Terms of use

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Use of the LocalTapiola open internet site is subject to these Terms of Use, which you should read carefully before accessing the website. Visiting this site implies acceptance of the Terms.In addition to these Terms, the different individual sites may be subject to specific terms that apply as a matter of priority on a service-by-service basis.

This internet site is published by, and the services used at the site are provided by, the LocalTapiola Group companies (hereinafter ‘LocalTapiola’). The site may also offer third-party services.

l ownership, copyrights, trademarks and other intellectual property rights in respect of this internet site are the property of LocalTapiola or a third party.You must not save or print any data except for personal use. You must not copy, disseminate, modify or link the content or layout of this site, or publish or exploit them commercially in any way, without explicit written authorisation from LocalTapiola or some other right holder.

This internet site provides general information on LocalTapiola and the services and products offered. The generic information contained at this site cannot be applied as is to individual cases. The information presented at the site cannot in any way be considered to constitute an offer, a request, a commitment or some other obligation which would be binding on LocalTapiola, unless otherwise stated. The purpose of this site is not to provide investment advice.LocalTapiola assumes no liability for the economic outcome, tax implications or investment risks of any actions taken based on the information provided at this site – it is always for the customer to bear the responsibility for these.The texts, images, audio files, animations, calculators and other files may contain technical or substantial errors, and LocalTapiola assumes no liability for their functioning or that they are free of errors.The site may include links to services other than ones provided by LocalTapiola. LocalTapiola assumes no liability for the content or availability of such third-party service provider services or for the correctness of any information contained in those services.LocalTapiola assumes no liability for any losses caused by unauthorised modification of the site. LocalTapiola assumes no liability for any cost, loss or other damage that may be caused through the use of this site or through loss of use or loss of information in the context of using this service.

Site users are responsible for the correctness and successful delivery of the information they provide, as well as for the orders they give, through this internet site.

This internet site and the information contained therein are intended for the Finnish market, unless specifically otherwise agreed or notified.LocalTapiola has a right to amend these Terms of Use and to change the content, layout and availability of the site and of the services included in the site, as well as to prevent access to the site or to discontinue it temporarily or permanently.

Use of this internet site, and the relationship between LocalTapiola and the site users, are subject to Finnish law.

Digital servicesTerms of use effective from 13 December 2021

These terms of use (hereinafter ‘Terms of Use’) apply to all transactions in the LocalTapiola Group digital services (hereinafter ‘Digital Services’) and online services (hereinafter ‘Online Services’).For the purposes concerned here, ‘Digital Services’ mean the service platforms provided by LocalTapiola Group, including the relevant applications for purchases and claims, the mobile service, the electronic signature service, chat communication, and the telephone service.For the purposes concerned here, ‘Online Services’ mean the electronic services provided by LocalTapiola Group that require users to identify themselves, including the online service for private or corporate customers and the mobile applications.The Digital Services and Online Services are combined under the definition of ‘Services’.Where a Service is subject to dedicated specific terms and conditions, the dedicated specific terms and conditions prevail in respect of that Service, and these Terms of Use apply in the alternative.The definition of ‘Customer’ is used for all users of the Services.The Services are directed towards, and they are intended to be used on, the Finnish market and/or towards Customers who are resident in Finland, unless specifically otherwise agreed or notified.

The Services are provided by the LocalTapiola Group companies (hereinafter ‘LocalTapiola’).

The Services may also provide or deliver third-party services, or third-party services may be provided and delivered through the Services.Third-party services are provided and delivered as is and without obligation. LocalTapiola assumes no liability for the content, availability or functioning of any information or service produced by third parties, or for any loss that their use may cause. LocalTapiola is not a party to any agreements entered into between the Customer and third parties, and LocalTapiola assumes no liability for the fulfilment of such agreements or the terms and conditions thereof.

Customers are required to familiarise themselves carefully with these Terms of Use before using the Services. Use of the Services implies acceptance of these Terms of Use. It is forbidden to use the Services if the Customer does not accept the Terms of Use.Use of the Online Service requires that, when logging in to the Online Service for the first time, the Customer accept these Terms of Use and/or the terms of use or terms and conditions of contract to which the Online Service is specifically subject. The Online Service may be used by any adult with full legal capacity either in the capacity of an individual or on behalf of an entity, depending on the Online Service concerned.

