Use of cookies and online identifiers

We use various types of cookies, specifying identifiers and analytics solutions on OP Financial Group’s website and in applications. With your cookie settings, you can influence the purposes for which we can utilise the data we have collected.

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 do not utilise 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 clear the cookie history from your browser’s settings to delete all previous cookies saved by the browser. Deleting cookie history does not prevent the formation of new cookie data. For this, you must cancel your cookie consent on OP’s website.

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 60 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 detailed information, see the instructions of 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 a variety of browsers, they 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 deleted from the browser after use.

If you have only allowed necessary cookies, we will ask your consent again after six (6) months. Your other cookie settings will remain in force for 12 months.

If you remove cookies from the browser, we will ask 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. Tools can set several cookies with different retention times. We indicate the maximum cookie retention time for each tool.

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 on-line forms, for instance.

Persistent cookies remain on your browser or device for a fixed period, also 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

Targeting cookies and third-party marketing cookies

Third party marketing cookies 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.

This website uses the marketing cookies of Facebook, Instagram, LinkedIn, X and YouTube.

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. They allow you to view social media content and videos on the website.

This website uses the embed codes of Facebook, Instagram, LinkedIn, X and YouTube.

Embed codes are downloaded from the social media service providers’ own servers.Your cookie choices do not for now affect the cookie policies related to social plugins. Embed codes can set their own cookies based on their principles. With the cookies, service providers can collect information on the users for their own purposes.

Your privacy is important to us

The data collected using cookies and different tools are owned by OP Financial Group’s data controllers. Our partners act as processors of the data for and on behalf of OP.

However, concerning the use of the cookie placed based on targeting cookie consent, OP acts as a joint controller with its service provider Adform‍ as far as ID data is concerned. ID data is a randomly created number series that OP uses to remember an individual browser that has visited its website and to send advertising to be shown in that browser also on other websites that sell advertising space to OP. The Adform targeting cookie is used on certain subpages of the op.fi website of which some are visible only to a logged-in user. Targeting cookies are never used on such op.fi website pages that show payment, account or insurance details. A targeting cookie´s ID data is not connected to your customer information held by OP Financial Group.

ID data is disclosed to Adform, who uses the data to provide OP with targeting service for online marketing and to improve this service. Adform cannot connect ID data to you. In addition to the targeting service, Adform uses ID data as an independent controller in aggregated, or combined, form to prevent fraud and for statistical purposes. The information related to your customer relationship with OP Financial Group, such as information on your use of banking or insurance services, is not used to target marketing or sent to Adform.

We can disclose data to third parties with consent obtained through 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.

We collect and use web analytics only with consent to development cookies. Web analytics for OP’s digital services is provided by Adobe. With the aid of the Adobe Analytics tool, we make sure that our digital services function properly and flawlessly and meet our customers’ needs. We use the tool to analyse error situations, user volumes and traffic on OP’s own websites and mobile applications, for example. In developing our web analytics, we ensure the privacy of users.

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 company, 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:

• Adobe‍