We use cookies to offer you the best possible website experience. Your cookie preferences will be stored in your browser’s local storage. This includes cookies necessary for the website's operation. Additionally, you can freely decide and change any time whether you accept cookies or choose to opt out of cookies to improve the website's performance, as well as cookies used to display content tailored to your interests. Your experience of the site and the services we are able to offer may be impacted if you do not accept all cookies.
Read more about cookies via Modify Cookie Preferences
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.
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.
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.
If you have previously allowed targeting cookies, your 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.
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
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 with software that blocks cookies or your browser’s settings, we cannot guarantee the functionality of the basic service functions such as language settings and login.
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.
The maximum time which we store cookies is listed for each tool.
Necessary cookies
SAP: We Use the following session cookies, which are all required to enable the website to function:
Maximum retention period is browser session.
Operational development cookies
Adobe Analytics
We use Adobe Analytics to analyse user activity, user behaviour, error situations, user volumes and traffic on OP’s own websites and mobile applications. We use the data to develop new services and business within OP Financial Group. Maximum retention period two (2) years
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, Snapchat, Sumo, 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, SoundCloud, 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.
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.
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:
With necessary cookies, we ensure the reliable, safe operation of our websites and services as well as secure transactions and prevent misuse. For example, they allow you to log into the service and ensure that language settings work properly. You can disable the use of necessary cookies only in your browser settings.
We do not disclose this data outside OP Financial Group.
| Provider | Description | Enabled |
|---|---|---|
| SAP |
We use the following session cookies, which are all required to enable the website to function:
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Third-party marketing cookies allow us to target OP’s topical marketing to you through various websites and institutional services. They also give us statistical data on marketing and target groups.
Social media services belonging to our advertising network (Facebook, Instagram, LinkedIn, X and YouTube) can also utilise data collected through marketing cookies for their own purposes. The data can thus be disclosed for use by third parties not belonging to OP Financial Group.
| Provider | Description | Enabled |
|---|---|---|
| YouTube |
YouTube is a video-sharing service where users can create their own profile, upload videos, watch, like and comment on videos. Opting out of YouTube cookies will disable your ability to watch or interact with YouTube videos.
Cookie Policy Privacy Policy Terms and Conditions |
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We use the data collected through operational development cookies to develop new services and business within OP Financial Group. We also receive statistical information on the use of the service: we use such information for service and business reporting. With the data we collect through operational development cookies, we monitor visitor activeness and behaviour in our online and mobile services, for example.
Based on behavioural data, we create various types of user classifications and models in addition to developing a customised user experience in various service channels.
We disclose your browser's and device's technical information with our partner Adobe. Adobe uses the information to develop the analytics service used by OP and for anonymous reporting. Adobe cannot combine the information with your customer profile.
| Provider | Description | Enabled |
|---|---|---|
| Adobe |
We use Adobe Analytics to analyse user activity, user behaviour, error situations, user volumes and traffic on OP’s own websites and mobile applications. We use the data to develop new services and business within OP Financial Group. Maximum retention period two (2) years |
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