Käyttöehdot
Terms of Use
This translation is provided to assist our customers. The original Finnish version is legally binding: https://www.truster.com/fi/ehdot/kayttoehdot
1. General
This document sets out the terms (the “Terms of Use”) for using the invoicing service and other services (together, the “Service”) provided by Truster Oy (Business ID 1772129-3) and its subsidiaries (the “Service Provider”). The payment services described in these Terms of Use are provided by the subsidiary Truster Works Oy (Business ID 3131729-7), which holds a registration granted by the Finnish Financial Supervisory Authority to provide payment services without requiring a licence. The Payment Services Act (290/2010) applies to the payment service provided by Truster Works Oy. The Services comprise the service without a Business ID and the service with a Business ID. These Terms of Use set out the content of the contractual relationship between the Service Provider and the user of the Service (the “Service User”), as well as the parties' mutual rights and obligations. The Service is intended solely for conducting business activity. The Service User confirms that they understand that the Consumer Protection Act does not apply to the use of the Service or to the relationship between the parties.
2. Formation of the contractual relationship and registration for the Service
A contract is formed between the parties when the Service User registers as a user of the Service and accepts these Terms of Use. Registration is free of charge. By registering, the Service User accepts these Terms of Use and undertakes to always comply with them when using the Service. The Service User must have a permanent address in Finland. The Service User confirms that they are liable to tax in Finland for the work invoiced through the Service. Payments made through the Service are paid to an account within the EEA. Taxes are reported through the Service to Finland only. When registering for the Service, the Service User must provide the personal data and other information required under the Act on Preventing Money Laundering and Terrorist Financing (444/2017). The Service User is obliged to keep their user and contact details up to date and to notify the Service Provider without delay of any changes. The Service User is responsible for ensuring that the information they have provided is correct, current and complete. The user account created in the Service is personal and may not be transferred to a third party. The Service User is responsible for all use of the Service that takes place through their user account. The Service User must immediately notify the Service Provider if they suspect that their user details or account have come into the possession of an unauthorised party. The Service User is liable for all damage caused to them or to the Service Provider as a result of unauthorised use of the Service, if this is due to the Service User's intent or negligence.
3. Amendment of the Terms of Use
The Service Provider has the right to prevent, limit and change the Service or the features offered to the Service User without separate notice. The Service Provider also reserves the right to amend the Terms of Use and pricing when necessary, without the user's separate consent. The Service User may either accept the amended Terms of Use by continuing to use the Service, or terminate the Service.
4. Terms of use for individual services
Where relevant, the Service User has the option of activating, within the Service, the additional services offered from time to time by the Service Provider (see sections 13 and 14), which supplement the Service with various additional functions. By nature, the additional services may involve either a one-off fee or recurring charges. The additional services have their own, more detailed terms of use, which the Service User reads and accepts when choosing to activate an additional service through the Service. In the event of any conflict, the terms of use of the individual service take precedence over these Terms of Use.
5. Contractual relationship
The Service User does not work under the direction of the Service Provider. The contractual relationship between the Service Provider and the Service User is not, by nature, an employment relationship under section 1 of the Employment Contracts Act (2001:55) or under employment pension legislation, and no employment relationship arises between the parties. The Service User is themselves responsible for ensuring that applicable occupational safety provisions, working time provisions and other applicable laws and regulations are complied with in the work performed. The Service User agrees the assignment contract with their client themselves. The Service Provider is not a party to the assignment contract and assumes no responsibility or obligations regarding the work performed or any defects in it. It is the Service User's responsibility to ensure that applicable laws and regulations are complied with in the work carried out. Total compensation for the work must always be agreed and must be at an acceptable general level in relation to what would otherwise be paid for the work. Upon request, the Service User is obliged to provide the Service Provider with information about the content of the assignment contract and how the work was carried out. The Service User must ensure that the work is lawful and correctly performed before the invoice is sent. If an invoice sent through the Service is disputed to the Service Provider, the Service Provider will notify the Service User, and the Service User is responsible for resolving the situation with the client. If the Service User and the client cannot agree on the invoicing, the Service Provider will not continue invoicing for the assignment in question.
