Privacy Policy

1. About us
We are Joint Stock Company ACADEMIC FINANCE COMPANY, having office address at Kostomarovsky lane, 3/12, 105120, Moscow, Russia.
We provide services to our customers, guided by laws on the protection and processing of personal data, and take all possible steps to ensure the maximum security of the information that you transmit to us.
We do not sell or distribute confidential information to third parties.
We give you the opportunity to view and manage your information at any time.

2. General information
The privacy policy contains important information about how we collect and use information about you, as well as information about your rights.
For any questions you may have, please email us at vs@acfc.ru.

3. Information about you
We save the data when you fill out any forms and use our services and contact us by any means of communication.

4. Legal basis for using information
The legal basis (justified reason) for the use of your information by us is:

  • obligation under agreements with you;
  • your consent.

Your information is not available to third parties until you have consented to its disclosure.

5. Method of using information
When you apply for a service, we use your information to verify and protect your identity. If you are already a Torsim client, your information is used to:

  • fulfillment of our obligations;
  • improvement the quality of our services;
  • direct contact with you, including for technical and consulting support, promotional offers.

The use of your information will be carried out by us on the following law foundation:

  • compliance with our agreements;
  • performance of legal duties;
  • improvement of services.

We will inform you of all changes that will affect your interests by email, which you indicated in the registration form.
We keep the right, if necessary, to share your information with other organizations, in order to fulfill our legal obligations.

6. Measure of acceptable behavior
You have the right to:

  • know about ways we use your information (note: you can find this in our PRIVACY POLICY);
  • change with our help the information about you if it is incorrect (note: only incomplete or inaccurate information can be corrected. We can verify the accuracy of new information);
  • ask us to stop using your information for marketing purposes;
  • view your information held by us by sending a request at any time, as well as receive information about the methods and reasons for processing the information (note: we issue a copy of the information about you stored with us);
  • not consent to our processing of other information in our legitimate interests;
  • delete your information, if:
    • there is no reason to use it further;
    • you have withdrawn your consent;
    • there is a requirement of law.
  • ask us to limit using your information if:
    • you intend to investigate with our assistance whether it is accurate;
    • you want us to keep the information for you in connection with a legal claim;
    • you gave us no consent to use your information, but we needed to find out whether we have a reason to use it;
  • send us a request for the transfer of information to you;
    Note: in the absence of regulatory restrictions, the information will be transmitted to you in a generally readable format;
  • revoke your permission at any time by sending us an email at vs@acfc.ru.

8. Enforcement of the right
You just need to send us an email at vs@acfc.ru.

9. Transmission of your information
We do not share your information to the third parties without your permission.
We share your information with advertisers in order to help in promotion of our services (information is provided anonymously only).

Our partners
In the event that you have requested a specific service, we have the right to share your information with our partners in order to provide you with a complete service that meets your needs.
From time to time, we may transfer part of your information to our partners to offer you additional services.
We transfer your information only with your prior consent.
Our partners use your information in accordance with our PRIVACY POLICY.
You may revoke your permission to use your information at any time simply by contacting us.
However, this may limit your ability to continue to use our services.

Legal reasons
Other third-parties organizations may receive your information from us for advertising purposes.
If you object to the use of your information for marketing purposes, you have the right to make a corresponding statement by contacting us at any time by email, as well as express your marketing preferences.

10. Information Use Territory
We may send your information outside Russia, as we provide international services on an ongoing basis and must comply with international regulatory requirements.
When sending information outside Russia, we take appropriate measures to ensure its security.

11. Information security
We follow proper procedures to ensure the security of your information, but cannot guarantee absolute security against unauthorized access.

12. Information storage period
We will hold your information for up to six years after you closed your account with us.

13. Change Notification
All changes, including the changeover of the way we use your information, you will be immediately notified by email.