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, often containing a unique identification code, that the website saves to your computer’s hard drive. Cookies send information to the website to recognise your device settings and preferences.
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:
Cookies necessary for the operation of the site help us make the website more usable by enabling basic functions such as page navigation and access to secure areas of the site. The site cannot function properly without these cookies. During this process, device data (e.g., device type, device identifier, IP address, browser data), authentication-related data (e.g., login method for applications), and user choices and settings made on the website (e.g., language selection, cookie preferences) are processed. As these cookies are essential for the secure operation of services, visitors cannot opt out of them. We use these cookies based on legitimate interest.
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 | Used to store 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 | Used to remember the last selected language. | 1 year | .lhv.ee | 1st |
| LHV_LOGIN_TYPE_BKL | Stores the last selected authentication method. | 1 year | www.lhv.ee | 1st |
| LHV_LOGIN_TYPE_EE | Stores the last selected authentication method. | 1 year | www.lhv.ee | 1st |
| MENU_TOGGLE_* | Used to preserve 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 |
| SID_AUTH_DATA | Used to remember personal identification code during Smart-ID login. | 1 year | www.lhv.ee | 1st |
| MID_AUTH_DATA | Used to remember phone number during Mobile-ID login. | 1 year | 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_LOCALE | Used to remember your language setting in non-client authentication. | 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 |
| ZD-suid | A 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 | Cookie that stores the browser’s unique ID to identify devices and enable Zendesk support features. | Browser local storage | 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 |
| 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 |
| 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 |
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 http://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