Luminor has following legitimate interests to process your Personal Data (list is not exhaustive and can be updated from time to time without prior notice):
- Improvement and development of Luminor’s Services or channels through which customers are served.
- Conducting market research and business data analytics in order to prepare more relevant offers to customers.
- Advertising of Luminor services (including branding, direct marketing, opinion polls, satisfaction surveys, Customer events, etc). We may also analyse social media activity related to our services and monitor the use of our own social media channels to review the effectiveness of our marketing programs.
- Verifying the accuracy of data that we hold about you.
- Administration of Luminor website, website visitor analysis for site improvements and for internal operations, including troubleshooting, testing, statistical purposes.
- Ensuring network and information security, continuously improving Luminor’s IT systems and databases landscape, including testing (where due to nature of system it’s impossible to use scrambled data).
- Fraud/crime prevention.
- Enforcement or protection of Luminor’s contractual or other legal rights, including determining/verifying representation rights.
- Enforcement of Luminor rights while collecting outstanding debts.
- Communicating with Customers or Third parties, including management of queries, complaints, or claims.
- Provide joint offers with our cooperation partners (for example leasing offer together with proposal from car vendor, mortgage loan proposal with home insurance proposal etc.).
- For payable interest calculations in order to propose Customers more attractive pricing (where under cooperation agreement with car dealers or car manufacturers they agree to compensate Luminor difference between standard market interest and actual promotional rate applied to Customer).
- Corporate restructuring, re‑organisation or sale of Luminor business or assets or other similar activities.
- Ensure continuity of financial services (this includes fund raising, rating our business operations, liquidity management and other similar activities).
- Evaluation and improvement of insurance intermediation activities.
- Control over the fulfillment of obligations to insure pledged or leased property.
- Providing a cash delivery to a private customer.
