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Privacy Policy

Updated: 03.07.2025

PRIVACY POLICY FOR PERSONAL DATA  

Your privacy is important for us. Therefore, this Privacy Policy for Personal Data (hereinafter referred to as the “Privacy Policy”) has been developed for users of the website https://banzait.com/.  

The Privacy Policy applies to all information that the website located on the Internet under the domain name https://banzait.com/ (hereinafter referred to as the “Website”) may obtain about the User during the use of the Website, programs, and products of the Website Controller.  

1. DEFINITIONS OF TERMS
1.1. This Privacy Policy uses the following terms:  
1.1.1. Controller – a legal entity registered as the owner of the Website, which determines the purposes and means of processing personal data and assumes primary responsibility for their processing. The Controller of personal data is the “data controller” under the terminology of Ukrainian legislation. Under this Policy, the Controller of personal data is: Limited Liability Company “TS Expertiza” (identification Code: 41165899, registered address: 03150, Ukraine, Kyiv, Antonovycha Street, 172).  
1.1.2. Website Administration – authorized employees managing the Website on behalf of the Controller, who organize and/or perform the processing of personal data, determine the purposes of personal data processing, the scope of personal data to be processed, and the actions (operations) performed with the personal data. The Website Administration acts as the “data processor” under Ukrainian legislation and as the “processor” under GDPR. The Website Administration can be contacted via email at info@banzait.com.  
1.1.3. User – an individual who accesses the Website via the Internet and uses the Website, whose personal data is being processed. The Website User is the “personal data subject” under Ukrainian legislation and the “data subject” under GDPR.  
1.1.4. Recipient – an individual or legal entity to whom personal data is disclosed, regardless of whether they are a Third Party.  
1.1.5. Third Party – an individual or legal entity that is not the User, Controller, Website Administration, or a person directly authorized by the Controller or the Website Administration to process Personal Data.
1.1.6. Personal Data – any information or combination of information about an individual who is identified or can be specifically identified.  
1.1.7. Processing of Personal Data – any action (operation) or set of actions (operations) performed using automated means or without such means with Personal Data, including collection, registration, recording, systematization, accumulation, storage, adaptation, clarification (updating, modification), retrieval, use, distribution (provision, access, dissemination, transfer), anonymization, blocking, deletion, or destruction of Personal Data.  
1.1.8. Confidentiality of Personal Data – an obligation for the Recipient to comply with the requirement not to disclose Personal Data without the consent of the User or the existence of another legal basis.  
1.1.9. Profiling – a form of automated processing of Personal Data, consisting of using personal data to evaluate, analyze, or predict certain personal aspects of the User, such as their interests in the goods and services offered by the Controller.
1.1.10. Cookies – text fragments of data sent by a web server that are stored on the User’s computer or mobile device while using the web server.
1.1.11. IP Address – a unique network address of a node in a computer network that is assigned following the IP (Internet Protocol). 

