Service Terms

1. When using the service, the Freelancer will accept all terms and conditions. Upon signing up for the service, you must accept and abide by these terms and conditions.

7. The freelancer receives a personal message to check when the net salary can be withdrawn from the account.

5. The billing order also provides all the information needed for payroll payment. If not all information is provided to Palkkag Oy, it may slow down the payroll payment (for example, if a personal identification number or account number is missing).

6. When the payment is invoiced to Palkkaguru Oy, Palkkaguru Oy will pay the wages to the freelance entrepreneur.

3. The Freelancer is a customer of Palkkaguru Oy. The Freelancer's client is not a client of Palkkaguru Oy, but rather a company or individual who is billed by Palkkaguru Oy in accordance with the assignment.

8. The freelance entrepreneur receives an online salary (payroll) from their personal online bank or via email, where they can check the paid amount.

4. Palkkaguru Oy will first receive a billing order from the customer, which Palkkaguru Oy will invoice as soon as possible based on the information provided. If the information incomplete or incorrect, the submission of the invoice may be delayed. For example, if the company name and/or business ID is incorrect.

2. Palkkaguru Oy undertakes to pay the invoices, payroll, and other services in accordance with all applicable laws and regulations, and comply with the general good practices in the industry.

9. The freelance entrepreneur will be responsible for and will pay the statutory pension insurance contributions to Elo (or any other pension insurance company of their choice) and will pay the contributions directly to the pension insurance company. Palkkaguru will assist and advise upon request, but the freelancer is ultimately responsible for this.

10. The freelancer is responsible for and takes care of the accident insurance premium and other necessary insurance required for the job or service from LocalTapiola (or, if desired, any other insurance company). Palkkagu Oy's fee includes accident and liability insurance. The freelancer entrepreneur is responsible for any possible deductible. Palkkagu Oy provides assistance and advice upon request, but the freelancer remains responsible for these matters.

11. If a freelance entrepreneur client fails to pay the invoice to Palkaguru Oy on time, Palkkaguru Oy will automatically initiate a notice and recovery within 7 days from the due date. One payment reminder will be sent to the customer, after which the invoice will be collected by a collection agency at the request of freelance entrepreneur (this is an additional service not included in the basic price of the service).

15. Palkkaguru Oy is committed to complying with all laws and regulations and takes great care in ensuring data security data protection. Palkkaguru Oy does not provide any information to third parties without the permission of the freelancer

14. If a freelancer entrepreneur customer claims an invoice, the invoice should be addressed to the freelancer entrepreneur, and Palkkaguru Oy should be informed of this complaint.

13. Palkkaguru Oy undertakes to report and settle all payments it receives (e.g., withholding tax, SAVA payments, bail accounts, income tax returns, and separate notices) to the Tax Administration or other authorities or insurance companies in a timely manner.

16. Palkkaguru Oy complies with the EU General Data Protection Regulation (GDPR).

12. Palkkaguru Oy deducts any statutory fees payable to the authorities from the freelancer's payroll (net salary). Payments made to the authorities will be subject to the applicable VAT in accordance with the Tax Administration's instructions.

17. The freelance entrepreneur undertakes to provide all information correctly and honestly to Palkkaguru Oy.

18. Any disputes shall be primarily resolved between the Parties.

Privacy Policy

At Palkkaguru Oy, accessible from https://www.palkkaguru.fi/, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Palkkaguru Oy and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Palkkaguru Oy. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

We've updated our Terms & Policy to provide you with complete transparency into what is being set when you visit our site and how it's being used. By using our website, registering an account, or making a purchase, you hereby consent to our Terms & Conditions.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

How we use your information

We use the information we collect in various ways, including to:

• Provide, operate, and maintain our website

• Improve, personalize, and expand our website

• Understand and analyze how you use our website

• Develop new products, services, features, and functionality

• Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes

• Send you emails

• Find and prevent fraud

How Long Do We Keep Your Information?

