Hereinafter you will find an account on application of cookies by Luminor Bank AS (hereinafter – Luminor) on its website.

Luminor is using cookies that are necessary to make the website work. You may disable these cookies by changing your web browser settings, but this may affect how the website functions. Additionally, with your consent Luminor may set optional cookies with the purpose to improve browsing experience and provide personalized offers including ads and offers on other websites. Luminor won't set optional cookies unless you enable them. Below you can find more detailed information about the cookies (both – necessary and optional) Luminor uses.

What are cookies and how they operate?

Cookies are small‑size files sent to the website visitor’s end device (e.g. computer, mobile telephone) by the visited websites. Cookies are saved in the file directory of the Web browser (e. g. Microsoft Edge, Google Chrome), on the hard disc of the website visitor’s end device. Next time upon visiting the same website the visitor’s Web browser reads the cookie and supplies the information back to the website or element that originally has installed the cookie. Cookies pose absolutely no threat to the website visitor’s device.

Cookies are saved on users browser only as long as they're necessary to browse the website and/or to accomplish their intended goals (such as, advertising campaign data gathering and analysis), but not longer than the term, that is stated in the table below.

What types of cookies are used by Luminor?

To improve the website functionality and facilitate its use and provide you with personalized offers (also in the form of advertisements) the following types of cookies are used on websites:

Strictly necessary cookies: These cookies are necessary for core functionality of the website, in other words, they are used in order to make website work. There can be two types of strictly necessary cookies (according to how long they are stored) - transient cookies, which are kept for as long as the website visitor keeps open the Web browser after securing an access to the website. Cookies remind to the website what the visitor has chosen on the previous page to avoid repeated input of information, mostly this refers to length of session. Strictly necessary cookies can be as well permanent or persistent, such cookies after visiting the website of Luminor as a random combination of figures are saved on the visitor’s end device. They identify the website visitor as a unique user and after their return to the website assist in recalling the information on the visitor and operations performed by the latter before. The cookie storage period on the visitor’s device will depend on the type of cookie.

Statistical cookies: These cookies Luminor is using to collect information about how visitors use Luminor website. Luminor collects information, for example, the number of visitors to the website and the pages they visited.

Marketing cookies: These cookies are used to provide Luminor website visitors with information about the most relevant products for them in the form of advertisements on other platforms, such as Facebook.com.
Not all cookies are provided by Luminor itself, some are provided by third‑parties, such as Google, Facebook and Hotjar to service ads and optimize the marketing communication. Third‑party advertisers use the cookies that are saved on the end device to assess the efficiency of ads and individualize the contents of commercials displayed to the website visitor. Information collected by the third‑party advertisers may include, for example, the data on geographic location (derived from the IP address).

You can read more about how these third parties use cookies and about their privacy policies here:
Googles overview of privacy and safeguarding data
Facebook Data policy
HotJar Privacy policy

What cookies may be stored in your end device when visiting https://luminor.lt?

Necessary cookies that are saved automatically when visiting the website luminor.lt:

