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Terms of Use for Electronic Consumer Services

3.6.2019

1 Subject of agreement, contracting parties and terms and order of precedence

1.1 These terms of use (hereinafter referred to as the “Terms of Use”) apply to the consumer web services that require registration (hereinafter referred to as the “Services”) provided by Posti Ltd and Posti Group companies (hereinafter referred to as “Posti”) to private individuals (hereinafter referred to as the “Customer”).

1.2 The contents of the Services shall be determined in accordance with these Terms of Use and, with respect to certain services, in accordance with separate agreements concerning those services (hereinafter referred to as the “Service Agreements”) and in accordance with the information presented by Posti in connection with the Services. Posti Ltd's consumer services are also subject to Posti Ltd's general delivery terms for cash and consumer customers (“General delivery terms”). By registering to the Services or using the Services, the Customer accepts and agrees to abide by the Terms of Use and other terms and conditions applicable to the Services as well as any guidelines or instructions Posti provides in connection with the Services, on its website or in any other way. If the terms are in conflict, the special terms and conditions of the Service Agreement and Service-specific information presented in connection with the said Service will be applicable.

1.3 Posti's contact details Street address: Postintaival 7 A, FI-00230 HELSINKI. Postal address PO Box 1, FI-00011 POSTI. Business ID: 0109357-9 Inquiries about the Service: posti.fi/contactinformation

2 Registration as the Customer and access to the Services

2.1 Access to the Services requires registration as a user of the Services, verification of identity and acceptance of the Terms of Use as well as any other terms and conditions that are applicable to the Service. The Customer shall have access to the Services based on identifiers given during registration or otherwise. The methods of registration valid at the time are described in connection with the Services.

2.2 Using the Services may require a certain age or another special condition, such as a Finnish personal identity code. Service-specific special conditions are presented in connection with each Service. However, The Customer must be a natural person who is at least 15 years old. Persons under the age of 15 may not accept the Terms of Use in their own name.

3 Processing of personal data and data protection

3.1 The Customer's personal data shall be entered in Posti's customer register upon registration. The Customer's personal data shall be processed in accordance with applicable law, the Terms of Use and Service Agreements as well as in accordance with the privacy statement of the customer register.

3.2 The Customer shall be requested in advance for any consent thereto when the Customer registers for the Service or in connection with the Services, in the Service Agreement or by other means, if such consent is necessary in order to process personal data.

3.3 Personal data provided in connection with the Services may enable the Customer to use or order products and services of third parties. In such a case, the Customer shall be notified of the transfer or other processing of personal data no later than in connection with such processing. Should the transfer or other processing of personal data require the Customer's consent, such consent shall be requested no later than in connection with the processing.

3.4 During registration, Posti shall provide the Customer with a “postal name”, or an identifier similar in nature to a “permanent address” that will individualize the Customer. The postal name shall be used to verify unambiguously the identification of the Customer during the implementation of the Services at Posti and between Posti and its partners. With the Customer's consent, the postal name may also be used for other purposes.

3.5 The Services' data protection and information security policies and related instructions are described on Posti's websites.

3.6 In connection with certain Services, Posti may process personal data that are the property of the Customer. Such data may be, for instance, the Customer’s personal data in the Customer’s address book in the Address Book Service. The Customer may only process the personal data for purely personal purposes or for comparable ordinary and private purposes. Posti processes such personal data on behalf of the Customer for the above-mentioned purpose. Should the service that is covered by this contract involve processing personal data that is possessed by the Customer, the Customer shall authorize Posti with this contract to arrange on its behalf, using EU model clauses, to transfer this personal information, which is possessed by the Customer, to a subcontractor outside of the EU for the purposes of service provision. The EU model clauses ensure that provisions similar to EU legislation are applied to the processing of the personal data outside of EU borders. The transfer does not affect data protection or the confidentiality of information.

