Hereinafter you will find an account on application of cookies by Luminor Bank AS (hereinafter – Luminor) on its website.
Cookies are small‑size files sent to the website visitor’s end device (e.g. computer, mobile telephone) by the visited websites. Cookies are saved in the file directory of the Web browser (e. g. Microsoft Edge, Google Chrome), on the hard disc of the website visitor’s end device. Next time upon visiting the same website the visitor’s Web browser reads the cookie and supplies the information back to the website or element that originally has installed the cookie. Cookies pose absolutely no threat to the website visitor’s device.
Cookies are saved on users browser only as long as they're necessary to browse the website and/or to accomplish their intended goals (such as, advertising campaign data gathering and analysis), but not longer than the term, that is stated in the table below.
To improve the website functionality and facilitate its use and provide you with personalized offers (also in the form of advertisements) the following types of cookies are used on websites:
Strictly necessary cookies: These cookies are necessary for core functionality of the website, in other words, they are used in order to make website work. There can be two types of strictly necessary cookies (according to how long they are stored) - transient cookies, which are kept for as long as the website visitor keeps open the Web browser after securing an access to the website. Cookies remind to the website what the visitor has chosen on the previous page to avoid repeated input of information, mostly this refers to length of session. Strictly necessary cookies can be as well permanent or persistent, such cookies after visiting the website of Luminor as a random combination of figures are saved on the visitor’s end device. They identify the website visitor as a unique user and after their return to the website assist in recalling the information on the visitor and operations performed by the latter before. The cookie storage period on the visitor’s device will depend on the type of cookie.
Statistical cookies: These cookies Luminor is using to collect information about how visitors use Luminor website. Luminor collects information, for example, the number of visitors to the website and the pages they visited.
Marketing cookies: These cookies are used to provide Luminor website visitors with information about the most relevant products for them in the form of advertisements on other platforms, such as Facebook.com.
Not all cookies are provided by Luminor itself, some are provided by third parties, such as Google, Facebook and Hotjar to service ads and optimize the marketing communication. Third party advertisers use the cookies that are saved on the end device to assess the efficiency of ads and individualize the contents of commercials displayed to the website visitor. Information collected by the third party advertisers may include, for example, the data on geographic location (derived from the IP address).
You can read more about how these third‑parties use cookies and about their privacy policies here:
Necessary cookies that are saved automatically when visiting the website:
| Name | Provider | Description | Expires after | Purpose |
|---|---|---|---|---|
| has_js | Luminor Bank AS | Used to indicate whether or not the visitors browser has JavaScript enabled. | Session | Necessary to make the website work |
| cookie_compliance | Luminor Bank AS | Stores users cookie compliance status. | 3 months | Necessary to make the website work |
| chat‑open | Luminor Bank AS | Determines whether the live chat is open. | Session | Necessary to make the website work |
| chat‑submit | Luminor Bank AS | Determines whether the user has submitted a message in the live chat. | Session | Necessary to make the website work |
| TS******** | Luminor Bank AS | Luminor specific unique identifier for banking | Session | Necessary to make the website work |
| SSESS | Luminor Bank AS | Used to link a user to a session so that information about their visit can be stored on the server as they move from one page to the next. | 23 days | Necessary to make the website work |
| customer_type | Luminor Bank AS | Stores users selections in the website. | 1 year | Necessary to make the website work |
| webform‑XXXXX‑app | Luminor Bank AS | Required for WEB applications to handle authentication and other functionality. | Session | Necessary to make the website work |
| webform‑XXXXX | Luminor Bank AS | Required for WEB applications to handle authentication and other functionality. | 1 day | Necessary to make the website work |
