Privacy Policy

Of Nordigen’s website and services

Updated 01/12/2020

This privacy policy will explain how Nordigen uses the personal data we collect from You once you access or use website www.nordigen.com and services available on this website and all related subdomains, including dash.nordigen.com (Nordigen Dashboard) and ob.nordigen.com (Nordigen Open Banking Portal) (all together hereinafter referred to as the Services).

Services are provided by SIA "Nordigen Solutions", a private limited liability company registered under the laws of the Republic of Latvia, company registry code 40103982535 (hereinafter referred to as Nordigen, we or us). Nordigen is committed to protect your personal data and to respect your privacy. By accessing and using the Services You agree to the data processing practices described in this Privacy Policy.
Applicable data privacy laws means the 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 (General Data Protection Regulation) (hereinafter referred to as the GDPR ) or any national or internationally binding data privacy laws or regulations that may be applicable at any time during the term of this Privacy Policy.

Data Controller means the natural or legal entity/entities whichdetermines the purposes and means of the processing of Personal Data;

Data Processor means the legal entity processing Personal Data on behalf of the Data Controller(s);

Personal Data means any information relating to an identified or identifiable natural person;

Processing means any operation or set of operations which is performed on Personal Data or on 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, restriction, erasure or destruction.

Services means Nordigen website, Nordigen Dashboard and Nordigen Open Banking Portal.

Sub-processor means a third party subcontractor engaged by the Data Processor which, as part of the subcontractor's role of delivering the services, will process Personal Data on behalf of the Data Controller.

You or User means You or the legal entity You represent.

Account Information means information relating to payment accounts.

Account Information Service means a service which enables to access, view or share (where relevant) information relating to payment accounts.

Nordigen Partner means a third party, for example bank, credit institution or other service provider, which requires Account Information to provide You services.

This Privacy Policy applies when You visit Nordigen’s website or access and use the Services.

This Privacy Policy does not apply to third party service integrations that may be available within the Services or website, nor to services provided to You by Nordigen’s Partner. Such services may be subject to Nordigen’s Partner terms and conditions and privacy policies.

Nordigen collects information You voluntarily provide us with by using the Services, data we obtain from providing Account Information Services and data we obtain from Cookies. When You register an account - we collect only mandatory account data:

  • Email address

Nordigen might also ask you to provide some optional data:

  • First name
  • Last name
  • Phone number
  • Company name
  • Address
  • City
  • Country
  • Postal Code

When You use the Services, upload financial data or You access Your Account Information via Account Information Service, we receive and process financial data including but not limited to:

  • Name, Surname
  • Date of birth
  • Contact information (email, phone number), address
  • Personal identification number, social security number
  • Bank account information – account type, account number (IBAN, SWIFT), currency
  • Bank account records (transaction date, amount and/or payment recipient/sender, transaction details, current balance, available balance);
  • Information on loans, credits and other financial products
  • Other financial information derived from Your account
  • Other information (Information about Your browser - user agent, browser signature, geographic location, IP address, date and time when the service was used, language in which the service was used)

Nordigen may also process other data You have provided to us.

Nordigen may also make anonymized data based on Personal and non-Personal Data collected from You or through Your use of the Services, and combine such anonymized data with that of other Users in order to make anonymized aggregate data. Anonymized data and anonymized aggregate data are not Personal Data, and consequently the provisions of this privacy policy are not applicable to such data.

Nordigen collects Your data to provide You Services pursuant to Terms and Conditions of Nordigen services (to fulfill contract between Nordigen and You), to fulfil Nordigen’s legal obligations and for various business purposes and legitimate interests of Nordigen, specifically:

  • to provide, administer, protect and improve the Services;
  • to carry out support (including customer support), maintenance and other operational services as well as in order to derive statistical models for future data enrichment purposes;
  • to improve the performance and accuracy of the Services;
  • to transfer and provide access to Account Information after performing Account Information Service which may include normalization of financial data for consistent storage and display purposes, enrichment (categorisation), statistics calculation and insights generation, changing data formats;
  • improve Your experience while using the Services;
  • to handle and process inquiries submitted by the Users and visitors of the website;
  • to investigate any fraud, illegal activity or wrongdoing in connection with the Services;
  • to send Users and website visitors relevant informational content regarding Services and personalized offers they subscribed to;
Information on how Nordigen uses cookies or similar tracking technologies is described below.
All Personal Data in electronic format (e-mail address, financial data, etc) are stored and processed on cloud based servers. For cloud computing, data storage and service hosting services Nordigen has engaged a sub-processor - Amazon Web Services EMEA SARL, registered address 5 rue Plaetis, L-2338, Luxembourg, with data centres located in Dublin, Ireland (European Union).