4 Use of Services

4.1 The Customer agrees to use the Services according to the applicable terms and conditions, instructions, laws and good practice. The Customer is entitled to use the Services according to the purpose of the Service. Without written consent from the assignee, the Customer is not allowed to copy, distribute, present in public or commercially utilize the Service or parts of it. The Services are only intended for private use by private persons. The Services may not be used for business purposes or as a means of communication in marketing or business.

4.2 The Customer receives and uses the Service at their own risk. The Customer shall cover all of the expenses incurred by using the Services. The Customer is responsible for any orders or payments made or other actions taken in the Services.

4.3 Use of the Service may enable access to the use or ordering of products and services offered by third parties (“Other Service Provider”). In addition, the Services may contain advertising of Posti or Other Service Providers. Posti shall not be responsible for the products, services or operations of Other Service Providers or for any material, information or other content provided by them. If the Customer acquires products or services provided by Other Service Providers, the Other Service Provider in question shall be responsible for such products and services. Posti shall not be responsible for the offers of Other Service Providers or the content thereof. Other Service Providers may register their own customers in their customer register, for which register they themselves bear responsibility.

5 Prices, payment methods and terms of payment

5.1 Prices The prices for Posti's Services shall be determined by Posti's price lists valid at the time. The price lists are available in connection with the Services. Other third parties shall be responsible for the pricing of their own products and services, and for providing the prices and other necessary information to the Customer.

5.2 Amendments to prices Any price changes to the permanent Services selected by the Customer will be announced in accordance with Clause 8.3. and price changes to invoice payment services according to Clause 12.26. The respective price for other services shall be given in connection with each service.

5.3 Value added tax Any changes in VAT or other changes in the prices of Services caused by legislation, statutes or measures taken by the authorities shall be taken into account with immediate effect upon their time of entry into force, at which time they shall automatically be added to the prices. Notification of all such changes shall be given in connection with the Services.

5.4 Methods of payment Services may be paid for using the methods of payment described in connection with the Services. In saving payment card data, a third party approved in accordance with international standards (PCI DSS Card Industry Data Security Standard) registers and saves the card data. Posti charges the agreed fees from the payment card. The accessible methods of payment may change. Notifications of such changes shall be given in connection with the Services.

6 Responsibility of the Customer

6.1 Identifiers The use of identifiers (e.g. username and password) shall be equivalent to the Customer's personal signature in connection with payment transactions, placement of orders and other transactions. The Customer agrees to binding responsibility for all of the measures taken using the Customer's identifier, by an act of the Customer or by order of the Customer. Should the Customer's identifier fall into the hands of a third party or become lost, the Customer shall immediately replace their identifier or notify Posti thereof. The Customer's responsibility for use of the identifier and any damage or loss caused to others by such use ends with immediate effect upon the Customer having given notification to Posti Customer Service or upon the Customer having replaced their identifier. Additional information on the handling of identifiers can be found in Posti's Guidelines on Privacy Protection and IT Security. Posti may hand over the Customer's identifiers to parties other than the Customer only by authorization granted by the Customer or by virtue of law.

6.2 Devices and software The Customer shall be personally responsible for ensuring that the computer and other hardware, software and data communications connections used by the Customer comply with the requirements specified by Posti. The Customer shall be personally liable for the cost and operation of the equipment, software and communications and data communications connections required for the use of the Services as well as for their adequate and sufficient protection and information security. When using the Services, the Customer is obligated to comply with the currently valid user instructions, security guidelines and other instructions and guidelines of Posti. Detailed information can be found in Posti's Guidelines on Privacy Protection and IT Security.

6.3 Information The Customer shall provide information necessary for the Services. The Customer shall immediately notify of any changes in information given. The Customer shall be responsible for the accuracy of information given for the Services. Posti shall verify the Customer's identity only. Posti shall be under no obligation to check or correct other information provided by the Customer in connection with the Services.

