Personal Information Protection Policy

Types of personal information we collect

In our website we collect information related to personal identification and general information.

The personally identified (personal) information shall be referable to the separate individuals, for example: name, address, telephone number, e-mail, address, etc. We are collecting personal information only from persons who have voluntarily having provided it in good faith and deliberately, for example by making a registration in our site or by providing information for a name and address with a request for further contacts with us. We do not require you to register or to provide this information to us just to review our website, to gain access to its contents and to make a purchase from this site.
The general collective information shall refer for example to the following fact: what is the number of visitors to the site, which pages provide access, what information are they downloading (transferring and recording), what are the web browsers and the operation systems for the users, ISP names (for example AOL) etc. When you visit our website, we automatically collect this information and merge it with similar information collected by all other visitors. This information does not grant us the right to identify you personally. Collecting this information helps us determine the best way to adapt our website to our users.

Information collection methods

As noted herein above, personal information is collected directly from you with your knowledge. So when you registered on the website, we collect information that you have provided us with. When you participate in the promotion, we collect the information that you require in order to participate and the information that we require in order to comply with our obligations. When you send us an e-mail, we keep your e-mail address in order to reply to you. 

We also collect current and process non-personal information during a visit on our website. Collection of this information is performed through use of the "cookie" technology or "web beacons" (also “single-pixel gifs”) as detailed below.


Why are we using cookies?
As many other companies, our website uses the technology for activation and deactivation of “cookies”. The cookies are bits of information that the website sends to the hard disk drives of the separate users with the goal of keeping records. They facilitate your online actions, saving your preferences when you visit a specific website. This data shall be used only as collected information and the cookies shall never contain any personally identifiable (private) information, could not take the profile of your system or collect information from your hard disk. When you review our website, we could send a cookie to your computer. Temporary cookies shall be used for example with the purpose of determining the number of visitors of our websites. The temporary “cookies” shall be eliminated in closing of your web browser. Through your web browser you could also save permanent cookies in your computer. When you provide access to our website, this type of cookies provides us with the information whether you have visited this website before or you are a new visitor. The “cookies” shall not collect any personal information about you, shall not provide any methods for contact and shall not extract information from your computer. In fact we are using cookies because they help us identify information and site elements that you are most interested in, with the purpose of exceeding your expectations.

For most browsers setting options exist which could forbid accepting new cookies, activation of the function for sending notices when receiving new cookies or to simultaneously deactivate all cookies. You should bear in mind that the cookies provide you the opportunity to use adequately all of the newest options of the website.

More information regarding cookies could be found on the following URL:

Forbidding/allowing cookies
You have the option of allowing or forbidding cookies through modification of your browser settings. However in case accepting cookies is not allowed, it could be possible that you are not using all interactive options, provided by our website.
How could the cookies stored in my computer be controlled?

Numerous different ways for control and management of cookies exist. In case you are using various computers situated in different locations, you should check whether the settings of each of the browsers are complied with your preferences as regards to the cookies.

For some of the modern browsers, certain functions exist that are used to perform analysis of the policies for protection of personal information of various websites and provide options for the user to exert control as regards to the user requirements for protection of privacy. Those browsers are known as platforms having functions for keeping the preferences regarding privacy "P3P" (Privacy Preferences Platform).

You could easily delete each cookie, having been installed in the cookie folder of your browser. For example if you are using Microsoft Windows Explorer:
§ - Open 'Windows Explorer'
§ - Click on the 'Search' button on the toolbar menu
§ - Type "cookie" in the search field in 'Folders and Files'
§ - Select 'My Computer' in the 'Look In' field
§ - Click 'Search Now'
§ - Double click on the search result folders
§ - Choose 'Select' for any of the cookie-files
§ - Press the 'Delete' keyboard key

If you are not using Microsoft Windows Explorer, you need to select "cookies" by using the "Help" function to receive information as to where you can locate the folder where the cookies are registered.

More about ”cookies”:
What is the purpose of the session cookies?

Normally websites use the cookies functioning during a session in order to guarantee that the user is recognizable, going from one page to another within the limits of a specific website and any data entered by this user shall be recorded. For example if an electronic trade site did not use active session cookies, then the articles in the shopping cart would disappear the moment the user finishes to the final control point for making the sale. With the change of the settings of your browser, you can select the option, allowing cookies – further information can be found in the cookies control section at the following URL:

§ Cookies are only accessible by the site which has placed them in your computer.
§ Cookies are a small package of information stored temporarily in the memory and not on the hard disk drive of your computer.
§ They are not used to collect information that personally identifies the user.
§ They collect information about the session of your browser.
§ They are destroyed immediately after the user leaves the respective website, closes the browser or has no activity for a certain period of time (most frequently 20 minutes).

