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UAB “Pervesk” Privacy Policy

  1. General Provisions

    1. UAB “Pervesk” (hereinafter – “we”, “our”, etc.) respects your privacy and treats your personal data with great care. UAB “Pervesk” manages personal data in accordance with the General Data Protection Regulation (EU) 2016/679 (hereinafter – “GDPR”) and applicable national laws. In this privacy policy (hereinafter – “Policy”), the process of personal data collection, processing and protection through the use of our website, applications and services is detailed.

    2. Concepts used in this Policy:

      1. data controller – UAB “Pervesk”, legal entity code 304186270, with its registered office at Rinktines st. 5, Vilnius, Republic of Lithuania. The data controller establishes the aims and appropriate measures for data processing;

      2. data subject – any client, natural or legal person, who uses, used or has indicated the intention to use the services of UAB “Pervesk”;

      3. General Data Protection Regulation (GDPR) – Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC;

      4. personal data – any information related to a client who can be identified, directly or indirectly, in particular by reference to a name and surname, personal identification number, location data and online identifier, or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that person;

      5. data processing – any operation or set of operations which are performed upon personal data or sets of personal data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, erasure or destruction;

      6. services – any services offered or provided by UAB “Pervesk”.

    3. Other concepts used in this Policy shall be understood in accordance with the definitions set by the GDPR and other legislation.

    4. This Policy is applied when you use, used or have indicated the intention to use UAB “Pervesk” services, as well as in cases when relations had been established before this Policy came into force and (or) when your personal data was presented to or received by UAB “Pervesk”.

    5. Regarding any matter related to the processing of your personal data, please contact us by e-mail at [email protected].

    6. For the purpose of personal data processing, UAB “Pervesk” reserves the right to use third party services. UAB “Pervesk” aims to ensure that the clients’ personal data are processed by the data processor in accordance with the UAB “Pervesk” guidance and under existing legislation. The aforementioned data processors are obliged to maintain confidentiality and process personal data to the extent necessary for the performance of their functions or tasks.

    7. In order to protect clients’ personal data against unlawful access, misuse, copying, accidental or unlawful destruction, alteration, unauthorized disclosure and any other unlawful processing, UAB “Pervesk” uses appropriate legal, administrative, technical and physical security measures.

    8. By browsing this website and (or) using information contained therein, you confirm that you understood, agree and have familiarized yourself with this Privacy Policy. UAB “Pervesk” reserves the right, at its discretion, to change this Privacy Policy. Notifications about changes will be given at www.pervesk.lt and by e-mail.

  2. Personal Data and Purposes of Its Processing

    1. Personal data are to be received and processed if:

      1. the client intends to conclude or have concluded a contract with UAB “Pervesk”;

      2. consent was given by the client;

      3. the processing of personal data is possible on the basis of existing legislation;

      4. required in order to meet our legitimate interests (such as to enhance the quality of our services, to express and defend our company’s interests in legal disputes, to accomplish other legal acts, to prevent or reduce losses, to systematically monitor and prevent illegal activities, and to constantly assess the risks associated with the monitoring and prevention of illegal activities, etc.).

    2. Purposes and collection of personal data:

      1. Identity establishment and verification, communication with clients, anti-money laundering and counter-terrorist financing measures, provision of services (account opening, transfer of funds, payment collection and other payment services referred to in the Republic of Lithuania Law on Payments), execution of contractual and other legal obligations. The client’s name, surname, personal number, address, date of birth, ID document and a copy of the ID document, photo, video (live audiovisual transmission) recording, nationality, e-mail address, phone number, payment account number, IP address, occupation, public functions, and other information are necessary to comply with the law on the prevention of money laundering and terrorist financing of the Republic of Lithuania.

        1. These data are received directly from the data subject, as well as from third parties such as credit and (or) other financial institutions and their departments, the State Enterprise Centre of Registers of the Republic of Lithuania, personal data verification databases, credentials registries verification, the Register of Legally Incapable Persons and Persons with Limited Legal Capacity of the Republic of Lithuania, resident register, companies processing consolidated debtor files, companies processing registers of international sanctions, and other persons.