Customers may take advantage of the Services to conduct the business included in LocalTapiola’s range of services, such as to manage insurances, savings and investments. The Services contain electronic transaction and other services, such as those for purchasing insurance and making claims.Use of the Services may require a specific agreement.
When used on different devices and when using the different Services, the content and functions of the Services may differ. The range and characteristics of the Services offered may also differ from the services and products provided in the other LocalTapiola service channels.LocalTapiola has a right to introduce changes to the range, content and functioning of the Services offered, as well as to the technical and other requirements for use of the Services.

6.1 Identification in the Online ServiceUse of the Online Service requires that Customers identify themselves. LocalTapiola identifies Customers by means of the banking or other identifiers it accepts. It may be possible to log in to the Online Service later by alternative methods, such as using a PIN code created, or a facial recognition feature activated, by the Customer.Identifying the Customer in the above manner is equivalent to verifying their identity using a personal identification document issued by a public authority.The Customer assumes liability for all actions taken in the Online Service after verifying their identity for as long as their session is active, including the actions taken by any party acting on the Customer’s behalf.It is for the Customer to exercise due care to keep the authentication credentials in a separate place such that third parties will not gain access to them. The Customer assumes liability for the legal acts carried out using the authentication credentials until such time as the issuer of the credentials becomes aware that a third party has gained access to the authentication credentials and the party issuing the credentials has had reasonable time to prevent use of the Services. The Customer is liable for any losses that unauthorised use of the authentication credentials may cause LocalTapiola, the Customer or a third party until such time as the issuer of the credentials becomes aware of unauthorised use and prevents use of the credentials as described above. In the event of unauthorised use of the identifiers in the Online Service, or when the Customer has reason to believe that a third party has gained access to them, this must also be communicated immediately to LocalTapiola.Where the Customer fails to keep their authentication credentials safe, or if the Customer’s conduct otherwise facilitates third-party access to the authentication credentials, the Customer is liable for any losses that may be caused to LocalTapiola.6.2 AuthorisationsThe Customer may take advantage of the Services to conduct the business included in LocalTapiola’s range of services also on behalf of some other individual or business, if that other individual or business issues a power of attorney specifically for this purpose. Separately on a service-by-service basis, LocalTapiola will determine whether it is possible to use the Service by virtue of a power of attorney, as well as deciding the measures that the Customer can take in the Service by virtue of the power of attorney on behalf of the third party concerned. Details of the Assignors in respect of which a written power of attorney is submitted to LocalTapiola will be activated in the applicable Services that the Customer uses.LocalTapiola must be notified immediately of the expiry of the relevant authorisation.The Assignee’s conduct is treated as equivalent to the Assignor’s conduct, and the Assignor assumes liability for all action taken and messages submitted by virtue of the authorisation for as long as the authorisation is not appropriately cancelled.6.3 Devices, software and telecommunications linksIt is for the Customer to ensure that they have available the devices, software and telecommunications links that are necessary to use the Services. The Customer is responsible for their safety, proper functioning and compatibility with the Services, as well as for any costs of maintenance, use and telecommunications. LocalTapiola will not provide any guarantee that the Services can be used on the Customer’s devices.
Each party is responsible for ensuring that their own data security is appropriately implemented. LocalTapiola assumes no liability for any losses caused to the Customer by loss or modification of data in a public data network, in a data network that the Customer owns or administers or in a data network that the Customer uses under an agreement. LocalTapiola also assumes no liability for any losses caused to the Customer through materialisation of cyber risks.LocalTapiola has a right to amend the requirements for the devices and software that are necessary to use the Services, or to amend the other functionalities of the Services.6.4 Refusal to provide Service, and interruption of ServiceLocalTapiola has a right to refuse to provide the Service, to interrupt the provision of the Service, or not to process a Customer order, application or some other message if:

• the devices, software or telecommunications links that the Customer uses compromise the functioning of the data systems or the safety of the Service, or where the maintenance of data security otherwise necessitates this;
• there is reason to believe that the Service is being used in a manner which may cause harm to any of the parties or to third parties;
• the Customer fails to comply with these Terms;
• the Customer informs that identifiers have been used in the Service without authorisation or that it can be assumed that a third party has gained access to them, or there is otherwise reason to believe that the Service is being abused or used without authorisation; another person or business cancels an authorisation that it has granted to the Customer;
• this is considered necessary for commercial reasons or is due to a force majeure or some other serious reason not attributable to LocalTapiola;
• there is reason to believe that the Service is used for unlawful activities; or
• this is required by law or any regulations issued by the relevant authorities.