6.4 Material Posti shall not monitor the material produced, sent, conveyed or otherwise processed when utilizing the Services, nor shall it be responsible for any illegal or offensive contents of such material. When using the Services, the Customer shall be responsible for not producing, sending, storing or otherwise processing any material that violates copyright or other rights, good practice, law, or official orders. The Customer is responsible for acquiring the necessary permits and consents for the use of any material within the Services in advance from, for instance, the private individuals included in the materials, assignees or other third parties. Violations may result in an obligation to compensate for the damage or loss that is caused thereby, and may lead to penal sanctions. The Customer is, at their own cost, responsible for any disputes related to their material and any consequent legal expenses and other such costs, damages and any other compensation obligations. The Customer shall be responsible for the contents and mode of presentation of material that they have sent or otherwise processed with the aid of or via the Services. If the Customer is able to add their own material to the Services, they must ensure prior to any use of such material, that the material does not breach the Terms of Use, the Service Agreements or guidelines provided by Posti and that the material does not contain viruses or other properties that may cause damage or loss. The Customer shall be responsible for ensuring that they do not import into the Services any material that contains viruses or other harmful properties and that they do not distribute or otherwise harmfully process such material. The Customer shall undertake not to use the Services for sending detrimental or disruptive messages, such as spam, chain letters and unsolicited mass postings.

6.5 Consequences If information provided or material supplied to Posti by the Customer is in violation of the Terms of Use, the Service Agreements or Posti's instructions, Posti shall not be under obligation to implement the Services in accordance with the aforementioned Agreements or information provided by Posti on the Services. If it becomes apparent that the material processed by the Customer with the aid of the Services is offensive in content, infringes upon another party's copyright or other rights, violates law, the Terms of Use or the terms of the Service Agreements or may cause damage or loss, Posti shall be entitled to delete such material. Furthermore, Posti shall be entitled, on grounds of misuse, to cancel the Agreement and/or to suspend use of the Services in accordance with Clauses 9.1, 9.2 and 9.3.

7 Posti's responsibility and liability

7.1 Posti's responsibility for the Services is defined in these Terms of Use and additionally, or divergently, in the Service Agreements and in connection with the Services.

7.2 Posti will be responsible for ensuring that the encryption and security methods used in Service-related data transfer and processing are appropriate, so that the said methods will ensure the protection of confidentiality as prescribed by law when using the Services. Posti will administer the Services in such a way that they are available for use 24 hours a day, 7 days a week. Posti may temporarily suspend the Services, e.g. due to alterations or repairs, or measures caused by system maintenance. Posti will not guarantee the continuous or flawless availability of the Services.

7.3 The sender will be responsible for the contents and form of electronic and physical messages as well as other material conveyed by Posti. The sender will also be responsible for having obtained all necessary consents and approvals from the recipient, and for the fact that the law in force entitles them to send messages to recipients. Posti will only be responsible for the materials produced by Posti.

7.4 Posti's liability for damages shall be determined according to the laws and terms subject to the Service. The liability and compensation principles set out in Posti's General delivery terms shall also be followed.

7.5 Posti will only be liable for direct damages limited to the amount paid by the Customer for said service, unless otherwise prescribed in the mandatory applicable law.

7.6 The Customer will as soon as possible notify Posti of any errors discovered in the Service. The notification must be submitted within a reasonable time after the consumer discovered the error or should have discovered it. Transport Services have sector-specific rules for remarks and expiry, which are indicated in the general terms of delivery.

8 Amending the terms

8.1 The Customer will be aware of the fact that Posti is continuously developing the Services, which is why the range and contents of the Services available for use may change. Posti has the right to discontinue the provision of the Services or a part of them. In such a case, Posti will be entitled to terminate the Agreement with respect to the Services or the part thereof that has been discontinued in accordance with Clause 9.1.

8.2 If the Customer's obligations are not increased or their rights decreased by an amendment to the Terms of Use or the Service Agreement, or if the amendment to the agreement is due to a change in legislation or a decision taken by the authorities, Posti will be entitled to give notification of such a change in connection with the Services. Any amendment due to a change in legislation or a decision taken by the authorities will enter into force with immediate effect. Other amendments will enter into force at the time notified by Posti.

