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From: "rahapesu - RAB" <info@fiu.ee>
To: "'Andres Ojaver // Hedman'" <Andres.Ojaver@hedman.legal>
References: <VI1P18901MB06705FDB0EA9202407105D4A98A0A@VI1P18901MB0670.EURP189.PROD.OUTLOOK.COM>
In-Reply-To: <VI1P18901MB06705FDB0EA9202407105D4A98A0A@VI1P18901MB0670.EURP189.PROD.OUTLOOK.COM>
Subject: =?windows-1257?Q?RE:_K=FCsimus_kliendi_tuvastamise_ja_isikuandmete_kaitse?=
	=?windows-1257?Q?_kohta?=
Date: Mon, 29 Dec 2025 14:17:02 +0200
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Lugupeetud Andres Ojaver



Esitasite Rahapesu Andmebüroole (edaspidi RAB) 10.12.2025 selgitustaotluse
seoses virtuaalvääringu vahendaja platvormil konto registreerimise käigus
edastatud isikuandmete töötlemise ja kustutamisega olukorras, kus
tehinguid tehtud ei ole.

Rahapesu ja terrorismi rahastamise tõkestamise seaduse (edaspidi RahaPTS)
§ 19 lg 1 p 1 kohaselt kohustatud isik kohaldab hoolsusmeetmeid ärisuhte
loomisel. Seega võib isikuandmete kogumine ja töötlemine toimuda ka
ärisuhte loomise etapis, sõltumata sellest, kas ärisuhe hiljem realiseerub
või mitte.

Selgitame, et ärisuhte mõiste on sätestatud RahaPTS § 3 p-s 4, mille
kohaselt on ärisuhe on suhe, mis tekib kestvuslepingu sõlmimisel majandus-
või kutsetegevuses kohustatud isiku poolt teenuse osutamiseks või kauba
müümiseks või muul viisil turustamiseks või mis ei põhine kestvuslepingul,
kuid mille puhul kontakti loomise ajal võiks mõistlikult oodata suhte
teatavat kestvust ja mille jooksul teeb kohustatud isik teenust või
ametiteenust osutades, ametitoiminguid tehes või kaupa pakkudes korduvalt
eraldiseisvaid tehinguid majandus-, kutse- või ametitegevuse käigus. Juhul
kui nimetatud tingimused ei ole täidetud ja tehinguid ei ole tehtud, ei
tulene RahaPTS § 48 alusel üldjuhul isikuandmete säilitamise kohustust
samas ulatuses nagu ärisuhte olemasolul.

Sellisel juhul tuleb isikuandmete edasisel töötlemisel lähtuda Euroopa
Liidu isikuandmete kaitse üldmäärusest (edaspidi GDPR). GDPR artikli 17 lg
1 punkti a kohaselt on andmekaitse subjektil õigus nõuda isikuandmete
kustutamist, kui isikuandmeid ei ole enam vaja eesmärgil, millega seoses
need on kogutud või muul viisil töödeldud. Samas ei kohaldu nimetatud
õigus GDPR artikli 17 lg 3 punktides b ja e sätestatud ulatuses, milles
isikuandmete töötlemine on vajalik juriidilise isiku kohustuse täitmiseks
või õigusnõuete koostamiseks, esitamiseks või kaitsmiseks.

Eeltoodust tulenevalt sõltub isikuandmete edasine töötlemine ja
säilitamise ulatus sellest, kui kaugele ärisuhte loomise protsess jõudis
ning kas ja millisel määral olid täidetud RahaPTS § 3 p 4 kohased ärisuhte
tunnused.

Käesolev vastus on koostatud konkreetselt Teie poolt selgitustaotluses
esitatud andmete ning selgituste põhjal. RAB-i seisukoht võib muutuda
vastavalt tegevuse praktikas avaldumise ja esitatud faktiliste asjaolude
esinemise korral või muul põhjusel, mida RAB ei saanud selgitustaotlusele
vastamisel arvesse võtta.



Lugupidamisega






Rahapesu Andmebüroo | Estonian Financial Intelligence Unit
Tel +372 696 0500 | Pronksi 12, Tallinn |  <https://www.fiu.ee/>
www.fiu.ee





From: Andres Ojaver // Hedman <Andres.Ojaver@hedman.legal>
Sent: Wednesday, December 10, 2025 2:31 PM
To: rahapesu - RAB <info@fiu.ee>
Subject: Küsimus kliendi tuvastamise ja isikuandmete kaitse kohta




Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga.
Tundmatu saatja korral palume linke ja faile mitte avada.

Tere,



Nõustamise käigus tekkis sisuline küsimus seoses virtuaalvääringu
ärisuhtega.

