Consumer Protection Act

Original Language Title: Kuluttajansuojalaki

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1978/19780038

In accordance with the decision of Parliament: Chapter 1 General provisions article 1 in This law applies to the supply, sale of consumer goods and other marketing feedback from consumers. The law shall also apply where the seller or supplier to convey goods to consumers.
This law does not apply to the statutory insurance or employee group life insurance or a benefit granted by the municipal institution.


section 2 of this Act provides for the exchange of trade must also be applied.


2. (a) section (21 January 2005/29) under this Act, Chapter 3, 4 and 6 (a), the provisions of Chapter 6 of the provisions of the sale of the home, as well as apply, mutatis mutandis, to the guarantee and commitments (361/1999) the commitments referred to in pantinantajien yksityistakaajien and private lenders.


section 3 (5.1.1994/16) the consumption of the asset for the purposes of this law, as well as other commodities, goods, services and benefits that are offered to individuals or that the number of such persons for the purchase of private finances essential.


section 4 (5.1.1994/16) as a consumer for the purpose of this law, any natural person who obtains a consumer durable, primarily for a purpose other than that of their professional activities.


section 5 (5.1.1994/16) to the Supplier for the purposes of this law, any natural or legal person, public or private, that income or other economic benefits in order to get a professional to keep trade, sell, or otherwise provide consumer goods for a consideration, of hankittaviksi.


Article 6 article 6 (5.1.1994/16) has been repealed L:lla 5.1.1994/16.
Chapter 2 (August 29, 2008/561) Marketing and customer with respect to section 1 of the procedures (August 29, 2008/561) a good way to fight against the ban on the marketing and the marketing of an unfair procedure, must not be contrary to the requirement of good faith, and it does not use the consumer in terms of inappropriate procedure. Inappropriate procedure may not be used either in the customer relationship.


2 section (August 29, 2008/561) Marketing non-compliance with the requirement of good marketing is considered to be contrary to the requirement of good faith, if it is clearly in conflict with generally accepted social values, and in particular if: 1) it is a violation of human dignity or religious or political beliefs;
2) it occurs in the sex, age, ethnic or national origin, nationality, language, religion, State of health, disability, sexual orientation, or any other person on any of the grounds of discrimination associated with; or 3) it is accepted, which put at risk the health, public safety or the environment, without the presentation of such activities is the pattern in which the asset would an organisation which is marketed.
Aimed at minors or minors in General to be contrary to the requirement of good faith, refine the marketing is considered, in particular, for the benefit of the minor's inexperience or if it will be used to develop appropriate multisectoral approaches, if it is liable to affect adversely the balanced development of the minor, or if it attempts to bypass the parents the opportunity to be fully involved in their children. Opposition to the requirement of good faith, the assessment takes into account the age of the minors, and development of marketing in General, the level of psychoactive substances, as well as other conditions.


section 3 (August 29, 2008/561) the unfairness of the procedure is regarded as unfair if it is: 1) in the course of trade in General contrary to proper practice to be approved; and 2) capable of clearly the worsening state of the consumer's ability to make an informed purchase decision or the decision of the consumer asset related to the other and lead to the fact, that the consumer makes the decision that he would not have taken without the procedure.
In particular, shall be considered unfair procedures, which are in breach of section 4 to 14.
If the procedure is aimed at a specific group of consumers, have to be given to the procedure from the point of this category. If the procedure is likely to diminish the decision-making of consumers who are particularly vulnerable to the influence of age, disability, or credulity, and the trader should have been reasonably understand to be given to the assessment of such a group, from the point of the procedure.


section 4 (August 29, 2008/561) Marketing identity Marketing is a clear indication of its commercial purpose as well as on behalf of whom it is marketed.


section 5 (August 29, 2008/561) danger of confusion comparative advertising or other marketing does not give rise to confusion between a trader and a competitor's trademarks, business names, other distinguishing marks, goods, if it is likely to lead to the fact that the consumer makes the decision to purchase or other consumption, of the decision related to an asset which he does without this kind of marketing should be done.


section 6 (August 29, 2008/561) the ban will give false or misleading information in relation to the marketing or customer may not provide false or misleading information, if the information is likely to lead to the fact that the consumer makes the decision to purchase or other consumption, of the decision related to an asset which he does without the information provided would have done.
False or misleading information may relate in particular to: 1 the existence of, access to, the consumption of the asset), the kind, quality, quantity, and other essential features;
2 the origin of the commodity, manufacturing), and the use of time, and the effects of the use of, as well as the results of the tests carried out for an asset;
3 the price of the commodity or its stated) criteria, special-interest and the terms of payment;
4) consumer durable managing time and the terms of delivery;
the nature of the procedure, 5) sales customer service after the conclusion of the contract and customer complaints processing;
6) the need for spare parts, repairs and maintenance and access;
7) the identity of the trader or his agent, the contact information, properties, and position in the market as well as those of their awards and recognitions;
8) trader's rights and obligations, including a commitment to comply with the obligations contained in the code of conduct;
9) consumer rights, obligations and risks.


section 7 (August 29, 2008/561) failure in marketing or customer relationship should not be omitted in such a context, taking into account the relevant information which the consumer needs a purchase order or other decision of the consumer related to an asset, and that is likely to lead to the fact that the consumer makes the decision that he would not have adequate information.
The assessment of the adequacy of the data to the data clarity, comprehensiveness and timeliness, is used in the device constraints, as well as the adoption of other measures in the relevant information to the consumer by the trader.
The information necessary for the health and safety of the consumer, is always given.


section 8 (30.12.2013/12) the disclosure requirements identified in the offer of consumer item in the offer of specific consumption of a commodity at a certain price marketing shall indicate the main features of the consumption of the asset: 1) to the extent that it is appropriate, taking into account the consumption of a commodity and used the message;
2 the name of the supplier, the geographical address of the) and, if the trader is a trader's agent or representative, the same information in his päämiehestään;
3 the total price inclusive of taxes, or for the consumption of the asset), if an exact price cannot be given, because of the nature of the asset price to be driven by the criteria of reasonable care;
shipping costs not included in the total price, if necessary 4) or, where these charges cannot reasonably be calculated in advance, the fact that such expenses can be caused by;
5) the performance of the contract, delivery, payment and customer complaints regarding the policies, if they are different from what the consumer is usually assumed;
6) the right to cancel or terminate the contract.


section 8 (a) (30.12.2013/12) prior to the conclusion of the contract information in addition to what the rest of the information to be provided for by law, the trader is in non-consumer goods consumer goods for home and at a distance before the conclusion of the contract provide the consumer, in a clear and comprehensible form, the following information, unless such information appear in context: 1) the main features of the consumption of the asset to the extent that it is appropriate, taking into account the consumption of a commodity and used the message;
2 the name of the supplier, the geographical location of the) address and telephone number of the person;
3 the total price inclusive of taxes, or for the consumption of the asset), if an exact price cannot be given, because of the nature of the asset price to be driven by the criteria of reasonable care;
shipping costs not included in the total price, if necessary 4) or, where these charges cannot reasonably be calculated in advance, the fact that such expenses can be caused by;
5 if necessary, payment, delivery, and more), the performance of the contract on the terms and policies concerning customer complaints;
6) an indication of the goods and, where appropriate, the indication of the statutory liability of the customer support options that apply to the error, be sure to after-sales service and warranty, as well as the conditions for them;
7. where appropriate, the duration of the contract or, if) the contract is valid for an indefinite period or it will continue automatically, for termination;

8) where applicable, the proper function of digital content, including the interoperability of hardware and software for digital content, insofar as the supplier of the to know he or she may reasonably be expected of it to know.
The provisions of this section shall not apply to: 1) immediately the duties inherent to daily consumer goods;
2) the agreement on the financial service or instrument;
trade or lease of immovable property 3) or any other agreement relating to rights in immovable property;
4) of trading law (843/1994) which falls within the scope of the agreement;
right-of-occupancy Housing Act 5) (650/1990) on the right of residence provided for in the agreement;
6) on Residential lettings (481/1995) the room referred to in the lease;
7) which falls within the scope of Chapter 10 of the agreement;
package tours Act 8) (1079/1994) which falls within the scope of the agreement;
the agreement on passenger services to 9);
10) agreement on lotteries (1047/2001) which fall within the scope of the service;
11) distribution machines or automated business mode for an agreement.


section 9 (August 29, 2008/561) a ban on the use of aggressive practices in marketing or customer in relation to the use of the procedure must not be aggressive.
Aggressive procedure is considered harassment, coercion and other kind of pressure on the consumer, which is likely to lead to the fact that the consumer makes the decision to purchase or other consumption, of the decision related to an asset which he does without the press would have done.
The procedure for assessing the aggressiveness of the account shall be taken in particular of: 1) the timing of the procedure, the place, the nature and duration of the mission;
2) the use of threatening or abusive language or behaviour;
3) to a person of the consumer aspects of adversity or other abuse, which impair the consumer's judgement;
4) agreement or by operation of law to obstruct the use of the consumer's rights are based on;
5) threat to take action according to the law, which are not allowed.


section 10 (August 29, 2008/561) delivery of the goods without any order in the marketing of consumer goods by providing the there may be offered to consumers without the express order and the return of an asset, or as required by the consumer fee, or any other action that may be appropriate.


section 10 (a) (30.12.2013/12) Additional fees prior to the conclusion of the contract, the trader shall seek the express consent of the consumer to any additional payments, which are not included in the consumption of the commodity, the aid should be recovered. Explicit consent is not considered the fact that the consumer has not rejected the choice of the trader's default fee.
If the consumer has not given his express consent for additional payment, he or she is under no obligation to it costs.


section 11 (29 August 2008/561), the consumption of the asset price is the price of ads may not be notified alennetuksi, any more than it actually is less than the price of a trader in the past heritage.


section 12 (August 29, 2008/561) combined offers and conditional purchase offers If the price offered in the marketing of consumer goods by common or so, that the purchase of the commodity may be at a reduced price of another asset or other special interest, marketing shall clearly indicate: 1) the offer of content and value, as well as the common price, in addition to the separate prices of goods offered, unless the price of the commodity separately acquired by criminal means and is not less than EUR 10;
2) offer in favor of the terms, in particular for the duration of the offer, as well as quantitative and other restrictions.


section 13 (August 29, 2008/561) Marketing Lottery criteria of clarity if the marketing is related to the sweepstakes, contests or games, and the conditions for participation shall be clear, understandable and readily available.


section 14 (30.12.2013/12) Phone your activity fees the trader may not be used on the telephone conversations of its commodity service, the fee for the use of the consumer price of in excess of expenses in accordance with his contract, his interface, or charges in excess of the contract price constructed the base price subscriptions.
The calculated base price is based on the vähimmäishinnoitteluun and market shares in telecommunications companies, price plus 20%. The CRA calculates and publishes the computational base price on an annual basis. Fixing the method of calculation and publication of which is prescribed by regulation of the Ministry of Justice in more detail.
If the supplier violates the provisions of this section, the consumer shall have the right to compensation referred to in subsection 1, the maximum price for the seller or supplier where the oft telephone costs.
The provisions of this section shall not apply to the agreement on the financial service or tool.


section 15 (August 29, 2008/561) for more detailed provisions in the Council of State regulation is necessary in order to give more specific provisions: 1) to the product labels and instructions for use into the consumption of the asset, as well as other consumer durable, quality, features, and the use of the information;
2 notification of the consumer in the marketing of commodity price);
3) of the European Parliament and of the Council concerning unfair business-to-consumer commercial practices in the internal market Directive 2005/29/EC for the implementation of annex I.


section 16 (August 29, 2008/561) Ban the trader may be, if it is necessary for the purpose of consumer protection, to prohibit the continuation of the provisions of this chapter or the regulations adopted pursuant to the procedure, the procedure or the operation of the kind or of an assimilated. Ban has stepped up the threat of a fine, unless it's for a special reason, not unnecessary.
The ban may be, if there is a particular reason to target the trader referred to in paragraph 1, or to any other who is working on his behalf.


section 17 (August 29, 2008/561) the imposition of a ban on the ban, which is the number of section 16, the market Court. The market Court can give a ban on the temporary ban will be in force until the matter is finally resolved.
The Consumer Ombudsman may impose a prohibition referred to in article 16, or give a ban for a temporary, depending on the race-and kuluttajavirastosta (661/2012) 10. (30 November 2012/684) section 18 (22 December 2009/1395), in some cases the Agency's ban on the Area regional government administration, the Agency may order that the prohibition provided for in article 16 in respect of a dwelling, or any other consumer commodity price, if the notification of acts contrary to the provisions adopted in non-compliance with the provisions of the law and the practice of this kind, there is an obvious fact is well established. The decision of the Agency may not be the regional appeal.
The prohibition referred to in paragraph 1, the trader may refer the decision to the decision of the Court within fourteen days of the market. Otherwise, the decision is permanent.
Regional State administrative agency may make the imposition of the ban was the purpose of the periodic penalty payment. The periodic penalty payment to be paid by the market Court condemns.
Before the regional government agency referred to in subsection 1, it shall be given to the trader an opportunity to be heard.
In imposing the ban on the area referred to in paragraph 1, the Management Board of the Agency is the adoption of the decision in writing and shall be served on the parties.


section 19 (August 29, 2008/561) control over the Ordering of the marketing action to correct the prohibition referred to in article 16, the market Court can impose a ban on receiving or who subscribes to or within the time limit of the trader who ran the marketing to deliver the marketing action, if it is obvious from the marketing by consumers is necessary. The order can be enhanced by the threat of a fine.


under section 20 (22 December 2009/1395) the procedures for the control of the marketing and customer with respect to the point of view of consumer protection, controlled by the Consumer Ombudsman.
The notification of the marketing of consumer commodity price control, the Consumer Ombudsman and the regional State administrative agencies.
The market law provides otherwise, the law on the right to start in the market (100/2013). (31.1.2013/133) Chapter 3 section 1 of the regulation of the terms of the contract, the trader shall not be used when providing the contract term, the consumer goods consumption of the commodity price and other relevant factors must be considered to be unreasonable, taking into account the point of view of the consumer.
If an Association of traders to draw up for the terms of the contract or commodity contracts to make recommendations or instructions to be used in conditions, the consortium shall ensure, that its conduct does not lead to the use of unfair terms in consumer's point of view. Article 2 (16.12.1994/1259) the trader may be, if it is necessary for the purpose of consumer protection, to prohibit the continuation of section 1 of the agreement on condition of, or renew a waiver of a judicial or quasi-judicial. An Association of traders can be similarly prohibit the continuation or operation contrary to article 1(2) of the procedure. Ban has stepped up the threat of a fine, unless it's for a special reason, not unnecessary. (16.12.1994/1259)

The ban may be, if there is a particular reason, aim also in the service of the person referred to in paragraph 1, or to any other trader, who works on his own account.


the prohibition of paragraph 3 of article 2, which refers to the amount of the market Court,. The market Court can also give the ban as a temporary, when the ban will be in force until the matter is finally resolved. (28.12.2001/1547)
The Consumer Ombudsman may impose a prohibition referred to in article 2 or to give the ban as a temporary, as provided for in the Act on competition and kuluttajavirastosta. (30 November 2012/684) article 4 of the agreement on terms and conditions of use for the Consumer Ombudsman monitors the level of consumer protection.
The market law provides otherwise, the law on the right to start in the market. (31.1.2013/133) in Chapter 4 of the agreement, mediation and interpretation of section 1 (16.12.1994/1259) (16.12.1994/1259) If the agreement referred to in this Act is the consumer of the application of erroneous, unreasonable or would lead to the condition may be adjusted or leave it. As a condition of the agreement is also considered a number of commitment of the consideration. The entire contents of the agreement will be taken into account when assessing the unfairness, the status of the parties, the prevailing conditions in the time of conclusion of the contract and, subject to section 2, subject to the conditions of the change from, as well as other factors. (15.12.2000/1072)
If the condition referred to in subparagraph (1) is such that the failure of the entry into force of the agreement in other respects unchanged due to the reasonable mediation is not a condition, the agreement may be, subject to section 2, reconcile, or it may be terminated.


2 section (16.12.1994/1259) If the agreement referred to in article 1 is prepared in advance, without that the consumer has been able to contribute to its content, is 1 for the purposes of article to the restrictions laid down in this article.
If the contract is concluded, the cases in the circumstances, it is not unreasonable, is assessing the unfairness later gets to the detriment of the consumer, having regard to the circumstances of the transformation.
If the condition of the mediation or of its failure to take into account concerns a condition contrary to the requirement of good faith, which will lead to a significant imbalance in the parties ' rights and obligations, to the detriment of the consumer, the contract cannot be adjusted in other respects. In that event, the agreement shall remain in force for the rest, if it can remain in force.


section 3 (16.12.1994/1259) If the agreement referred to in this Act is prepared in advance, without that the consumer has been able to contribute to its content, and the meaning of a term is created for the benefit of the consumer, uncertainty as to the criteria must be interpreted.


section 4 (16.12.1994/1259) if there is a disagreement as to whether the issue referred to in sections 2 and 3 of the agreement drawn up in advance in the condition, the trader has to show evidence.


section 5 (of 18 December 1998, 1999/416) reference of the law, on the basis of which the contract shall be governed by the law of a non-member country of the European economic area, is not to supplant existing in the State of the European economic area, in the absence of the provisions applicable to unfair contract terms, if they are protected by the consumer against unfair contract terms more effectively than on the basis of the law applicable to the choice.
Chapter 5 (5.1.1994/16) to the provisions of section 1 of the Public kuluttajankaupasta Kuluttajankauppa (30.12.2013/12) the scope of application of the provisions of this chapter, the Chapter for the sale of goods, which are sold by the supplier and the purchaser of the consumer.
The provisions of this chapter shall also apply to the production of the goods to your order. If the buyer's need for materials, shall be an integral part of the order, however, this chapter shall apply to the section instead of 23 to 28 in Chapter 8, article 23 to 31. This order shall apply to the addition to Chapter 8, article 14 and 32.
The provisions of this chapter, article 2, to 11, with the exception of subject goods in the auction, the buyer can take part in the sale in person.


section 2 of the Agreement (5.1.1994/16) in view of the condition, which is different from the provisions of this chapter, to the detriment of the buyer, shall be null and void, unless otherwise provided for below.


Supply of the goods and the risk of liability, section 3 (30.12.2013/12) to the supply of the goods, unless agreed otherwise, the goods shall be considered the buyer picked up there, where the seller at the time of the transaction was a commercial place. If the seller was not a trade-related business seats and not otherwise agreed, the seller must be sent or transported the goods to the buyer.
The goods are released, if the purchaser has control over it.
If the seller must install or collapsible/buyer by the seller, the goods shall be deemed to have been disposed of, however, for the purposes of the provisions concerning the delay only after the seller has complied with the obligations.
If the buyer is given the responsibility of the carrier for the transportation of goods proposed by the seller shall be deemed for the purposes of the provisions concerning the liability of risk have been disposed of only after the carrier has delivered the goods to the buyer.


section 4 (30.12.2013/12) date unless a higher limit is agreed upon, the goods shall be handed over or without delay or at a specified time, if required, it shall, without undue delay, and no later than 30 days after the conclusion of the said agreement.
If the buyer gets the credit or the suspension of the payment, the seller shall not be obliged to give up control of the goods until the buyer pays the purchase price.


section 5 (5.1.1994/16) the cost of the goods prior to release unless otherwise agreed, the seller is responsible for shipping costs and other costs to be incurred by the goods before it. However, this does not apply to costs which are due to the fact that the transfer has been delayed by the buyer's side for a reason.


section 6 liability Risk (5.1.1994/16) the transition to the seller shall be the responsibility of the risk of destruction, loss, deteriorate or decline the buyer reason prior to its release. If the buyer is not in time to get or receive stuff, which is considered to be a risk, however, they should have access to, the purchaser shall have the responsibility to ensure that the trade will deteriorate because of their intrinsic properties, after the seller has done what the donation from him.
If the goods are to be returned by the buyer to the seller for inspection because of an error message or an error for the adjustment, the risk of liability for the goods is the seller until the goods are delivered back to the buyer.
If there is agreement between open trade and the goods are released, the risk for the goods is the buyer until the goods have been returned to the seller.
If the risk is that the buyer and the destruction, loss, deteriorate or decline of the seller, the buyer is independent of reason, in spite of this, to pay the purchase price.


