1. Prevention of excessive debt from loans
The company takes all measures to provide credit products only to those borrowers who have demonstrated sufficient ability to repay loans, ensuring that the loans do not create a risk of excessive debt for borrowers, and as a result, prevent them from falling into a debt trap.
2. Transparency in pricing
The cost and all conditions of financial services (including interest rates, insurance payments, commissions, etc.) are transparent, and information about them is provided to clients in a way that is understandable to them.
3. Adequacy of debt collection methods
Debt collection activities are carried out in accordance with the legislation of the Kyrgyz Republic. The methods of debt collection used by the company do not involve offensive or coercive measures to recover debts.
4. Adherence to business ethics
In working with clients, the company's employees adhere to high standards of business ethics. The company has the necessary protective mechanisms in place to detect and eliminate cases of corruption or inappropriate treatment of clients.
5. Procedures for handling and addressing customer complaints
The company has a system for promptly addressing customer complaints and suggestions, within which clients can express their opinions about the company's performance, service quality, and provided services, as well as make suggestions for improvement. The company, in turn, responds to this information promptly and takes the necessary measures to resolve the issue.
6. Confidentiality of client information
All relationships between the company and the client are strictly confidential. The company is committed to not disclosing or transferring information regarding concluded credit agreements to third parties, except in cases provided for by the legislation of the Kyrgyz Republic and the credit agreements.
7. Compliance of products and sales channels
The products and services provided to clients by the company, as well as the sales channels, are developed with consideration of the needs and preferences of the clients. Products and sales channels, according to the company's policies and procedures, do not harm the clients.