6. Partners
The Service Provider may enter into cooperation agreements concerning invoicing with partners acting as clients for users. Users covered by such a cooperation arrangement may be subject to terms that differ from these Terms of Use, for example regarding pricing or the invoicing process. The user accepts the cooperation arrangement by entering into an agreement with the partner and by agreeing that invoicing data and other information, such as data required for the partner's mandatory reporting, may be provided to the Service Provider in various formats, for example via an interface. The partner is responsible for providing the terms of use and obtaining acceptance of them. A user covered by the cooperation arrangement is responsible for verifying the invoicing data together with the partner, and authorises the Service Provider to prepare and send the invoice on their behalf based on the information provided by the partner. The user understands and agrees that Truster has the right to notify the user's client if payments cannot be received or reported to the user. Truster may inform the client of the nature of the payment obstacle, such as incomplete identification of the user, an incomplete company registration, missing account details, or regulatory obstacles.
7. Use of the Service
The Service Provider offers the Service User a platform, accessed via a data network, where they can invoice for work performed and withdraw payments made through the Service from a paid and/or approved invoice. Work performed both in Finland and abroad can be invoiced through the Service. Invoices may be sent through the Service to both Finnish and foreign entities and private individuals. The Service is suitable only for invoicing work performed under an assignment contract. The minimum age for using the Service is 15. Use of the Service by a minor requires the consent of a guardian. The Service may not be used to sell goods or products, nor to make salary payments within an employment relationship. The functions and actions included in each Service offered by the Service Provider are described exhaustively in the service descriptions available on the Service Provider's website. The Service does not include business advice, tax advice or legal advice. The Service User is always responsible for their business activity in general and in relation to the authorities. The Service User is responsible for independently investigating any effects that use of the Service may have on their own benefits and obligations, such as unemployment benefits and pensions. The Service User is aware that provision of the Service requires the Service User to supply, in a timely manner, in the correct format and with error-free and complete content, the information and authorisations required by the Service Provider from time to time. The Service Provider may require the Service User to correct errors detected in the material submitted by the Service User, but the Service Provider is not obliged to verify the information provided by the Service User. If the Service User provides incorrect or outdated information in the Service, the Service Provider is not liable for any resulting errors, costs or consequences. The Service User undertakes to always comply with applicable legislation and the Service Provider's instructions on the use of the Service. The Service User has the right to use the Service only for invoicing lawful business activity. The Service Provider reserves the right to introduce restrictions relating to invoicing for licensed business activities and relating to certain industries. Further restrictions are described in the service descriptions. The Service User confirms that they are liable to tax in Finland for the work invoiced through the Service. The Service cannot be used if the Service User, as a private business operator, has income sources other than those covered by the Business Income Tax Act. In the service with a Business ID, the Service User must have a valid entry in the advance withholding register, and, regardless of the user's turnover, an entry in the VAT register. However, an entry in the VAT register is not required if the Service User's industry is defined as VAT-exempt under the VAT Act. In the service without a Business ID, the Service User must have a valid tax card for wage income. Where certain conditions set out in legislation are met, the Service User is obliged to take out self-employed pension insurance (YEL). The insurance may also be taken out voluntarily. The Service User is obliged to independently determine their YEL obligation and to take out YEL insurance, either independently or through the Service Provider. Regardless of whether the Service Provider withholds YEL insurance contributions or not, the Service User remains ultimately responsible for their own insurance and for paying their insurance contributions.
If the Service User notifies the Service Provider that they are subject to the YEL insurance obligation and fulfil this obligation by taking out YEL insurance with Keskinäinen Eläkevakuutusyhtiö Ilmarinen, the Service User authorises the Service Provider, for the purpose of providing the Service, to receive payment details relating to the pension insurance (including the insurance number, invoice identification data, due date, reference information and the amount of work income) from Keskinäinen Eläkevakuutusyhtiö Ilmarinen. By giving this authorisation, the Service User will not receive a separate invoice for their YEL insurance contributions; instead, invoicing takes place exclusively through the Service. The authorisation given by the Service User remains valid until further notice, but only for as long as the pension insurance remains in force with Keskinäinen Eläkevakuutusyhtiö Ilmarinen. The Service User may revoke the authorisation given by notifying the Service Provider in writing.