8.3 If the Customer's obligations are increased or their rights decreased by an amendment to the Agreement and the amendment is not due to a change in legislation or a decision taken by the authorities, Posti shall notify the Customer of the amendment by physical or electronic letter or by other, personal means via the Services or in some other manner. The amendment will enter into force at the time notified by Posti, but not earlier than after 30 days of Posti having announced the amendment.

8.4 If the Customer does not accept the new terms once having received notification from Posti in accordance with Clause 8.3, the Customer will be entitled to terminate the Agreement. If the Customer submits a notice of termination to Posti in the manner described in Clause 9.1 not later than seven (7) days prior to the entry into force of the new terms, the new terms will not be binding on the Customer. In such a case, the Customer will be bound by the old terms until the entry into force of the new terms. The Customer's contractual relation will expire upon the entry into force of the new terms at the latest.

8.5 Clauses 12.35–12.36 will apply to the invoice payment services.

9 Validity, termination and cancellation of Agreements and closing Services

9.1 Validity and termination of the Agreement The Agreement will become effective immediately once the Customer has accepted the terms of the Service by registering or by other means. The Agreement will be valid until further notice. Having signed the Agreement, the Customer shall have the right to cancel it within fourteen (14) days. However, the cancellation right will cease to exist once the Customer has started using the Services. The Services may be subject to cancellation right exceptions based on the Finnish Consumer Protection Act. Related information is provided in conjunction with the Service. Posti may terminate the Agreement concerning the Service with a 30-day notice. The Customer may terminate the Agreement with a 14-day notice. The notice period shall be calculated from the date on which the notice is given. The Customer may terminate the Agreement in connection with the Services or by telephoning Posti Customer Service. The notice periods and procedures described in Clauses 12.35–12.362 will apply to the invoice payment services.

9.2 Cancellation of the Agreement Posti may cancel the Agreement without any period of notice if the Customer uses the Services in a manner that is in violation of these Terms of Use, the Service Agreements, or law or good practice; if the Customer provides false information into the Services, or uses or attempts to use the Services in a manner that jeopardizes their operation or data security arrangements. Posti shall cancel the Agreement without any period of notice upon receiving notification of the demise of the Customer. The Services may determine the Service-specific procedures related to the demise of the Customer.

9.3 Closing the Services Posti may close the Services in full or part if there is a justified reason to suspect misuse or if there is a justified reason to suspect use in violation of the Agreement or of law or if the Services or part thereof is the target of an IT security attack or Posti has another reason, comparable to the aforementioned, to close the Services. The Customer may, without terminating the Agreement, request that Posti deactivates their identifiers for a given period of time or for until further notice.

9.4 Upon termination or cancellation of the Agreement, the Customer shall have no longer access to the Service or the material, information or other content in the Services.

10 Other terms and conditions

10.1 All rights (right of ownership, copyright and other intellectual property rights) to the Services and to material related thereto, offered by Posti, shall remain with Posti or its licensors. Rights to the products and services of Other Service Providers and to material related thereto shall remain with the respective service providers or their licensors.

10.2 This agreement shall be governed by Finnish law. Any disputes shall be settled in the District Court of Helsinki, or should the Consumer Customer so desire, in the District Court of their domicile. If the Customer is not domiciled in Finland, disputes shall be settled in the District Court of Helsinki. The Consumer Customer may also submit disputes to the Consumer Disputes Board.

10.3 The Customer's messages or their other material shall be stored in the Services for a period of time stated in the Service Agreements or in connection with the Services. Once the use of the Services ends, the Customer shall be personally responsible for saving or printing messages and other material they require.

