Privacy policy | SEB Change language: Latvian Russian Skip to main content Internet bank Private Business Corporate banking Private banking Infohub News Analytics Fraud prevention Personalised content About SEB About SEB Sustainability Organization SEB in the Baltic counties Related companies Community investment Innovations Contacts for media For investors Legal Contacts Career Career Talent programmes Product development and technology Become a customer Children (7 – 17) Youth (18 – 25) Private customers Business customers Daily banking Bank accounts Payments Mobile app Service plans Tools and online services Programmes and offers Inheritance-related matters Cards Loans Mortgage loan Home Equity Loan Leasing Consumer loan Home energy efficiency Student loan Signing the application Savings and investments Where to start? Savings Investments Micro-investments Robo-Advisor Pension 2nd pension pillar 3rd pension pillar Next Generation Pension Insurance Submit a claim Life and personal insurance Loan insurance Home insurance Travel insurance Vehicle insurance More Internet bank Change language: Latvian Russian Private Business Corporate banking Private banking Infohub News Analytics Fraud prevention Personalised content About SEB About SEB Sustainability Organization SEB in the Baltic counties Related companies Community investment Innovations Contacts for media For investors Legal Contacts Career Career Talent programmes Product development and technology Privacy policy Paragraphs Contents General matters Introduction Data What data related to you do we process What are the bases for processing your data What are our purposes for processing your data Data processing Where do we acquire your personal data In what countries do we process your data How long do we store your data To whom do we provide your data Automated individual decision making Your rights What are your rights How can you exercise your rights How can minors exercise their rights Other matters Data protection officer's contact information Privacy policy expiry and amendments Personal data processing at SIA “SEB līzings” Personal data processing at SEB Life and Pension Baltic SE Personal data processing at AS “SEB atklātais pensiju fonds” Personal data processing at IPAS “SEB Investment Management” General matters Introduction With this Privacy policy (hereinafter “the Policy”) we aim to inform you about processing of personal data carried out by SEB Latvia. Should you have any questions, do not hesitate to contact our data protection officer whose contact information is provided in Section 13 of this Policy. Basic information about the relevant data processing is included in service agreements, informative announcements, as well as other documents related to the provision of the specific service. Also, we can provide information separately – as announcements in the internet bank, e-mail or social media. Information can also be provided to you by our employees, providing a verbal explanation or inviting you to familiarise yourself with the information contained in the documents. Our website seb.lv contains information about the use of cookies on our websites and the Policy’s current wording. We process your personal data in accordance with the General Data Protection Regulation (EU) 2016/679 (hereinafter “GDPR”), the Personal Data Protection Law, and other laws and regulations. The terms used in GDPR are used in this Policy. We are constantly developing our processes and improving the services provided to you. Therefore, we may change and supplement this Policy occasionally. We will inform you of any significant changes, , in accordance with the provisions of Section 14, through our website, by post, email, internet bank messages or in another way chosen by us. You (as a data subject) – a natural person whose personal data we process. Data subject may be an existing or former customer, including a minor, his/her representative, family member, guarantor, collateral provider, insurance policyholder, beneficiary of insurance policy or pension plan, heir, beneficial owner, representative or employee of our cooperation partner and other. SEB Latvia or we are SEB companies in Latvia – a legal entity owned by the SEB Group with the registered office in Latvia. SEB Latvia includes AS “SEB banka”, SIA “SEB līzings”, AS “SEB atklātais pensiju fonds”, IP AS “SEB Investment Management” investment management joint stock company, SEB Life and Pension Baltic SE. SEB Latvia may mean any of the individual or all of the mentioned companies together. SEB Group is Skandinaviska Enskilda Banken, AB (publ.), a company established in Sweden, as well as its directly or indirectly owned legal entities with all of their branches. Controller – a natural person or a legal entity that alone or together with others lay down the purposes and means of personal data processing. As regards our processing of the personal data, controller is the relevant legal entity of SEB Latvia with which you are related. That means that you or a persona related to you, such as your employer or organization represented by you: have or have had contractual or pre-contractual relationships, or the services of which you plan to use, are using or have used. Usually, SEB Latvia companies process personal data as separate controllers. However, in some cases there might exist joint controllership relationships between SEB Group companies in Baltics (AS “SEB banka”, AB SEB Bankas un AS SEB Pank). For example, as regards the maintenance of various IT systems and resolving of customer support matters, SEB banks in Latvia, Lithuania and Estonia act as joint controllers. They jointly lay down the purposes and means of the data processing. The contact information of SEB Latvia can be found here. Data What data related to you do we process We process the following personal data categories: General personal and identification data. Such as your