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CONSENT TO THE PROCESSING OF PERSONAL DATA

 

I hereby confirm my consent to the processing of my personal data by JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan," including their collection, storage, updating, clarification, use, request, and formation of a credit history, with the transfer of such data to the Joint Stock Company "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" (license of the Central Bank of the Republic of Uzbekistan No. 22 dated February 15, 2020) for the purpose of verifying my solvency and reliability as a client and subject of personal data, and for determining the limit of the microloan amount.


1. The processing of personal data is carried out by JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" for the following purposes:

1.1. Identification/simplified identification of the client;

1.2. Verification of the client's solvency and reliability;

1.3. Timely informing the client about the services provided by JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" and conducting marketing campaigns for clients together with partners;

1.4. Including the client in the database of potential clients of its partners, including informing the client about ongoing promotional campaigns by any means not contrary to the law;

1.5. Receiving services from partners related to the prompt access to information about the client;

1.6. Communicating with the client, including sending notifications, requests, and information regarding the use of services provided by JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan";

1.7. Improving the quality of services provided by JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan";

1.8. Conducting statistical and other research based on anonymized data.


2. For the purposes of this Consent, personal data means any information relating directly or indirectly to the client as a subject of personal data, including but not limited to:

2.1. Surname, first name, patronymic, year, month, date, and place of birth;

2.2. Address of residence;

2.3. Postal address;

2.4. Number and series of the identity document;

2.5. Taxpayer identification number;

2.6. Information about education and specialization;

2.7. Personal identifier of the individual;

2.8. Insurance contributions;

2.9. Debt on taxes and other mandatory payments;

2.10. The amount of accumulated pension contributions;

2.11. Information about employment;

2.12. Data on bank cards, as well as any movements of funds on the bank card;

2.13. Information automatically transmitted from the client's device, including cookies;

2.14. Home, work, mobile phones, email address, photographs;

2.15. Scanned copies of passport data;

2.16. Data on the sources of income and property of the client, scoring;

2.17. Information about the client's credit obligations, including past obligations;

2.18. Data available in open sources, any personal data made public by the subject of personal data through the Internet;

2.19. Contained in publicly available sources of personal data (including photographs, marital status, date of birth, hometown, family ties, home address, subscriber number, education information, etc.);

2.20. Other information necessary for the specified purposes.


3. I hereby express my consent and allow JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" to transfer my personal data to third parties for the purpose of providing me, as a client, with payment services, scoring, and analysis of solvency, as well as for cross-border transfer of personal data. Third parties (including, without limitation, the Joint Stock Company "National Bank for Foreign Economic Activity of the Republic of Uzbekistan", license of the Central Bank of the Republic of Uzbekistan No. 22 dated February 15, 2020) have the right to process personal data by the methods specified in this Consent, provided they comply with the legislation of the Republic of Uzbekistan on ensuring the confidentiality and security of personal data during their processing.


4. I agree that JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" receives and processes my personal data by performing actions (operations) or a set of actions (operations) performed using automation tools or without the use of such tools with personal data, including collection, recording, systematization, accumulation, storage, clarification (updating, modification), retrieval, use, transfer (distribution, provision, access), anonymization, blocking, deletion, destruction of personal data.


5. I agree that decisions based solely on automated processing of my personal data may be made concerning me, and I confirm that the following has been explained to me:

5.1. The decision based solely on automated processing of personal data is made based on the comprehensive assessment of the information provided by me, as well as information about me available in other sources, according to the criteria established by JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan."

5.2. The consequences of solely automated processing of personal data may include agreement to enter into civil-law relations with me only on certain conditions, or full or partial refusal to enter into civil-law relations with me, or refusal (including early termination) to continue existing civil-law relations with me.

5.3. In the case of my disagreement with the decision made solely on the basis of automated processing of my personal data, I have the right to raise my objections using the contact information available on the official website of JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" (https://nbu.uz). JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" is obliged to consider my objections and notify me in writing of the results of the consideration of my objections within a period not exceeding the maximum period for such notification in accordance with the Law of the Republic of Uzbekistan No. ZRU-547 dated July 2, 2019 "On Personal Data."

5.4. To protect my rights and legitimate interests, I have the right to contact the authorized state bodies and courts of the Republic of Uzbekistan in accordance with the procedure established for such appeals by the legislation of the Republic of Uzbekistan.


6. I confirm that I have been informed of my rights as a subject of personal data, in particular the following rights:

6.1. To receive from JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" information concerning the processing of my personal data (including confirmation of the fact of processing personal data, legal grounds, purposes of processing, processing periods, storage periods, the name and address of the person performing the processing of personal data on behalf of the owner and/or operator, and other information provided for by Article 22 of the Law of the Republic of Uzbekistan No. ZRU-547 dated July 2, 2019 "On Personal Data");

6.2. To require JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" to clarify my personal data, block or destroy them if personal data are incomplete, outdated, inaccurate, unlawfully obtained, or are not necessary for the stated purpose of processing, as well as to take the measures provided by law to protect my rights;

6.3. To withdraw my consent to the processing of personal data at any time;

6.4. To know about the presence of my personal data with JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" and third parties and their composition;

6.5. To receive information about the conditions for granting access to my personal data from JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan";

6.6. To appeal on issues of protecting my rights and legitimate interests concerning my personal data to authorized state bodies and/or courts;

6.7. To consent to JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" and third parties to disseminate my personal data in publicly available sources of personal data.


7. I understand that JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" has the right to process my personal data in accordance with the Law of the Republic of Uzbekistan No. ZRU-547 dated July 2, 2019 "On Personal Data" and that JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan" takes the necessary legal, organizational, and technical measures to protect my personal data from unlawful and/or accidental access, destruction, alteration, blocking, copying, provision, dissemination of personal data, as well as from other unlawful actions concerning personal data.


8. Consent to the processing of personal data is valid indefinitely.


9. I confirm that I independently provide this consent to the processing of data, including by independently entering a one-time digital code sent to the mobile phone number indicated by me during registration in the service of JSC "National Bank for Foreign Economic Activity of the Republic of Uzbekistan," which belongs to me.

Latest site update date: 10/08/2024 08:35:33 am

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
© 2024 NBU. All rights reserved. If you find an error in the text, highlight the wrong text and press Ctrl + Enter

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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

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Our specialist will answer you within a working day. Due to the high number of requests during the COVID-19 pandemic, there may be some delays in responding to requests.

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