        2. Data are stored for 8 (eight) years from the date of termination of the business relationship. This time limit may be extended for up to 2 (two) years upon reasoned instruction of a competent authority. The time limit for data storage is established by the law on the prevention of anti-money laundering and terrorist financing of the Republic of Lithuania.

        3. These data may be provided to the supervisory authority, credit, financial, payments and (or) electronic money institutions, the State Tax Inspectorate, payment receivers, arrears management and recovery companies, companies processing consolidated debtor files, lawyers, bailiffs, auditors, and, if you give your consent, to other subjects with legal right to access to this information and subjects with whom we have a contract.

        4. This data may be provided to third parties in case your payment is sent through a third party or a third-party partner (correspondent) is engaged in the payment execution.

        5. The processing of these data is required by the laws of the Republic of Lithuania and our Terms and Conditions. If a client refuses to provide this information, UAB “Pervesk” retains the right not to enter or to terminate the contract and to refuse service.

      2. Debt management (debt management and collection, submission of debt claims, demands, lawsuits and other documents, provision of documents for debt collection, etc.). Data necessary for debt management: name, surname, personal number, address, date of birth, ID document, e-mail address, phone number, payment account number, IP address, payment statements.

        1. These data are received directly from the data subject, credit, financial, payment and (or) electronic money institution, the State Enterprise Centre of Registers of the Republic of Lithuania, resident register, company processing consolidated debtor files, other persons.

        2. In case of debt, the data retention period ends 10 (ten) years from the day the debt is incurred. After opening legal proceedings, the time limit is extended until the debt is repaid and for 24 (twenty-four) months after the repayment. This data retention policy is based on the limitation period for proceedings established in the Civil Code of the Republic of Lithuania.

        3. These data may be provided to companies processing consolidated debtor files, credit, financial, payments and (or) electronic money institutions, lawyers, bailiffs, courts, law enforcement institutions, the State Tax Inspectorate and other subjects with legal right to access to this information.

        4. These data may be provided to third parties in case the third party is related to the debt creation.

        5. This data processing is required by the laws of the Republic of Lithuania and our Terms and Conditions. If a client refuses to provide this information, UAB “Pervesk” retains the right not to enter or to terminate the contract and to refuse service.

        6. Maintenance and administration of a business relationship with the client, correspondence with the client, assessment of the client’s needs, consultation. Data necessary to fulfill the aforementioned principles: client’s name, surname, address, date of birth, e-mail address, phone number and other information received directly from the data subject. For this purpose, the information is stored for 5 (five) years from the date of termination of the business relationship and is not provided to other persons. The processing of these data is required by our Terms and Conditions. If a client refuses to provide us this information, UAB “Pervesk” retains the right not to enter or terminate the contract and to refuse service.

        7. Informing clients about our services. The client’s e-mail address, provided directly to us by the data subject, is required, and, with the client’s consent, it is used to provide information about our services. The client retains the right to refuse to receive such information and he or she can exercise this right by sending an e-mail to UAB “Pervesk”. The client’s e-mail address, with his or her agreement, is stored for 24 (twenty-four) months from the date of termination of the business relationship. The information stored for this purpose is not provided to other persons.

        8. Protection of our lawful interests, dispute prevention and collection of evidence. Information necessary for the processing: client’s IP address, payment statements, phone records, correspondence with the client, information about legal or administrative proceedings the client participates in, debts or other payable amounts to third persons, and other information provided to us for the aforementioned purposes. This information is stored for 5 (five) years from the date of termination of the business relationship with the client. These data may be provided to the supervisory authority, companies processing consolidated debtor files, lawyers, bailiffs, courts, law enforcement institutions, arrears management and recovery companies, other subjects with legal right to access this information, and, with your consent and (or) upon request of law enforcement authorities established in accordance with the legislation of the Republic of Lithuania and the European Union, to other subjects with whom we have a contract. This information is not provided to third parties, except on the basis set out by law enforcement authorities and this Policy. The processing of these data is required by the laws of the Republic of Lithuania and our Terms and Conditions.

        9. Direct marketing. To perform this activity, the client’s e-mail address, received directly from the data subject, is required. For this purpose, the information is stored for 24 (twenty-four) months from the date of termination of the business relationship. This information may be provided to search engines and social networks, but not to other persons.

