Your reliable partner in debt settlement

Primo Kapital operates in full compliance with Ukrainian law. The company is included in the National Bank of Ukraine's Register of Collection Companies — a mandatory register for all legal entities that settle overdue consumer-credit debt on behalf of lenders or new creditors. The register is freely accessible 24/7, so you can check the company yourself on the official website of the National Bank of Ukraine: bank.gov.ua — Registration of collection companies.

Yes, it does.

Primo Kapital settles overdue debt under a mandate agreement concluded with the Creditor. This means the Company is authorised by the creditor to communicate with you about the existing debt, provide the necessary information, accept enquiries and take other debt-settlement actions within the scope of the authority granted. The creditor under your agreement does not change. Primo Kapital acts in the interests and on behalf of the Creditor, not as a new creditor. We interact with debtors in accordance with Ukrainian law and the statutory rules of ethical conduct.

Payments must be made using the details given in the notice requesting repayment, or the details provided to you by Primo Kapital during contact, or by the Creditor.

Primo Kapital acts on behalf of the creditor and provides information on the current amount of the debt and the payment details for repaying it.

Before making a payment, we recommend checking that the payment details are current and the payment reference is correct, so that the funds are properly identified and credited towards your debt.

If you don't know where to pay or are unsure whether the payment details are current, contact Primo Kapital using the contact details on our website.

If you intend to repay the debt but don't currently have enough money to repay it in full, don't ignore our messages — let Primo Kapital know.

If you run into financial difficulties, you can contact the Company to discuss possible repayment options in line with the terms the Creditor may offer.

We are ready to look at your situation and provide information on possible settlement options.

The key thing is not to delay: the sooner we talk, the more options we can consider.

Yes.

You have the right to receive information and documents confirming the grounds on which Primo Kapital is contacting you about settling your debt. As Primo Kapital acts on behalf of the Creditor, the Company can provide documents and information confirming its authority to settle the debt, in the manner and to the extent provided by Ukrainian law. To obtain such documents or information, contact Primo Kapital using the contact details on our website.

We are open to working with you and ready to explain the grounds for contacting you.

If you took out a loan from a bank or microfinance company and Primo Kapital is now contacting you about repaying it, this means the Creditor has instructed our Company to settle the overdue debt. Primo Kapital acts under a mandate agreement and interacts with you in the Creditor's interests within the scope of the authority granted.

The Creditor under your loan agreement does not change. Primo Kapital does not become your new creditor; it settles the debt on the Creditor's behalf.

If you have questions about the grounds for contact, the amount of the debt or how to repay it, contact Primo Kapital using the contact details on our website.

If you receive a call or message about another person's debt, tell the Primo Kapital representative and state that you are not the person who owes the debt.

To verify the information, the Company may ask you to confirm your contact details and the circumstances of the call. If it is established that you have no connection to the debt and are not the person obliged to repay it, no further contact will be made with you on this matter.

If you believe your phone number was mistakenly listed as a contact number, you can also let Primo Kapital know through the contact channels available on the website.

We respect everyone's right to privacy and interact strictly within the limits of Ukrainian law.

If you have combatant status or belong to another category of persons for whom Ukrainian law provides special guarantees or restrictions regarding debt settlement, let Primo Kapital know and provide documents confirming your status through one of the available contact channels:

• 0 800 200 502
• info@primokapital.com.ua
• Viber · Telegram

The Company takes your status into account when interacting with you and settles the debt in compliance with Ukrainian law.

To clarify your situation and get information on any special arrangements for settling your debt, contact Primo Kapital using the contact details on our website.

The amount of the debt may change depending on the terms of your loan agreement and the payments it provides for. In particular, the debt may include the principal, accrued interest, fees and other charges, where these are provided for by the agreement and Ukrainian law.

In other words, the debt does not grow arbitrarily but according to set rules — and the longer the delay lasts, the larger the total becomes. To stop further charges, it's best to settle the debt as soon as possible.

For detailed information on the amount and composition of your debt, contact Primo Kapital. We will tell you the current amount of the debt and its components.