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Privacy Policy
General Terms for Processing Personal Data

General Provisions
These general terms for processing personal data are established by Omega Laen AS. To provide the best possible service to clients and fulfill all contractual obligations, Omega Laen AS collects and stores information about clients and other individuals interacting with Omega Laen AS, following the principles outlined below.

Key Definitions

  • «Personal Data» means any information relating to an identified or identifiable natural person («Data Subject»); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, identification number, location data, online identifier, or one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person.
  • «Processing of Personal Data» refers to any operation or set of operations performed on personal data or 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.
  • «Data Controller» refers to a natural or legal person, public authority, agency, or other body that determines the purposes and means of processing personal data, either alone or jointly with others.
  • «Third Party» refers to a natural or legal person, public authority, agency, or body other than the Data Subject, the Data Controller, or persons authorized to process personal data under the direct authority of the Data Controller.
  • «Consent» means any freely given, specific, informed, and unambiguous indication of the Data Subject’s wishes by which they signify agreement to the processing of their personal data.

Principles for Processing and Storing Personal Data
The Data Controller is Omega Laen AS (Reg. No. 11691792), located at Tartu mnt 25, 10117 Tallinn, Estonia.
Omega Grupp AS operates under strict principles of confidentiality and data protection. Personal data is collected only to the extent necessary for the establishment and performance of contractual relationships and to ensure the best possible service.

Omega Grupp AS takes all necessary security measures to ensure the safe processing and storage of personal data. Employees and representatives of Omega Grupp AS are appropriately trained in data protection and adhere to strict confidentiality standards. Access to client data is granted only to authorized persons, including IT, accounting, marketing, and other service providers necessary to fulfill contractual obligations.

Purposes for Processing Personal Data
Omega Laen AS processes personal data for the following purposes:

  • Identification: Client or representative data, such as name, personal identification number, date of birth, nationality, and identity document details.
  • Communication: Contact information, including phone numbers, addresses, and email addresses, to provide information about financial services and offers.
  • Suitability Assessment: Financial information, assets, liabilities, and risk tolerance to determine the suitability of services for the client.
  • Credit Assessment: Income, assets, debts, payment behavior, and transaction history to assess creditworthiness.
  • Fraud Prevention: Data about the client’s activities, employer, business partners, and asset sources to prevent money laundering and terrorism financing.

Additionally, Omega Laen AS processes data for:

  • Service Evaluation: Reviewing service applications and making decisions regarding agreements.
  • Contract Management: Monitoring transactions, updating client data, and debt collection.
  • Quality Control: Conducting client satisfaction surveys.
  • Market Analysis: Statistical research and analysis of client groups and services.
  • Legal Compliance: Fulfilling legal obligations such as anti-money laundering and terrorism prevention measures.
  • Protecting Rights: Sharing data with legal consultants, courts, or arbitration bodies when necessary.

Omega Grupp AS ensures that personal data is only disclosed in cases where the client has explicitly requested data sharing or when required by law.

Retention of Personal Data
Omega Laen AS retains personal data for the duration of the contractual relationship and afterward, as long as required by legal obligations or legitimate interests, typically up to 7 years.

Amendments to Terms
Omega Laen AS reserves the right to amend these terms at its discretion. The current version is always available on the Omega Laen AS website at https://omegagrupp.eu/privacy-policy.

Contact Us
For any questions or complaints, please contact:
Email: info@omegalaen.ee
Phone: +372 6 777 888