RISKNOTICE REGARDING CRYPTO-ASSETS AND ASSOCIATED SERVICES
PLEASENOTE THAT, FROM AN OBJECTIVE STANDPOINT, ANY SERVICE INVOLVING CRYPTO-ASSETS IS DEEMED TO BE OF HIGH RISK. THESE RISKS PRIMARILY RELATE TO THE VOLATILITY OF CRYPTO-ASSET PRICES, SECURITY VULNERABILITIES, POTENTIAL REGULATORY COMPLICATIONS, LIQUIDITY CONSTRAINTS, COUNTER PARTY EXPOSURES, MARKET FLUCTUATIONS, AND OPERATIONAL CHALLENGES.
SINCETHIS SERVICE ENCOMPASSES CRYPTO-ASSET OPERATIONS, IT IS IMPERATIVE THAT YOU CAREFULLY CONSIDER ALL ASPECTS OF THE SERVICE BEFORE ENGAGING WITH IT.
PRIOR TO REGISTERING FOR THIS SERVICE AND INITIATING USAGE, YOU ARE REQUIRED TO CONFIRM THAT YOU HAVE READ AND UNTERSTOOD OUR COMPREHENSIVE RISK WARNING THAT RELATES TO THIS SERVICE.
TAX NOTICE REGARDING AUTO-TRADING
PLEASE NOTE THAT WHEN USING AUTO-TRADING FUNCTION EACH PURCHASE OF CRYPTO-ASSET BY USE OF OUR AI-POWERED ALGORITHM MAY REALIZE YOUR TAXATION, DEPENDING ON THE JURISDICTION WHERE YOU ARE A TAX RESIDENT.
YOU ARE SOLELY RELIABLE TO FOR YOUR OWN TAXATION, AND WE SHALL NOT BE HELD RESPONSIBLE FOR ANYTHING RELATED TO YOUR TAXATION.
NOTICE REGARDING VALUE STORAGE IN OUR SERVICE
YOU ARE NOT ABLE TO RETAIN/STORE FIAT CURRENCY IN OUR SERVICE. RATHER,OUR SERVICE PROVIDES CUSTOMERS THE OPTION TO MAINTAIN STABLE VALUE IN FUNDS THROUGH THE UTILIZATION OF STABLECOINS.
THISI S BECAUSE, AS A REGISTERED VASP, WE ARE AUTHORIZED TO OFFER ONLY CRYPTO-ASSET SERVICES AND NOT FIAT CURRENCY PAYMENT SERVICES.
HENCE,UPON TRANSFERRING VALUE/FUNDS INTO OUR SERVICE, THE VALUE/FUNDS WILL BE AUTOMATICALLY CONVERTED TO THE STABLECOIN SUPPORTED BY OUR SERVICE AT THAT TIME.
1.1 This crypto-asset exchange and wallet service (hereinafter “Service”) is provided by Ovoro Oy (hereinafter "Company”):
Name of the service provider: Ovoro Oy
Business ID: 3376649-1
Principal office: Lapinlahdenkatu 16, 00180Helsinki, Finland
Phonenumber: +358 44 975 5392
Email:otto@ovoro.com
Financial registration: The Company is registered as a virtual currency service provider (hereinafter “VASP”)by the Finnish Financial Supervisory Authority (hereinafter“FIN-FSA”)in accordance with the Finnish Virtual Currency Provider Act(572/2019).
1.2 A customer of the Company (hereinafter “Customer”) may use the Service of the Company only by agreeing to these terms of service with the Company (hereinafter “Agreement”).
1.3 The Company’s Service contains only the provision of crypto-asset services.
1.4 This Agreement uses the following terms:
2.1 The Customer's access to the Service is facilitated through the official Company website (accessible at: https://ovoro.com) or application, depending on the applicability from time to time.
2.2 The Customer specifically acknowledges and understands that the Service is exclusively and solely provided by the Company, and it is not a service of any other third party. Consequently, the Company assumes responsibility for all aspects concerning the Service, adhering to the terms and conditions stipulated in this Agreement.
2.3 Prior to completing the registration process, the Customer has an obligation to carefully review this Agreement and ensure that the Customer is able to comply with the terms of this Agreement. This commitment extends not only to the initial agreement but also throughout the entire duration of its validity.
3.1 Pursuant to the AML Act, the Company bears a legal obligation to conduct Know Your Customer (KYC) procedures and to ensure that the Customer does not use the Service or enable the Service to be used for money laundering or terrorist financing.
