Cookie Policy
Cookie Policy provides an overview of the purposes and methods by which LHV Group companies (AS LHV Pank, AS LHV Finance, AS LHV Kindlustus and AS LHV Varahaldus) use cookies and similar technologies on their website.
When using cookies, we process personal data (such as IP address, browser information, browsing history, user identifier) in accordance with the Principles of Processing Customer Data. More detailed information about the categories of personal data is provided in the table below.
What is a cookie?
Cookies and similar technologies are small text files that often contain a unique identification code and are stored by a website on your computer’s hard drive. Cookies send information to the website, allowing it to recognize your computer’s settings and preferences. A similar technology to a digital fingerprint (“device fingerprint” in English) is a small software component that creates a unique digital identifier based on the technical characteristics of the user’s device and browser (e.g. screen size, browser type, operating system). For this purpose, we use the ThumbmarkJS library.
You can change your decision about which cookies you allow us to use at any time. It is not possible to opt out of cookies that are necessary for the functioning of the site.
Cookies allow us to make the website work more efficiently and provide a better browsing experience based on your previous habits and preferences.
Thanks to cookies, our web servers recognise your devices and automatically adapt the website content to suit your settings and needs. Cookies also provide us with user statistics that allow us to measure and evaluate the performance of the website. We use the information gathered to improve usability and content.
Cookies can be added to the website by the site owner (first-party cookies) as well as by third parties (third-party cookies).
LHV Group uses several types of cookies. The types differ based on their purpose and the duration they are stored on your computer or other device (such as a tablet or phone).
Types of cookies by duration:
Permanent cookies store information on the visitor’s computer hard drive for a certain period. We use these cookies to notify the visitor of changes made to the website since their last visit.
Session cookies are stored on the visitor’s computer for the duration of the website session and are deleted immediately after closing the browser.
Types of cookies by purpose of processing:
Cookies necessary for the functioning of the website help us make the webpage more user-friendly by enabling core features such as page navigation and access to secure areas of the site. The website cannot function properly without these cookies. During this process, device data (e.g. device type, device identifier, IP address, browser information), authentication-related data (e.g. login method for applications), and information about the choices and settings made on the website (e.g. language preference, cookie selection) are processed. Since these cookies are essential for the secure operation of services and for implementing security measures aimed at risk management and fraud prevention, visitors cannot opt out of them. We use these cookies based on legitimate interest.
Functional cookies help us remember your preferences and choices to provide you with a better and more personalised browsing experience. For example, remembering your language preference and other settings.
Statistical cookies help us understand how a specific visitor uses the website. For this purpose, we use cookies from Google Analytics and PostHog to collect statistics and measure user activity on the site. This allows us to see how many people visit the site within a specific timeframe, how they navigate through it, and what they click on. Statistical cookies provide insights to improve the customer experience. For more detailed information on the use of third-party cookies (Google and PostHog) and their data processing, please refer to their privacy policies:
Google’s Privacy Policy
PostHog Privacy Policy
Advertising cookies help us manage advertisements and optimize marketing communications. We use Google and Meta cookies on our site and social media (e.g., Facebook, Instagram) to display relevant ads. For more detailed information about third-party cookie usage and data processing, please refer to: Google’s Privacy Policy and Meta’s Privacy Policy
More detailed information about cookie usage can be found in the tables below.