We keep your information only so long as we need it to provide Palkkaguru Oy to you and fulfill the purposes described in this policy. This is also the case for anyone that we share your information with and who carries out services on our behalf. When we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory obligations, we’ll either remove it from our systems or depersonalize it so that we can't identify you.

Is the information collected through the Palkkaguru Oy Service secure?

We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your personal information, we cannot guarantee its absolute security. If applicable law imposes any non-disclaimable duty to protect your personal information, you agree that intentional misconduct will be the standards used to measure our compliance with that duty.

Legal Basis for Information Processing

We process personal and financial data under the legal bases of contract (to provide invoicing services), legal obligation (to comply with Finnish and EU financial regulations), and legitimate interest (to ensure the security and integrity of our services).

Data Sharing with Authorities

In accordance with the updated Finnish legislation on online financial service providers, we may disclose invoicing, payment, or other relevant financial data to public authorities such as the Finnish Tax Administration, supervisory bodies, or other competent authorities, but only when required by applicable law.

Data Retention

Financial data will be retained for as long as necessary to fulfill legal obligations (for example, bookkeeping laws typically require retention for six years after the end of the financial year) and to provide you with our services.

Security Measures

We apply appropriate technical and organizational measures to protect financial and personal data, including encryption, access controls, and regular audits, in line with Finnish legal requirements.

Links to Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by Palkkaguru Oy. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you.

Third-Party Services

We may display, include or make available third-party content (including data, information, applications and other products services) or provide links to third-party websites or services ("Third- Party Services").

You acknowledge and agree that Palkkaguru Oy shall not be responsible for any Third-Party Services, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. Palkkaguru Oy does not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services.

Third-Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

Payment Details

In respect to any credit card or other payment processing details you have provided to our 3rd party providers (Stripe), they commit that this confidential information will be stored in the most secure manner possible.

Sale of Business

We reserve the right to transfer information to a third party in the event of a sale, merger or other transfer of all or substantially all of the assets of Palkkaguru Oy or any of its Corporate Affiliates (as defined herein), or that portion of Palkkaguru Oy or any of its Corporate Affiliates to which the Service relates, or in the event that we discontinue our business or file a petition or have filed against us a petition in bankruptcy, reorganization or similar proceeding, provided that the third party agrees to adhere to the terms of this Privacy Policy.

​Log Files

Palkkaguru Oy follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Testimonials Disclosure

Any testimonials provided on this platform are opinions of those providing them. The information provided in the testimonials is not to be relied upon to predict results in your specific situation. The results you experience will be dependent on many factors including but not limited to your level of personal responsibility, commitment, and abilities, in addition to those factors that you and/or Palkkaguru Oy may not be able to anticipate.

We will give honest testimonials to our visitors regardless of any discount. Any product or service that we test are individual experiences, reflecting real life experiences. The testimonials could be displayed on audio, text or video and are not necessarily representative of all of those who will use our products and/or services.

Palkkaguru Oy does not guarantee the same results as the testimonials given on our platform. Testimonials presented on Palkkaguru Oy are applicable to the individuals writing them, and may not be indicative of future success of any other individuals.

Please don’t hesitate to contact us if you would like to know more about testimonials, discounts, or any of the products/services that we review.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Palkkaguru Oy.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Palkkaguru Oy, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that Palkkaguru Oy has no access to or control over these cookies that are mandatory to run the platform.

Third-Party Privacy Policies

Palkkaguru Oy's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

Affiliates

We may disclose information (including personal information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, "Corporate Affiliate" means any person or entity which directly or indirectly controls, is controlled by or is under common control with Palkkaguru Oy, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business deletes any personal data about the consumer that a business has collected.

Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

Palkkaguru Oy does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Our Privacy Policy was created with the help of the Free Privacy Policy Generator.

Terms & Conditions

By accessing and placing an order with Palkkaguru Oy, you confirm that you are in agreement with and bound by the terms of service contained in the Terms & Conditions outlined below. These terms apply to the entire website and any email or other type of communication between you and Palkkaguru Oy.

