Privacy Policies

Handling of personal information

St1 Finance Ltd handles personal data in compliance with the binding Personal Data legislation and legislation governing Payment Institutions. St1 Finance Ltd always operates in compliance with the requirements set for payment institution secrecy and privacy protection.

Personal data is processed in order to provide and develop tasks and services related to payment institution and operations, as well as to specify and identify the data subjects for the purposes of administration of contact information, risk management, direct marketing and offering targeted services to customers, and attending to the storage, reporting and inquiry obligations subject to statutory regulations and instructions and regulations and instructions by the authorities etc.

Phone conversations are recorded and e-mails saved in an effort to confirm their contents when necessitated by circumstances or the service situation. Regulations governing payment institution secrecy and data protection prohibit the disclosure of data in the St1 Finance´s possession to outside parties without the permission of the data subject, unless otherwise decreed by law.

Personal data is collected from persons entered in the customer data file or their representatives, from public registers maintained by authorities, registers containing information on payment defaults, and other reliable sources. St1 Finance Ltd also uses personal credit information if the nature of the service or product so requires. The credit information is obtained from Suomen Asiakastieto Oy’s or Bisnode´s credit information register.

Within the restrictions of legislation St1 Finance Ltd is allowed to, disclose personal data regarding the data subject to and obtain such data from a company which belongs to the same domestic or foreign group or economic interest consortium as the bank. Data may also be disclosed to authorities. Personal data may also be disclosed in conjunction with a corporate arrangement or acquisition to a counterparty, if the disclosure of information complies with the purpose of handling the personal data.

The data subject has the right to check the personal data recorded, to demand that incorrect or insufficient information relevant to the handling of the matter be corrected or supplemented, or to demand that unnecessary or dated data be removed. The data subject also has the right to prohibit the use of their data for the purposes of direct marketing or other corresponding means of marketing. The data subject must contact St1 Finance customer service in order to make such demands. The personal data file referred to in the Personal Data Act can be obtained from St1 Finance Ltd website.


St1 Finance Ltd follows the intructions of handling Cookies published by St1 Nordic Ltd.

Use of Cookies

We may automatically collect information using "cookies".

A cookie is a small text file that is stored on the visitor’s hard drive by their browser. The text file contains information and is among other things used for supporting the visitor's use of the relevant website. We use both session cookies and persistent cookies in order to analyse usage and to develop our services.

For example We may collect the following information when using Cookies:

  • IP address;
  • time;
  • used web pages and time used there;
  • browser type, terminal operating system;
  • from which network address the user came to the webpage, and to which network address the user moves next; and
  • on which server and from which domain the user enters the webpages

In addition to the cookies used on our site, cookies are also used to target our own advertising on third- party sites. We work in partnership with online advertising technology specialists. Based on the information collected by these partners through the cookies and other technologies, our ads can be targeted to the network users most likely to be most interested in, based on past online behavior and other factors. This way, you can also use the behavioral information collected from our site's external sites.

Our partner and we can also gather information about how effective our submitted ads are. For this purpose, we can collect, for example, the following information:

  • Information about how many times a particular ad has been displayed in the browser;
  • Whether or not an ad has been opened; and
  • An indication of whether or not to open an ad for buying a product in the online store

Deleting Cookies

If you do not wish to accept cookies, you can change the security settings of your browser. Kindly note that if you do not disable the cookies, we deem that you have accepted their use.

A condition for being able to use our services is that you have accepted the use of session cookies. These cookies enable you to carry out your transactions in a simple and smooth way and they will disappear when you log out of our services.

Please note that due to the removal of cookies, some features of the site may not be available to you. If you do not want your advertising to be targeted to your interests, you can prevent targeting via the link below. After targeting is blocked, you'll see as many ads as before, but your ads have not been selected for your interest.

Please click on the below link to find out how to turn off cookies.