Terms and conditions – OP Light Entrepreneur service

Effective from 9 June 2026.

1 Application of the terms and conditions

1.1 These Terms and Conditions apply to the OP Light Entrepreneur service.

1.2 Using the service requires registration as a User. By registering for the Service, the User confirms that they have read these Terms and Conditions and this Service description, which constitute the Agreement concerning the use of the Service ("Agreement") between the User and the Service provider. The User can add additional services offered by the Service Provider to the Agreement ("Additional service") by accepting the Additional service's terms and conditions in the Service. When using the Service, the User agrees to abide by the Agreement, valid legislation and the Service Provider's instructions for using the Service. For the sake of clarity, note that marketing material related to the Service or services offered by third parties in the Service are not part of the Agreement.

1.3 If the User does not accept the Agreement, they do not have the right to use the Service and must stop using the Service immediately.

1.4 The Service is only intended for use in the User's business activities. The User understands and accepts that due to this, the Consumer Protection Act does not apply to the Service's provision and use.

1.5 The Service may contain links to third parties' websites and services. The Service Provider is not responsible for these third party services or websites in any respect. When transferring to other services or websites linked to the Service, the User understands that these services and sites are not controlled by the Service Provider, and that the Service Provider has no power to affect their content or functionality. If a third party’s link is included in the Service, this does not mean that the Service Provider advertises its services and sites in any manner or form.

1.6 The Service Provider has the right to alter the Terms and Conditions in accordance with clause 17 (Amending the agreement).

1.7. If there are any discrepancies between the different language versions, the Finnish versions will apply.

2 Definitions

2.1 "User" refers to a natural person who is self-employed and a party of this Agreement, and uses the Service in connection with their business activities.

2.2 "Terms and Conditions" refers to these terms and conditions.

2.3 "Service" refers to this website op-kevytyrittaja.fi and all services offered by the Service Provider to Users on this website it maintains, by phone or by email, including information, services and products from this website.

2.4 "Service description" refers to a document describing the content of the Service, located on this website's Service description page.

2.5 "Service provider" refers to OP Palvelut Oy.

2.6 "Agreement" is defined above in section 1.

3 Service description, content and restrictions

3.1 To use the Service, the User must have a bank account in Finland (an account whose IBAN code starts with the letters FI) and a permanent address in Finland. Income invoiced through the Service will only be paid into a Finnish account.

3.2 The Service is an online service provided and maintained by the Service Provider. It helps the User establish a business ID and handle its accounting, payments and notifications to the authorities, as well as any other obligations related to the business ID, in accordance with the Service description. The Service can only be used for legal business activities.

3.3 The Service only includes the functionalities specifically set out as part of the Service in the Service description valid at any given time.

3.4 The Service does not include, and the Service Provider is not responsible for, any other functionalities than those set out in the Service description. The Service Provider shall not be responsible for the User's business activities, their planning or implementation in any part, and the Service does not contain any kind of counselling or tax consultancy related to business activities. Without limiting the above, for the sake of clarity, note that the following services are not part of the Service:

• legal advice, complaints, legal proceedings, or other procedures or notifications to the authorities than those expressly mentioned in the Service description as included in the Service
• other measures related to taxation than those specifically set out in the Service description
• double-entry bookkeeping
• payroll administration and other services related to employees
• receipt and payment of invoices
• sending invoices abroad
• accounting for income received from abroad
• income earned from the sale of sexual services.

3.5 The Service Provider has the right to add, change and remove parts of the Service, disable the Service temporarily or permanently to implement new features, and add special conditions to any feature of the Service. Artificial intelligence application solutions can be utilised to provide or develop the Service.

3.6 The Service Provider only acts as the provider of the Service and is never a party to possible agreements between the User and third parties.

3.7 The Service Provider is only responsible for its own actions and the services specifically agreed in this clause 3 in all circumstances. Limitations of liability related to the delivery of the Service have been set out in more detail under clause 13.

4 User's liability and obligation to contribute to the delivery of the service

4.1 The User understands and accepts that the delivery of the Service to the User requires the following: the User abides by the Agreement and instructions issued by the Service Provider at any given time, and contributes otherwise to the delivery of the Service (including by providing information needed by the Service Provider at any given time, authorisations and performing other actions at the right time in the correct format, and with error-free and perfect content). The Service shall be performed based on information provided by the User, and the Service Provider is not responsible for checking and will not check that the information and material provided by the User are accurate or complete.

