Privacy Policy

This Privacy Policy describes how Intelliants LLC (the “Company”, “we”, “us”), the operator of the BANKIR.KG service, collects, uses and protects users' personal data.

By using the Service, you confirm your consent to the terms of this Policy. This Policy is an integral part of the Terms of Service.

We may collect the following data:

• —Email address at registration (including the one received from Google when signing in with it)
• —Name and contact details you provide in your profile
• —Loan and payment data you enter in the service
• —Debt calculator data (dates, rates, amounts, currencies and exchange rates) if you press “Share”, “Save PDF” or “Save Excel”: it is stored so that the link to the calculation works (the saved file includes it too), and anyone with that link can see it
• —Payment data for the Banker plan: the chosen period, amount, payment method and invoice status; for an App Store subscription — the transaction number, product, price in the store’s currency and subscription dates that Apple reports. We do not receive or store bank card details, crypto wallets or other payment details — these are handled by the payment providers O!Dengi and Trybit and by the App Store
• —Technical data: IP address (in web server logs), browser type, device information
• —Active session data: when you sign in we store the device (browser and operating system, for a phone — the model), city and country of the sign-in, so that you can see your active sessions in the settings and end them. The IP address is not stored for this: it is only used to determine the city and country at the moment of sign-in
• —Telegram account profile (name, @username, photo) when signing in with Telegram: Telegram does not share an email, so we ask for it separately
• —Data of the «Invite a friend» program: who invited your account (if you registered by an invitation link or a document’s QR code), the date of your first Banker payment and the bonuses given to the inviter. The inviter sees only how many people they invited, how many paid and the bonus months they got — not your name or email

Your data is used solely to:

• —Provide the service's functionality (loan and debt tracking)
• —Identify your account and ensure security
• —Send notifications related to the operation of the service
• —Improve the quality of the service

Data is stored on the service's servers located within the Kyrgyz Republic, in accordance with the requirements of the legislation of the Kyrgyz Republic. Data between your device and the service is transmitted over secure HTTPS. Passwords are stored only as hashes, and attachments (receipts, contracts) open only for the parties to the loan via temporary links. We take technical and organizational measures to protect your data from unauthorized access, alteration or destruction.

We do not sell or transfer your personal data to third parties without your consent, except as required by the laws of the Kyrgyz Republic. To send emails (sign-up, password reset, invitations) we use Resend, which receives the recipient's address and the text of the email. The pages of the website and the app are served by Vercel. To accept payment for the Banker plan in the web version we use the payment providers O!Dengi (payment in som) and Trybit (payment in cryptocurrency) — they only receive the amount to be paid, a description (Banker for a month or a year) and an anonymous invoice number, without your name, email or other personal data. A subscription in the iPhone app is sold and charged by Apple (App Store) under its own privacy policy; we pass Apple only a random identifier that ties the purchase to your account, and receive from Apple the purchase details listed above.

When signing in with Google, Telegram or Apple we receive from the respective service only the profile needed for the sign-in (email, name, photo; with Apple you can hide your email — then we receive an Apple relay address); the sign-in itself happens on the Google, Telegram or Apple side, and we never receive your password from them.

Messages to the AI assistant in the app and to the Telegram bot (the Banker plan) are processed by the third-party artificial intelligence service DeepSeek: it receives the text of the message and the data about your loans and contacts needed to answer (names, amounts, dates). The assistant works only after your consent, which the app and the bot ask for before the first message; without it this data is not sent to DeepSeek. Do not send passwords or bank card details to the assistant.

The city and country of a sign-in are determined from the local DB-IP Lite database on our server (IP Geolocation by DB-IP); the IP address is not sent anywhere.

To find and fix failures, the app sends error reports to the Sentry error monitoring system on our own server: the error text, the place in the code, the page address without parameters, the app version, the browser or device and the internal number of your account. Your name, email, phone, IP address and request contents are not sent to Sentry.

To understand how the website and the web version of the app are used, we use Google Analytics (Google LLC): the pages you open and how you move between them, where the visit came from (for example, an ad link or a search), the type of device and browser, the approximate region, actions in the service — such as creating a loan, recording a payment or paying for the plan — and the internal number of your account. Your name, email, phone, contacts, loan amounts and contents, and messages are not sent to Google Analytics; the data is not used for advertising. Google keeps it for 14 months. The mobile apps do not use Google Analytics. You can turn analytics off with a blocker or the Google Analytics Opt-out add-on (tools.google.com/dlpage/gaoptout); this will not affect how the service works.

You have the right to:

• —Access your personal data
• —Correct inaccurate or outdated data
• —Delete your account and related data — in the app or at bankir.kg/delete-account
• —Withdraw consent to the processing of personal data

To exercise your rights, contact us via the Contact page.

Signing in to the app uses an access key stored in the browser (localStorage) or on the device in the mobile app — not in cookies. The website and the web version of the app use Google Tag Manager and Google Analytics, which set cookies for visit analytics (see the section on data sharing). You can disable them in your browser settings; this will not affect how the service works.

We reserve the right to make changes to this policy. We will notify users of material changes by email or through the service interface. Continued use of the service after such notice constitutes your acceptance of the new terms.

For any questions regarding data privacy, please contact us:

You can also write to us via the Contact page.