Open to all users
Open to all users
Web service at www.mandatumlife.fi
ML Money mobile app (mobile services)
Valid as of 15 April 2018.
2. General information about the website and Web Service
The following is a presentation of the various communication channels that these terms apply to. The user of the Services must note that Mandatum Life does not recommend writing texts that contain personal data in messages that are sent through open networks, such as chat messages or unsecured email. The user of the Services must avoid writing sensitive information in open text fields also in secured connections, except where actual claim applications, for example, are concerned.
The Companies’ website provides information on the companies and their services and the opportunity to provide feedback and contact the Companies. The Companies’ website contains, for example, additional information about the processing of personal data.
2.2 Web Service
The Web Service is a service package produced by Mandatum Life, which makes it possible for the user of the Web Service to use the services as a private individual or as a representative of a corporation, regardless of time and place.
2.3 Mobile app
ML Money Mobile app is an application offered by Mandatum Life, which makes it possible for the user of the Services to use the Services as a private individual or as a representative of a corporation, regardless of time and place, using a tablet or a smartphone.
2.4 Chat messages
Mandatum Life offers chat communication through a number of electronic services. In web and mobile services, user communication takes place following authentication. The identity of a person is not verified when he/she uses the services through open websites.
2.5 Devices, programs and data connections
The user of the Services purchases, at their own expenses, the data terminals, software, passwords and data connections required for the use of the Web Service and the website, and is responsible for their usage and maintenance costs, functionality and compatibility with the Web Service and the website. The Mandatum Life companies and the user of the Services are each responsible for the appropriate information security of their own data systems. The user of the Services must ensure that the data terminals, programs and data connections used by it are secured against unauthorised use and prevent the identification data for the Web Service or data included in the Web Service from becoming disclosed.
The Mandatum Life companies shall not be liable for damages resulting from data that is lost or altered in the public data network or the data network used by the user of the Services. The Mandatum Life companies reserve the right to interrupt the offering of services if the data terminals, programs or data connections used by the user of the Services cause a threat to the functionality of Mandatum Life companies’ information systems and the security of the Web Services.
3. Special conditions for the website
3.1 Availability of the website
The website is available to the extent offered by the Companies at any given time. The Companies do not guarantee the reliability or accuracy of the website or that the website could be accessed without any interruptions or errors. The Companies reserve the right to limit the use of the website and to make changes to the website.
3.2 Links to websites offered by a third party
The inclusion of a third party link that is not related to the Companies on the Companies’ website does not in any way indicate that the Companies hold an opinion on the products or services included on these sites.
4. Special conditions for the Web Service
4.1 Use of identifiers
The Mandatum Life companies identify the user when he/she visits the Web Service at www.mandatumlife.fi using the identifiers approved by the Companies. The use of the identifiers corresponds to the traditional identification of the customer from a document establishing his/her identity.
If the Mandatum Life companies offer an application for the use of the Web Service through a data terminal other than a computer, such as through a smart phone or other mobile device, the user must use the method for logging in to the Web Service that has been approved by the Mandatum Life company. When the user of the Web Service first logs in to the Web Service, he/she must use the user ID created by the Mandatum Life company and create a password for the service, which meets the Mandatum Life companies’ requirements. The user is responsible for all assignments and messages that have been made or sent with the user’s identifiers during their period of validity.
The prerequisite for the use of the Web Service is that the user of the Services has the required user-specific banking identifiers or other identifiers approved by the Mandatum Life companies.
The bank’s identifiers consist of the changing identification codes, personal user ID and a password or confirmation code.
The user commits to keeping the identifiers carefully according to the instructions from the bank that has granted the identifiers or according to the instructions of the Mandatum Life companies or another service provider.
The user shall be liable for the unauthorised use of the Web Service’s identifiers if:
1) The user has disclosed the Web Service’s identifiers to an unauthorised party;
2) The disappearance of the Web Service identifiers, their ending up in the hands of a third party without authorisation or their unauthorised use results from negligence on the part of the user or
3) The user has neglected the duty to report to the service provider (e.g. the bank which granted the identifiers) the disappearance of the Web Service identifiers, their ending up in the hands of a third party without authorisation or their unauthorised use without undue delay after having become aware of such event.
If the user of the Services has reason to believe that the identifiers or the secret PIN code connected to them have been lost or ended up in the hands of a third party, he/she must follow the instructions given by the bank that has granted the identifiers and those given by the Mandatum Life company. The bank is responsible for disabling the bank’s identifiers.
