Last updated on: 15 November 2020



Thank you for choosing to use the individual scoring service platform ‘FINAScore' and our other services, hereinafter referred to as the "Services".

'FINAScore' has produced this Privacy Policy and Terms of Use (hereinafter referred to as the "Terms") so that you may be familiar with the rules that define our relationship with you.

Although we have tried to make this document as comprehensible as possible, you will also encounter legal terms. The reason for using them is that they form the legal contractual terms / clauses between you and ‘FINAScore, so we suggest you read them carefully.

By using our services, you agree and undertake to fully respect your obligations under these Terms, otherwise we kindly ask you not to use our services.

Under these Terms, the terms "YOU" or "user" or "buyer" mean the entity or individual who uses our services, while "WE" or "our" or ‘FINAScore’ means ‘FINASCORE’ SH.P.K. a limited liability company incorporated as per applicable laws in Republic of Kosovo.

THIS DOCUMENT IS A LEGAL RELATIONSHIP BETWEEN YOU OR THE ENTITY (SOCIETY) YOU REPRESENT (hereinafter "You" or "Your") AND THE 'FINASCORE’ SH.P.K. (hereinafter referred to as "FINAScore "), which covers the terms of use of the FINAscore software platform and the mutual cooperation between the parties.

Terms & Conditions

The terms outlined hereby are the Website Usage Standard Terms and Conditions (these “Terms” or these “Website Usage Standard Terms and Conditions”) contained here on this webpage, shall govern your use of this website.

These Terms apply in full force and effect to your use of this website and by using this website you accept all terms and conditions in full. If you have any objection to any of these website usage standard Terms and Conditions you must not use

Intellectual Property Rights

FINAScore and/or Finacco Kosovo LLC Team and or its licensors owns all rights to the intellectual property and material contained in this website, its content and of the brands Finacco Kosovo and FINAScore as registered with the local Authorities.

You are granted a limited usage license only, subject to the restrictions provided in Terms described above, for purposes of viewing the material contained on


The user of this website portal is expressly restricted to following actions or any other actions that may be unlawful or unauthorized including but not limited to Publishing; Selling, sublicensing and/or commercializing in any way, any Website, Web Portal content or any part of it; using this Website in a way that is damaging, or that could be damaging to this Website; using this Website contrary to applicable laws and regulations, or in a manner that results in, or that could result in harm to the Website, or to any person individuals, business or any other legal entity; using this Website or Website portal or its Content to engage in any type of advertising or marketing activity.

Certain dedicated areas of this website are restricted from access.

FINAScore and/or Finacco Kosovo LLC Team may further restrict access to other areas of Website visited by you, at any time, at its sole discretion.

Accuracy, Completeness, and Timeliness of Information

TWe are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information.

Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. Credit-related analyses, including ratings, and statements in the Content are statements of opinion as of the date they are expressed and not statements of fact or recommendations to purchase, hold, or sell any securities/ loan approvals or to make any investment decisions. Finacco Kosovo LLC-FinANALYTICS assumes no obligation to update the Content following publication in any form or format.

No Warranties

Nothing contained on this website or in its content shall be interpreted as advisory. The Content should not be relied on and is not a substitute for the skill, judgment and experience of the user, its management, employees, advisors and/or clients when making investment and other business decisions Finacco Kosovo LLC – nor FINAScore are not responsible for any errors or omissions, regardless of the cause, for the results obtained from the use of the website portal or its content, or for the security or maintenance of any data input by the user. The website portal and its content is provided on an “as is” basis.

Third-Party Links

The information is provided by Finacco Kosovo LLC and FINAScore and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website, web portal, its content or the information, products, services, or related graphics contained on the website, website or content for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

FNAScore sometimes links to other websites which are not under the control of our editorial board and the IT experts engaged in maintaining our website. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, FINAScore nor Finacco Kosovo LLC takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Limitation of Liability

You agree that 'FINAscore' shall in no way be liable for any consequential, incidental, indirect, special, punitive or any other loss or damage or loss of personal, business profits, business interruption, computer failure, loss of personal or business information or any other loss resulting from or caused by your use or inability to use the service, even if 'FINAScore' has been advised of the possibility of such damage, in no event shall be the sole responsibility towards you in connection with any service, whether direct or indirect, to exceed the fees paid by you for such service.