3.2 The Customer acknowledges and consents to the Company's utilization of any and all necessary legal means (e.g. deriving information of the Customer from reliable third party sources, such as government data bases) to ensure the Company’s compliance with the AML Act and the Company’s own internal anti-money laundering and counter terrorist financing documentation.
3.3 The Customer agrees to provide all the information requested by the Company and complete all the possible identity verification processes, which the Company may assign to the Customer.
3.4 The Customer acknowledges and accepts that if the Company is unable to ensure adequate compliance with the AML Act or the Company’s own internal anti-money laundering and counter terrorist financing documentation in relation to the Customer's use of the Service, the Company reserves the right to unilaterally terminate the provision of the Service to the Customer, without prior notification, and terminate this Agreement.
4.1 As a VASP, the Company is not authorized to provide payment services in Fiat Currency to the Customer, whereby the Customer shall not be able to hold Fiat Currency in the Service. To address this, the Company will use Subcontractors to facilitate the Customer’s transfer of value into the Service. Initially, the value transferred by the Customer will be converted into Stablecoins. Subsequent to this conversion, the Customer is permitted to utilize the Stablecoins to buy and sell Crypto-Assets.
4.2 The conversion of the value into Stablecoins is powered by Membrane’s EUROe and possible other Subcontractors in use from time to time as is described in this section 4. With the acceptance of this Agreement, the Customer authorizes the Company, Membrane and any other possible Subcontractors to act on their behalf in fulfilling the transfer of value into Stablecoins in accordance with this Agreement.
4.3 The Customer may receive Stablecoins to be used in the Service as follows:
4.4 When the Customer wishes to sell their Crypto-Assets or Stablecoins in order to withdraw their funds in Fiat Currency outside of the Service, the following shall apply:
Generally
5.1 The Customer may transfer value into the Service and receive Stablecoins to be used in the Service in accordance with section 4.
5.2 The Company shall not be held responsible for any loss, damage, or unauthorized access to Crypto-Assets and/or Stablecoins stored in the Account.
5.3 The Customer agrees to use the Account only in compliance with this Agreement and any and all applicable laws.
5.4 Customer is not permitted to use the Crypto-Assets and/or Stablecoins in the Account as collateral.
5.5 The Company, at its sole discretion, determines which Crypto-Assets are supported by the Crypto-Asset Service and which Crypto-Assets are selected to Bundles; an up-to-date list of all Bundles and the Crypto-Assets supported and contained therein may be found here: https://ovoro.com/collections. The Customer should be aware that, given the fast-paced nature of the Crypto-Asset industry, the list of Bundles and supported Crypto-Assets may change more frequently than typically expected.
5.6 If the customer relationship concludes or if the Service no longer supports a previously supported Crypto-Asset, the Customer must issue an Instruction for withdrawal for that specific Crypto-Asset. The Company will thereafter enable the transfer of the Crypto-Asset to the digital wallet address provided by the Customer. The Company will determine and notify the Customer of the specific timeframe for this transfer in writing. This set period will always be reasonable. Fees will be in line with the Service Price List.
Purchase of Bundles
5.7 After the Customer has acquired Stablecoins to their Account, the Customer may purchase Bundles with Stablecoins. Bundles are Crypto-Asset collections that contain one or more Crypto-Assets pre-selected by the Company.
5.8 When the Customer purchases a Bundle with Auto-Trading off, they receive Crypto-Assets contained within the Bundle, at the respective ratio each Bundle has, to their Account.
5.9 The Customer may purchase a Bundle with Auto-Trading on, which means that the Crypto-Assets in the chosen Bundle shall be automatically traded in the Service according to the Company’s AI-powered algorithm. The Customer’s Stablecoins act as balance which the algorithm uses to buy and sell the Crypto-Assets contained within the selected Bundle until all Stablecoins have been used or Auto-Trading is switched off by the Customer.
SwitchingAuto-Trading on/off
5.10 The Customer can choose at any time to switch Auto-Trading on/off in a Bundle, regardless of their previous choice.
5.11 If the Customer switches Auto-Trading on for a specific Bundle:
5.12 If the Customer switches Auto-Trading off for a specific Bundle:
Selling and/or withdrawal of Crypto-Assets and Stablecoins
5.13 The Customer can choose whether to sell/withdraw all Crypto-Assets in a Bundle or select individual Crypto-Assets to be sold/withdrawn. Auto-Trading must be switched off before a withdrawal can be made.