The user of the Services is responsible for any unauthorised use of the identifiers until the identifiers have been disabled by the bank that has granted them, by the Mandatum Life company or by another service provider. The user of the Services can disable the mobile service identifiers granted by Mandatum Life on the Web Service’s “My account” page. The user of the Services can request the disabling of the identifiers granted by Mandatum Life by calling the customer service during the customer service’s opening hours.
The Mandatum Life companies never ask for the personal information, such as ID numbers, social security numbers or online banking codes of the user of the Services by email. Matters are handled through the post, email, telephone or through the Web Service. The Mandatum Life companies also never send emails that link directly to the log-in page of the Web Service; the Mandatum Life companies instruct their customers to always access the log-in page via their website.
Customer service provides assistance in problem situations.
4.2 The availability of the Web Service and suspension of service
The Web Service is available for the user of the Services on different data terminals to the extent offered by the Mandatum Life companies at any given time.
The assignments given by the users of the Services are performed in the order of reception. Any new assignments connected to the same agreement, such as fund transfers for unit-linked insurance, cannot be performed before the previous assignment has been fully completed. Otherwise the realisation of assignments will follow the insurance- or service-related terms of agreement.
The Mandatum Life companies have a right to restrict or terminate the use of the Web Service for maintenance and repair operations without prior notice. The Mandatum Life companies endeavour to report predictable maintenance breaks or other suspensions of service well in advance. Maintenance work carried out on systems causes regular service disruptions, on which information is given on the website.
The Mandatum Life companies have the right to make changes to the service selection, extent of the services, demands of the used data terminals and contents. The Mandatum Life companies shall report any changes on the Web Service.
The Mandatum Life companies have the right to interrupt their offering of the Web Service and leave a request made to the Mandatum Life companies unfulfilled, if:
• the user of the Services does not abide by the terms and conditions that apply to the Web Service,
• the customer is declared bankrupt or placed in debt restructuring,
• the user of the Services dies or his or her competence is limited,
• there is reason to believe that the data terminals, software or data connections of the user of the Services endanger the Web Service’s security,
• the user of the Services has reported that unauthorised use has been made of his/her passwords on the Web Services or that they have presumably ended up in the hands of third parties,
• another user of the Services/customer has cancelled the authorisation granted to the other, or
• there is reason to believe that the Web Service is used for illegal action or otherwise in a way that may cause damage to the user of the Services, the Mandatum Life companies or third parties.
4.3 Communication with the user
When necessary, the Companies have a right to send messages to the user of the Services, to the email address or mobile phone number given by the user of the Services. A message sent by the Company is considered to have been received when the message has been delivered electronically or has been sent in another appropriate way.
The confidentiality of messages sent through an open data network cannot be guaranteed. The Company shall not take any responsibility for any damage caused by messages sent through an open network.
4.4 Responsibility for using the services
The user of the Services is responsible for all operations that have been carried out in the Web Service using valid identifiers. The content of the operations carried out and messages sent in the Web Service are considered to be the same as those that have been saved in the information system of the Companies. If the information sent by the user of the Services is destroyed, the user of the Services must, on request, give new information. Using all reasonable means possible, the user of the Services must ensure that the material sent does not contain viruses and that it is not otherwise harmful.
The sending and arrival of an offer, response, announcement or other message through the Web Service to the recipient is the responsibility of the sender. The time that an assignment, application or agreement is made and other transactions are verified with the help of the information system maintained and/or a telephone conversation recorded by the Company.
The Company is not responsible for any damage caused by errors or deficiencies in the identification or contact information given by the user of the Services or in the information related to actions taken in the Web Service, or any damages that may have been caused to the user of the Services resulting from the loss or alteration of information in a data network.
4.5 Complaints and requirements concerning the service
The user of the Services must make possible complaints on the Web Service to the Company without delay and no later than 30 days from the time he/she has noticed or should have noticed the basis for the complaint. If the complaint is not filed within this specified time limit, the user of the Services is considered to have accepted the measure. The complaint must be made as specifically as possible by sending the message through the Web Services.
The user of the Services may send possible questions, complaints or contact requests concerning the website or the Web Service with the form provided in the Web Service or by calling the Company’s telephone service.
4.6 Service prices
The Mandatum Life companies have a right to determine a service fee or other corresponding fee for the Web Service by informing of the fee 30 days before it enters into force.
If the agreements or services that the user of the Services uses in the Web Service are subject to handling fees or other fees defined in the terms of agreement, price lists or elsewhere, the Companies have the right to choose to either collect the fees directly from the insurance savings or to invoice the customer, subject to other agreements.
5. Responsibility of the Mandatum Life companies
The information concerning the products or services presented on the website or in the Web Service is a general representation and cannot be construed as a binding offer by the Mandatum Life companies, or as investment advice or any other binding representation; they are included only as a suggestion to make a purchase offer, unless otherwise expressed.