FINAScore and/or Finacco Kosovo LLC, its affiliates, and any third-party providers, as well as their directors, officers, shareholders, employees or agents (collectively FINAScore and/or Finacco Kosovo LLC) do not guarantee the accuracy, completeness, timeliness or availability of the content on the website portal nor on its printed version of any content. In no event shall FINAScore be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the content even if advised of the possibility of such damages.



Should any provision of these Terms be found to be unenforceable or invalid under any applicable law, the unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Any such provisions shall be deleted without affecting the remaining provisions contained herein.

Change of Terms

FINAScore and/or Finacco Kosovo LLC Team are permitted to revise these Terms at any time as it sees fit, and by using this website you are expected to review these Terms on a regular basis.

Entire Agreement

These Terms, including any legal notices and disclaimers contained on this website, constitute the entire agreement between FINAScore and/or Finacco Kosovo LLC Team and you with regards to your use of this website, and replace all prior agreements and understandings with respect to the same.

Governing Law and Jurisdiction

These Terms will be governed by and construed in accordance with the laws of Kosovo, and you submit to the nonexclusive jurisdiction of the courts located in Kosovo for the resolution of any disputes.

Privacy Policy

Our Privacy Policy governs the privacy terms of our web-site, located at Any capitalized terms not defined in our Privacy Policy, have the meaning as specified in our Terms and Conditions accessible at terms-conditions.

Your Privacy

FINAScore and/or Finacco Kosovo LLC follows all applicable national legal requirements in particular as set with the Law Nr. 03/L-172 on the Protection of Personal Data, to protect your privacy. Our Privacy Policy is a legal statement that explains how we may collect information from you, how we may share the collected information, and how you can limit the sharing of your information. You will see terms in our Privacy Policy that are capitalized. These terms have meanings as described in the Definitions section below.


"Non-Personal Information" is information that is not personally identifiable to you and that we automatically collect when you access our web-site with a web browser. It may also include publicly available information that is shared between you and others public entities or social networks.

"Personally Identifiable Information" is non-public information that is personally identifiable to you and obtained at our request or with your initiative/request, in order for us to enlist you within our web-site. Personally Identifiable Information may include information such as your name, e-mail address, and other related information that you provide to us or that we obtain about you.

Information We Collect

FINAScore will not have any direct personal data on specific individuals but the collected data will only be created/collected for use in application for internal use by credit institutions in Kosovo (including banks, and microfinance and non-banking institutions licensed by the CBK).

Generally, you control the amount and type of information you provide to us when using our web-site. As a Visitor, you can browse our web-site to find out more about our services. You are not required to provide us with any Personally Identifiable Information as a Visitor.

Computer Information Collected

When you use our web-site or applications, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our web-site. Such information is typically considered Non-Personal Information.


Our web-site uses "Cookies" to identify the areas of our web-site that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our web-site. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access the entire functionality on our web-site/applications correctly or at all. We never place Personally Identifiable Information in Cookies.

Third Party Tracking Tools

We also use third party tracking tools to improve the performance and features of our web-site. These third party tracking tools are designed to collect only Non-Personal Information about your use of our web-site. However, you understand that such tools are created and managed by parties outside our control. As such, we are not responsible for what information is actually captured by such third parties or how such third parties use and protect that information.

Automatic Information

We automatically receive information from your web browser or mobile device. This information includes the name of the web-site from which you entered our web-site, if any, as well as the name of the web-site to which you're headed when you leave our web-site. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet web-site provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyse trends among our Users to help improve our web-site.

