Cookie and tracking notice
This cookie and tracking notice contain information on how the cookie and tracking notice is applied, and which tracking technologies are used on IPF Digital AS (hereinafter referred to as “IPF”, “we” or “us”) websites. We are a licensed consumer creditor and e-money institution by the Estonian Financial Supervisory Authority.
To better meet your needs and customise your experience, we use tracking technologies such as cookies, pixels and software development kits (SDKs) on our websites and mobile applications. Below you will find the basic information on how and why we use tracking technologies. You can read about IPF’s and its group companies Privacy Notices for customers under each market website. Privacy Notice for Third Parties and Commercial Partners is accessible here.
For additional questions, please contact our Data Protection Officer (DPO) at privacy@ipfdigital.com
What are tracking technologies and how they are used?
Tracking technologies save information on your device or collect information from your device. Although this information contains identifying information, they do not usually contain any information that identifies you personally, but rather allow us to recognise you upon return to our applications and to help understand their usage. Meaning that you would not be generally identifiable with the tracking technologies; however, if you are logged into your account, IPF can connect you with a specific tracking technology and may share information with tracking technology vendors. In cases we process personal data by using tracking technologies, we act in accordance with our Privacy Notices.
The most common tracking technology on websites are cookies - small text files sent to your device to store preferences. Cookies assigns a unique numerical identifier to web browser or device and may enable our website to recognize repeat visitor as the same user and relate your use of the services to other information about you. Cookies are stored on your device until they expire or you delete them. More information on cookies can be found on the following address: https://www.allaboutcookies.org/.
In mobile applications, common tracking technologies are 3rd party software development kits (SDKs), which enable to track the session and interactions of user with a mobile application.
Tracking technologies help us to:
- make websites and Creditea App work according to your expectations;
- remember your devices and settings during and in between visits;
- fix the speed/security of the website and Creaditea App;
- constantly improve our website and Creaditea App for you;
- make marketing and content more efficient and personal.
What categories of tracking technologies (cookies) do we use on our websites?
To better understand tracking technologies (cookies), we have categories them into five different categories. You can accept all cookies or certain categories. When you accept a category, you accept all cookies in that category (detailed list of tracking technologies is accessible below). You can always change your preferences and decline all cookies that are not categorised as necessary cookies.
| Necessary Cookies | Necessary cookies are used to make the website function properly. Without these we cannot deliver the expected website functionality. This includes such things as session cookies for your connection to our webpage, language preference cookies, account login cookies and similar ones. |
|---|---|
| Performance Cookies | Performance cookies are used to deliver an enhanced experience to our users. Such as push notifications, popup banners and similar things. Without those your experience on our website may be limited. |
| Analytics Cookies | Analytics cookies are used for website performance analysis. Without those we cannot optimize our website performance to better serve your needs. This includes tracking where our visitors are coming from, which pages they are viewing, which browser they are using and similar things. |
| Marketing Cookies | These cookies are used for advertisement personalization and targeting. This helps us to make sure our ads are relevant to you and similar users. They also perform important functions like preventing similar ads being shown to you, ensuring that ads display properly, measuring the efficiency and delivery of our ads campaigns. These cookies are set through our website by our advertising partners and work by uniquely identifying your device. If you do not allow these cookies, you will not experience our targeted advertising. |
| Advanced Marketing Cookies | Advanced targeting cookies are used for our advertising purposes, primarily for a better target audience definition and segmentation. Without those we cannot guarantee that you will see most specialized marketing materials. Advanced targeting cookies include such information as phone numbers, email addresses, and similar things. |
What tracking technologies (cookies) do we use on our websites?
Here you can see a full list of cookies and tracking technologies used by us on the website.
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What does consent to cookies mean?
We use different categories of cookies that can be placed. Necessary and strictly necessary cookies are placed by default, but for certain cookies that are used for analytics and targeting purposes, we ask your consent. By your consent you choose whether to allow categories of cookies in the cookie banner that appears when you visit the website.
No consent is needed for necessary cookies because these cookies are mandatory in order to show full and uninterrupted content on our website for you to be able to receive the compatible digital browsing and online experience while using our services.
What are first-party and third-party cookies and tracking technologies?
First-party cookies are set by our websites you are visiting and only we can read them.
Third-party cookies are provided by other entities than the owner of the website you are visiting. Some our websites may also contain content from other sites like Facebook, Google or other, which may set cookies of their own when you interact with their services through our website (e.g. when sharing a link to our website, the service provider you share it on may place a cookie on your browser). How this collected data is used by third parties is dependent on the privacy notice and/or cookie notice of the legal entity, which is available on the appropriate parties’ website.
How to manage cookies and tracking technologies on our websites?
If you have not set up your browser in a way that it refuses all or certain types of cookies, when visiting our website for the first time or time to time, a notification regarding the use of cookies will be displayed (cookie notification).
To accept all cookies click on the “Accept all” button or if you wish to decline cookies, the you need to click button “Cookie settings” and choose “Allow necessary cookies only”. If you reject cookies, no cookies will be installed, with the exception of those necessary for the functioning of our website – the necessary cookies. You have also possibility to choose which categories of cookies you would like to accept, after choosing “Cookie settings” you can choose suitable categories of cookies and need to confirm your selection. You can always change your cookie settings here.
Most browsers allow you to control cookies through the user preferences of your settings. If you prefer to not accept cookies you can set your browser in a way that it refuses all cookies or sends out a warning when receiving a cookie. We cannot delete the cookies that are already placed on your web browser. In case you would like to remove cookies from your device, different web browsers have help pages with information on how to remove cookies. Additional information on how to adjust settings regarding cookie preferences on the most common web browsers can be found here:
We would like to draw your attention to the fact that by deleting or refusing all cookies and tracking technologies you may lose access to certain areas or functions of our website. Adjusting cookie settings on web browser also affects other websites you visit.
How will I know if anything changes?
We keep this cookie and tracking notice under review and may change it from time to time (mostly to comply with law). Updated versions can be accessed via our websites at any time. If appropriate, you will be notified of updates through the websites, and we may ask to reconsent to the tracking technologies.
This notice was last updated May 2025.