8. Special terms for the service without a Business ID
The contractual relationship between the Service Provider and the Service User covers the invoicing of the Service User's work, salary payments, and other separately defined services. The Service User's client orders the work from the Service User, and the Service User sends an invoice to the client through the Service. The client pays for the work through the Service. Invoicing takes place in the name of the Service Provider, without the Service User having their own Business ID.
Please note that if you have your own sole proprietorship (toiminimi) and your own Business ID, you cannot invoice through the service without a Business ID. The service fee, advance withholding tax and any applicable health insurance contribution are withheld from the invoice's VAT-exclusive amount. The remaining amount is paid as salary to the Service User. The business income is taxed in full as earned income. The Service handles the reporting of VAT and advance withholding tax to the Tax Administration. Invoicing always includes VAT, and the VAT portion is deducted from the payment made to the Service User.
The Service Provider withholds the employer's health insurance contribution from Service Users who, based on the information provided to the Service Provider, are subject to the YEL insurance obligation, as well as from Service Users who have reported having taken out voluntary YEL insurance. The Service User is responsible for determining whether their business activity requires YEL insurance. The Service User is also responsible for taking out any other insurance required by law. The Service User is obliged to inform the Service Provider whether they are required to take out YEL insurance or another equivalent insurance, and whether they have taken out such insurance. Once the YEL insurance obligation is fulfilled, or when the Service User reports having taken out voluntary YEL insurance, the Service User is responsible for future and any retroactive health insurance contributions. The Service User is also responsible for any additional fees, costs and sanctions incurred by the Service Provider as a result of the Service User providing incorrect YEL information to the Service Provider. The Service Provider calculates the health insurance contributions and any other fees to be collected from the Service User retroactively, based on the wages on which the insurance obligation is deemed to have been fulfilled, and collects these fees either from the Service User's following net wages or by sending a separate invoice to the Service User. The Service Provider withholds the employer's health insurance contribution even in situations where, at the time of salary payment, it is not known whether the Service User is subject to the YEL insurance obligation. If health insurance contributions have been withheld unnecessarily, the Service User may, upon request, be able to have the collected health insurance contributions refunded. A refund cannot be made if the contributions have already been reported to the Tax Administration. The Service Provider calculates the amount of any refunds and pays them to the account number provided by the Service User. Users may only link their own personal account number to the service. The Service Provider has taken out accident and liability insurance for the Service User. The insurance is subject to its own terms, which are available on the Service Provider's website. In the event of a claim, the Service User is responsible for the deductible.
9. Special terms for the service with a Business ID
Using the service with a Business ID, the Service User can establish a sole proprietorship (toiminimi), invoice the client for work performed through the sole proprietorship, manage the bookkeeping of the sole proprietorship, submit the sole proprietorship's notifications to the authorities, and pay official fees. Truster Works Oy provides payment services for the sole proprietorship as part of the Truster Pro Light service. Truster Works Oy (Business ID 3131729-7) (the “Payment Service Provider”) is a provider of payment services registered with the Financial Supervisory Authority.
The Service User can establish their own Business ID (a sole proprietorship) within the Service via the Tax Administration's OmaVero service (the Finnish Tax Administration's online service). The Service Provider may offer free establishment of a sole proprietorship to those who subscribe to the service with a Business ID. The Service Provider has the right to charge the normal price for establishing a sole proprietorship or activating the service, if the Service User has not had the service with a Business ID in continuous force for at least six months from the establishment of the sole proprietorship, or if the Service User has not invoiced through the Service Provider during those six months. The Service Provider charges for the closing down of the sole proprietorship in accordance with its price list.
Establishing a sole proprietorship within the Service, or transferring an existing sole proprietorship to the Service, requires the Service User to be an adult natural person with legal capacity. Use of the Service requires the Service User to grant the Service Provider the authorisations necessary to establish and maintain the Business ID, and for the other provision of the Service and dealings with authorities. The Service Provider may require authorisations to be renewed or new authorisations to be provided. If the authorisations are insufficient, the Service Provider is not responsible for the Service being available without errors. The Service Provider also has the right to decline to provide the Service and/or terminate the agreement due to an insufficient or incorrect authorisation. The Service Provider is not responsible if a third party does not accept the authorisation. If a third party does not accept the authorisation, the Service Provider will notify the Service User of this as soon as possible.