| webform_auth_customer_type | Luminor Bank AS | Required for WEB applications to handle authentication and other functionality. | Session | Necessary to make the website work |
| clear‑webform‑data | Luminor Bank AS | Required for WEB applications to handle authentication and other functionality. | Session | Necessary to make the website work |
| webform_export_info | Luminor Bank AS | Required for WEB applications to handle authentication and other functionality. | Session | Necessary to make the website work |
| webform_data_submitted:XXXXX | Luminor Bank AS | Required for WEB applications to handle authentication and other functionality. | Session | Necessary to make the website work |
| Drupal.XXXXX | Luminor Bank AS | Drupal (WEB CMS) Specific cookies that are required, used for example handling admin user session. | 1 year | Necessary to make the website work |
| auction_user | Luminor Bank AS | Required for auction functionality to work. | Session | Necessary to make the website work |
| auction_logged_in | Luminor Bank AS | Required for auction functionality to work. | Session | Necessary to make the website work |
| authchat | Luminor Bank AS | Required cookies for live chatbot to work. | Session | Necessary to make the website work |
| authform_redirect | Luminor Bank AS | Required cookies for live chatbot to work. | Session | Necessary to make the website work |
| luminor_visitor | Luminor Bank AS | Used by one of the functionalities to determine if the user is a customer/visitor and show count of how many users are currently viewing the selected page. | 90 days | Necessary to make the website work |
| OptanonConsent | OneTrust, LLC | Stores users cookie preferences. | 1 year | Necessary to make the website work |
| OptanonAlertBoxClosed | OneTrust, LLC | Stores cookie banner status (open, closed) to ensure the user does not see the cookie banner again if they've already closed it. | 1 year | Necessary to make the website work |
Optional cookies that are only saved to the browser after the visitor gives his/her consent:
| Name | Provider | Description | Expires after | Purpose |
|---|---|---|---|---|
| NID | Google Inc. | Registers a unique ID that identifies a returning user's device. The ID is used for targeted ads. | 6 months | Marketing |
| _fbp | Facebook Inc | Tracks which pages users visit and stores this information for later usage. | 3 months | Marketing |
| _gcl_au | Google Inc. | Stores and tracks conversions. | 3 months | Marketing |
| _ga_********** | Google Inc. | Counts and tracks pageviews. | 2 years | Statistics |
| _gid | Google Inc. | Counts and tracks pageviews. | 1 day | Statistics |
| YSC | Google Inc. | ‘YSC’ is used by YouTube to remember user input and associate a user’s actions. This cookie lasts for as long as the user keeps their browser open. | Session | Marketing |
| _hjAbsoluteSessionInProgress | Hotjar Ltd | Stores unique visits. | Session | Statistics |
| _hjIncludedInSessionSample | Hotjar Ltd | Let’s system know that user is included in in the data sampling. | 30 minutes | Statistics |
| _hjTLDTest | Hotjar Ltd | Used to determine the most generic cookie path the system should use, instead of the page hostname. | Session | Statistics |
| _hjid | Hotjar Ltd | Stores a unique user id. | 1 year | Statistics |
Necessary cookies that are saved automatically when visiting the website:
| Name of cookie | Provider | Cookie purpose | Term |
|---|---|---|---|
| dnb1 | Luminor Bank AS | Technical, necessary to make the website work | 24 hours |
| dnb2 | Luminor Bank AS | Technical, necessary to make the website work | 24 hours |
| TS******** | Luminor Bank AS | Luminor specific unique identifier for banking; Necessary to make the website work | Session |
| Name of cookie | Provider | Cookie purpose | Term |
|---|---|---|---|
| cookie_compliance | Luminor Bank AS | To keep the flag for cookie policy acceptance by the customer | 90 days |
| lum1 | Luminor Bank AS | To identify users, who already confirmed login with personal code | 180 days |
If you want to limit (disallow) saving of cookies on your end devices or delete the saved cookies it can be performed by using the Web browser settings, but it could affect website functionalities.
You can also withdraw your consent through the cookie banner, by clicking here:
As Luminor is constantly working on improving and developing its websites, Luminor may change this Cookies policy from time to time. Website visitors are invited to regularly check the contents of this page to familiarize themselves with any updates or amendments to the cookies policy.
If you have any questions, please contact us: info@luminor.lv