Personal Data Processing Consent

Publication date: 1 January 2026.

By submitting an application, enquiry, message, documents or other information to Individual Entrepreneur Oleg Igorevich Novikov, the user of the website https://ngfinance.ru hereby freely, voluntarily and in their own interest consents to the processing of their personal data on the following terms.

1. Personal data operator

The personal data operator is:

Individual Entrepreneur Oleg Igorevich Novikov

Russian Tax ID (INN): 504230516961

Russian state registration number for an individual entrepreneur (OGRNIP): 322508100369467

Website: https://ngfinance.ru

Email for personal data enquiries: oleg@credit-brk.ru

2. Data subject

The data subject is a website user, client, prospective client, representative of a legal entity, individual entrepreneur, representative of a counterparty or other person who sends their personal data to the Operator through the website, enquiry forms, messaging apps, email, telephone or other communication channels.

3. Personal data covered by this consent

The data subject consents to the processing of the following personal data:

3.1. Surname, first name and patronymic.

3.2. Telephone number.

3.3. Email address.

3.4. Russian Tax ID (INN).

3.5. Information about the legal entity or individual entrepreneur represented by the data subject.

3.6. The position, role or status of an organisation’s representative.

3.7. Information provided in an application, enquiry, questionnaire, message or other document.

3.8. Information contained in documents provided for the review of a financing application.

3.9. The history of communications with the Operator.

3.10. Technical data automatically transmitted when using the website: IP address, browser, device and operating system details, cookies, and information about the user’s actions on the website.

3.11. Other information voluntarily provided by the data subject to the Operator for the purposes of processing.

The Operator does not intentionally collect or process special categories of personal data concerning racial or national origin, political opinions, religious or philosophical beliefs, health or intimate life, and does not process biometric personal data.

4. Purposes of personal data processing

Consent is given to the processing of personal data for the following purposes:

4.1. Receiving and handling applications, enquiries, messages and requests.

4.2. Providing advisory and intermediary services concerning the arrangement of financing for legal entities and individual entrepreneurs.

4.3. Selecting banking, leasing, microfinance and other financial products.

4.4. Carrying out a preliminary assessment of a financing application.

4.5. Interacting with a client or prospective client.

4.6. Preparing, entering into, performing, amending and terminating contracts.

4.7. Transferring information to banks, leasing companies, microfinance organisations, financial organisations and other partners involved in reviewing a financing application.

4.8. Conducting business correspondence and communicating by telephone, email, messaging apps and other communication channels.

4.9. Complying with the requirements of the legislation of the Russian Federation, including tax, accounting and other mandatory record-keeping requirements.

4.10. Handling enquiries from data subjects.

4.11. Analysing the operation of the website, improving service quality, and ensuring that the website and communication tools function correctly.

Important: this consent is not consent to receive advertising mailings. Advertising and informational messages are sent only where the data subject has provided separate consent.

5. Actions involving personal data

The data subject consents to the Operator performing the following actions involving personal data:

• collection;
• recording;
• systematisation;
• accumulation;
• storage;
• updating;
• retrieval;
• use;
• transfer;
• provision;
• access;
• blocking;
• deletion;
• destruction.

Personal data may be processed using a combination of automated and non-automated methods.

Personal data processing involves transmission over the Internet and does not involve transmission over a legal entity’s internal network.

6. Transfer of personal data to third parties

The data subject consents to the transfer of personal data to the following categories of third parties to the extent necessary to achieve the purposes of processing:

6.1. Banks.

6.2. Leasing companies.

6.3. Microfinance organisations.

6.4. Financial organisations.

6.5. Credit brokers and partners.

6.6. Organisations involved in reviewing a financing application.

6.7. Telecommunications operators, email services, CRM systems, data storage services, web analytics services and other technical services used by the Operator to handle enquiries, communicate and operate the website.

Personal data is transferred to third parties only to the extent necessary to achieve the purposes of processing and where there is a legal basis for doing so.

The Operator does not sell personal data to third parties.

7. Duration of consent

This consent is valid from the time it is provided by the data subject until the purposes of personal data processing have been achieved, the document retention periods established by the legislation of the Russian Federation have expired, the data subject has withdrawn consent, or the Operator has ceased operating.

8. Withdrawal of consent

The data subject may withdraw this consent at any time by sending the relevant request to the Operator at the following email address:

oleg@credit-brk.ru

The enquiry should preferably include:

• surname, first name and patronymic;
• contact details for a reply;
• the substance of the enquiry;
• information that helps confirm the interaction with the Operator.

After receiving a withdrawal of consent, the Operator ceases processing and destroys the personal data in the cases and in accordance with the procedure provided for by the legislation of the Russian Federation, unless there are other legal bases for continuing processing.

9. Confirmation of consent

The data subject confirms that they:

9.1. Have read this Personal Data Processing Consent.

9.2. Have read the Privacy Policy published at:

https://ngfinance.ru/en/privacy

9.3. Give consent freely, voluntarily and in their own interest.

9.4. Give consent that is specific, purpose-related, informed, conscious and unambiguous.

9.5. Have provided personal data voluntarily.