2. SUBJECT MATTER OF THE PRIVACY POLICY  
2.1. This Privacy Policy applies to all Personal Data of the User that may be collected by the Controller during the User’s use of the Website.
2.2. This Privacy Policy is designed to inform the User about the purposes and rules governing the use of the User’s Personal Data by the Website Administration, as well as the rights and obligations of the User and the Website Administration in relation to the use of Personal Data, and to guarantee the User’s right to the Сonfidentiality of their Personal Data.  
2.3. By agreeing to the Privacy Policy, the User confirms that they have read and fully accept its provisions, their rights and guarantees, and the rights and obligations of the Controller, the Website Administration, and the Recipient concerning the issues governed by this Privacy Policy.  
2.4. This Privacy Policy establishes the obligations of the Website Administration concerning the non-disclosure and safeguarding of the Сonfidentiality of the Personal Data provided by the User at the request of the Website Administration via informational electronic forms on the Website.  
2.5. The Personal Data permitted for processing under this Privacy Policy is provided by the User through the completion of a feedback form on the Website and includes the following information: 
2.5.1. The User’s last name, first name, and patronymic (if applicable); 
2.5.2. The User’s country; 
2.5.3. The User’s company name; 
2.5.4. The User’s contact telephone number; 
2.5.6. The User’s email address.  
2.6. By completing the feedback form, the User consents to the processing of his or her Personal Data by the Controller. Such consent is given voluntarily and constitutes the User’s free and deliberate decision to provide or withhold such consent by choosing not to complete the feedback form on the Website.
2.7. By granting Consent to the Processing of Personal Data, the User also consents to the transfer of such information to Recipients, regardless of whether they qualify as Third Parties, for the purpose of fulfilling the User’s requests related to the Controller’s goods and/or services, provided that such Recipients are directly or indirectly related to the goods and/or services in which the User is interested. In this case, the Recipient also assumes the obligation to ensure the Confidentiality of the User’s Personal Data in accordance with the terms of this Privacy Policy and/or the Recipient’s own Privacy Policy.  
2.8. The User may, at any time, object to the Processing of their Personal Data by the Controller, revoke Consent for Processing, or grant Consent for Processing by sending a corresponding request to the Controller’s email address at info@banzait.com. Revocation of Consent does not affect the lawfulness of the Processing based on Consent prior to its withdrawal.  
2.9. The Website Administration does not verify the accuracy of the Personal Data provided by the User, is unable to assess the User’s legal capacity, and operates on the assumption that the User is an adult, acts in good faith and prudently, provides accurate and sufficient Personal Data, does not infringe the rights of third parties, and makes every effort to keep such Personal Data up to date.  
2.10. The Controller must notify the User of a Personal Data breach without undue delay if such a breach is likely to result in a high risk to the rights and freedoms of the User, enabling the User to take necessary precautionary measures. At the same time, the Controller must consider the legitimate interests of law enforcement authorities if premature disclosure could unduly complicate the investigation of the circumstances of the breach.
2.11. This Privacy Policy is an internal document of the Controller and applies only to legal relationships between the Controller and the User arising from the User’s use of this Website. The Controller and/or the Website Administration are not responsible for ensuring the confidentiality of Personal Data on external websites that the User may access via links available on the Website’s pages.

3. PURPOSES OF PROCESSING USER’S PERSONAL DATA  
3.1. The User’s Personal Data may be used by the Website Administration for the following purposes:  
3.1.1. Identification of the User to facilitate interaction with the Website Administration on matters related to the Controller’s activities; 
3.1.2. Establishing feedback with the User, including sending messages and responding to inquiries related to the use of the Website, the provision of services, and the processing of requests and applications submitted by the User; 
3.1.3. Providing the User with effective customer and technical support in the event of issues related to the use of the Website.  
3.2. By granting Consent to the Processing of Personal Data, the User agrees to the use of such data for the purposes specified in Clause 3.1. of this Privacy Policy.  
3.3. Additionally, the User may, by marking the appropriate checkbox in the electronic form on the Website, provide Consent to the Processing of their Personal Data for the following purposes:
3.3.1. Profiling the User to determine their level of interest in the Controller’s products, preferences, and interests in the services and/or goods offered by the Controller, with the aim of developing the Controller’s network of products and providing effective solutions tailored to the User’s inquiries;
3.3.2. Transmitting information about the Controller’s goods and/or services or information about the Controller directly to the User (direct marketing) using communication methods known to the Controller.  

