Cookie policy
Consent to the use of cookies on zmarta.se, freedomfinance.se and elskling.se
We use cookies and similar tracking tools to keep our website reliable and secure, to measure performance and to provide you with a personalized experience and personalized marketing. Below we explain in detail which tools we use, their purposes, the type of data each of them collects and how you can manage your settings.
Cookies and similar tracking technologies
Cookies are small files that your browser stores on your computer, tablet or smartphone (hereinafter referred to as "device") when you visit our website. They are used to "remember" you and your preferences, either for a single visit through a so-called session cookie or for several repeated visits with a so-called persistent cookie.
We use first-party and third-party cookies. First-party cookies come from our website and only send information to us. Third-party cookies are placed on our websites by our service providers and send information to these third parties. We provide you with more information about the third parties we work with, including a link to their privacy policy in the "What cookies we use" section below.
In addition, we and our service providers use other common technologies, including small graphics called pixels and server-to-server APIs, used in connection with the provision of our services to track your use of our website. This also includes sharing information with third parties to enable the creation of so-called "audiences". Below, cookies and these other tracking tools are collectively referred to as "cookies".
We only use cookies if you give us your consent or if the processing is necessary for you to use our service.
Cookie settings
We offer you the option to allow and manage the cookies we use in the form of a pop-up window when you first visit our website ("cookie banner"). In this cookie banner, you can choose which category of cookies you want to accept. You can change your choices at any time by clicking here.
However, be aware that a change in your settings does not automatically delete old cookies. You can delete these old cookies via the settings in your browser.
Cookie categories
Cookies can be divided into different categories:
Necessary cookies are used to maintain our services. For example, they ensure the technical performance of our website, help us secure the website and prevent fraud. Necessary cookies cannot be deactivated, but you can delete them via the settings in your browser.
Preference cookies enable us to remember website settings you may have chosen that affect how our website behaves or looks, such as a preferred language or your username and password so you can log in automatically.
Statistics cookies allow us to count visits and website traffic so that we can collect insights e.g. which pages are most popular and see how visitors move around the site. For example, we can determine which pages you viewed, how long you spend on them, or where you came to our website from. If you do not accept these cookies, some or all of these services may not function properly.
Marketing cookies helps us provide you with relevant content that matches your interests. These cookies may be placed through our website by our service partners or us, to create a profile of your interests and show you relevant content on our and third party websites. In order to deliver content tailored to your interests, we will use your interactions along with personal information you have provided to us on our website. In order to present relevant content to you on third-party websites, we will share this information and a customer identifier, such as an encrypted email address or device ID, with third parties such as Google or Meta. In order to make the content as interesting as possible for you, we can link this data between the different devices you use.
Data processed by preference cookies, statistical cookies or marketing cookies is based on your consent according to Art. 6(1) a GDPR, which you have given us by making your choice in the Cookie Banner. Any consent given can be revoked at any time in the cookie banner (see the "Cookie settings" section above).
Which cookies we use
1. Necessary cookies
In the following table you can see the type of necessary cookies we and our service providers use and what their purpose is. You can find a detailed overview of all cookies including name and expiration date in the cookie banner by clicking here.
| Supplier | Technology used | Purpose |
|---|---|---|
| Zmarta | session cookie and persistent cookie | We use various first-party cookies on our website. This includes a cookie that allows us to see if the user is logged in to the part of our website that is only available to registered users. Furthermore, we use cookies that enable users to go through multi-step forms without losing the information from where the user came (e.g. broker ID and other tracking parameters). This is essential to attribute the correct commission to our partners and to be able to offer our services to users. In addition, we use a cookie to help us present different content on our website to enable so-called A/B testing. |
| Cookie bot | persistent cookie | We use Cookiebot, a service from Usercentrics A/S, to store consent and cookie preferences of a user visiting our website. It is also used to detect if a user has previously given their consent and cookie banners will then not be displayed again when visiting the website. |
2. Preference cookies
In the following table you can see the type of preference cookies we and our service providers use and what their purpose is. You can find a detailed overview of all cookies including name and expiration date in the cookie banner by clicking here.