The Service User undertakes to primarily handle all changes relating to the registration of the Business ID or tax matters through the Service. The Service User must notify the Service Provider of any changes they have made themselves, as well as of any contact from the Tax Administration that may affect the tax matters of the Business ID.
The Service User submits to the Service documents and receipts relating to the sole proprietorship's invoicing and bookkeeping, and the Service Provider prepares the bookkeeping based on the information provided by the Service User. Bookkeeping is carried out on an ongoing basis, but VAT returns are prepared according to the Service User's VAT period. Based on the bookkeeping, the Service Provider files the tax return annually no later than the due date set by the Tax Administration. The Service User is responsible for ensuring that the information and receipts submitted to the Service are correct, complete and up to date, and that the deductions and notifications based on the information provided by the Service User are duly justified. If the Tax Administration requires clarification regarding the grounds for the tax return or deductions (including any information on vehicle use and kilometres driven), the Service User undertakes to provide the requested clarifications to the Tax Administration. The Service User is solely responsible for any errors or deficiencies in the information they have provided, and for any consequences that may arise as a result.
The Service User undertakes that all income relating to the Service User's business activity is recorded in the Service in accordance with the Service Provider's instructions, that receivables are invoiced through the Service, and that all receipts relating to such income and expenses are processed through the Service. The Service User is responsible for ensuring that the receipts and documents they submit are correct. If the Service User does not act as described above, the Service Provider is not responsible for the accuracy of the bookkeeping, reporting or notification data produced through the Service, nor for ensuring that the actions taken through the Service comply with the Service User's obligations.
The Service Provider does not close down the sole proprietorship on behalf of the Service User. When the Service User notifies that they intend to close down the sole proprietorship, the Service Provider ends the sole proprietorship's official notifications and the payment of official fees, and the Service User is themselves responsible for the necessary actions, such as declaring and paying taxes and other fees. The Service Provider may offer a service for closing down the sole proprietorship. The Service Provider charges for the closing down of the sole proprietorship in accordance with its price list.
Within the Service, the Service User can choose whether the client pays the invoice into the Payment Service Provider's client funds account or into the Service User's own business account.
Client funds account
If the client pays the invoice into the Payment Service Provider's client funds account, the client pays the amounts invoiced by the Service User into the Payment Service Provider's client funds account. From the client funds account, the Payment Service Provider remits VAT and advance tax to the Tax Administration, any YEL insurance contributions to the insurance companies, any enforcement fees to the enforcement authority, and the Service User's service fees to the Payment Service Provider, after which the remaining funds are transferred to the bank account provided by the Service User. In dispute situations, payments may also be refunded to clients from the Payment Service Provider's client funds account. If the client does not pay the invoice in full within a reasonable time, or if the Service Provider must, for any reason, refund a received payment to the client in whole or in part, the Service User is obliged to repay the corresponding portion of the payment received to the Service Provider.
Own bank account
If the client pays the invoice into the Service User's own business account, the Service is intended to automate bookkeeping and invoice tracking for a sole trader, and in this alternative the Service Provider does not receive or transmit funds through a client funds account. Use of the Service requires the Service User to grant the Service Provider the right to retrieve and display transaction data for the bank or payment accounts chosen by the Service User, via a secure connection to the Service Provider's systems. Account data is retrieved using an account information service (AIS) provided by a third party. The technical provider of the account information service is Enable Banking Oy. The Service User undertakes to keep the authorisation for the bank connection in place without interruption. If the authorisation expires or is revoked, the Service Provider may be unable to provide the service or prepare the bookkeeping in real time. The Service User is responsible for ensuring that there are sufficient funds in the business account and for paying, in a timely manner, taxes (such as VAT and advance tax), official fees, and other charges relating to the business activity. The Service Provider is not responsible for damage or delays caused by operational disruptions, data transmission errors, or interruptions in the interfaces of the Service User's bank or the account information service provider.
10. Giving, receiving and executing a payment order
The Service User gives a payment order through the Service by sending an invoice to the client. At the same time, the Service User gives their consent to the execution of the payment order. The Service User is responsible for ensuring that the information on the invoice sent to the client is correct. The payment order is deemed received once the Service User has sent the invoice to the client. Unless the Service User has selected the HetiPalkka additional service, execution of the payment order begins once the client pays the invoice to the Service Provider. The Service User is responsible for ensuring that the Service Provider has received the funds relating to the payment order from the client in order to execute the payment order.
