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 institutionby 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?
We use cookies and other tracking technologies on our website to ensure its proper functioning, improve your experience, analyse website usage, and deliver relevant advertising.
We have divided these technologies into five categories. You can accept all cookies or choose which categories to allow. By accepting a category, you consent to the use of all cookies and tracking technologies within that category. A detailed list of the technologies used is available below.
You can change your preferences or withdraw your consent at any time through the cookie settings. Cookies that are strictly necessary for the website to function cannot be disabled.
Necessary Cookies
Necessary cookies ensure that the website's essential functions work properly and securely. They are used, for example, to manage user sessions, enable account login, and remember your cookie preferences. Without these cookies, certain parts of the website may not function correctly.
Performance Cookies
Performance cookies help us improve the website's performance and overall user experience. They may be used, for example, to monitor loading times, website reliability, and technical issues. Disabling these cookies will not prevent you from using the website's essential features, but it may limit our ability to improve its performance.
Analytics Cookies
Analytics cookies help us understand how visitors interact with our website. For example, they allow us to see which pages are visited, how visitors reach our website, and which devices or browsers they use. This information helps us improve the website and provide a better user experience.
Marketing Cookies
Marketing cookies are used to personalise advertisements, define target audiences, and measure the effectiveness of advertising campaigns. They may also help limit how often you see the same advertisement.
These cookies may also be placed by our advertising partners through our website. They may allow your device or browser to be recognised and your activity to be associated across different websites or services.
If you do not allow marketing cookies, you may still see advertisements, but they may not be tailored to your interests or online activity.
Advanced Marketing Cookies
Advanced marketing cookies and related tracking technologies are used for more precise advertising targeting and audience segmentation. With your consent, additional information, such as identifiers derived from your email address or phone number, may be used to match your data with advertising platform users or audiences.
These technologies help us deliver more targeted advertisements and evaluate the effectiveness of advertising campaigns. Disabling them will not affect your ability to use the website or prevent you from seeing advertisements, but it will limit more advanced advertising targeting.
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.