Cookies and privacy

When you use the website, some information about your visit is stored in so-called “cookies”. A cookie is a small text file that is placed in your web browser’s internal memory when you visit

When you use the website, some information about your visit is stored in so-called “cookies”. A cookie is a small text file that is placed in your web browser’s internal memory when you visit

By using, you consent to the use of cookies

Norway’s Electronic Communications Act requires us to inform our visitors of the use of information capsules, or cookies, see Section 2-7b of the Electronic Communications Act. When visiting, you consent to the activation of cookies in your web browser – since the majority of browsers are set up to automatically accept cookies. However, if you do not wish to accept the use of cookies, you may change the settings in your browser. There, you can also delete any cookies that have already been installed. Read more about how to manage cookies at

The law states that the storage and processing of data is not permitted unless the user has been informed of and consented to the type of information to be processed, the purpose for its processing and the entity that is processing the data. Here are more details concerning the use of cookies on our website, which the user accepts by visiting

Use of cookies on open pages

The website uses cookies to create a more user-friendly experience by identifying where the visitor has come from and how they use the site once they have arrived. In some cases, we use IP addresses to log navigation at None of the cookies can link information about the use of to the user as an individual. Data derived from is processed by Kredinor’s marketing department, IT department and those suppliers used for maintenance, development and advertising (only companies, not private individuals) and searches on the website. All of these have signed non-disclosure agreements.

Use of cookies on the login pages My Page and Kredinor Online

On the login pages, My Page and Kredinor Online, cookies are activated when logging in and used to obtain correct information about the logged-in user. Both My Page and Kredinor Online require the user to permit cookies to enable them to access their own information and use services such as making payments and applying for an instalment arrangement.

Analysis tools for statistics and surveys

Kredinor uses the analysis tools Google Analytics and Siteimprove Analytics to map use of by means of the types of cookies indicated in the table below.

The analysis tools use the following cookies:

Name of cookie Function/purposeAnalysis tool / supplier
siteimprovesCollects data on which pages the user visits on the website.Siteimprove Analytics
nmstatTracks the user’s visits to the website, e.g. statistics on the user's most recent visit to the site.Siteimprove Analytics
szcookiechoiceIs used to determine whether the user has accepted the use of cookies or turned them off.Siteimprove
__utmz Identifies where the user comes from when clicking onto (search engine, keyword, link, advert, etc).Google Analytics
__utma Notes how many times the user has visited, to determine the number of first-time users and return visitors.Google Analytics
__utmb / __utmc Tracks the time spent by the user at Analytics
PHPSESSIDStores information about a session – one single visit.PHP


Contact details that are voluntarily provided in forms on are used only to follow up the query based on the purpose of the form. This information is not stored in any other cookie.
The data we collect is used to further develop the services provided on Based on data from search words and clicks, we can create web pages that enable us to answer questions faster than before. Use of cookies can also improve the website’s performance, for example by enabling the pages to be downloaded faster.

Processing of personal data in chats

As soon as the chat window is opened, the chat robot advises users against divulging any personal details. An automatic delete function has also been installed in the software. This ensures that national identity numbers are immediately anonymized once a message has been written and sent, which means that the NID is not stored or visible in the chat log. The delete function works such that all number combinations containing 7 digits or more are automatically deleted. The robot is supplied by the Norwegian company Boost.


For more information on how we protect our users’ privacy, please see our privacy policy.