Cookies Policy

BluOr Bank AS (hereinafter referred to as the Bank) uses cookies on its website www.bluorbank.lv. A cookie is a small text file that a website stores on your computer or mobile device when you open the website.

Cookies are stored in the file directory of the Internet browser (e.g., Internet Explorer, Chrome, Firefox, Opera) on the hard disk of the website visitor’s end device.

The next time that the same website is visited, the browser reads the cookie from its storage and sends information back to the website that provided the cookie initially. Cookies present no threat to the website visitor’s computer.

When visiting the www.bluorbank.lv website for the first time, a visitor is invited to choose which cookies they agree to be stored on their device and used further in accordance with this Cookie Policy. At any time, the user is entitled to revoke their choice by visiting this page and changing the cookie settings.

How do we use the cookies? 

Our website uses cookies to simplify user interactions. Information received through cookies generally does not identify you as a particular person and allows to provide a personalized experience in your interactions with the website, such as saving your choice of language, so that next time you don’t have to choose it again, etc. Cookies allow our servers to recognize your preferences when you access a page, automatically adjusting the content to suit your needs. Cookies help us find out what our visitors want to see. They also provide us with anonymous usage statistics to evaluate and improve website performance.

The Bank uses the following types of cookies in order to improve the functionality of www.bluorbank.lv and simplify its usage:

• Session cookies – temporary cookies deleted when you close your browser. Session cookies allow the website to remember your selections on a previous page, so that you never have to re-enter information;

• Persistent cookies – these cookies are saved on the visiting end-user’s device with a randomly-generated number after leaving the Bank’s website. They remain in use until they expire or are deleted intentionally (depending on the period of time for which they are programmed to persist). They can be used to identify whether you are a frequent user to our website, adapt our content to you, or collect anonymous statistics;

• First-party cookies, or tracking cookies – cookies stored by the exact website that the user visits. It allows the website to assign a unique identifier to the user, saving the cookie in the user’s browser or device storage, tracking the user’s journey within the website;

• Third-party cookies – the Bank relies on cookies provided by third parties, such as Meta (previously – Facebook), to serve ads and optimize marketing communications. Third party advertisers use cookies stored on an end-user’s device in order to evaluate the effectiveness of their ads and adapt the content of current ads to better suit the user. Information collected by third party advertisers may include such data as geolocation data (derived from an IP address). The Bank also uses Google cookies to obtain anonymous information about the visitor’s actions on the website (e.g., the page visited, the date and time of the visit, etc.), which is used for statistics and analysis in accordance with the specified purposes. By agreeing to these cookies, you agree that the information may be transferred to third countries where the level of protection of personal data may not be appropriate (i.e. to a country that is not a party to the EEA Agreement and which has not been included by the European Commission in the list of countries providing an appropriate level of personal data protection).

Below is a list of all groups of cookies used on the Bank’s website. When you start using our website, you can choose which group of cookies you allow to use. Changes can also be made while using the website – you can always modify your previous choices. To do this, click on the “Edit cookie settings” button and enable/disable the necessary group of cookies. Please note that mandatory cookies cannot be rejected, because the website’s full use is not possible without them.

Cookies used on the Bank’s website

Monitoring and deleting cookies

In addition to the cookies used on the Bank’s website, some cookies may be placed on the user’s device by a third party that is not affiliated with the Bank, and such cookies are called third-party cookies and they are outside the Bank’s control. You can find out more about these cookies by visiting the respective third party’s website. You can keep track of these cookies on your device and delete them if you wish. To find out more, please go to aboutcookies.org.uk. You can delete all cookies from your computer or mobile device, and most browsers can be configured to block the placing of cookies on your device.

Updates

In case of any changes (such as starting to use new cookies), the website visitor will be invited to review the information on the cookies once again and to choose which cookies they agree or disagree to be used.