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Hemenal means technology; we designed the smart finance system to meet your needs!
Building your home with cash, credit card or bond is a thing of
the past. Your loan is ready at Hemenal-contractes stores!
As your furnish your home, visit Hemenal-contracted stores to
keep your cash in your pocket!
Hemenal is instantly available for your purchases at contracted stores, and offers installment amounts depending on your budget!
What is more, pay your new refrigerator at contracted stores in
up to 36 months of installments, depending on your budget!
Because we are putting an end to worries like “I can’t pay in cash”, “My credit card limit is insufficient”, “A guarantor is needed for bonded purchase”, “I can’t go to bank to get a loan”.
Your Hemenal loan is ready for the products you like at Hemenal-contracted stores. Also, you will pay fast and easy with up to 36 months of installment options.
Very simple! Just visit a Hemenal-Contracted Store, decide the product(s) you want to have, and say “I want to use Hemenal Loan”.
As per the Law no. 6698 on Protection of Personal Data (“KVKK”), any information relating to making the identity of a natural person determined or determinable is deemed personal data. Your personal data held by our Company will be recorded, stored, maintained or retained by our Company in the capacity as Data Controller with below mentioned reasons, purposes and methods in compliance with the data storage, reporting and information obligations imposed by relevant regulations or legal authorities, will be classified and updated for legal or financial requirements and reasons, may be disclosed/transferred to Third Persons or classified to the extent permissible by regulations and within the legal limitations, and may be processed in accordance with the methods laid out in KVKK. We kindly ask you to be informed about the following matters.
Purposes and legal reasons of processing personal data;
Under all kinds of consumer regulations and particularly the Law no. 6502 on Protection of Consumers (“TKHK”), all kinds of regulations relating to Financing Companies and particularly the Law no. 6361 on Financial Leasing, Factoring and Financing Companies, and other regulations, your personal data may be processed by our Company for legally-defined/-restricted purposes, such as promoting and marketing all kinds of products and/or services to be offered by our Company or by other financial companies of which our Company is an agent; using such data in such products and/or services, recording identity, address or other information required to identify transaction owner; issuing all records and documentation which will be the basis for electronic and paper transactions; complying with data storage, reporting and information obligations imposed by the regulations, the Banking Regulation and Supervision Agency (“BRSA”), Information and Communication Technologies Authority Agency (“BTK”), Central Bank of Republic of Turkey (“CBRT”) and other authorities; offering other products and services demanded; establishing legal/business relationship with the customer concerning products/services and executing directly and/or indirectly the mutually-signed agreement(s); identifying product groups targeting customers, conducting studies/development based on customer- and Financing Company-needs; and offering services within the scope of our license of activity.
Persons/entities to which personal data may be transferred for the purposes above;
Personal data covers all information and documents making customer identity either determined or determinable, including the identity details of customers covered by the regulations such as Turkish Commercial Code, Tax Procedure Law and Financial Crimes Investigation Board (MASAK) regulations, the access/contact details such as address information, the information relating to financial products and consumer habits (loans, rating, scoring, repayments etc.), the information relating to methods of access to financial products (IP, mobile/phone brand/model, browser type, version, movements on the screen, social media information etc.), and the information received in the voice and video calls or through the transactions performed in the course of agreements between our Company and you.
Your personal data may be shared by our Company with persons and/or entities and other third Persons to the extent permissible by all consumer regulations, in particular TKHK, and to the extent permissible by any regulation relating to establishment, operation and activities of Financing Companies, in particular the Law no. 6361; with government entities and legal authorities such as BTK, BRSA, Capital Markets Board (“SPK”), CBRT, Undersecretariat of Treasury and Ministries; official entities legally authorized to request customer information from Financing Companies; our Company’s main shareholder and direct/indirect domestic/overseas subsidiaries; program partnerships, business ventures, sellers/providers offering the product and/or service subject to tied loans, domestic/overseas banks, suppliers and/or subcontractors; and your personal data may be processed accordingly.
Method of obtaining personal data;
Our Company may obtain your personal data through our dealer portal, corporate website, cooperation partners, online transactions and call center, orally, in writing or electronic media, either from you or from entities such as Credit Registry Bureau (KKB), Risk Center or other official entities, or from our direct or indirect affiliates, majority shareholder or natural persons/legal third party entities which our Company renders to or receives services from.
Your rights under Article 11 of KVKK;
Under KVKK, you have the right to apply to our Company to a) learn whether your personal data has been processed, b) request information if processed, c) learn the purpose of processing and whether it has been used as intended, d) get information about local/overseas third persons to which it has been transferred, e) request correction if processed incompletely/inaccurately, f) request deletion/removal under the conditions of Article 7 of KVKK, g) get information about any action made on it under subparagraphs (d) and (e) by third parties to which it has been transferred, h) object to any result unfavorable to you as caused by analysis of your personal data exclusively by automated systems, i) demand remedy of any damage suffered by you due to illegal processing of your personal data. Your rights hereunder will be effective as of October 7th, 2016.