The delay in the transfer of goods, paragraph 7, of the penalties (5.1.1994/16), the right to withhold payment on the basis of the seller's delay, the purchaser shall have the right to withhold payment of the purchase price. The buyer does not, however, be allowed to withhold an amount of money, which obviously exceeds the requirements on the basis of the delay, to which she is entitled.


section 8 (5.1.1994/16), the right to demand a delay in the performance of the contract the goods the purchaser shall have the right to require the seller to the performance of the contract. The seller, however, is not obligated to fulfill the contract, if it is a barrier, that the seller will not be able to win, or if the performance of the contract would require sacrifices that are unreasonable compared to the importance of the performance of the contract to the buyer.
If an obstacle or dissonance to stop within a reasonable time, the buyer may, however, require that the seller fulfils the contract.
The buyer loses the right to require the performance of the contract, if he is delaying recognition of the disproportionately long for the presentation of the claim.


section 9 (30.12.2013/12) the demolition of the buyer to the seller as a result of this delay, you may not reverse engineer, decompile the trade if he has made to the seller within a reasonable additional period nor the seller have given up stuff for over a period of time. Within a further period set by the buyer shall be landed only to trade if the seller has refused to provide the goods within this time period.
The buyer may, however, declare the contract avoided as a result of this delay time of the seller, without the seller if: 1) is refused;
the supply within the agreed delivery period 2) is an essential, taking into account the circumstances of the conclusion of the agreement; or 3) the buyer has informed the seller prior to the conclusion of the contract, that the donation within a certain period of time or at a specific point in time is an essential element.
After the dismantling of the agreement by the seller pursuant to the agreement, shall be returned without delay to all paid.


section 10 (5.1.1994/16) in damages, the buyer has the right to compensation for the damage that he is suffering from as a result of this delay, the seller unless the seller to prove that the delay is due to his influence, as far as possible from the outside of the barrier, which he could not reasonably be required to have taken into account at the time of the transaction, and the consequences of which he is also reasonably could have avoided or overcome.
If the delay is due to the person, that the seller has used the contract or a part thereof, the seller is released from the obligation of compensation only if the person would be of the free responsibility. The same is valid, if the delay is due to the seller's supplier, or any other previous sales made.
However, the indirect damage resulting from the seller to the buyer is obliged to pay only, if the delay or damage due to negligence on his side. The object failed to be held:

1) loss of income, caused by a breach of the contract that the buyer or the resulting measures;
2) injury, due to other contractual obligation; the use of the goods and the loss of the benefits of substantial 3), which does not entail any direct financial damage, as well as other similar harm, which is an essential element.
If (3) the damage referred to in paragraphs 1 to 3, is caused by the limitation of other types of injury, it does not, however, in that regard, considered to be an indirect failed.
Similar to the right to compensation as the purchaser is a member of his family as a result of this delay, which is suffering from an injury.


section 11 (5.1.1994/16) notice of dissolution of trade and the claim if the goods have been handed over to departure, the buyer shall not be unloaded in the trade and to claim damages as a result of this delay, unless a supply of goods within a reasonable time, notify the seller that he or an intermediary that he declare the contract avoided or to require compensation. If the buyer the contract avoided, he, however, is not required to separately indicate the damage claim.


The characteristics of the goods and the error section 12 (5.1.1994/16) the provision of the goods, the General error is of the type, quantity, quality, other characteristics and pakkaukseltaan to respond to it, what can be seen as an agreed.
Unless otherwise agreed, the goods shall be fit for purpose for which: 1) such goods are normally used;
2) be fit for any particular purpose for which the goods were to be used, if the salesperson is at the time of the transaction, must have been aware of this purpose and has not, before the transaction informed the buyer that the goods may not be suitable for its intended use; (13 December 2001/1258)) to be consistent with the description provided by the seller on and respond to the characteristics of what the seller is referred to by presenting a sample or model; (13 December 2001/12) 4) be packed with its usual or otherwise, as appropriate, in a way, if it is necessary for the protection of the goods or the packaging; as well as 5) for resisting and otherwise to respond to it, what the consumer is usually a reasonable trade in goods.
The characteristics of the goods shall meet the provisions laid down by law, regulation or the requirements set out in the decision of the authority, except where the purpose is to use the stuff for the purpose for which this requirement is irrelevant.
If the goods are different from what 1-3 provides, it is an error. The buyer does not, however, be a mistake to rely on point, from which he must assume to have been unaware of the trade. The buyer may not be a mistake to rely on aspects of the manufacture of the goods, which is due to his need for the materials used, except if the seller's side has been negligent. (13 December 2001/1258), section 12 (a) (13 December 2001/1258), for the lack of documentation of the goods resulting from an error or if the installation or Assembly is included in the agreement on trade in goods and the goods were installed by the seller or anyone else on his behalf, any lack of conformity is also an error if there is a discrepancy between the result of an incorrect installation or configuration, provides in article 12.
Any lack of conformity in the context of the error, if it is not passed on to the buyer of the instructions which are necessary for the installation, Assembly, use of the goods, care or storage.


section 13 (13 December 2001/12), the information is Relevant for the goods is also an error if it does not correspond to the characteristics of the goods or use of the information, which the seller or someone else at an earlier stage, on behalf of the seller in the sales or marketing or otherwise, is made of the stuff before the transaction.
The seller is not responsible for the error referred to in subparagraph (1), if he proves that: 1) he was not and he should not have been be aware of the information;
2) data have not been able to have an effect on trade; or 3), the information is timely in a clear manner, been corrected.


section 14 (5.1.1994/16), as it is a condition Where the goods are sold "" as is "" or similar in the General reservations, shall be deemed to be an error, if: 1) the goods do not correspond to the information that the seller is before the transaction given its properties or the use of, and which can be expected to have affected the trade;
2) the seller is before the transaction information from the properties of the goods to the buyer failed to, or the use of an essential issue, that he must assume to have been unaware of and which the buyer reasonably could expect in the information, and can be expected to have affected the trade; or 3) are in worse shape than the buyer the price and other conditions, it is not justifiable. (13 December 2001/1258) section 15 (13 December 2001/1258) to point out the inaccuracy of the goods must be assessed in determining the date on the basis of what kind of goods are the responsibility of the risk characteristics of the transition from the buyer. The seller is responsible for any lack of conformity which is not at this time, even if an error occur only later.
The error is assumed to have been a risk to the buyer, if it occurs in the transition period of six months from this time on, unless it is shown otherwise, or the default is not error or contrary to the nature of the goods themselves.
If the condition worsens the risk of liability to the buyer, the goods shall be considered to be an error, if the deterioration is due to the seller's breach of contract.


15 (a) in the section (13 December 2001/1258) the importance of the guarantee if the seller has committed to match the condition of the goods or other properties for a specified period (warranty), goods shall be considered to be an error, if, during this time will deteriorate within the meaning of the guarantee. Liability does not, however, arise if the seller may it is made plausible that the deterioration of the item is because of an accident, improper handling of the goods or any other cause on customer's side.
If the warranty is provided by someone other than the seller or the seller's account at the previous sale, the goods shall be considered under the conditions set out in subparagraph (1) of the error again. The seller does not respond on the basis of the error in the previous level by the warranty, which he would not otherwise be liable under the provisions of this chapter, if the vendor indicates that a buyer in a clear manner before the transaction.
The guarantee shall be without prejudice to the liability provided for in this Act.


Article 15 (b) (13 December 2001/12) information on the guarantee the guarantee is clearly indicate: 1) the contents of the guarantee as well as the fact that the buyer is in accordance with the laws of the rights, and that these rights are not restricted by the guarantee; as well as 2) the period of validity of the warranty, and area, as well as other information necessary for the presentation of the warranty requirements.
At the request of the purchaser, the guarantee shall be made in writing or by electronic means, in such a way that the information could not be unilaterally changed, and that they are available to the buyer.
The purchaser shall have the right to invoke the warranty, even if it does not meet the requirements laid down in this article.


Error in the penalties section 16 (5.1.1994/16) the error message an error of the goods, the buyer shall not be relied upon unless they report a bug to the seller within a reasonable time after he has determined the flaw, or should have been discovered. The error message can be, however, always do within two months from the date the buyer encountered an error, and it can also be made to the trader, who has cared for on behalf of the seller to trade in or committed to the properties of the goods. (13 December 2001/12)
Notwithstanding the provisions of paragraph 1, to invoke the goods, the buyer gets an error, if: 1) to the seller's gross negligence or some and arvottomasti;
2) error is based on the fact that the goods do not meet the requirements, it is set to tuoteturvallisuuslain (914/86) in order to protect the health or property of other provisions or standards adopted; or 3) error is based on the fact that the goods are otherwise dangerous to health or property.

TuoteturvallisuusL 914/1986 is revoked on the safety of consumer products and L:lla kuluttajapalvelusten 75/2004. KuluttajaturvallisuusL 920/2011.



section 17 (5.1.1994/16), the right to withhold payment on the basis of the right to withhold payment of the purchaser's error, the transaction price. The buyer does not, however, be allowed to withhold an amount of money, which obviously goes beyond the requirements, on the basis of the rights that he or she has the error.


section 18 (5.1.1994/16) remedies the buyer has the right to require the seller to repair the goods or to correct an error. Such adjustment shall be carried out within a reasonable period of time and in such a way that the purchaser suffer costs or substantial impairment. The seller, however, is not required to correct the error, if it is a barrier, that he can not win, or if it would cause him undue expense. In particular, having regard to the importance and the value of the goods, if the error that would be in conformity with the contract, as well as whether the adjustment performed in any other manner without causing significant inconvenience to the buyer. (13 December 2001/12)
Even if the buyer does not require the correction of an error or the error-free stuff, the seller may, at its own expense to run such an adjustment, if he indicated an error without delay by the buyer will have to make the correction of an error, the buyer may refuse to. If it would cause him major inconvenience, the value of the goods or the risk of the buyer, or if the costs are chargeable to the refusal of other specific reason.

The seller is not allowed to rely on the fact that he has not had the opportunity to rectify the error referred to in paragraph 2, if the buyer is a korjauttanut error and, in the circumstances, cannot reasonably be required, that the buyer would not have to wait for the adjustment to the seller's side.


section 19 (13 December 2001/1258) the price and trading correct or demolition If a flawless delivery of out of the question, or, in the absence of such adjustment is carried out as referred to in article 18, the buyer will receive: 1) require error reduction corresponding to; or 2) unpack the trade, not only if the lack of conformity is minor.


under section 20 (5.1.1994/16) in damages, the buyer has the right to compensation for damage caused by the goods he is suffering because of an error. Article 10 3 and 4, however, the indirect damage referred to in paragraph seller is liable only in the event of an error, or damage due to negligence on his side, or if the goods are at the time of the transaction, the seller shall, in particular, of what was committed.
Similar to the right to compensation as the purchaser is a member of his family, who are suffering because of an error.


section 21 (5.1.1994/16) damage to the Product if the defective goods to the rest of the property damage than sold, the seller's liability shall apply to the provisions of section 20, if the damage is the use of the property, which has a direct connection to the goods sold.
If the seller performs compensation, under paragraph korvauksensaajan of the possible right to demand damage compensation, according to the German product liability Act (694/90), moves to the corresponding connection to the seller. What does article 10 of the law on product liability, also applies to the seller's right to compensation.
The provisions of this chapter shall not apply to damage caused by the characteristics of the person.


section 22 (5.1.1994/16) Other than the seller's liability if the goods is section 13 of the error, the information referred to in paragraph 1, the obligation to compensate for damage suffered by the buyer because of an error in the seller's liability shall apply to the above. (conduct/391)
If someone other than the seller is committed to correct the fault error or otherwise respond to the characteristics, the party giving the undertaking the obligation to compensate for damage suffered by the non-compliance to the purchaser of the undertaking shall apply by analogy to what the seller's liability provided above.


The obligations of the buyer and the buyer's breach of contract penalties pursuant to article 23 of the purchase price (5.1.1994/16) if the purchase price is not agreed, the buyer has to pay a price that is reasonable, taking into account the nature of the goods and the price at the time the trade fair features, as well as other conditions. If the seller is the stuff of the price or the price in terms of the way in the calculation of the level of intent at the time of the price data, which can be expected to have affected the trade in accordance with the information provided, the price is determined by the.


section 24 (5.1.1994/16) date of payment unless otherwise agreed, the buyer shall pay the purchase price to the seller, if it does not, however, before the goods are in accordance with the agreement, they should have access to.
The purchaser shall have the right, before the payment of the purchase price to inspect the conditions of trade normally or, as appropriate, if such examination is not incompatible with the method of payment for the transfer and agreed.
If payment is made by the Bank or by mail, the fee shall be considered by the seller in accordance with § 26 to 28 in assessing the rights to have taken place on the date on which the Bank or the post office is accepted by the buyer in the relevant payment order.


section 25 (5.1.1994/16) to cancel the order if the buyer breaches the contract by canceling the order of goods before release of the goods, the seller shall have no right to stay in the contract and to demand the payment of the purchase price. Instead, the seller shall be entitled to compensation for the damage caused to him in accordance with section 28.


Article 26 (5.1.1994/16) interest on delay in the payment of the purchase price by the buyer, the seller shall be, when the trade is cancelled or terminated, the legal interest rate in accordance with the Act (633/1982).


section 27 (5.1.1994/16) the seller's right to cancel the purchase if the buyer delays the payment of the purchase price, the seller may declare the contract avoided, if the breach of contract is essential.
If the seller has set an additional period of payment of the purchase price laid down, which is not an unreasonably short, and neither the buyer pay more over time, the seller may also declare the contract avoided. Within a further period set by the seller, the buyer may not reverse engineer, decompile, trade only to announce that he will complete the payment within this time period.
If the buyer has received the goods, the seller may declare the contract avoided only if he is arrested the right to it, or if the buyer rejects the goods. The seller's right to taking back the goods when the buyer of the condition has received a credit, provided for in Chapter 7.
The seller shall not be unloaded in the trade as a result of this delay of payment by the buyer, after the delayed payment has been made.


section 28 (5.1.1994/16) the seller's right to compensation if the seller as a result of this delay of payment by the buyer to extract trade before the buyer has received the goods or if the buyer cancels the goods in accordance with article 25 of the order, the seller shall be entitled to compensation for the costs to be incurred by him for the fulfilment and the conclusion of the agreement and which are likely to remain ineffective, as well as the dismantling of trade or cancellation due to the specific costs incurred.
The rest of the damage, seller shall have the right to receive compensation, which is reasonable, taking into account the price of the goods, the date of the termination or cancellation of the agreement, the measures taken in order to meet, as well as other factors.
According to the contract, the seller reserves the right to cancel or predetermined compensation whenever, therefore, is a valid, if the agreement is reasonable, taking into account that, according to paragraph 1 and 2, the seller would usually be right.
The seller shall not, however, have the right to compensation referred to in this article, if the buyer's payment delay or cancellation of the order is due to the provision of the laws of the general traffic, or in the cannot notify aborted, or other similar payments to the barrier, which the buyer could not reasonably be able to avoid or overcome.


The provisions of article 29 of the other kuluttajankaupassa (13 December 2001/1258), the application of the commercial code of the commercial code (355/1987) referred to in this chapter shall apply to trade in so far as the provisions of this law is not due to the change. The trade referred to in this chapter shall not apply to the sale of goods Act, what the article 13, section 15, section 20 (2) and (3), 24, 31 and 35, article, article 39, article 47, article 49, article 57, 58, 60, 63 and 73 of the section. What does the Trade Act, section 19 of the Act and section 37 of the Act provides, subject to the provisions of this chapter shall not apply to the auction. What does the Trade Act 68 and 69 of the seller's right to compensation for the difference in price, referred to in this chapter shall not apply to the trade. What does the Trade Act, section 76 (2) shall not apply in the case of huolenpitovelvollinen of the buyer. The seller is not the sale of goods Act, under section 75 and 78 have the right higher than provided for in this chapter, in section 28.


29 (a) section (13 December 2001/1258), the limitation on the kuluttajankaupassa Law Legal reference, reference, on the basis of which the contract shall be governed by the law of a non-member country of the European economic area, is not to supplant existing in the State of the European economic area, the provisions of the applicable law in the absence of kuluttajankaupasta, provided that they are protected by the buyer on the basis of the law applicable to the choice more effectively than.


section 30 (5.1.1994/16) the limitation of the Damages and compensation for affected Party of the mediation shall take reasonable measures to limit the mitigating. If he fails in this, he may actually suffer from a similar part of the damage.
Out on the basis of a breach of the contract for compensation may be adjusted if it is excessive, having regard to the reason for the breach of the contract, the other party a copy of any contribution to the injury suffered, assets, the price of the goods, the possibilities to foresee and prevent the damage, as well as other factors.
Damages, which the buyer shall be carried out in accordance with article 28, may be adjusted, in particular, if the late payment or cancellation of the order is due to payment difficulties which buyer has fallen victim to illness, unemployment or other special reasons, mainly omatta syyttään.


section 31 (5.1.1994/16) the level of liability of the earlier sales the buyer has the right to address an error based on the goods, in accordance with the provisions of this chapter, the claim also at the previous sale of the trader, who has given up the goods for resale.
The purchaser is not entitled to it under paragraph 1,: 1) if the error is born from the elinkeinonharjoittajasta an independent reason, after he handed over the goods;
2) to the extent that the requirement is based on the commitment from other than that of the trader, which puts the buyer in a better position than the provisions of this chapter shall be without commitment referred to; and 3) to the extent that the claim relates to a price reduction or repayment of the purchase price and exceeds the amount of what the trader's own party would have been able to claim on the same basis, if the terms of the agreement between the potential restrictive shall not be taken into account.

The buyer loses the right to claim under paragraph, if he does not report the error to the trader, or ladder, this does not make it difficult to get information on the error message in the sales section 16: (1) within the time allowed for the presentation of the claim and, if the buyer had access to the necessary information in the elinkeinonharjoittajasta. The buyer shall not, however, rely on an error, if the trader, which charge, gross negligence, or some, and the arvottomasti, or in the case of a section 16, subsection 2, paragraph (2) or (3) for the error. (13 December 2001/1258), section 32 (5.1.1994/16), the responsibility of the trader's error if the seller has used the performance of a contract to perform a professional and this is aided by the play an error, that's what 35 of Chapter 8 of the service to the Subscriber the right to the assistance of the contractor used by the trader to the requirements, apply by analogy to the buyer's right to claim the seller's assistance that can be used by the trader.
Chapter 6 (30.12.2013/12) home sales and distance sales section 1 (30.12.2013/1211), the scope of this chapter concerning the distance marketing of consumer goods and home sales.


section 2 (30.12.2013/12) limitations on the scope of application of the provisions of this chapter shall not apply to: 1) to the agreement on the financial service or instrument;
2 trade or lease of immovable property or to) change to the agreement relating to rights in immovable property;
3) housing trading law which falls within the scope of the agreement;
4. the Act on the right of residence within the meaning of the apartments) the right of residence on the agreement;
5) on Residential lettings rental agreement within the meaning of the Act;
6) subject to the provisions of Chapter 10 of the agreement;
7) package tours Act which falls within the scope of the agreement;
8) agreement on lotteries which fall within the scope of the service;
9) the distribution of images with the agreement of the business, or in an automated mode;
10) paid the public phone operator to the agreement;
11) agreement, which relates to the supply of foodstuffs and other basic necessities to the individual consumer's residence or workplace on a regular basis to work in the distribution system.


section 3 (30.12.2013/1211), some of the limitations of the scope of the provisions of this chapter on the sale of the home for sale at home does not apply if the consumer price of the commodity is less than 30 euros. If, at the same time, at one time sold more goods to the total value of at least EUR 30, or if the contract is for the supply of goods or the provisions of chapter, however, repeated, shall apply.
The provision of the service at the place where the trader arrives at the consumer's express request, the provisions of chapter home sales do not apply to: 1) to the agreement on social services;
2) agreement, which relates to a health care professional to the consumer in order to assess the State of health of health services provided by this, in order to maintain or restore.


section 4 (30.12.2013/12) the application of the provisions of the law applicable to contracts relating to certain services of passenger transport services only section 12 's 2 and 3 as well as article 25.
In the case of a phone run at one time, for which the contract is created immediately by the consumer connects to the ISP, from 2 to 4, article 12 of the competition act as well as sections 13 and 14 do not apply.


section 5 (30.12.2013/12) in view of the contractual term, which differs from the provisions of this chapter, to the detriment of the consumer, shall be null and void, unless otherwise provided for below.


section 6 (30.12.2013/12) Home for sale on definitions related to home sales agreement means an agreement that is made or in respect of which the offer to the consumer makes the premises while at the same time the presence of the parties. Home sales agreement also referred to as the agreement, which shall be made on: 1) the premises of the supplier, or etäviestimellä immediately after, when the consumer is taken personally, individually, which is not a business; or 2) the trader by organizing information campaigns, which have as their object or effect the provision of consumer goods to the consumer.
Offices: 1) solid sales of the place where the supplier provides the goods permanently or seasonally;
2) portable sales to be the place where the trader is offering consumer goods normally, or seasonally.


section 7 (30.12.2013/12) definitions relating to distance marketing of Etämyyntisopimuksella means the distance sales or service-provision scheme to do a consumer product, which will be done without at the same time, that the parties are present and which is only used in one or more means of distance.
Etäviestimellä refers to the phone, e-mail, television, the Web and other media, which can be used for the conclusion of an agreement, without that, the parties are at the same time.


