payment of interest on the use of borrowed capital. Financial risk insurance and Business and Financial risk insurance will ensure the financial stability of your business, protect against risks such as the insolvency of you and your business, cyber risks, salary and corporate bank card fraud!

Additional loans for the Borrower:

An additional credit line may be opened to the client in addition to the one already provided at a rate of 1%-3% per annum. The data of both clients and creditors is secret. Any information with personal data cannot be shared with anyone, just like the history of requests. In case of disclosure of any information by the client, the transfer of the history of correspondence between the client and the customer service to third parties; the transfer of the agreement or information from the agreement without written notification is a gross violation and leads to the instant termination of the agreement. Personal data: This personal data processing policy has been compiled in accordance with the requirements of international law "On Personal Data" and defines the procedure for processing personal data and measures to ensure the security of personal data taken by Asia Trade Invest Company (hereinafter referred to as the Operator).

1.1. The Operator sets as its most important goal and condition for the implementation of its activities the observance of human and civil rights and freedoms in the processing of his personal data, including the protection of the rights to privacy, personal and family secrets.

1.2. This Operator's policy regarding the processing of personal data (hereinafter referred to as the Policy) applies to all information that the Operator can receive about visitors to the website

2. Basic concepts used in Politics.

2.1. Automated processing of personal data – processing of personal data using computer technology;

2.2. Blocking of personal data – temporary termination of the processing of personal data (except in cases where processing is necessary to clarify personal data);

2.3. Website – a set of graphic and information materials, as well as computer programs and databases that ensure their availability on the Internet at a network address

2.4. Personal data information system — a set of personal data contained in databases, and information technologies and technical means that ensure their processing;

2.5. Depersonalization of personal data — actions as a result of which it is impossible to determine, without using additional information, the identity of personal data to a specific User or other personal data subject;

2.6. Processing of personal data – any action (operation) or a set of actions (operations) performed with or without the use of automation tools with personal data, including collection, recording, systematization, accumulation, storage, clarification (updating, modification), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data;

2.7. Operator – a state body, municipal body, legal entity or individual, independently or jointly with other persons organizing and (or) processing personal data, as well as determining the purposes of processing personal data, the composition of personal data to be processed, actions (operations) performed with personal data;

2.8. Personal data – any information related directly or indirectly to a specific or identifiable User of the website

2.9. User – any visitor to the website

2.10. Provision of personal data – actions aimed at disclosing personal data to a certain person or a certain circle of persons;

2.11. Cross–border transfer of personal data - transfer of personal data to the territory of a foreign state to an authority of a foreign state, a foreign individual or a foreign legal entity;

2.12. Destruction of personal data – any actions as a result of which personal data is permanently destroyed with the inability to further restore the content of personal data in the personal data information system and (or) the material carriers of personal data are destroyed.

3. The Operator may process the following personal data of the User

3.1. Surname, first name, (patronymic, if any);

3.2. Email address;

3.3. Phone numbers;

3.4. City of residence;

3.5. Turnover of the business or company in which the User is an employee.

3.6. The above data, hereinafter referred to in the text of the Policy, are combined by the general concept of Personal Data.

4. Purposes of personal data processing

4.1. The purpose of processing the User's personal data is to inform the User by sending emails.

4.2. The Operator also has the right to send notifications to the User about new products and services, special offers and various events. The User can always refuse to receive informational messages by writing to the Operator by e-mail and informing him of his intention to refuse notifications about new products and services and special offers.

4.3. Depersonalized User data collected through Internet statistics services are used to collect information about User actions on the site, improve the quality of the site and its content.

4.4. By providing your phone number when making an online entry on the Site, the User agrees to its processing by the Site Administration, including in order to fulfill obligations to the User under this User Agreement, inform the User about their services, promote the services of the Site and its partners, conduct electronic and SMS surveys, control marketing campaigns, customer support support, investment and lending among club members, conducting prize draws among Users, monitoring User satisfaction, as well as the quality of services, collecting reviews.

4.5. It is not considered a violation for the Site Administration to provide information to partners, agents and third parties acting on the basis of an agreement or an offer agreement with the Site Administration to fulfill obligations to the User, including partners have the right to send SMS reminders and notifications to the User.

5. Legal grounds for processing personal data

5.1. The Operator processes the User's personal data in case they are filled in through special forms located on the website. By filling out the appropriate forms and/or sending their personal data to the Operator, the User agrees to this Policy.

5.2. The Operator processes depersonalized User data if this is allowed in the User's browser settings (saving cookies and using JavaScript technology are enabled).

6. The procedure for the collection, storage, transfer and other types of processing of personal data. The security of personal data processed by the Operator is ensured through the implementation of legal, organizational and technical measures necessary to fully comply with the requirements of the current legislation of the European Union and the United Kingdom in the field of personal data protection.

6.1. The Operator ensures the safety of personal data and takes all possible measures to exclude access to personal data of unauthorized persons.

6.2. The User's personal data will never, under any circumstances, be transferred to third parties, except in cases related to the fulfillment of obligations. 6.3. In case of inaccuracies in personal data, the User can update them independently by writing to the Operator by e-mail and stating his intention to update personal data.

6.4. The period of processing of personal data is unlimited. The User can withdraw his consent to the processing of personal data at any time by writing to the Operator by e-mail and stating his intention to withdraw consent to the processing.

7. Cross-border transfer of personal data.

7.1. Before the start of the cross-border transfer of personal data, the Operator must ensure that the foreign state to whose territory the transfer of personal data is supposed to be carried out ensures reliable protection of the rights of personal data subjects.

7.2. The cross-border transfer of personal data on the territory of foreign states that do not meet the above requirements may be carried out only if the personal data subject agrees in writing to the cross-border transfer of his personal data and/or the execution of the contract to which the personal data subject is a party.

8. Final provisions

8.1. The User can receive any clarifications on issues of interest related to the processing of his personal data by writing to the Operator by e-mail

8.2. This document will reflect any changes to the Operator's personal data processing policy. The policy is valid indefinitely until it is replaced by a new version.

8.3. The current version of the Company's Policy is freely available on the Internet and on our website