Privacy Policy

Last updated: December 20, 2025

This Privacy Policy describes how “Gnuni Gravatun” LLC collects, uses, and protects your personal data when you use our services or visit our website: www.gnunigravatun.am.

1. General Provisions

We value your privacy and are committed to protecting your personal data in accordance with the Constitution of the Republic of Armenia, the RA Law “On Protection of Personal Data,” and other legal acts.

2. Data We Collect

While providing pawnshop services or using the website, we may collect the following data:

• Identification Data: First name, last name, middle name, date of birth, passport or ID card details, Public Service Number (PSN).

• Contact Data: Phone number, email address, residential/registration address.

• Financial Data: Description of the collateral, bank account details (if payments are non-cash), credit history.

• Technical Data: IP address, browser type, visit time, device type (via Cookies).

3. Purposes of Data Collection

We process your data for the following purposes:

• Service Delivery: Conclusion of loan agreements, appraisal of collateral, loan disbursement, and servicing.

• Identification: Verifying the customer’s identity in accordance with the RA Law “On Combating Money Laundering and Terrorism Financing.”

• Communication: Establishing contact with you, responding to inquiries, sending notifications (e.g., regarding payment deadlines).

• Website Improvement: Carrying out statistical analysis to improve service quality.

4. Data Transfer to Third Parties

We strictly maintain the confidentiality of your data. Your data may be transferred to third parties only in the following cases:

• State Authorities: The Central Bank of Armenia, tax authorities, and law enforcement agencies in cases mandatory by law.

• Credit Bureau: For credit history formation and inquiries (e.g., ACRA Credit Bureau).

• Service Providers: Technical support companies that are obligated to maintain confidentiality.

5. Data Retention Periods

Your personal and financial data are stored during the term of the agreement and thereafter for the periods established by RA legislation (usually at least 5 years after the conclusion of financial transactions).

6. Security

We take necessary technical and organizational measures to protect your data from unauthorized access, loss, destruction, or other illegal actions. The website uses SSL encryption to ensure data transmission security.

7. Your Rights

You have the right to:

• Receive information regarding the processing of your personal data.

• Request correction of incorrect or incomplete data.

• Request the deletion of your data (if it does not contradict legally established retention obligations).

• Withdraw consent for data processing (in some cases, this may lead to the termination of services).

8. Cookies

Our website may use cookies to improve your experience. You can disable cookies in your browser settings at any time; however, this may limit access to certain website functions.

9. Changes

We reserve the right to change this Policy at any time. Changes take effect from the moment they are published on the Website.

10. Contact Us

If you have any questions regarding this Policy or wish to exercise your rights, please contact us:

• • Company Name: “Gnuni Gravatun” LLC

  • Address: 20 Vardanants St.

  • Email: gnunigravatun@gmail.com

  • Phone: +374 94 940 940, +374 11 550 575