section 8 (30.12.2013/12) other definitions in this chapter, the following definitions shall apply: 1) ancillary contract "means the agreement relating to the home or etämyyntisopimukseen consumer goods by the trader or by a third party to provide such third party and the supplier on the basis of the contract or other arrangement between;
2) provision of information in person, in writing or in a durable manner, by electronic means in a way that allows him to store and reproduce information unchanged.
3) digital content transmission by electronic means of transmission of the information supplied in digital form and by downloading, streaming or in any other similar manner.


section 9 (30.12.2013/12) before the conclusion of the information to be provided prior to the conclusion of the home or etämyyntisopimuksen, the consumer shall be provided with the following information: 1) the main characteristics of the commodity, to the extent appropriate, taking into account the consumption of a commodity and used the message;
2 the name of the trader);
the geographical address of the trader is established, as well as 3), if a trader works as an agent for another trader or a representative, the name and the geographical address of his principal;
4) trader's telephone and fax numbers, and e-mail address, if they are available;
5) the geographical address of its Office of the supplier to which the consumer may address any complaints, if the address differs from the address referred to in paragraph 3, as well as, if the trader is a trader's agent or representative, the same information in his päämiehestään;
6 the total price inclusive of taxes, or for the consumption of the asset), if an exact price cannot reasonably be calculated in advance, due to the nature of the asset, the price to be driven by the criteria;
7) where applicable, the commodity price not included in the delivery and other charges or, where these charges cannot reasonably be calculated in advance, the fact that such additional charges may arise;
the conclusion of the agreement in advance by 8) the use of means of distance communication, where it will be charged to the seller;
9) fee, delivery and other terms relating to the performance of the contract and, where appropriate, policies concerning customer complaints;
10) where applicable, the conditions for exercising the right of withdrawal, the time limits and procedures;
11) where applicable, an indication that if the consumer cancels the contract, he must meet the cost of returning the goods, as well as the amount of the cost of your return in distance contracts, also, if they do not, by their very nature, non-refundable in the normal way by mail;
12) information to the effect that, if the consumer exercises his right of withdrawal after having referred to in subsection (1) of article 15 of the request, he has to pay the trader referred to in paragraph 1 of article 19;
the absence of a right of withdrawal, where appropriate, the fact that 13) or the circumstances in which the exercise of the right of withdrawal may be losing;
14) an indication of the goods of the responsibility for regulatory oversight of error;
15) where applicable, an indication of the customer, after-sales services and warranty, as well as the conditions for them;
16 the existence of codes of conduct and, if necessary,) an indication of the information about how you can obtain a copy of any of them;
where appropriate, the duration of the contract, or, 17) if the contract is valid for an indefinite period or it will continue automatically, for termination;
where appropriate, the minimum duration of the consumer's obligations under the agreement, 18);
19), including, where appropriate, information on the financing of the measures necessary for the enforcement of any of the trader to the consumer and the conditions applicable to them;
20) where applicable, the digital content, including the interoperability of hardware and software for digital content, insofar as the supplier of the to know he or she may reasonably be expected of it to know;
21) data and ways to refer the dispute to be referred to the terms and conditions or any other similar body.
The auction, which the consumer can take part in more ways than etäviestimellä, of the information referred to in paragraph 2 to 5 can be replaced with the corresponding information in the auction of the managing body.

If the consumer has a right of withdrawal, according to the home or etämyyntisopimuksen, he has, in addition to the information referred to in point (10) of paragraph 1, be given the right of withdrawal form. Under paragraph 1, the information referred to in paragraphs 10 to 12 can be used to give a right of withdrawal, see Help. Withdrawal form and the instructions of the Ministry of Justice provides for the form and content of the regulation.


section 10 (30.12.2013/12) information to be provided to the consumer, some of the other Phone on sale at the beginning of the debate, inform the supplier must immediately telephone name and, where applicable, the name of the person on whose behalf he acts, as well as the commercial purpose of the call.
Web sites with activities in Commerce, shall be communicated in a clear manner on the possible limitations of the delivery of the order procedure starts, at the latest, as well as of the means of payment will be accepted.


section 11 (30.12.2013/12) advance provision of information to the home for sale Home for sale the information referred to in article 9, as well as the right of withdrawal in form and instructions to be provided to the consumer in a clear and comprehensible form, on paper or, subject to the agreement of another durable medium.


section 12 (30.12.2013/12) the provision of advance information, the distance, the distance, the information referred to in article 9, as well as the withdrawal form and instructions shall be provided, or make them available to the consumer in a manner etäviestimelle a clear and comprehensible form. If the data or the form or help will be given in a durable manner, shall be easily readable form.
If the agreement by electronic means to the consumer sets the obligation to pay, the consumer shall be informed of the section 9, paragraph 1, sub-paragraph 1, 6, 7, 17 and 18 of the elements referred to in a clear way and immediately before the consumer makes their orders. The trader shall also ensure that a consumer expressly accepts the payment associated with the order.
If the trader has not complied with paragraph 2, at the consumer's express approval, no agreement shall be binding on the consumer. If the consumer wants to rely on the sitomattomuuteen of the contract, he shall so inform the trader, but not later than one year after the conclusion of the said agreement. If the contract expires the consumer's call it sitomattomuuteen, the trader shall without delay, and no later than 30 days after the date of receipt of the payments it receives from the consumer to return the return of goods.
If the contract is concluded by means of distance, which allows limited space or time to display the data, prior to the conclusion of the contract, the trader shall inform the device for at least 9 sections 1, 2, 6, 7, 10, and the information referred to in paragraph 17.


section 13 (30.12.2013/12) strengthening of the Home sales data, the trader shall provide the consumer with a copy of the signed contract agreement confirmation, or with the consent of the paper or on another durable medium.
Distance selling, the trader shall provide the consumer with the confirmation of the conclusion of the contract within a reasonable time and no later than the etämyyntisopimuksen release of the goods at the time of or before the execution of the service is started. The confirmation shall be indelible and shall include all the information referred to in article 9, as well as the withdrawal form and, unless the trader has communicated these to the consumer in a durable manner in the past.
If the digital delivery of content by electronic means shall be initiated before the end of the withdrawal period, confirmation will also contain a section 15 of the prior approval as referred to in sub-section 2, and on the impact of consumer notification the prior informed consent for exercising the right of withdrawal.


section 14 (30.12.2013/12), the right of withdrawal, the consumer shall have the right to withdraw from the home, or in a form of a right of withdrawal or by giving written notice to the other etämyyntisopimus unambiguous manner the trader not later than 14 days after the service of the contract or the conclusion of an agreement in the digital content to be submitted by electronic means, in a trade agreement or in the last date of receipt of the consignment of the goods, or, in the case of a supply of goods, the date of receipt of the consignment, the first regular.
Where the trader has failed to give the consumer the first sentence of article 9 of the information referred to in paragraph 10, the right of withdrawal shall expire 12 months after the expiry of the period referred to in paragraph 1 or, where the supplier fixes the lack of time during this period, 14 days after the day on which the consumer was given this information.
If the supplier offers the consumer the opportunity to announce the cancellation via their website, the trader must inform the consumer of the right of withdrawal of the notification of the arrival of the delivered in this way without delay.


section 15 (30.12.2013/12) the execution of the service before the end of the withdrawal period other than the provision of digital content can be started before the end of the period of any right of withdrawal, if the consumer has made this request. Home for sale in the request must be made in a durable way.
The digital delivery of content by electronic means can be used to start before the end of the withdrawal period, if possible, the consumer has expressly given their prior consent.


section 16 (30.12.2013/12) the restrictions on the right of withdrawal, unless otherwise agreed, the consumer may not exercise the right of withdrawal provided for in article 14, if: 1) the service is fully performed or electronic transmission of digital content has been started before the end of the withdrawal period referred to in article 15 of the consumer, the request or consent of the consumer has been informed of the absence of a right of withdrawal in this case;
2) commodity price depends on fluctuations in the financial market, to which the trader has no control and which may occur in the course of cancellation;
3) the agreement applies to the stuff that is produced, or that is being varied in accordance with the requirements of the consumer, or clear your personal needs;
4) agreement covers stuff that can deteriorate or expire rapidly or which, by its very nature, is inseparable from the intermingled with the other goods after communication with;
5) sealed delivered, which is not due to health or hygiene reasons cannot be recovered, is opened;
6) the agreement applies to spirits, with the price of which has been agreed upon conclusion of the contract, which may be submitted not earlier than 30 days and that the actual value will depend on fluctuations in the market, to which the trader has no influence;
7) the agreement applies to the urgent repair or maintenance work in a place where a trader will arrive at the express request of the consumer;
8) sealed delivered an audio or video recording or computer program is opened;
9) the agreement is for a single newspaper or magazine, or also on the submission;
10) the contract is concluded in the auction, which the consumer can take part in more ways than etäviestimellä;
the provision of accommodation, 11) the agreement for any purpose other than the purpose of residence, the transport of goods, car hire service, restaurant service, or free-time service and the performance of the contract is required on a specific date or within a specific period.


section 17 (30.12.2013/12) where a consumer withdraws from a Credit restore home-or etämyyntisopimuksen, you must return the goods received without delay and not later than 14 days after the withdrawal of the notification, unless the trader has committed to collect the stuff for yourself. The consumer must respond to the immediate costs arising from the return of the goods, unless the trader has committed to them. He has a right not to pay the expenses referred to above, where the trader has failed to report them, provided for in section 24 (1).
If the sale of the goods have been delivered to the consumer's home to the home in the context of the conclusion of the contract, the trader shall, however, be picked up at the goods at its own expense, if the goods are not, by their very nature, non-refundable in the normal way in the mail.
The trader shall without delay, and not later than 14 days after the receipt of the notice shall be returned to the supply from the consumer, with the exception of the additional costs incurred by the trader to the consumer from choosing other than offered by the choice of the standard delivery method. The supplier shall, however, have the option offered, until he has received the goods back or until the consumer has shown that they are sending back the goods, unless the supplier is not obliged to pick up the stuff yourself.
The supplier shall be obliged to supply for payment received in a way that was used in the original transaction by the consumer, unless the consumer has expressly so agreed. The return of the supply shall not entail any cost to the consumer.


section 18 (30.12.2013/12) the responsibility for the received goods if the consumer receives the goods, he must keep it essentially unchanged and undiminished until he is determined to keep the goods.
However, since the introduction of the goods, if the consumer cancels the contract, he will have to respond to it. The stuff is not considered to be taken, if the consumer has been dealing with stuff just as it is necessary for the proper functioning of the nature, characteristics and.

The consumer does not correspond to the value of the discount, if the trader has failed to give the consumer the first sentence of article 9 of the right of withdrawal referred to in paragraph 10.


section 19 (30.12.2013/12) the compensation before the cancellation of the service performed If other than the provision of digital content is started before the end of the withdrawal period, the consumer's right of withdrawal in the event of the adoption of the Declaration of the right of withdrawal is to be paid by the contract for the provision of reasonable compensation for the trader.
The right of withdrawal, the consumer shall not, however, the liability to make payment in whole or in part during the service, where the trader has failed to give him under section 9, 10 or 12, or if the supplier of the information referred to in paragraph is started during the performance of the contract of a right of withdrawal without 15 of the consumer within the meaning of subparagraph (1) of section explicitly requesting it.


under section 20 (30.12.2013/12) the preservation and restoration of the goods, in some cases, if the trader is the home for sale in a duty to pick up the goods in the event of withdrawal the consumer is the consumer's trust, be considered as received at the place where the trader is a trader of goods available is provided or on which a trader can hankaluudetta to pick it up. The consumer shall inform the trader of the place from which the goods are actually available.
The consumer's responsibility for the preservation of the goods on behalf of a trader to stop two months after the date of receipt of the goods. The consumer receives the goods, free of charge, unless the trader in that period of time get stuff, unless it is manifestly disproportionate to the trader's point of view.


section 21 (30.12.2013/12) credit or insurance for reasons beyond the control of the contract if the consumer cancels home-or etämyyntisopimuksen, a plugin for the credit or insurance contract will be cancelled without the imposition of measures.
The cancellation of the insurance contract by the linked credit or credit-or insurer shall without delay, and no later than 30 days after the cancellation of the agreement after receiving the returned to the consumer of the information received. The insurer's right to require payment to the policyholder prior to the liitännäisvakuutuksen of the insurance cover provided for in the insurance contract governing from the law (543/94) 45.


section 22 (30.12.2013/1211), for reasons beyond the control of the consumer's domicile or etämyyntisopimuksen, other than those referred to in article 21, shall be cancelled, without acceding to the measures. The consumer shall not be subject to cancellation on the basis of article 17 to 19 may, along with the costs of other costs.


section 23 (30.12.2013/12) in the interest of the consumer the right to interest on account of late payment, in situations where the price or other payment shall be obliged to return the trader or the credit or the insurer does not have a 12, 13 or 21 of the act within the time provided for in return, what the consumer has paid the interest Act, provides for.


section 24 (30.12.2013/12) Penalties for infringement of the provisions of some of the century if the trader has not given prior to the conclusion of the contract the consumer under section 9 (6), (7) or those referred to in paragraph 11 of the extra costs or other cost information, the consumer has no obligation to pay them.
If it is to be submitted electronically to the digital content of the contract, the consumer shall not be required to pay for the service in whole or in part, if: 1) the delivery of digital content is started any time during the period of withdrawal without 15 of the consumer within the meaning of section explicit prior consent;
2) the consumer has not received notice of the fact that in giving consent, he will lose his right of withdrawal; or 3) the trader has failed to provide the consumer with the confirmation referred to in article 13.


section 25 (30.12.2013/12) Penalties for infringement of the provisions of chapter, in addition to the provisions of this chapter provides for penalties, the trader, who violates the provisions of this chapter, may be, if it is necessary for the purpose of consumer protection, to prohibit the continuation of such a procedure, or renew it or similar procedure. The imposition of the ban, and the stepping up of the fine provided for in Chapter 2 and 3.
6 (a) in the figure (21 January 2005/29), the distance marketing of financial services and financial instruments section 1 (21 January 2005/29) concerning the scope of This chapter, when the supplier provides to the consumer: 1) the deposit, or customer accounts;
2) maksujenvälityspalveluja;
3) credits or the mediation;
4) insurance or their transmission;
5) funds or other securities, which are subject to the securities market law, 6) the brokerage or investment services, 7) investment advice; or 8) other financial services or financial instruments.
What is referred to in this chapter, provides financial services, also applies to financial instruments.


2 section (21 January 2005/29) to limitations on the application of the provisions in certain cases, if the distance between a seller or supplier and a consumer concerning the execution of similar financial services to be performed or repeated, the provisions of this chapter shall not apply to the supply of specific services based on the contract.
If the same parties to repeated similar financial services, from 5 to 11 of this chapter shall apply only to the first article in the Treaty. However, article 5 to 11 shall apply, if the period of the contract has passed a longer period of time than one year.


3 section (21 January 2005/29) in view of the contractual term, which differs from the provisions of this chapter, to the detriment of the consumer, shall be null and void.


4 section (21 January 2005/29) for the purposes of this chapter, the definitions of the Etämyynnillä financial service offered by a consumer under an organized etätarjontamenetelmän, with that of the preceding the conclusion of an agreement, and the marketing of the exclusive use of one or more means of distance.
Etätarjontamenetelmällä refers to the marketing or sales, which is organized so that its main objective may be regarded as agreements in advance by.
Etäviestimellä refers to the phone, e-mail, television, computer network or other instrument that can be used for the conclusion of an agreement, without that, the parties are at the same time.


section 5 (21 January 2005/29) the obligation to provide information prior to the conclusion of the contract, in addition to what the rest of the Act provides for the disclosure obligations are to be given to the consumer in good time before conclusion of the contract referred to in articles 6 to 9 of the information to be provided for the financial service, elinkeinonharjoittajasta, etäsopimuksesta and legal remedies. The information shall be used for the etäviestimeen in an appropriate manner, in a clear, understandable, and so, it is clear that the commercial purpose of the data.


section 6 (21 January 2005/29) preliminary data elinkeinonharjoittajasta Elinkeinonharjoittajasta shall be provided with at least the following information: 1. the name and address of the principal activity, geographical area) in the State of establishment, as well as the geographical address of the seat of the customer relationships to manage.
2) a branch or other representative of the consumer has his habitual residence in the State, and a branch or a representative of the geographical address of the place of business where customer relationships are managed;
on behalf of a broker or trader 3) agent of the name, the geographical address of the seat of the customer relationships to manage, as well as the nature of your activities, the representation of the time, when the consumer's dealings are with the broker or agent;
4) where a trade or other similar public register, the trader might have been marked as well as the trader's business and community identification number, or equivalent means of identification in that register;
5) the particulars of the relevant supervisory authority, if the activity requires a permit or registration.


7 section (21 January 2005/29) preliminary data for the financial service for the financial service shall include at least the following information: 1 a description of the definition of financial service);
2 fees, allowances and the consumer) other total number of charges, including taxes, or, if an exact amount cannot be indicated, the basis of assessment of the costs;
on the possible disposal of the profit tax 3) Note, transfer tax and the corresponding acquisition of financial service-related taxes or public charges, of which the trader is aware and which the consumer may be required to carry out, in addition to the costs to be paid to the trader referred to in paragraph 2;
4) payment of the costs and performance of the contract arrangements;
5), selected in advance by using the means of distance communication, where it will be charged to the seller;
6) where appropriate, a statement that the financial service may be related to the loss of the resources invested in risk or any other special risk, as well as the fact that the earlier the price or the value of the performance is no guarantee of future development;
7) any restrictions on the period for which the information provided.


section 8 (21 January 2005/29) preliminary data etäsopimuksesta Etäsopimuksesta shall be provided with at least the following information: 1) on the right of withdrawal, or the fact that it is not according to the law;
2) the withdrawal period, the amount of the compensation, that the consumer may be due to withdrawal of the demand, or compensation for, if the precise amount of the compensation cannot be indicated, as well as any other conditions governing the exercise of the right of withdrawal and guidelines;

3), termination if the contract is for the financial services to be performed or repeated;
4) possible, the right to terminate or rescind the contract, or to fill in the contract on the basis of the terms of the law or the contract prematurely and the consequences of these measures;
5) which, in accordance with the law of the State of advance information is provided;
6) and, where applicable, any conditions of the law applicable to the contract and the competent court;
7) in which language, or languages, the consumer can get prior information and the terms of the contract as provided for in article 11, and in what language or languages, the supplier undertakes to use during the contractual relationship.


section 9 (21 January 2005/29) prior information on the legal remedies of the legal remedies shall be provided with at least the following information: 1) are available to the consumer out-of-court redress procedures and, if so, the methods for having access to it;
2) such as a consumer, you are protected by guarantee funds or other compensation arrangements which are not based on the law of the European Community.


section 10 (21 January 2005/29) prior information on the sale of Telephone sales to the consumer as soon as the phone is at the beginning of the debate, inform the trader's name, the name of the person, as well as to discuss with the consumer and the commercial purpose of the call.
The trader does not need to over the phone give all 6 of the information referred to in article 9, if the consumer explicitly agrees to it. In this case, the consumer is informed that he may wish to learn more about the types of information is. The following information is, however, always be provided: 1) with the consumer to discuss the person's relationship to the trader, such as whether he is a trader or an agent acting on behalf of this, the rest of the agent or broker;
2 description of the definition of financial service);
3 the consumer financial service fees), the total number of payments and other charges, including taxes, or, if an exact amount cannot be indicated, the basis of assessment of the costs;
on the possible disposal of the profit tax from 4) Note, transfer tax and the corresponding acquisition of financial service-related taxes or public charges, of which the trader is aware and which the consumer may be required to carry out, in addition to the costs to be paid to the trader referred to in paragraph 3;
5) information on the right of withdrawal, or the fact that it is not according to the law;
6) the withdrawal period, the amount of the compensation, that the consumer may be due to withdrawal of the demand, or compensation for, if the precise amount of the compensation cannot be given, and the other conditions for exercising the right of withdrawal and help.


section 11 (21 January 2005/29) preliminary data and the provision of the terms of the contract in writing or on another durable medium prior information and terms and conditions shall be delivered to the consumer in good time before conclusion of the contract in person, in writing or by electronic means, in such a way that the consumer is able to store and reproduce them. The same applies to the information that the trader shall provide the consumer, in accordance with the provisions of law before the conclusion of the agreement on financial services.
If the contract is concluded at the consumer's request using a means of distance, that the information and the terms of the contract as referred to in paragraph 1 is not possible to give a durable medium before the conclusion of the contract, the information and the terms and conditions shall be provided in a durable manner without delay after the conclusion of the contract.
During the contractual relationship the consumer is entitled, at his request, to receive the contractual terms and conditions on paper.


