Terms and conditions – OP Light Entrepreneurship Without Business ID

Effective from 1 April 2026.

1 Application of the terms and conditions

1.1 These Terms and Conditions apply to the OP Light Entrepreneur without Business ID 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. 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.

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 under 1.2.

3 Service description, content and restrictions

3.1 The Service is an invoicing service provided and maintained by the Service Provider. It enables invoicing as a company for persons without a business ID. The Service provides the User with a way to create and send invoices to companies and private persons. Invoicing is performed by using the Service Provider's name and business ID.

The User send invoices through the system created by the Service Provider, and the User's customer pays them through the Service Provider. The service fee, withholding tax and any health insurance contribution are deducted from the VAT-free amount of the invoice if the User is liable for YEL pension insurance. The remaining amount is the User's salary. The Service takes care of settling VAT and withholding tax with the Tax Administration.

Invoicing always includes VAT, and the share of VAT is deducted from the payment made to the User.

3.2 The Service can only be used to invoice legal business activities. Some licensed lines of business are excluded from the Service. For more detailed restrictions on lines of business, see the Service description.

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.

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.

3.4 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.

3.5 The Service Provider only acts as the provider of the Service, and is never a party to any agreements between the User and third parties. The User is responsible for making an assignment agreement between the User and this customer, and for the agreement's content. The Service Provider is not responsible for the assignment agreement's content or the obligations included in it. The User shall provide the Service Provider with information about the content of the assignment agreement and the work performance if the Service Provider requests it.

3.6 No employment contract or other similar contract exists between the Service Provider and the User in connection with using the Service.

3.7 The Service is only suitable for invoicing work performances based on an assignment agreement. The Service is not suitable for selling goods or products. The Service is not suitable for salary payment in an employment relationship. Practical training cannot be invoiced through the Service. Practical training normally involves supervision and guidance by the company, due to which it is not an independent assignment. An employment relationship may form between the User and the company.

3.8 To register as a user, the User must have a Finnish personal identity code and a permanent address in Finland, and they must be liable to pay tax in Finland.

3.9 To use the Service, the User must have a bank account in Finland. Payments through the Service will only be made into an account in Finland. Taxes will only be paid to Finland through the Service.

3.10 The User cannot use the Service if they have an existing business ID. For private traders with a business ID, we offer the OP Light Entrepreneur service.

3.11 The Service Provider will not handle the invoicing of a disputed invoice or transfer a disputed invoice to debt collection. The User is responsible for ensuring that invoices submitted through the Service correspond to what the User and their customer have agreed on. If a complaint concerning an invoice submitted through the Service is made to the Service Provider, the Service Provider shall inform the User about it, and the User must aim to solve the problem with the invoice's recipient. If the User and the recipient of the invoice cannot reach an understanding on invoicing, the Service Provider will not continue invoicing the assignment in question.

The User is responsible for the accuracy of invoice information. Once the User has approved an invoice for submission, they cannot cancel it.

3.12 The Service Provider makes the agreed payments and pays the salary to the User only after the User's customer has paid their invoice.

3.13 If the User invoices a customer located outside Finland, the User must clarify their customer's VAT registration information. Private and corporate customers inside the EU can be invoiced in the Service. Invoices cannot be submitted outside the EU through the Service.

3.14 The Service Provider is only responsible for its own actions in all circumstances. Limitations of liability related to the delivery of the Service have been set out in more detail under

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 to 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 and requested by the Service Provider at any given time, possible 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 that the information and material provided by the User are accurate or complete. The Service Provider has the right to check the accuracy of information and material provided by the User, and require that the User correct them.

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.

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, and compliance with consumer protection when offering services to consumers). The Service Provider's liability is always limited to Services specifically set out in the Service description.

The User is responsible for clarifying, understanding and fulfilling their own accounting obligation.

4.5 The User is responsible for ensuring that the User has sufficient insurance cover in addition to the cover included in the Service, considering the nature of the User's business activities. The User is responsible for finding out whether their business activities require insurance policies (e.g. YEL pension insurance). The User is responsible for taking out insurance required by law. The User must inform the Service Provider about the User's obligation to take out a self-employed person's pension insurance or similar insurance, and whether the User has taken out such insurance.

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

4.7 It is the User's responsibility to personally find out whether the Service has any impact on their benefits and obligations such as the right to receive unemployment benefit or other benefits.

4.8 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.

4.9 The User understands and accepts that if they have liabilities in enforcement, the enforcement may also concern income invoiced through the Service. The User shall handle matters and questions related to distraint with the enforcement authority.

4.10 The User will be responsible for keeping a kilometre log, as required by the Tax Administration. They will also be responsible for proving that the requirements for the payment of tax-free kilometre allowance and/or daily allowance are met. The Service Provider has the right to request additional information and details about invoicing from the User anytime, and reject the invoice if they do not receive sufficient information.

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. A person placed under legal guardianship cannot register as a User 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 Service Provider has the right to disclose information about the User's use of the Service to Pohjola Insurance Ltd for purposes related to the User's insurance cover.

6.1.6 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.

6.1.7 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.

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. The changes become effective immediately unless stated otherwise. In the event of a change, the service charge is determined based on the invoice's submission time.

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:

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.

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 payments made through 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 Personal Data Act, 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. 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 has the right to disclose the User's personal information and third parties' personal information provided by the User to Pohjola Insurance Ltd if this is required to apply rights and obligations related to the User's insurance cover based on the Service.

9.4 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.

9.5 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.

9.6 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.

9.7 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.

9.8 Unless otherwise expressly agreed in the Agreement or provided by mandatory laws, the Service Provider has no 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 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 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 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 valid for as long as the User uses the service.

15.2 If the User wants to stop using the service, active termination measures are unnecessary. The User only needs to stop using the service.

15.3 The Service Provider has the right to prevent the submission of an individual invoice if the Service Provider considers the invoice to violate the Agreement. The Service Provider has the right to prevent use of the Service entirely if the User violates the Agreement, or the Service Provider has a justified reason to suspect a breach of agreement. The block will take effect immediately. The Service Provider shall inform the User about the block without undue delay. The block will remain in effect until the Service Provider issues a notification about removing the block.

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 Sanctions

OP Palvelut Oy does not provide the service to a User who is subject to international sanctions or acts on behalf of a private or legal person subject to such sanctions.
International Sanctions refer to sanctions, financial sanctions, export or import bans, trade embargoes, or other restrictions imposed, administered, approved or executed by the Finnish government, United Nations, European Union, United States of America and United Kingdom or their competent authorities or governing bodies, or to administrative asset freezing measures imposed by the Finnish National Bureau of Investigation.
OP Palvelut Oy is not responsible for delays or blocks in invoice payment that are caused by actions or obligations of payment service providers used by the parties.

18 Amending the Agreement

The Service Provider has the right to change the Agreement (incl. Terms and Conditions) by issuing a notification about the change in the Service. The changes will become effective immediately. If the User does not accept the changes, they must stop using the Service.

19 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

20 Applicable law and settlement of disputes

20.1 The laws of Finland will apply to this Agreement.

20.2 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 Ombuds.

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.

20.3 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

21 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. 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.