Cookie Policy
Holvi uses cookies in the website www.holvi.com and other affiliate sites (collectively ‘the site’).
Holvi Cookies Policy explains what cookies are, how Holvi uses the cookies, how third-parties Holvi partners with may use cookies on the site, and user choices regarding cookies. Please read this Cookies Policy in conjunction with Holvi Privacy Notice, which sets out additional details on how Holvi uses personally identifiable information and user’s various rights.
What is a Cookie?
To build a first line defense against fraud, to serve our customers better and to provide the best possible experience for everyone using the Holvi site and services, Holvi may place small data files on a user’s computer or other device. These data files may be cookies, pixel tags, “Flash cookies,” or other local storage provided by a user’s browser or associated applications (collectively “cookies”). Some of these cookies are necessary to secure the site and enable the use of the Site, but for other cookies we always ask for your consent.
You can easily control your cookie settings through our partner Onetrust. You are able to accept all or only part of the optional cookies to be placed into your browser. You are able to withdraw your consent at any time from each cookie group. If you choose not to use cookies, you are still able to use our website, but some of its features might be affected.
Cookies we may use
Below is a detailed list of the cookies we use on our website. Our website is scanned with our cookie scanning tool regularly to maintain a list as accurate as possible. We classify cookies in the following categories:
Strictly Necessary Cookies
These cookies are necessary for the site to function and cannot be switched off in Holvi systems. A user can set their browser to block or alert you about these cookies, but some parts of the site will not then work.
| Cookie Subgroup | Provider | Cookies used |
|---|---|---|
| Strictly Necessary | Cloudflare, Inc. | __cf_bm, __cfruid, _cfuvid, cf_chl_cc_xxxxxxxxxxxxxxxxxxxxx |
| Strictly Necessary | Google Ireland Limited (Google Tag Manager) | _dc_gtm_UA-xxxxxxxx |
| Strictly Necessary | Holvi Payment Services Oy | csrftoken |
| Strictly Necessary | HubSpot, Inc. | hs_ab_test |
| Strictly Necessary | OneTrust, LLC | OptanonAlertBoxClosed, OptanonConsent |
Performance Cookies
These cookies allow Holvi to count visits and traffic sources so Holvi can measure and improve the performance of the site. They help Holvi to know which pages are the most and least popular and see how visitors move around the site. If a user does not allow these cookies, Holvi will not know when the user has visited the Holvi site, and will not be able to monitor its performance.
| Cookie Subgroup | Provider | Cookies used |
|---|---|---|
| Performance | Google Ireland Limited | OTZ |
| Performance | Google Ireland Limited (Google Ads / DoubleClick) | _gclxxxx, ar_debug |
| Performance | Google Ireland Limited (Google Analytics) | FPGSID, FPID, _ga, _ga_devsite, _ga_xxxxxxx, _ga_xxxxxxxxxx, _gat, _gid |
| Performance | Holvi Payment Services Oy | _gtmeec |
| Performance | Hotjar Ltd. | _hjAbsoluteSessionInProgress, _hjFirstSeen, _hjHasCachedUserAttributes, _hjIncludedInPageviewSample, _hjSessionUser_xxxxxx, _hjSession_xxxxxx, _hjTLDTest |
| Performance | HubSpot, Inc. | __hssc, __hssrc, __hstc |
| Performance | Microsoft Deutschland GmbH (Bing Ads) | _uetvid |
| Performance | Microsoft Deutschland GmbH (Clarity) | _clck, _clsk |
| Performance | Reddit, Inc. | _rdt_uuid |
| Performance | Twilio Inc. (Segment) | ajs_anonymous_id, ajs_user_id |
| Performance | Wingify Software Private Limited | _vwo_uuid_v2 |
| Performance | Zendesk, Inc. (Zopim Chat) | AWSALB, AWSALBCORS |
Functional Cookies
These cookies enable the site to provide enhanced functionality and personalisation. They may be set by Holvi or by third party providers whose services Holvi has added to our pages. If the user does not allow these cookies then some or all of these services may not function properly.
| Cookie Subgroup | Provider | Cookies used |
|---|---|---|
| Functional | Cloudflare, Inc. | __cf_bm, cf_clearance |
| Functional | Google Ireland Limited | OTZ, __Host-GAPS |
| Functional | Holvi Payment Services Oy | lang |
| Functional | HubSpot, Inc. | hubspotutk |
| Functional | Microsoft Deutschland GmbH (Bing Ads) | MUID |
| Functional | Microsoft Deutschland GmbH (Clarity) | ANONCHK, CLID, MR, SM |
| Functional | Pinterest, Inc. | _pin_unauth |
| Functional | WP SYNTEX (Polylang) | pll_language |
| Functional | Twilio Inc. (Segment) | tld, ajs_anonymous_id |
| Functional | Workable Software Limited | wmc |
| Functional | Zendesk, Inc. | __zlcid, __zlcmid, __zlcstore, _help_center_session, _zendesk_authenticated, _zendesk_session, _zendesk_shared_session, request_method |
Targeting Cookies
These cookies may be set through the Holvi site by advertising partners. They may be used by those companies to build a profile of user interests and show relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying a user’s browser and internet device. If a user does not allow these cookies, the user will experience less targeted advertising.