section 12 (27th/746) a right of withdrawal, the consumer shall be entitled to cancel the contract by giving notice to the trader within 14 days of the date of the conclusion of and later, from the day on which the consumer has received prior information and terms and conditions.
Paragraphs 1 and 14 to 16 of the withdrawal of the agreement, shall not apply to consumer credit and insurance. Consumer credit do not apply, under section 13. The consumer's right of withdrawal from the kuluttajaluottosopimus and costs provided for in Chapter 7 of the kuluttajaluotto early. Policyholder's right to cancel and terminate the insurance contract provided for in the insurance contract Act (561/1994).
Notwithstanding the provisions of article 2, paragraph 1, and 14 to 16 of section 13 (1) of the torque applied to pawn shops the institution credits.


section 13 (30.12.2013/12) the agreement on the distance marketing of Financial Services for the cancellation of the rest of the distance event to the consumer in the event of cancellation of the main agreement, if the same trader also offers liitännäispalvelun. Also, if the non-acceding to the canceled due to liitännäispalvelun of the main agreement made between a trader and a third offering between them on the basis of the contract or other arrangement.


section 14 (21 January 2005/29) to limitations on the right of withdrawal the consumer may not exercise the right of withdrawal provided for in article 12, if: 1) in the case of financial services or the cost or value of the instrument depends on the changes in the financial market outside the supplier's control; or 2) they have already fulfilled their contractual obligations in its entirety at the express request of the consumer.


section 15 (21 January 2005/29) before the cancellation of compensation service if the consumer cancels the contract, he may claim compensation from the service in accordance with the agreement, which the trader is actually completed before withdrawal. The compensation shall not exceed the amount resulting from the services referred to in the contract, by comparing the service in its entirety.
If the trader has not informed the compensation or its bases in advance or if he has started in the performance of the contract, without the consumer's express request, the consumer does not have to be replaced by a service.


section 16 (21 January 2005/29) to restore the consumer without delay and Performance no later than 30 days after the sending of the notice shall be returned on the basis of the payments received by the trader all the pain of withdrawal and other property, that would otherwise lapse. The consumer may, however, abstain from fulfilling its obligation to our own recovery, until the trader's own corresponding obligations.
The trader shall without delay, and no later than 30 days after receipt of the notice of withdrawal on the basis of the agreement, return to the consumer any sums received. On account of the performance can be used to reduce the compensation, which, according to article 15 of the trader is entitled to recover from the consumer prior to the cancellation of service.


section 17 (21 January 2005/29), the limitation on the Legal references Legal reference, on the basis of which the contract shall be governed by the law of a non-member country of the European economic area, is not to supplant existing in the State of the European economic area, the provisions of the applicable law in the absence of the distance marketing of financial services, provided that they are protected by the consumer on the basis of the law applicable to the choice more effectively than.


section 18 (21 January 2005/29) the consumer's right to change your means of distance used during the contractual relationship, the consumer has the right to use other means of distance than what he was used by the time of conclusion of the contract, if the use does not conflict with any other device of the contract or the nature of the financial service.
Chapter 7 (27th/746) Kuluttajaluotot General provisions section 1 scope of application of the (27th/746) this chapter provides consumption loans. Kuluttajaluotolla shall mean the credit, according to the agreement, which the supplier (lender) grants or promises to grant to a consumer a loan as the Commissioner responsible for economic, maksunlykkäyksenä or any other arrangement.
For the purposes of the provisions of this chapter, the kuluttajaluottoon shall be treated as a rental or any other kind of agreement, under which the goods are delivered to the consumer's control and under the terms of the cash price of the goods and that credit costs will have been purchased under the terms of the lease period or which the consumer can otherwise become the owner of the goods at the end of the agreement.
To continue the use of an extension of the credit shall be treated for the purposes of the provisions of section 40 of the tag, which gives an account, or other financial services or the use of the financial instrument. In this case, the trader shall apply to the provisions relating to the creditor, who has worked with the extension of the agreement to the consumer.
The provisions of this chapter shall not apply to: 1) to the kuluttajaluottoon, from which there is no interest or any other charge;
2. an agreement is based on the credit of) the consumer has the right to pay the price of the commodity to be delivered continuously by means of instalments during the period of validity of the contract;
3 the credit institution to grant) pawn shops;
4) instituted by the law on the social (1126/2002), in the form of credit.


section 2 (27th/746) the restrictions on the application of the provisions in the case of loans, as well as the chain of payments relating to the current accounts of the agreements to a demand deposit account associated with the kuluttajaluottoon according to the terms of the contract relating to the credit, that time is not more than three months, or the credit has to be repaid on demand, does not apply to article 3, article 8, paragraph 1, sub-paragraph 3 – 5 and 3, sections 9 to 12, the first subparagraph of article 13 (2), 17, 18, 20 and 23 of the Act, section 24:2-4 torque , 25, 27-32, 36-39 and 47;

Just a 5-7, section 47, 50 and 51 shall apply to kuluttajaluottoon, by the grantor of the credit's current account balance or permitted by the border crossing without that it is expressly agreed between the parties.
The consumer's payment as the payment arrangement contract, a task which is not favourable to the consumer than the original conditions of the credit agreement, does not apply to sections 9 to 12.


section 3 (27th/746) the restrictions on the application of the provisions of this chapter, in some other cases, sections 9, 10 and 11, section 13, subsection 2, paragraph 4, and article 14 and 17 shall not apply to the kuluttajaluottoon, where the credit period is up to three months, which is not subject to the interest rate and the cost of the other, the interest rate of the credit that are converted to the actual year does not exceed the interest Act (633/1982): the amount of interest referred to in paragraph 1. Ongoing credit is, however, subject to sections 14 and 17. (15.3.2013/2007)
This article in chapter 15 and 16 shall not apply to the hyödykesidonnaiseen time credit. This in the articles in Chapter 20, sections 21 and 28 shall not apply to the housing credit, not only in providing this type of credit in the case of distance sales or home for sale.
18 of this chapter and of article 39 shall apply only to the hyödykesidonnaiseen credit and only 36 to 38 of the hyödykesidonnaiseen in the form of credit for the acquisition of goods.


section 4 (27th/746) the relationship between the law of the payment service of the payment Services Act (290/2010) do not apply to credit agreements falling within the scope of this chapter 24, sections 30, 31 and 40.
The payment services act to prevent the use of a payment instrument referred to in this chapter shall apply instead of article 32 of the payment Services Act, section 57.


section 5 (27 August 2010/746) in view of the contractual term, which differs from the provisions of this chapter, to the detriment of the consumer, shall be null and void.


section 6 (27th/746) credit costs and the annual percentage rate of charge for credit costs, for the purposes of this chapter, as a result of the kuluttajaluottosuhteen known to the creditor, the consumer's interest, costs and other payable fees to the consumer; credit cost shall be calculated by the credit agreement related to the cost of insurance and other additional services, if the service of the conclusion of the agreement is a prerequisite for obtaining the credit to obtain it on the terms and conditions.
Credit cost does not include: 1 the value of the collateral securing the required residential loans) insurance costs;
2 the running of the cost of the credit to the account), if the opening of an account is optional and costs must be specified in the agreement;
as a result of any breach of this Agreement) of the consumer to pay for future charges.
4) the notarial fees.
Annual percentage rate of charge, for the purposes of this chapter, the exchange rate, which is calculated by adding the cost of credit expressed as an annual percentage of the amount of the credit repayments. The method of calculation of the annual percentage rate of charge and the Ministry of Justice provides for the regulation to be used in calculating the assumptions.


section 7 (27th/746) other definitions in this chapter, the following definitions shall apply: 1) continuous credit advertisements, which is the agreed credit limits available to consumers without a separate credit the creditor continuously;
2) time on credit more advertisements than the ongoing credit;
3. for the purpose of obtaining credit consumer durable, hyödykesidonnaisella) for the acquis, which the supplier of the seller or the service provider is in favor of the seller or the supplier or the supplier with a contract or other consumer credit provision, on the basis of the arrangement;
4) housing loan advertisements, which will be awarded on residential housing estate for the acquisition of the shares or qualifying for the management of the community or to obtain a residential building, which is located in properties on the territory of, or by virtue of the right to use the unmanaged on residential, housing estate or residential building renovation and management of the Community shall be eligible for the guarantee on residential, residential real estate, or of the license;
5) hire purchase trade the kind of sale of goods, which, according to the price of the agreement is carried out by means of instalments, one or more of which is due after the goods have been handed over to the consumer (buyer), and where the supplier (seller) has reserved the right to take back the goods, either, if the buyer fails in her duty of fulfilment of the Treaty, or of the ownership of the goods until the entire payment of the price, or at least some of those very items that are due for the goods after delivery of the have been completed;
6) credit intermediary to change the trader as the creditor, which presents or offers credit agreements to consumers, assist consumers in making the credit agreement, or otherwise, or on behalf of the creditor of the credit agreements with the consumer;
7) provision of information to the consumer in a durable manner in person, in writing or by electronic means, in such a way that the consumer is able to store and reproduce them.


Reporting obligations of section 8 (27th/746) Kuluttajaluoton advertising Kuluttajaluoton advertising is provided the information to the annual percentage rate of charge, if the borrowing rate or other loan occurs on the advertising cost figure or other credit agreement. In addition, advertising is in this case, the following information: 1) the borrowing rate and other credit costs;
the amount of credit or the credit limit 2);
3) the duration of the credit agreement;
the cash price of the asset and any 4) down payment, in order to finance the purchase of one product, if it is a credit to the extra-terrestrial;
the total cost of the credit and a credit of 5) and the number of installments.
The annual percentage rate of charge and the other information referred to in paragraph 1 shall correspond to the normal conditions offered by the creditor.
If the conditions for obtaining the authorization of the credit to the mainostetuin is that the consumer makes an agreement on insurance or other additional services, and for the cost of such a service to be set up in advance, together with the credit of any such requirement in advertising shall be informed of the annual percentage rate of charge.


section 9 (27th/746) the information to be provided prior to the conclusion of the credit agreement, in addition to what the rest of the Act provides for the disclosure obligations of the creditor and credit intermediary shall provide in good time prior to the conclusion of the credit agreement, the consumer in a durable way the standard European kuluttajaluottotiedot "form using the information in the following circumstances: 1) to the lender;
2) provide credit, credit costs and repayment of the credit;
3) luototettava commodity;
4) breach of contract;
under the law of the consumer's rights, 5).
The housing loans and less than 100 euro hyödykesidonnaisissa time in the case of prior information to the form instead of the given also on another durable medium. The advance of the information and the form shall state by means of a Council regulation.


section 10 (27th/746) prior information on the phone on sale in addition to the 6 (a), section 10 (1) and (2) the provisions of paragraph 1 and paragraphs 3 to 6 of the preliminary information, the creditor for the distance selling and credit the retailer shall provide the consumer, the information to be provided by credit line, credit sales, telephone costs and repayment, as well as luototettavasta for the asset. Information down further government regulation.


section 11 (27th/746) a number of other provisions relating to the advance reporting if the contract is concluded at the consumer's request using a means of distance by phone or other, that the standard European kuluttajaluottotiedot "the form cannot be provided in a durable manner prior to the conclusion of the contract, it shall provide the consumer, in a durable manner without delay after the conclusion of the contract. Similarly, housing loans, and less than 100 euro hyödykesidonnaisissa time in the case of prior information is provided to the consumer without delay after the conclusion of the contract or in another durable medium, if the contract is concluded at the consumer's request using a means of distance by phone or other, that the information will not be given to a durable medium before the conclusion of the contract.
In addition, the consumer shall, on request and free of charge a copy of the draft credit agreement. The transmission distance, the terms of the contract provided for in Chapter 6 (a).


section 12 (27th/746) on the sideline of the exemption for credit intermediaries What 9-11 of the credit intermediary's obligation to provide the consumer with information, in addition to the credit does not apply to the päätoimensa intermediate seller and does not service provider.


The creditor's obligation to act in a responsible manner in section 13 (15.3.2013/207) Good lending way to the creditor is lending to proceed in a responsible manner.
In particular, that the creditor: 1) does not promote credit in such a way that marketing is likely to clear the worsening state of the consumer's ability to consider the inclusion of the credit;
2) does not use the granting of the main marketing tool from doing any of the other consumer goods;
3) does not use the credit in respect of the marketing of the credit relationship, the granting of or relating to the text of the message service celebrates five years at an additional cost, or other similar message service;
4) provide to the consumer before the conclusion of the credit agreement, sufficient and clear explanations to evaluate its suitability for the credit to the consumer's needs and to his financial situation.

5) gives the consumer the late payment situations, information and advice in order to prevent the creation or deepening the difficulties of payment and insolvency situations, and is responsible for payment arrangements.
And (2) of subsection 1, paragraphs 1 to 4 shall also apply to credit intermediaries. The provisions of paragraph 4 of article 2, shall not apply, in addition to the seller of the credit intermediary and päätoimensa service provider.


section 14 (15.3.2013/207) the obligation to assess the creditworthiness of the consumer before the conclusion of the credit agreement, the creditor shall assess whether or not the consumer to fulfil his obligations under a credit agreement (kuluttajanluottokelpoisuus). Assessment shall be carried out in the consumer's income and other economic conditions on the basis of sufficient information.
If the parties agree to an increase in the amount of the credit to a later date or as a line of credit, the creditor must ensure that the consumer of the information relating to the timeliness and amount of credit or the credit limit, if significantly increased, to assess the consumer's creditworthiness before any increase.


section 15 (27th/746) the verification of the identity of the Creditor of the credit applicant is the identity of the applying for the closure of the verify credit before the kuluttajaluottosopimuksen carefully. If the identity is authenticated by electronic means, the creditor must use the recognition which meets the strong electronic identification and electronic signatures Act (619/2009) the requirements laid down in article 8.
If the creditor has already authenticated the identity of the consumer within the meaning of subparagraph (1), the identity of the consumer can be verified him as ensitunnistamisen the personal identifier.
In addition to the customer are valid, what is the prevention of money laundering and the financing of terrorism and how to determine whether the Act (503/2008).


section 16 (27th/746), the obligation to keep the information relating to the verification If the prevention of money laundering and the financing of terrorism and how to determine whether a given act, the lender shall keep the data on the basis of which the identity of the consumer who has applied for the credit has been established for a period of five years from the time the credit is due in its entirety. The dispute arose in the credit agreement on the verification of the information must, however, be retained until the thing is or been resolved.


Release of the funds of the credit agreement and section 17 (27th/746) credit agreement Kuluttajaluottosopimus shall be made in writing and a copy shall be given to the consumer. The agreement can also be done by electronic means, in such a way that the consumer is able to store and reproduce the agreement unchanged.
Kuluttajaluottosopimuksessa: 1) of the parties to the agreement, the details of the credit;
2. the information referred to in article 9) of the elements;
3) the other;
4. the conditions governing the exercise of the right of withdrawal) information;
5 termination of the credit agreement, and any other data) in terminating;
6) information on access to justice and the settlement of supervisory authority.
With regard to the information provided for in the agreement of the Council of State regulation in more detail. The consumer is not allowed to charge interest or fees for credit on the basis of the ratio, which, in the absence of agreement the agreement referred to in subparagraph (1).


17 (a) of section (15.3.2013/2007) the interest rate cap For the amount of credit or the credit limit is less than EUR 2 000, in accordance with the credit agreement, the credit to the annual percentage rate of charge may not exceed the rate provided for in article 12 of the laws of the reference interest rate plus 50 percentage points. However, this article shall apply to the Hyödykesidonnaiseen credit only if the consumer has a credit agreement the right to raise funds.


section 18 (27th/746) a ban on having a consumer on the basis of the claim at issue may not be running the commitment Kuluttajaluottoon to take the consumer's Bill of Exchange commitment will not change the commitment to transfer or pledge to limit the right of a consumer to make a trade, or as a result of the conditions of employment of the commitment in good faith to the possession of specific claims. Such a commitment should not be taken from a person living in common household with the consumer.
What States does not apply to the Bank's own established by the Bill of Exchange.
That, contrary to paragraph 1, take the Bill of Exchange or the running of the undertaking, should not rely on it. The debtor's right to the assignee any defence of the claims laid down separately.


section 19 (27th/746), the limitation on the extradition of time If the funds of the acquis is applied for, and it will be awarded to the 23 's and 7 's, to be carried out on the basis of the credit agreement, the consumer only at 7. The provisions of this section shall not apply to ongoing credit a line of credit.


The cancellation of the credit agreement under section 20 (27th/746) a right of withdrawal, the consumer shall have the right to withdraw from the kuluttajaluottosopimus by giving written notice to the lender in a durable way on the conclusion of the agreement or within 14 days from the date of the subsequent designation, the date on which the consumer has received in accordance with article 17 or 45 of the song containing the data of the credit agreement, in writing or by electronic means.
If the consumer cancels the contract, he may claim compensation for the period of the borrowing, the credit is not available to him. If the lender is paid to the authorities following the conclusion of the credit agreement, nor shall such payments in the event of withdrawal, the creditor is entitled to compensation from the consumer also such charges. The interest rate or fees may not, however, be required if the amount of the payment or the interest rate and payments, or, if the amount of the interest rate may not be the criteria for determining the advance to announce it was not notified to the consumer.
The consumer has a right of withdrawal, without delay, but no later than 30 days after the date of dispatch of the notification received under the credit agreement, the creditor to return the funds, as well as to be carried out in accordance with paragraph 2, the compensation for the risk of withdrawal would otherwise lapse. The consumer may, however, abstain from fulfilling its own obligations until payment of the lender to fulfill your corresponding obligations.


section 21 (27th/746) not subject to the agreement for the Kuluttajaluottosopimukseen of this in the event of cancellation of a credit agreement is not binding on the consumer, if the lender also offers liitännäispalvelun. In addition, acceding to the consumer is not bound by it or subject if the third agreement between the creditor and the third offers a liitännäispalvelun, or on the basis of the rest of the organisation.
If the consumer wants to keep in spite of the cancellation of the credit agreement for the force, he has to inform the lender within 30 days of the dispatch of the notification of withdrawal.


section 22 (27th/746) special provisions relating to distance selling (30.12.2013/12), on the other hand, article 20 provides for the amount of compensation, the creditor has the right to demand compensation for the credit the annual percentage rate of charge for the period in which the credit is not available to the consumer, if the consumer in distance contracts, cancel: (15.3.2013/2007) 1) the mortgage contract or loan agreement which are secured by mortgages on residential property fixed mortgage or home-equity of the companies Act (1599/2009) referred to in article 2 of the housing stock of the company or any other company's shares or other community contributions or the right of residence, or be treated as listed above in the State of the European economic area, the equivalent collateral;
2) credit agreement, which is less than EUR 200 or more than EUR 75 000;
3) a credit agreement, which is related to the demand deposit account, and under the terms of which the credit period is for a period not exceeding one month;
4) under the terms of the credit agreement, the credit period is up to three months, which is not subject to the interest rate and the cost of the other, the interest rate of the credit that are converted to the actual year does not exceed the interest rates referred to in article 4 (1) the amount of the interest rate;
5) a credit agreement, which is granted by an employer to his employees as a secondary activity, credit free of interest or at annual percentage rates of charge lower interest rates;
6) a credit agreement, with which the investment firm or the credit institution to grant their client a credit investment process to carry out service.
The creditor shall, in the cases referred to in subparagraph (1) without delay and no later than 30 days after receipt of the notice of withdrawal on the basis of the agreement, return to the consumer any sums received. On account of the performance may, however, reduce the amount of the annual percentage rate of charge for credit.
The consumer shall, without delay, and no later than 30 days after the sending of the notice shall be returned to the lender under the credit agreement, the withdrawal of the funds received, at the risk of otherwise lapse. The consumer may, however, abstain from fulfilling their obligation to return, until the creditor meet his own corresponding obligations.

4 L:lla 30.12.2013/1211 is repealed.



The consumer's right of access to information in the course of the credit agreement, section 23 (27th/746) the consumer's right to be informed, on request, an amortisation table


If the kuluttajaluottosopimus is done according to the terms of the debt for a fixed period and shall be reduced in increments, the creditor shall provide the consumer, in the course of the contractual relationship, free of charge, the abbreviation table each time upon request of the latter. However, the creditor is entitled to reasonable compensation for the payment of the cost of providing, in the case of a mortgage credit and consumer requests shortening the table more often than once a year.
The amortisation table shall indicate the payments, as well as the periods and conditions relating to the payment. Each payment shall be specified in such a way that it appears separately in the capital amortisation, the interest rate and other charges. If the amount of interest or other payments according to the terms of the credit agreement to change, the table shall indicate, in addition, that the data it contains are valid only until such time as such changes in accordance with the credit agreement.


section 24 (27th/746) interest and fees in the terms may be agreed that the changes to the Kuluttajaluottosopimuksen of the credit is repaid with an interest rate changes in the agreement, in accordance with the reference interest rate changes identified. The reference rate applicable shall be made available to the public and should be based on the lender's unilateral control over independent factors. Interest rate changes must be implemented equally and consumers in a non-discriminatory manner.
The consumer shall be informed of any changes in the interest rate. Change the notification shall also state the amount of the instalment after the change in the interest rate and, if the number or frequency of the payments changes, for up-to-date information. Housing loans to the consumer instead of the number of items to be given to the last is the payment date for up to date information.
The information referred to in paragraph 2 shall be provided to the consumer prior to the entry into force of the amendment. If the information concerning the new reference rate is made public in a proper and they are also available at the premises of the creditor, the data can be, however, gives the consumer the contract on the basis of the amount of time, but at least once a year.
As a result of the credit agreement, charges may be amended only as set forth in the agreement. Changes to the disclosure of the charges applied, paragraphs 2 and 3, under the interest rate changes.


section 25 (27th/746) obligation to the credit agreement, the creditor's rights under a credit agreement, if the transition to a third party, the transfer shall be notified to the consumer. There is, however, no obligation, if the original creditor after the transfer works as a representative of the new creditor to the consumer.
The kuluttajaluottosopimuksesta due to the creditor's rights have been transferred to the application of the provisions of this chapter, be treated in the same way the creditor.


