Terms of Use concerning Mandatum Life’s website and electronic services

These terms of use (hereinafter “Terms of Use”) apply to users of Mandatum Life’s website and electronic services (“Service”). In this context, website and electronic services refer to the web service, mobile service and chat messages. For the purposes of these Terms of Use, the definition “Web Service” shall be used if the intention is to refer only to the web service, including mobile services.

Users of the above-mentioned Mandatum Life’s services are Mandatum Life Insurance Company Limited’s customers. Mandatum Life offers its Web Services to the customers of Kaleva Mutual Insurance Company to the extent where Mandatum Life handles insurance matters on behalf of Kaleva. Mandatum Life Services Ltd offers Pension Services to certain pension funds, whereby the members of these funds can be users of the Services. Mandatum Life Services Ltd also offers Reward Services to personnel funds, whereby the members of the personnel fund can be users of the Services. The representative of corporate clients is a user as referred to in these Terms of Use when he/she acts on behalf of the company he/she represents.

Channel

User

Website www.mandatumlife.fi

Open to all users

Website chat

Open to all users

Web service at www.mandatumlife.fi

  • For Mandatum Life’s contract customers
  • For Kaleva’s contract customers
  • For users of Mandatum Life Services Ltd’s Pension Services and Reward Services

ML Money mobile app (mobile services)

  • For Mandatum Life’s contract customers
  • For Kaleva’s contract customers
  • For users of Mandatum Life Services Ltd’s Pension Services and Reward Services

 

If any of the terms included in the Terms of Use are only applicable to the users of Mandatum Life Insurance Company’s or Kaleva Mutual Insurance Company’s Services, each of these companies is separately referred to as “Insurance Company”. Mandatum Life Services Ltd is a processor as referred to in the General Data Protection Regulation (GDPR) when offering its services and channels to the users of pension services or reward services. Insofar as the pension services are concerned, the pension fund whose member the person using the Web Services is, is the controller as referred to in the GDPR. Insofar as the reward services are concerned, the personnel fund whose member uses the Web Services is the controller.

Valid as of 15 April 2018.

 

1. Committing to Terms of Use

The user of the Services must carefully familiarise him-/herself with these Terms of Use prior to using the Services. By using the Services the user of the Services agrees to be bound by these Terms of Use. The use of the Services is not permitted if the user of the Services does not accept the Terms of Use. When visiting the Web Service for the first time, the user of the Services accepts the Terms of Use in force at any given time. Using the Web Service can take place using applicable data terminals connected through data connections such as desktop computers, laptops, tablets and smart phones. The Services made available for use on various data terminals can differ from one another in both content and functions. The Mandatum Life companies’ website (www.mandatumlife.fi) provides advice related to the requirements for data terminals.

The user of the Services must separately accept the Terms of Use when using the services as a private individual and as a user on behalf of a corporation.

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.

2.1 Website

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 Companies’ website may contain links to pages owned or maintained by third parties. When accessing such websites the user of the Services must read the possible terms of use and accept them before starting to use the sites. When transferring to a linked site, the user of the Services accepts that the site is not managed by the Companies and that the Companies have no control over the content of the material created or published on this site. The Companies are not responsible for any of the material on sites managed 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

These web service terms are secondary to the agreement between the user of the Services and the Mandatum Life company. With respect to a service that is used in the Web Service, the terms of the insurance contract concerning the service in question and other contractual terms shall be primarily applied. The Terms of Use for the Web Service are not a part of the insurance contract.

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.

The Mandatum Life companies use cookies to ensure the proper functioning of their Web Services, to monitor the focus of the interests of visitors to the Website and to target advertising.

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.

More information on the processing of personal data and the use of cookies can be found on the Companies’ website www.mandatumlife.fi/tietosuoja

7. Intellectual property rights and the right to use the website and Web Service

The website and Web Service contain material that is covered by intellectual property rights. All rights that are not specifically granted to the user of the Services by these Terms of Use belong to the Mandatum Life companies or third parties. Copying, transferring, linking, distribution, altering, storing of the page or service content or parts of it in any form whatsoever or utilising it in any way for commercial purposes is forbidden without prior written permission from the Mandatum Life companies. Viewing the website using a data terminal and printing are permitted only for personal use.

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.

8. Changing the Terms of Use and the Web Service Terms

The Mandatum Life companies have the right to change these Terms of Use and the agreement on the Web Services, possible special conditions related to the services, the content of the services and the service selection.

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.

The changed Terms of Use also apply to agreements signed before the validity of these terms. The user of the Services is considered to have accepted a change if he/she uses the Web Service or the website after the change. If the user of the Services does not accept the changed terms, he/she cannot use the Web Service.

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.
Consumer customers can take any disputes concerning these Terms of Use to the Finnish Financial Ombudsman Bureau (Fine, www.fine.fi) or the Consumer Disputes Board (KRIL, www.kuluttajariita.fi).

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

These Terms of Use are governed by Finnish law.

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.

If there is a conflict between different language versions, the Terms of Use and service-related information in the Finnish language will be applied.

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