        10. Direct marketing requires your consent. You have the right to object to direct marketing and to withdraw your consent at any time by writing us at [email protected].

    3. The personal data collected for the purposes specified in paragraph 2 of the Policy, except name, surname, personal number, number of your ID document and home address, may be processed for the purposes of statistical analysis. In that case, your personal data is processed in a manner that ensures that it would not be possible to identify concrete data subjects included in the scope of statistical analysis. Personal data collection for the purposes of statistical analysis is based on the legitimate interests of analyzing, improving and developing the activities performed by UAB “Pervesk”.

    4. You retain the right to disagree and refuse the processing of your personal data for the purposes of statistical analysis at any time and in any form, by informing UAB “Pervesk”. UAB “Pervesk” reserves the right to further process the data further for statistical analysis if proven that the data is being processed for legal reasons that override the interests, rights and freedoms of the data subject, or for the establishment, exercise or defense of the Data Controller’s legitimate interests.

    5. By collecting and using personal data entrusted to us and received from other sources, we adhere to legality, fairness, transparency, purpose limitation, data minimization, precision, limitation of storage period, integrity and confidentiality principles.

    6. UAB “Pervesk” undertakes to process your personal data only for the legitimate purposes specified in this paragraph of the Policy, except in cases specified by law.

  3. Personal data Processing and Third Parties

    1. All information specified in paragraph II shall not be provided to any third party without your consent, except in cases where it is required by applicable legislation or necessary for the purposes of service provision.

    2. UAB “Pervesk” is not responsible for ensuring clients’ privacy in third parties’ websites, even in cases where the client has accessed third-party websites by using links provided on this website. UAB “Pervesk” recommends that you familiarize yourself with the privacy policies of third-party websites” beforehand.

  4. Processing of the Personal Data of a Child

    1. Personal data of a child under the age of 16 will be processed only with the consent of the holders of parental responsibility, and only to the extent that such consent or permit is given.

  5. Cookies

    1. Cookies are used at the UAB “Pervesk” website. They are intended to improve the functionality and performance of the website.

    2. By browsing the UAB “Pervesk” website, you agree to our use of cookies. You retain the right to disagree with our use of cookies, however, disabling cookies might prevent some functions of our website from working correctly.

    3. UAB “Pervesk” bears no responsibility for the use of cookies by third parties.

  6. Client Rights

    1. The data subject has the right to:

      1. obtain confirmation from the data controller as to whether or not personal data concerning him or her is being processed, and, where that is the case, access to the personal data and information regarding its processing;

      2. have inaccurate personal data rectified by the data controller without undue delay. Taking into account the purpose of the processing, the client has the right to have incomplete personal information completed, inter alia, by providing an additional statement;

      3. request the data controller to restrict data processing in cases specified in Article 16 of the GDPR;

      4. obtain from the data controller the erasure of personal data concerning him or her without undue delay where one of the grounds set out in Article 17 of the GDPR applies;

      5. agree with the processing of personal data for direct marketing purposes, including profiling, and for our legitimate interests;

      6. have personal data transferred to another data controller or provided directly in the manner most convenient to him or her (this only concerns personal data provided by the data subject directly and which is processed by automated means on the basis of consent or conclusion and performance of the contract);

      7. withdraw your consent, without prejudice to the previous use of your personal data;

      8. lodge a complaint to the Lithuanian State Data Protection Inspectorate (more information at www.ada.lt)

    2. You may submit a request to exercise any of your aforementioned rights to the e-mail address [email protected]

    3. We will reply to your request in up to 14 (fourteen) calendar days from the day the request is received. In exceptional circumstances requiring additional time, with prior notice, we have the right to extend the time limit to respond to your request or to other requirements provided in your request for up to 30 (thirty) calendar days from the date of submission of your request.

    4. Your request may be refused due to circumstances specified in the GDPR and other legislation. In that case, you will be notified in writing.

  7. Final Provisions

    1. This Privacy Policy shall be applied in accordance with the laws of the Republic of Lithuania.

    2. All complaints regarding this Policy shall be primarily handled in accordance with the management procedure of UAB “Pervesk”. If a client is dissatisfied with the response provided, the client has the right to lodge a complaint with the Lithuanian State Data Protection Inspectorate.