4.2 The User is responsible for ensuring that they are able to provide and receive the material to be delivered electronically to the Service in the format required by the Service description or required otherwise by the Service, in accordance with possible separate instructions issued by the Service Provider. The information and material required to perform the Service must be given to the Service Provider in a timely manner, at the latest by the times mentioned in the Service description. The purpose of this is to allow the Service Provider to perform the agreed tasks appropriately during normal working hours.

4.3 The User accepts that the Service Provider may change the content and delivery method of the Service during the validity period of the Agreement. Whenever possible, the Service Provider undertakes to notify the User about any changes in advance through the Service or by email to the email address provided in the Service by the User. The changes may lead to needs for changes in the User's own activities, to be paid by the User. If the Service Provider changes the Service unilaterally, the User has the right to terminate the Agreement as of the date when the Service change becomes effective.

4.4 For the avoidance of doubt, the User is always responsible for their business activities, their lawfulness, planning and implementation, and their liabilities in relation to third parties (incl. tax liabilities and liabilities related to other authorities). The User is obligated to keep accounting records and responsible for their accounting, for their taxes as a taxpayer, and for employer obligations as the employer of their staff. The Service Provider's liability is always limited to Services specifically set out in the Service description.

4.5 The User understands that international invoicing involves separate requirements and restrictions, described on the website restrictions on international sales. The User agrees to abide by these requirements and restrictions. If the User sends invoices abroad, they must always ensure that invoicing corresponds to the up-to-date requirements and restrictions listed on the mentioned website before accepting an assignment and sending an individual invoice. The User acknowledges and accepts that the website and its requirements and restrictions will be updated without further notice. The Service Provider is not responsible for the User's loss of earnings caused by the inability to invoice due to the restrictions described here.

4.6 If the User invoices abroad, they are responsible for determining whether these activities involve tax or other obligations in the country in question for the User. The Service Provider is not responsible for determining the User's possible foreign tax liability or fulfilling such obligations.

4.7 The User accepts that business income is taxed entirely as earned income (share of capital income tax: 0%).

4.8 The User understands that using the Service and registering a business ID may affect the User's right to receive unemployment benefit or other benefits, for example. It is the User's responsibility to personally find out whether using the Service has any impact on their benefits and obligations.

4.9 The User is responsible for their own hardware and telecommunications connections required to use the Service, and data security for their part. The User shall also ensure that their antivirus and other protection systems are functioning and up to date.

4.10 The User undertakes to handle all changes related to registering a business ID or tax matters primarily through the Service. The User is responsible for informing the Service about any changes made by the User themself.

4.11 The User undertakes to notify the Service about letters or other contacts from the Tax Administration that may affect the tax matters of the business ID, and of which the Service has not informed the User separately.

4.12 The User understands and accepts that if the User has a tax debt, the payments made by the Service Provider to the Tax Administration may be allocated to a previous tax debt, and a new tax debt may be created from taxes concerning the User's business activities. The User is responsible for paying any new tax debt to the Tax Administration.

4.13 The User understands and accepts that using the Service requires the User to have a valid entry in the prepayment register.

The User must be aware of their tax liabilities, including the obligation to register in the VAT register. When the User starts using the Service, they shall specify whether the User will be entered in the VAT register. The User can also indicate to the Service Provider later that they wish to be entered in the VAT register. If the turnover from the User's business activities was at least 20,000 euros during the current or previous calendar year, the User must select to be entered in the VAT register.
In any case, the Service Provider shall enter the User in the VAT register on its own initiative by the time the User's invoicing through the Service reaches the limit of 20,000 euros (sales value without tax) for the current calendar year. VAT shall be withheld and settled for the total invoice that exceeded this limit.

A User entered in the VAT register will remain in the register at least for the current and next year. They can only be removed from the register when the prerequisites set by the tax authorities are fulfilled.
However, an entry in the VAT register is not required if the User's line of business is VAT-exempt according to the Value Added Tax Act.