11. Revoking or amending the payment order
The Service User has the right to revoke the payment order at the latest by the day before the Service Provider takes action to execute it. The payment order can be revoked through the Service or by contacting the Service Provider's customer service. The Service User has the right to revoke an invoice through the Service before the end customer pays the amount stated on the invoice to the Service Provider. The invoice cannot be amended or revoked if the Service User has activated the HetiPalkka additional service.
12. Payment order not executed or executed incorrectly
The Service User must notify the Service Provider without undue delay upon discovering that a payment order has not been executed or has been executed incorrectly. If the payment order has not been executed or has been executed incorrectly, the Service Provider will, at the Service User's request, take steps to trace the payment transaction and notify the Service User of the outcome. If the payment order has not been executed or has been executed incorrectly for reasons attributable to the Service User, the Service Provider is not obliged to trace the payment order. If a payment order initiated by the Service User has not been executed or has been executed incorrectly for reasons attributable to the Service Provider, the Service Provider will refund the monetary amount of the payment order to the Service User without undue delay. The Service User is not entitled to a refund of the monetary amount of the payment order or any other compensation from the Service Provider unless, without undue delay after discovering it, they notify the Service Provider of an unauthorised, non-executed, incorrectly executed, or delayed payment transaction.
13. Service fees
The service fee may consist of a fixed monthly subscription price and/or a charge levied on the VAT-exclusive amount of the invoice, in accordance with the Service Provider's price list in force from time to time. All fees are specified in the service price list available in the Truster application. Applicable VAT is added to the service fees at the rate in force from time to time. By subscribing to a Service with monthly billing, or by sending an invoice through the Service, the Service User accepts the fee set out in the price list. The Service Provider reserves the right to change its pricing.
14. Separate additional services
In connection with its service, the Service Provider may offer separate additional services, such as YEL insurance, Pikamaksu, HetiPalkka and other insurance products. The Service User may choose their own additional services and may either accept or decline the specific terms of use for each additional service. By accepting the terms of use of an additional service, the Service User commits to that additional service's terms. Additional services are subject to separate prices set out in the service price list and may be invoiced together with other service fees or separately.
Truster Turva is a mandatory additional service for all Service Users, providing Service Users with security and peace of mind. Truster Turva brings together insurance essential to the business, ready-made contract templates, and benefits offered by partners.
15. Maksuvahti
The Service User has access to the additional service Truster Maksuvahti. Maksuvahti is an invoice-specific service designed to monitor the payment status of invoices sent by the Service User through the Service and to support the collection of receivables.
Maksuvahti's scope may include monitoring an invoice's payment status, sending payment reminders to the client in accordance with the processes set out by the Service Provider, and referring undisputed receivables to voluntary debt collection. The Service Provider may provide Maksuvahti itself or with the help of subcontractors and partners.
The Service User authorises the Service Provider to send payment reminders and initiate collection measures against the client regarding the invoice covered by Maksuvahti, and, for this purpose, to disclose the necessary invoice and contact information to the service provider handling the collection.
Maksuvahti can only be used for invoices sent by the Service User through the Service, the details of which the Service User has provided correctly and up to date. The Service User undertakes to notify the Service Provider without delay if an invoice is, or becomes, disputed. In a dispute situation, the Service Provider may suspend reminder and collection measures. The price of Maksuvahti follows the price list in force from time to time.
16. HetiPalkka
If the Service User has selected the HetiPalkka additional service, salary can be withdrawn on a faster schedule than normal. The Service User can activate the additional service by applying, through the Service, for invoice receivable financing (the “Financing Service”) from the Service Provider. Through the Financing Service, the Service User's client pays the invoice receivable directly to the Service Provider rather than to the Service User. When the Service User selects the HetiPalkka additional service, they must accept the terms of the HetiPalkka additional service through the Service. The Service User can apply for invoice receivable financing on an invoice-by-invoice basis through the Service, and whenever the HetiPalkka additional service is selected, the Service User must always accept the then-current terms of use of the HetiPalkka additional service. The accepted terms of use always apply to the invoice receivable for which the Service User accepts the terms of use. The Service Provider reserves the right to approve or reject a HetiPalkka request. If the User selects the HetiPalkka additional service for their invoice, the Truster Maksuvahti service is automatically linked to the invoice as well, in accordance with the price list in force from time to time.