Additionally, LocalTapiola has a right to interrupt the provision of the Service due to servicing, updates, maintenance, disruptions and other similar reasons.LocalTapiola assumes no liability for losses caused to the Customer by any refusal to provide the Service or by interruption of the Service.6.5 Service operation timesThe Services are available for use according to the service-specific operation times, with the exception of interruptions that are due to servicing, updates, maintenance, disruptions and other similar reasons.LocalTapiola expresses no guarantee that the Services are available for Customer use without interruption, and assumes no liability for any losses caused to Customers by possible outages or interruptions.For the execution of the measures requested by the Customer, LocalTapiola reserves a period of time which is reasonable, with due consideration of what the terms and conditions of the relevant contract or Service may set out. LocalTapiola expresses no guarantee that any orders, applications or other messages will be processed in the manner and within the time period determined by the Customer in their message, and assumes no liability for any losses that this may cause to the Customer.6.6 Limitation of LocalTapiola’s liabilityThe information presented in the Services cannot be considered to constitute an offer, a request, a commitment or any other expression of a mandatory nature which would be binding on LocalTapiola, unless otherwise stated. The content of each Service is determined according to the terms and conditions governing the service or product in question.Every effort has been made to ensure that all information in the Services is correct, but LocalTapiola nevertheless assumes no liability for the correctness of the information or for any losses that relate to the use of that information.Whenever concluding any new agreements by means of the Services, Customers are required to familiarise themselves with the brochures, product descriptions, service- or product-specific terms and conditions and other information that LocalTapiola keeps available for Customer use in the Online Service or on its website. On confirmation of having familiarised themselves with this information, the Customer is considered to have been made aware of the available information. In the event of a clash between these Terms of Use and the applicable service-specific terms and conditions, the contract content is determined based on the service-specific terms and conditions.Customers must never conclude a residential lease based solely on the material presented in the Service, without personally obtaining the further information that the Customer deems necessary and without confirming, before concluding a lease, with the lessor’s representative, the validity of the material presented in the Service.In addition to the expressions on the limitation of LocalTapiola’s liability found elsewhere in these terms and conditions:

• LocalTapiola assumes no liability for any direct or indirect losses caused to Customers;
• LocalTapiola assumes no liability for any losses caused by a force majeure event or if LocalTapiola’s activities are unreasonably impeded because of a similar reason. Such reasons include action taken by public authorities, an interruption in electronic communications or loss of electricity not attributable to LocalTapiola, and industrial action;
• LocalTapiola assumes no liability for any costs arising from destruction or modification of data or from re-creating such data, or for any losses caused through unauthorised modification of the information contained in the Services;
• LocalTapiola assumes no liability for the functioning of the Services, or for any losses that are due to refusal to provide the Service, interruption of the Service, or outages, or that arise because of failure to use the Service on the Customer’s device;
• LocalTapiola assumes no liability for the content, availability or functioning of any information or service produced by third parties, or for any loss that their use may cause. LocalTapiola is not a party to any agreements entered into between the Customer and third parties, and LocalTapiola assumes no liability for the fulfilment of such agreements or the terms and conditions thereof.

