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Terms of Use and Privacy Statement

Terms of use
OP Financial Group
Service providers
Other service providers
Regulator and contact information
Service provider's liability
Intellectual property rights
Messages sent via the public network
Other terms

Terms of use

These terms of use apply to the use of OP Financial Group's eServices. Read these terms carefully before you use the Services. By using the site, you indicate that you accept these terms of use.

Individual pages on the website may include special service-specific terms to be primarily applied in addition to these terms. The use of services requiring user identifiers for OP Financial Group's eServices shall also be governed by the General Terms and Conditions for User IDs for OP Financial Group member banks and OP eServices, and similar terms applying to OP Financial Group's other units.

The OP eServices is designed for use in Finland. The laws of Finland shall apply to these Services, regardless of the country in which they are accessed.

OP Financial Group

OP Financial Group comprises OP Cooperative, its Group companies (such as OP Corporate Bank plc, OP Insurance Ltd, OP Life Assurance Company Ltd and OP-Services Ltd), OP Cooperative's member banks, OP Financial Group Mutual Insurance Company, OP Bank Group Pension Foundation, OP Bank Group Pension Fund, and other existing and future companies, entities and foundations, over which at least one of the aforementioned organisations alone or together exercises control.

OP Financial Group credit institutions, financial services providers and insurance companies form a financial and insurance conglomerate referred to in the Act on the Supervision of Financial and Insurance Conglomerates (699/2004).

Service providers

The primary service provider at op.fi is OP-Services Ltd and those at pohjola.fi OP Corporate Bank plc and OP Insurance Ltd.

Information on the primary service providers

Name
OP-Services Ltd (Business ID: 2241010-7)
P.O. Box 909, 00101 Helsinki

OP Corporate Bank plc (Business ID: 0199920-7)
P.O. Box 308, 00013 OP

OP Insurance Ltd (Business ID: 1458359-3)
Gebhardinaukio 1, 00013 OP

Other service providers

Contact information on other service providers within OP Financial Group and on external service providers is available in connection with their services.

Regulator and contact information

The Finnish Financial Supervisory Authority oversees the operations of credit and financial institutions, fund management companies and investment firms and insurance companies belonging to OP Financial Group. The regulator's contact information is as follows:

Financial Supervisory Authority
Snellmaninkatu 6 and Mikonkatu 8
P.O. Box 103, 00101 Helsinki
Tel. +358 (0)10 831 51

Service provider's liability

The content of the service shall be provided without commitment and "as is". Any information provided on this website is not to be considered a binding offer, other binding expression or recommendation to enter into transaction, an offer or recommendation to sell or buy securities or other financial instruments, unless otherwise expressly agreed. The service provider makes no warranty as to the service content - such as published texts, images, audio files, animations, counters and any other information stored therein - or the service functionality.

The service provider is not responsible for the functionality of services accessible via this online service or for the operations of external service providers or for the content of the services they provide. The service provider is not responsible for the suitability of the information or other material for trading or other specific purposes. Clients shall bear responsibility for the financial outcome of their investment.

The service provider is not liable for any expenses, losses or any other damage or loss that may result from the use of this website or advice or other information given on this website.

Intellectual property rights

Copyrights and other intellectual property rights relating to this website belong to OP Financial Group or a third party separately notified. The material may be viewed, browsed and saved on the customer's terminal equipment and parts thereof may be printed out for personal use. The copying, saving, reproduction, adaptation, modification, transfer, assignment or other exploitation in full or in part of the material presented on the OP eService is prohibited without the Service Provider's prior written permission.

Messages sent via the public network

The confidentiality of email messages sent via the public network cannot be guaranteed. At the customer's request, the service provider has the right to send material containing general information to the customer's email address or mobile phone. The service provider shall send information subject to banking secrecy or insurance secrecy to the email address or mobile phone only if the customer has given prior consent thereto. The service provider is not liable for any loss or damage caused by messages sent via the public network.

Other terms

Securities investment services and other investment services will not be offered to any person residing in the USA and to companies and institutions conducting their business from the USA.

Securities investment services and other investment services will not offered to any person residing in the USA and to companies and institutions conducting their business from the USA.

OP Financial Group may change these terms of use, the content, layout and availability of the OP eServices and the specifications of equipment required for the use of the OP eServices, prevent access to this website and suspend or discontinue the service.

 

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