VAT for the invoices of Users entered in the VAT register shall be settled according to invoice details. The Service Provider has the right to require the User to correct the VAT specified on the invoice.

Information about VAT liability and the obligation to be entered in the VAT register is available from the tax authorities' customer service and in the instructions found on the Tax Administration's website.

5 Service quality and customer service

5.1 The Service is provided "as is" without any guarantees on the availability or service levels of the Service. The Service provider aims to keep the Service available at all times but does not guarantee the uninterrupted or error-free operation of the Service. There may be breaks or interruptions in the Service due to issues such as maintenance operations, too much traffic or another reason. If there are interruptions, we will notify this in advance through the Service whenever possible. The Service provider is not liable for any damage, or loss of benefit or use caused by service breaks.

5.2 Furthermore, the Service Provider is not liable for damage caused to the User or third parties by malfunctions of the Service, technical faults, malware, links or interruptions.

5.3 The Service's customer service is organised mainly through the chat service, and customer service requests are answered as soon as possible. However, the Service Provider does not guarantee a certain reply or resolution time for customer service contacts.

6 Registration, authorisations and user information

6.1 Registration and accuracy of information

6.1.1 To use the Service, the User must register with the Service, and provide required personal and other information. Natural persons who are over the age of 18 and are starting and conducting business activities can register as Users of the Service.

6.1.2 The User agrees to give accurate information about themself when registering to the Service, after which a user account will be created for them in the Service.

6.1.3 The Service Provider has the right to check the information provided by the User from external sources and amend details concerning the User based on this, considering applicable laws in force.

6.1.4 The Service Provider has the right to not grant access rights to the Service, or suspend the Service if all required user details have not been provided, they are insufficient, incorrect or inappropriate, or the User does not fulfil the criteria for granting access rights in other respects.

6.1.5 The User must keep the user details and contact information they entered in the Service up to date and inform the Service Provider without delay about any changes to user details. The user account, username and password are user-specific, and they must not be given or disclosed to third parties. The User is responsible for any use of the Service with their user account.

6.1.6 The User is responsible for ensuring that any information supplied by them to the Service is accurate and up to date. The Service is provided based on the information given by the User. If the User enters incorrect or obsolete information in the Service, the Service Provider is not responsible for any errors, costs and consequences it causes. If the User notices invalid information in the Service, they must notify the Service Provider about them without delay.

6.2 Authorisations

6.2.1 To use the Service, the User must give the Service Provider the authorisations required by the Service Provider to establish, reactivate and terminate a business ID and/or business name, to handle other matters with authorities, and to deliver other aspects of the Service.

6.2.2 The Service Provider may require the renewal of the authorisations or new authorisations during the validity of the Agreement. The User is responsible for granting the appropriate authorisations and accepts that if the authorisations are insufficient, the Service Provider is not responsible for the flawless availability of the Service. In addition, the Service Provider has the right to refrain from offering the Service and/or cancel the Agreement due to an insufficient or invalid authorisation in accordance with cause 15.

6.2.3 To use the Service, the User must give the Service a Suomi.fi mandate to handle tax matters after the business ID has been granted.

6.2.4 The Service Provider aims to ensure that all parties relevant for the use of the Service accept authorisations granted through the Service. However, each party always decides whether it accepts an authorisation. The Service Provider is not responsible for a third party not accepting an authorisation. If a third party does not accept an authorisation, the Service Provider shall notify the User as soon as possible.

6.3 Politically Exposed Persons (PEP)

6.3.1 If the User or their family member or associate is considered a politically exposed person (PEP) in Finland or another country, the User must report this to the Service's customer service before starting to use the Service.

6.3.2 According to the Act on Preventing Money Laundering and Terrorist Financing, politically exposed persons (PEP) are those who perform the following functions or have performed such functions within the last 12 months in Finland or another state:

• a head of state, prime minister, minister, deputy minister or assistant minister;
• a member of parliament;
• a top-ranking official of a political party;
• a member of a higher-level court, constitutional court or another similarly high-level judicial body whose decisions are not subject to appeal, except in exceptional circumstances;
• a member of the supreme body of the Court of Auditors or a member of the supreme body inspecting the management of state finances and corresponding to the National Audit Office;
• a member of a central bank's board of directors;
• an ambassador or chargé d’affaires;
• a high-ranking officer of the armed forces holding at least the rank of general;
• a member of the administrative, management or supervisory body of a fully state-owned enterprise; or
• a director, deputy director or Board member of an international organisation.

