Use of cookies

Fennia Mutual Insurance Company and Fennia Life Insurance Company act as independent data controllers for the personal data they process in their business and supporting activities. Fennia acts as a personal data processor on behalf of and in the name of Fennia Life when Fennia processes personal data for example for the performance of marketing or business development tasks. “Fennia” is used to refer to both controllers.

Fennia’s website includes the following domains:

• fennia.fi
• osto.fennia.fi
• henki.fennia.fi
• oma.fennia.fi.

What are cookies?

A cookie is a small text file that is stored by an internet browser on a user’s device. Cookies can be associated with a specific session ID or they can be persistent.

• With session cookies, the server sends a cookie to the user’s computer during the session. When the user closes the browser, the cookie is deleted from the computer. Session cookies do not contain personal data and are not stored on the user’s computer.
• Persistent cookies exist for a specified period of time and remain on the user’s computer after the end of the session until the end of the period or until the user deletes them. This means that persistent cookies are not automatically deleted when the user closes the browser.

Cookies can be set by first or third parties. First-party cookies are set directly by the website the user is visiting and can only be read by that website. In addition, the website may use external services that send their own cookies. These are called third-party cookies.

How do we use cookies?

We use both session-specific and persistent first- and third-party cookies on our website.

We use cookies primarily to collect data about the users and behaviour of our online service pages in order to improve the quality and functionality of our online services and thus provide a good customer experience for the users of our online services.

The data collected with cookies can also be used to personalise content, target communications and marketing, and measure the effectiveness of advertising.

We categorise the cookies we use in four different categories: essential, preference, analytics and marketing.  

Essential

Essential cookies include cookies that are necessary to ensure the normal functioning of the website. For example, these cookies store information about the user’s cookie choices and allow the user to navigate the website.

• Cookiebot (cookie banner tool)
  • allows the cookie banner to function
• Google
  • cookies are used to identify whether the user is a person or a bot
• Qualtrics survey tool
  • reads the user’s cookie choices and transmits the data to the tool
• Surveypal survey tool
  • enables the functionality of the Surveypal service
• login.fennia.fi
  • preserves users states across page requests
• fennia.fi
  • remembers the user's preferences in terms of font size and colours on the website.

Preference

Preference cookies store data such as the user’s language choice and region for the next website visit. 

• Cookiebot (cookie banner tool)
  • transmits the data regarding the user’s cookie choices on the website
• Giosg chat tool
  • allows the site’s Giosg chat tool to load and identify the user’s browser language
• henki.fennia.fi
  • identifies the user’s country and language settings
• fennia.fi
  • necessary for the functionality of the website's chat-box function.

Analytics

Analytics cookies help website owners understand how users interact with websites by collecting and reporting anonymous usage data about the use of the website. The collected data does not personally identify the user. This information is used to improve the usability of the website.

For this purpose, we use tools such as the Google Analytics application, which is an analytics tool provided by Google Inc. The application uses cookies that are stored on the computer and allow the use of the online service website to be analysed.

With cookies, we collect data such as the following about visitors to Fennia’s website:

• browser type (Internet Explorer, Chrome, Firefox, Safari, etc.), version and language
• operating system (Windows, etc.)
• pages the user has visited and when
• the web address from which the user has come to the web page in question
• from which server the user has come to the website
• the location of the user at city level (the location is identified using the IP address, but the IP address is not stored anywhere and is deleted immediately after the location is identified)
• Google 
  • enables the use of Google Analytics and collects statistical data on the use of the website
• Qualtrics survey tool
  • collects statistical data on the use of the website
• ReachMee recruitment system
  • collects statistical data on the use of the website
• fennia.fi
  • assigns a specific ID to the visitor. This allows the website to determine the number of specific user-visits for analysis and statistics.  

Marketing 

Marketing cookies are used to track website visitors. The purpose is to personalise the website and show ads that are relevant and interesting to individual users, and thus more valuable to ad publishers and third-party advertisers. These include, among other things, permanent commercial cookies on our website, which allow us to target the marketing of Fennia and our carefully selected partners on external websites based on data such as which destinations the user has searched for or which pages the user has viewed on our website.

Our website also uses social plugin services such as Facebook. If you have allowed the use of cookies on social plugin services, the service providers may set their own cookies in accordance with their privacy policy.

We may associate data obtained from cookies and other similar technologies with data obtained from the user in other contexts. However, if you do not arrive at our site through the customer messages we send, we cannot identify you through cookies alone. We use the information to personalize the website experience and target marketing communications.

When necessary, we use trusted service providers who are committed to complying with data protection legislation to help us process visitor data on our online service pages.

• Meta Platforms, Inc.
  • cookies that enable Facebook advertising
• Adform
  • cookies that enable Adform advertising
• Google
  • enables tracking for Google’s advertising management tools and ad targeting
• Microsoft
  • enables tracking for Microsoft’s advertising management tools and ad targeting
• Youtube
  • collects information about user interactions with various embedded videos provided by YouTube
• Salesforce Marketing Cloud
  • uses cookies to personalise website content and target marketing communications
• fennia.fi
  • this information is used in order to optimize the relevance of advertisement on the website.

Third-party service providers on Fennia’s website

• Cookiebot (cookie banner tool)
• Giosg chat tool
• Google Inc.
• Surveypal survey tool
• Meta Platforms, Inc.
• Microsoft
• Salesforce
• Adform
• Youtube
• ReachMee recruitment system.