Under no circumstances shall Palkkaguru Oy team be liable for any direct, indirect, special, incidental or consequential damages, including, but not limited to, loss of data or profit, arising out of the use, or the inability to use, the materials on this site, even if Palkkaguru Oy team or an authorized representative has been advised of the possibility of such damages. If your use of materials from this site results in the need for servicing, repair or correction of equipment or data, you assume any costs thereof.

Palkkaguru Oy will not be responsible for any outcome that may occur during the course of usage of our resources. We reserve the rights to change prices and revise the resources usage policy in any moment.

License

Palkkaguru Oy grants you a revocable, non-exclusive, non-transferable, limited license to use the website strictly in accordance with the terms of this Agreement.

These Terms & Conditions are a contract between you and Palkkaguru Oy (referred to in these Terms & Conditions as "Palkkaguru Oy", "us", "we" or "our"), the provider of the Palkkaguru Oy website and the services accessible from the Palkkaguru Oy website (which are collectively referred to in these Terms & Conditions as the "Palkkaguru Oy Service").

You are agreeing to be bound by these Terms & Conditions. If you do not agree to these Terms & Conditions, please do not use the Palkkaguru Oy Service. In these Terms & Conditions, "you" refers both to you as an individual and to the entity you represent. If you violate any of these Terms & Conditions, we reserve the right to cancel your account or block access to your account without notice.

Compliance with Finnish and EU Law

Palkkaguru Oy invoicing platform Guru operates in accordance with applicable Finnish and EU legislation, including recent updates to laws regulating online services that process financial information. By using our services, you acknowledge that we may process, store, and transmit financial data in compliance with these legal requirements.

Data Accuracy and Record Keeping

As required by Finnish financial regulations, Palkkaguru's Guru platform may retain invoicing and transaction data for the periods specified by law. You are responsible for ensuring the accuracy of the information you provide.

Reporting Obligations

Palkkaguru Oy may be legally required to share certain financial data with Finnish authorities (e.g., the Tax Administration) for reporting or compliance purposes. This sharing will only take place when required by law.

Payment

If you pay for any of our one-time payment plans, you agree to pay all fees or charges to your account for the Service in accordance with the fees, charges and billing terms in effect at the time that each fee or charge is due and payable. Your Payment Provider agreement governs your use of the designated credit card account, and you must refer to that agreement and not these Terms to determine your rights and liabilities with respect to your Payment Provider.

You are responsible for any third-party fees that you may incur when using the Service.

Your Suggestions

Any feedback, comments, ideas, improvements or suggestions (collectively, "Suggestions") provided by you to Palkkaguru Oy with respect to the website shall remain the sole and exclusive property of Palkkaguru Oy.

Palkkaguru Oy shall be free to use, copy, modify, publish, or redistribute the Suggestions for any purpose and in any way without any credit or any compensation to you..

Submissions and Privacy

In the event that you submit or post any ideas, creative suggestions, designs, photographs, information, advertisements, data or proposals, including ideas for new or improved products, services, features, technologies or promotions, you expressly agree that such submissions will automatically be treated as non-confidential and non-proprietary and will become the sole property of Palkkaguru Oy without any compensation or credit to you whatsoever. Palkkaguru Oy and its affiliates shall have no obligations with respect to such submissions or posts and may use the ideas contained in such submissions or posts for any purposes in any medium in perpetuity, including, but not limited to, developing, manufacturing, and marketing products and services using such ideas.

Changes To Our Terms & Conditions

You acknowledge and agree that Palkkaguru Oy may stop (permanently or temporarily) providing the Service (or any features within the Service) to you or to users generally at Palkkaguru Oy’s sole discretion, without prior notice to you. You may stop using the Service at any time. You do not need to specifically inform Palkkaguru Oy when you stop using the Service. You acknowledge and agree that if Palkkaguru Oy disables access to your account, you may be prevented from accessing the Service, your account details or any files or other materials which is contained in your account.