6.3.3 Family members of a politically exposed person include the following relatives of persons in the positions listed above:

• spouse or partner considered by the country’s national legislation as equivalent to a spouse
• children and their spouses or partners as specified above
• parents.

6.3.4 Politically exposed persons also include European Parliament members appointed by another state, Commissioners, and representatives of another state in the European Court of Justice and the European Court of Auditors. Business associates of a politically exposed person include persons listed in §1, paragraph 4 of the Act on Preventing Money Laundering and Terrorist Financing.

6.3.5 If the User fails to comply with the reporting obligation to the Service mentioned above, the User has no right to access the Service.

7 Service charge and deducting the service charge and other payments from the user's income

7.1 OP charges fees for the use of the Service based on the list of service charges and fees valid at any given time. The Service's list of charges and fees and payment terms are part of the Service description. The Service Provider has the right to change the service charges by issuing a notification about the change in the Service or otherwise in writing at least 30 days before the change takes effect. If the service charge is increased, the User has the right to terminate the Agreement as of the date when the changed prices become effective.

7.2 The User authorises the Service Provider to deduct the service charge for using the Service, any other charges, taxes as earned income taxation and other statutory payments from amounts paid directly to the User through the Service as follows:

• When the User invoices their customer for products or services through the Service, the payments made by the customer are first received in the Service's user account.
• The Service Provider shall deduct the service charge, any other costs and necessary taxes and statutory payments, after which the funds will be transferred to the account designated by the User. The Service Provider shall deduct the necessary withholding tax for the User's business activities as earned income only.
• The prices and other charges in the Agreement include the taxes and other public charges, excluding VAT, which will be added to the service charge and other charges mentioned in the Agreement according to the applicable laws in force. If a new tax or public charge, which is aimed directly at the Service and is similar or equivalent to Value Added Tax, enters into force after the Agreement is made, the Service provider has the right to add such a tax or payment to the service charge of the Service in a way equivalent to the Value Added Tax.

7.3 Default interest shall be charged in accordance with the Finnish Interest Act.

8 Obligation on processing payments and receipts through the Service; minimum usage limit

8.1 The User undertakes to comply with the following: all income related to the User's business activities shall be recorded in the Service in accordance with the Service Provider's instructions, receivables shall be invoiced through the Service, payments related to business activities shall be made via the Service, and all receipts related to such income and costs shall be processed through the Service.

8.2 The User understands that the Service Provider can only offer the Service when the User acts in accordance with section 8 above.

The User understands and accepts that if the User acts in violation of this clause 8, the Service Provider is not responsible for the accuracy of the User's accounting, notifications or other properties of the Service.

9 Personal data processing

9.1 The processing of any personal data supplied by the User in the context of the Service is governed by the Data Protection Act (1050/2018) and other mandatory laws on the processing of personal data that are in force in Finland at any given time, especially the EU’s General Data Protection Regulation (GDPR, 2016/679). The file description of the Service is available on the website's Privacy Notice page.

9.2 The Service Provider has the right to process any personal data concerning third parties that is included in the information and documentation supplied by the User in the context of the Service. The User, as the controller, is responsible for ensuring that the User has the right to process the data in question, supply the same to the Service Provider for processing in the context of the Service and authorise the Service Provider to process the same pursuant to the Agreement. The User is also otherwise responsible for the accuracy and lawfulness of personal data. The Service Provider acts as a processor in respect of such third-party personal data on behalf of the User pursuant to the latest personal data laws.

9.3 The Service Provider shall inform the User as stipulated by law if a data security breach occurs in its operations that concerns personal information processed on behalf of the User. The Service Provider is entitled but not obliged to handle communications concerning the possible data security breach to authorities, data subjects or in public on behalf of the customer. For the sake of clarity, the User is primarily responsible for statutory notifications.