Nimelt on tekkinud olukord, kus isik registreeris konto virtuaalvääringu
vahendaja platvormil, kuid ühtegi tehingut ei ole teinud. Taustakontrolli
tegemiseks edastas isik juba ka dokumendikoopiad ja veel isikuandmeid,
kuid jättis siis toimingud pooleli ja soovib nüüd GDPR alusel isikuandmete
kustutamist. Isiku väide on, et AML säilitusnõuded talle ei kehti, sest
ärisuhet ei ole tekkinud ja samuti ei ole ta soovinud teha tehinguid.

Seega isik ei ole saanud teenuseosutajalt (kohustatud isikult) keelduvat
otsust.



Ehk oskate nõustada, kas GDPR kohane õigus saab/tuleb jätta antud juhul
kohaldamata, sest RahaPTS andmete kogumise ja säilitamise nõudeid tuleb
rakendada juba olukorras, kus isik registreerib platvormi konto, kuid
tehinguid ei tee ja mingeid varasid kontoga seotud ei ole? Ilmselt on siis
põhiküsimuseks, millal tekib RahaPTS mõttes ärisuhe.



Ette tänades,






Andres Ojaver

Specialist Data Privacy Counsel | Andmekaitse nõunik

 <mailto:andres.ojaver@hedman.legal> andres.ojaver@hedman.legal

 <https://www.linkedin.com/in/andres-ojaver/> Linkedin








 <https://hedman.legal/> hedman.legal | +372 6 645 250 |

Rotermanni 8, 10111, Tallinn, Estonia



This e-mail and its contents are confidential. If you are not an intended
recipient of this email, please delete it and notify the sender.







Ranked in
<https://hedman.legal/hedman-celebrated-by-chambers-europe-legal500-iflr10
00-for-legal-excellence-in-2025/> Chambers Europe and
<https://hedman.legal/hedman-ranked-in-band-2-in-the-chambers-fintech-2025
-edition/> FinTech,
<https://hedman.legal/hedman-celebrated-by-chambers-europe-legal500-iflr10
00-for-legal-excellence-in-2025/> Legal 500 &
<https://hedman.legal/hedman-celebrated-by-chambers-europe-legal500-iflr10
00-for-legal-excellence-in-2025/> IFLR1000 2025 guides