4. TERMS, METHODS, AND GUARANTEES FOR PROCESSING PERSONAL DATA
 
4.1. The term of Processing the User’s Personal Data is determined based on the purposes of such Processing but shall not exceed the period established by the applicable laws of Ukraine.  
4.2. The Processing of Personal Data is carried out by any lawful means, including within personal data information systems using automated tools or without the use of such tools.  
4.3. The Website may use Cookies, which are small text fragments placed on the User’s computer or mobile device. The Website also uses pixel tags, web beacons, and other similar technologies to analyze web traffic, customize Website services, optimize user interfaces, and measure advertising effectiveness. Through these tools, the Website collects the following data: identification of active internet service providers, the User’s IP address, browser type, operating system, date and time of access to the resource, the referring website address (if any), and other similar traffic-related information. Detailed information about Cookies, their functionality, and management options is provided in the Cookie Policy, which forms an integral part of this Privacy Policy and is available at https://banzait.com/cookie-policy/.  
4.4. The Controller and the Website Administration implement all necessary technical and organizational measures to ensure and demonstrate that the Processing of Personal Data complies with this Privacy Policy and the applicable laws of Ukraine. 
4.5. The Controller guarantees that, by default, only those Personal Data of the User that are necessary for a specific purpose of Processing, as defined in this Privacy Policy, are processed.  
4.6. The Website Administration employs all necessary organizational and technical measures to protect the User’s Personal Data from unauthorized or accidental access by third parties, destruction, alteration, blocking, copying, dissemination, and other unlawful actions by third parties.  
4.7. To ensure security and prevent the use of Personal Data for purposes inconsistent with this Privacy Policy, the Controller and/or the Website Administration assess the risks inherent in Processing activities and implement measures to mitigate such risks, including encryption.  

5. RIGHTS AND OBLIGATIONS OF THE PARTIES 
5.1. The User has the right to: 
5.1.1. Voluntarily provide and/or withhold Consent to the Processing of him or her Personal Data; 
5.1.2. Obtain information from the Controller regarding whether him or her Personal Data is being processed and the content of such Personal Data;
5.1.3. Submit complaints to the relevant supervisory authorities of the Controller’s country regarding compliance with the User’s Personal Data Privacy terms, if disputes cannot be resolved through negotiations with the Website Administration and/or the Controller; 
5.1.4. Correct him or her inaccurate Personal Data by submitting a relevant request to the Controller’s email address at info@banzait.com; 
5.1.5. Delete him or her Personal Data at any time at him or her own discretion, in accordance with the procedure established by Clause 2.8. of this Privacy Policy; 
5.1.6. Restrict the Controller’s right to Process him or her Personal Data in cases established by applicable Ukrainian law by contacting the Controller via electronic communication; 
5.1.7. Object to the Processing of him or her Personal Data in accordance with the procedure established by Clause 2.8. of this Privacy Policy; 
5.1.8. Withdraw him or her Consent to the Processing of Personal Data in accordance with the procedure established by Clause 2.8. of this Privacy Policy.  
5.2. The User is obligated to:  
5.2.1. Provide only truthful and accurate information regarding him or her Personal Data; 
5.2.2. Inform the Website Administration of updates to him or her Personal Data and the necessity for changes in the Website Administration’s databases.  
5.3. The Website Administration has the right to:
5.3.1. Consider the User’s Personal Data as accurate and, when necessary, update it.  
5.4. The Website Administration is obligated to:  
5.4.1. Process the User’s Personal Data in a lawful, fair, and transparent manner; 
5.4.2. Provide information upon the User’s request about the fact of Processing him or her Personal Data and the composition of such Personal Data; 
5.4.3. Provide any information upon the User’s request related to the application of this Privacy Policy and not covered herein, if the User’s right to request such information is justified and proven; 
5.4.4. Use the information (including Personal Data) received from the User solely for the purposes defined in Section 3 of this Privacy Policy and not process such Personal Data in ways incompatible with those purposes; 
5.4.5. Collect only the Personal Data from the User that is necessary for the purposes of Processing; 
5.4.6. Store the User’s Personal Data in a form that allows identification of the User no longer than necessary for the purposes of Processing; 
5.4.7. Process Personal Data in a way that ensures proper security, including protection against unauthorized and/or unlawful Processing and against accidental loss, destruction, or damage; 
5.4.8. Ensure the confidentiality of Personal Data, not disclose it without the prior written consent of the User, nor sell, exchange, publish, or otherwise disclose the User’s Personal Data by any other means;
5.4.9. Apply precautionary measures to protect the confidentiality of the User’s Personal Data in accordance with the standards typically used to protect such information in business practice and in compliance with applicable Ukrainian legislation; 
5.4.10. Without undue delay, amend, erase, delete, or restrict the Processing of the User’s Personal Data upon receiving a relevant request from the User, him or her legal representative, an authorized data protection authority, and/or in other cases stipulated by applicable Ukrainian legislation.  