9.4 The User accepts that the Agreement constitutes the instructions based on which the personal data provided by the User is processed and, due to the nature of the Service, the Service Provider cannot receive any other special instructions related to personal data processing from the User.

9.5 For its part, the Service Provider is responsible for its personnel being committed to appropriate confidentiality obligations regarding the processing of personal data and for taking appropriate measures to ensure the secure processing of personal data provided by the User. The User is solely responsible for complying with obligations set for controllers in legislation concerning third parties' personal data that is included in the information and documentation supplied by the User. In view of the nature of the Service, the User also accepts that the Service Provider cannot commit to assisting with technical or organisational measures that may be required concerning the User's obligations in relation to data subjects and the implementation of their inspection rights or other rights set out in applicable legislation.

9.6 The User accepts that the Service Provider may use third parties such as other data processors when providing the Service. Such third parties can also be outside the European Economic Area, in the United States, for example. The Service Provider’s right to disclose data concerning such third parties is subject to its confidentiality obligations at any given time. If the User does not accept the use of such third parties to provide the Service, the User must stop using the Service immediately.

9.7 Unless otherwise expressly agreed in the Agreement or provided by mandatory laws, the Service Provider does not have an obligation to keep any data provided by the User after the User's Agreement has ended. During the validity of the Agreement, the User may have the right, based on applicable laws, to obtain information necessary to prove that the Service Provider has complied with the Agreement and applicable legislation when processing personal data. If applicable legislation requires it, the Service Provider may allow for audits conducted by the User or another auditor authorised by the User to verify the lawfulness of the processing of personal data, and participate in the audits. All such audits are conducted at a time and in a manner acceptable to the Service Provider, and the User is liable for all costs associated with such audits (including any costs incurred by the Service Provider that the Service Provider has the right to charge to the User).

10 Copyright, other intellectual property rights, and the user's responsibility for material sent

10.1 The Service and its content are protected by copyright and other intellectual property rights. All names, trademarks and other logos used in the Service, as well as all intellectual property rights to the Service or belonging to the Service Provider remain the property of the Service Provider or its partners.

10.2 In the Service, the User is only entitled to access and download material for using the Service in accordance with the Agreement in the manner enabled by the Service's user interface.

10.3 The User does not have the right to edit the data held in the Service in any way or to make copies of the same unless otherwise expressly agreed in writing.

10.4 The rights to the material and databases created by the Service Provider belong to the Service Provider. The Service Provider has the right to keep any material created by it based on content supplied by the User or otherwise created for the User until all due payments from the User to the Service Provider have been made unless otherwise provided by bankruptcy or other applicable mandatory laws.

10.5 The Service Provider is entitled but not obliged to store any material it creates or other material related to the Service after the Agreement has ended.

10.6 The User is responsible for all material and content they create in the Service, as well as their accuracy. In particular, the User is responsible for ensuring that the material in question is not against the law or good practice, and does not violate anyone's copyright or other rights.

10.7 The Service Provider has the right to change or remove from the Service unilaterally text or other material that the Service Provider deems to be contrary to law or good practice, inappropriate or incorrect without hearing the User. The Service has no obligation to notify of the removal of material.

10.8 The User is responsible for any claims for compensation or other claims from third parties, expenses and costs related to the material provided by the User.

10.9 The User must not register a username that violates material protected with copyright, domain name, trademark right or other intellectual property rights, or is contrary to good practice or offensive.

10.10 By creating material or content for the Service, the User gives the Service Provider and its service providers the right to utilise, publish, modify, copy and otherwise access sent material and content to provide or develop this Service.

11 Confidentiality

11.1 Any information related to the Agreement and the Service, disclosed by one party to the other, is confidential ("Confidential information").

11.2 However, the following is not confidential information:

(a) information that was public or publicly known at the moment of disclosure or became public or publicly known after its disclosure without any participation from the party that received the information in question;

(b) information already held by the receiving party before its disclosure if the information in question did not come directly or indirectly from the party disclosing it;

(c) information that the party is obliged to disclose by virtue of a law or decision by a court of competent jurisdiction or authority if the party discloses the information in question due to such an obligation; and

(d) information that the party received after receiving it from a third party that did not obtain it directly or indirectly from the other party, and that had the legal right to disclose that information to the receiving party.

