Privacy and Cookie Policy

Effective: February 16, 2026Last updated: March 2026

PRIVACY RULES, DATA COLLECTION AND PROCESSING

NOTICE ON PERSONAL DATA COLLECTION AND PROCESSING

Article 1: Introduction

The Digital Platform www.uporedikredit.com respects the privacy of its users. For the purpose of transparent personal data processing, the Platform provides through this Privacy Policy basic information regarding personal data processing, personal data protection, and the rights of data subjects for the purpose of using the internet Platform usage Service. If you do not agree with any provision of this policy, please refrain from using our services and do not provide us with your personal data.

To protect your privacy, the Platform applies appropriate technical, organizational, and personnel measures and constantly works on their improvement to ensure that your data is handled in accordance with applicable regulations and your consent.
To provide our services, we need your consent as it is necessary for their execution.
The Platform may periodically amend and supplement this Policy, in which case it will ensure that the updated version is available to you on the internet Platform with a clearly indicated effective date.
You can access the current text of the Policy through a link at the bottom of our internet Platform. Continued use of the internet Platform is considered acknowledgment that you have read and understood the applicable Policy.

Types of personal data we process and collection methods

We collect data in the following ways:

a) Directly from the individual: For registration purposes

First and last name
Email address
Phone number
User password

a) Directly from the individual: For Service execution purposes

Personal data (first name, last name, email address, phone number, date and place of birth, national ID, marital status, education, father's name, residential address, and others)
Property data (address, number, city, price, age, parking space)
Desired property data (location, price, age, etc.)
Data and documents for the preliminary loan application (job title, type of work, sector, employer name, workplace, start date, income, employment certificate, payslips, ID card and/or passport and/or work permit, preliminary or purchase agreement for real estate, property sheet, property valuation, and others)

b) Indirectly collected data

Through the use of cookies on our web Platform

c) From third parties: from commercial banks

Information about loan disbursement to a natural or legal person
Information about submitted product requests
Information about signed contracts
Information about conducted meetings and calls
From users of our Services, we also collect data (name, surname, contact) about the real estate seller they previously purchased from

Basis for data use

The legal basis for processing data of Platform www.uporedikredit.com users is the consent of the data subjects. Consent is given by accepting this Privacy Policy during registration on the Platform.
Consent once given can be withdrawn at any time by submitting a request for consent withdrawal to the Platform's email.
The legal basis for data processing for the purpose of executing the internet Platform usage Service is a contract, i.e., taking actions before concluding a contract.
If you refuse to provide the data necessary for this purpose, the Platform will not be able to conclude a contract with you or provide you with the requested service.

Recipients of your personal data

Banks, based on cooperation agreements that the Platform concludes with commercial banks. Within the cooperation with commercial banks, the Platform and commercial banks jointly determine the purposes and methods of processing users' personal data.
Authorities and persons to whom the Platform is legally obligated to submit the relevant data.
In the event of a merger or acquisition of all or part of the Platform by a company, the acquirer would have access to information held by the Platform.
For litigation and security purposes: We may also disclose your personal data if required to do so by law.

DATA CONTROLLER INFORMATION

Data controller

www.uporedikredit.com

Email: info@uporedikredit.com

For privacy-related questions, contact our DPO at: dpo@uporedikredit.com

Data retention and security

The Platform processes personal data collected for the purpose of exercising rights and obligations from the contractual relationship until the termination of that relationship, except in cases where the Platform is obligated to retain data after the termination of the agreed cooperation.

Data Security: We take all reasonable measures to protect data from unauthorized access, misuse, or loss.

Email: info@uporedikredit.com

USER RIGHTS

Your rights regarding data processing

Right to access and rectification

The right of access means that the individual can obtain information from the Platform about whether their personal data is being processed and permission to access their data.
The Platform shall, at the individual's request, rectify personal data that is inaccurate or supplement incomplete data.
The Platform shall, at the individual's request, delete their personal data if the conditions prescribed by Law are met.
The Platform cannot delete personal data if the obligation to process it is prescribed by law or processing is mandatory for reasons of public interest protection.

Right to restriction and portability

The Platform shall, at request, restrict the processing of personal data in cases prescribed by Law.
The Platform shall, at request, deliver personal data in a structured, commonly used, and machine-readable format, and enable the individual to transfer them to another controller.
This right also includes the ability to request that the Platform directly transfer personal data to another controller if technically feasible.

Right to withdrawal and objection

You have the right to withdraw your consent to the processing of personal data at any time. Withdrawal of consent does not affect the lawfulness of processing based on consent prior to your withdrawal.
You can withdraw your consent by submitting a request to the Platform's email. If you withdraw consent, we will not be able to provide you with the desired service.
At any time, the individual may submit an objection to the Platform regarding the processing of personal data based on legitimate interest.
Providing your personal data enables us to execute the service for which you have engaged us. If you refuse, we will not be able to provide you with the service.
The Platform has the right to periodically amend and update these privacy rules. The Platform will notify you of any significant changes.

Cookie Policy

Introduction

About this policy

This Cookie Policy explains how UporediKredit uses cookies and similar tracking technologies on our website.

What are cookies?

Cookies are small text files that are stored on your device when you visit a website. They help the website remember your settings and preferences.

Why do we use cookies?

We use cookies for the following reasons:

Enabling basic site functionality
Remembering your settings and preferences
Analyzing traffic and site usage
Improving the user experience
Personalizing content

Types of cookies

By origin

First-party cookies

Cookies set directly by our website:

Authentication cookies
Cookies for remembering settings
Calculator functionality cookies
Session tracking cookies

Third-party cookies

The Platform uses a minimal number of third-party services, exclusively for technical and operational purposes:

Sentry — application error monitoring to improve stability (does not set user tracking cookies)
Vercel — hosting platform (may use technical cookies for content delivery optimization)

By duration

Session cookies

These cookies are automatically deleted when you close your browser. They are used to maintain your session while browsing the site.

Persistent cookies

These cookies remain on your device for a certain period of time or until you delete them. They are used to remember your preferences between visits.