If we decide to change our Terms & Conditions, we will post those changes on this page, and/or update the Terms & Conditions modification date below.

Modifications to Our website

Palkkaguru Oy reserves the right to modify, suspend or discontinue, temporarily or permanently, the website or any service to which it connects, with or without notice and without liability to you.

Updates to Our website

Palkkaguru Oy may from time to time provide enhancements or improvements to the features/ functionality of the website, which may include patches, bug fixes, updates, upgrades and other modifications ("Updates").

Updates may modify or delete certain features and/or functionalities of the website. You agree that Palkkaguru Oy has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features and/or functionalities of the website to you.

You further agree that all Updates will be (i) deemed to constitute an integral part of the website, and (ii) subject to the terms and conditions of this Agreement.

Term and Termination

This Agreement shall remain in effect until terminated by you or Palkkaguru Oy.

Palkkaguru Oy may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from Palkkaguru Oy, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the website and all copies thereof from your computer.

Upon termination of this Agreement, you shall cease all use of the website and delete all copies of the website from your computer.

Termination of this Agreement will not limit any of Palkkaguru Oy's rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.

Copyright Infringement Notice

If you are a copyright owner or such owner’s agent and believe any material on our website constitutes an infringement on your copyright, please contact us setting forth the following information: (a) a physical or electronic signature of the copyright owner or a person authorized to act on his behalf; (b) identification of the material that is claimed to be infringing; (c) your contact information, including your address, telephone number, and an email; (d) a statement by you that you have a good faith belief that use of the material is not authorized by the copyright owners; and (e) the a statement that the information in the notification is accurate, and, under penalty of perjury you are authorized to act on behalf of the owner.

No Warranties

The website is provided to you "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, Palkkaguru Oy, on its own behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the website, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, Palkkaguru Oy provides no warranty or undertaking, and makes no representation of any kind that the website will meet your requirements, achieve any intended results, be compatible or work with any other software, websites, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither Palkkaguru Oy nor any Palkkaguru Oy's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the website, or the information, content, and materials or products included thereon; (ii) that the website will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the website; or (iv) that the website, its servers, the content, or e-mails sent from or on behalf of Palkkaguru Oy are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.

Limitation of Liability

Notwithstanding any damages that you might incur, the entire liability of Palkkaguru Oy and any of its suppliers under any provision of this Agreement and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you for the website.

To the maximum extent permitted by applicable law, in no event shall Palkkaguru Oy or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the website, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if Palkkaguru Oy or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

This Agreement, together with the Privacy Policy and any other legal notices published by Palkkaguru Oy on the Services, shall constitute the entire agreement between you and Palkkaguru Oy concerning the Services. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and Palkkaguru Oy’s failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision. YOU AND Palkkaguru Oy AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Agreement shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.

No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any right or power under this Agreement preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.

Amendments to this Agreement

Palkkaguru Oy reserves the right, at its sole discretion, to modify or replace this Agreement at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our website after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Palkkaguru Oy.

Entire Agreement

The Agreement constitutes the entire agreement between you and Palkkaguru Oy regarding your use of the website and supersedes all prior and contemporaneous written or oral agreements between you and Palkkaguru Oy.

You may be subject to additional terms and conditions that apply when you use or purchase other Palkkaguru Oy's services, which Palkkaguru Oy will provide to you at the time of such use or purchase.

Updates to Our Terms

We may change our Service and policies, and we may need to make changes to these Terms so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to these Terms and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Terms. If you do not want to agree to these or any updated Terms, you can delete your account.

Intellectual Property

The website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Palkkaguru Oy, its licensors or other providers of such material and are protected by Finland and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. The material may not be copied, modified, reproduced, downloaded or distributed in any way, in whole or in part, without the express prior written permission of Palkkaguru Oy, unless and except as is expressly provided in these Terms & Conditions. Any unauthorized use of the material is prohibited.