11.3 The parties agree to keep all Confidential Information received directly or indirectly from the other party secret and not to disclose it to others. The Parties shall refrain from using Confidential Information for any purpose other than the preparation or implementation of cooperation required by the Agreement and the Service.

11.4 The confidentiality obligation set out in section 11 shall remain in effect for five (5) years after the end of the Agreement.

12 Responsibility for compliance with laws

The User is responsible for reviewing the results of the Service. The User is also ultimately responsible for ensuring that financial statements, accounting, notifications and other documents concerning taxation, and all other outcomes of and measures related to the Service fulfil the requirements of valid laws, regulations issued by the authorities, and other regulations, and that the outcomes of the Service have been created in accordance with the requirements mentioned above, and the notifications are provided on time.

13 Limitations of liability

13.1 The Service Provider is not responsible for losses caused by errors in the User's financial statements, tax returns or other tax-related documents, or delays caused by them. Furthermore, the Service Provider is not responsible for penalty interest or other sanctions for late payment or other losses caused by an error in the Service or a delay due to it which leads to violating the law or other regulations or a contract with a third party. The Service Provider is not liable for damage caused by errors or delays in invoicing, or the alteration or loss of information.

13.2 The Service Provider is never liable for indirect losses.

13.3 The maximum amount of the Service Provider's liability for direct loss is always up to 1,000 euros for one loss event and up to 2,000 euros for loss events that occurred during one year. A loss is considered to be a single loss event, even if the same recurring error caused it, and it impacted several financial years. A loss is deemed to have occurred entirely during the year when most of it occurred, even if part of the loss occurred in another year.

13.4 The Service Provider is not liable for damage if the loss has been caused by deficiencies, errors or delays in the information, instructions or material provided by the User, or another reason related to the User or caused by an action by the User or their representative.

13.5 If the User notices an error in the functioning of the Service, they must notify the Service Provider about it without delay. In that case, the Service is entitled and obligated to correct the error it caused without charge within a reasonable time. If the customer fails to report an error that the User has noticed or reasonably should have noticed, the User has no right to make claims based on the error.

14 Making claims

Claims to the Service Provider must be made in writing and without delay. If an itemised claim has not been made to the Service Provider within six (6) months of acknowledging the loss, no compensation is paid. Furthermore, no compensation is paid if the claim is made when more than a year has passed since the provision of the service in question.

15 Validity of the Agreement

15.1 The Agreement is effective until further notice.

15.2 The User has the right to terminate the Agreement with a notice period of 30 days by notifying the Service Provider either (i) through the Service or (ii) by email.

15.3 The Service Provider has the right to terminate the Agreement with a notice period of 60 days by notifying the User by email to the email address provided by the User.

15.4 The Service Provider has the right to terminate the Agreement with immediate effect if the User has not sent a single invoice through the Service during the previous 12 consecutive months or within 3 months of registering as a User of the Service. The Service also has the right to terminate the Agreement with immediate effect if the User has not been entered in the prepayment register and VAT register within 1 month of registering as a User of the Service, and the cause of the missing register entry is not on the Tax Administration's side. However, an entry in the VAT register is not required if the User's line of business is VAT-exempt according to the Value Added Tax Act.

15.5 In addition to what is agreed elsewhere in these Terms and Conditions on the Service Provider's right to terminate the Agreement, the User and the Service Provider have the right to terminate the Agreement if the other party violates the Agreement materially and does not correct their violation within 7 days of a written reprimand. A violation of clauses 4.1, 6.1–6.3, 8 and 10 of these Terms and Conditions, for example, is always considered a material breach of agreement by the User. The Service Provider has the right to limit access to the Service entirely or in part, and/or terminate the Agreement, if there is cause to suspect that the Service is used unlawfully, in an unauthorised manner, or with fraudulent intent. The Service Provider also has the right to terminate the Agreement if the User is declared bankrupt or set up for debt restructuring/debt adjustment, or is subject to international sanctions.

15.6 The Service Provider has the right to consider limiting or preventing the User's international invoicing anytime.

15.7 When the Agreement has ended, the User must stop using the Service immediately and destroy any material owned by the Service Provider and held by the User. For the sake of clarity, please note that the User has the right to retain the accounting records they have received in accordance with clause 15.8.