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</o:shapelayout></xml><![endif]--></head><body lang=3DET =
link=3D"#0563C1" vlink=3D"#954F72" style=3D'word-wrap:break-word'><div =
class=3DWordSection1><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Lugupeetud Andres =
Ojaver<o:p></o:p></span></p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'><o:p>&nbsp;</o:p></span></=
p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Esitasite Rahapesu =
Andmeb=FCroole (edaspidi RAB) 10.12.2025 selgitustaotluse seoses =
virtuaalv=E4=E4ringu vahendaja platvormil konto registreerimise k=E4igus =
edastatud isikuandmete t=F6=F6tlemise ja kustutamisega olukorras, kus =
tehinguid tehtud ei ole.<o:p></o:p></span></p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Rahapesu ja terrorismi =
rahastamise t=F5kestamise seaduse (edaspidi RahaPTS) =A7 19 lg 1 p 1 =
kohaselt kohustatud isik kohaldab hoolsusmeetmeid =E4risuhte loomisel. =
Seega v=F5ib isikuandmete kogumine ja t=F6=F6tlemine toimuda ka =
=E4risuhte loomise etapis, s=F5ltumata sellest, kas =E4risuhe hiljem =
realiseerub v=F5i mitte.<o:p></o:p></span></p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Selgitame, et =E4risuhte =
m=F5iste on s=E4testatud RahaPTS =A7 3 p-s 4, mille kohaselt on =
=E4risuhe on suhe, mis tekib kestvuslepingu s=F5lmimisel majandus- v=F5i =
kutsetegevuses kohustatud isiku poolt teenuse osutamiseks v=F5i kauba =
m=FC=FCmiseks v=F5i muul viisil turustamiseks v=F5i mis ei p=F5hine =
kestvuslepingul, kuid mille puhul kontakti loomise ajal v=F5iks =
m=F5istlikult oodata suhte teatavat kestvust ja mille jooksul teeb =
kohustatud isik teenust v=F5i ametiteenust osutades, ametitoiminguid =
tehes v=F5i kaupa pakkudes korduvalt eraldiseisvaid tehinguid majandus-, =
kutse- v=F5i ametitegevuse k=E4igus. Juhul kui nimetatud tingimused ei =
ole t=E4idetud ja tehinguid ei ole tehtud, ei tulene RahaPTS =A7 48 =
alusel =FCldjuhul isikuandmete s=E4ilitamise kohustust samas ulatuses =
nagu =E4risuhte olemasolul. <o:p></o:p></span></p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Sellisel juhul tuleb =
isikuandmete edasisel t=F6=F6tlemisel l=E4htuda Euroopa Liidu =
isikuandmete kaitse =FCldm=E4=E4rusest (edaspidi GDPR). GDPR artikli 17 =
lg 1 punkti a kohaselt on andmekaitse subjektil =F5igus n=F5uda =
isikuandmete kustutamist, kui isikuandmeid ei ole enam vaja eesm=E4rgil, =
millega seoses need on kogutud v=F5i muul viisil t=F6=F6deldud. Samas ei =
kohaldu nimetatud =F5igus GDPR artikli 17 lg 3 punktides b ja e =
s=E4testatud ulatuses, milles isikuandmete t=F6=F6tlemine on vajalik =
juriidilise isiku kohustuse t=E4itmiseks v=F5i =F5igusn=F5uete =
koostamiseks, esitamiseks v=F5i kaitsmiseks.<o:p></o:p></span></p><p =
class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Eeltoodust tulenevalt =
s=F5ltub isikuandmete edasine t=F6=F6tlemine ja s=E4ilitamise ulatus =
sellest, kui kaugele =E4risuhte loomise protsess j=F5udis ning kas ja =
millisel m=E4=E4ral olid t=E4idetud RahaPTS =A7 3 p 4 kohased =E4risuhte =
tunnused. <o:p></o:p></span></p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>K=E4esolev vastus on =
koostatud konkreetselt Teie poolt selgitustaotluses esitatud andmete =
ning selgituste p=F5hjal. RAB-i seisukoht v=F5ib muutuda vastavalt =
tegevuse praktikas avaldumise ja esitatud faktiliste asjaolude esinemise =
korral v=F5i muul p=F5hjusel, mida RAB ei saanud selgitustaotlusele =
vastamisel arvesse v=F5tta.<o:p></o:p></span></p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'><o:p>&nbsp;</o:p></span></=
p><p class=3DMsoNormal =
style=3D'margin-bottom:8.0pt;text-align:justify;line-height:115%'><span =
style=3D'font-size:12.0pt;line-height:115%;font-family:"Times New =
Roman",serif;mso-ligatures:standardcontextual'>Lugupidamisega<o:p></o:p><=
/span></p><p class=3DMsoNormal><span =
style=3D'font-family:Roboto'><o:p>&nbsp;</o:p></span></p><div><table =
class=3DMsoNormalTable border=3D0 cellspacing=3D3 cellpadding=3D0 =
style=3D'background:white'><tr><td style=3D'padding:.75pt .75pt .75pt =
.75pt'><p class=3DMsoNormal><span =
style=3D'font-size:12.0pt;font-family:"Aptos",sans-serif;color:#212121;ms=
o-fareast-language:ET'><img width=3D75 height=3D75 =
style=3D'width:.7847in;height:.7847in' id=3D"Pilt_x0020_1165560521" =
src=3D"cid:image004.png@01DC78CD.C8904880"></span><span =
style=3D'font-size:11.5pt;font-family:"Segoe =
UI",sans-serif;color:#212121;mso-fareast-language:ET'><o:p></o:p></span><=
/p></td><td style=3D'padding:.75pt .75pt .75pt .75pt'><p =