name, surname, personal ID number, date of birth, identity document data, including a copy of the document, parents’ representation rights, information on dependents, and other data; Contact information – telephone number, electronic mail address, contact address and other data; Information on your behaviour patterns or actions on our websites. For example, information on when and where our internet bank, mobile application, website and other electronic platforms have been accessed, IP addresses and other related data; Information on your financial literacy, for example, education, knowledge and experience in investing; Information on your transactions, services received within SEB Latvia. For example, bank account number, payment orders, payment tools , as well as any activities performed with them. Cash deposits and withdrawals, including ATM transactions, inquiries, complaints, information about contract execution and similar data; Financial data. Such as the origin of funds and assets, tax residence country, payment documents, financial liabilities, payment discipline. Asset types and their values, including financial instruments and transactions involving them. Data on the collateral, credit history, creditworthiness, your expenses and income, financial and investment goals, risk tolerance, account transactions, and similar data; Information related to your economic activity – information about your workplace, employment, your economic or commercial activity, business partners, income stability, as well as information about your other sources of profit; Audio and video information, for example, visual surveillance, video and audio recording during your visits to our customer service locations or when you contact bank employees. Photos and video recordings made when you become the customer of SEB Latvia through the use of the mobile application; Biometric data when the customer is initially remotely identified using the mobile application. Health data – for example, within the liability deletion programs, Altum guarantee programs, student lending. The processing of health data for the provision of insurance services is described in Section 16 of the Policy. Within the scope of its core business only SEB Life and Pension Baltic SE regularly processes special categories of personal data. However, such data may also be processed by other SEB Latvia companies, if you disclose it within the scope of our services. For example, in order to grant a grace period for the repayment of the loan principal, we will base our decision on the information provided by you. The provision of such personal data may also be a prerequisite for receiving certain services. We receive certain personal data of the persons related to you, for example: legal representatives acting with relevant authorisation or on other basis; insurance companies; payers and payees; co-contractors and parties to contracts; beneficial owners; your lenders, creditors; your family members; insurance policy or pension plan beneficiaries; inheritors; politically exposed persons and their family members. We may receive your personal data if you are related to our customers – legal entities. For example, if you are the respective legal entities: manager; shareholder; member of the board or other administrative body; representative, acting under a respective authorisation, or if you are specified as the contact person; the true beneficiary; employee, who is provided with insurance or contribution to the pension plan.. What are the bases for processing your data We process your personal data in the following cases: You have expressed interest to receive our offered service, conclude an agreement or have already concluded an agreement with SEB Latvia. In such a case we process your personal data as long as you receive our service or the agreement is in force. Depending on the service provided this basis may be combined with other personal data processing grounds. You have given your consent to personal data processing. In Section 10 of the Policy the procedure for revoking the consent to personal data processing is described; AS SEB banka 2 (7) Personal data processing is required or allowed in the normative enactments. In such cases we process your personal data if that is our duty or right arising from the normative enactments. For example, to comply with the requirements in the field of prevention of money laundering and terrorism and proliferation financing; for the purposes of ensuring our legitimate interests, such as: To provide you with suitable and modern services, and to improve quality and clarity of our services. For example, to enhance and develop secure remote service delivery channels – website, internet bank, mobile application and others; To maintain and use joint internal information technology systems and customer databases; To ensure the consistency and sustainability of our operations; To protect our legal interests and claims. For example, to file claims in court and carry out other legal actions in order to avoid or reduce losses; To monitor and prevent unlawful activities. For example, we process data on the use of our issued payment cards or other payment instruments to detect unauthorized usage; To update or verify your personal data. For example, we obtain your personal data from various state-maintained registers. If you do not provide your personal data necessary for the conclusion or execution of an agreement, or processing of which is required by requirements of normative enactments or an agreement, we will not be able to provide our services to you. What are our purposes for processing your data We process your personal data for the following main purposes: to provide our services; to protect our rights; for marketing needs; for identification, assessment, documentation and management of risks; to protect our and our customers' property; to perform our economic and administrative act…