Policies and Terms

Cookie Policy

The website www.topleasingcredit.md (hereinafter referred to as “Website”) is the property of O.C.N. “TOP Leasing & Credit” S.R.L. and uses cookies. O.C.N. “TOP Leasing & Credit” S.R.L. owns other websites as well, each having its own cookie policy. In order to comply with the requirements established by the Law of the Republic of Moldova No. 133 of 08.07.2011 “on the protection of personal data”, all visitors of the Website are asked to provide their consent before cookies are sent to their computers. The website www.topleasingcredit.md uses its own cookies and third-party cookies to provide visitors with a much better browsing experience and services adapted to their individual needs and interests.

What is a “cookie”?

An “Internet Cookie” (also known as a “browser cookie”, “HTTP cookie”, or simply “cookie”) is a small file, composed of letters and numbers, that is stored on a computer, mobile device, or other equipment used to access the Internet. Cookies themselves do not request personal information in order to be used and, in most cases, do not personally identify Internet users.

What are the main categories of cookies?

From the perspective of the purposes for which cookies are placed, the following categories generally exist: strictly necessary, measurement, analysis and website performance improvement, and promotional (targeting and advertising).

What types of cookies does the website www.topleasingcredit.md?

Strictly necessary cookies These cookies are necessary for the functioning of the Website and cannot be disabled in our systems. They are usually set only in response to actions taken by visitors through which they request various services, such as setting privacy preferences, authentication, or completing forms. In the browser used, visitors (users) can block or receive warnings regarding these cookies, but in such cases, certain parts of the site may not function properly. These types of cookies are exempt from the rule of obtaining consent for their placement.

Functional cookies

These cookies help us provide enhanced functionality and a personalized experience on our Website, such as live chat. If you do not allow these cookies, some services may not function correctly.

Measurement, analysis, and performance cookies

These cookies allow us to count Website visits and traffic sources so we can measure and improve its performance. This helps us learn which pages are most popular and which products or services presented on the Website attract visitors’ interest. All information collected by these cookies is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when a specific IP address visited the Website. Using applications such as Google Analytics or Adform, we collect anonymous data about Website visits, such as viewed pages, viewing duration, and landing pages.

Promotional cookies

These cookies are set on the Website based on agreements with our advertising partners (e.g., Social Media pages, Google, Adform, etc.). With the help of these cookies, we and our partners can observe and analyze which types of products on the Website a particular visitor showed interest in, and during a later visit to the Website or another website, advertising will be displayed based on the product previously viewed. This type of promotion is called targeted advertising. If you do not allow promotional cookies, it does not mean that you will not receive advertising on other pages, but that the ads displayed will be less relevant to you as an Internet user.

How can you control cookies?

You can change the website cookie settings (except for necessary cookies) by accessing the cookie settings menu. This menu can be found both in the Website’s cookie banner and in its footer. You can also configure your browser to block all types of cookies, including necessary ones. However, please note that in such cases, the websites you visit (including www.topleasingcredit.md) may not function correctly. Additionally, disabling other types of cookies (besides the necessary ones) may affect the functionality or user experience of the Website.

Privacy Policy

O.C.N. “TOP Leasing & Credit” S.R.L. located in mun. Chișinău, Alexandru cel Bun St., 108/1, office 56, IDNO 1006600044168 (hereinafter “the Company”), owner of the website- www.topleasingcredit.md, processes personal data in accordance with the legislation in force in the Republic of Moldova regarding the protection of personal data and is registered in the Register of Personal Data Operators under No. 0000759-001. The purpose of processing personal data is to ensure the Company’s activity and will be carried out for the following objectives: 1. a) Assessing the credibility and solvency of the potential client; 2. b) Consulting relevant databases during the pre-contractual financing stage; 3. c) Granting financing in the form of credit and leasing; 4. d) Concluding pledge and/or mortgage contracts; 5. e) Concluding surety agreements; 6. f) Concluding mandate contracts; 7. g) Forming and managing the client portfolio and ongoing financing contracts. Any use of personal data for purposes other than those mentioned above is strictly prohibited. In its activity, the Company collects and processes, with the consent of the data subject, the following personal data:

name and surname;
gender;
date and place of birth;
citizenship;
IDNP;
image/photo;
bank details;
information regarding owned property;
signature;
family status;
military status;
civil status documents;
personal social insurance number (CPAS);
medical insurance code (CPAM);
telephone/fax number;
mobile phone number;
address (residence/domicile);
email address;
profession and/or workplace;
professional training – diplomas – studies, etc.