Name Provider Description Expires after Purpose
has_js Luminor Bank Used to indicate whether or not the visitors browser has JavaScript enabled Session Necessary to make the website work
TS******** Luminor Bank Luminor specific unique identifier for banking Sesssion Necessary to make the website work
webform‑*****‑app Luminor Bank Required for WEB applications to handle authentication and other functionality Session Necessary to make the website work
OptanonConsent OneTrust LLC Stores users cookie preferences 1 year Necessary to make the website work
OptanonAlertBoxClosed OneTrust LLC Stores cookies banner status (open,closed) to ensure the user does not see the cookie banner again if they've already closed it. 1 year Necessary to make the website work
AEC Google Ensures that requests within a browsing session are made by the user, and not by other sites 1 year Necessary to make the website work
atlassian.xsrf.token Luminor Bank Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the website and visitor. Session Necessary to make the website work
AWSALB Optimizely Used to distribute traffic to the website on several servers in order to optimise response times. Session Necessary to make the website work
AWSALBCORS Optimizely Registers which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. Session Necessary to make the website work
CAKEPHP Luminor Bank Preserves users states across page requests. 8 days Necessary to make the website work
CookieConsent Luminor Bank Stores the user's cookie consent state for the current domain. 1 year Necessary to make the website work
esctx Luminor Bank This cookie is necessary for the login function on the website. Session Necessary to make the website work
History.store Luminor Bank Preserves the visitor's session state across page requests. Session Necessary to make the website work
stsservicecookie Luminor Bank Used in connection with the synchronisation between the website and third-party Data Management Platform. The cookie serves to monitor this process for security reasons. Session Necessary to make the website work
TS# Luminor Bank Used to ensure website security and fraud detection. Session Necessary to make the website work
x-ms-gateway-slice Luminor Bank Used in connection with the synchronisation between the website and third-party Data Management Platform. The cookie serves to monitor this process for security reasons. Session Necessary to make the website work
355c03 Luminor Bank Luminor specific unique identifier for banking Session Necessary to make the website work
esctx-# Luminor Bank It helps maintain the security and integrity of the user’s session by storing necessary context and state information, ensuring that users remain authenticated during their interaction with the service. Session Necessary to make the website work
AzureAppProxyAnalyticCookie_********** Luminor Bank The cookie helps in tracking usage, monitoring performance, and ensuring the security of applications. 1 day Necessary to make the website work
AzureAppProxyPreauthSessionCookie_********** Luminor Bank Cookie ensures that users remain authenticated and authorised while interacting with the application, helping to maintain the security and integrity of the session. 2 day Necessary to make the website work
TS01******** Luminor Bank Cookie ensures that user sessions remain consistent across multiple requests and helps protect against security threats. Session Necessary to make the website work
ASP.NET_SessionId Luminor Bank Cookie used to maintain an anonymised user session by the server. Session Necessary to make the website work
LoginLanguage Luminor Bank Cookie stores the user's language preference during login and throughout their session on a web application. Session Necessary to make the website work
stgo-V4_PROD_DMZ_SAXOTRADER_GO_LVE_81 Luminor Bank Cookie maintains the security and continuity of the user's session, ensuring that their trading activities are managed securely and efficiently. Session Necessary to make the website work
stgo-SSO_SIM_LOGIN_50201 Luminor Bank Cookie ensures that users can navigate the platform securely and seamlessly without the need for repeated logins. Session Necessary to make the website work
stgo-SSO_LIVE_LOGIN_50201 Luminor Bank Cookie ensures that users can securely log in and navigate the platform without interruption, maintaining the security and continuity of their session. Session Necessary to make the website work
brav Luminor Bank Cookie ensuring a seamless user experience to collecting data for improving the service. Session Necessary to make the website work
ai_user Luminor Bank This is a unique user identifier cookie enabling counting of the number of users accessing the application over time 1 year Necessary to make the website work
ARRAffinitySameSite Luminor Bank This cookie is set by websites run on the Windows Azure cloud platform. It is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session. Session Necessary to make the website work
ARRAffinity Luminor Bank This cookie is set by websites run on the Windows Azure cloud platform. It is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session. Session Necessary to make the website work
AWSALBCORS Luminor Bank This cookie is managed by AWS and is used for load balancing. 6 days Necessary to make the website work
AWSALB Luminor Bank AWS ELB application load balancer 6 days Necessary to make the website work
atlassian.xsrf.token Luminor Bank Atlassian xsrf cookie to prevent cross site request forgery for security purposes. Session Necessary to make the website work
JSESSIONID Luminor Bank General purpose platform session cookie, used by sites written in JSP Session Necessary to make the website work
cookietest Luminor Bank The cookie ensures that the website can function as intended by confirming the browser's ability to store cookies. Session Necessary to make the website work

Optional cookies that are only saved to the browser after the visitor gives his/her consent:

Name Provider Description Expires after Purpose
_fbp Facebook Inc. Tracks which pages users visit and stores this information for later usage. 3 months Marketing
_gcl_au Google Inc. Stores and tracks conversions. 3 months Marketing
_ga_********** Google Inc. Counts and tracks pageviews. 2 years Statistics
_gid Google Inc. This cookie is set It to store and update a unique value for each page visited 1 year Marketing
YSC Google Inc. YSC is used by Youtube to remember user input and associate a user's actions. This cookie lasts for as long as the user keeps their browser open. Session Marketing
_hjAbsoluteSessionInProgress Hotjar Ltd Stores unique visits Session Statistics
_hjIncludInSessionSample Hotjar Ltd Let's system know that user is included in in the data sampling 30 minutes Statistics
_hjTLDTest Hotjar Ltd Used to determine the most generic cookie path the system should use, instead of the page hostname. Session Statistics
esctx-********** Luminor Bank Cookie is used for tracking purposes. Session Marketing
buid Luminor Bank Tracks browser related information. Used for service telemetry and protection mechanisms. 30 days Statistics
fpc Luminor Bank Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 30 days Statistics
stsservicecookie Luminor Bank Cookie is used for tracking purposes. Session Marketing
IDE Google Inc. Ensures conversions and retargeting. 1 year Marketing
test_cookie Google Inc. This cookie is set by DoubleClick (which is owned by Google) to determine if the website visitor's browser supports cookies. 1 day Marketing
CONSENT Google Inc. It stores and preserves the user's consent preferences regarding data collection and processing, ensuring compliance with global privacy regulations 1 year Marketing
_fbc Facebook Inc. Cookie measuring the effectiveness of advertising campaigns and optimizing ad strategies based on user behavior after interacting with ads. 90 days Marketing
_rdt_uuid Reditt Used to track visitors on multiple websites, presenting relevant advertisements based on preferences. 90 days Marketing
partner-78e4460d Smart Ad Cookie serves various roles, such as tracking referrals, managing partner-specific sessions, handling data associated with a SmartAd integration. 1 year Marketing
TESTCOOKIESENABLED Youtube YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. 1 year Marketing
VISITOR_INFO1_LIVE Youtube Enables personalized recommendations on YouTube based on past views and searches. 180 days Marketing
VISITOR_PRIVACY_METADATA Youtube YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. 180 days Marketing
optimizelyOptOut Optimizely Stores a boolean indicating whether the visitor has opted out of participating in Optimizely Experimentation powered experimentation. Session Statistics
_gcl**** Google Inc. Google conversion tracking cookie 90 days Statistics
_hjIncludedInPageviewSample Hotjar Ltd A cookie is an analytics cookie used by Hotjar to decide if a particular user’s pageview should be included in the sample data collected for website performance and user behaviour analysis. 1 year Statistics
_hjIncludeInSessionSample Hotjar Ltd This cookie is set to let Hotjar know whether that visitor is included in the data sampling defined by Luminor site's daily session limit. 1 year Statistics
_hjSession_********** Hotjar Ltd Collects statistics on the visitor's visits, such as the number of visits and average time spent. 1 day Statistics
_hjSessionUser_*********** Hotjar Ltd Collects statistics on the visitor's visits, such as the number of visits and average time spent. 1 year Statistics
ai_session Luminor Bank The cookie is to set track and manage individual user sessions. Session Statistics
AWSELB Optimizely Collect performance and product usage telemetry Session Statistics
AWSELBCORS Optimizely Collect performance and product usage telemetry Session Statistics
optimizelyRumLB Optimizely Collect performance and product usage telemetry Session Statistics
_hjFirstSeen Hotjar Ltd Identifies a new user's first session on a website, indicating whether or not Hotjar's seeing this user for the first time. Session Statistics
optimizelyDomainTestCookie Optimizely Tracks the conversion rate between the user and the advertisement banners on the website to optimize relevance. 180 days Statistics
optimizelyEndUserId Optimizely Stores a visitor's unique Optimizely Experimentation identifier. 180 days Statistics
_ga Google Inc. Used to send data to Google Analytics about the visitor's device and behavior; tracks the visitor across devices and marketing channels. 2 years Statistics
_gat_UA- Google Inc. This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to. 3 months Statistics
_gat_UA-******-* Google Inc. Cookie used to throttle the request rate, ensuring that data is collected efficiently without overloading Google's servers or affecting website performance. Session Statistics
hjActiveViewportIds Hotjar Ltd Used to determine the most generic cookie path the system should use, instead of the page hostname. Session Statistics
hjViewportId Hotjar Ltd Saves the user's screen size to adjust image sizes on the website. Session Statistics
https://#_oeu#.#$$event_queue Optimizely Stores event instances that are waiting to be added to the previous ...$$events key. 1 year Statistics
https://#_oeu#.#$$layer_states Optimizely Stores bucketing decision (variation and holdback assignment) for each layer in Optimizely Web Experimentation and Optimizely Personalization. 1 year Statistics
https://#_oeu#.#$$session_state Optimizely Tracks the session identifier and timestamp, which helps Optimizely Experimentation identify sessions for analytics purposes. 1 year Statistics
https://#_oeu#.#$$tracker_optimizely Optimizely Temporarily stores the events that are sent in batches to the Optimizely Experimentation Event API. 1 year Statistics
https://#_oeu#.#$$variation_map Optimizely Records the variation that the visitor sees for each experiment. This lets Optimizely deliver a consistent experience on successive page loads. 1 year Statistics
https://#_oeu#.#$$visitor_profile Optimizely Stores the visitor's values for various audience conditions. This is important for sticky conditions like Ad Campaign, Source Type, and Referrer, for which the first observed value is important. 1 year Statistics
https://luminor.lv_pending_events Optimizely Temporarily stores XMLHttpRequest information, enabling the snippet to reliably send requests (for instance, to the Event API) even if the visitor navigates to a new page while a request is in progress. 1 year Statistics
optimizely_data$$pending_events Optimizely Set to conduct split-tests on the website, optimizing relevance towards the visitor. 1 year Statistics
__Secure-ENID Google Inc. Used by Google to remember your preferences and other information. 1 year Statistics
lastExternalReferrer Facebook Inc. Detects how the user reached the website by registering their last URL address. 1 year Marketing
lastExternalReferrerTime Facebook Inc. Detects how the user reached the website by registering their last URL address. 1 year Marketing
fr Facebook Inc. Used to deliver, measure and improve the relevancy of ads 3 months Marketing
pagead/1p-conversion/#/ Google Inc. Collects data on visitor behaviour from multiple websites, in order to present more relevant advertisement - This also allows the website to limit the number of times that they are shown the same advertisement.. Session Marketing
pagead/1p-user-list/# Google Inc. Tracks if the user has shown interest in specific products or events across multiple websites and detects how the user navigates between sites. This is used for measurement of advertisement efforts and facilitates payment of referral-fees between websites Session Marketing
rp.gif Reddit Necessary for the implementation of the Reddit.com share-button function. Session Marketing