10.4 Posti shall be entitled to transfer the Customer's agreements to another company within the Group.

10.5 The contractual obligations shall not be binding to the Parties if fulfilling them is prevented by a force majeure.

11 Electronic messages

11.1 Customers can receive messages in electronic form in the Service’s electronic mailbox as well as read, store and remove the messages. In order to be able to use the Service, the Customer must possess a Finnish personal identity code and the Customer's contact details must be included in the Posti's address information system. Customer address data included in the Posti's address information system can be used for delivering the message to the recipient.

11.2 The Customer selects the Senders from among those that have joined the Service as ones from which they prefer to receive messages in the electronic mailbox. Such messages will not be transmitted on paper. Moreover, upon the assignment of the Sender, an electronic copy of a letter or other message sent to the Customer on paper can be submitted to the electronic mailbox. A message will only be transmitted to the Customer's electronic mailbox if the Customer's identifying data matches the recipient data entered by the Sender into the message and identifies the recipient. However, the letter will not be transmitted on paper if the Sender has selected electronic delivery method as the sole method of delivery.

11.3 Posti has the right to delete the Customer's electronic mailbox Sender selections under the following circumstances:

  • The Customer has not logged on to the Service in the last three (3) months, and there are unread electronic invoices in the Customer's electronic mailbox;

  • The Customer has not logged on to the Service in the last twelve (12) months, the Customer has selected messages from Senders only electronically and the Customer has unread electronic letters that are more than two months old; or

  • Posti has been informed of the Customer's death.

Posti will notify the Customer about the deletion of Sender selections fourteen (14) days prior to the deletion with an electronic letter or an email to the email address provided by the Customer. New messages from the Sender will subsequently be delivered on paper and as an electronic copy in accordance with Clause 11.2.

Posti recognizes as invoices only electronic messages with a bar code used for payment.

11.4 An electronic message will be considered as delivered to the Customer when it has been transferred to the Customer's electronic mailbox, ready for the Customer to read when visiting the mailbox service.

11.5 Messages sent in the Service by other private individuals or by Posti can also be forwarded to the Service even though the Customer has not separately approved the sender in question.

11.6 Transmission of material ordered by the Customer The Customer may also be delivered materials directly, without a Sender selection in accordance with Clause 11.2, based on an order made by the Customer to purchase products or services from third parties. The material ordered can consist of, for instance, an electronic publication, but also of a message whose delivery to the Service the Customer has agreed upon with the Sender. The archiving period, processing and other terms and conditions of any ordered materials may differ from those defined in these Terms of Use. The right to copy and save any ordered materials may likewise be limited. The material-specific archiving periods and other terms and conditions of ordered materials are specified in the Service in question.

11.7 To implement the Service, personal data can be disclosed to all the Senders who have joined the Service or to other parties necessary for transmitting messages.

11.8 Posti can deliver a receipt to the Sender on the time of handing over electronic messages and a list of those who have selected/received the messages of the Sender electronically as well as on unread messages in situations referred to in Clause 11.3.

11.9 Electronic letter with advice of delivery The Sender can request delivery of an electronic letter to the addressee Customer against an advice of delivery. In that case, the Customer is asked to acknowledge the letter as received prior to opening it. Posti will provide the Sender with a receipt of the addressee's acknowledgement and the time of delivery. Unacknowledged electronic letters with advice of delivery will be retained in the electronic mailbox for the period specified in the Service description. If the Customer fails to acknowledge the electronic letter with the advice of delivery as received within the specified time, the letter will become outdated and can no longer be opened. The Sender of the electronic letter with the advice of delivery will be provided with a receipt for having sent the letter, in addition to the above-mentioned receipt. The receipt for having sent the letter contains information on the time of delivery and recipient of the electronic letter. An electronic letter with advice of delivery will be delivered to the Customer once the Customer has acknowledged receipt of the letter.

11.10 Posti will not supervise the content of messages transferred to the electronic mailbox. The Sender is responsible for the format and content of any messages and links they may contain, as well as for the correctness of data (e.g. bar codes on invoices). The messages sent by the Senders may be, for instance, invoices, payslips, agreements, marketing or other types of messages.

