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Privacy Policy

Last updated: 18.11.2025

This Privacy Policy explains how Livornica AM LLC, a company registered in the Republic of Armenia (“we”, “us”, “our”), collects, uses, stores, and protects personal data of users (“you”, “your”) who visit and use our websites (including letocredit.mx, letocredit.co.za, letocredit.pl, and other platforms operated by Livornica AM LLC).

By using our websites and services, you agree to this Privacy Policy.

1. Data Controller

Livornica AM LLC
Republic of Armenia
Email: support@livornica.com

All personal data collected through our websites is processed and stored in Armenia.

2. Data We Collect

We may collect the following categories of personal data:

2.1. Personal Identification Data

  • First name

  • Last name

  • Date of birth

  • Gender

  • National identification number (e.g., CURP or other equivalent ID)

2.2. Contact Information

  • Phone number

  • Email address

2.3. Financial & Application Data

  • Monthly income

  • Data used to evaluate eligibility for financial offers

  • Information required by partner financial institutions

2.4. Technical Data

  • IP address

  • Device and browser information

  • Cookies and similar technologies

2.5. Behavioral & Marketing Data

  • Website usage information

  • Interaction with marketing channels (email, SMS, push notifications)

3. How We Use Your Data

We process your personal data for the following purposes:

3.1. Service Delivery

  • To provide informational services related to financial products

  • To match you with relevant financial offers

  • To submit your application to partner financial institutions (when required)

3.2. Communication

  • To contact you regarding your request or application

  • To send service updates and notifications

3.3. Marketing

  • To send promotional messages by email, SMS, or push notifications

  • To personalize advertising based on your interests

  • To perform retargeting and remarketing

3.4. Analytics & Optimization

  • To analyze user behavior

  • To improve website performance and user experience

3.5. Automated Processing

We may use automated scoring systems to assess eligibility or match your data with appropriate financial offers.

4. Legal Bases

We rely on the following legal bases for processing your data:

  • Your consent (cookies, marketing messages, application submission)

  • Contractual necessity (processing your request to financial partners)

  • Legitimate interest (service security, fraud prevention, analytics)

5. Cookies and Tracking Technologies

Our websites use cookies for:

  • Essential website operations

  • Analytics and performance

  • Advertising and retargeting

  • Third-party services (e.g., Google, Facebook, affiliate networks)

You may disable cookies in your browser, but some features may not function properly.

6. Data Sharing

We may share your personal data with:

6.1. Financial Institutions

If you choose to submit a financial request, your data may be transmitted to relevant partner institutions via secure API.

6.2. Service Providers

Including:

  • Hosting providers

  • Email/SMS/push notification platforms

  • Analytics services

  • Marketing and affiliate networks

6.3. Legal or Regulatory Authorities

When required by law.

We do not sell your personal data.

7. International Transfers

All collected data is processed in Armenia, regardless of the country from which you access our websites. Appropriate security measures ensure safe data transfer.

8. Data Retention

We retain your personal data for 1 year from your last interaction with our services, unless a longer retention period is required for legal or security purposes.

After this period, your data is securely deleted or anonymized.

9. Your Rights

Depending on your country of residence, you may have the following rights:

  • Access to your personal data

  • Correction of inaccurate data

  • Deletion of your data

  • Restriction of processing

  • Objection to processing (including marketing)

  • Data portability

  • Withdrawal of consent

To exercise any of these rights, contact us at: support@livornica.com

10. Security

We implement technical and organizational security measures, including:

  • Data encryption

  • Secure servers

  • Restricted access

  • Fraud detection tools

  • Regular system audits

However, no method of data transmission is 100% secure.

11. Financial Disclaimer

Our websites do not issue loans or provide financial services.
We operate solely as an information aggregator helping users find financial offers from third-party institutions.

We are not responsible for the decisions or actions of any financial institution.

12. Changes to This Privacy Policy

We may update this Policy at any time. Updates will be posted on this page with a new “Last updated” date.

13. Contact Information

For any questions about this Privacy Policy or your data, please contact:

Email: support@livornica.com
Company: Livornica AM LLC
Jurisdiction: Republic of Armenia