Use of cookies and online identifiers
We use various types of cookies, specifying identifiers and analytics solutions on OP Light Entrepreneur websites and mobile apps.
Note that some cookies are necessary for the reliable and secure operation of our websites. In other respects, you can choose the data we may collect and the purposes for which we can use them. For example, we don’t use the data for targeting and marketing without your consent.
Your cookie settings are saved in your browser.
On this page, we also explain how cookies work, the tools we use, and how your privacy is protected.
Your cookie settings
Disabling cookies
Deleting cookie history
You can delete the cookie history from your browser’s settings to remove all previous cookies saved by the browser. Deleting the cookie history will not prevent the formation of new cookie data.
Disabling the use of previous targeting data
If you have previously allowed targeting cookies, you new cookie settings will not immediately remove old cookie data. You may see targeted marketing on our partners’ websites for 30 days after you have cancelled your consent.
Disabling third-party web advertising
If you have previously disabled third party cookies, advertisers and advertisement networks will target advertising to you, based on browser-based behavioural data previously collected from OP Financial Group’s pages.
You can prevent web advertising from outside OP that is based on previously disclosed data, either completely or specific to the company.
Disable targeted web advertising on the Your Online Choices website
Disabling all cookies
If you wish to disable cookies completely, you can do it by changing your browser settings. For more information, see the instructions concerning your browser.
If you disable all cookies, we cannot guarantee the functionality of the basic service functions, such as language settings and log-in.
How do cookies work?
Cookies are small text files that are stored in your device’s browser. They show us the type of device with which you are using OP eServices, and whether you have visited our websites earlier.
If you use different browsers, each may have their own browser settings. If several persons use the same device and browser, the cookie choices made by a single user will also apply to other users, unless the cookies are cleared from the browser after use.
If you’ve only allowed necessary cookies, we’ll ask for your consent again after six (6) months. Your other cookie settings will remain valid for 12 months.
If you clear cookies from the browser, we’ll ask for your consent again the next time you visit our website.
What tools are we using, and how long is the data retained?
We use both session and persistent cookies:
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Session cookies exist only during a single session or visit. They are deleted automatically when you close the browser. With session cookies, you can move from one page to another, log into the service, and use different types of calculators and online forms, for instance.
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Persistent cookies will remain on your browser or device for a fixed period, including after the session, unless you delete them from the browser settings. We use persistent cookies to improve the user experience. With persistent cookies, the website identifies your device and remembers your settings, such as language choice, when you visit the website again.
Tool list
We list the maximum cookie-storage time for each tool.
| Necessary cookies | Maximum retention period |
| Adobe Analytics We use Adobe Analytics to analyse error situations, user volumes and traffic on OP’s own websites and mobile applications. | 2 years |
| Amazon AWS We use Amazon AWS cloud services to save user logins to the service, optimise user experience and balance network load. | 12 months |
| Intercom chat We use cookies by the Intercom chat service to provide the chat customer service, identify customers who are logged in as well as analyse and develop our customer service. The provider of the chat customer service, Intercom, may also process the data for its own purposes according to its privacy policy and the retention times specified there. | 9 months |
Operational development cookies
| Operational development cookies | Maximum retention period |
| Adobe Analytics We use Adobe Analytics to analyse user activeness and behaviour on OP’s own websites and mobile applications. We use the data to develop new services and business within OP Financial Group. | 2 years |
Targeting cookies
| Targeting cookies | Maximum retention period |
| Adform We also use Adform’s pixels on some of our websites. They help us analyse and prepare statistics about traffic on the website as well as target advertising. | 13 months |
Third party marketing cookies
Third party marketing cookies (Facebook, Instagram, LinkedIn, Twitter and YouTube) allow us to target OP’s topical marketing to the user through various websites and institutional services. They also give us statistical data on marketing and target groups.
Third parties are responsible for the retention times of marketing cookies in accordance with their own privacy policies.
Embed codes
We use social extensions, i.e. third party embed codes, on OP Financial Group’s websites. These allow you to view embedded content by providers such as Facebook, Instagram, LinkedIn, SoundCloud, Twitter and YouTube on the websites.
Embed codes are downloaded from the social media service providers’ own servers. Embed codes can set their own cookies based on their principles and collect data from users the way cookies do.
Your privacy is important to us
The data collected using cookies and different tools are owned by OP Financial Group’s data controllers. As a rule, our partners act as processors of personal data on behalf of OP.
We can only disclose data to third parties in the case of the chat customer service and marketing cookies. Third parties are responsible for the use of such data as joint controllers with OP or as independent controllers in accordance with their own privacy policies.
Adobe is the processor of personal data in providing the Adobe Analytics tool to OP. Adobe is also the controller of technical data collected using Adobe Analytics cookies (IP address, browser and device type, settings, cookie ID, version, language settings) for the purposes of testing and developing its products. This data is in the form of pseudonymised personal data, but Adobe cannot identify individuals users of OP's websites and uses the data in aggregate form. Adobe also creates fully anonymous reports based on data collected using Adobe tools from its corporate customers, such as OP. You can block Adobe from using cookie data from the following link under Adobe Experience Cloud: Adobe Privacy Center.
As a responsible service provider, we are committed to protecting your privacy in compliance with data protection legislation.
Read more about how OP processes your personal data
Read more about the privacy policies of our partners and social media services:
For more information about what tools we use, visit op.fi.