| Cookie Subgroup | Provider | Cookies used |
|---|---|---|
| Targeting | Nextroll, Inc. | __adroll, __adroll_consent_params, __adroll_fpc, __adroll_shared, te, receive-cookie-deprecation |
| Targeting | Audio-ad platform (Spotify / Taptap Digital) | __spdt |
| Targeting | BidSwitch Inc. | c, tuuid, tuuid_lu |
| Targeting | Cloudflare, Inc. | __cf_bm, _cfuvid, cf_chl_2, cf_chl_3, cf_chl_rc_m |
| Targeting | Google Ireland Limited | CONSENT |
| Targeting | Google Ireland Limited (Google Ads / DoubleClick) | FPLC, GCL_AW_P, IDE, __ar_v4, _gcl_au, _gcl_aw, test_cookie |
| Targeting | Google Ireland Limited (Google Analytics) | _gat_UA-XXXXXX-X, _gat_gtag_xxxxxxxxxxxxxxxxxxxxxxxxxxx, _gat_xxxxxxxxxxxxxxxxxxxxxxxxxx |
| Targeting | Google Ireland Limited (Google reCAPTCHA) | _GRECAPTCHA |
| Targeting | Holvi Payment Services Oy | csrftoken |
| Targeting | Index Exchange Inc. | CMID, CMPRO, CMPS |
| Targeting | LinkedIn Corporation | AnalyticsSyncHistory, UserMatchHistory, bcookie, bscookie, li_gc, li_sugr, lidc |
| Targeting | LinkedIn Corporation (Oribi) | ln_or |
| Targeting | Meta Platforms, Inc. | _fbp, fr, sb |
| Targeting | Microsoft Deutschland GmbH (Bing Ads) | MR, MSPTC, MUID, SRM_B, _uetsid, XANDR_PANID, anj, receive-cookie-deprecation, uuid2 |
| Targeting | Microsoft Deutschland GmbH (Xandr) | XANDR_PANID, anj, receive-cookie-deprecation, uuid2 |
| Targeting | PubMatic, Inc. | KRTBCOOKIE_XXXX, KRTBCOOKIE_xxxx, PugT |
| Targeting | Reddit, Inc. | _rdt_uuid |
| Targeting | Twilio Inc. (Segment) | ajs_user_id |
| Targeting | ShareThis, Inc. | sharethis_cookie_test |
| Targeting | Tapad, Inc. | TapAd_3WAY_SYNCS, TapAd_DID, TapAd_TS |
| Targeting | TikTok Technology Limited | _tt_enable_cookie, _ttp, ttcsid, ttcsid_XXXXXXXXXXXXXXXXXXXXCategory |
| Targeting | X Corp. | personalization_id |
| Targeting | Google Ireland Limited (YouTube) | CONSENT, TESTCOOKIESENABLED, VISITOR_INFO1_LIVE, VISITOR_PRIVACY_METADATA, YSC, __Secure-xxxxxxx |
Holvi utilises Google Analytics, a third-party web analytics service provided by Google Inc., to analyse website usage and generate reports and statistics using cookies. These cookies gather information about website visitors, such as how users find the site and interact with it, enabling us to improve and develop the website while also helping us conduct our advertising and marketing activities in a more personalised and cost-effective manner. More information can be found at https://business.safety.google/privacy/.
User can opt-out of each cookie category (except strictly necessary cookies) by clicking on the “cookie settings” button below:
Cookie SettingsThird-party SDKs in the Holvi App
The Holvi App uses mobile application software development kits (“SDKs”) provided by certain trusted third parties. An SDK is a piece of software embedded in the mobile app that allows us, or the third party that built it, to offer a specific feature – for example, verifying your identity, displaying your card details, or helping us understand how the app is used so we can improve it. Some of these SDKs collect information about the app itself, how you use it, and the device you’re using, on behalf of the third party that provides them. Where this happens, that third party processes the data in accordance with its own privacy policy, not this Notice. We only work with providers we trust, and we encourage you to consult their policies for details on how they handle your data.
The table below sets out the third-party SDKs we use in the Holvi App and why:
| SDK / Library | Provider | Description | Vendor Privacy Policy |
|---|---|---|---|
| IDnow SDK | IDnow GmbH | Runs the identity verification session when you open an account or need to re-verify. | Privacy Policy |
| IDnow eID SDK | IDnow GmbH | Identity verification using the chip in a German ID card. | Privacy Policy |
| IDnow Platform | IDnow GmbH | Shared runtime the IDnow SDKs depend on. | Privacy Policy |
| AUTHADA Authentication Library | AUTHADA GmbH | eID-based authentication; requires a mandatory AUTHADA backend component that receives eID data transiently, deletes it after forwarding to the relying party. | Privacy Policy |
| MeaWallet Card Data | MeaWallet AS | Securely retrieves and displays your full card details — number, expiry date and CVV — inside the app. | Privacy Policy |
| MeaWallet Push Provisioning | MeaWallet AS | Adds your Holvi card to Google Wallet / Apple Wallet. | Privacy Policy |
| Sentry | Functional Software, Inc. d/b/a Sentry | Captures crashes and errors so we can diagnose and fix them. | Privacy Policy |
| Segment Analytics | Twilio Inc. | Collects product analytics events and routes them to our analytics tools. | Privacy Policy |
| Firebase Analytics | Google Ireland Limited | Measures how the app is used, so we can see which features people rely on. | Privacy Policy |
| Firebase Cloud Messaging | Google Ireland Limited | Delivers push notifications to your device. | Privacy Policy |
| Firebase Dynamic Links | Google Ireland Limited | Opens the right screen in the app when you follow a Holvi link. | Privacy Policy |
| Google Play Install Referrer | Google Ireland Limited | Reports which campaign or link an install came from. | Privacy Policy |
| Google Play In-App Review | Google Ireland Limited | Shows the in-app prompt asking you to rate the app. | Privacy Policy |