17. Invoices and credit losses
The Service Provider sends the invoices prepared by the Service User. When sending an invoice, the Service Provider has the right to reject the invoice or edit its details and amounts so that they correspond to, for example, the VAT payable on the work. The Service Provider is not responsible for credit losses on the invoice, but offers services relating to the collection of the invoice for undisputed receivables. If an invoice is, or becomes, disputed and the Service User refers the invoice to legal collection, the Service Provider has the right to invoice the Service User for the costs of the legal collection.
18. Availability of the Service
The Service Provider provides and maintains the Service as carefully as possible. However, the Service is provided "as is", without any warranties regarding the availability of the Service or service levels. The Service Provider has the right to provide the Service in the manner it considers best, including by using subcontractors. The provision or use of the Service may be interrupted in whole or in part, for example for updates or maintenance of the Service. The Service User is not entitled to compensation for direct or indirect costs or damages that may arise from an interruption or discontinuation of the Service. The Service User is obliged to immediately notify the Service Provider of any errors or interruptions in the Service's functioning that they discover. The Service Provider is not responsible for any errors in services or interfaces provided by a third party, nor for rectifying them.
19. Intellectual property rights
The copyright and other intellectual property rights relating to the Service and its content belong to the Service Provider. The rights to material and databases produced by the Service Provider belong to the Service Provider. The Service User does not at any point obtain the right to use the Service Provider's name, logo or trademarks in their own work or marketing, unless otherwise agreed. However, the Service User may state that they use the Service Provider to invoice for their work. The Service User is responsible for all material and content they submit to the Service, and for ensuring that it is correct. The Service User is responsible for ensuring that the material they submit does not violate law or good practice, or infringe the rights of a third party. The Service Provider does not obtain any rights to the Service User's intellectual property, and may not use it for any purpose other than providing the Service.
20. Confidentiality, personal data, accuracy of information, and use of data
The Service Provider undertakes to use confidential information disclosed by the Service User, or relating to the use of the Service, solely for providing the Service and complying with regulatory requirements. This obligation continues to apply even after the agreement has ended. The Service Provider has the right to process the personal data it receives in accordance with applicable legislation. The personal data forms a separate register, and the Service Provider acts as the data controller. The Service's privacy policy is available at truster.com/ehdot/tietosuojakaytanto.
21. Damages and right of set-off
If the Service User causes costs to the Service Provider, the Service Provider has the right to invoice or offset in full the direct costs incurred as a result of the Service User. The Service User always bears ultimate responsibility for ensuring that tax returns and other documents, as well as other actions relating to the Service, meet the requirements of applicable legislation and regulatory requirements in force from time to time, and for ensuring that returns are filed on time. The Service Provider is not responsible for damage caused by errors in tax returns or tax documents, or for delays relating to these, nor for damage arising as a result of an error or delay in the Service causing a breach of law or other regulation, or a breach of an agreement entered into with a third party. The Service Provider is not responsible for damage arising from errors or delays in invoicing, or from data being altered or lost. The Service Provider does not incur liability for damages for system errors or for incorrect or missing information provided by the Service User. Any liability for damages on the part of the Service Provider is determined in accordance with legislation, and indirect damages or costs are not compensated. The Service Provider's liability is capped at the amount of the service fees charged to the Service User during the 12 months preceding the damaging event. Any claims relating to a specific Service must be submitted in writing to the Service Provider within 12 months of the Service being provided.