Nordigen only keeps Your personal data for the time necessary to fulfil the purpose of collection or further processing, namely providing the required Services. You can request to delete Your account and the personal data You have provided to Nordigen if you wish to, by sending an e-mail to: legal@nordigen.com. Upon expiry of the Terms and Conditions of Nordigen services and this Privacy Policy, Nordigen shall delete all Personal Data. In case of inactivity for more than three years Nordigen may delete Your account at its sole discretion.

In order to protect Your Personal Data, Nordigen has put in place a number of technical and organisational measures. Technical measures include appropriate actions to address online security, risk of data loss, alteration of data or unauthorised access, taking into consideration the risk presented by the processing and the nature of the Personal Data being processed. Organisational measures include restricting access to the personal data solely to authorised persons under confidentiality agreements with a legitimate need to process personal data for the processing purposes stated in this policy.

Nordigen would like to make sure You are fully aware of Your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request Nordigen for copies of Your personal data.
The right to rectification – You have the right to request that Nordigen correct any information You believe is inaccurate. You also have the right to request Nordigen to complete information You believe is incomplete.
The right to erasure – You have the right to request that Nordigen erase Your personal data.
The right to restrict processing – You have the right to request that Nordigen restrict the processing of Your personal data.
The right to data portability – You have the right to request that Nordigen transfer the data that Nordigen has collected to another organization or directly to You.

If You make a request, Nordigen will answer You within one month. If You would like to exercise any of these rights, please contact us at our email: legal@nordigen.com.

In case of requests that are manifestly unfounded or excessive, in particular because of their repetitive character, Nordigen is entitled to charge an administrative fee. In such cases You will be notified thereof beforehand.

Cookies are text files placed on Your computer or browser to collect standard internet log information and website visitor behaviour information. When you visit website or access and use the Services, Nordigen may collect information from You automatically through cookies or similar tracking technology (pixels, etc.). Cookies can enable Nordigen to track and target the interests of Users to enhance their experience on website or while using the Services.

We collect information through cookies for following purposes:

The cookies we use may be operated by us or by third parties. We collect information through the following categories of cookies for the following purposes:

CategoryPurpose
EssentialFor our Website and the Srvices to function properly
PreferencesTo remember Your settings and preferences, such as language and location
AnalyticsWe use these cookies to better understand how You interact with our website and the Services provided on the Website so that we can improve them. We may use these cookies to determine if You have interacted with certain content or features. We can also use these cookies to learn more about which features are the most popular with our users and where we may need to make improvements.
AdvertisingWe and our trusted advertising partners use these cookies to display advertisements, to make advertisements more relevant to visitors of our Website, and to track the efficiency of any advertising campaigns on our Websites.

Usage of cookies is no way linked to any personally identifiable information provided by You while using the Services. The cookies and other similar technologies Nordigen use may be operated by Nordigen itself or by third parties.

You may also choose whether to accept Cookies. However, Cookies can be an important part of the Services and Your experience using our website and the Services. If You remove or reject cookies, this could affect the availability and functionality of our website and the Services. Some ways You can control, or limit cookies used on our website and the Services:

  • Although most browsers and devices accept cookies by default, you can usually manage settings to remove or reject browser cookies manually within your browser’s configuration settings. Please note that if you remove or reject cookies some of the features of our website may not function properly;
  • To prevent Your data from being used by Google Analytics, you can install Google’s opt-out browser add-on;
  • For information on online behavioral advertising how our advertising partners may allow You to opt out of receiving ads based on Your web browsing history, please visit https://youronlinechoices.com.
Your personal data may be disclosed if it is required by the Applicable data privacy laws or competent authority in order to fulfill Nordigen's legal obligations.

Nordigen may also provide personal data to companies that process personal data on behalf of Nordigen such as marketing service providers. Nordigen will be responsible for the correct processing of Your personal data.

Your personal data will not be transferred or stored in countries outside of the European Economic Area / European Union unless there are legal grounds for such transfer exist and there is an adequate level of protection.

Nordigen keeps this privacy policy under regular review and places any updates on this web page. Nordigen will inform You about any changes to this privacy policy. Nordigen has the right to change this privacy policy solely at any time. You will be asked to accept any changes made to this privacy policy. If You do not accept the changed privacy policy Nordigen has the right to terminate the Agreement (Terms and Conditions of Nordigen services) with You and close Your account.
How to contact us?

If You have any questions about this privacy policy, the data Nordigen holds on You, or You would like to exercise one of Your data protection rights, please do not hesitate to contact us.

E-mail: legal@nordigen.com

Address: Ģertrūdes str. 44A, Riga, Latvia, LV-1011

How to contact the appropriate authority?

Should You wish to report a complaint or if You feel that Nordigen has not addressed Your concern in a satisfactory manner, You may contact the Data State Inspectorate of the Republic of Latvia.

E-mail: info@dvi.gov.lv

Phone: +371 67223131

Get started now!

No trial period. No credit card. Free forever.