| Supplier | Technology used | Purpose |
|---|---|---|
| Zmarta | persistent cookies | These cookies allow us to store the values that users enter in the application forms (eg the loan amount of a loan) so that this information is still available to users when they return or go to another part of the website. |
| Imbox | persistent cookies | We use Imbox Sweden AB's services to communicate with users directly on the website via a chatbot. These cookies identify users across different devices and visits to optimize this feature of our website. |
3. Statistics cookies
In the following table you can see the type of statistical cookies we and our service providers use and what their purpose is. You can find a detailed overview of all cookies including name and expiration date in the cookie banner by clicking here.
| Supplier | Technology used | Purpose |
|---|---|---|
| Zmarta | session cookies persistent cookies | We use this cookie to share data between different systems on our website. This includes, for example, data if a user has interacted with a calculator or expanded fields in a form. This helps to understand user behavior on the website. |
| session pixel persistent cookies | We use the services of Google Ireland Limited to use Google Analytics. Google Analytics is a web analysis tool used to measure your behavior on our website. This data is used to measure audiences and improve the services we offer our customers and users. Measuring how users use our website helps us understand what they find valuable and design more relevant experiences and guide business decisions. With these cookies, we can understand how users navigate around our website, when and how many times they have visited our website and identify them on different devices. | |
| Hotjar | session cookies persistent cookies | We use services from Hotjar Ltd. to use Hotjar's analytics service. Hotjar is a statistics service that allows us to better understand our users' needs and to optimize this service and experience (how much time they spend on which pages, which links they choose to click on, what users appreciate and don't like, etc.). |
4. Marketing cookies
In the following table you can see the type of marketing cookies we and our service providers use and what their purpose is. You can find a detailed overview of all cookies including names and expiration dates in the cookies banner by clicking here.
| Supplier | Technology used | Purpose |
|---|---|---|
| session cookies persistent cookies session pixel |
We use services provided by LinkedIn Ireland Unlimited Company ("LinkedIn") which allow us to
collect information about your use of our website. We have integrated the "LinkedIn Insights Tag" on our website to track you on our website and show you ads on other websites based on your interests. To achieve this, LinkedIn uses cookies to store data such as your IP address, time stamps and page views. LinkedIn then provides us with anonymized reports containing data related to advertising activity and information about your interaction with our website. This way we learn, for example, which LinkedIn ad or interaction on LinkedIn brought you to our website. This does that we can better control how our ads are displayed For more information visit https://www.linkedin.com/help/linkedin/answer/67595/ We also use LinkedIn's "Matched Audiences" remarketing feature to segment our website visitors into groups based on the actions they have taken on our website. This allows us to define target groups of users based on certain characteristics, which are then shown targeted ads on LinkedIn. We may also use data collected through Matched Audiences to serve ads to LinkedIn users with similar characteristics. These groups are called "Lookalike Audiences" and help us optimize our ads and target them to other LinkedIn users who match the Matched Audiences criteria. You can find more information about Matched Audiences at https://www.linkedin.com/help/lms/answer/a420552 You can prevent LinkedIn from analyzing your usage behavior and from showing interest-based recommendations at https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out |
|
| Oath | session pixel persistent cookies |
We use services from Oath Inc ("Oath") that allow us to collect information about your use of
our website. With these cookies, we track your actions on our website. Such tracking allows us to provide interest-based advertising to you when you visit Oath websites such as Yahoo. We may also track the effectiveness of our ads for statistical and market research purposes by seeing if users were redirected to our website after clicking on an ad on Oath's websites. You can find more information about this at https://developer.yahooinc.com/native/guide/native-dsp-migration-guide/pixels/ and https://developer.yahooinc.com/native/advertiser/guide/targeting/track-conversions/track-website-conversions/ You can find more information on how to change how ads are shown to you on Oath's websites here: https://legal.yahoo.com/xw/en/yahoo/privacy/optout/index.html |
| Microsoft | persistent cookies | We use services from Microsoft Ireland Operations Limited ("Microsoft") which allow us to