22. Term and termination of the agreement
For the service without a Business ID, the agreement remains in force for as long as the Service User uses the Service. The Service User may end their use of the Service at any time through the Service. For the service with a Business ID, the agreement remains in force until further notice. Both the Service User and the Service Provider have the right to terminate the agreement with immediate effect through the Service. Termination of the agreement is notified to the Service User via the Service's application. The Service Provider has the right to terminate the agreement with immediate effect or prevent use of the Service if the Service User breaches these Terms of Use, or if the Service Provider has reasonable grounds to suspect that the Service User has used the Service in a manner contrary to good practice or legislation. The Service Provider has the right, where necessary, to terminate the agreement if the customer behaves inappropriately or if there is any other equivalent ground for doing so. The Service Provider also has the right to terminate the agreement immediately, in whole or in part, and to discontinue provision of the service, if the service has not been used at all for a period exceeding 12 months. The parties have the right to rescind the agreement on the Service if the other party is guilty of a material breach of contract and does not remedy the breach within 14 days of a written notice. The Service Provider also has the right to rescind the agreement if the Service User is declared bankrupt, applies for corporate or debt restructuring, becomes subject to sanctions, is a politically exposed person or a person closely associated with such a person, or if, in the Service Provider's assessment, the customer cannot be adequately identified. The Service Provider notifies the Service User of the rescission of the agreement via the Truster application. For the Truster Pro Light service, upon termination of the agreement, the Service Provider will provide or offer the Service User the opportunity to download the bookkeeping material held by the Service Provider for the Service User, in the format and manner determined by the Service Provider. The Service Provider has no other obligations towards the Service User upon termination of the agreement, unless otherwise separately agreed in writing. Notwithstanding the termination of the agreement's term, the provisions of these Terms of Use, and the rights and obligations arising from them, that are intended to remain in effect after termination shall continue to apply.
23. Links to third-party services
The Service may contain links to third-party websites and services, to which the third party's own terms of use and privacy policies apply. The Service Provider is not responsible, to any extent, for such third-party services or websites.
24. Force majeure
The Service Provider is not responsible for delays and damage relating to the Service caused by an obstacle beyond the Service Provider's control, which the Service Provider could not reasonably have been expected to take into account at the time the agreement was concluded, and the consequences of which the Service Provider could not reasonably have avoided or overcome.
25. Sanctions and prevention of money laundering and terrorist financing
As part of opening the customer relationship, the Service User must provide the Service Provider with the customer due diligence information referred to in Chapter 3, Section 3 of the Act on Preventing Money Laundering and Terrorist Financing (444/2017) (the Anti-Money Laundering Act), and ensure that this information remains up to date throughout the term of the agreement. If the Service User fails to provide this information, or if the Service User does not meet the requirements of the Anti-Money Laundering Act, the Service cannot be provided to the Service User. The Service Provider will not provide the service to a Service User who is subject to sanctions imposed by Finland, the European Union, the United Nations, the United States or the United Kingdom, or by the competent authorities or bodies of these countries, who acts on behalf of a natural or legal person subject to sanctions, or who, through the Service, sends invoice receivables to parties subject to sanctions imposed by the competent authorities or bodies of the aforementioned countries.
26. Assignment of the agreement
The Service Provider has the right to assign the agreement on the Service to a third party by notifying the Service User of this through the Service or otherwise in writing. The Service User does not have the right to assign the agreement or any rights or obligations relating to the Service to a third party.
27. Invalidity
If any provision or condition of these Terms of Use is found to be invalid or unenforceable, this shall not affect the validity or applicability of the remaining Terms of Use.
28. Dispute resolution and applicable law
Disputes relating to the agreement or these Terms of Use that cannot be resolved through negotiation shall be settled by the Helsinki District Court. Finnish law applies to the agreement and these Terms of Use.
29. Language of the terms
The applicable language of these terms is Finnish. For customer service purposes, translations of the terms may be offered, but in the event of any discrepancy, the Finnish-language version shall prevail.
30. Financial Supervisory Authority
Truster Oy's subsidiary Truster Works Oy is a company that provides payment services and holds a registration granted by the Financial Supervisory Authority to provide payment services without requiring a licence. Truster Works Oy's operations are supervised by the Financial Supervisory Authority (www.finanssivalvonta.fi). The Financial Supervisory Authority's contact details are: Finanssivalvonta, Snellmaninkatu 6, PO Box 103, 00101 Helsinki, telephone 09 183 51 (switchboard), [email protected].
31. Service Provider
Truster Oy
Business ID: 1772129-3
Mikonkatu 13, 00100 Helsinki
+358 50 1856
Truster Works Oy
Business ID: 3131729-7
Mikonkatu 13, 00100 Helsinki
+358 50 1856