Repayment of the credit and the termination of the credit agreement, section 26 (27th/746), targeting the consumer has the right to determine what shall be reduced to the same creditor claims his awarded more.


section 27 (27th/746) the consumer's right to pay kuluttajaluotto before its maturity, the consumer has the right to pay all or part of the maturity of the credit to the kuluttajaluotto before.
If the consumer pays the credit or the part of the creditor's claim is premature, the remaining part of the reduced credit costs, which is to use the remaining credit at the time. However, the creditor may recover in full the credit agreement identified the real costs incurred relating to the establishment of the.


section 28 (27th/746) the creditor's right to compensation for early repayment, the creditor is entitled to compensation to the consumer for this premature are subject to credit or part of it, if the interest rate on the credit is not bound to a reference interest rate (fixed rate).
The compensation shall not exceed 1% of the amount of credit in the amount of takaisinmaksetun, or, if at the time of the early repayment to the end of the credit agreement is less than one year, the amount of the credit to the sides of the% takaisinmaksetun. As compensation shall not, however, exceed the amount of the early repayment and the interest rate charged agreement between the end of the period.
The right to compensation is not, however, if: 1) credit is paid back prematurely during the past three years, to a maximum of EUR 10 000.
2. pursuant to the security of the loan repayment insurance); or 3) repayable credit is based on the demand deposit account associated with the credit agreement.


section 29 (27th/746) compensation for the right to housing in the case of loans the lender may charge for early payment of the compensation for housing credit, if credit is granted more than EUR 20 000 and the borrowing rate is fixed, or the basis of the reference rate is at least three years.
As compensation for a reduction in the interest rate the lender may charge up to the result of the defeat of the left in the kiinteäkorkoiselta of the credit period or the reference interest rate for the period of the operative event. The provisions of the financial control to provide more accurate method for calculating the loss.


section 30 (27th/746) the constant terms of the termination of the agreement at any time during the contractual relationship, the consumer may terminate the constant terms of the agreement as soon as the period of notice, unless the parties have agreed to. The requisite notice to the consumer shall not agree on months longer.
The lender may terminate the credit agreement on the basis of continuing the terms of the agreement. The requisite notice to the creditor may not agree on two months. Such declaration must be delivered to the consumer.


section 31 (27th/746) Irtisanomistilanteessa fees the lender may not charge a consumer a fee of constant terms of the termination of the agreement. The consumer is required to pay fees under a credit agreement on a regular basis only to the extent that they relate to the entry into force of the dismissal of the previous time. If the consumer has paid such expenses in advance, the lender must return them to the extent that it relates to the period after the entry into force of the dismissal.


32 section (27th/746), the creditor the right to suspend the consumer's right to use the terms of the credit agreement, the continued credit, it may be provided that, on the basis of the agreement, the creditor is entitled to terminate the consumer's right to use the said continued credit. The basis of good lending practice.
The creditor shall inform the consumer of the right to use, and of the reasons for the cessation of permanent way in advance. If the abolition of the right to use immediately in order to prevent the damage, or it is necessary in order to limit the abuses or, after the abolition of the Declaration can be made without delay.
The Declaration is not allowed to do, if it is in the rest of the law.


33 section (27th/746), the penalties of a breach of the contract If the consumer lending rate is according to the agreement, the right to the consumer as a result of the delay of payment or other breach of the contract to require payment, which, by the way, is not overdue, having been sold to trade back or bring into force other special sanction, the creditor may rely on what passes for Justice, if the payment is delayed for at least a month, and still is. If this is a one-time credit, shall be subject to, in addition, that the delay in an amount equal to at least 10% or, if it is included in more than one instalment, at least 5% of the amount of the credit from the original size of the residual claim of the creditor or understand. In order to finance the purchase of the asset, in the case of a granted credit, the percentages referred to above are calculated using the price of the product. The lender may rely on the right of the consumer, if the meaning of the rest of the breach of contract is essential.
Notwithstanding the provisions of paragraph 1, for late payment, the creditor is entitled to enforce the sanctions agreed upon entry into force, if the payment is delayed for at least six months and it is still the essential extent.


Article 34 (27th/746) Social performance barrier for the creditor does not have the right to enforce the penalty referred to in section 33, if the issue is the delay due to late payment and the consumer's illness, unemployment or other unauthorised own point to it, unless the duration of the delay, and other circumstances, this should be taken to the lender to be manifestly unreasonable.


Article 35 (27th/746) Eräännyttäminen If the lender requires payments that would otherwise have not fallen due by the calculation of these payments, the creditor of the claim must be reduced by the portion of the cost of credit, which is to use the remaining credit at the time. However, the creditor may recover in full the credit agreement identified the real costs incurred relating to the establishment of the. Unused credit for the period from the entry into force of the time expiration.
Credit expiration may come into force not earlier than four weeks or, if the consumer has in the past been noted for the delay or any other breach of contract, breach of warranty, no sooner than two weeks after the date on which the Declaration has been lodged or sent due to the consumer. If the consumer during this period to pay the amount of delayed or rectify the rest of breach of contract, the expiration will expire.


36 section (27th/746) from the settlement If the lender takes back the goods, between him and the consumer shall send the settlement.

The value of the goods when settling for the benefit of the consumer is to read it back. The value provided for, depending on what the seller can be expected to be, when the goods are sold in an appropriate manner, and, where appropriate, in moderation after repair. The value of the fine, regard shall be had in the agreement mentioned in the cash price, and how long it has been in the management of the consumer goods and how it has been taken care of.
For the benefit of the creditor must read: 1) the part of the credit, in accordance with article 35 § 1 of the net;
interest on past due items in 2);
taking back the goods, 3) costs necessary creditor and the creditor must be carried out in order to obtain the payment of the goods;
4) the creditor to obtain maintenance, rehabilitation or of the goods if the creditor has the right to the goods as a result of the arrest warrant.
If the value of the goods declaration has been detected at a figure higher than the quantity that is to be read for the benefit of the creditor, the creditor is not entitled to get the stuff back, unless he run for the consumer or, if the bailiff has submitted an assessment of the goods, the difference between the deposit of this over '. If the value of the goods is less than the quantity that is to be read for the benefit of the creditor, the creditor does not have the right to require, in addition to the goods, any more than the difference between them.
If the consumer performed at one time, the amount of the claim, that the benefit of the creditor, the must read, she gets to keep the goods. If the consumer does not make use of this right and the lender has taken back the goods, the buyer has the right to still run within 14 days of the date of the creditor of the amount claimed, the trade which is estimated to recover it when taking the difference, if any, of which the creditor has the right to demand.


Article 37 (27th/746) the creditor shall have the right to apply for assistance the assistance of the ulosottomieheltä in order to take back the goods, if the hire-purchase agreement has been concluded within the meaning of subparagraph (1) of article 17, and it is said: the parties to the credit agreement 1) data;
2) data luototettavasta product and its delivery;
3. the information to be provided, the cost of credit to the credit) and the repayment of the credit;
4) the other;
5 the conditions for the exercise of the right of withdrawal) information;
the termination of the credit agreement, and 6), the information from the rest of the termination;
7) information on the penalties of a breach of the contract;
8 the rights conferred under the law), the information to the consumer;
9) information on hire purchase to make the competent authority;
10) information on access to justice and the settlement of supervisory authority.
The assistance of the location of the place of employment, or of the goods shall be requested to the consumer's place of residence or seat of the ulosottomieheltä. The application shall be made in writing and shall inform the creditor required in accordance with the third paragraph of article 36. The application shall be accompanied by the hire-purchase agreement.
The assistance is to be given only if it is quite obvious that the lending rate is 33 and 34 of the right to take the goods back. The assistance shall not be given if a consumer may be the probability that he or she is due to a breach of the contract by the seller of the goods the right to withhold payment of the purchase price.
Hire-purchase agreement with regard to the information provided in more detail by the State by means of a Council regulation.


38 section (27th/746) a number of other provisions relating to the hire-purchase to the provision of aid in the Bill, and on the basis of the claim at issue other than hire purchase, ulosmittaukseen shall apply to the addition to the hire purchase Trade Act (91/1966) provided for in article 9 and article 11 to 19.


The provisions of section 39 of responsibility (27th/746) joint and several liability of the seller or service provider (s), the creditor and the consumer, which is the right to withhold payment or to get a price for a refund, compensation or other financial performance from the seller or service provider as a result of this breach of contract, is this right, but also the creditor, which is funded by trade or service. The lender is not required to pay to the consumer any more than is received.
If a seller to take back the goods, or in the case of trade agreements between the seller and the consumer would otherwise dismantled, the consumer can rely on are outside the United States for settlement or for the dismantling of the readmission of the trade rahoittanutta of trade creditor. The consumer does not have such a right, if: 1) the lender is in time for the consumer, in a clear way that the seller has not informed the call-right or any other right to impose the agreement and, if the subject is according to the law, be registered in the trade trade, the owner in the register of the creditor; or 2) the creditor may have been unaware of the restriction of the rights of the seller, the consumer would otherwise indicate.


section 40 (27th/746) the responsibility of the consumer to the credit card or any other unauthorized use of the continuous use of an extension of the credit to the consumer, who has made continuing the terms of the agreement with the creditor, is responsible for the use of the credit card or the use of the law of unjust enrichment giving rise to the credit only if: 1) he or any other holder of the use of the tag have been released by the label oikeudettomalle;
2. the disappearance of the tag, the second being unjustly) or use is due to the negligence of his or any other holder of the tag; or 3) he or any other holder of a neglected to inform the creditor of the tag the tag loss, the use of another means of unjust enrichment or misappropriation of, without undue delay, it found.
The consumer is responsible for 1 of the 2 and 3 in the cases referred to in paragraph concerning the use of the tag to a maximum of up to € 150. This restriction shall not apply, however, if he has acted intentionally or with gross negligence.
The consumer does not, however, responsible for the unauthorized use of a tag: 1) to the extent that the tag has been used since then, when the creditor is notified of the loss of the tag, the use of another means of unjust enrichment or misappropriation of;
2) if the creditor has failed to ensure that the holder of the tag has a chance to fulfil their obligations under paragraph 1 in accordance with paragraph 3; or 3) if the seller or a service provider or as a representative of these is taken against the holder, the tag is not properly ensured the right to use the tag.
The consumer is responsible for the unauthorized use of the tag (3) without prejudice to, if he has intentionally made a false declaration or acted otherwise fraudulently.


Specific provisions relating to section 41 credit types (27th/746) prior information on A demand deposit account according to the terms of the agreement, which kuluttajaluotosta the credit period is up to three months or the credit has to be repaid on demand, the creditor and credit intermediary shall, in addition to what the rest of the code provides for the obligation to submit information to, the information provided to the consumer prior to the conclusion of the credit agreement on the following points: 1) to the lender;
2) provide credit, credit costs and repayment of the credit;
3) breach of contract;
under the law of the consumer's rights, 4).
What provides prior to the conclusion of the contract information shall also apply, if a lender makes payments to the consumer as a result of the difficulties with this payment arrangement contract, which is not favourable to the consumer than the original conditions of the credit agreement.
Information down further government regulation.


Article 42 (27th/746) advance provision of information to the phone If a consumer requests by phone that gets immediate access to article 41, paragraph 1, referred to in subsection 6 (a), of the credit to the consumer shall be provided in section 10, and (2) 1 and the information referred to in paragraph 3 to 6, as well as the information to be provided credit and its repayment. Information down further government regulation.
What the first paragraph shall also apply where the consumer by phone calls to section 41 (2) of the arrangement for payment referred to in the agreement.


43 section (27th/746) communication of information in a durable way The prior information referred to in article 41 shall be provided to the consumer in good time before conclusion of the contract for specific types of kuluttajaluottotiedot in the form of a credit on the European or on another durable medium, at the choice of the creditor or credit intermediary. The form provides more detail on the Government's regulation.
If the contract is concluded at the consumer's request using a means of distance by phone or other, that the information will not be provided in a durable manner prior to the conclusion of the contract, the creditor shall be indelibly in accordance with section 45 of the information as soon as possible after the conclusion of the contract.
In addition, the consumer shall, on request and free of charge a copy of the draft credit agreement.


44 section (27th/746) on the sideline of the derogation for What credit intermediaries article 41 to 43 of the credit intermediary's obligation to provide the consumer with information, in addition to the credit does not apply to päätoimensa, however, the intermediate vendor or service provider.


45 section (27th/746) demand deposit account associated with the credit agreements in the form of demand deposit account associated with the credit agreement, which, according to the terms of the contract relating to the credit period is up to three months or the credit has to be repaid, if required, shall be made in writing, and the consumer must be given a copy of the agreement. The agreement can also be done by electronic means, in such a way that the consumer is able to store and reproduce the agreement unchanged.

The agreement shall specify the information on the following points: 1 the parties to the contract);
2) provide credit, credit costs and repayment of the credit;
3) the right of withdrawal.
With regard to the information provided for in the agreement of the Council of State regulation in more detail. The consumer is not allowed to charge interest or fees for credit on the basis of the ratio, which, in the absence of agreement within the meaning of subparagraph (1).


46 section (27th/746) the disclosure requirements for credit to the account's current during the period of the agreement, the creditor shall on a regular basis by a permanent statement of account, to provide the consumer with the following information on the use of the credit's current account: 1) to the period of time for which the statement of account relates;
2) transactions together with the date thereof;
3) preceding the date of the statement ending balance and;
4) new balance;
5 the number of payments made by the creditor and the consumer) dates;
6) interest rate and any other charges levied;
7) the minimum amount that the consumer must carry out debt repayable.
The consumer shall be informed of any changes in the interest rate and other charges in a durable way before the entry into force of the changes. If the change in the borrowing rate is caused by a change in a reference rate, the terms of the credit agreement can be agreed, that the information to be given to the consumer within the meaning of subparagraph (1), account statement, provided that the information concerning the new reference rate is made public and that they are also available at the premises of the creditor.


Article 47 (27th/746) demand deposit account disclosure obligations relating to the agreement if the demand deposit account is not related to the conclusion of the credit agreement, but it's current account provider may, at its sole discretion, in some cases, the grant of credit in the consumer's current account balance by authorizing the crossing, the current account agreement shall state the criteria for determining the interest rate on the overdraft interest, and interest on, and any other terms, as well as the overdraft charges other and the conditions under which those charges may be changed. In addition, this information must be provided to the consumer on a regular basis.
If the consumer's current account balance has exceeded substantially and the crossing has been going on for more than one month, the creditor shall inform the consumer, in a durable manner, the following information: 1) on your account balance has been attained;
2) the amount of the excess;
3) interest;
as a result of a breach of the contract 4) charges for other charges.
Paragraphs 1 and 2 is exceeded, the account balance under current demand deposit account associated with the credit agreement also applies to a line of credit.


Some of the credit intermediary's obligations under section 48 (27th/746) the powers of the notification of the marketing of the credit intermediary shall inform its powers to pass on to mortgage borrowers, there is, in particular, make it known whether he is an agent for a particular or certain creditors or as an independent broker.


49 section (27th/746) the fees to be levied for the consumer to the consumer prior to the conclusion of the agreement on the credit mediation shall inform the permanent service.
Credit intermediary has the right to receive payment from the consumer only if the consumer is notified in accordance with paragraph 1, the payment has been agreed with the consumer, in writing or by electronic means, in such a way that the consumer is able to store and reproduce the agreement unchanged.
The amount of the payment, the credit intermediary shall inform the creditor of the credit to calculate the annual percentage rate of charge.


The control section 50 (27th/746) Sanctions on the creditor and the credit intermediary, which violates the provisions of this chapter, may be, if it is necessary for the purpose of consumer protection, to prohibit the continuation of such a procedure, or renew it or similar procedure. The imposition of the ban, and the stepping up of the fine provided for in Chapter 2 and 3.


section 51 (27th/746) supervisory authorities shall monitor the compliance with the provisions of this chapter, the Consumer Ombudsman, competition and the Consumer Agency, under the district administration and the regional government agencies, as well as the financial control at the time when the creditor is the financial control of the monitor. (30 November 2012/684)
The supervisory authorities shall cooperate with each other in the most relevant. Communication at the request of the supervisory authority, the Agency shall make the monitoring of compliance with section 15 of an opinion as to whether the identity of the creditor that is used by the method of identification of a strong e-commerce electronic identification and electronic signatures law on the requirements laid down in article 8.
The creditor and the credit intermediary, shall be obliged to hand over the control of the supervisory authority have yet to be seen in terms of the necessary documents from borrowers.
Chapter 8 (5.1.1994/16) a number of the provisions of section 1 of the Public kuluttajapalvelussopimuksista kuluttajapalvelussopimukset (5.1.1994/16) the scope of application of the provisions of this chapter shall be effected for the Chapter offices, that the trader (the contractor) to run the consumer (subscriber) and with a movable object, building, structure or work on the rest of the immovable or the rest of the performance. However, certain works contracts provided for in Chapter 9. (13 December 2001/12)
The services shall not be subject to the provisions of chapter, with the preservation of the property of the consumer.


section 2 of the Agreement (5.1.1994/16) in view of the condition, which is different from the provisions of this chapter, to the detriment of the Subscriber, shall be null and void, unless otherwise provided for below.


The General provisions of article 3 of the contractor's performance (conduct/391) for the supply of a service where the service for the purpose of service of the target-object is the management of the conditions of employment of the contractor shall be deemed to have been disposed of, the object of service entry as completed has been handed over to the management of the Subscriber. In other cases, the conditions of service shall be deemed to have been disposed of, when it has been completed.


section 4 (5.1.1994/16) date unless a higher limit is agreed upon, that the conditions of service shall be handed over or without delay or at a specified time, if required, it shall be handed over to the quality and extent of the service within a reasonable time the conclusion of the agreement.


section 5 (5.1.1994/16) on the acquisition of the material in the absence of agreement to the contrary, the contractor must obtain a favor to the carrying out of the necessary materials, spare parts and accessories (material).


Article 6 of the Additional work (5.1.1994/16) if the need arises to non-mandate of the service when performing the measures, which it is appropriate to run in the same context (more work), the contractor must seek the authorization of the Subscriber.
If the Subscriber is not available within a reasonable period of time, the extra works will be carried out only if the costs are low mark in the amount of or in relation to the agreed service charged or from price reviews. The additional costs shall not give rise to potentially exceeding the agreed maximum price.
If the contractor finds a need for those not covered by the mandate of the work that cannot be delayed without causing a danger to human health or property and which are not carried out under this section, the contractor shall, without delay, notify the Subscriber of any security incident.


Penalties for delay in the service section 7 (5.1.1994/16), the right to silence on the basis of the delay, the contractor must charge the right to withhold payment of the price of the service. A Subscriber may not, however, to withhold an amount of money, which obviously exceeds the requirements on the basis of the delay, to which she is entitled.


section 8 (5.1.1994/16) the Subscriber the right to demand the fulfilment of the agreement the Subscriber's right to require performance of the contract, the contractor shall apply mutatis mutandis to article 8 of Chapter 5.


section 9 (5.1.1994/16) the Subscriber may cancel the contract with the contractor as a result of this delay, if the breach of contract is essential.
If the Subscriber is set to the contractor for the performance of a specified period of service and is not unduly short, the Subscriber may also terminate the contract, unless the service in a given period. Within the time set for the Subscriber must not terminate the contract only if the contractor declares that she does not satisfy the agreement within this time period.
When the Subscriber is not set to the contractor for more time, he may cancel the contract if the service is not given within a reasonable time after he called for the performance of the contract.
If there are serious reasons to believe that a favor be delayed substantially, the Subscriber may terminate the contract immediately.
In the event of a significant part of the service is completed, the Subscriber has the right to cancel the contract only in so far as the service is. If the purpose of a service as a result of this delay remains essentially unattainable, Subscriber, however, have the right to rescind the contract as a whole. Performance, which cannot be returned without essential harm, in this case, the compensation to be paid to the contractor at the Subscriber that matches its value.


section 10 (5.1.1994/16) in damages, a Subscriber is entitled to compensation for the damage that he is suffering from as a result of this delay, unless the contractor the contractor proves that the delay is due to his influence, as far as possible from the outside of the barrier, which he could not reasonably be required to have taken into account the time of conclusion of the contract and the consequences of which he is also reasonably could have avoided or overcome.

