Use of cookies and online identifiers

We use cookies, which are necessary for the reliable and secure operation of OP Year website. 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.

Necessary cookies

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.

Necessary cookies act as an aid to developing the service you use when we investigate how well services match our customers’ needs, for example. We also receive statistical information on the use of the service, and we use the information for service and business reporting.

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. 

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.

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 

Necessary cookiesMaximum retention period
Adobe Analytics 
We use Adobe Analytics to analyse error situations, user volumes and traffic on OP’s own websites and mobile applications.  
Two (2) years

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.

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 service provider, we are committed to protecting your privacy in compliance with data protection legislation.

Read more about how OP processes your personal data 

OP Financial Group’s cookie practices and requests for consent to the use of cookies comply with the relevant legislation and the guidelines and resolutions issued by the authorities. In particular, we observe the following:

Judgment of the European Court of Justice C-673/17 – Planet49

Decision of the Deputy Data Protection Ombudsman on giving consent to the use of cookies (in Finnish)

Read more about the privacy policies of our partners:


Disabling cookies 

Erasing cookie history 

You can erase the cookie history from your browser’s settings to remove all previous cookies saved by the browser. Erasing cookie history does not prevent the formation of new cookie data. 

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.