Terms of use of the BALTA Self-Service Portal and BALTA Mobile Application

1.1 BALTA – AAS “BALTA”

1.2. BALTA Website – the websites owned and maintained by BALTA: www.balta.lv and www.baltaonline.lv. 

1.3. Rules – these Terms of Use for the BALTA Self-Service Portal and BALTA Mobile Application, approved by BALTA.

1.4. Self-Service Portal – a service management system created and maintained on the BALTA website, providing the User with access to BALTA self-service services and information available on the website (including the User’s insurance contracts, invoices, submitted and reviewed insurance claims, and other information).

1.5. Mobile Application – a mobile application developed and maintained by BALTA (for Google LLC Android and Apple Inc. iOS operating systems), providing access to BALTA self-service services and information available in the application (including the User’s insurance contracts, invoices, submitted and reviewed insurance claims, and other information). 

1.6. User – a natural person or a natural person acting as a representative of a legal entity who uses the Self-Service Portal or BALTA Mobile Application in accordance with these Rules.

1.7. Authentication – the process used by BALTA to ensure that specific resources (the Self-Service Portal and Mobile Application) can only be accessed by an identifiable and authenticated User.. 

1.8. PIN Code – an identification number (Authentication Tool) known only to the Mobile Application User, created and used by the User for repeated authentication in the Mobile Application.

1.9. Biometrics – a security solution (Authentication Tool) provided by the User’s mobile device whereby the User, as a natural person, uses their unique biometric characteristics to authenticate repeatedly in the Mobile Application instead of entering a PIN code.. 

1.10. Services – the services and functionalities available in the Self-Service Portal and the Mobile Application.

3.1. o begin using the Self-Service Portal or Mobile Application, the User must authenticate using the authentication methods provided by BALTA.

3.2. Upon accessing the Mobile Application using authentication methods, the User is invited to create a unique PIN code for repeated access and may also enable biometric authentication if supported by the User’s mobile device.

3.3. When using the Self-Service Portal and Mobile Application, the User is responsible for the security of their device and connection (including when using Wi-Fi networks or software/applications supported by the computer or mobile device manufacturer).  

3.4. BALTA may establish security criteria under which the User may be required to perform initial authentication again.. 

3.5. The User must ensure the security of their device and prevent third-party access to the Self-Service Portal or Mobile Application. The User must not leave the Self-Service Portal or Mobile Application logged in after use and must not send or leave authentication methods (including security codes) or other access credentials in places accessible to others. If the User suspects that authentication methods (including security codes) have become known to third parties, the User must immediately change them.

4.1.1. read and comply with these Rules;

4.1.2. keep confidential information regarding authentication methods used to access the Self-Service Portal or Mobile Application secure and not disclose it to third parties, while preventing others from obtaining such information. The User acknowledges and understands that third parties who gain access to authentication information may access the User’s Self-Service Portal or Mobile Application, view information contained therein, and perform actions on the User’s behalf, including entering into obligations. Any actions performed in the Self-Service Portal or Mobile Application using the User’s valid authentication tools shall be deemed to have been performed by the User and shall be binding upon the User;

4.1.3. when accessing the Portal via a computer, ensure that the computer meets the minimum technical requirements for Portal use. To receive certain Services, the User may be asked to consent to the use of BALTA cookies and/or JavaScript; refusal may make certain selected services unavailable. More information regarding BALTA’s use of cookies is available on the website www.balta.lv;

4.1.4. not provide authentication methods for accessing the Self-Service Portal or Mobile Application to third parties, including authorized representatives. Authorized representatives may access the User’s (principal’s) Self-Service Portal or Mobile Application only:

4.2. if the User has designated them as authorized users in the “Authorized Users” section of the Self-Service Portal or Mobile Application; 

4.3. by using their own authentication methods (those of the authorized representative). Authorized representatives are strictly prohibited from using the User’s authentication methods to access the Self-Service Portal or Mobile Application.

5.1.1. identify the User in accordance with these Rules;

5.1.2. provide the BALTA services available in the Self-Service Portal and Mobile Application in accordance with these Rules; 

5.1.3. ensure the confidentiality of information concerning the User. Confidential information may be disclosed to third parties only in cases provided for by the laws and regulations of the Republic of Latvia or with the User’s consent.

5.2. BALTA has the right to process the User’s personal data for the purpose of providing services available in the Self-Service Portal and Mobile Application.

5.3. BALTA has the right, but not the obligation, to block the User’s access to the Self-Service Portal or Mobile Application if there is suspicion of unauthorized access, including suspicion that authentication tools have become or may become known to third parties, are being used unlawfully, or in other cases deemed necessary by BALTA to ensure security and integrity or to prevent violations of these Rules or potential losses to BALTA or other BALTA clients.

5.4. BALTA shall not be liable for, nor compensate, any existing or potential losses incurred by the User:

5.4.1. due to damage or disruptions in the operation of the Self-Service Portal or Mobile Application caused by faults or malfunctions in the User’s equipment, email configuration or overload, use of inappropriate or unlicensed equipment or software, interruptions in electricity and/or internet services, or failure of the User’s equipment to meet usage requirements; 

5.4.2. if the User has used the Self-Service Portal or Mobile Application contrary to these Rules;

5.4.3. if the Self-Service Portal or Mobile Application has been used unlawfully;

5.4.4. if operation of the Self-Service Portal or Mobile Application is disrupted, suspended, or terminated for any reason;

5.4.5. during maintenance, preventive work, or improvements to the Self-Service Portal or Mobile Application.

5.5. In providing services through the Self-Service Portal or Mobile Application, BALTA may display notifications and access data stored on the User’s mobile device, such as the camera, photos, files, and videos, where the User chooses to use the relevant functionality of the Mobile Application.

5.6. Statistical data are processed through cookies in the Portal and Mobile Application to improve their operation and performance.

6.1. These Rules become binding on the User upon commencement of use of the Self-Service Portal or Mobile Application. Use of the Portal, Profile, or Mobile Application constitutes confirmation that the User has read and accepted these Rules, any amendments communicated by BALTA, and other changes to the Services provided.

6.2. BALTA has the right, without prior notice to the User, to change the procedure for providing services through the Self-Service Portal and Mobile Application, modify the scope of services and information available to the User, and alter the functional or visual design of the Portal, Profile, and Mobile Application.

6.3. BALTA has the right at any time to partially or fully discontinue operation of the Self-Service Portal and Mobile Application or cease providing Services through the Portal, Profile, and Mobile Application. 

6.4. Any disputes arising between the User and BALTA in connection with these Rules shall be resolved through mutual negotiations. If a dispute cannot be resolved through negotiations, it shall be settled in accordance with the laws and regulations of the Republic of Latvia.