What are permanent cookies used for?
The permanent cookies provide to the website the option of recognizing you for future visits and thus accelerate the use of services and functions, offered by the website and extend their scope.

For example a website could provide its content in various languages. In your first visit you could choose to select the contents of the website to be in French and the site could save this preference as a permanent cookie in your browser. When you visit this site again, the site shall use this cookie to provide the contents in French.

Demonstration of the methods to use a permanent cookie has been provided at the address
By changing the settings you could choose whether to allow your browser to accept this type of “cookie”. More information could be found in the cookie control section at the address:

§ The permanent ”cookies” shall be stored in the user computer and shall provide opportunity for its recognition in further visits of the respective website, as well as tracking the movement of the user within the website.
§ Depending on their configuration, some cookies could be accessible for other sites.
§ They are a small package of information that is permanently stored on your computer hard disk drive, and not in the temporary memory.
§ They collect information that could identify you personally (through ID).
§ It is possible to make settings for termination of the functionality after a certain period or never.
§ They could be deleted manually by the user by deletion from the computer.

Web beacons

Web beacons (Web beacons or counters) shall be Internet-tools which help us determine for example whether any given webpage has been visualized. When you require us to send to you information regarding promotions or news bulletins, we could use “web beacons,” in order to determine the number of e-mails that have actually been opened. In general, each electronic image, visualized as a part of a webpage, including advertising banners, could function as “web beacon”.

Advertising networks of third parties, placing advertisements in the websites of MDA Finance could use the cookies and/or “web beacons” in their advertising. MDA Finance shall not have any control over the cookies and/or the “web beacons” of those parties and shall not have any access to any part of the information that they could collect on behalf of those parties. More information regarding the advertising networks of third parties and their security policies could be obtained at address: Furthermore, MDA Finance could use cookies and/or web beacons when publishing advertisements on websites of other companies. For all data obtained by us in this way, this Security Policy shall be applied.

Tenders, free participation in drawing lots for prizes and promotions

Our websites sometimes contain messages regarding promotions organized by us and in some cases we could allow you to participate electronically. For these cases we shall use the information you have provided for the purposes of the promotion (for example to contact you if you have won). After expiry of a specific time frame, the collected personal information from your database could be used to organize repeated campaigns, as well as to inform you of the terms of our new campaigns.

Questionnaires and inquiry

Sometimes we would ask the visitors of our websites to complete participation forms or provide opinions on studies or questionnaires. The questionnaires help us figure out your needs. In case our website has published sample responses for selection during participation in studies, no further information providing options for personal identification shall be included. When you participate in some of our studies, you could be certain that we shall not keep any of your personal information in the database, having been obtained as a result of the inquiry.

Purpose of use your personal information

With your registration in the website, you hereby agree to maintain further contact with us or you have requested to be on our mailing list – this way we can sometimes contact you. For example, we could send you marketing or promotional materials; we can reply to your comments or requests for information or if this is necessary to seek contact with you in the process of performing an application submitted by you through our website or a request for a product or a service.

In the e-mail section in our website we are requesting certain data, providing opportunity for personal identification, including your name and telephone number. We shall use this information only if required to have direct contact with you, in case our attempts for contact by e-mail prove to be unsuccessful. We shall use your e-mail address to send responses to your e-mail messages and for no other purpose, except in case we have received your permission to do so.

In section payment we require from you your card details (card number, expiration date, 3 - digit security code, name of cardholder, the authentication data), but this information is used only by your bank. The company “MDA Finance” LTD as a trader does not have access to this information.

In order to guard you against fraud during payment with your Visa or MasterCard card, we apply best practices recommended by the international card organizations:

- the security during entry and transport of card data is provided by the use of an SSL protocol for encryption of the connection between our server and the payment server of our servicing bank;
- the authenticity of your card is checked by the verification of the card verification value (CVV2);

In addition, for your identification as the authentic cardholder, the payment server of our servicing bank supports the authentication schemes of the international card organizations – “Verified by Visa” and “MasterCard SecureCode”, in case you are registered to use them.
We shall use your personal information for improvement of our marketing and promotional operations; for statistical analysis of use of the websites; for the purpose of improving the functional characteristics and the contents. We can use your personal information in order to provide content complied with your interests, of which we have become aware on the basis of the information you have provided to us and on the basis of your operations as regards to the website. This content, complied with the personal needs of the user, could include banners, product information and promotions. We shall not automatically collect personal information, but could combine the non-personalized information collected automatically (through the cookies) with former information, submitted by you personally.
The main goal of Kraft in collecting personal data is providing content based information complied with your interests and in use of our websites and their interactive services.