6.7 Customer’s liability and ordersThe Customer is responsible for the correctness and timeliness of the information they provide through the Services. LocalTapiola is not under an obligation to check or supplement any information provided, and the necessary action can be taken based on the information provided. LocalTapiola assumes no liability for any losses caused to Customers due to incorrect or incomplete information.Until LocalTapiola sends the Customer an acknowledgement of reception of the information provided, the Customer will remain responsible that the information and orders that they submit through the Services are delivered successfully, unless otherwise provided in the mandatory statutory provisions.The legal acts carried out, and the orders, expressions of intent and notifications submitted, by the Customer by means of the Services are binding on the Customer.6.8 Customer remarksCustomers are required to submit any possible remarks about the Service or about the execution of an order to LocalTapiola without undue delay and not later than within one (1) month of the moment when the Customer becomes or should have become aware of the grounds giving rise to the remark. In the absence of any submission of a remark within this time period, the Customer is considered having accepted the action taken.

All emails between LocalTapiola and Customers are transferred in an open network. The email messages sent do not contain any information on insurances or claims, but they do indicate that the Customer has a customer relationship with LocalTapiola. This information is covered by insurance secrecy. Use of the Services implies that the Customer accepts this.If the Customer wishes to submit to LocalTapiola any protected or customer relationship related information, LocalTapiola recommends that such messages be sent through the Online Service, by means of some other secure connection, or by post.The Customer is liable to monitor the messages that LocalTapiola sends in the Services, as well as the messages and notifications sent by other means, such as by post, text message or email. The Customer may be sent a specific notice by email or text message about a message that has been submitted to the Service.The Customer is deemed to have become aware of a notification that LocalTapiola sends not later than on the seventh (7) day from submission of the notification to the Customer.

LocalTapiola has a right to amend these Terms of Use, the specific terms to which the Services are subject and the pricing of any possible paid Services.Customers will be made aware of any amendment of the terms in the Online Service or at the LocalTapiola website not later than one (1) month before the amendment becomes effective. The Customer is deemed to have received LocalTapiola’s notification not later than on the seventh (7) day from submission of the notification to the Customer in the Online Service or from the day on which it was made available to the Customer at the website.The Customer is deemed to have accepted the amended terms if the amendment was notified in the above manner and the Customer uses the Services after the amendment. Should the Customer not accept the amended terms, the Customer must discontinue use of the Services.The amended terms also apply to the Services activated before the amended terms became affective.

LocalTapiola ensures the protection of customers’ privacy and processes all personal data in compliance with the applicable valid statutes and good data management and data processing practice, and as set out in the LocalTapiola privacy notices and at LocalTapiola’s website.LocalTapiola may save data on the contacts that the Customer makes in the online service, as well as online transaction related data, orders, messages and telephone calls. The data are processed for purposes such as following up customer relations, verifying that a transaction has taken place, developing the Services, and for marketing.LocalTapiola collects, processes and analyses data on Service use, traffic and events, as well as other transaction data.Customers are advised to familiarise themselves with the more detailed processing of personal data by reading the LocalTapiola privacy notices and the data protection section. Privacy statements are also available upon request by post or email from: tietosuoja(a)lahitapiola.fi. Likewise, the LocalTapiola website has more information on cookies.

10.1 Intellectual property rightsAll copyrights, trademarks and other intellectual property rights in respect of the Services, including their content and layout, are the property of LocalTapiola or a third party.Customers must save and print the material contained in the Services only for the Customer’s personal use. You must not copy, disseminate or modify any material, or link, publish or commercially exploit the website, in any way, without explicit written authorisation from LocalTapiola or some other right holder.10.2 Force majeureA contracting party cannot be held liable for loss if it proves that failure to meet an obligation by which it is bound is due to a force majeure event. ‘Force majeure’ means an exceptional and unforeseen cause which the contracting party could not influence and the consequences of which it could not have avoided with all due care. LocalTapiola also does not assume liability for loss if fulfilment of the obligations laid down in these Terms of Use were inconsistent with any of LocalTapiola’s obligations provided for elsewhere in the law.A contracting party has a duty to notify the other contracting party as soon as possible if it is affected by a force majeure event. LocalTapiola may notify of a force majeure event, for example, on its website or in a national newspaper.10.3 Customer service and non-judicial remediesWith any questions concerning the Services and these Terms of Use, the preferred option for Customers is to contact the LocalTapiola customer service.Consumer customers can refer any dispute that concerns the Services or these Terms of Use to the Consumer Disputes Board (www.kuluttajariita.fi). Service related disputes can also be referred to the Finnish Financial Ombudsman Bureau (www.fine.fi).The relevant authority supervising the insurers’ activities is the Financial Supervisory Authority (www.finanssivalvonta.fi).10.4 Governing law and jurisdictionThese Terms of Use are subject to the laws of Finland.Any disputes arising out of these Terms of Use are to be referred to the Länsi-Uudenmaan käräjäoikeus (Länsi-Uusimaa District Court) or to the district court of the place in Finland where the Customer is domiciled, permanently resident, or situated. If the Customer is not domiciled, resident or situated in Finland, any dispute is to be referred to the Länsi-Uudenmaan käräjäoikeus.