5.14 The Customer can use the Service to withdraw Crypto-Assets to their personal digital wallet.
5.15 When the Customer wishes to withdraw Crypto-Assets or Stablecoins to their digital wallet, the Customer must issue an Instruction for withdrawal to the Company. The Customer bears full responsibility for the accuracy and completeness of the Instruction details, including, but not limited to, the recipient address. Any error in the Instruction may result in irreversible loss of Crypto-Assets or Stablecoins, for which the Company shall not be held liable.
5.16 When issuing an Instruction for withdrawal, it remains the absolute responsibility of the Customer to provide accurate and complete information related to the withdrawal. Should any discrepancies or errors arise from the information provided, the Company expressly disclaims any responsibility or liability in relation to such discrepancies or the consequences thereof.
5.17 Any transactional fees, charges, or costs associated with the transfer or withdrawal of Crypto-Assets or Stablecoins from the Service will be borne entirely by the Customer. The Company will not subsidize, rebate, or absorb any portion of these costs.
Instructions
5.18 For the effective provision of the Service, the Company necessitates clear and specific Instructions from the Customer. The determination of what constitutes necessary Instructions lies at the sole discretion of the Company. Furthermore, the Company retains the unilateral right to decide whether to accept or decline any Instructions presented by the Customer.
5.19 It remains the sole responsibility of the Customer to ensure that each Instruction submitted is thorough, accurate, and unambiguous. The Company, in its role, does not bear the obligation to cross-check the veracity, genuineness, or legitimacy of the Instructions provided. Additionally, the Company will not proactively screen or reject Instructions based on suspicions of them being repetitive or duplicated, unless other risk parameters trigger such action.
5.20 An Instruction that is duly provided by the Customer and acknowledged by the Company does not, in and of itself, assure that the Service can be provided to the Customer. Various factors, including but not limited to system constraints, regulatory impediments, or market volatility, might influence the ultimate provision of the Service, even if an Instruction has been accepted.
Company as an intermediary
5.21 By using the Service, the Customer grants the Company the authority to act as an intermediary on their behalf. This authorization empowers the Company to undertake various actions, including but not limited to:
6.1 The Company has the right to charge the Customer a fee for using the Service in accordance with the Service Price List in force at a given time.
6.2 Modifications o the Service Price List can be made in accordance with the provisions of section 17.
6.3 The Company is not responsible for any fees or commissions charged by Subcontractors or third parties.
7.1 The Company shall maintain adequate records of all activities within the Customer's Account.
7.2 The Customer has the ability to access and retrieve their Account transaction history through the format supported by the Service, available at any given time.
7.3 While the Company endeavors to uphold precise and up-to-date records, it cannot guarantee the absolute completeness or accuracy of the stored data at all times. The transaction history provided reflects the information available to the Company at the time of the inquiry.
7.4 In the event of system malfunctions, data backups, or data loss, the Company will exert reasonable efforts to recover or rectify the data. However, it cannot guarantee the retrieval or accuracy of all historical data.
7.5 Notwithstanding the aforementioned, it remains the sole responsibility of the Customer to keep adequate records of all transactions relating to the Service, including especially the Auto-Trading functionality. Therefore, the Company shall not be liable for any losses, whether direct or indirect, arising from discrepancies, inaccuracies, or loss of transaction data.
8.1 The Customer agrees to communicate with the Company exclusively through the Service and the provided email address: support@ovoro.com.
8.2 The Company is not responsible for any communication failures, delays, or misdirection of messages associated with any emails, messages, or notifications that occur outside the specified communication channels mentioned in this section.
8.3 It is the Customer's responsibility to regularly monitor their designated email account and the Service for any communications originating from the Company. The Company shall not be held liable for any consequences or losses arising from the Customer's failure to fulfill this obligation.
8.4 The Company shall not be held liable for any damages or losses resulting from phishing, spoofing, or any other fraudulent or malicious activity related to email communications. It is strongly advised that the Customer exercise due diligence in confirming the legitimacy of emails purportedly originating from the Company.
9.1 Pursuant to compliance with applicable legislation, fraud prevention measures, or other pertinent factors, the Company reserves the right to request additional information from the Customer. The Customer is obligated to supply the requested information without undue delay.