Agreement to Arbitrate

This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR Palkkaguru Oy’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and Palkkaguru Oy concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.

Notice of Dispute

In the event of a dispute, you or Palkkaguru Oy must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute via email to: laskutus@palkkaguru.fi. Palkkaguru Oy will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email address. You and Palkkaguru Oy will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or Palkkaguru Oy may commence arbitration.

Binding Arbitration

If you and Palkkaguru Oy don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration. Any and all legal, accounting, and other costs, fees, and expenses incurred by the prevailing party shall be borne by the non-prevailing party.

Promotions

Palkkaguru Oy may, from time to time, include contests, promotions, sweepstakes, or other activities (“Promotions”) that require you to submit material or information concerning yourself. Please note that all Promotions may be governed by separate rules that may contain certain eligibility requirements, such as restrictions as to age and geographic location. You are responsible to read all Promotions rules to determine whether or not you are eligible to participate. If you enter any Promotion, you agree to abide by and to comply with all Promotions Rules.

Additional terms and conditions may apply to purchases of goods or services on or through the Services, which terms and conditions are made a part of this Agreement by this reference.

Typographical Errors

In the event a product and/or service is listed at an incorrect price or with incorrect information due to typographical error, we shall have the right to refuse or cancel any orders placed for the product and/or service listed at the incorrect price. We shall have the right to refuse or cancel any such order whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, we shall immediately issue a credit to your credit card account or other payment account in the amount of the charge.

Miscellaneous

If for any reason a court of competent jurisdiction finds any provision or portion of these Terms & Conditions to be unenforceable, the remainder of these Terms & Conditions will continue in full force and effect. Any waiver of any provision of these Terms & Conditions will be effective only if in writing and signed by an authorized representative of Palkkaguru Oy. Palkkaguru Oy will be entitled to injunctive or other equitable relief (without the obligations of posting any bond or surety) in the event of any breach or anticipatory breach by you. Palkkaguru Oy operates and controls the Palkkaguru Oy Service from its offices in Finland. The Service is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Accordingly, those persons who choose to access the Palkkaguru Oy Service from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. These Terms & Conditions (which include and incorporate the Palkkaguru Oy Privacy Policy) contains the entire understanding, and supersedes all prior understandings, between you and Palkkaguru Oy concerning its subject matter, and cannot be changed or modified by you. The section headings used in this Agreement are for convenience only and will not be given any legal import.

Disclaimer

Palkkaguru Oy is not responsible for any content, code or any other imprecision.

Palkkaguru Oy does not provide warranties or guarantees.

In no event shall Palkkaguru Oy be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. The Company reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice.

The Palkkaguru Oy Service and its contents are provided "as is" and "as available" without any warranty or representations of any kind, whether express or implied. Palkkaguru Oy is a distributor and not a publisher of the content supplied by third parties; as such, Palkkaguru Oy exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the Palkkaguru Oy Service. Without limiting the foregoing, Palkkaguru Oy specifically disclaims all warranties and representations in any content transmitted on or in connection with the Palkkaguru Oy Service or on sites that may appear as links on the Palkkaguru Oy Service, or in the products provided as a part of, or otherwise in connection with, the Palkkaguru Oy Service, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Palkkaguru Oy or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Palkkaguru Oy does not warrant that the Palkkaguru Oy Service will be uninterrupted, uncorrupted, timely, or error-free.

This Privacy Policy was created with Termify.io

Cookie Policy

This Cookie Policy explains how Palkkaguru Oyand its affiliates (collectively "Nature Photography by Stefan Gerrits", "we", "us", and "ours"), use cookies and similar technologies to recognize you when you visit our website, including without limitation https://www.palkkaguru.fi and any related URLs, mobile or localized versions and related domains / sub-domains ("Websites"). It explains what these technologies are and why we use them, as well as the choices for how to control them.

What is a cookie?

