1. General

1.1 Service provider

Rahoo’s website and the functions available through it are provided by:

This information is kept available in accordance with section 176 of the Finnish Act on Electronic Communications Services (917/2014).

1.2 Scope

1.2.1 These terms apply to Rahoo’s website and its subdomains and to the functions available through the site, in particular contact and booking forms, newsletter subscription and registration as a distribution partner (the "Site").

1.2.2 These terms do not apply to applying for financing. Applying for financing — including where the application is completed on a partner-specific landing page or on a Rahoo form embedded in a partner’s service — is governed by Rahoo’s terms of use for the financing application service.

1.2.3 In these terms, Partner means a company that offers or intends to offer Rahoo’s financing application service to its own customers, and Financing Partner means a bank, finance company or other provider of financing to which Rahoo forwards applications.

1.3 Acceptance of these terms

1.3.1 By using the Site you accept these terms to the extent they concern use of the Site.

1.3.2 Registering as a Partner requires that you expressly accept these terms before submitting the registration. If the terms are not accepted, the registration cannot be submitted or processed.

1.3.3 Rahoo keeps these terms available in a form that allows them to be stored and reproduced (section 178 of the Act on Electronic Communications Services). The terms are available on Rahoo’s website and can be downloaded as a file.

1.3.4 The Site and the functions available through it are intended solely for use by companies and other traders. The parties confirm that the user is not a consumer within the meaning of the Finnish Consumer Protection Act. The parties agree to derogate from section 177(1) and section 179(1) and (2) of the Act on Electronic Communications Services to the extent that derogation by agreement is permitted under those sections.

2. Use of the Site

2.1 Nature of the content. The content of the Site is general information about Rahoo’s service. It is not an offer, an undertaking or an invitation to contract, and it does not constitute financial, investment, tax or legal advice. Amounts, prices, financing products and examples shown on the Site describe what Financing Partners may offer; they are not undertakings by Rahoo.

2.2 Accuracy of the content. Rahoo seeks to keep the content of the Site current and accurate but does not warrant that it is free of errors, complete or up to date. Rahoo may change the content and structure of the Site and remove content from it without prior notice.

2.3 Availability. Rahoo seeks to keep the Site available without interruption but does not warrant uninterrupted operation. The Site may be unavailable because of maintenance, updates, faults or third-party services.

2.4 Prohibited use. The Site may not be used:

• to provide false, misleading or another person’s information;
• to place an unreasonable load on the Site or to collect its content automatically or systematically;
• to collect pricing, criteria or other business information of Financing Partners or Partners;
• to disrupt the operation of the Site or to compromise its security;
• for any purpose contrary to law or good practice.

2.5 Links to third-party services. The Site may contain links to third-party services. Rahoo is not responsible for their content, operation or privacy practices.

3. Intellectual property rights

3.1 The Site and its content, software, marks and trademarks are the property of Rahoo or its licensors. These terms do not transfer any intellectual property rights to the user.

3.2 The content of the Site may be viewed and printed for the user’s own use. It may not be copied, modified, imitated or exploited commercially without Rahoo’s written permission.

3.3 The user retains the rights to material it submits through the Site. The user grants Rahoo the right to use that material to the extent required in order to handle the enquiry or registration.

4. Registration as a Partner

4.1 What registration is. Registration is an expression of interest and the submission of information to Rahoo so that Rahoo can assess the basis for cooperation and contact the registrant. Rahoo reviews the registration and contacts the registrant.

4.2 What registration is not. Registration:

• is not a partner agreement or any other binding agreement between the parties;
• does not oblige Rahoo to accept the registrant as a Partner or to begin cooperation;
• does not oblige the registrant to begin cooperation or to take the service into use;
• does not confer any right to use Rahoo’s financing application service, interface, materials or marks.

Cooperation begins only once the parties have entered into a separate written partner agreement. Only that agreement determines the parties’ rights and obligations, fees, service levels and data protection arrangements.

4.3 No charge. Registration is free of charge.

4.4 Authority to represent. The person completing the registration confirms that they are authorised to represent the registering company and to accept these terms on its behalf. If the registration is completed by a person without such authority, that person is personally liable for the obligations under these terms.

4.5 Accuracy of information. The registrant is responsible for the accuracy and currency of the information it provides and for having the right to give Rahoo the information submitted in the registration. Rahoo may verify information concerning the registering company in public registers.

4.6 Choices made during registration. The financing products, Financing Partners, distribution method and any domain name selected during registration are preliminary preferences on the basis of which Rahoo prepares the cooperation. They do not bind either party and do not confer any right to a particular product, Financing Partner, distribution method or domain name. The content of the cooperation is defined in the partner agreement.