11.11 Archiving and access to electronic mailbox The Customer may retain the messages received in their electronic mailbox during the validity of the Service Agreement. When the Service Agreement ceases to be in effect, the Customer will no longer have access to the electronic mailbox. Posti has the right to inform senders of the eventual termination of the Service Agreement. When the Service Agreement terminates, Posti can alter the method of delivery and transfer messages on paper, provided that the sender has agreed on such a procedure with Posti.

12 Invoice payment services

12.1 Service description and service provider details The service is an invoice payment service through which the Customer is able to pay invoices. The service provided by Posti takes care of paying invoices upon the Customer's assignment. Through the service, the Customer gives Posti the right to save and store their personal data, such as name, address and payment card details, enabling invoice management and payment procedures.

12.2 Through the service, the Customer is also able to activate services provided by other third parties in accordance with the applicable terms and conditions and policies of such third parties. In order to activate third-party services, the Customer must conclude a separate agreement with the third party in question either through Posti's service or directly with such third party. Posti shall in no way be responsible or liable for any such third-party services. By activating such third-party services through the Service, the Customer consents to and acknowledges that Posti may disclose information needed for the conclusion of the agreement to the third party in question.

12.3 Service provider Posti Ltd Street address: Postintaival 7 A, FI-00230 HELSINKI Postal address PO Box 1, FI-00011 POSTI Business ID: 0109357-9 Domicile: Helsinki Contact information: posti.fi/contactinformation

12.4 Posti Ltd provides the Service without a license in accordance with Article 2 of the Finnish Act on Payment Institutions.

12.5 The Customer may contact the Finnish Competition and Consumer Authority concerning Posti's procedures or in case of a disagreement with Posti (Finnish Competition and Consumer Authority, PO Box 5, FI-00531 Helsinki, www.kkv.fi/en).

12.6 The methods of payment available in the Service are the ones available at the time.

12.7 Activation of the Service and use of the Service The Service is available for consumer customers registered as users in Posti's web service who have been identified using strong identification. A Customer using the invoice payment service must be at least 18 years old, and persons under the age of 18 cannot make payment orders via the Service or otherwise use the Service without permission from a parent or guardian. When the Customer uses third party services, the third party in question may set other requirements for the conclusion of the agreement or for using its service, such as a certain minimum age or a credit-worthiness check. The Customer must provide Posti with the necessary information requested in connection with the deployment of the Service or otherwise based on which the Customer can be identified and authenticated. This information is necessary for enabling Posti to fulfill the requirements of identifying and authenticating the Customer in accordance with the anti-money laundering and terrorist financing rules. The customer shall be responsible for ensuring that the information provided, such as contact details and payment card identification information, is accurate and up to date.

12.8 The Customer must choose a personal PIN code or other identifier required for using the Service. The identifiers required at the time are described in connection with the Service. All identifiers for using the Service are customer specific. The Customer will be responsible for the storage of the identifiers and for ensuring they are not disclosed to or obtained by any outside parties. The Customer will be personally responsible for all use of the Service under their identifiers, and for any costs or fees incurred from this in full. In case an identifier is obtained by or become known to an outsider, goes missing or is used by an unauthorized person, the Customer will immediately notify Posti thereof.

12.9 Posti has the right to refuse to grant the Customer the right to use the Service, if the information required in order to use the Service is not provided, the information provided is incomplete or Posti otherwise considers that the Customer does not fulfill the conditions for granting access right. The access right may also be cancelled or discontinued based on similar reasons.

12.10 The Service functions only with payment cards issued by Finnish banks or Finnish credit card companies. Through the Service, invoice payments can only be made to a Finnish bank account. The number of invoices available to be paid through the Service may be limited, for instance, with a daily quantity limit or maximum amount. In the service, there may be other limitations applicable at the time that affect executing payment orders. Payment transactions may be rejected due to limitations applicable at the time.