9.2 It is the sole responsibility of the Customer to ensure that all information provided to the Company remains updated and accurate.
9.3 Any deliberate provision of false, misleading, or inaccurate information by the Customer may lead to the immediate termination of this Agreement and could be subject to subsequent legal actions.
10.1 To be eligible to use the Service, the Customer must be either (i) a natural person at least 18 years of age with the legal capacity to enter into agreements and abide by the terms set forth, or (ii) a legal person established in accordance with any and all applicable laws, and
10.2 The Customer agrees to use the Service only for the purposes permitted by the Agreement and any applicable laws, regulations or generally accepted policies or guidelines in the relevant jurisdiction.
10.3 The Account is exclusively designed for the personal use of the Customer. Consequently, only the Customer holds the right to access and utilize the Service. It is imperative for the Customer to act solely as the principal and not as an agent representing any third party within the Service, unless there is a specific written agreement with the Company authorizing such representation.
10.4 The Customer is solely responsible for managing and operating their Account. The Customer acknowledges and agrees that any Instructions provided, and any utilization of the Service, stem directly from their independent judgement and decisions.
10.5 The Customer ensures and acknowledges that they possess the ability to assess the risks associated with the Service. If they believe they are incapable of such assessment, they are obligated to cease using the Service immediately.
10.6 The Customer is solely responsible for fulfilling their reporting obligations to relevant authorities, including, but not limited to, tax-related declarations.
10.7 The Customer understands and agrees that the use of the Service, the purchase and sale of Bundles or Crypto-Assets, and the use of Auto-Trading, may result in tax obligations. The Customer acknowledges that they alone are responsible for all tax-related obligations that the use of the Service, the purchase and sale of Bundles or Crypto-Assets, and the use of Auto-Trading, might bring to the Customer.
10.8 The Customer is explicitly prohibited from engaging in any unlawful, unethical, or unauthorized activities through the Service. This prohibition encompasses, but is not limited to, market manipulation, money laundering, fraud, or any other actions that violate applicable laws or regulations. The Company reserves the right to monitor and take necessary actions against any activities it deems inappropriate or in violation of this Agreement.
10.9 The Customer bears sole responsibility for the maintenance, condition, and operation of their electronic and communication devices. This includes, but is not limited to, ensuring optimal hardware condition, stable internet connectivity, antivirus protection, data backup, and other relevant technologies.
10.10 The Customer must refrain from any activities that might disrupt, obstruct, or otherwise adversely impact the Service, its underlying servers, or associated networks.
10.11 The Crypto-Asset Service may include links to external third party websites. Accessing and interacting with such sites is at the Customer's sole discretion and risk.
10.12 The Customer agrees not to send, transmit or store material through the Service that is in violation of good practice or law. The Customer also agrees not to incite others to engage in any such activities. Furthermore, the Customer agrees not violate anyone’s intellectual property rights through the Service.
10.13 The Customer agrees to not copy, modify, transmit, create any derivative works from, make use of, or reproduce in any way any copyrighted material, trademarks, trade names, service marks, or other intellectual property or proprietary information accessible through the Service. The Customer agrees to not remove, obscure, or otherwise alter any proprietary notices appearing on any content, including copyright, trademark and other intellectual property notice.
10.14 Upon concluding each session, the Customer is obligated to properly log out of the Service, irrespective of access via web or mobile application.
10.15 In he event of compromised login credentials, unauthorized access, or any security breach related to the Service or Account, the Customer must promptly inform the Company at support@ovoro.com. The Customer remains accountable for all activities transpiring within their Account.
10.16 The Customer is unequivocally required to exercise due diligence in all interactions with the Service. They must also periodically review and ensure that they consistently adhere to these due diligence standards.
11.1 The Company expressly refrains from furnishing any counsel or recommendations pertaining to Crypto-Assets, Bundles, or the associated Service. All communications emanating from the Company shall not, under any circumstance, be deemed or interpreted as offering advice on the aforementioned subjects.
11.2 The Company is not responsible for providing assistance or guidance to the Customer in adhering to pertinent regulations, including but not limited to, tax-reporting obligations.
11.3 The Company neither assures nor has any influence over the market valuation of any Crypto-Asset. Customers are strongly advised to exercise their own discretion and judgement in assessing the value of Crypto-Assets.