Online service for corporate customersTerms of use effective from 12 December 2023

LocalTapiola’s online service for corporate customers is a portfolio of electronic services. This may include services provided by the LocalTapiola Group companies and third parties which are available for use based on this agreement only. The online service and the services available for use on the basis of the online service are provided in Finnish and many of them also in Swedish and English. The use of the online service is free of charge.

The online service is arranged, and the services offered for use therein are provided, by the LocalTapiola Group companies. Hereinafter the administrator and the service providers are referred to as LocalTapiola. An online service agreement with LocalTapiola may be signed by any company or entity (Customer) with an existing customer relationship with LocalTapiola or any Customer to which LocalTapiola has granted access to the service for a special reason. If a Customer serves as an authorised representative of some other LocalTapiola corporate customer, at least the party issuing the authorisation must have signed an agreement referred to above.

These contractual terms and conditions apply to the online services set out in this agreement between a Customer and LocalTapiola. Customers commits to following these contractual terms and conditions by accepting this agreement when those authorised to sign for the company in question or the persons duly authorised to do so sign this agreement or provide their electronic identifiers. The contractual terms and conditions valid from time to time are available in the online service. In respect of the online service, these terms and conditions prevail, and the Terms and conditions of digital services.With respect to the agreements and services provided and used in the online service, the terms and conditions of the relevant agreements and services prevail, and these contractual terms and conditions apply in the alternative.

The online service may feature electronic transaction services and other services, such as electronic filing of claims, reporting, risk management content and chat. In terms of their content and functionalities, the services offered for use on different types of devices may differ from one another and from the services offered by other means. LocalTapiola has the right to alter the portfolio of the services offered and the scope and content of these service.

Third-party services may also be provided and arranged in or via the online service. Any services offered by third parties are provided and arranged as is and without obligation. LocalTapiola cannot be held liable for the content, availability or functioning of any information or service produced by third parties or for any loss or damage which the use thereof may cause. LocalTapiola is not a party to any agreements by and between a Customer and third parties and is not liable for the fulfilment of such agreements and the terms and conditions thereof.

The person who first accepts this online service agreement by signing it or by providing his or her electronic identifier on behalf of a Customer in a manner set out in Section 3, automatically becomes the main user within the meaning of this agreement. Main user means the online service user with the most extensive access rights to the online service and to user management. Customers accept that in the online service the main user has the right to appoint and remove online service users. Customers accept that the main user and the users designated by him or her have the right to exercise legal capacity binding on the Customer in question. The Customer agrees that the main user may, on behalf of the Customer, issue and revise authorisations which are binding on the Customer in order to take care of that Customer’s insurances and claims. It is for the main user to ensure that the access rights of those making use of the online service on behalf of the relevant Customer are up to date. Customers may replace their main user within the period of validity of this agreement. The persons referred to in Section 3 representing a Customer must notify LocalTapiola of any replacement of the main user, or the main user may perform the replacement personally in the online service user management. The main user or any other party authorised by a Customer must in a reliable manner identify all users before they may use the online service.

For the purposes of using the online service, the main user authorised by a Customer and the other users designated by him or her must be in possession of user-specific banking or other identifiers approved by LocalTapiola. Making use of these identifiers is considered equivalent to the identification of someone acting on behalf of a Customer from an identity card issued by the relevant authority. In the online service LocalTapiola identifies the main user and the users designated by him or her using the identifiers defined herein.