Third parties providing support services to MDA Finance

In the process of performing its operation, we are renting out other companies and persons to perform various functions in their own name. For example we are hiring agencies to assist in organizing promotions for users in case of analysis of data, performance of the orders made by you and perform user servicing. Those agents could have access to personal information, if this is required for them to perform their functions, performed for MDA Finance. But they shall be allowed to use this information for other purposes and they shall be required to keep privacy of the information.

Sharing and transfer of data

We shall not sell, transfer or disclose our information to third parties that allows personal identification that we are collecting through our website without your preliminary consent. Only certain limited cases of exceptions from this right shall exist. We shall disclose information in cases, in which this shall be permitted or shall be required by law. For example as long as this is required during investigation or for the purpose of crime prevention. Also: we could disclose information before third parties performing auxiliary services for us, as detailed in the terms and conditions, set forth hereinabove. 

In some cases it could be possible that we share summary information about our visitors with advertising agencies, business partners, sponsors and other parties in maintenance of our efforts to extend and adapt the content and the ads in our website to the requirements of the users. We can also summarize data from the registration files (the so-called “log files”) when visiting the website (such as information about your web-browser, your operation system, the pages visited, etc), with the purpose of obtaining information about the navigation of users within the website and of its most popular elements.

Links to other sites of MDA Finance

This site could provide access to other websites of MDA Finance. You shall make a reference for policies applicable for such websites, as it could be possible that certain differences exist in the application and operation of the Terms and Conditions for Use and the policies for personal data protection.

Links to other sites

MDA Finance shall do everything in its power to guarantee that each link (reference) in our website sends is referring you to a useful Internet location. However because websites and addresses change so quickly, Kraft shall not provide guarantee for the contents of each website we provide reference to. Furthermore the various websites shall have varying privacy policies. You need to always be informed of the privacy policies of the specific websites that you are visiting in order for you to understand your rights. The website shall provide access to other websites from all over the world that may not be property of MDA Finance or under the control of MDA Finance. In case MDA Finance has or exerts no control over those websites, access to such websites shall be performed solely and at your own risk.

Choice and control

You have the end (ultimate) control over information providing an opportunity for personal identification that you shall provide to our website. For example you can always change your choice as regards to performance of further contacts or just send an e-mail message to the online team e-mail address specified below or by changing information in the section with your site profile. Or, should you prefer, you could fully waive your registration and we shall take timely actions to remove your information, providing options for your personal identification in your database. Please send an e-mail to the online team at the address specified herein below in case you would like this action to occur.

Important notice to children

Before providing your name, address, e-mail address or any other private information you should always ask your parents if you can do this.

Privacy policy as regards to the children

We do not collect information from children that would allow the possibility of personal identification with the purpose of creating a database. Sometimes we can offer promotions in this section in our website, such as tenders or drawing lots for prizes. In such cases we could allow participation of children with the permission of a parent or a guardian. If the parent has agreed for the child to participate in the promotion and the child wins, we shall contact the parent (not the child) to receive additional personal information, required for the delivery of the respective prize. We shall not use children personal information for any other purposes, except for administration and compliance with the terms of the promotion. We shall not use this information to build databases and we shall not share information with third parties (other than companies, providing auxiliary services, as detailed hereinabove or business partners, with which it shall be evident that we are organizing the promotion). We keep in our database the personal information for the children and the parents in the framework of a reasonable term after conclusion of the promotions, unless the parents have expressly requested deletion of such information from our archives.

We can also allow a child to send us an e-mail or through our website to send an e-mail to one of its friends. We shall respond or deliver such electronic messages, but we shall not keep the names, e-mail addresses or the electronic messages in our operative database. We shall not keep this information or share it with third parties (other than companies providing support services, as detailed hereinabove).

Any parents, after having been properly identified in the respective way, could review all available information we have collected from their children in case such information is still kept in our operative database. Parents could also request deleting such information from our database and refuse to give their consent for further collection or use of information regarding their children. If you are a parent and you would like to exert your rights, please seek contact with the online team, as detailed herein below.

Contact information

Should you have any questions as regards to our privacy policy, you could contact us at:

MDA Finance EOOD
6 Peyo K. Yavorov Blvd., Office 8
1164 Sofia

or send us an e-mail:

We will be glad to answer your questions or to read your comments.