class=3DMsoNormal><b><span style=3D'font-size:10.0pt;font-family:"Roboto =
Condensed";color:#0B5999;mso-fareast-language:ET'>Rahapesu =
Andmeb=FCroo&nbsp;</span></b><span =
style=3D'font-size:10.0pt;font-family:"Roboto =
Condensed";color:#0B5999;mso-fareast-language:ET'>| Estonian Financial =
Intelligence Unit</span><span =
style=3D'font-family:"Aptos",sans-serif;color:#212121;mso-fareast-languag=
e:ET'><br></span><span style=3D'font-size:10.0pt;font-family:"Roboto =
Condensed";color:#0B5999;mso-fareast-language:ET'>Tel +372 696 0500 | =
Pronksi 12, Tallinn |&nbsp;</span><span =
style=3D'font-size:12.0pt;font-family:"Aptos",sans-serif;color:#212121;ms=
o-fareast-language:ET'><a href=3D"https://www.fiu.ee/" =
target=3D"_blank"><span style=3D'font-size:10.0pt;font-family:"Roboto =
Condensed";color:blue'>www.fiu.ee</span></a></span><span =
style=3D'font-size:11.5pt;font-family:"Segoe =
UI",sans-serif;color:#212121;mso-fareast-language:ET'><o:p></o:p></span><=
/p></td></tr></table><p class=3DMsoNormal><span =
style=3D'font-size:12.0pt;font-family:"Aptos",sans-serif;mso-ligatures:st=
andardcontextual;mso-fareast-language:ET'><o:p>&nbsp;</o:p></span></p></d=
iv><p class=3DMsoNormal><span =
style=3D'font-family:Roboto'><o:p>&nbsp;</o:p></span></p><div><div =
style=3D'border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm =
0cm 0cm'><p class=3DMsoNormal><b><span =
style=3D'mso-fareast-language:ET'>From:</span></b><span =
style=3D'mso-fareast-language:ET'> Andres Ojaver // Hedman =
&lt;Andres.Ojaver@hedman.legal&gt; <br><b>Sent:</b> Wednesday, December =
10, 2025 2:31 PM<br><b>To:</b> rahapesu - RAB =
&lt;info@fiu.ee&gt;<br><b>Subject:</b> K=FCsimus kliendi tuvastamise ja =
isikuandmete kaitse kohta<o:p></o:p></span></p></div></div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p><table class=3DMsoNormalTable =
border=3D0 cellspacing=3D0 cellpadding=3D0 align=3Dleft width=3D"100%" =
style=3D'width:100.0%'><tr><td =
style=3D'background:#910A19;padding:5.25pt 1.5pt 5.25pt 1.5pt'></td><td =
width=3D"100%" style=3D'width:100.0%;background:#FDF2F4;padding:5.25pt =
3.75pt 5.25pt 11.25pt'><div><p class=3DMsoNormal =
style=3D'mso-element:frame;mso-element-frame-hspace:2.25pt;mso-element-wr=
ap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizo=
ntal:column;mso-height-rule:exactly'><strong><span =
style=3D'font-size:9.0pt;font-family:"Segoe =
UI",sans-serif;color:#212121'>T=E4helepanu! </span></strong><span =
style=3D'font-size:9.0pt;font-family:"Segoe =
UI",sans-serif;color:#212121'>Tegemist on v=E4lisv=F5rgust saabunud =
kirjaga.<br>Tundmatu saatja korral palume linke ja faile mitte =
avada.<o:p></o:p></span></p></div></td></tr></table><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'>Tere,<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'><o:p>&nbsp;</o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'>N=F5ustamise k=E4igus tekkis sisuline k=FCsimus =
seoses virtuaalv=E4=E4ringu =E4risuhtega. <o:p></o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'>Nimelt on tekkinud olukord, kus isik registreeris =
konto virtuaalv=E4=E4ringu vahendaja platvormil, kuid =FChtegi tehingut =
ei ole teinud. Taustakontrolli tegemiseks edastas isik juba ka =
dokumendikoopiad ja veel isikuandmeid, kuid j=E4ttis siis toimingud =
pooleli ja soovib n=FC=FCd GDPR alusel isikuandmete kustutamist. Isiku =
v=E4ide on, et AML s=E4ilitusn=F5uded talle ei kehti, sest =E4risuhet ei =
ole tekkinud ja samuti ei ole ta soovinud teha =
tehinguid.<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:12.0pt;font-family:"Calibri Light",sans-serif'>Seega =
isik ei ole saanud teenuseosutajalt (kohustatud isikult) keelduvat =
otsust. <o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'><o:p>&nbsp;</o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'>Ehk oskate n=F5ustada, kas GDPR kohane =F5igus =
saab/tuleb j=E4tta antud juhul kohaldamata, sest RahaPTS andmete =
kogumise ja s=E4ilitamise n=F5udeid tuleb rakendada juba olukorras, kus =
isik registreerib platvormi konto, kuid tehinguid ei tee ja mingeid =
varasid kontoga seotud ei ole? <b>Ilmselt on siis p=F5hik=FCsimuseks, =
millal tekib RahaPTS m=F5ttes =E4risuhe.</b><o:p></o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'><o:p>&nbsp;</o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'>Ette t=E4nades, <o:p></o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif'><o:p>&nbsp;</o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif;mso-fareast-language:ET'><o:p>&nbsp;</o:p></span></p><t=
able class=3DMsoNormalTable border=3D0 cellspacing=3D0 cellpadding=3D0 =