15.8 When the Agreement has ended, the Service Provider shall deliver or offer the User the possibility to download the User's accounting records held by the Service Provider in the format and manner selected by the Service Provider (e.g. through the Service's maintenance tool). The Service Provider has no other obligations to the User when the Agreement ends unless otherwise agreed in writing.

15.9 Irrespective of the termination of the Agreement, the clauses of the Agreement and the rights and obligations included in them which must be regarded to be intended to remain in force despite the termination, shall remain in force. These include at least clauses 10, 11, 12, 13 and 19 of the Terms and Conditions. For the sake of clarity, please also note that the Service Provider has the right to receive payment for services performed before the end of the Agreement, even if the payments were due for payment after the Agreement has ended.

16 Force majeure

The Service Provider cannot be held liable for any delays or losses resulting from events that are beyond the Service Provider’s control, that the Service Provider could not reasonably be expected to have foreseen at the time of concluding this User Agreement, and the consequences of which the Service Provider could not reasonably be expected to have circumvented or overcome. Force majeure events include disruptions in telecommunication or other electronic communication networks that are independent of the Service, as well as any faults or delays in the operation of the Service that are the result of a fire or another kind of disaster. Strikes, lockouts, boycotts and other forms of industrial action constitute a force majeure event even when the Service Provider is the target of or involved in the same.

17 Amending the Agreement

The Service Provider has the right to change the Agreement (incl. Terms and Conditions) by informing the User about the change 30 days in advance in writing, such as by email or through the Service, by using the User's contact details saved in the Service. The User has the right to terminate the Service as of the date when the change becomes effective if material changes are made to the Agreement to the detriment of the User. The Service Provider also has the right to change the Agreement with immediate effect by issuing a notification in the Service if the change does not increase the customer's obligations or decrease their rights.

18 Order of precedence

If the agreement documents include conflicting content, their order of precedence is as follows:

1. These Terms and Conditions
2. Service description

19 Applicable law and settlement of disputes

19.1 The laws of Finland will apply to this Agreement.

19.2 If the User is dissatisfied with the Service Provider's reply to their claim according to clause 14 of the Terms and conditions, the User can submit their case in writing to OP Pohjola's Customer Ombudsman.

The Customer Ombudsman’s handling of the matter is independent of the previous decision – it is a fast, free-of-charge channel for addressing complaints.

OP Customer Ombudsman
Gebhardinaukio 1, FI-00013 OP
asiakasasiamies@op.fi

To contact the Customer Ombudsman directly, please fill in and send a correction request form, available on our website www.op.fi/asiakasasiamies. The correction request can also be delivered by post or email.

Instead of contacting the Customer Ombudsman, or if the User is dissatisfied with their decision, the User may submit their case for arbitration in accordance with clause 19.3 of the Terms and conditions.

19.3 Any disputes arising from this Agreement shall be settled by arbitration in accordance with the Arbitration Rules of the Finland Chamber of Commerce. The arbitral tribunal will comprise a sole arbitrator. Any such arbitration proceedings will take place in Helsinki. Arbitration shall be conducted in Finnish. Notwithstanding what was agreed above, the Service Provider may collect its receivables from the User through the Helsinki District Court

20 Assignment of the Agreement and the service

The Service Provider has the right to assign the Agreement and/or Service or part of it to a third party by notifying the User through the Service or otherwise in writing. The User does not have to right to assign the Agreement or the rights or obligations related to it to anyone, or to allow third parties to use the Service.

21 Order of precedence

If the agreement documents include conflicting content, their order of precedence is as follows:

1. These Terms and Conditions
2. Service description

22 Applicable law and settlement of disputes

22.1 The laws of Finland will apply to this Agreement.

22.2 Any disputes arising from this Agreement shall be settled by arbitration in accordance with the Arbitration Rules of the Finland Chamber of Commerce. The arbitral tribunal will comprise a sole arbitrator. Any such arbitration proceedings will take place in Helsinki. Arbitration shall be conducted in Finnish. Notwithstanding what was agreed above, the Service Provider may collect its receivables from the User through the Helsinki District Court