11.4 The Company reserves the exclusive right to reject any transaction within the Service, particularly if there are grounds to believe that the Customer might engage in illicit activities, exhibit malevolent intent or partake in any form of market manipulation. The Company is not mandated to elucidate the rationale behind such decisions to the Customer.
11.5 The Customer acknowledges and accepts that the realm of Crypto-Assets is inherently characterized by volatility and unpredictability. The Company cannot be held accountable for any unforeseen fluctuations, losses, or adverse effects resulting from the Customer's involvement with Crypto-Assets.
11.6 Any information provided by the Company, whether directly or indirectly, should not be misconstrued as investment advice or recommendation. Customers are advised to exercise caution and conduct comprehensive assessments when and before dealing with Crypto-Assets.
11.7 The Company retains full ownership of all proprietary rights associated with the Service, including all content, trademarks, trade names, service marks, and other intellectual property rights. The Service contains copyrighted material, trademarks, and other proprietary information belonging to the Company and its licensors.
11.8 The Service may enable the Customer to view, access, communicate and interact with third party sources, such as third party websites and services. The Company does not assume any responsibility for the content, actions, or practices of any such sources. The Customer’s engagement with such sources and their use of, as well as reliance on, any content provided by such sources is entirely at the Customer’s sole discretion and risk.
12.1 Data protection related to the Service is described in the relevant privacy policy of the Company, which can be found here: https://ovoro.com/privacy-policy
13.1 The Service is provided on an “as is” and “as available” basis. The Company does not guarantee that the Service is usable at any given time or that the Service will work flawlessly. The Company does not guarantee the uninterrupted and continuous operation of the Service.
13.2 The Company shall not be held directly or indirectly liable for any consequences, damages, or losses arising from or associated with the Customer's actions, omissions, or conduct. This includes, but is not limited to, Service misuse, non-compliance with this Agreement, or any unauthorized or illegal activities conducted within or in connection with the Service.
13.3 The Customer is not entitled to compensation due to the termination of this Agreement or the Service.
13.4 In the event of any losses, the Customer is obligated to take immediate and comprehensive measures to minimize the extent of such losses. Failure or neglect on the part of the Customer to take appropriate and timely actions shall render them responsible for any additional damages or consequences resulting from their inaction. The Company will be indemnified from any liability related to such additional damages.
13.5 To the fullest extent permissible under applicable law and in accordance with this Section 12, under no circumstances will the Company, its affiliates, business partners, licensors or service providers be liable to the Customer or any third party for any indirect, reliance, consequential, exemplary, incidental, special or punitive damages. This includes, but is not limited to, loss of profits, loss of goodwill, damages for loss, corruption or breaches of data or programs, service interruptions and procurement of substitute services, even if the Company has been advised of the possibility of such damages.
13.6 Notwithstanding any other provisions herein, any potential liability of the Company, regardless of its nature or the form of action prompting it, shall in no event exceed the aggregate amount paid by the Customer to the Company for the Service during the three (3) months immediately preceding the initiation of such a claim.
13.7 The Customer is responsible for any damage caused to the Company for breaching this Agreement.
14.1 The Customer undertakes to defend, indemnify and hold harmless the Company and the Company’s affiliates, and the Company’s respective officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney’s fees) arising from: (i) Customer’s use of, or inability to use, the Service; (ii) Customer’s violation of this Agreement; and (iii) the Customer’s violation of any third party right, including without limitation any intellectual property rights or data protection right.
14.2 The Customer specifically agrees to defend, indemnify and hold harmless Membrane and its affiliates and respective officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney’s fees) arising from: (i) anything related to the Service, and (ii) anything related to this Agreement.
15.1 The Company reserves the exclusive right to suspend the Customer’s access to the Service and/or Account temporarily or permanently due to, including but not limited to, the following reasons:
15.2 It is important to clarify that the Company may identify other circumstances or situations, not expressly outlined above, as warranting the suspension of the Service and/or Account. This suspension is intended to safeguard the Company's interests, preserve the integrity of the Service, or protect other Customers. The decision in this regard rests solely with the Company, and the Customer acknowledges and consents to this as binding.
15.3 The Customer acknowledges and accepts that during any period of suspension, they may be unable to access or use the Service, regardless of prior approvals or status. The Company shall bear no liability for any potential losses, damages, or inconveniences resulting from such suspension, irrespective of the Customer's prior standing or the nature of the suspension.