Storage/archiving of personal data in the Company’s records is carried out for an indefinite term, but not less than 3 and respectively 5 years, according to the Indicator of standard documents and retention periods for public authorities, institutions, organizations, and enterprises of the Republic of Moldova. As a personal data operator, the Company guarantees the protection of the personal data rights of its clients. To achieve the above-mentioned purposes, the Company’s employees have certain rights, among the main ones being: the right of access, storage, and processing of personal information of clients. Only authorized individuals from the Company’s internal departments benefit directly from these rights, and only after signing a Confidentiality Declaration whereby they commit not to disclose personal data obtained during the exercise of their duties. All persons involved in the administration and/or processing of personal data will comply with the procedure for accessing personal data. The Company may restrict employees’ access to personal data when there is an obligation to protect the rights and obligations of third parties. For example, when the requested information contains personal data of individuals who have not given their consent. The collection, storage, and processing of personal data shall be performed only with the consent of the personal data subjects, except for the cases provided in Article 5 paragraph (5) of Law No. 133 of 08.07.2011 “on the protection of personal data”. The consent of data subjects is obtained when submitting the financing application by signing an Agreement on the processing of clients’ personal data, which forms an integral part of the financing application. Personal data subjects benefit from the rights provided in Articles 12-16 of Law No. 133 of 08.07.2011 “on the protection of personal data”, namely the right to information, the right of access to data, the right to object, and the right to intervene, which may be exercised through a written request addressed to the Company at the address: str. Alexandru cel Bun, nr.108/1, of. 56, mun. Chișinău. When exercising the right of access, the data subject shall submit a written request registered by the Company describing the volume of information for which access is needed. When requesting intervention on personal data, the request must specify in detail the type of information that needs to be rectified, updated, blocked, or deleted. The personal data subject has the right to object at any time, free of charge, for justified reasons related to his/her particular situation, to the processing of his/her personal data, except in cases where the law provides otherwise. If the objection is justified, the operator can no longer process those data. The refusal of the personal data subject or the withdrawal of consent regarding the processing of personal data by the Company is equivalent to the impossibility of examining the financing application and granting the requested financing.

TERMS AND CONDITIONS

O.C.N. “TOP Leasing & Credit” S.R.L. (hereinafter “the Company”) owns the website( www.topleasingcredit.md , as well as the ownership rights for all information presented on this site, and reserves the right to modify the content and/or structure of the site at any time without prior notice. No information on this site shall be considered an offer. This site contains no suggestions or recommendations regarding any field of activity, and the information contained herein does not constitute a basis for decision-making of any kind. Therefore, the Company cannot be held responsible for any type of damage caused to the site user. It is forbidden for any person to reproduce, distribute, or publish in any form the content of the materials presented on this site without the written consent of the Company. O.C.N. “TOP Leasing & Credit” S.R.L. does not guarantee that the information appearing on this site is error-free, although it makes every effort to provide updated and accurate information. Any person wishing to obtain information and/or purchase any of the services or products presented on the site is invited to contact any of the O.C.N. “TOP Leasing & Credit” S.R.L. offices to be informed both about the availability of the respective service or product and about the contractual conditions, taxes, tariffs, and applicable commissions. The Company cannot be held legally responsible for any damage, loss, or prejudice caused to the site user due to erroneous information. Information may be changed at any time and no guarantee can be offered regarding its accuracy, completeness, or up-to-date status. O.C.N. “TOP Leasing & Credit” S.R.L. cannot guarantee or control the accuracy and timeliness of information present on third-party websites that are referenced on the Company’s site. By continuing to browse this site, the user explicitly understands and accepts the provisions of the Terms and Conditions stated above.

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