| Name | Description | Duration | Domain | Party |
|---|---|---|---|---|
| CLIENT_ID | Cookie that stores the user’s unique ID to detect if the website has been visited before from this browser. | 1 year | www.lhv.ee | 1st |
| COOKIES_CONSENT | Used to store the visitor’s cookie settings. | 1 year | .lhv.ee | 1st |
| CURRENT_ACCOUNT_ID | Stores the most recently selected bank account (IBAN). | Session cookie | www.lhv.ee | 1st |
| JSESSIONID | Used to maintain the session. | Session cookie | www.lhv.ee | 1st |
| LANGUAGE | Remembers the last selected language. | 1 year | .lhv.ee | 1st |
| MENU_TOGGLE_* | Preserves user preferences in the internet bank menu. | Session cookie | www.lhv.ee | 1st |
| ROUTE | Helps route requests correctly for seamless internet banking functionality. | Session cookie | www.lhv.ee | 1st |
| SSO_JSESSIONID | Used to maintain the session. | Session cookie | www.lhv.ee | 1st |
| KC_RESTART | Stores a unique value for session reinitialization. | Session cookie | www.lhv.ee | 1st |
| AUTH_SESSION_ID | Used to maintain the session. | Session cookie | www.lhv.ee | 1st |
| KEYCLOAK_IDENTITY | Used to store non-client user information in encrypted form. | Session cookie | www.lhv.ee | 1st |
| KEYCLOAK_SESSION | Used to maintain non-client authentication session. | 4 hours | www.lhv.ee | 1st |
| INSURANCE_TOGGLE | Stores the user’s insurance overview preference. | Session cookie | www.lhv.ee | 1st |
| PENSION_TOGGLE | Stores the user’s pension overview preference. | Session cookie | www.lhv.ee | 1st |
| VIEW_TOGGLE_* | Stores the user’s preferred overview setting on the website. | Session cookie | www.lhv.ee | 1st |
| VIEW_SORT_* | Stores the user’s preferred overview order setting on the website. | Session cookie | www.lhv.ee | 1st |
| consentMode | Stores user preferences for using gtag (Google Tag Manager). | Browser local storage | www.lhv.ee | 1st |
| __cf_bm | Cloudflare cookie that helps improve site loading speed by caching frequently used resources (anonymous only). | 1 hour | .fonts.net | 3rd |
| rc::a | Google reCAPTCHA cookie used to detect bots and automated requests to ensure website security. | Persistent | gstatic.com | 3rd |
| rc::c | Google reCAPTCHA session cookie used to distinguish bots from human users during a specific session. | Session cookie | gstatic.com | 3rd |
| __RequestVerificationToken | Microsoft Forms cookie used to protect against cross-site request forgery (CSRF) attacks. | Session cookie | forms.cloud.microsoft | 3rd |
| incap_ses_# | Imperva/Incapsula security service session cookie used to maintain the session and ensure security. | Session cookie | nasdaqbaltic.com | 3rd |
| visid_incap_# | Imperva/Incapsula security service cookie used to identify the user’s device and distinguish human users from bots to prevent attacks. | 1 year | nasdaqbaltic.com | 3rd |
| CookieConsent | Stores the visitor’s cookie consent settings to remember their cookie preferences. | 1 year | investor.lhv.ee | 1st |
| msal.cache.encryption | Microsoft Authentication Library cookie that stores encrypted authentication data for secure login. | Session cookie | forms.cloud.microsoft | 3rd |
| msal.version | Microsoft Authentication Library cookie that stores the authentication software version to ensure smooth login to Microsoft Forms services. | Persistent | forms.cloud.microsoft | 3rd |
| KC_STATE_CHECKER | Used to secure the Keycloak authentication process, protecting login against cross-site request forgery (CSRF) attacks. | 24 hours | lhv.ee | 1st |
| LHV.businessloanStorage.lastAcces | Stores the last access time during the business loan application process to maintain the user’s session data. | Session cookie | lhv.ee | 1st |
| LHV.mortgageloanStorage.lastAccessTime | Stores the last access time during the home loan application process to maintain the user’s session data. | Session cookie | lhv.ee | 1st |
| loginType | Stores the user’s selected login method to ensure a smooth authentication process. | Session cookie | lhv.ee | 1st |
| DEOR | Stores the user’s referral data during the loan application process to ensure a smooth application flow. | Session cookie | lhv.ee | 1st |
| CUMULUSSESSID | Cumulus/Ultrastream.tv video stream session cookie used to maintain the streaming session. | 3 days | cumulus.ultrastream.tv | 3rd |
| FormsVersion/ | Microsoft Forms cookie that stores version information to ensure the survey form functions correctly. | Persistent | forms.cloud.microsoft | 3rd |
| Name | Description | Duration | Domain | Party |
|---|---|---|---|---|
| ZD-suid | Zendesk cookie that creates a unique user ID to identify the user and provide a seamless customer support experience. | Browser local storage | www.lhv.ee | 1st |