If the delay is due to the person, that the contractor has used the contract or a part thereof, the contractor shall be released from the obligation to compensation only if the person would be of the free responsibility. The same is valid, if the delay is due to the contractor the, or any other previous sales made.
Indirect damage resulting from the Subscriber shall be obliged to pay the contractor is, however, only if the delay or damage due to negligence on his side. The object failed to be held: 1) loss, which is caused by a breach of the contract or to the Subscriber arising out of measures;
2) injury, due to other contractual obligation; and 3 the use of the benefits of substantial object) loss, which will not cause direct economic damage, as well as other similar harm, which is an essential element.
If (3) the damage referred to in paragraphs 1 to 3, is caused by the limitation of other types of injury, it does not, however, in that regard, considered to be an indirect failed.
Similar to the right to compensation as the Subscriber is a member of his family as a result of this delay, which is suffering from an injury.


section 11 (5.1.1994/16) notice of the dissolution of the agreement and the conditions of employment of the claim If it is released for the departure, the Subscriber shall not be unloaded in the contract and to claim damages as a result of this delay, the transfer of information within a reasonable period of time unless you notify the contractor that he withdraws from the contract or to claim damages. If the Subscriber to terminate the contract, he is not, however, obliged to separately indicate the damage claim.


Service features and error section 12 (5.1.1994/16) the provision of the Service is a common error, and gives a performance to match it, what can be seen as an agreed.
Conditions of employment shall be carried out in a professional manner and carefully, and taking into account the interests of the Subscriber. Service will be for resisting and otherwise to respond to it, what in the context of a service, the consumer usually is a reason to believe. A service will also respond to the provisions laid down by law, regulation or the requirements set out in the decision of the authority.
If the contractor is to obtain a favour to the carrying out of the necessary material and not otherwise agreed upon, the material must be in the resistance and other characteristics of the usual good quality.
If the service is different from the 1 to 3, it is an error. The burden of proving that the conditions of employment is carried out in a professional manner and carefully, it is toimeksisaajalla.


section 13 of the employment (5.1.1994/16), the information in the service is also an error if it does not respond to the request for information that the contractor has made the content of the service or the quality of the service, or the exploitation of the performance or other aspects of the marketing of the service or otherwise, before the conclusion of the contract and which can be expected to have affected the status of that decision making process. The same applies to the service when you run the data, which can be expected to have affected the status of that decision making process.
The service also has an error, if it corresponds to the information referred to in paragraph 1, that a person other than the contractor or the contractor's behalf at an earlier stage, is the sales before the conclusion of the contract given in respect of the marketing of the service. The service does not, however, be deemed to be incorrect if the data is adjusted for time in a clear manner. The contractor is not responsible for the error referred to in this paragraph, either, if he was not going to be aware of and it would be for the information provided.
The service is also an error, if the contractor has failed to give the Subscriber information from a 1 point, from which he should have been aware and which the Subscriber reasonably would expect.


section 14 (5.1.1994/16) when the contract or after the obligation If it is established that the conditions of service, its price, the value of the item, and properties, or other special considerations, apparently, would not be relevant to the Subscriber, the contractor shall, without delay, notify the Subscriber. The contractor shall inform the Subscriber, if conditions of employment are also apparently will become much more expensive than the Subscriber reasonably could have been expected.
If the Subscriber is not available within a reasonable period of time or does not provide the necessary guidance, the contractor shall suspend the service to run. The contractor shall not, however, will continue to run, if he has a special reason to believe, however, that the Subscriber wants to run as a service.
If the contractor fails to comply with his obligations under this article, the service is a mistake.


section 15 (5.1.1994/16) point out the existence of a dominant position and the warranty (13 December 2001/12) on the basis of the contractor's execution inaccuracy must be judged on its performance, the result is a favor at the time of donation or, if delivery is delayed for the reason that the Subscriber side, the contractor what donation from him. The contractor is responsible for the error, which has been run at this time, even if an error occur only later. If the result is deteriorating within the specified time after the performance is considered to be an error, if the deterioration is due to the contractor's breach of contract.
The warranty shall apply by analogy in respect of the service to what Chapter 5, 15 (a) and 15 (b). (13 December 2001/12)


Error in the penalties section 16 (5.1.1994/16) the error message the Subscriber is not allowed to rely on the service to an error, unless the contractor within a reasonable time, he tell us about, when he noticed the flaw, or should have been discovered. The error message can also be used to make the trader, who has cared for a favor or committed to it.
Notwithstanding the provisions of paragraph 1, the Subscriber must not rely on the service if: 1) the contractor or some gross negligence and arvottomasti;
2) error is based on the fact that the service is not the protection of the health or property characteristics are similar to those in the provisions or the requirements set out in the provisions; or 3) error is based on the fact that the result of the service by the way, is a dangerous to health or property.


section 17 (5.1.1994/16), the right to withhold payment on the basis of the right to silence must pay the price of a service error. A Subscriber may not, however, to withhold an amount of money, which obviously goes beyond the requirements, on the basis of the rights that he or she has the error.


section 18 (5.1.1994/16) the Subscriber has the right to require the correction of an error that the contractor corrects the mistake or renew an invalid at runtime without having to incur the additional costs to the Subscriber. The contractor shall be obliged to rectify the error, however, is not, if it would cause him excessive costs or inconvenience.
Even if the Subscriber does not require bug fixes or renewal, the contractor shall, at its own expense to run such an adjustment, if he informs the Subscriber error, without delay, will have to do it. The Subscriber may refuse to error correction, if it would cause him major inconvenience or risk to the fact that the cost of replacing him, or if the refusal is not a special reason.
The contractor shall not rely on the fact that he has not had the opportunity to rectify the error referred to in paragraph 2, if the Subscriber is a korjauttanut error and, in the circumstances, it would be unreasonable to require the Subscriber to not wait for the adjustment of the contractor's side.


section 19 (5.1.1994/16) the price of the demolition of the agreement subject to the correction of an error or and new performance out of the question, or in the absence of such an adjustment is carried out within a reasonable period of time after the Subscriber has reported an error, the Subscriber shall be required of a error in the corresponding price reduction.
If there are serious reasons to believe that the service is going to be a fundamental error, the Subscriber may terminate the contract, in so far as the conditions of employment is still.
To the extent that the service is carried out in the conditions of subparagraph (1), the Subscriber may terminate the contract, if the other penalty is not to be regarded him as reasonable. Performance, which cannot be returned without essential harm, in this case, the Subscriber to pay the contractor it is corresponding to the value of the compensation.


under section 20 (5.1.1994/16) in damages, a Subscriber is entitled to compensation for the damage he suffers because of an error in the service of. The liability includes the error to the Subscriber, the injury suffered by the person and object in so far as article 21, is not due to the change. Article 10 3 and 4, however, the indirect damage referred to in paragraph contractor is liable only in the event of an error, or damage due to negligence on his side.
Similar to the right to compensation as the Subscriber is a member of his family, who are suffering because of an error.


section 21 (5.1.1994/16) of the material damage caused by the product of the material used for the carrying out of the Error When service is caused by damage to the rest of the property as a favor for the contractor's liability shall apply to the provisions of section 20, if the damage is the use of the property, which has a direct connection to the service.
If the contractor to perform the compensation, under paragraph korvauksensaajan of the possible right to demand damage compensation, the product liability law will move to the corresponding to the contractor. What does article 10 of the law on product liability: provides also applies to the contractor's right to compensation.

The provisions of this chapter shall not apply to the properties of the material used for the carrying out of service to make good the damage suffered by the passenger.


section 22 (5.1.1994/16) Other than the contractor's liability, Chapter 5, article 22, shall apply by analogy, in the case of the conditions of employment referred to in this chapter.


The obligations of the Subscriber and the Subscriber's breach of contract penalties pursuant to article 23 of the (5.1.1994/16) in Favor of the price of the service or for the calculation of the price subject to the way the agreement, the Subscriber has to pay a price that is reasonable, taking into account the service content, scope, quality, economically appropriate to the time of the award of the contract is performed, the fair price or method for calculating the price of the other conditions. If the contractor is in respect of the marketing of the service given the price of the service or its method of calculation of the date of the award of the contract, the price levels of meaning information that can be expected to have affected the price of the contract, in accordance with the information provided depends on the.
If the trader is at the consumer's request, the initial cost of the content or the execution of any resulting explained, he may require the payment of such preparatory measures in the field of practice, except where the consumer or for any other reason, there was reason to believe that the measures will not be charged.
If it does, what the contractor is on the basis of the agreement carried out, damaged, destroyed or otherwise lost before the release of the service and not due to the status of the time on the reason, toimeksisaajalla does not have the right to claim payment from the drain of the past work or additional costs caused by the material, or any other. What has been said above does not apply if the performance has gone down the drain, after the service, a subscriber of the donation has been delayed for a reason.


section 24 (5.1.1994/16) where the contractor has made an estimate of the Price-service price evaluation, the final price exceed the estimate of up to 15%. The customer and the contractor may, however, explicitly agree on how much of the price estimate will be exceeded.
Estimated price shall be understood as the totality of the total cost of the service, the absence of agreement to the contrary.
If there is disagreement about whether it is a fixed price, the amount of money to keep enimmäishintana, price estimate or indicative price information, the contractor must show evidence.


section 25 (5.1.1994/16) the payment of the price and specification of the Subject have been made by the time of the payment of the service, the Subscriber is the price to be paid to the contractor, if it does not, however, before the service is in accordance with paragraph 3 of the released and the Subscriber has had a reasonable opportunity to inspect the performance.
Unless the service carried out at a fixed price, the contractor shall, at the request of a Subscriber shall inform the latter of the written specification, on the basis of which to assess the performance of the content and the way in which the price is determined by the service. The Subscriber, who has asked for a breakdown, without undue delay, service entry as completed or on the Subscriber obtained, shall be payable only on receipt of the breakdown.
If payment is made by the Bank or through the mail, the contractor shall be deemed under section 27 to 30 of the rights laid down in the light of the assessment on the date on which the Bank or post office, a Subscriber has been approved by the relevant payment order.


section 26 of the cancellation of the Service (5.1.1994/16) if the Subscriber violates the agreement by withdrawing the service prior to its release, toimeksisaajalla does not have the right to perform it in the end. Instead, the right to compensation for damage caused to him in accordance with section 30.


section 27 (5.1.1994/16) of the contractor's right to withhold performance If the price of the service or parts of it must be paid before the transfer, but the delay in the payment of the service, the right to withhold performance until he receives the payment. The suspension of execution shall, without delay, notify the Subscriber.
If the suspension would run the risk of danger to human health or major property, the contractor shall, however, be carried out to prevent the risk of the necessary measures.
Toimeksisaajalla, which, in accordance with this section to suspend the execution, has the right to compensation for the extra costs incurred.


section 28 (5.1.1994/16) interest on the payment of the price of a service, if the Subscriber delays the, when the order is not revoked or terminated, in accordance with the laws of the legal interest rate.


section 29 (5.1.1994/16) of the contractor's right to rescind the contract if the Subscriber delays the payment of all or part of the price of a service and a breach of contract is an essential element, the contractor may terminate the contract, in so far as the service is not performed.
Where the contractor has made an additional period of payment of the price of a specific service, which is not unreasonably short, and subscribers pay more over time, the contractor may also terminate the contract to the extent that the service has not been carried out. Within a further period set by the contractor may cancel the contract only if the Subscriber declares that he will complete the payment within this time period.
The right to rescind the contract under the criteria laid down in points 1 and 2 also, if Subscriber fails to contribute to the performance of the contract as a favor to complete.
If it has become clear that the Subscriber will commit fundamental breach of contract, the right to cancel the agreement immediately.


section 30 (5.1.1994/16) of the contractor's right to damages If the contractor withdraws from the contract, or if the Subscriber to cancel the service, the right of subrogation, already part of the service carried out actions to be performed on the contract or cancellation.
The right to compensation, in addition to other costs, which for him is the fulfilment of the agreement and that will probably be caused to the fall rendered useless, as well as termination or cancellation due to the specific costs incurred. The rest of the damage the right to compensation, which is reasonable, having regard to the service, the price, the date of the termination or cancellation of the agreement, the measures taken in order to meet, as well as other factors.
Toimeksisaajalla does not, however, have the right to compensation referred to in paragraph 2, provided the Subscriber's payment delay or cancellation of a service is due to the provision of the law, general traffic, or in the cannot notify aborted, or other similar payments, which a Subscriber could not reasonably be able to avoid or overcome.


section 31 (5.1.1994/16) of the contractor's right to retain control of the service to the target If the target is a movable object in a service, which is controlled by the contractor, and the Subscriber fails to pay its obligations resulting from the agreement in question, the right not to disclose the object owner of the object to the Subscriber or, until the balance is paid, or is set to an adequate guarantee.
The arrest of the right to sell the right to possession of the considered object is provided for separately.


Other provisions on certain kuluttajapalvelussopimuksista section 32 (5.1.1994/16) in the context of damage to property caused by a service if the service to the target object, or any other Subscriber or the members of his family property is damaged, destroyed or lost, the decline in employment on the basis of the contractor's management when it is under the supervision of the contract, the contractor shall replace or injury, unless he proves that the damage was not caused by the negligence of his side.
The contractor's responsibility to care for the preservation of the target object is not a service agreement expired before the object has been restored to subscriber management, or toimeksisaajalla, as the rest of the law, has the right to cease from maintaining it.


33 section (5.1.1994/16) the injury and damages article 30 in Chapter 5 of the conciliation, shall apply by analogy, in the case of the conditions of employment referred to in this chapter.


34 section (5.1.1994/16) the liability of the supplier of the material error in the Subscriber has the right to address the material used for the carrying out of service, in accordance with the provisions of this chapter, due to an error in their claims, at an earlier sale of the trader, who also supplied the material for resale.
Subscriber is not entitled to it under paragraph 1,: 1) if the error is independent of the supplier of the material in question was born after he handed over the material;
2) to the extent that the requirement is based on the commitment from the vendor other than the material that sets the Subscriber in a better position than the provisions of this chapter shall be without commitment referred to; and 3) to the extent that the claim relates to a price reduction or service price and exceeds the amount of what the material supplier's own party would have been able to claim on the same basis, if the terms of the agreement between the potential restrictive shall not be taken into account.

The Subscriber loses the right to claim under this section, unless they tell us the material to the vendor or distributor, this will make it difficult to get information on the error message for sales within a reasonable period from the time a Subscriber since he noticed the flaw, or should have been discovered, and he had access to the information necessary for the presentation of the claim to the material supplier. The Subscriber shall not, however, without prejudice to this article rely on the error, if the supplier of the material concerned is gross negligence or arvottomasti, or in the case of some, and section 16, subsection 2, paragraph (2) or (3) for the error.


Article 35 (5.1.1994/16), the professional's liability where the contractor is a professional service to run, and used the other to this part of the service carried out by the trader's error, Subscriber has the right to address misconduct in accordance with the provisions of this chapter, based on their claims that the trader also.
Subscriber is not entitled to it under paragraph 1,: 1) if the error is independent of the elinkeinonharjoittajasta after it was born, when he handed over the performance;
2) to the extent that the requirement is based on the commitment from other than that of the trader, who set the Subscriber in a better position than the provisions of this chapter shall be without commitment referred to; and 3) to the extent that the claim relates to a price reduction or service price and exceeds the amount of what the trader's own party would have been able to claim on the same basis, if the terms of the agreement between the potential restrictive shall not be taken into account.
The Subscriber loses the right to claim under this section, unless they tell us the relevant information about the trader or the contractor for this error notification within a reasonable period after a Subscriber since he noticed the flaw, or should have been discovered, and he had at the time of the presentation of information necessary to elinkeinonharjoittajasta the claim. The Subscriber shall not, however, without prejudice to this article rely on the error, if the trader is gross negligence or arvottomasti, or in the case of some, and section 16, subsection 2, paragraph (2) or (3) for the error.
Chapter 9 (5.1.1994/16) House elements of trade and for works contracts, the General provisions of the House and the elements in the works section 1 scope of application of Chapter (5.1.1994/16) the provisions of this chapter shall apply to the trader (the contractor) and agreements between the consumer (subscriber): 1) of the building or its connection with the asennusvalmiiden of a fixed structure for building elements (elements) of the whole delivery;
2) according to which the trader's obligation includes, along with elements in the delivery of the elements referred to in paragraph 1, the place of installation or part of it; or as the content of the duty to the trader's performance 3) which is attached to the fixed part of the construction of a building or the construction or renovation, in this kind of project-related, economic or financial importance, noted the significant osaurakka on residential renovation or improvement (contract).
Chapter shall also apply where the trader provide the consumer credit as referred to in sub-section 1, along with other goods to the building or structure, or to carry out for the consumer, other construction or repair services related to the project. What are the elements of the apply by analogy to those referred to here shall hereinafter provided for other goods.
You can adjust the lower limit of the regulation as referred to in paragraph 3, the value of the contracts covered by this chapter.


section 2 of the Agreement (5.1.1994/16) in view of the condition, which is different from the provisions of this chapter, to the detriment of the Subscriber, shall be null and void, unless otherwise provided for below.


The supply, cost-sharing and risk 3 section (5.1.1994/16) assignment of the elements have been disclosed when the Subscriber has received them and gain control over it. If the contractor's performance is included in the installation, the elements shall be deemed for the purposes of the provisions concerning the delay in the contractor handed over only when the installation is completed.
The chore is released when it is complete and possibly agreed-review has been submitted.


section 4 (5.1.1994/16) date unless a higher limit is agreed upon, that the elements of the services or works shall be handed over at a specified time, the transfer must take place within a reasonable time the conclusion of the agreement.
If the right to determine the contractor's execution of the elements or of the exact point in time, the contractor shall, within a reasonable time in advance to inform the Subscriber of their choice.


section 5 (5.1.1994/16) Elements before the transfer costs, unless agreed otherwise, the contractor is responsible for the transport and storage costs and other costs to be incurred by the elements before disposal. However, this does not apply to costs which are due to the fact that the transfer has been delayed by the Subscriber of the reason.


section 6 liability Risk (5.1.1994/16) the transition from the risk the responsibility for ensuring that the elements will be destroyed, lost or damaged area independent of the time before the release. The risk is also responsible for ensuring that her performance would otherwise be destroyed, damaged or lost the status of the time independent of the prior to its release, or a delay in delivery, if the Subscriber side is why, until the contractor has done what the donation from him.
If the elements will be destroyed, lost or damaged toimeksisaajasta the risk of liability is independent of the Subscriber, in spite of this, the price to be paid. The same applies to the risk of damage to the rest of the performance of the contractor's liability to the Subscriber.


The contractor's delay in the penalties section 7 (5.1.1994/16), the right to withhold payment if the elements are a result of this delay of the suspended release of the contractor at the time, the date on which the price or part of it under the agreement is due for payment, Subscriber shall have the right to withhold payment until the supply takes place. If handover is delayed only in part, the Subscriber must not, however, to withhold payment to the extent that it exceeds the requirements on the basis of the delay, to which she is entitled. After the disposal of a Subscriber shall have the right to refrain from paying a portion of the price, that it is necessary to delay the claim based on the guarantee.
Under section 1, as referred to in paragraph 3 is not required by the stage of the contract, the contractor as a result of this delay at a time when the price or part of it under the agreement is due for payment, Subscriber shall have the right to withhold payment until the performance is required by the agreement. If the executable is delayed only in part, shall apply by analogy, what provides. The Subscriber the right to withhold an additional fee in order to secure a claim for damages is accordingly valid, what provides.
If the price or part of it under the agreement is due for payment at a given point in time before the release, but there is a justified reason to believe that the supply will be significantly delayed for elements or works to be provided, Subscriber shall have the right to withhold payment until the contractor may be the probability that he will be able to fulfil the contract in a timely manner.


section 8 (5.1.1994/16) the Subscriber the right to demand the fulfilment of the agreement the Subscriber's right to require performance of the contract, the contractor shall apply mutatis mutandis to article 8 of Chapter 5.


under section 9 of the standard (5.1.1994/16) in compensation for the delay, if any delay in the delivery of the work elements or the Subscriber has the right to a standard compensation. It is the first week of each month for the late finance 0.5% of the corresponding part of the price for this week, and after each part corresponding to a percentage of the price of the finance 1.
If the delay in the transfer of delay elements in the other elements in the installation, calculate the number of standard compensation for a part of the price, which is included in the contribution, including their installation, if it is a member of the contractor's obligations.
The maximum amount of the standard rate is 10% of the price of the part referred to in paragraph 1 or 2. Notwithstanding the provisions of this article, however, the Subscriber is entitled to receive under section 11 of the damage suffered from a social standard rate reimbursement.
If the contractor's execution, section 11, paragraph 1 or 2 of the barrier, toimeksisaajalla has no obligation to pay the standard rate.


section 10 (5.1.1994/16) the Subscriber may cancel the contract with the contractor as a result of this delay, if it causes him major inconvenience. If the elements are to be produced by the subject of the contract, or to purchase a particular buyer in accordance with the instructions for his or toivomustensa and the contractor may, without noticeable loss to use them in any other way, the Subscriber shall not be unloaded in the agreement, unless the delay have been going on for more than 60 days. However, the Subscriber may cancel the contract before the delay has lasted for 60 days, if she would have an unfair situation, therefore, that he should remain in the agreement.