What cookies may be stored in your end device when visiting https://ib.luminor.lt?

Necessary cookies that are saved automatically when visiting the website ib.luminor.lt:

Name  Provider Description Expires after Purpose
nordAType Luminor Bank Cookie helps customize the user experience based on session or service type and could also be used for tracking user behavior within the platform. 90 days Necessary to make the website work
iNORDmenu Luminor Bank This cookie is essential for maintaining a consistent navigation experience across sessions.  Session Necessary to make the website work
TS01******** Luminor Bank Cookie ensures that user sessions remain consistent across multiple requests and helps protect against security threats. Session Necessary to make the website work
cookie_compliance Luminor Bank Stores users cookie preferences. 1 year Necessary to make the website work
inordlang Luminor Bank It ensures that content is presented in the user's preferred language, providing a more personalized experience and enhancing usability. Session Necessary to make the website work
iNORDSess Luminor Bank Cookie ensures that users remain logged in, their interactions are secure, and they can navigate the site without interruptions Session Necessary to make the website work
BanktronLanguage_*** Luminor Bank This cookie focused on enhancing the platform's usability. 1 year Necessary to make the website work
P_PostedData Luminor Bank Cookie maintain session continuity, process information, and improve the user experience, especially in multi-step processes. Session Necessary to make the website work
PersonCode_0 Luminor Bank Cookie maintain session continuity, enabling personalized content or access rights based on the user’s profile. 1 year Necessary to make the website work
iNORDlettersCount Luminor Bank Cookie tracking user interactions, managing input limits, analyzing user engagement. 1 year Necessary to make the website work
iNORDwp Luminor Bank Cookie providing personalized and seamless functionality, in environments that require user authentication or preferences management. 1 year Necessary to make the website work
bAntiForgeryToken Luminor Bank Cookie is critical for maintaining secure operations in web applications, especially those involving sensitive actions like form submissions or transactions. Session Necessary to make the website work
iNORDprintoutCount Luminor Bank Cookie monitor user interaction with the print feature, potentially for analytics, limiting, or feature optimization purposes. 1 day Necessary to make the website work

What cookies may be stored in your end device when visiting https://luminorcareers.lt?

Necessary cookies that are saved automatically when visiting the website https://luminorcareers.lt:

Name  Provider Description Expires after Purpose
CookieConsent Luminor Bank Stores the user's cookie consent state for the current domain.  1 year Necessary to make the website work
OptanonAlertBoxClosed OneTrust LLC Stores cookies banner status (open,closed) to ensure the user does not see the cookie banner again if they've already closed it.  1 year Necessary to make the website work
october_session Luminor Bank Cookie is keeping users logged in, preserving state across page loads, and ensuring smooth website interactions. 1 day Necessary to make the website work
OptanonConsent OneTrust LLC Stores users cookie preferences 1 year Necessary to make the website work
nevercache-b****** Luminor Bank Cookie maintains session integrity and ensures that users always see up-to-date information. 1 day Necessary to make the website work
_I_ Luminor Bank Cookie is generally used to enhance user experience by preserving session data or preferences. 29 day Necessary to make the website work