style=3D'margin-left:-5.4pt;border-collapse:collapse'><tr =
style=3D'height:62.8pt'><td width=3D357 valign=3Dtop =
style=3D'width:267.65pt;padding:0cm 5.4pt 0cm 5.4pt;height:62.8pt'><p =
class=3DMsoNormal><b><span lang=3DEN-US =
style=3D'font-size:12.0pt;font-family:"Calibri =
Light",sans-serif;mso-fareast-language:ET'>Andres =
Ojaver<o:p></o:p></span></b></p><p class=3DMsoNormal =
style=3D'margin-bottom:12.0pt'><span lang=3DEN-US =
style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'>Specialist Data =
Privacy Counsel </span><span style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'>| Andmekaitse =
n=F5unik<o:p></o:p></span></p><p class=3DMsoNormal><u><span =
style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'><a =
href=3D"mailto:andres.ojaver@hedman.legal"><span =
style=3D'color:#7F7F7F'>andres.ojaver@hedman.legal</span></a></span></u><=
u><span =
style=3D'color:#7F7F7F;mso-fareast-language:ET'><o:p></o:p></span></u></p=
><p class=3DMsoNormal><span style=3D'mso-fareast-language:ET'><a =
href=3D"https://www.linkedin.com/in/andres-ojaver/"><span =
style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F'>Linkedin</span></a></span><u><span =
lang=3DEN-US =
style=3D'color:#7F7F7F;mso-fareast-language:ET'><o:p></o:p></span></u></p=
><p class=3DMsoNormal><span style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'><img border=3D0 =
width=3D200 height=3D69 style=3D'width:2.0833in;height:.7222in' =
id=3D"Picture_x0020_15" src=3D"cid:image005.png@01DC78CD.C8904880" =
alt=3D"Logo, company name&#13;&#10;&#13;&#10;Description automatically =
generated"></span><span style=3D'font-family:"Calibri =
Light",sans-serif;mso-fareast-language:ET'><o:p></o:p></span></p></td><td=
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5.4pt;height:62.8pt'><p class=3DMsoNormal><span =
style=3D'font-family:"Calibri =
Light",sans-serif;mso-fareast-language:ET'><o:p>&nbsp;</o:p></span></p></=
td></tr><tr style=3D'height:75.0pt'><td width=3D357 =
style=3D'width:267.65pt;padding:0cm 5.4pt 0cm 5.4pt;height:75.0pt'><p =
class=3DMsoNormal><i><span style=3D'font-size:9.0pt;font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:EN-GB'><o:p>&nbsp;</=
o:p></span></i></p><p class=3DMsoNormal><span =
style=3D'mso-fareast-language:ET'><a =
href=3D"https://hedman.legal/"><span style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F'>hedman.legal</span></a></span><span =
style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'> | +372 6 645 =
250 | </span><span style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F'><o:p></o:p></span></p><p =
class=3DMsoNormal><span style=3D'font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'>Rotermanni 8, =
10111, Tallinn, Estonia<o:p></o:p></span></p><p =
class=3DMsoNormal><i><span style=3D'font-size:9.0pt;font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:EN-GB'><o:p>&nbsp;</=
o:p></span></i></p><p class=3DMsoNormal><i><span =
style=3D'font-size:9.0pt;font-family:"Calibri =
Light",sans-serif;color:#7F7F7F;mso-fareast-language:ET'>This e-mail and =
its contents are confidential. If you are not an intended recipient of =
this email, please delete it and notify the sender.</span></i><span =
style=3D'font-size:8.0pt;font-family:"Arial",sans-serif'><o:p></o:p></spa=
n></p><p class=3DMsoNormal><span style=3D'font-family:"Calibri =
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0cm 5.4pt;height:75.0pt'><p class=3DMsoNormal><span =
style=3D'font-family:"Calibri =
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v:shapes=3D"Picture_x0020_16"><![endif]><span =
style=3D'font-family:"Calibri =
Light",sans-serif;color:#691437;mso-fareast-language:ET'>Ranked in <a =
href=3D"https://hedman.legal/hedman-celebrated-by-chambers-europe-legal50=
0-iflr1000-for-legal-excellence-in-2025/"><span =
style=3D'color:#691437'>Chambers Europe</span></a> and <a =
href=3D"https://hedman.legal/hedman-ranked-in-band-2-in-the-chambers-fint=
ech-2025-edition/"><span style=3D'color:#691437'>FinTech</span></a>, <a =
href=3D"https://hedman.legal/hedman-celebrated-by-chambers-europe-legal50=
0-iflr1000-for-legal-excellence-in-2025/"><span =
style=3D'color:#691437'>Legal 500</span></a> &amp; <a =
href=3D"https://hedman.legal/hedman-celebrated-by-chambers-europe-legal50=
0-iflr1000-for-legal-excellence-in-2025/"><span =
style=3D'color:#691437'>IFLR1000 2025</span></a> =
guides<o:p></o:p></span></p><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div></body></html>
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