6. LIABILITY OF THE PARTIES
6.1. The Website Administration shall bear liability for damages caused to the User due to the unlawful use of him or her Personal Data as a result of non-fulfillment or improper fulfillment of its obligations under this Privacy Policy, in accordance with applicable Ukrainian legislation.  
6.2. The Website Administration shall not be liable for Personal Data breaches if such breaches occur as a result of:  
6.2.1. The Personal Data becoming publicly available before its loss or disclosure; 
6.2.2. The Personal Data being obtained from a third party prior to its receipt by the Website Administration; 
6.2.3. The Personal Data being disclosed with the User’s consent; 
6.2.4. The Personal Data being provided to supervisory, executive, regulatory, or law enforcement authorities in accordance with applicable Ukrainian legislation.  
6.3. The Parties shall be released from liability for non-fulfillment or improper fulfillment of the provisions of this Privacy Policy if the non-fulfilling Party proves that the violation occurred due to force majeure (acts of God or unforeseen circumstances). Force majeure events include natural disasters (fires, floods, landslides, etc.), military actions, earthquakes, hacker attacks, and other circumstances beyond the control of the Parties.  

7. DISPUTE RESOLUTION 
7.1. The Parties agree to resolve all disputes through negotiation.  
7.2. If no agreement can be reached, the dispute shall be resolved in court in accordance with applicable Ukrainian legislation.

8. ADDITIONAL CONDITIONS 
8.1. The Website Administration reserves the right to amend this Privacy Policy without the User’s consent.  
8.2. The new Privacy Policy shall come into force upon its publication on the Website unless otherwise specified by the new edition of the Privacy Policy.  
8.3. All proposals and inquiries related to this Privacy Policy may be directed to the Website Administration by sending a corresponding message to the Controller’s email address at info@banzait.com. 

What is Corporate Lending?

Corporate lending is a type of financial support whereby a bank or other organization provides a loan to a company to address its current needs. This primarily refers not to personal expenses, but to achieving specific business objectives:

  • Production expansion.
  • Equipment modernization.
  • Purchase of raw materials.
  • Covering cash gaps.

These types of loans are attractive to large companies, as they allow them to accelerate development and maintain their market position. Medium-sized businesses seek this type of financial assistance when they need to stay afloat and respond dynamically to current circumstances. The terms of such corporate lending are tailored to individual needs, as the loan is intended to expedite the achievement of strategic goals.

Types of Corporate Lending

Corporate lending is not just a formal structure, but a real tool that companies use to grow and stay afloat even in the most challenging times. Banks offer several types of this financial assistance, depending on the specific task at hand:

  • Investment loans – can be used for construction, purchasing professional equipment, or merging with other companies.
  • Working capital loans – used to pay salaries, purchase materials, and cover previously existing expenses.
  • Asset-secured loans – if a company owns real estate or equipment, it can be used as a pledge for new funding.
  • Revolving lines – an opportunity to obtain a loan that can be quickly repaid at any time.

This wide range of options allows for a solution tailored to the specific goals of a company.

Digital Lending Solutions for Corporations

Modern corporate lending has been transformed by digital solutions. Our platform for Creatio leverages no-code digital lending software to automate loan processes, from the approval application. These solutions offer features like 360-degree customer views, flexible segmentation, and automated document management, reducing «time to yes» from 30 to 8 minutes, as seen in our success cases. Thanks to digitalization, the system is capable of making decisions autonomously using an analytical dashboard, minimizing the need for human intervention in the loan issuance process. The peer to peer lending software provides access to financing for medium-sized businesses without the need for in-depth technical knowledge. This significantly speeds up market entry.

