Arcadia Finance Privacy Statement

Arcadia Finance’s services are here for you when you need to apply for a loan. We will forward your loan application to a loan broker who will tender out your application to banks and finance companies. Arcadia Finance markets licensed loan brokerage services of many of various companies. We will also help you apply for a loan by comparing different banks and finance companies, and we will also share some useful financial tips with you.

Arcadia Finance is an online service owned and operated by Draivi Media Oy. Draivi Media Oy is committed to protecting the privacy of users of the Arcadia Finance website in accordance with the Personal Data Act (523/1999), the Electronic Communications Data Protection Act (516/2004) and other applicable legislation.

The purpose of this Privacy Statement (“Privacy Statement”) is to tell you what type of information we collect from users of our Site (“User”, “You”), how we use that information and how we disclose that information to third parties. In this Privacy Statement, we also describe the cookie policies on our Website and on third-party sites. Please read the Privacy Statement carefully. By using the Site, you consent to the processing of your personal information in accordance with the Privacy Statement.

You can find our company’s personal data description here: Registry description

1. The information we collect and the regular sources of information

We collect personal information from the user in connection with the use of the Website, for example in connection with a loan application completed through the Website, in connection with customer service transactions and otherwise directly from the user. In addition, the cookies and other technologies described below allow us to collect information about how you use the Site and our services.

The personal information we collect from users when they use the Site includes information necessary for the purpose of processing personal information. For example, we are allowed to collect the following information:

  • Contact information such as name, mailing address, shipping address (if different from mailing address), phone number, email address
  • Registration information, such as a user name, password, or other unique identifier
  • Date of birth, sex
  • User-provided profiling and interest information
  • Information about your use of the Site and our services and your customer relationship, such as payment contact and payment card information or bank account information, customer feedback information, order information
  • Information related to direct marketing authorizations or prohibitions
  • Any other information collected with the user’s consent

If you use a third-party service operated by a third party to register and / or log in to the Site, the third-party service may collect personal data (such as your username and email address) that is available in accordance with that service’s terms of use and privacy policy.

2. Personal information

When you register on our site, we will ask you for your personal and financial information and other relevant information needed to process your credit. We share the information we receive with our creditors. See Processing Your Personal Information for more information.

We may also process your personal information for the following purposes:

  • Communication related to the site and our services, customer relationship management;
  • Producing, providing, developing, improving and protecting the Site and our services;
  • User-specific Site personalization and targeted advertising;
  • Site analysis and statistics;
  • Market research and electronic direct marketing in accordance with the Personal Data Act and the Electronic Communications Data Protection Act;
  • Prevention and detection of abuse;
  • Protecting the rights and / or property associated with the Site; and
  • Other similar uses

3. Cookie Policy

Cookies used on the website

We collect data about the user’s terminal device on the Website through cookies and other similar technologies.

A cookie is usually a small text file that your Internet browser stores on your terminal device to identify and re-identify the user. Cookies allow us to identify your browser and use the information we receive, for example, to count the browsers that visit our website and to analyse the use of our website, such as statistical tracking. Our goal is to develop our service to better serve our users.

Cookies can be used to collect the following data (among others):

  • user’s IP address;
  • time of day;
  • the pages used and the time spent on them;
  • browser type, operating system of your terminal device;
  • from which web address the user has come to the Site, and to which web address the user will go after using the Site; and
  • from which server and domain the user has come to the Site

The website may also contain cookies from third parties, such as measurement and tracking services. Third parties may install cookies on your terminal device when you visit our website.

Cookies on third party sites

In addition to the cookies used on our website, cookies are also used to target our own advertising on third-party websites. We work with companies that specialize in online advertising technology. Based on information collected by these partners through cookies and other technologies, our ads may be targeted to those network users who are most likely to be interested in our ads based on past web behaviour and other factors. Information collected from sites outside of our Site may also be used for targeting ads.

In addition, both our partners and we are allowed to collect information about the effectiveness of our ads. For example, we are authorized to collect the following information for these purposes:

  • The number of times a particular ad was displayed in a browser.
  • whether the ad has been clicked on; and
  • whether opening the ad led to the purchase of the product in the online store

Block cookies and targeted advertising

You can control the extent to which you agree to the use of cookies and targeted advertising.

You can prevent the use of cookies by changing your browser settings. Please note that as a result of deleting cookies, some functions on the website may not be available to you.

If you don’t want ads to be targeted to your areas of interest, you can block targeting via the link below. After blocking targeting, you will see as many ads as before, but no ads have been selected based on your interests.

4. Regular data disclosures

We may disclose your personal information for legitimate purposes in accordance with applicable personal data laws.

a) The information you provide through the Site may be disclosed to parties from any of the following categories:

  • Service providers involved in the implementation of the Site and our services, such as payment service providers
  • For affiliate marketing purposes, unless prohibited
  • To the authorities in the event that the law or our interests or the interests of a third party so require
  • Our subsidiaries and associates or other companies belonging to the same group or economic association with us, or the new owner or co-owner or operator of the Site and their advisors in connection with the acquisition or arrangement.

b) Data collected on the basis of automatic data processing may be disclosed to parties belonging to the following categories:

  • Service providers, such as companies specializing in data analysis and online advertising
  • To the authorities in the event that the law or our interests or the interests of a third party so require
  • Our subsidiaries and associates or other companies belonging to the same group or economic association with us, or the new owner or co-owner or operator of the Site and their advisors in connection with the acquisition or arrangement.

In addition, the data may be disclosed to third parties in a form that does not allow the identification of individual users, in which case it is not personal data.

5. Links to third party sites

Our site may contain links to sites maintained by third parties. We are not responsible for the content or privacy practices of such third party sites. We encourage you to carefully review the privacy policies of each site.

6. Principles for the protection of personal data

We use the necessary technical and organizational security measures to protect personal data from unauthorized access and from accidental or unlawful destruction, alteration, disclosure, transfer or other unlawful processing.

7. Your rights and influence

You have the right to inspect the information about you in our registers, the right to request the correction of incorrect information, the right to refuse the processing of personal data about you in direct marketing, and to otherwise exercise your rights under the Personal Data Act.

At your request, we will correct, delete or supplement any personal data that is incorrect, unnecessary, incomplete or out of date for the purpose of the processing. You can exercise the above rights by contacting our customer service at In the exercise of your right of inspection, a reasonable fee may be charged for providing information if less than one year has elapsed since the last time the user received the information in the register for review.

8. Changes to the Privacy Statement

We reserve the right to change this Privacy Statement by announcing it on our Site. We recommend that you read the contents of this Privacy Statement regularly.

9. Contact information

The controller of the personal data we collect is Draivi Media Oy

For inquiries regarding this Privacy Statement, please contact our contact person:

Contact person: Oula Lehtinen
Address: PO Box 215, 00101 Helsinki, Finland