12.11 It is not possible to agree on payment limit or other conditions for the payment card or other payment instrument the Customer has entered in the Service. The terms of use of the payment card and other payment instruments are determined by the agreement between the Customer and the service provider (e.g. credit card company) providing the payment instrument in question.

12.12 Delivery of invoices to the Service as well as giving and transfer of payment orders The Customer understands that the issuer of the invoice is responsible for sending and delivering invoices to the Customer. The issuer of the invoice will be responsible for the content of an invoice submitted to the Service and for the invoice being correct and justified.

12.13 The Customer is responsible for invoices being approved for payment. Prior to giving the payment order, the Customer will always check that the invoices received are correct and justified to their content and also otherwise. Remarks, and alike, on invoices will always be directed to the issuer of the invoice.

12.14 In card payments, a payment order is deemed given and received when the Customer makes a payment reservation in the Service by approving the invoice, upon which the order is transferred to Posti. A payment reservation is made on the Customer's payment card based on the amount of the approved invoices. It is recommended that the payment reservation is made at least two (2) banking days before the due date of the relevant invoice. When the reservation time notified by the Customer has lapsed, an amount corresponding to the invoiced amount is debited from the Customer's payment card. The payment order cannot be cancelled after it has been given.

12.15 The invoiced amount is transferred to Posti's pooled account in order to be forwarded to the issuer of the invoice at latest on the following banking day after the amount has arrived on Posti's pooled account.

12.16 The Customer is responsible for having sufficient funds for the payment of invoices on the payment card they have provided. Posti does not carry out the payment order, if there are insufficient funds on the Customer's payment card or if the payment card limit has been exceeded. In this case, Posti sends a message concerning the failed payment order to the Customer through the Service.

12.17 Posti transfers the payment order to the issuer of the invoice or to the issuer's service provider. The payment is carried out and the issuer of the invoice is identified on the basis of the identification information provided by the Customer in the Service. The Customer accepts that, in connection with execution of the payment order, Posti has the right to disclose identification information concerning the Customer, invoice and payment to the issuer of the invoice or to the issuer's service provider.

12.18 The Customer is responsible for all damages resulting from Posti's inability to transfer a payment order because of insufficient funds on the Customer's payment card because the account limit has been exceeded or for any similar reason.

12.19 In order for the Customer to be able to make payment orders, the Customer's mobile device or other terminal devices as well as applications and other software have to be able to send and receive information required in order to start, execute and confirm payment orders, and with respect to the application and other software, that they work on the Customer's devices. In addition, it is required that the data connection is functioning and also that communication to the Customer's telephone number or device is not blocked or prevented.

12.20 Posti will never be responsible for the content of invoices delivered by its issuer, the invoices being correct or justified, nor for the payments being made in time, in the right amount or in accordance with payment plans. Therefore, Posti is not responsible, if based on an order by the Customer a fake invoice has been paid, an insufficient payment has been made or if the Customer has decided to use the opportunity to pay an invoice in installments.

12.21 The Customer is responsible for possible fees charged by the issuer of the invoice due to changes made in the information of the invoices, e.g. change of invoice due date.

12.22 If the Customer after having given a payment order notices that they have approved an incorrect, insufficient or unjustified invoice, they will inform Posti thereof without delay. On request of the Customer, Posti assists the Customer with correcting the situation against a service fee set out in the price list valid at the time.

12.23 A specification of the payment orders executed is electronically available through the Service. The specification includes information on the issuer of the invoice, the date of the payment order and the amount of the payment.

12.24 Posti transfers payments only on the basis of orders given by the Customer. Therefore, the Customer does not have the right to payment refunds in accordance with the Finnish Payment Services Act.

12.25 The Customer commits to not sending or forwarding any material through the Service or saving any material to the Service, which is against good practice or law, and that they do not urge another party to any of the aforementioned.

