This document outlines who we are, how we handle your personal data, and the measures we take to ensure transparency and data protection in accordance with Finnish law and the General Data Protection Regulation (EU) 2016/679 (GDPR).
First, who is Athivor?
Athivor is a platform committed to delivering accessible, clear, and relevant financial information. Our mission is to help you better understand and compare financial products and services—such as credit cards, digital banks, and loans—so you can make informed financial decisions with confidence. We prioritise your privacy and are committed to protecting your personal data with the same care we apply to our own.
This Privacy Policy outlines how Athivor and any affiliated entities process your personal data, including when promoting our own services or those of third parties. It is in line with the GDPR, the Finnish Data Protection Act (Tietosuojalaki 1050/2018), and guidance issued by the Office of the Data Protection Ombudsman.
Please note that this Privacy Policy does not apply to third-party websites or services that are outside our control. If you access such websites via our recommendations, we are not responsible for their privacy practices or terms.
What data do we collect?
To answer this question, it is essential to understand some terms that we will use throughout this Policy:
- Personal Data: Any information related to an identified or identifiable individual, including data collected by Athivor or its affiliates that, alone or combined with other data, can identify you. This may include electronic, digital, or paper-based records.
- Non-Personal Data: Data that cannot be used to identify you directly, such as site usage statistics, page views, time of access, and anonymous cookies.
- User (Data Subject): Any natural person who accesses or uses Athivor’s services, regardless of the device or platform. In this Policy, “you” or “user” refers to the data subject under GDPR.
How do we access your data?
We collect personal data depending on your use of our services and the permissions you grant. These include:
- Data you provide: When registering, filling out forms, or requesting free content (such as guides, e-books, or newsletters), you may submit data such as your name, email, phone number, date of birth, or address.
- Data from third parties: We may receive data from publicly available sources or partners, such as Google or Meta (Facebook/Instagram), based on your prior consent. This helps us improve user experience and personalise recommendations.
- Browsing data: We collect data on your interactions with our site, including visited pages, time spent, clicks, approximate geolocation, IP address, browser details, operating system, and device identifiers. While this does not identify you directly, it may qualify as personal data under the GDPR if it can be associated with you.
Why do we use your data?
Athivor uses personal data for the following lawful purposes under Article 6 of the GDPR:
- To provide personalised financial recommendations based on your profile and browsing behaviour (legitimate interest and/or consent);
- To improve your experience with our content and suggestions;
- To maintain and improve our services, develop new features, and ensure platform security;
- To comply with legal obligations, including requirements under Finnish and EU law;
- To deliver relevant advertising, including data-driven content provided by third-party networks like Google AdSense.
About advertising and cookies
Our platform is financed through advertising partnerships. We use data-driven and interest-based advertising tools to keep our content free and relevant.
We use services such as Google AdSense, which may deploy cookies (such as the DART Cookie) to show personalised ads based on your browsing habits. Please note:
- Athivor does not have access to the personal data collected via third-party cookies;
- These third-party services are governed by their own privacy policies;
- You can manage or withdraw your cookie consent at any time using your browser settings or our cookie banner;
- More details are available in our Cookie Policy.
How do we use your data?
Athivor processes your personal data for the following purposes, in accordance with Article 6(1) of the GDPR:
- Accurate and secure identification: To verify your identity and help prevent fraud, ensuring the safety of your interactions with our services (legitimate interest and/or legal obligation);
- Offering personalised services: We analyse your profile to suggest financial products and services, our own or from partners, that are more relevant to your needs (consent and/or legitimate interest);
- Improved communication: To send content, offers, and news that are useful to you, including via email (consent);
- Research and development: To conduct statistical analysis and technological improvements using aggregated or anonymised data, ensuring individual identities are not revealed (legitimate interest).
Does Athivor share your data?
Athivor does not sell your personal data. However, we may share it under specific, lawful circumstances:
- With other websites and services within the Athivor group (always visibly branded), to provide consistent services across platforms;
- With selected third-party partners, when necessary to provide services or content you have requested, or when you have provided your explicit consent;
- In anonymised or pseudonymised form, for analytical or behavioural insights;
- With processors and contractors under Data Processing Agreements (DPAs) that ensure GDPR-compliant handling of your personal data;
- In compliance with legal obligations or judicial requests, including cooperation with competent Finnish or EU authorities;
- When necessary to protect Athivor’s rights, enforce agreements, or ensure user and employee safety.
Any third party with whom we share your personal data must comply with this Privacy Policy and with applicable data protection laws, and is bound by contractual obligations not to use your data beyond the specific agreed purposes.
What are your rights and how can you contact us?
Under the GDPR and the Finnish Data Protection Act (Tietosuojalaki), you have the following rights:
- Right of access: to know whether your personal data is being processed and to access that data;
- Right to rectification: to correct inaccurate or incomplete personal data;
- Right to erasure (“right to be forgotten”): to request deletion of personal data in specific cases;
- Right to restriction: to request temporary limitation of processing;
- Right to data portability: to receive your personal data in a structured, commonly used format and transmit it to another controller;
- Right to object: to object to the processing of your data under certain conditions;
- Right to withdraw consent: to withdraw any consent given, at any time;
- Right to lodge a complaint with the Data Protection Ombudsman in Finland if you believe your rights are being infringed.
To exercise any of your rights, contact our Data Protection Officer at [email protected].
Cookies and Advertising
You can manage your cookie preferences directly through your browser or device settings. Disabling cookies may affect the functionality of certain features on the Athivor website.
If you wish to opt out of personalised ads from Google (such as those using the DART cookie), visit the relevant Google Ads Settings page or consult our Cookie Policy.
How Do We Protect Your Data?
Athivor implements technical and organisational measures aligned with Article 32 of the GDPR and Finnish data protection principles to ensure the confidentiality, integrity and availability of your data. These include:
- Access controls and authentication protocols;
- Encryption of personal data during transmission;
- Hosting on secure, globally recognised cloud infrastructures (e.g., Google Cloud);
- Internal compliance training and audits;
- Incident response procedures in line with the GDPR’s data breach notification obligations.
In case of a data breach likely to result in a high risk to your rights and freedoms, we will notify you without undue delay and report it to the Finnish Data Protection Ombudsman, in accordance with Articles 33 and 34 of the GDPR.
Important Notices
By accessing and using Athivor’s services, you confirm that:
- You are at least 18 years old or have reached the age of majority applicable in your country of residence;
- You have read and understood this Privacy Policy;
- You understand that Athivor does not request payments or sensitive information via email;
- You may be invited to participate in surveys aimed at improving our services, products and user experience;
- Any communication made with Athivor (including support requests or problem reports) may be stored and analysed to improve our services.
Privacy Policy Updates
We may update this Privacy Policy as necessary to reflect changes in the law, our practices, or new technologies. We encourage you to review it periodically.
The most recent version will always include the date of last revision below. Continued use of our services constitutes acceptance of the updated terms.
For questions, complaints or requests, contact our Data Protection Officer (DPO): [email protected]
Last updated: 22 July 2025