If the delay is the kind of elements that can be hankaluudetta to replace the rest purchase equivalent, the Subscriber has the right to terminate the agreement in this respect, Chapter 5, under the conditions laid down in article 9.
If the contractor is delayed the installation of the elements, the Subscriber has the right to cancel the agreement in this respect, Chapter 8, under the conditions laid down in article 9.
If there are serious reasons to believe that the decoding of the passivity of the finance occurs, the Subscriber may cancel the contract before the agreed delivery date is close at hand.


section 11 (5.1.1994/16) in damages, a Subscriber is entitled to compensation for the damage that he is suffering from as a result of this delay, unless the contractor the contractor proves that the delay is due to his influence, as far as possible from the outside of the barrier, which he could not reasonably be required to have taken into account at the time the contract is concluded and the consequences of which he is also reasonably could have avoided or overcome.
If the delay is due to the person, that the contractor has used the contract or a part thereof, the contractor shall be released from the obligation to compensation only if the person would be of the free responsibility. The same is valid, if the delay is due to the contractor the, or any other previous sales made.
However, the indirect injury, the contractor is liable only if the damage is caused by the negligence of the finance or on his side. The object failed to be held: 1) loss, which is caused by a breach of the contract or to the Subscriber arising out of measures;
2) injury, due to other contractual obligation; and 3 the use of the benefits of substantial loss of the subject of the contract), which does not entail any direct financial damage, as well as other similar major inconvenience.
If (3) the damage referred to in paragraphs 1 to 3, is caused by the limitation of other types of injury, it does not, however, in that regard, considered to be an indirect failed.
If the contractor's execution at 1 or 2, the contractor shall, without delay, notify as referred to in sub-section barrier or an obstacle to the Subscriber and its effects on the possibilities of the performance of the agreement, the Subscriber is entitled to compensation for the damage which could have been avoided if he had been informed in a timely manner.
Similar to the right to compensation as the Subscriber is a member of his family as a result of this delay, which is suffering from an injury.


section 12 (5.1.1994/16) the specific provisions on the dissolution of the agreement if the Subscriber to terminate the contract in whole or in part and not the contractor's execution be restored essentially already made by the unchanged or without substantial harm to the Subscriber, the right to receive compensation for his performance, which is equivalent to the value of the Subscriber.
If the Subscriber to terminate the contract in whole or in part, in so far as it is, he has the right to have the contractor access to the building on the drawings and other special instructions or information that are necessary to carry out the remaining work.


At run time the properties, and the error in section 13 (5.1.1994/16) a common error is an error in the contractor's execution of the provision, if it is not in content, quality or other characteristics are similar to what may be considered as agreed.
There is an error in the contractor's execution also, if: 1) it does not correspond to the provisions in force on the date of delivery or the provisions laid down in the light of the requirements of a good way of building;
2) to cause or may be reasonably assumed in relation damage to health;
3) elements to the obligations of the contractor's installation or works or any other part of the task is not run professionally and with care;
4) elements are not compressed or otherwise protected properly, when it is necessary for the transport or preservation of the elements; or 5) does not otherwise respond to it, what the consumer is usually in the context of reasonable grounds for such an agreement.


section 14 (5.1.1994/16) the execution of the Performance information provided to the Contractor is also an error if it does not respond to the request for information, which the contractor is in marketing or otherwise, before the conclusion of the contract provided for the content, performance or other properties of the elements in the performance in terms of quality or aspects of the exploitation of, and which can be expected to have affected the deal. The same applies to the information provided, which can be expected to have affected the status of that decision making process.
The contractor's execution is also an error if it does not correspond to any of the information referred to in paragraph 1, that a person other than the contractor or the contractor's behalf in the previous sales level is given in terms of the performance. Performance is not considered incorrect if the data is adjusted for time in a clear manner. The contractor is not responsible for the error referred to in this paragraph, either, if he was not going to be aware of and it would be for the information provided.
The contractor's execution is also an error, if it will not be disclosed to the Subscriber to install, use, or storage of the elements, for the treatment of the necessary instructions, or if the contractor has otherwise failed to give the Subscriber information from a 1 point, from which he should have been aware and which the Subscriber reasonably would expect.


section 15 (13 December 2001/1258) point out the existence of a dominant position in a point in time and What Chapter 5, section 15, 15A or 15 (b) provides, shall apply by analogy in respect of the question of the agreement referred to in this chapter.


Error in the penalties section 16 (5.1.1994/16) the error message the Subscriber is not allowed to rely on the contractor's execution an error, unless the contractor within a reasonable time, he tell us about, when he noticed the flaw, or should have been discovered. The error message can also be used to make the trader, who has cared for the execution of the contract by the contractor, or by a commitment to correct the mistake or otherwise to meet the performance characteristics.
Notwithstanding the provisions of paragraph 1, the Subscriber must not rely on the error, if: 1) to the contractor, or any other trader, as referred to in sub-section 1 of gross negligence, or in a dishonourable and arvottomasti;
2) error is based on the fact that the performance does not meet the requirements, it is set to tuoteturvallisuuslain or any other health or property pursuant to the provisions adopted in order to protect or standards; or 3) error is based on the fact that the health or property of the performance is otherwise dangerous.


section 17 (5.1.1994/16), the right to withhold payment on the basis of the right to silence must pay a price for the error. A Subscriber may not, however, to withhold an amount of money, which obviously goes beyond the requirements, on the basis of the rights that he or she has the error.


section 18 (5.1.1994/16) the Subscriber has the right to require the correction of an error, the contractor shall rectify the error or provide vouchers with no errors, the incorrect place, without the elements of the Subscriber because of cost. Is subject to the condition that the error can be rectified without the contractor to incur excessive costs or inconvenience.
Even if the Subscriber does not require the correction of an error or the error-free elements, the contractor shall, at its own expense to run such an adjustment, if he, without delay, on receipt of the Subscriber indicated in the error and the opportunity to object to the inspection required by offering to do it for the correction of an error, the Subscriber may refuse to. If it would cause him major inconvenience, or the risk of that cost to the Subscriber.
The contractor shall not rely on the fact that he has not had the opportunity to rectify the error referred to in paragraph 2, if the Subscriber is a korjauttanut error and, in the circumstances, it would be unreasonable to require the Subscriber to not wait for the adjustment of the contractor's side.


section 19 (5.1.1994/16) the price reduction and the Subject is out of the question, or the correction of an error correction carried out within a reasonable period of time after the Subscriber has reported an error, and the contractor has been an opportunity for the inspection of an item, required by the Subscriber shall be required of a mistake similar to a price reduction or, if the breach of contract is an essential element, the right to waive the agreement.
To the extent that the contractor's execution cannot be restored without the already made by the major inconvenience, the Subscriber has the right to cancel the contract only if the other penalty is not to be regarded him as reasonable.
If there are serious reasons to believe that the contractor's execution later is a fundamental error, Subscriber shall have the right to cancel the contract, in so far as it is the contractor's side.
Article 12, shall apply by analogy to the subscriber cancels the contract under this section.


under section 20 (5.1.1994/16) in damages, a Subscriber is entitled to compensation for the damage he suffers from due to a bug in the contractor's execution.
Article 11 (3) and (4) the contractor is, however, an indirect injury referred to in an obligation to pay only in the event of an error, or damage due to negligence on his side.
The right to compensation in accordance with this section also includes the error to the Subscriber, the injury suffered by the person and object. This article does not, however, apply to: 1) the material used for the element or the execution of the provided error to make good the damage suffered by the person;

2. the material used for the element or the execution of) a bug to make good the damage caused by the object, if the crime is directed against the rest of the property as a building or an apartment in the main private use '; and 3 a device error) in the building tarpeistoon to make good the damage resulting from the object, if the crime is directed against the use of the property, which has no direct connection to the device.
Similar to the right to compensation is a subscriber member of the family, which is caused due to an error.


section 21 (5.1.1994/16) Other than the contractor's liability, Chapter 5, article 22, shall apply by analogy, in the case of an undertaking for the performance.


section 22 (5.1.1994/16) Cost estimate of the liability resulting from the inaccuracy If the contractor has made a cost estimate from the Subscriber, in pursuance of the completion of the work or of the building of the measures, which are not included in the contractor's own performance, and the Subscriber is not grounds for confidence that the assessment of the contract are not substantially exceeded, Subscriber is entitled to fair compensation, if the contractor is not in drawing up the assessment done with care and the cost to the Subscriber, therefore, consist of essentially the estimated.


The price and the payment of section 23 (5.1.1994/16), the estimated price For the installation of the elements, or section 1 of the performance of the contractor referred to in paragraph 2 has not been agreed the task relating to the service at a fixed price, the contractor shall inform the Subscriber prior to the conclusion of the contract, the estimated price. The price of execution may be exceeded on the estimated price of up to 15%, subject to section 24, the result of the change.


section 24 (5.1.1994/16) the price increase, according to the terms of the Agreement, with the right to unilaterally raise the price agreed or exceeds the bid estimates more than article 23, shall be valid only if: 1. the increase is due to a change in the law or) of the Authority's decision that the contractor could not reasonably be required to have taken into account the time of conclusion of the contract, or a construction, installation or other elements of the contractor, the contractor's execution service involving the outside barrier that he or she could not reasonably be required to have taken into account the time of conclusion of the contract and the consequences of which he is also reasonably could have avoided or overcome;
the status of the contractor's execution has been postponed for 2) of the time due to the fault of the contractor, and the price increase is due to the increase in the cost of this is why; the increase is due to the provision of information, or a 3) paikkansapitämättömyydestä that a Subscriber has provided, or which is not under the responsibility of the Subscriber.
The price increase and its basis must inform the Subscriber as soon as possible. The price increase is not a condition of 1 and, in the cases referred to in paragraph 2 may be invoked after the contractor has complied with the obligations.
If the price increase in the case referred to in paragraph 1, subparagraph 1 should be greater than 5% of the price, the Subscriber has the right to terminate the agreement, unless the increase is due to the expansion of the tax base so that the earlier tax free performance becomes taxable. If the increase of with regard to the installation of the elements in the is greater than 15% of its price in accordance with the agreement, the Subscriber has the right to cancel the contract in respect of the installation of the.


section 25 (5.1.1994/16) the security shall be subject to the payment of the price and the date of payment of the price in the agreement, the Subscriber is the price to be paid to the contractor, if it does not, however, before the performance is in accordance with paragraph 3 of the released and the Subscriber has had a reasonable opportunity to inspect the performance.
If the Subscriber is to be carried out by the contractor under the contract, any part of the price in advance, the contractor shall be given to the Subscriber the advance charges, which must be valid at least until the contractor's execution, the value corresponds to the amount of the advance payment.
The performance, which is not done at a fixed price, is subject to section 25 of Chapter 8 of the Act provides the breakdown of the price.
If payment is made by the Bank or through the mail, the contractor shall be deemed under section 28 to 31: of the rights laid down in the light of the assessment on the date on which the Bank or post office, a Subscriber has been approved by the relevant payment order.


Section 26 of the Subscriber of a breach of the contract penalties (5.1.1994/16) to cancel the order if the Subscriber violates the agreement by withdrawing the order of the elements before their release, the toimeksisaajalla do not have the right to stay in the contract and to demand the payment of the price. Instead, the right to compensation for damage caused to him in accordance with section 30.
In case of cancellation of the contract, or just the elements included in the contractor's performance of the installation or other service, 26 and 30 of Chapter 8 shall apply.


section 27 (5.1.1994/16) of the contractor's right to withhold performance, Chapter 8, section 27 provides, apply by analogy to the contractor's right to refrain from requiring the agreement referred to in this chapter.


section 28 (5.1.1994/16) interest on the payment of the price, if the Subscriber delays the, when the order is not cancelled or terminated the contract, the right to interest on account of late payment, interest rate as required by law.


section 29 (5.1.1994/16) the Contractor may terminate the contract due to the delay of payment of the Subscriber, if the breach of contract is essential.
If the contractor has set the price for the payment of the prescribed period of time, which is not an unreasonably short, he may terminate the contract, except where the subscribers pay more over a period of time. Within a further period set by the contractor may cancel the contract only if the Subscriber declares that he will complete the payment within this time period.
If the Subscriber has control over the elements of the case, the contractor shall cancel the contract only if he is arrested the right to it, or if the Subscriber shall combat elements. The Subscriber in respect of the work to be performed or the service contractor may terminate the contract under paragraph 1 or 2, only in so far as the conditions of employment of the job or is yet to be accomplished.
The contractor shall not be unloaded in the agreement the Subscriber as a result of this delay of payment after the delayed payment has been made.


section 30 (5.1.1994/16) in damages If the contractor withdraws from the contract due to the delay or the Subscriber's fee if a subscriber cancels the subscription, in accordance with paragraph 1 of article 26, the right to compensation of the costs to be incurred by him for the fulfilment and the conclusion of the agreement and that he will most likely not be able to benefit from the agreement, or in any other manner, as well as the specific costs incurred due to the cancellation.
The rest of the damage the right to compensation, which is reasonable, taking into account the agreed price, the timing of the cancellation, termination or the operations carried out in order to meet, as well as other aspects of the agreement.
Toimeksisaajalla does not, however, have the right to claim damages, provided the Subscriber's payment delay or cancellation of the order is due to the provision of the laws of the general traffic, or in the cannot notify aborted, or other similar payments, which a Subscriber could not reasonably be able to avoid or overcome.
According to the agreement, which is determined by the size of the Subscriber as a compensation for the price of a given or any other standard criteria, is a valid, if the agreement is reasonable, taking into account the withdrawal of the contract, or in General, damage and the provisions of paragraph 1 to 3.


section 31 (5.1.1994/16) myötävaikutusvelvollisuuden failure to supply the Subscriber status of the time delay, if the elements due to the fault of the Subscriber, the right to compensation as a result of this delay came with the elements necessary for the transportation, storage or security costs, and insurance costs. According to the agreement, which is determined by the size of the Subscriber as a compensation for the price of a given or any other standard criteria, is a valid, if the agreement is reasonable, taking into account the costs of the finance in the event of the contractor referred to in General.
The obligations of the contractor and if the installation is the installation is delayed due to the fault of the status of the time, the right to obtain an equitable remuneration for the damage caused to him, therefore, that the installation of the assigned workforce cannot be provided replacement work.
Section 1:1 of the performance of the contractor, as referred to in paragraph 3 to be delayed due to the fault of the status of the time, the right to compensation in accordance with paragraph 1 and 2.
If the contractor's delay in the performance of the Subscriber of the reason, the right to rescind the contract and to the Subscriber in accordance with section 30 of the compensation for damage. If the installation includes the obligations of the contractor, the contract and the right to compensation.


Other provisions in the House and the elements in the works section 32 (5.1.1994/16) the application of the provisions of the commercial code


The provisions of the commercial code shall apply to the trade of the elements referred to in this chapter to the extent that the provisions of this law is not due to the change. The elements in the trade referred to in this chapter shall not apply to the sale of goods Act, what the article 13, section 31 and 47, section 49 and section 73 of the Act provides. What does the Trade Act, section 76 (2) shall not apply in the case of huolenpitovelvollinen of the Subscriber. The sale of goods Act, the provisions of article 75 and 78 does not apply to elements in the trade referred to in this chapter, if the contractor in accordance with the provisions of the future would be greater than the compensation of this century according to section 28 to 30 of the contractor for decompression of the trade.


33 section (5.1.1994/16) the injury and damages article 30 in Chapter 5 of the conciliation, shall apply by analogy, in the case of an agreement referred to in this chapter.


34 section (5.1.1994/16) other than the contractor's liability in Chapter 5, section 31 of the What, and Chapter 8, section 34 or 35 of the buyer's or subscriber's right to address an error based on the requirements in the previous sales in the level or the contractor accompanied by the use of a professional, also referred to in this chapter, apply by analogy to categories of agreements.
Chapter 10 (11/03/2011/227) Time shares and long-term holiday products section 1 (11/03/2011/227), the scope of this chapter provides for agreements between a seller or supplier and a consumer concerning the timeshare or long-term holiday product, the sale or transfer, or timeshare exchanges. In addition, provides for the timeshare, long-term holiday products, as well as the associated proxy or exchange activities in the marketing of feedback from consumers.
The provisions of the chapter are not contracts, not the time share contracts and long-term holiday product contracts, which was no more than a year for a limited period of time. However, the provisions shall apply to the share of fixed-term contract, if the time of the period of validity of the contract or long-term holiday product can continue for more than a year without the extension, that will be agreed upon between the parties.


section 2 (11/03/2011/227) the Definitions in this chapter, the following definitions shall apply: 1) time as specified in the repeated periods of agreement, shared the right to use the immovable or movable assets related to the accommodation space;
2) timeshare rooms count as residential buildings or apartments, the meaning of the license based on time shares;
3) pitkäkestoisellalomatuotteella more than a year, based on sustainable access to primarily discount or other benefits on accommodation, either separately or attached to the trip or any other service;
the Treaty of accession to the Treaty of 4) an Exchange system, which entitles the holder to use the system time of accommodation or services;
5) proxy or long-term holiday product contract of the time share sales or purchase assignment;
6) ancillary contract "means a time share contract or long-term holiday product contract related to the agreement on the services provided by the trader or by a third party to provide such third party and the supplier on the basis of the contract or other arrangement between;
7) provision of information in person, in writing or in a durable manner, by electronic means in a way that allows him to store and reproduce information unchanged.


section 3 (11/03/2011/227) in view of the application of the provision of the laws of the foreign State, and that is different from the provisions of this chapter, to the detriment of the consumer, shall be null and void, unless otherwise provided for below.
If any of the properties, which the agreement relates, is a member of a State, members of the European economic area (EEA State) and an agreement should be applicable to the rest of the non-EEA State, the provisions of this chapter shall apply, however, to the extent that consumer protection more effectively than otherwise to be applied in the future according to the law. Provisions shall apply by analogy to the rest of the agreement which falls within the scope of this chapter, if the trader pursues his commercial or professional activities in the Member States of the EEA, or head to the manner in which any such activities to the EEA-State and the contract falls within the scope of such activities.


section 4 (11/03/2011/227) prior information the trader shall in good time before the consumer makes an agreement falling within the scope of this chapter, or a binding offer to provide the consumer with a clear and sufficiently detailed information from the elinkeinonharjoittajasta: 1) as a party to the agreement;
2 the nature of the rights which are the subject of the agreement), the content, and use;
the price of the 3), other fees and charges;
4) property, building, apartment or other accommodation for the State, which is in conformity with the contract for the license;
services included in the contract of 5);
6) in accordance with section 9 of the right of withdrawal in accordance with article 12 and the ban on advance payments;
7. the duration of the agreement and the termination of the agreement or) other;
8 any disagreement concerning the terms and conditions for the possibility of an agreement) or the rest of the settlement of the arbitration body.
The information referred to in subparagraph (1) above shall be given for the service provided to long-term holiday product, the time, a special agreement for each contract type or exchange contract individually set out on the basis of a standardised questionnaire to your form. The form shall be issued free of charge in a durable manner and, at the choice of the consumer, to his residence in the language of the country of nationality or, in the case of an EEA State and the selected language is the official language of the European Union or Norway or Iceland.
The form and content of the data in the forms provided for by regulation of the Ministry of Justice in more detail.


section 5 (11/03/2011/227) Marketing Marketing rights within the scope of this chapter, or the operation of the supplier shall be notified to the data sheet referred to in article 4, as well as where and how the consumer can get.
If the presentation is being offered to the consumer in person or sales Conference, the trader shall clearly indicate the character of the event and the callsign the opportunity for commercial purpose. The consumer must be able to get the information referred to in section 4 of the form at any time during your event.
Timeshare or long-term holiday product may not be marketed as an investment.