4.7 Right to refuse. Rahoo may reject a registration or leave it unprocessed without stating a reason. Rahoo is not obliged to give reasons to the extent that doing so would disclose measures used to prevent misuse or trade secrets of Rahoo or a Financing Partner.

4.8 Withdrawal of a registration. A registrant may withdraw its registration by notifying Rahoo at asiakaspalvelu@rahoo.fi.

5. Financing partners and product range

5.1 The range of Financing Partners, financing products and Partners may change. Rahoo does not warrant that any particular Financing Partner or financing product is or will remain available.

5.2 The names of Financing Partners, financing products, amounts and other information shown on the Site or during registration describe the range available at the time of registration. They are not an undertaking by Rahoo or an offer by a Financing Partner.

5.3 The financing decision is always made by the Financing Partner on its own criteria. Rahoo does not grant credit, does not make credit decisions, is not a party to the financing agreement, does not handle client funds and does not bear credit risk.

6. Communications, newsletter and marketing

6.1 Rahoo may send messages concerning the handling of a registration, an enquiry, an agreement, the operation of the service and information security. These are not direct marketing but part of handling the matter.

6.2 The newsletter and other marketing communications may be subscribed to and unsubscribed from at any time. Marketing may be opted out of easily and free of charge using the link in each message or by writing to asiakaspalvelu@rahoo.fi. An opt-out does not affect any other dealings with Rahoo.

6.3 The conditions for electronic direct marketing are laid down in sections 200 and 202 of the Finnish Act on Electronic Communications Services (917/2014). The basis on which Rahoo sends marketing messages is described in more detail in the privacy notice.

7. Personal data and cookies

7.1 Rahoo processes personal data in accordance with its privacy notice. The privacy notice is available on Rahoo’s website and describes, among other things, the purposes and legal bases of the processing, the sources of the data, the recipients, the retention periods and the rights of data subjects.

7.2 The privacy notice does not form part of these terms and does not create contractual obligations for the parties. Accepting these terms does not constitute consent to the processing of personal data within the meaning of the GDPR.

7.3 The use of cookies and similar technologies is described in the cookie notice. Consent is requested separately for cookies other than essential ones, and such cookies are not set before consent is given.

8. Limitation of liability

8.1 Rahoo is not liable for:

• errors, omissions or lack of currency in the content of the Site;
• interruptions to the Site or faults in third-party services;
• whether a registrant is accepted as a Partner or on what terms;
• the acts, omissions or breaches of a Financing Partner or a Partner;
• decisions the user makes on the basis of the content of the Site;
• consequences arising from inaccuracies in the information provided by the user.

8.2 Rahoo is not liable for indirect or consequential damage, such as loss of profit, business interruption, loss of business opportunity or damage to reputation.

8.3 Rahoo’s total liability for direct damage is limited to one thousand (1,000) euros per event of damage. Use of the Site and registration are free of charge, which has been taken into account in setting the limit.

8.4 The limitations of liability do not apply to damage caused by Rahoo intentionally or through gross negligence, and they do not limit liability that cannot be limited under applicable law.

8.5 A claim for damages must be submitted to Rahoo in writing within a reasonable time and no later than six (6) months from the date on which the damage was discovered or should have been discovered.

9. Term and amendments

9.1 These terms are in force until further notice.

9.2 Rahoo may amend these terms. Amended terms take effect once published on Rahoo’s website. Amendments do not affect registrations submitted before the amendment.

9.3 Sections 3, 7, 8 and 10 survive the end of the use of the Site or the processing of a registration.

9.4 If any provision of these terms is held invalid, the remaining provisions remain in force.

10. Governing law and dispute resolution

10.1 These terms, the use of the Site and registration as a Partner are governed by Finnish law, excluding its conflict-of-law rules.

10.2 The parties shall seek to resolve disputes primarily by negotiation. A party must present its claim and the grounds for it to the other party in writing, and the parties must conduct negotiations without delay.

10.3 If a dispute is not resolved by negotiation within thirty (30) days of the written claim being presented, the dispute shall be settled at first instance by the District Court of Southwest Finland (Varsinais-Suomen käräjäoikeus).

10.4 Section 10.2 does not prevent a party from applying for interim relief or from pursuing a claim for the recovery of a debt before the negotiations have ended.

11. Contact

Enquiries concerning the Site, these terms and registration as a Partner: asiakaspalvelu@rahoo.fi.