| ZD-buid | Stores the browser’s unique ID to identify devices and enable Zendesk support features. | Browser local storage | www.lhv.ee | 1st |
| KEYCLOAK_LOCALE | Remembers your language setting in non-client authentication. | Session cookie | www.lhv.ee | 1st |
| LHV_LOGIN_TYPE_BKL | Saves the last authentication method used when using a bank link. | 1 year | www.lhv.ee | 1st |
| LHV_LOGIN_TYPE_EE | Saves the last authentication method used when logging in to the user account. | 1 year | www.lhv.ee | 1st |
| SID_AUTH_DATA | Saves the personal identification code entered when using biometric authentication, so the user does not have to enter it again each time. | 1 year | www.lhv.ee | 1st |
| MID_AUTH_DATA | Saves the phone number entered for Mobile-ID authentication, so the user does not have to enter it again each time. | 1 year | www.lhv.ee | 1st |
| jwplayerLocalId | JW Player cookie that stores a unique user identifier to remember video player settings and preferences. | Persistent | embed.television.ee | 3rd |
| FormsWebSessionId | Microsoft Forms cookie that stores the user’s session data during survey completion, ensuring a smooth user experience. | 30 days | forms.cloud.microsoft | 3rd |
| Name | Description | Duration | Domain | Party |
|---|---|---|---|---|
| _ga | Used to distinguish users. | 1 year | .lhv.ee | 1st |
| _ga* | Used to store and track session data for a specific Google Analytics 4 property. | 1 year | .lhv.ee | 1st |
| _gid | Used to store information about how visitors use a website, helping analytics reporting. | 24 hours | .lhv.ee | 1st |
| _gat | Collects information about site usage for reporting and improvement purposes. | 1 minute | .lhv.ee | 1st |
| lastSeenSurveyDate | Stores a timestamp of when the PostHog survey was last shown to the user to prevent showing surveys too frequently. | Browser local storage | www.lhv.ee | 1st |
| _ph_opt_in_out | Stores the user’s PostHog analytics preference regarding whether event tracking and related cookies are allowed. | Browser local storage | www.lhv.ee | 1st |
| ph_phc_* | Used to maintain the session. | 1 year + Browser local storage + Browser session storage | .lhv.ee | 1st |
| seenSurvey_* | Marks the PostHog survey ID that the user has already seen or closed, to avoid showing the same survey repeatedly. | Browser local storage | www.lhv.ee | 1st |
| ga# | Google Analytics cookie that stores a unique measurement ID and enables analysis of user interactions on the website. | 2 years | nasdaqbaltic.com | 3rd |
| mats-telemetry-profile-id | Microsoft Forms cookie that stores the user ID to collect statistics on survey usage and improve service quality. | Persistent | forms.cloud.microsoft | 3rd |
| lg | Nasdaq Baltic cookie used to collect statistics on website visits and user behaviour. | 1 year | nasdaqbaltic.com | 3rd |
| _ga | Google Analytics cookie used to distinguish users and collect statistics on website visits. | Persistent | nasdaqbaltic.com | 3rd |
| _gid | Google Analytics cookie that stores information about how visitors use a website, helping analytics reporting. | 24 hours | nasdaqbaltic.com | 3rd |
| Name | Description | Duration | Domain | Party |
|---|---|---|---|---|
| ar_debug | Google Ads cookie used for displaying targeted advertisements. It stores information about the user’s search and browsing habits, including ad clicks. | 26 days | .doubleclick.net | 3rd |
| datr | Facebook tracking cookie that helps Facebook monitor user online behavior to detect fraud and personalize ads. | 395 days | .facebook.com | 3rd |
| dpr | Facebook tracking cookie that stores screen resolution to optimize content display. | 2 days | .facebook.com | 3rd |
| sb | Facebook tracking cookie that enhances login and user-experience security. | 395 days | .facebook.com | 3rd |
| wd | Used to identify the user’s device during login confirmation. | 2 days | .facebook.com | 3rd |
| AEC | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 168 days | .google.com | 3rd |
| APISID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| HSID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| NID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 183 days | .google.com | 3rd |
| SAPISID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| SEARCH_SAMESITE | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 168 days | .google.com | 3rd |
| SID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| SIDCC | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 365 days | .google.com | 3rd |
| SSID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| __Secure-1PAPISID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| __Secure-1PSID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| __Secure-1PSIDCC | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 365 days | .google.com | 3rd |