A cookie is a small text file that is stored on your computer or other internet connected device in order to identify your browser, provide analytics, remember information about you such as your language preference or login information. They're completely safe and can't be used to run programs or deliver viruses to your device.

Why do we use cookies?

We use first party and/or third party cookies on our website for various purposes such as:

• To facilitate the operation and functionality of our website;

• To improve your experience of our website and make navigating around them quicker and easier;

• To allow us to make a bespoke user experience for you and for us to understand what is useful or of interest to you;

• To analyze how our website is used and how best we can customize it;

• To identify future prospects and personalize marketing and sales interactions with it;

• To facilitate the tailoring of online advertising to your interests.

What type of cookies does Palkkaguru Oy use?

Cookies can either be session cookies or persistent cookies. A session cookie expires automatically when you close your browser. A persistent cookie will remain until it expires or you delete your cookies. Expiration dates are set in the cookies themselves; some may expire after a few minutes while others may expire after multiple years. Cookies placed by the website you’re visiting are called “first party cookies”.

Strictly Necessary cookies are necessary for our website to function and cannot be switched off in our systems. They are essential in order to enable you to navigate around the website and use its features. If you remove or disable these cookies, we cannot guarantee that you will be able to use our website.

We use the following types of cookies in our website:

Essential Cookies

We use essential cookies to make our website work. These cookies are strictly necessary to enable core functionality such as security, network management, your cookie preferences and accessibility. Without them you wouldn't be able to use basic services. You may disable these by changing your browser settings, but this may affect how the Websites function.

Performance and Functionality Cookies

These cookies are used to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously.

Marketing Cookies

These account-based marketing cookies enable us to identify future prospects and personalize sales and marketing interactions with them.

Analytics and Customization Cookies

These cookies collect information that is used to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website for you.

We use cookies served by Google Analytics to collect limited data directly from end-user browsers to enable us to better understand your use of our website. Further information on how Google collects and uses this data can be found at: https://www.google.com/policies/privacy/partners/. You can opt-out of all Google supported analytics on our Websites by visiting: https://tools.google.com/dlpage/gaoptout.

Social Media Cookies

These cookies are used when you share information using a social media sharing button or “like” button on our Site or you link your account or engage with our content on or through a social networking website such as Facebook, Twitter or Google+. The social network will record that you have done this. These cookies may also include certain code that has been placed on the platform to help track conversions from ads, optimize ads based on collected data, build targeted audiences for future ads, and remarket to qualified users who have already taken certain action on the platform.

Third Party Cookies

Some cookies that have been set on our website are not set on a first party basis by Palkkaguru Oy. The Websites can be embedded with content from third parties to serve advertising. These third party service providers may set their own cookies on your web browser. Third party service providers control many of the performance and functionality, advertising, marketing and analytics cookies described above. We do not control the use of these third party cookies as cookies can only be accessed by the third party that originally set them.

How you can manage cookies?

Most browsers allow you to control cookies through their 'settings' preferences. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information. Browser manufacturers provide help pages relating to cookie management in their products.

Browser manufacturers provide help pages relating to cookie management in their products. Please see below for more information.

• Google Chrome

• Internet Explorer

• Mozilla Firefox

• Safari (Desktop)

• Safari (Mobile)

• Android Browser

• Opera

• Opera Mobile

Blocking and disabling cookies and similar technologies

Wherever you're located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser's help menu for more information.

Changes To Our Cookie Policy

We may change our Service and policies, and we may need to make changes to this Cookie Policy so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to this Cookie Policy and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Cookie Policy. If you do not want to agree to this or any updated Cookie Policy, you can delete your account.

Your Consent

By using our website, registering an account, or making a purchase, you hereby consent to our Cookie Policy and agree to its terms.

This Cookie Policy was created with Termify.io

Address

Bulevardi 30 A 21

00120 Helsinki, Finland

Business ID 3021959-9

Contact

+358 9 231 216 19

laskutus@palkkaguru.fi

Mon - Fri: 9am - 4pm

Palkkaguru.fi

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