Customers are liable to ensure that the identifiers used in the online service will not be made available to any third parties. Where any identifiers are used in the online service without authorisation or a Customer has reason to believe that a third party has gained access to such identifiers, this must also be communicated to LocalTapiola immediately. Customers accept that anyone using the authentication credentials of a user may access the online service and exercise legal capacity with LocalTapiola in a manner which is binding on the relevant Customer. Customers are liable for all action taken through the use of the authentication credentials of a user for as long as the relevant Customer does not personally deactivate the access right in question or does not appropriately request the deactivation of the access right, or for as long as it is not otherwise deactivated by LocalTapiola. A Customer may serve as an authorised representative of some other LocalTapiola customer and take care of the agreements of such Customer in the Customer’s own online service. LocalTapiola grants a Customer an access right to the details of another corporate customer in the scope set out in the relevant authorisation. The party issuing that authorisation assumes liability for all action taken and messages submitted by virtue of the authorisation for as long as the authorisation is not appropriately cancelled.

All emails between LocalTapiola, the Customer and the online service users are transmitted in an open network. The email messages sent contain no information on any insurances or claims, but they indicate that a Customer is in a customer relationship with LocalTapiola. This information is covered by insurance secrecy. By using the online service, Customers accept this. If a Customer wishes to submit to LocalTapiola any protected information or information relating to a customer relationship, LocalTapiola recommends that such messages be sent via the online service, by means of some other secure connection or by post. The Customer is liable to actively monitor the messages and notifications sent by LocalTapiola into the online service. The Customer or an online service user may be sent a specific notice via email or text message about a message or a notification submitted into the online service. Customers are deemed to become aware of a notification sent by LocalTapiola no later than on the seventh day from the submission of a notification to the relevant Customer’s online service. Customers are responsible that the information which they submit via the online service is correct. LocalTapiola is not liable to check or supplement any information given. Customers are responsible that the information and orders which they submit via the online service are successfully received until they receive from LocalTapiola an acknowledgement of the reception of the information, unless otherwise provided in the mandatory statutory provisions.

LocalTapiola ensures the protection of customers’ privacy and processes all personal data in line with all valid statutes and good data management and data processing practice and as set out in LocalTapiola’s privacy notices and at LocalTapiola’s website. LocalTapiola may save any data on the contacts and transactions made by customers in the online service as well as transactions, messages and telephone calls. These data are processed for purposes such as taking care of customer relationships, handling claims, verifying that a transaction has taken place, developing the online service, and for marketing. LocalTapiola collects, processes and analyses data on service use, traffic and events as well as other data on transactions. Customers are advised to familiarise themselves with the more detailed processing of personal data by reading LocalTapiola’s privacy notices and the data protection section of LocalTapiola’s website: lahitapiola.fi/henkilotietojenkasittely. Privacy notices are also available upon request by post or via an email to: tietosuoja(at)lahitapiola.fi. LocalTapiola’s website also has more information on cookies.

Customers are responsible that they have available the devices, software and telecommunications links necessary to use the online service. Customers are responsible that these function and that they are safe and compatible with the service, together with any costs of maintenance, use and telecommunications. LocalTapiola does not provide any guarantee that the services can be used by means of a Customer’s devices. Each party is responsible that their respective data security is arranged in an appropriate manner. LocalTapiola cannot be held liable for any losses caused to a Customer by any data being lost or modified in a public data network, in a data network owned or administered by that Customer or in a data network used by the Customer under a contract or an agreement. Neither is LocalTapiola liable for any losses caused to a Customer through data security risks which materialise. LocalTapiola has the right to revise the requirements set for the devices and software necessary to use the services or to amend any other functionalities of the services.

The online service is available for use every day round the clock excluding the interruptions resulting from servicing, updates, maintenance, disruptions and other equivalent causes. LocalTapiola expresses no guarantee that the services are available for use by Customers without interruption and cannot be held liable for any losses caused to Customers by any outages or interruptions. For the execution of any action requested by a Customer, LocalTapiola reserves a period of time which is reasonable, with due consideration of what the terms and conditions of the relevant contract or service may set out. LocalTapiola expresses no guarantee that any orders and other messages will be processed in the manner and within the time period determined by a Customer in a message and cannot be held liable for any losses which this may cause to that Customer.

