Atera-Home | Smart Financial Solutions for Modern Living

Information We Collect

Personal Information You Provide

When you create an account with Atera-Home or use our financial services, we collect information you voluntarily provide to us. This includes your name, email address, phone number, mailing address, date of birth, social insurance number, employment information, and financial details necessary to provide our cost-effective financial solutions.

We also collect information when you communicate with us through customer service, participate in surveys, or provide feedback about our services. This helps us improve our platform and better serve your financial needs.

Information Collected Automatically

When you visit our website or use our mobile application, we automatically collect certain technical information. This includes your IP address, browser type, operating system, device identifiers, pages you visit, time spent on our platform, and your general geographic location.

We use cookies and similar tracking technologies to enhance your experience, remember your preferences, and analyze how you interact with our services. You can control cookie settings through your browser preferences.

Financial and Transaction Data

To provide our financial services, we collect and process information about your financial accounts, transaction history, credit information, income verification, and other financial data necessary to assess your eligibility for our cost-effective solutions and manage your account effectively.

Data Category	Examples	Purpose
Identity Information	Name, address, phone, email, SIN	Account creation and verification
Financial Data	Income, expenses, credit history, bank details	Service eligibility and risk assessment
Usage Information	Login times, feature usage, preferences	Service improvement and personalization

How We Use Your Information

We use the information we collect to provide, maintain, and improve our financial services. This includes processing your applications, managing your account, providing customer support, and developing new features that enhance your experience with our cost-effective financial solutions.

Process applications and transactions for our financial services
Verify your identity and prevent fraud or unauthorized access
Provide customer support and respond to your inquiries
Send important account notifications and service updates
Analyze usage patterns to improve our platform and services
Comply with legal obligations and regulatory requirements
Develop new products and features that meet your financial needs
Conduct risk assessments and credit evaluations

Marketing Communications

With your consent, we may send you promotional emails about new services, special offers, or educational content related to personal finance. You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.

We never sell your personal information to third parties for their marketing purposes. Any marketing communications you receive come directly from Atera-Home and are related to our financial services.

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. However, we may share your information in specific circumstances that are necessary to provide our services or as required by law.

Service Providers and Partners

We work with trusted third-party service providers who help us operate our platform and deliver our financial services. These partners include payment processors, identity verification services, credit reporting agencies, and technology providers. All service providers are contractually required to protect your information and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by law, such as in response to a court order, subpoena, or government investigation. We may also share information to protect the rights, property, or safety of Atera-Home, our users, or the public, including fraud prevention and security purposes.

Before sharing your information with any third party, we ensure they have appropriate security measures in place and agree to handle your data in accordance with applicable privacy laws and our privacy standards.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the acquiring company. We will notify you of any such transfer and ensure your information continues to be protected under this privacy policy or a similar privacy policy.

Your Privacy Rights

You have important rights regarding your personal information. We respect these rights and provide you with tools and processes to exercise them effectively.

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this information in a readable format within 30 days of your request.

Correct Your Information

If your personal information is inaccurate or incomplete, you can request corrections. You can update most information directly through your account settings.

Delete Your Information

You can request deletion of your personal information, subject to legal and contractual obligations. Some information may need to be retained for regulatory compliance.

Withdraw Consent

Where we process your information based on consent, you can withdraw that consent at any time. This won't affect the lawfulness of processing before withdrawal.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We may need to verify your identity before processing your request to ensure the security of your personal information.

We will respond to your request within 30 days. If we need additional time, we'll inform you of the reason for the delay and when you can expect a response. There is no fee for most requests, but we may charge a reasonable fee for excessive or repetitive requests.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, use, disclosure, alteration, or destruction. Our security practices are designed to meet or exceed industry standards for financial services.

Technical Safeguards

We use encryption technology to protect sensitive information during transmission and storage. Our systems are protected by firewalls, intrusion detection systems, and regular security monitoring. Access to your information is restricted to authorized personnel who need it to provide our services.

