Customer Rights

Right to Receive Information

The key customer right is the right to receive information. According to Article 141, paragraph 3 of the RA Law “On Credit Organizations”, any person has the right to apply to “Credit Concept” UCC CJSC and receive the following information:

• Copies of the organization's financial statements (at least the latest annual) and the external audit opinion thereon,
• Copies of the organization's state registration certificate and charter,
• Updated information on services provided by the organization and tariffs.

Right to Familiarize with Credit History

Each customer has the right to receive their credit history free of charge once a year from credit bureaus operating in Armenia.

Right to Dispute and Appeal

In case of disagreement with the terms of the loan agreement or decisions made, the customer has the right to apply to the Financial System Mediator.

Financial System Mediator

Address: Republic of Armenia, Yerevan 0010, Khorenatsi St. 15, Elite Plaza Business Center, 7th floor

Phone: (+374 60) 70-11-11

Email: info@fsm.am

Website: www.fsm.am

Working hours: 09:00 – 18:00