| __Secure-1PSIDTS | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 365 days | .google.com | 3rd |
| __Secure-3PAPISID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| __Secure-3PSID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 400 days | .google.com | 3rd |
| __Secure-3PSIDCC | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 365 days | .google.com | 3rd |
| __Secure-3PSIDTS | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 365 days | .google.com | 3rd |
| __Secure-ENID | Used for displaying targeted advertisements. Stores information about the user’s browsing habits and ad interactions. | 384 days | .google.com | 3rd |
| IDE | Google DoubleClick advertising cookie used to display targeted ads and measure their effectiveness. It stores data about web behavior and ad preferences. | 1 year | .doubleclick.net | 3rd |
| _fbp | Used to identify the user’s device during login confirmation. | 90 days | www.lhv.ee | 3rd |
| _fbc | Facebook Pixel click-tracking cookie. Processes user data (URL parameters, clicked ads) to evaluate ad effectiveness. | 90 days | www.lhv.ee | 3rd |
| _gcl_au | Used to store and track Google Ads click identifiers for conversion measurement. | 90 days | www.lhv.ee | 3rd |
| MUID | Microsoft unique user identifier cookie that stores information about the user’s browsing habits to display relevant advertisements across Microsoft platforms. | 1 year | forms.cloud.microsoft | 3rd |
| __Secure-BUCKET | YouTube cookie used for user testing and advertisement optimisation. | 180 days | youtube.com | 3rd |
| __Secure-ROLLOUT_TOKEN | YouTube cookie used for the gradual rollout of new features and user experience testing. | 180 days | youtube.com | 3rd |
| __Secure-YEC | YouTube cookie that stores user authentication data and preferences for personalising advertisements. | Session | youtube.com | 3rd |
| __Secure-YNID | YouTube cookie used to identify the user and track browsing habits for targeted advertising purposes. | 180 days | youtube.com | 3rd |
| LAST_RESULT_ENTRY_KEY | YouTube cookie that stores the user’s last search result to improve content and advertisement recommendations. | Session cookie | youtube.com | 3rd |
| LogsDatabaseV2:V#||LogsRequestsStore | YouTube local database that stores website performance and user activity logs for analysis. | Persistent | youtube.com | 3rd |
| ServiceWorkerLogsDatabase#SWHealthLog | YouTube cookie used to monitor video player performance and detect errors. | Persistent | youtube.com | 3rd |
| TESTCOOKIESENABLED | YouTube cookie used to check whether the user’s browser supports cookies. | 24 hours | youtube.com | 3rd |
| VISITOR_INFO1_LIVE | YouTube cookie that stores the user’s preferences and previous interactions with YouTube for customising advertisements. | 180 days | youtube.com | 3rd |
| YSC | YouTube session cookie used to track the user’s video session and measure advertisement effectiveness. | Session cookie | youtube.com | 3rd |
| yt-icons-last-purged | YouTube cookie that manages the icon cache clearing time to optimise video player performance. | Persistent | youtube.com | 3rd |
| ytidb::LAST_RESULT_ENTRY_KEY | YouTube local database that stores the last query result to improve the user experience. | Persistent | youtube.com | 3rd |
| YtIdbMeta#databases | YouTube metadata database that manages local databases to support video player functionality. | Persistent | youtube.com | 3rd |
| ___utmvc | Nasdaq Baltic cookie used to track user behaviour and measure the effectiveness of marketing campaigns. | 24 hours | nasdaqbaltic.com | 3rd |
You can change your decision about which cookies you allow us to use at any time. To withdraw consent, click “Change cookie preferences”.
Cookies necessary for the functioning of the site cannot be declined. You can delete all cookies already stored on your device by clearing your browser’s browsing history. This will remove all cookies from all sites you’ve visited. Please note that deleting cookies may impact site performance, including online banking services.
Managing cookies varies slightly by browser. Learn how to manage cookies in the most commonly used browsers at https://www.allaboutcookies.org/manage-cookies/.
If you have any questions regarding the use of cookies or wish to exercise your rights related to the processing of personal data, please contact us. You can find information about customer rights in the Principles of Processing Customer Data.
You can contact LHV Group companies at:
Address: Tartu mnt 101, 10145 Tallinn
Email: info@lhv.ee
Phone: +372 6 800 400
You can also contact LHV’s Data Protection Officer regarding these matters:
Address: Tartu mnt 101, 10145 Tallinn
Email: compliance@lhv.ee