6 section (11/03/2011/227) in the form and language of the Contract shall be made in writing and signed by the parties to it. The consumer shall have a copy of the agreement. The agreement can also be done by electronic means, in such a way that the consumer is able to store and reproduce the agreement unchanged. The signing of the agreement, shall apply to the strong e-commerce electronic identification and electronic signatures Act (619/2009). An entity determines the form and content of any related credit agreement provided for in this law in Chapter 7.
The contract is drawn up, according to the choice of the consumer, either in the language of the country of nationality of his place of residence or, in the case of an EEA State and the selected language is the official language of the European Union or Norway or Iceland. If the property covered by the contract, is situated in a State other than the Member State of the EEA, which in the language of the agreement is drawn up, the trader shall provide the consumer with a certified translation of the contract in addition to the property's location on the State language. If the contract is concluded with a trader operating in Finland in a language other than Finnish or Swedish, the trader shall provide the consumer, at the consumer's request, and according to the choice of the Finnish or Swedish translation.


section 7: (11/03/2011/227) the content of the agreement as referred to in article 4, the information provided to the data in the form are part of the contract, unless otherwise agreed by the parties separately. The supplier may unilaterally change the information provided on the form only if the change is due to unusual and unforeseeable circumstances which he could not have been influenced by, and the consequences of which he could have avoided all due care is not known by that party. Changes shall be communicated to the consumer in a durable manner prior to the conclusion of the contract. The data in the form and the changes must be indicated in the contract. In addition, the agreement shall state the name and address of each of the parties and the date and place of conclusion of the contract.
A separate agreement must be accompanied by a standard form, in which the consumer is able to announce the cancellation of the agreement in accordance with section 9. The form and content of the form to the right of withdrawal provided for by the regulation of the Ministry of Justice.


section 8 (11/03/2011/227) other requirements for the conclusion of the contract, the trader has to pay attention to the consumer prior to the conclusion of the contract, in particular, the right of withdrawal in accordance with article 9 and the right of withdrawal in accordance with article 12 of the advance payments are made on the basis of the prohibition of the right of withdrawal. The trader shall provide the consumer to sign separately, these provisions correspond to the terms of the contract.


section 9 (11/03/2011/227) a right of withdrawal, the consumer shall be entitled to withdraw from the contract within 14 days of the date of the conclusion of and later, from the day on which the consumer has received the agreement of the song. If the consumer is offered in the context of an agreement, the time share of both the right of withdrawal shall apply to contracts of the time.

The consumer shall be informed of the withdrawal of the trader within the meaning of article 7 of the right of withdrawal form or otherwise.
If the consumer exercises his right of withdrawal in accordance with the obligations of the agreement of the parties will cease to exist. The consumer is not allowed to claim compensation for the costs incurred in the cancellation of the withdrawal of any of the professional services rendered. The trader shall promptly return any payments received from the consumer. The restored, interest shall be payable on quantities of interest Act (633/1982) under section 3 of the interest rate referred to in paragraph 2, the date of the performance.


section 10 (11/03/2011/227) at the time of the submission of the Form, without effect on the right of withdrawal if the trader has not attached a contract or otherwise, to provide to the consumer, paragraph 7, of the right of withdrawal provided for in paragraph 2 of the form, the withdrawal period shall expire 14 days after the date of the year and the 9th of the date referred to in subparagraph (1) of section. Where the right of withdrawal form is submitted during that year, the 14-day withdrawal period shall begin from the day on which the consumer receives the form.
If the consumer has not been delivered to the referred to in article 4, the information sheet in a durable manner, the right of withdrawal shall expire after three months and 14-day 9 of the date referred to in subparagraph (1) of section. If your form is submitted to the three-month period, the 14-day withdrawal period shall begin from the day on which the consumer receives the form.


section 11 (11/03/2011/227) for the cancellation of the credit agreement, and If a consumer withdraws from a time share or a long-term holiday product, any of its associated exchange agreement or other measures and the consumer will be cancelled, without any penalty and without acceding to the.
If the consumer is granted for the term of credit, which the donor is a trader himself, or other lender with a supplier to a consumer credit provision of the contract or other arrangement for the consumer in the event of cancellation of a credit agreement shall be cancelled on the basis of the main agreement.


section 12 (11/03/2011/227) the prohibition against the execution of the right of withdrawal period and the period of validity of the special agreement between the Supplier and a third party are not allowed to take time to share in the agreement, the contract or long-term holiday product contract for the consumer to pay up before 9 or 10 of the withdrawal period has expired. The ban also applies to the commitment to the provision of a guarantee, and the rest, as well as any other arrangement, on the basis of which the consumer can emerge from the obligation to pay.
The arbitration agreement shall be in accordance with the consumer's prior performance as well as of other commitments and arrangements on the ban until the task is completed or a contract arbitration is finished.


section 13 (11/03/2011/227) a long-term holiday product contract termination payment and the supplier shall draw up a long-term holiday product, of the charges payable under the agreement on the payment table, where all the payments to be made by the consumer, including any membership fees, is divided into two equal payments due in a year. A consumer shall not require the payment of any other payments in addition to the correctness of the payments. The trader shall send the invoice or other overdue notification to the consumer in a durable manner for at least 14 days before each due date.
The consumer shall have the right to terminate the second payment on the due date including long-term holiday product contract without penalty by giving notice of denunciation to the trader not later than 14 days after the expiry of that year the payment instalment of the date of receipt of the notification.


section 14 (11/03/2011/227) and payment of the price of an apartment building during the Time share if the share of the purchase price of the dwelling will be agreed upon, in some respects, to be paid before the building control authority has approved the use of the dwelling, the quantities of the items in the trade price must not be so large that they are disproportionate to the value of the assets the due execution of the trader. The purchase price will be at least 10% of the payment is due until the housing is approved for use, and the consumer has been given a reasonable opportunity to inspect it.


section 15 (11/03/2011/227), the application of the provisions of Chapter 5 of the Kuluttajankauppaa provided for kuluttajankaupasta, applies, mutatis mutandis, to time the agreement.


section 16 (11/03/2011/227) Penalties for infringement of certain provisions of the trader, which is a violation of this chapter for the marketing and contractual relationship with 4 – 8 or the provisions of article 12 to 14, may be, if it is necessary for the purpose of consumer protection, to prohibit the continuation of such a procedure, or renew it or similar procedure. The imposition of the ban, and the stepping up of the fine provided for in Chapter 2 and 3.
Chapter 11 (27th/746) (27th/746) Chapter 11 is repealed by L:lla 27 August 2010/746.
the provisions of section 1 of Chapter 12 of the Series (5.1.1994/16) consumption of the commodity broker's responsibility for the Trader, who cares about the consumption of the asset on behalf of the agreement asset provider, is responsible for the fulfilment of the agreement, the bundling of the asset to the consumer in 5 and 8, as well as trade in accordance with article 41 of the law. Such responsibility does not, however, arise if the broker is acting on behalf of another when the contract, the trader and the consumer is aware of this, as well as the impact of this aspect of his rights.
Broker's liability shall be without prejudice to the rights of the consumer in relation to another sopijapuoleen.
The responsibility of a real estate agent is in place, what it is specifically.


1. (a) section (5.1.1994/16) in damages for a claim relating to the time, in some cases, This statutory action, for compensation for the damage to the rest of the property suffered by the error object or material used for the carrying out of a service failure for the rest of the property as a favor to compensation for the damage suffered by the target object is specified, the object must be raised within three years from the date of the occurrence of the damage and the compensation for the demanding became aware of korvausvelvollisesta. The application must, however, be brought within ten years from the time when the goods or material be liable in the event that caused the injury fell.


1 (b) of section (5.1.1994/16) the relationship between the law of damages and other laws to the provisions of this law, without prejudice to the right to claim compensation for the injury suffered by the tort, product liability law or any other law.


1 (c) of section (30.12.2013/12) the right to invoke some of the particulars and documents referred to in this Act, if an error message or a notice of the withdrawal or cancellation of the contract is sent to the recipient, the sender must not rely on the Declaration, even though it should not be delayed, or to your destination.
If the date of the arrival of the notice cannot be presented to the other, it shall be presumed that the addressee of the notification sent by post on the seventh day following that of its posting at a distance and by electronic means, on the day of dispatch of the notice that was sent.
The notification provided for in paragraph 1 and 2 shall also apply to the confirmation, the contractual terms and conditions and any other documents which the trader is in accordance with the law sent to the consumer.


1 (d) of section (5.1.1994/16) the emergence of disputes before the condition of the agreement, according to which any dispute between a seller or supplier and a consumer issue to be resolved in arbitration, is not binding on the consumer.
The question of jurisdiction and the right to place the agreement lays down the code of Chapter 10. (13 March 2009/140), section 1 (e) (21 January 2005/29) the calculation of the time limit the time limit provided for in this Act shall not be taken into account for the calculation of the date on which the contract or any other kind of work was carried out, from which the period runs. If the last day of the period is a public holiday, independence day, labor day, Christmas or Midsummer's Eve, or the amount of time to be done daily on Saturday, the Act can be carried out even on the first working day following that of its publication.


Article 1 (f) (of 18 December 1998, 1999/416) the General choice of law provisions, in so far as the provisions of this or any other Act, this Act is not due to a change to the law applicable to contractual obligations is determined by the Rome of 19 June 1980 on the law applicable to contractual obligations, in accordance with the Convention. Even when the contractual obligations referred to in this law do not fall within the scope of the Convention, the provisions of the Convention shall apply mutatis mutandis.


section 2 of the more detailed provisions (5.1.1994/16) for details on the implementation of the provisions of this law and may be given in the regulation.


section 3 entry into force (5.1.1994/16) this law shall enter into force on 1 September 1978.

The change of the date of entry into force and the application of the acts: 28.5.1982/390: this law shall enter into force on 1 January 1983. The Ministry of trade and industry must be confirmed as referred to in sub-section 1 of section 2 of the formula for the entry into force in good time before the law. The trader can also make an application for Government and industry to adopt article 2 of the formula referred to in paragraph 1, before the entry into force of the law.
The applicable law on or after the date of entry into force of the sale of consumer goods for home and e-mail.
THEY'RE 7/82, tvk. Mrs. 2/82, svk. Mrs. 43/82





adopt the 14/45: this law shall enter into force on 1 January 1984.
THEY are 215/82, tvk. Mrs. 15/82, svk. Mrs. 246/82 23.5.1986/385: this law shall enter into force on 1 January 1987.
This law, Chapter 7, article 6 to 9 shall not become applicable earlier than six months have passed since the entry into force of the law.
This law shall apply to contracts concluded after the date of its entry into force. Before the entry into force of this law shall apply to the credit agreement, however, on account of Chapter 7 of the article 11 to 20 and 21 the provisions adopted pursuant to article, when a year has passed since the entry into force of the law.
THEY'RE 88/85, tvk. Mrs. 1/86, svk. Mrs. 17/86 13.1.1989/8: this law shall enter into force on 15 February 1989.
THEY'RE 208/88, tvk. Mrs. 9/88, svk. Mrs. 215/88 24.8.1990/811: this law shall enter into force on 1 January 1991.
THEY'RE 66/88, lvk. Mrs. 6/90, svk. Mrs. 56/90 8.1.1993/84: this law shall enter into force at the time of the decreed.
THEY 218/92/93, SuVM, TaVM 43 6/92, annex XIX to the agreement on the EEA Council Directive (85/577/EEC) 8.1.1993/85: this law shall enter into force at the time of the decreed.
This law shall apply to contracts concluded after the date of its entry into force.
THEY 238/92, TaVM 48/92, annex XIX to the agreement on the EEA Council directives (87/102/EEC and 90/88/EEC) 5.1.1994/16: this law shall enter into force on 1 July 1994.
Contracts concluded prior to the entry into force of this law and shall remain subject to earlier commitments.
Chapter 5, section 31 of the regulations on the liability of the previous level error, the provisions of section 34 of Chapter 8 material, the liability of the vendor's error, as well as in Chapter 5, section 32 and section 35 of Chapter 8: the provisions on the liability of the seller or supplier does not apply to the rest of the error, if the claim is directed against the trader, which has made an incorrect goods or materials, or made an incorrect performance prior to the entry into force of this law.
THEY'RE 360/92, of 28 June 1994/541 TaVM 40/93: this law shall enter into force on 1 September 1994.
After the entry into force of this law shall apply to it.
THEY are 13/16/94 94, TaVM 19.8.1994/759: this law shall enter into force on 1 September 1994.
THEY'RE 88/94, 16.12.1994 TaVM 26/94/12: this law shall enter into force on 1 January 1995.
The law applicable to contracts concluded prior to the entry into force of the laws of the law in force at the time of entry into force.
THEY 218/31/94, 94, TaVM Council Directive 93/13/EEC; OJ No l L 95, 21.4.1993, p. 29 13.1.1995/37: this law shall enter into force on 1 March 1995.
THEY'RE 300/94, 11.12.1997 TaVM 43/94/1162: this law shall enter into force on 1 March 1998.
The law applicable to contracts concluded prior to the entry into force of the laws of the law in force at the time of entry into force of the law.
THEY 181/1997, TaVM 29/1997, EV 191/1997, of the European Parliament and of the Council Directive 94/47/EC, OJ No L L 280, 29.10.1994, p. 83 19.12.1997/1241:220/1997, TaVM 33/1997, EV 212/1997, Council Directive 92/42/EEC; OJ No l L 167, 22.6.1992, p. 17.0, Council Directive 92/75/EEC; OJ No l L 297, 13.10.1992, p. 16.0, Council Directive 93/68/EEC; OJ No l L 220, 30.8.1993, p. 1.0, Parliament and Council Directive 96/57/EC; OJ No l L 236, 18.9.1996, p. 36 of 18 December 1998, 1999/416.: this law shall enter into force at the time of the decreed. (L 416/1999 came into force as of 1 April 1999, in accordance with A 417/1999.)
Contracts concluded prior to the entry into force of this law shall apply to the previous law.
THEY'RE 103/1998, LaVM 14/1998, EV 174/1998, Council Directive 93/13/EEC; OJ No l L 95, 21.4.1993, p. 29 of 22 April 1999/514: this law shall enter into force on 1 September 1999.
THEY LaVM 30//96, 199, 1998, EV 302/1998 15.12.2000/1072: this law shall enter into force on 1 March 2001.
This Act repeals the home-and mail-order the regulation of 30 December 1993 (1601/1993). Articles 2 and 3 of the authorisations granted pursuant to cease to have effect upon the entry into force of this law.
Contracts concluded prior to the entry into force of this law shall apply to the law in force at the time of entry into force of the law.
The Ministry of trade and industry before the entry into force of this law in accordance with the formula approved by the National Board for consumer policies separately adopted by or home sales documents may be used in the years of the entry into force of the law.
THEY'RE 79/2000, 24/2000, TaVM EV 140/2000, the European Parliament and Council Directive 97/7/EC (397L0007); OJ No l L 144, 4.6.1997, p. 19, the European Parliament and Council Directive 97/55/EC (397L0055); OJ No l L 290, 23.10.1997, p. 18-13 December 2001/12: this law shall enter into force on 1 January 2002.
Contracts concluded prior to the entry into force of this law shall apply to the law in force at the time of entry into force of the law.
THEY'RE 89/2001 18/2001, EV, TaVM 139/2001 of the European Parliament and of the Council Directive 1999/44/EC (31999L0044); OJ No l L 171, 7.7.1999, p. 12, 28.12.2001/1547: this law shall enter into force on 1 March 2002.
Before the entry into force of the law can be used to take the measures needed to implement the law.
THEY LaVM 23/105/2001, 2001/191/2001, conduct, EV 391: this law shall enter into force on 1 July 2002.
Before the entry into force of the laws of the commitments and agreements shall apply to the provisions of the law in force at the time of entry into force.
THEY'RE 14/2002, TaVM 5/2002, EV 52/2002, Council Directive 85/577/EEC (31985L0577); OJ No l L 372, 31.12.1985, p. 31, Council Directive 93/13/EEC (31993L0013); OJ No l L 95, 21.4.1993, p. 29 5 June 2002/460: this law shall enter into force on 1 July 2002.
THEY 194/2001, TaVM 4/2002, EV 44/2002 of the European Parliament and of the Council Directive 2000/31/EC (300L0031); OJ No l L 178, 17.7.2000, p. 1 15.8.2003/741: this law shall enter into force on 1 January 2004.
Before the entry into force of the law, born of the kuluttajasaatava expires as the debt limitation Act (763/2003) section 21 provides.
THEY'RE 187/2002, 28/2002, TaVM EV 281/2002 of 21 January 2005/29: this law shall enter into force on 1 April 2005.
Contracts concluded prior to the entry into force of this law shall apply to the provisions in force at the time of entry into force of this law. Section 3 of Chapter 7 of the law applies, however, if the financial service or an extension of the financial instrument is used after the entry into force of this law in this respect.
THEY 122/2004 TaVM 20/2004, EV 166/2004 of the European Parliament and of the Council Directive 2002/65/EC (32002L0065); OJ No l L 271, 9.10.2002, p. 16 on August 29, 2008/561: this law shall enter into force on 1 October 2008.
THEY'RE 32/2008 2008-11, EV, TaVM 67/2008 of the European Parliament and of the Council Directive 2005/29/EC (305L0029); OJ No l L 149, 11.6.2005, p. 22, 13 March 2009/140: this law shall enter into force on 1 September 2009.
Before the date of the entry into force of the laws which have been in force at the time of entry into force of the law applies.
70/2008 16/2008, LaVM, EV 5/2009, 6 November 2009/8: this law shall enter into force on 1 February 2010.
Contracts concluded prior to the entry into force of this law shall apply to the entry into force of this law, the provisions in force.
THEY'RE 64/2009, TaVM 13/2009, EV 132/2009 of the European Parliament and of the Council Directive 2002/65/EC (32002L0065; OJ No l L 271, 9.10.2002, p. 16.




22 December 2009/1395: this law shall enter into force on 1 January 2010.
This law, Chapter 7, section 24 of the Act, however, will enter into force on 1 February 2010.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY 161/2009, HaVM 18/2009 2009-30 April 2010, the EV 205/291: this law shall enter into force on 1 may, 2010.
This law shall apply instead of the date of entry into force of this law, the provisions in force, if it is required for the procedure, on the basis of which the account holder's liability, took place before the entry into force of this law. To the extent that the tag has been used since the entry into force of this law, means is, however, subject to this Act, at the time of entry into force of this law, the application of the law in force does not lead to an account in the name of the holder of a more favourable outcome.
THEY'RE 169/2009, TaVM 4/2010, EV 38/2010 of the European Parliament and of the Council Directive 2007/64/EC (32007L0064) OJ No L 319, 5.12.2007, p. 1-27 August 2010/746: this law shall enter into force on 1 December 2010.
Contracts concluded prior to the entry into force of this law shall apply to the entry into force of this law, the provisions in force.
Contracts concluded prior to the entry into force of this law shall, however, continue to section 13 (1) and (2) of subsection (4), article 14 and article 25.
Before the entry into force of this law, in addition to a one-time credit carried out the law applicable to contracts relating to section 23.

Before the entry into force of this law, in addition to ongoing credit carried out the law applicable to contracts relating to 24, 30-32, and article 46 and 47 of the Competition Act, in so far as the transmission of the information to the consumer on a regular basis, provides a permanent way, 2 torque as well as 3 in so far as it provides for the transmission of the information to the consumer on a regular basis in a durable way and credit limit were exceeded, of the situations, the information.
THEY'RE 24/10/2010, 2010, TaVM EV 89/2010 of the European Parliament and of the Council Directive 2008/48/EC (308L0048); OJ No l L 133, 22 May 2008, p. 66, of the European Parliament and of the Council directive 2009/22/EC (309L0022); OJ No l L 110, 1.5.2009, p. 30 11/03/2011/227: this law shall enter into force on 15 June, 2011.
Contracts concluded prior to the entry into force of this law shall apply to the provisions in force at the time of entry into force of this law.
THEY'RE 220/2010 TaVM 39/2010, EV 289/2010 of the European Parliament and of the Council Directive 2008/122/EC (32008L0122); OJ No l L 33, February 3, 2009, p. 10-30 November 2012/684: this law shall enter into force on 1 January 2013.
THEY TaVM 9/108/2012, 2012, EV 98/2012 31.1.2013/133: this law shall enter into force on 1 September 2013.
Before the entry into force of the law can be taken in the implementation of the law.
THEY LaVM 15/124/2012, 2012, EV 15.3.2013/207/158 of the 2012: this law shall enter into force on 1 June 2013.
Contracts concluded prior to the entry into force of this law shall apply to the provisions in force at the time of entry into force of this law. What is Chapter 7, section 13, subsection 2, paragraph 3, and (3) shall apply also to contracts concluded before the entry into force of this law the related transactions.
THEY are 78/15/2012, 2012, TaVM EV 3/13 30.12.2013/1211: this law shall enter into force on 13 June 2014.
Contracts concluded prior to the entry into force of this law shall apply to the provisions in force at the time of entry into force of this law.
Contracts concluded prior to the entry into force of this law shall, however, continue to Chapter 2, section 14.
THEY TaVM 34/157/2013, 2013, EV 174/2013, the directive of the European Parliament and of the Council of 2011/83/EC (32011L0083); OJ No L L 304, 22 November 2011, p. 64, for a European Parliament and Council Directive 2005/29/EC (32005L0029); OJ No L L 149, 11.6.2005, p. 22