collect information about your use of our website. Microsoft's "Universal Event Tracking" (UET) feature enables us to track users' activities on our website once they have reached our website through advertisements from Bing Ads. If you reach our website through such an advertisement, a Bing UET tag is integrated into our website. This is a code that, together with a cookie, is used to store information about how the website is used. This includes, among other things, the length of the visit, which parts of the website were visited and which ad the user used to get to the website. This enables performance measurement of interest-based advertising on Bing, other Microsoft services and the advertising network of Microsoft partners ("Microsoft Sites"). In addition, it allows us to better target our ads to users based on past behavior and we can reach users who have previously clicked on our ads or visited our website. You can find more information about UET at https://help.bingads.microsoft.com/#apex/3/en/53056/2 We also use Microsoft's "Custom Audiences" remarketing feature to segment our website visitors into groups based on the actions they have taken on our website. This allows us to define target groups of users based on certain characteristics, which then serve targeted ads on Microsoft websites. We may also use data collected through Custom Audiences to serve ads to Microsoft users with similar characteristics. These groups are called "Similar Audiences" and help us optimize our ads and target them to other Microsoft users who match the criteria for Custom Audiences. You can find more information about Custom Audience at https://help.ads.microsoft.com/apex/index/3/en/56849 and about Similar Audiences a You can change how ads are shown to you on Microsoft websites here: https://account.microsoft.com/privacy/ad-settings/ |
| session pixel persistent cookies |
We use services provided by Google Ireland Limited ("Google") which allow us to collect
information about your use of our website. Google's "Conversion Tracking" feature enables us to track users' activities on our website once they have reached our website via Google Ads. When you click on an advertisement by Google, a Google tag is integrated on our website. This is a code used to store information about how the website is used. This includes, among other things, the visit, which parts of the website were visited and which ad the user used to get to the website. The information obtained is used to create conversion statistics. Here we find out the total number of users who have clicked on one of our ads and who have then been redirected to a page on our website. However, we do not receive any information with which users can be personally identified. https://policies.google.com/privacy To improve the measurement of our online conversions, we also use Google's analysis service "Enhanced Conversions" on our website. By using Enhanced Conversions, self-collected data that the user provides on the website can be treated as hash values and assigned to the corresponding user's Google accounts if the user was logged in when an interaction with the ad took place. The data collected in this way helps us to target visitors more effectively, to track conversions that would otherwise not have been recorded and to optimize our offer. We may collect names, email addresses, telephone numbers, addresses, customer-provided identifiers and online identifiers (including IP addresses). https://support.google.com/google-ads/answer/9888656 Since conversions sometimes do not take place on our website but rather in the offline world, such as our call center, we also use Google's "Offline Conversion Imports" service. This allows us to understand conversions that started with an ad click but were completed offline. To achieve this, we share a so-called "Google Click ID" and the type of conversion with Google. You can find more information about this at https://support.google.com/google-ads/answer/2998031 We also use Google's remarketing feature "Custom Match" to segment our website visitors into groups based on the actions they have taken on our website. This allows us to define target groups of users based on certain characteristics, which are then shown targeted ads on Google websites. If there is a match, users can be shown targeted search results in Google search queries or when using things like Gmail or YouTube. Google can only recognize you if you have a Google account. You can find more information about Custom Audiences at https://support.google.com/google-ads/answer/6334160 |
|
| Snap | session pixel session cookies persistent cookies |
We use services from Snap Inc. ("Snap") that allow us to collect information about your use of