Benefits of Corporate Lending Solutions

In corporate lending, banks face a tedious process: dozens of applications per day, complex approvals, and constant rush. To avoid being bogged down in paperwork, many are switching to no-code solutions. For example, our system automatically distributes applications and speeds up document review, eliminating the need for managers to waste time on repetitive steps. At one bank, after implementing the system, processing speed of corporate loans nearly doubled, while the time spent on paperwork was cut by more than half. As a result, employees were less burdened, and clients received decisions more quickly.

Getting Started with Process Optimization in Corporate Lending

Financial institutions do not always need new corporate loan products to grow. Often, progress comes from rethinking how lending is managed. We help companies simplify corporate lending through no-code tools, making processes faster and more transparent. With smoother workflows and scalable systems, teams save time and stay compliant while expanding. Contact us to explore our solutions for improving corporate lending processes and see how we can help you streamline operations, stay compliant, and scale.

Loyalty Programs for Business Growth

When a business wants to grow, it needs to think not only about new customers, but also about those who have already chosen it once. Loyalty program automation helps manage this. A loyalty program is no longer just a marketing campaign, it becomes part of a strategy.

The system from Banza allows you to build clear and predictable processes: customers return more often, increase the average bill and get what they really need. In return, the business receives not emotions, but numbers – real data on which to build decisions.

How Loyalty Automation Helps Small Businesses

Small businesses cannot afford to waste resources on ineffective marketing. But this is where customer loyalty for small business shows its strength. Returning a customer is many times cheaper than finding a new one.

What loyalty automation gives to small businesses:

  1. Quick start without an IT team.
  2. Simple management via a visual interface.
  3. The ability to launch any promotion yourself.
  4. Automatic personalization of offers.
  5. Collection and analysis of customer behavior in one window.

Banza allows companies without technical staff to use tools that were previously used only by large players. This is not just a simplification – it is a game changer.

Customer Loyalty Solutions for Retailers

In retail, you cannot lose a customer even for a day. A repeat purchase is not an accident, but the result of a properly built process. Banza’s customer loyalty solutions for retailers are focused on targeted interaction based on real data.

What pain points does automation solve in retail:

  1. Customers are not divided into segments.
  2. There is no connection between channels: website, cash register, CRM.
  3. Mechanics work “blindly”, there is no personalization.
  4. It is difficult to test and launch a new promotion.
  5. Purchase history is not used for forecasting.
  6. Promotions are not linked to products that are interesting to the customer.
  7. There is not enough analytics on the effectiveness of campaigns.
  8. There is no automatic update of customer levels.

Banza tools make it possible to flexibly manage loyalty programs even in chains with dozens and hundreds of outlets. Businesses receive not just increased sales, but constant feedback and the ability to quickly adapt.

Restaurant Loyalty Automation Made Easy

A guest comes not only for food – they want attention. Loyalty for restaurants helps turn a one-time visitor into a regular one. Banza solutions allow you to automate repeat visits and encourage desired behavior.

Here’s how automated loyalty solves key restaurant problems:

  1. Launching promotions on a schedule (for example, “happy hours”).
  2. Personalized birthday offers.
  3. Bonuses for recommending friends.
  4. Accumulation program with visual progression.
  5. Automatic segmentation by frequency of visits.
  6. Simple control via a mobile application.

The system works without staff intervention, without overloading waiters and managers. This makes automation not an additional burden, but a tool that works on its own – and brings results.

Why Choose BanzaIT Loyalty Automation Platform

Banza is not a template solution, but a flexible designer that can be adapted to any industry. The company has implemented more than 300 projects, works with clients in 21 countries and automated 1700+ companies. Behind this is a team of 177 experts.

Banza platform advantages:

  1. Customizable intelligent segmentation.
  2. Promotion designer without programming.
  3. 360° customer profile – from RFM to geolocation.
  4. Flexible status and level management.
  5. Affiliate system with unique coupons.
  6. Integration with CRM, POS and website.
  7. Modular architecture – for any business.
  8. Automatic analytics with clear metrics.

Banza is not just automation for the sake of automation. It is a tool that gives small, medium and large businesses control, flexibility and growth. In a highly competitive environment, this becomes important not only for survival, but also for confident leadership.