LocalTapiola has the right to refuse to offer the service or to deactivate a Customer’s access right to the online service and not to execute an order or process an application by a Customer if:

• the Customer’s devices, software or telecommunications links endanger the safety of the service or where the maintenance of data security otherwise necessitates this;
• there is reason to believe that the service is being used in a manner which may cause harm to any of the parties or to third parties;
• the Customer fails to comply with these terms and conditions;
• the Customer communicates that identifiers have been used in the services without authorisation or that it can be assumed that a third party has gained access to them;
• some other customer cancels an authorisation which it has granted to the Customer;
• this is considered necessary for commercial reasons or is due to a force majeure or some other serious reason independent of LocalTapiola; or
• this is required by law or any regulations issued by the relevant authorities.

LocalTapiola cannot be held liable for losses caused to a Customer by any interruption of the service.

No information presented in the online service can be considered to constitute an offer, request, commitment or any other expression of a mandatory nature which would be binding on LocalTapiola, unless otherwise stated. The content of each service is determined according to the terms and conditions governing the service or product in question. Every effort has been made to ensure that all information in the online service website is correct, but LocalTapiola nevertheless assumes no liability for the correct nature of such information or for any losses related to the use of that information. In addition to the expressions on the limitation of LocalTapiola’s liability found elsewhere in these terms and conditions:

• LocalTapiola cannot be held liable for any direct or indirect losses caused to Customers.
• LocalTapiola cannot be held liable for losses caused through any force majeure or by LocalTapiola’s activities being unreasonably damaged through an equivalent reason. Such reasons include action taken by the authorities, an interruption in electronic communications or loss of electricity not attributable to LocalTapiola, or industrial action.
• Customers are not entitled to any compensation on account of this agreement being cancelled, terminated or otherwise closed; or as a consequence of an interruption or discontinuation of access.

Customers must submit any observations on the service or order execution in writing or by sending a message via the online service to LocalTapiola without undue delay and no later than within one (1) month of the moment when a Customer becomes or should have become aware of the grounds giving rise to an observation. In the absence of any submission of an observation within this time period, Customers are considered having accepted the act or the measure.

LocalTapiola has the right to amend the terms and conditions of this agreement by communicating this to a Customer in the online service no later than one (1) month before such amendment takes effect. Any amended terms and conditions also apply to the agreements concluded before the amended terms and conditions took effect. If a Customer does not accept the amended terms and conditions, that Customer must cancel this agreement before the amendment takes effect. A Customer is considered having accepted an amendment where such amendment is communicated as set out above and the Customer continues to use the online service after the amendment takes effect.

This agreement enters into force and a Customer’s access right is opened once LocalTapiola receives the agreement, signed by the Customer, and accepts it. LocalTapiola reserves a reasonable delivery time for activation. This agreement is in force until further notice. The main user has the right to cancel this agreement in the online service without notice. Those authorised to sign for the company may also cancel the agreement in some other manner in writing. LocalTapiola reserves a reasonable period of time to deactivate any access right. LocalTapiola may cancel this agreement to end in one (1) month of cancellation. If a default occurs with regard to a Customer, or if a Customer is declared bankrupt or a Customer’s business ceases for some other reason, this agreement and the Customer’s access right terminates without cancellation. LocalTapiola may also terminate this agreement and a Customer’s access right without cancellation whenever a Customer within a period of two (2) years does not use the online service and no longer has any valid agreements or contracts covered by the online service. LocalTapiola also has the right to cancel this agreement if a Customer materially violates the terms and conditions of this agreement. In the event of cancellation, this agreement will terminate with immediate effect.

The ownership, copyrights, trademarks and the other intellectual property rights of the online service belong to LocalTapiola or a third party. A Customer must save and print the material contained in the online service only for that Customer’s use. Any duplication, dissemination and alteration of the material, and all linking and commercial utilisation or publication of the website, without specific written consent from LocalTapiola or some other right holder is forbidden.

This agreement is subject to the laws of Finland. Any disputes arising from this agreement are settled at the Länsi-Uusimaa District Court.