our website With the so-called "Snap Pixel" and Snap's server-to-server technology "Conversion API", we track your behavior on our website ("Conversion Tracking"). Such tracking allows us to provide interest-based ads to you when you visit Snap's social network Snapchat. We may also track the effectiveness of our ads for statistical and market research purposes by seeing if users were redirected to our website via an ad on Snapchat. You can find more information about conversion tracking at https://businesshelp.snapchat.com/s/topic/0TO0y000000YVdJGAW/snap-pixel and https://businesshelp.snapchat.com/s/topic/0TO8b000000crUBGAY/conversions-api We also use Snap's "Custom Audiences" remarketing feature to segment our website visitors into groups based on the actions they have taken on our website. This allows us to define target groups of users based on certain characteristics, which are then shown targeted ads on Snapchat. We may also use data collected through Custom Audiences to serve ads to Snapchat users with similar characteristics. These groups are called "Lookalike Audiences" and help us optimize our ads to target other Snap users who match the criteria for Custom Audiences. You can find more information about Custom Audiences at https://businesshelp.snapchat.com/s/article/custom-audiences and Lookalike Audience at https://businesshelp.snapchat.com/s/article/create-lookalike-audience You can find more information on how to change how ads are shown to you on Snapchat here: https://values.snap.com/privacy/privacy-center |
| Tiktok | session cookies persistent cookies |
We use services provided by TikTok Technology Limited ("TikTok") which allow us to collect
information about your use of our website With the so-called "TikTok Pixel" and TikTok's server-to-server technology "Events API", we track your actions on our website ("Conversion Tracking"). Such tracking allows us to provide interest-based ads to you when you visit TikTok. We may also track the effectiveness of our ads for statistical and market research purposes by seeing if users were redirected to our website via an ad on TikTok. You can find more information about Conversion Tracking at https://ads.tiktok.com/help/article?aid=9663 and https://ads.tiktok.com/help/article?aid=10003669 We also use TikTok's "Custom Audiences" remarketing feature to segment our website visitors into groups based on the actions they take on our website. This allows us to define target groups of users based on certain characteristics, which are then shown targeted ads on TikTok. We may also use data collected through Custom Audiences to serve ads to TikTok users with similar characteristics. These groups are called "Lookalike Audiences" and help us optimize our ads to target other TikTok users who match the criteria for Custom Audiences. You can find more information about Custom Audiences at https://ads.tiktok.com/help/article/custom-audiences and Lookalike Audience at https://ads.tiktok.com/help/article/lookalike-audience You can find more information on how to change how ads are shown to you on TikTok here: https://www.tiktok.com/legal/cookie-policy |
| Meta | session pixel persistent cookies server-to-server API |
We use services provided by Meta Platforms Ireland Limited ("Meta") which allow us to collect
information about your use of our website With the so-called "Meta Pixel" and Meta's server-to-server technology "Conversion API", we track your actions on our website ("Conversion Tracking"). Such tracking allows us to provide interest-based ads to you when you visit one of Meta's social networks (e.g. Facebook or Instagram). We may also track the effectiveness of our ads for statistical and market research purposes by seeing if users were redirected to our website via an ad on a meta platform. Even if you are not registered on any Meta social network or have not logged in, there is a possibility that Meta can recognize your IP address and other identifiers. You can find more information about conversion tracking at https://developers.facebook.com/docs/meta-pixel/implementation/conversion-tracking We also use Meta's remarketing feature "Custom Audiences" to segment our website visitors into groups based on the actions they have taken on our website. This allows us to define target groups of users based on certain characteristics, which are then shown targeted ads on Meta's social network. We may also use data collected through Custom Audiences to serve ads to Meta Users with similar characteristics. These groups are called "Lookalike Audiences" and help us optimize our ads to target other meta-users who match the criteria for Custom Audiences. You can find more information about Custom Audiences at https://developers.facebook.com/docs/meta-pixel/implementation/custom-audiences/ In addition, we use "Advanced Matching" which allows us to transmit additional data that we collect through our website such as name, email address or phone number to Meta in encrypted form. This helps us attribute more conversions and reach more people even if users are not logged in to a Meta account when they visit our site. You can find more information about Advanced Matching at https://www.facebook.com/business/help/611774685654668?id=1205376682832142 You can change how ads are shown to you on Meta social networks here: https://www.facebook.com/help/568137493302217 |
Changes to the cookie policy
We update our cookie policy continuously. Check it regularly to get the latest version.
Questions?
Here are our contact details:
Zmarta
Att. Data protection/Legal
Box 1068
262 21 Ängelholm
info@zmarta.se
You can also contact our Data Protection Officer at dpo@zmartagroup.com.
For a more detailed description of how we process personal data, see our Data Protection Policy.