Optional cookies that are only saved to the browser after the visitor gives his/her consent:

Name  Provider Description Expires after Purpose
_ga Google Inc.  Used to send data to Google Analytics about the visitor's device and behavior; tracks the visitor across devices and marketing channels. 400 days Statistics
_ga_********** Google Inc.  Counts and tracks pageviews.  400 days Statistics

What cookies may be stored in your end device when visiting https://developer.luminoropenbanking.com?

https://developer.luminoropenbanking.com

Name  Provider Description Expires after Purpose
_ga Google Inc. Used to send data to Google Analytics about the visitor's device and behavior; tracks the visitor across devices and marketing channels. 365 days Statistical 
_ga_******** Google Inc.  Counts and tracks pageviews.  365 days Statistical 
_gat_gtaf_UA_***** Google Inc. It is used to store a unique ID.  Session Statistical 
_gid Google Inc.  This cookie is set to store and update a unique value for each page visited.  1 day Statistical 
34e703 Luminor Bank Luminor specific unique identifier for banking.  Session Strictly Necessary 
auth_verify_smartid Luminor Bank It ensures that users are securely authenticated and that their session remains valid throughout their interaction with the service. Session Strictly Necessary 

What cookies may be stored in your end device when visiting https://tradergo.luminorgroup.com?

https://tradergo.luminorgroup.com/

Name  Provider Description Expires after Purpose
OptanonAlertBoxClosed OneTrust LLC Stores cookies banner status (open,closed) to ensure the user does not see the cookie banner again if they've already closed it.  1 year Strictly Necessary 
OptanonConsent OneTrust LLC Stores users cookie preferences. 1 year Strictly Necessary 
ASP.NET_SessionId Luminor Bank Cookie used to maintain an anonymised user session by the server. Session Strictly Necessary 
stgo-SSO_LIVE_LOGIN_50201 Luminor Bank Cookie ensures that users can securely log in and navigate the platform without interruption, maintaining the security and continuity of their session. Session Strictly Necessary 
stgo-V4_PROD_DMZ_SAXOTRADER_GO_LVE_81 Luminor Bank Cookie maintains the security and continuity of the user's session, ensuring that their trading activities are managed securely and efficiently. Session Strictly Necessary 

What cookies may be stored in your end device when visiting https://portfolio.luminorgroup.com?

https://portfolio.luminorgroup.com/

Name  Provider Description Expires after Purpose
OptanonAlertBoxClosed OneTrust LLC Stores cookies banner status (open,closed) to ensure the user does not see the cookie banner again if they've already closed it.  1 year Strictly Necessary 
OptanonConsent OneTrust LLC Stores users cookie preferences. 1 year Strictly Necessary 
ASP.NET_SessionId Luminor Bank Cookie used to maintain an anonymised user session by the server. Session Strictly Necessary 

What cookies may be stored in your end device when visiting https://investor.luminorgroup.com?

https://investor.luminorgroup.com/

Name  Provider Description Expires after Purpose
OptanonAlertBoxClosed OneTrust LLC Stores cookies banner status (open,closed) to ensure the user does not see the cookie banner again if they've already closed it.  1 year Strictly Necessary 
OptanonConsent OneTrust LLC Stores users cookie preferences. 1 year Strictly Necessary 
ASP.NET_SessionId Luminor Bank Cookie used to maintain an anonymised user session by the server. Session Strictly Necessary 
stgo-SSO_LIVE_LOGIN_50201 Luminor Bank Cookie ensures that users can securely log in and navigate the platform without interruption, maintaining the security and continuity of their session. Session Strictly Necessary 
stgo-V4_PROD_DMZ_SAXOTRADER_GO_LVE_81 Luminor Bank Cookie maintains the security and continuity of the user's session, ensuring that their trading activities are managed securely and efficiently. Session Strictly Necessary 

How to cut back the saving of cookies or remove the cookies from the end device?

If you want to limit (disallow) saving of cookies on your end devices or delete the saved cookies it can be performed by using the Web browser settings, but it could affect website functionalities.

You can also withdraw your consent through the cookie banner, by clicking here:

Manage Cookie Settings

Changes in information

As Luminor is constantly working on improving and developing its websites, Luminor may change this Cookies policy from time to time. Website visitors are invited to regularly check the contents of this page to familiarize themselves with any updates or amendments to the cookies policy.

If you have any questions, please contact us: info@luminor.lt