How We Use Your Information:

Customizing Our Web-site

we may use the Personally Identifiable information you provide to us along with any computer information we receive to customize our web-site. Sharing Information with Affiliates and Other Third Parties We do not sell, rent, or otherwise provide your Personally Identifiable Information to third parties for marketing purposes. We may provide your Personally Identifiable Information to affiliates that provide services to us with regards to our web-site (i.e. web-site hosting companies, payment processors etc.); such affiliates will only receive information necessary to provide the respective services and will be bound by confidentiality agreements limiting the use of such information.

Data Aggregation

we retain the right to collect and use any Non-Personal Information collected from your use of our web-site and aggregate such data for internal analytics that improve our web-site and our service as well as for use or resale to others. At no time is your Personally Identifiable Information included in such data aggregations.

Legally Required Releases of Information

we may be legally required to disclose your Personally Identifiable Information, if such disclosure is (a) required by subpoena, law, or other legal process; (b) necessary to assist law enforcement officials or government enforcement agencies; (c) necessary to investigate violations of or otherwise enforce our Legal Terms; (d) necessary to protect us from legal action or claims from third parties including you and/or other Members; and/or (e) necessary to protect the legal rights, personal/real property, or personal safety of FINAScore Team, our Users, employees, and affiliates.

Do Not Track (DNT)

We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Links to Other Websites

Our web-site may contain links to other web-sites that are not under our direct control. These web-sites may have their own policies regarding privacy. We have no control of or responsibility for linked web-sites and provide these links solely for the convenience and information of our visitors. You access such linked web-sites at your own risk. These web-sites are not subject to this Privacy Policy. You should check the privacy policies, if any, of those individual web-sites to see how the operators of those third-party web-sites will utilize your personal information. In addition, these web-sites may contain a link to web-sites of our affiliates. The web-sites of our affiliates are not subject to this Privacy Policy, and you should check their individual privacy policies to see how the operators of such websites will utilize your personal information.

Our E-mail Policy

Our affiliates and we fully comply with national and EU Directives regarding SPAM. You can always opt out of receipt of further e-mail correspondence from us and/or our affiliates. We agree that we will not sell, rent, or trade your email address to any unaffiliated third-party without your permission.

Privacy Policy Updates

We reserve the right to modify this Privacy Policy at any time. You should review this Privacy Policy frequently. If we make material changes to this policy, we may notify you on our web-site, by a blog post, by e-mail, or by any method we determine. The method we chose is at our sole discretion. We will also change the "Last Updated" date at the beginning of this Privacy Policy. Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies.

Privacy Policy Updates

We may suspend your user account or temporarily disable access to any part or portions of any Service in the event of suspected unlawful activity, prolonged periods of inaction, or requests by law enforcement or other government agencies.

Objections to suspend or deactivate user accounts must be made to within thirty (30) days of the suspension notice. We may close a suspended user account after thirty days. We will also terminate your user account upon your request. In addition, we reserve the right to terminate your User Account and deny the Services with reasonable confidence that you have violated the Terms and to terminate your access to FINAScore Services in the event of unexpected technical issues or termination of the Service.

You have the right to terminate your User Account if 'FINAScore' violates its obligations under these Terms and in such case, you shall be entitled to a refund of any prepaid payments. Termination of your user account will include denial of access to all Services, deletion of information in your user account such as your email address, and password and deletion of all data in your user account.

Termination of Terms of Service

If you have any questions or concerns regarding this Agreement, please contact us at


If we receive a complaint from any person against you regarding your activities as part of using the Services, we will forward the complaint to the primary email address of your user account. You must respond to the complainant directly within 10 days of receiving the complaint sent by us and copy 'FINAScore' into the communication. If you do not respond to the complainant within 10 days of our email address to you, we may disclose the name and contact information to the complainant to enable the complainant to take legal action against you. You understand that your failure to respond to the complaint within 10 days will be construed as your consent to the disclosure of your name and contact information to the complainant's 'FINAScore'.