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Customer's consent to the processing of personal data


1.1. Customer shall mean a natural person who signed this consent, being a manager or shareholder of the legal entity that uses or intends to use the products offered by the Lender.

1.2. Lender shall mean “Saldo Bank” UAB, company number 305334925, office address: Žalgirio g. 94-1, Vilnius, Lithuania.

1.3. Consent shall mean this consent of the Customer regarding the processing of personal data.

1.4. Third Party shall mean a person other than the Customer or the Lender.


2.1 The Lender processes the Customer's personal data for the following purposes:

2.1.1. for the Lender to make sure that the Customer has the right to apply to the Lender on behalf of the legal entity for the receipt of the products offered by the Lender and is the manager and (or) shareholder of the legal entity on which behalf the Customer applies;

2.1.2. for proper assessment of creditworthiness. The personal data of the Customer may be processed during the assessment of the application of the legal entity, where the Customer is its manager and (or) shareholder, for the conclusion of a credit agreement. When assessing the creditworthiness of a legal entity and making a decision on concluding a credit agreement, it may be necessary to check the reliability and solvency of the Customer as a surety for the obligations of the legal entity.


3.1 The Lender undertakes to process only those personal data of the Customer which the Lender has learned from the Customer in communication with the Customer and those which have been obtained from the following sources:

3.1.1. from credit institutions;

3.1.2. from the State Social Insurance Fund Board under the Ministry of Social Security and Labour of the Republic of Lithuania;

3.1.3. from public registers: the Population Register, the Property Seizure Acts Register;

3.1.4. from “Scorify” UAB (company number: 302423183, address: Olimpiečių 1A-24, Vilnius, Lithuania);

3.1.5. from “Creditinfo Lietuva” UAB (company number: 111689163, address: A. Goštauto g. 40A, Vilnius, Lithuania);

3.1.6. from the state supervisory authorities;

3.1.7. from independent credit intermediation companies;

3.2 The Lender processes the following personal data:

3.2.1. data concerning the person (the name, surname, date of birth, personal identification number, job title of the Customer);

3.2.2. data related to the identification of the person (the identity document number and date of validity, a copy of the identity document, the date and method of identification, IP address used for identification, the video record, the date of making the video or taking the picture (photo);

3.2.3. contact information (the telephone number, the declared and actual place of residence (address), e-mail).

3.2.4. data on marital status (the marital status, number of minor children);

3.2.5. data related to payments (account and (or) payment card numbers, the unique text of the payment purpose (details), payment type, payment date, payment document number, unique transaction archive number, customer code in the payee’s information system, currency equivalent);

3.2.6. data related to creditworthiness assessment and debt administration (the Customer’s family income, type of income, assets, financial liabilities to financial institutions or other persons, credit rating, information on delays in fulfilling current or past financial obligations, credit history, information about current and former employers, employment and dismissals, the business (economic) or individual activities (acting as a private contractor), received and granted permanent and single social benefits, circumstances that may affect economic or financial situation of the Customer or the ability to repay the loan and (or) pay its cost as a surety, other significant circumstances related to the Customer’s financial position or ability to properly perform obligations).


4.1 In accordance with the requirements established by legal acts, the Lender may transfer personal data to the following entities:

4.1.1. other companies that belong to the same group as the Lender;

4.1.2. banks, credit and financial institutions that provide financial services, “Scorify” UAB, “Creditinfo Lietuva” UAB and the Bank of Lithuania.

4.2. The Lender shall provide personal data of the Customer only to the extent necessary to achieve the purposes listed in Section 3 of this Consent.


5.1. The Customer has the right at any time to obtain information about his/her personal data and the purposes for which they are processed, to request the rectification of incorrect data, as well as to receive information about the data used to assess creditworthiness of the Customer. The Customer has the right to demand that the Lender terminates the processing of the Customer’s data, except in cases when the processing of data is mandatory by laws.

5.2. The Customer has the right to inform the Lender at any time that the Customer does not wish to receive personal offers and advertising. Information on how to unsubscribe from offers and advertising is provided in the specific offer and (or) advertisement. General or introductory information about products and services offered by “Saldo Bank” UAB is not considered a personal offer or advertisement.

5.3. The Customer has the right to request information from the Lender about the processing of the Customer’s personal data by submitting a request to the following contacts: “Saldo Bank” UAB (company number 305334925, address: Žalgirio g. 94-1, Vilnius, Lithuania) or e-mail: The Lender undertakes to provide the Customer with information no later than within 30 calendar days from the receipt of the Customer’s request.

5.4. If the Customer believes that the Lender has infringed the Customer’s rights in processing his/her personal data, the Customer has the right to contact the Lender at any time with a request to eliminate the infringement.

5.5. The Customer has the right to contact the State Data Protection Inspectorate or the competent Lithuanian court at any time for the defence of the infringed rights of the Customer.


6.1. The Customer confirms having read the provisions of this Consent.

6.2. The Customer confirms that the provisions of this Consent are clear and understandable to him/her.

6.3. The Customer agrees that the Lender will process its personal data to the extent and for the purposes specified in this Consent.

6.4. The Consent shall expire after 10 years from the end of the business relationship.

6.5. The Customer confirms having read that withdrawing of the consent has no effect on lawfulness of the consent-based personal data processing carried out prior to its withdrawal.