The SEB website in Estonia — five pages, 119 requests, and all 119 go to the bank's own domains. A banner with three equally weighted buttons, 'Nõustun', 'Personaliseerin', 'Keeldun', and not a single request to Google, Meta, or any other third-party service — the bank serves even its fonts and chat itself. The cookie policy and the data protection terms are detailed. No violations recorded.
Request timeline
Declared versus actual
Transfer timings
All 118 requests go to the bank's own domain.
No exact timing
Detected trackers
- No third-party trackers in the capture
- First party: www.seb.ee (nginx), s3-publicweb.lpb.baltic.seb.net — SEB group's own storage; the SEB chat served from the bank's own domain
Context
seb.ee is the website of SEB bank in Estonia. The measurement is a single capture of five pages: the homepage in Estonian, then the Russian version — the homepage, private clients, business clients, and contacts. In total, 119 requests.
Processing is described by the cookie banner, the cookie policy, and SEB’s personal data protection terms.
Who receives data directly
No one but the bank itself. All requests go to www.seb.ee and to SEB group’s own storage.
Declared versus actual
There is nothing to compare here except the level of care. The banner offers three equally weighted buttons: accept, customise, and refuse. The cookie policy describes necessary, statistics, and marketing cookies and explains which of them can be refused.
And the network picture is as clean as it gets: across five pages, not a single request leaves the bank’s domains. No Google Analytics, no Tag Manager, no pixels, no external fonts. The bank serves even its chat widget from its own domain. The Content-Security-Policy header permits, among other things, the Salesforce personalisation service (Evergage) and Google Tag Assistant, but neither loaded in the capture.
Consent: what is proven and what is not
Proven: refusal is available on the first layer. The “Keeldun” button in the screenshot.
Proven: there are no third-party requests. 118 requests to www.seb.ee and one to the group’s own storage.
Not established: the decision in the banner and behaviour after consent. The decision is not reflected in network requests. Whether statistics and marketing services load after “Nõustun” was not tested.
Boundaries of this observation
The measurement covers the site’s public pages. Internet banking was not examined. The observation records browser behavior, not server-side processing. The file has been published cleaned: Cookie headers were removed.
Legal assessment falls to the competent authority — the Andmekaitse Inspektsioon.
Conclusion
SEB shows care taken to its limit: equally weighted refusal on the first screen and not a single request to third-party services before the visitor decides — the bank serves everything itself, including fonts and chat. No violations recorded.
How to verify: download the file and compute its checksum — sha256sum file.har (Linux, macOS) or certutil -hashfile file.har SHA256 (Windows); it must match the one shown. The conclusions apply to the scope of this measurement — see the limitations of the method.
101fe1eccf6bf10c00455216cc21db380d8356354d94d081ad184d7487664d63
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RIA DigiDoc — phone · Smart-ID / Mobile-ID
Send this letter directly to the company first — before contacting the regulator it has the right to respond (GDPR Art. 12(3) — 30 days).
Тема: Запрос доступа к персональным данным (ст. 15 GDPR) — seb.ee Кому: [укажите адрес компании — DPO / поддержка / юридический отдел] От: [Ваше имя], [контактный email] Прошу предоставить доступ к моим персональным данным, обрабатываемым в связи с использованием сайта seb.ee. 1. Категории данных и цели обработки (ст. 15(1)(a)-(c)) Прошу предоставить информацию по всем категориям, целям и получателям обработки моих данных на этом сайте — независимо от того, выявлены ли на сегодняшний день какие-либо несоответствия. 2. Получатели, сроки хранения и передача за пределы ЕЭЗ (ст. 15(1)(c)-(d), 46) Прошу также указать полный список третьих лиц-получателей, применимые сроки хранения по каждой категории и правовые основания передачи данных за пределы ЕЭЗ, если таковая происходит. Полный технический разбор с доказательствами (сохранённый сетевой журнал, контрольная сумма SHA-256) опубликован по адресу: https://gdpru.eu/en/audits/ee-seb-ee/ 3. Автоматизированная обработка и профилирование (ст. 15(1)(h)) Прошу сообщить, применяется ли в отношении меня автоматизированное принятие решений или профилирование, и если да — раскрыть логику такой обработки. С уважением, [Ваше имя] [контактный email] [Страна] [Дата]
Subject: Data access request (GDPR Art. 15) — seb.ee To: [insert the company's address — DPO / support / legal department] From: [Your name], [contact email] I request access to my personal data processed in connection with the website seb.ee. 1. Categories of data and purposes of processing (Art. 15(1)(a)-(c)) I request information on all categories, purposes, and recipients of my data processed on this site — regardless of whether any non-compliance has been identified to date. 2. Recipients, retention periods, and transfers outside the EEA (Art. 15(1)(c)-(d), 46) I also request the full list of third-party recipients, the applicable retention period for each category, and the legal basis for any transfer of data outside the EEA. The full technical audit with evidence (saved network log, SHA-256 checksum) is published at: https://gdpru.eu/en/audits/ee-seb-ee/ 3. Automated processing and profiling (Art. 15(1)(h)) Please state whether I am subject to automated decision-making or profiling, and if so, disclose the logic involved. Sincerely, [Your name] [contact email] [Country] [Date]
Teema: Isikuandmetele juurdepääsu taotlus (IKÜM art 15) — seb.ee Kellele: [märkige ettevõtte aadress — DPO / tugi / juriidiline osakond] Kellelt: [Teie nimi], [kontakt-e-post] Palun anda mulle juurdepääs minu isikuandmetele, mida töödeldakse seoses veebisaidi seb.ee kasutamisega. 1. Andmekategooriad ja töötlemise eesmärgid (IKÜM art 15(1)(a)-(c)) Palun esitada teave kõigi minu andmete töötlemise kategooriate, eesmärkide ja vastuvõtjate kohta sellel veebisaidil — sõltumata sellest, kas praeguseks on tuvastatud mingeid mittevastavusi. 2. Vastuvõtjad, säilitustähtajad ja edastamine väljapoole EMP-d (IKÜM art 15(1)(c)-(d), 46) Palun samuti esitada täielik loetelu kolmandatest isikutest vastuvõtjatest, iga kategooria puhul kohaldatavad säilitustähtajad ning andmete EMP-välisele edastamisele kohaldatav õiguslik alus, kui selline edastamine toimub. Täielik tehniline analüüs koos tõenditega (salvestatud võrgulogi, SHA-256 kontrollsumma) on avaldatud aadressil: https://gdpru.eu/en/audits/ee-seb-ee/ 3. Automatiseeritud töötlemine ja profiilianalüüs (IKÜM art 15(1)(h)) Palun teatada, kas minu suhtes kohaldatakse automatiseeritud otsuste tegemist või profiilianalüüsi, ning kui jah, siis avaldada selle loogika. Lugupidamisega, [Teie nimi] [kontakt-e-post] [Riik] [Kuupäev]