Privacy Policy

Last updated: May 2026

KRYSTAL KS respects your privacy and protects personal data in accordance with Ukrainian law. This Privacy Policy explains how we collect, use, store, and protect data when you use our website and request credit union services.

1. Data Controller

Data controller: Credit Union "KRYSTAL" (KRYSTAL KS), EDRPOU 36435868, address: 2b, of. 7 vul. Velyka Arnautska, Odesa, 65048 Ukraine. Contact: contact@kskrystal.org.

2. Categories of Data

Depending on your request, we may process:

• Identification and contact data: full name, phone number, email address, and other details provided by you.
• Application data: information needed to review eligibility for credit union products.
• Technical data: IP address, browser type, device details, and website interaction data.

3. Purposes of Processing

• To respond to enquiries and provide information about services.
• To evaluate requests for loans and other member services.
• To comply with legal and regulatory obligations.
• To improve website functionality and information security.

4. Legal Grounds

We process personal data based on your consent, pre-contractual measures requested by you, contractual necessity, legal obligations, and legitimate interests related to service administration and security.

5. Data Sharing

We do not sell personal data. Data may be shared with authorized service providers, legal advisors, and competent authorities when required by law.

6. Retention Period

Personal data is stored only for as long as necessary for the purposes described in this policy and according to statutory retention requirements.

7. Your Rights

You may request access to personal data, correction of inaccuracies, deletion where legally possible, restriction of processing, or withdrawal of consent where applicable.

8. Security Measures

KRYSTAL KS applies technical and organizational safeguards to prevent unauthorized access, disclosure, loss, or alteration of personal data.

9. Policy Updates

This Privacy Policy may be updated periodically. The current version is always available on this page.

10. Contact

For privacy-related requests, contact: contact@kskrystal.org, or by post: 2b, of. 7 vul. Velyka Arnautska, Odesa, 65048 Ukraine.