15.4 Should the Service be suspended, the Company is under no obligation to compensate, refund, or provide any form of relief to the Customer for any losses, direct or indirect, incurred due to said suspension.
16.1 The Agreement is in force until further notice.
16.2 Both the Customer and the Company reserve the right to terminate this Agreement immediately for any reason or for no reason at all. The intention to terminate must be conveyed through the communication channels designated in this Agreement. The Company may also terminate this Agreement if it believes that the Customer's activities violate any provision of this Agreement, any applicable laws, or if the relationship with the Customer adversely affects the Company's reputation.
16.3 Upon termination, if there are any Crypto-Assets remaining in the Customer's Account, the Customer must provide instructions for their transfer or withdrawal within a timeframe determined by the Company. In cases where such instructions are not provided or when transfer or withdrawal is impeded by legal or regulatory constraints, the Company reserves the right to manage the remaining Crypto-Assets in a manner it deems appropriate. This may include, but is not limited to, liquidation, with any proceeds (if available) returned to the Customer after deducting applicable fees or charges. The Company shall not be held liable for any losses incurred during this process.
17.1 Neither Party shall be held liable for non-performance or delay in performance of any obligations under this Agreement due to events beyond its reasonable control, which may include, but are not limited to acts of God, war, terrorism, civil disturbance, embargoes, government actions, fires, earthquakes, floods, or other natural disasters (hereinafter "Force Majeure Event"). This provision shall apply only if the Party affected by such an event has taken all reasonable measures to mitigate or minimize its effects.
17.2 The occurrence of a Force Majeure Event entitles the Company to suspend, in whole or in part, the provision of the Service for the duration of that event, without incurring any liability. Additionally, the Company may, at its sole discretion, extend any time limit or deadline affected by such an event.
17.3 In the event of a Force Majeure Event, the affected Party shall provide prompt written notification to the other party detailing the nature, cause, date of commencement, and the potential duration of the Force Majeure Event. Notification shall take place through the communication channels designated in this Agreement. The Company may also provide such notification to its customers through the Service, its official website, national media, or any other suitable means. The affected Party shall also notify the other party of any change in circumstances or the termination of the Force Majeure Event.
18.1 The Company holds the right to make modifications to this Agreement, alter or discontinue the provision of the Service, or revise the fees outlined in the Service Price List (hereinafter “Changes”) at any given time.
18.2 The Company shall notify the Customer of the Changes through the Service. The Changes shall enter into force on the date specified by the Company, however no earlier than one (1) month after the notice has been sent to the Customer.
18.3 This Agreement shall continue in its amended form unless the Customer communicates their non-acceptance of the Changes to the Company through the communication channels specified within this Agreement. If the Customer fails to communicate their non-acceptance by the effective date of the Changes, it will be understood as explicit approval and acceptance of these Changes by the Customer.
18.4 In the event that the Customer does not accept the Changes, their non-acceptance will automatically result in the termination of the Agreement in accordance with section 16.
19.1 The Company reserves the unilateral right to transfer this Agreement, along with its associated receivables, rights, and obligations, either in their entirety or partially, to a third party.
19.2 The Customer does not have the right to transfer any of the rights or obligations outlined in this Agreement.
20.1 The Service provided by the Company is supervised by the Finnish Financial Supervisory Authority, whose contact information is:
P.O. Box 103, 00101 Helsinki
Phone: + 358 9 183 51
Email: kirjaamo@fiva.fi
20.2 In matters related to consumer protection, consumers have the option to reach out to the Consumer Ombudsman, whose contact information is:
P.O. Box 5, 00531 Helsinki
Phone: +35829 505 3000
21.1 This Agreement shall be governed by the laws of Finland without regard to its principles and rules on conflicts of law.
21.2 If the Customer believes that the Company has acted in violation of this Agreement, the Customer should first contact the Company.
21.3 Any disputes will be resolved in the first instance in the Helsinki District Court.
21.4 However, if the Customer is a consumer, the Customer may have the right to refer the matter for admissibility to the Consumer Dispute Board, whose contact information is:
The Consumer Dispute Board
Hämeentie 3, P.O. Box 306, 00531 Helsinki,Finland,
www.kuluttajariita.fi
21.5 Before referring the matter to the Consumer Dispute Board, a consumer Customer shall be in contact with Consumer Advisory Services of the Finnish Competition and Consumer Authority KKV (www.kuluttajaneuvonta.fi).