The Mandatum Life companies are not liable for any possible damages, losses of profit or interruption of business caused by the website or the Web Services offered on the website, or an interruption of the services, even if the possibility of this kind of damage has been reported to the Mandatum Life companies. The Mandatum Life companies’ maximum liability is that enforced by peremptory norms of Finnish legislation.
The Mandatum Life companies are not responsible for any inoperability of identifiers required by the Web Service or any other damages related to identifiers.
The website and the Web Service are intended a) for legally competent private customers over the age of 18 permanently residing in Finland, b) for private individuals covered by Mandatum Life Services Ltd’s Pension Services or Reward Services and c) for corporate customers registered in Finland.
Due to restrictions related to market price information provided by third parties contained in the Web Service, access to market price information possibly available on the Web Service shall be prohibited to persons residing or corporations operating in Australia.
Insurance policies and the related investment baskets, products and services managed by the Companies are not intended for United States residents or corporations operating there.
The market price quotations of investments displayed in monthly reports and other customer materials are only for the personal use of customers of the Mandatum Life companies as information regarding the performance of the insurance contract; they may not be distributed to third parties or used in connection with other investments. The Mandatum Life companies’ customer is aware that the service providers used by the Companies are, in this context, third parties that do not, in any situation, bear responsibility towards nor are they liable to pay indemnity to the Mandatum Life company’s customer. The Mandatum Life companies are not responsible for the contents, availability or accuracy of the information provided by such third parties.
The Mandatum Life companies are not liable for damages caused by a force majeure or other similar reason. This kind of force majeure could be, for example, a measure taken by authorities, terror attack, war, cyber attack or its threat, industrial action, general power failure, cable disruption or interruption in a data communication network, or break in service or any other reason that unduly hinders the operation of the parties and over which the parties have no influence.
6. Processing of personal data and saving data
The Mandatum Life companies collect, process and analyse data on the use, traffic, and events on the website and the services offered on it, such as the Web Services, as well as other statistics related to the website.
The user of the Services reserves the right to hand over the data it has given through the Web Service to the Companies.
The Mandatum Life companies are entitled to save data concerning the Web Service contact of the user of the Services and his/her online transactions taking place on different data terminals in its data systems and process the data for, among other things, the confirmation of online transactions, the risk management of the Companies, to ensure data security, for identifying the user of the Services, managing customer relationships, for improving the quality and functionality of the Web Service and marketing the Companies’ services.
Should a user of the Services wish to send the Companies a secure message or a message containing information concerning the customer relationship, the Mandatum Life companies recommend sending the message through the Web Services or by post.
7. Intellectual property rights and the right to use the website and Web Service
Distribution and publication of the contents of the Mandatum Life companies’ website is forbidden without separate written consent.
The use of press releases and other public documents for public transfer of information is permitted provided that the source of the information is mentioned. If the user of the Services downloads or copies information from the website, he/she commits to not removing from the material any possible markings or identifiers that show the origin of the intellectual property rights, such as copyright markings.
The Mandatum Life companies shall provide notification of changes on their website and in the Web Service at least 30 days before their entry into force. The user of the Services is considered to have received notification from the Mandatum Life company at the latest on the seventh (7) day from the day the notification is made available to the user of the Services on the Web Service or the website.
9. Customer guidance and external legal recourse
For questions related to the services provided through the Internet and the related terms and conditions, the user of the Services should primarily contact the Mandatum Life companies’ customer service.
The European Commission also offers an Online Dispute Resolution forum, specifically intended for consumers living in another EU country, at the address http://ec.europa.eu/consumers/odr.
10. Applicable law and venue
Possible disputes shall be resolved at the Helsinki District Court. The consumer is also entitled to institute legal proceedings in the district court of his/her domicile in Finland.
11. Companies’ data
Mandatum Life Insurance Company Limited
Business ID: 0641130-2 Domicile: Helsinki, Finland
Street address: Bulevardi 56, 00120 Helsinki
Postal address: P.O. Box 627, FI-00101 Helsinki, Finland
Kaleva Mutual Insurance Company
Business ID: 0200628-9 Domicile: Helsinki, Finland
Street address: Bulevardi 56, 00120 Helsinki
Postal address: P.O. Box 347, FI-00101 Helsinki, Finland
Mandatum Life Services Ltd.
Business ID: 2614680-9 Domicile: Helsinki, Finland
Street address: Bulevardi 56, 00120 Helsinki
Postal address: P.O. Box 1210, 00101 Helsinki