12.26 Invoice payment service pricing The prices for invoice payment services shall be determined by Posti's price lists valid at the time. The price lists are available in connection with the Services. The Customer will be informed of any price changes to the permanent Services selected by the Customer no later than two (2) months before they take effect. The respective price for other services shall be given in connection with the Service. Third parties shall be responsible for the pricing of their own products and services and for providing this information to the Customer.

12.27 If there are insufficient funds on the Customer's payment card or other payment method at the time when the agreed service fee is charged and the payment is therefore delayed, Posti is entitled to send the Customer a payment reminder and charge legal penalty interest and an invoice reminder charge. Posti may also transfer the receivable to be collected by a collection agency.

12.28 Posti's responsibility Posti is not responsible for the Customer's outstanding or delayed payment of invoices or for the payment of invoices with changed payment information or without checking them. Furthermore, Posti is not responsible for the correctness of the information provided by the Customer and not for any damages or inconveniences potentially occurring to the Customer or a third party as a result of incorrect or insufficient information.

12.29 Posti is not a party to the contract between the Customer and the issuer of the invoice. The basis for the invoices as well as the delivery and receipt of invoices occur between the Customer and the issuer of the invoice and on their responsibility.

12.30 Posti will compensate the Customer for damages arising in connection with transfers of payment orders as a consequence of breach of applicable law or the contract terms. Posti will not be liable for any indirect damages, unless otherwise prescribed in the mandatory applicable law. The Customer must produce evidence of the damage caused. Posti is not liable for damage incurred by the Customer in connection with actions not taken in private use or for damage caused by the Customer's own actions. No compensation shall be paid for the inconvenience caused by the damaging event, such as the use of one's own time.

12.31 Communications and customer complaints The delivery of the Service and communication with the Customer is done in Finnish, Swedish or English, as agreed between the Customer and Posti. Posti may communicate with the Customer by sending information through the Service or in writing to another contact address provided by the Customer. The notice is deemed received at the latest on the seventh (7) day after the notice has been sent or made available. Information about payment transactions is provided to the Customer through the Service.

12.32 Complaints related to the Service shall be addressed to Posti Customer Service. Posti handles complaints and answers them in writing as soon as possible, but no later than 15 banking days from receipt of the complaint. For complaints handled by telephone also a written statement is sent by e-mail. In exceptional circumstances, due to circumstances that Posti cannot influence, the answer can be given later, but no later than 35 banking days. In such cases, Posti will provide a provisional response to the complaint within 15 business days, including an estimate of when the final response can be given and an explanation of what caused the delay.

12.33 Information security Posti arranges its business and the data security of the Service in a generally accepted way and effectively and aims at appropriate technical solutions to prevent unauthorized access to the Service and personal data.

12.34 The Customer will store their identifiers carefully and observe an enhanced duty of care when giving payment orders. The use of the mobile device will be prevented by protecting the device with a password. The PIN code inquiry will not be removed. The PIN code will be changed when the mobile device is taken into use.

12.35 Amending the terms and conditions of the invoice payment service Posti reserves the right to amend the terms and conditions concerning the invoice payment service by notifying the Customer of this via the Service. Such amendments will enter into force once the Customer agrees with the amended terms and conditions or within two (2) months of submitting the notification provided that the Customer has not objected to the amendment. By using the Service, the Customer accepts the amended terms and conditions. Upon receiving notification of the amendment to the Service, the Customer shall be entitled to terminate the Agreement by notifying Posti thereof prior to the effective date of the new terms and conditions. In such a case, the Customer will be bound by the old terms until the entry into force of the new terms. The Customer's contractual relation will expire upon the entry into force of the new terms at the latest.

12.36 In invoice payment services, Posti may terminate the agreement by notifying the Customer of this no later than two (2) months before the termination of the Agreement by email, electronic letter or by other, personal means via the Services or in some other manner. Furthermore, if the Customer has committed a material breach of this Agreement, Posti has the right to cancel the Agreement with immediate effect. A notice of cancellation shall be given in the same manner as the notice of termination.