256-bit SSL encryption for all data transmission
Advanced encryption for data storage and databases
Multi-factor authentication for account access
Regular security audits and penetration testing
24/7 security monitoring and threat detection
Secure data centers with physical access controls

Organizational Measures

Our employees receive regular training on privacy and security practices. We maintain strict access controls and regularly review who has access to personal information. All employees sign confidentiality agreements and are subject to disciplinary action for privacy violations.

We regularly update our security practices to address new threats and vulnerabilities. Our incident response plan ensures that any security incidents are quickly identified, contained, and resolved, with appropriate notification to affected individuals and regulatory authorities.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary depending on the type of information and the purpose for which it was collected.

Account Information

We retain account information for as long as your account is active. After account closure, we may retain certain information for up to seven years to comply with financial services regulations and for legitimate business purposes such as fraud prevention.

Transaction Records

Financial transaction records are retained for at least seven years as required by Lithuanian financial regulations. This includes loan applications, payment history, and related documentation necessary for regulatory compliance and audit purposes.

When we no longer need your information, we securely delete or anonymize it using industry-standard methods. Some information may be retained in anonymized form for analytical and research purposes.

Marketing Information

If you opt out of marketing communications, we will remove your information from marketing lists promptly. However, we may retain your opt-out preferences indefinitely to ensure we don't inadvertently contact you again.

International Data Transfers

Atera-Home operates primarily in Lithuania, and your information is generally stored and processed within Lithuania. However, some of our service providers may be located outside Lithuania, which means your information may be transferred to and processed in other countries.

When we transfer your information outside Lithuania, we ensure appropriate safeguards are in place to protect your privacy rights. This may include contractual protections, adequacy decisions, or other approved transfer mechanisms under applicable privacy laws.

Cross-Border Service Providers

Some of our technology and support services are provided by companies located in the United States and other countries. We carefully select these providers and require them to maintain security standards comparable to those required in Lithuania.

When your information is processed outside Lithuania, it may be subject to the laws of those countries, including lawful access by government authorities. We will notify you of any significant changes to our data processing locations.

Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience on our website and mobile applications. These technologies help us remember your preferences, understand how you use our services, and improve our platform.

Types of Cookies We Use

Essential Cookies: Required for basic website functionality and security
Performance Cookies: Help us understand how visitors interact with our website
Functional Cookies: Remember your preferences and personalize your experience
Analytics Cookies: Provide insights into website usage and help us improve our services

Managing Your Cookie Preferences

You can control cookie settings through your browser preferences. Most browsers allow you to block or delete cookies, but this may affect the functionality of our website. You can also opt out of certain analytics cookies through industry preference centers.

We also use Google Analytics and similar services to understand website usage. These services may use cookies to collect information about your visits to our website and other websites. You can opt out of Google Analytics by installing the Google Analytics opt-out browser add-on.

Children's Privacy

Our financial services are not intended for individuals under the age of majority in their province of residence (typically 18 or 19 years old). We do not knowingly collect personal information from minors without appropriate parental consent.

If we become aware that we have collected personal information from a minor without proper consent, we will take steps to delete that information promptly. Parents or guardians who believe their child has provided personal information to us should contact us immediately.

If you are under the age of majority, you should not use our services or provide any personal information to us without your parent or guardian's consent and supervision.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website and sending you an email notification if you have an active account.

The updated policy will be effective immediately upon posting unless otherwise specified. Your continued use of our services after the effective date constitutes acceptance of the updated privacy policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

Notification of Changes

For significant changes that may affect your privacy rights, we will provide at least 30 days' notice before the changes take effect. This may include email notifications, website banners, or other appropriate communication methods.

We will maintain previous versions of this privacy policy in our archives for your reference. If you have questions about changes to our privacy practices, please contact us using the information provided below.

Privacy Policy