Website terms of use

Terms of use

These constitute the terms of use of OP's website. Please read these terms carefully before you use OP's website. 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 OP user identifiers are governed by the General Terms and Conditions for User IDs for OP Financial Group Group member cooperative banks and OP eServices or other similar terms applying to OP Financial Group’s other companies.

OP's website is intended for use in Finland. The laws of Finland shall always apply to the use of the website, irrespective of the country from which it is used.

OP may change these terms of use, the content, layout and availability of the website and the specifications of equipment required for the use of the website or prevent access to the website or close the website without notifying thereof in advance.

Service provider

OP Financial Group may offer on this website services provided by Group companies. All Group companies are individually called "service provider" in these terms.

OP Financial Group comprises OP Cooperative, its Group companies (such as OP Corporate Bank plc, Pohjola Insurance Ltd, OP Life Assurance Company Ltd and OP-Services Ltd), OP Cooperative’s member banks, OP Bank 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).

Other service providers

This website may also show services offered by external service providers  whose contact information appears from the context of the service concerned.


The Finnish Financial Supervisory Authority oversees credit and financial institutions, fund management companies and investment firms and insurance companies belonging to OP Financial Group.

Finnish Financial Supervisory Authority
Snellmaninkatu 6, P.O. Box 103
00101 Helsinki

The Data Protection Ombudsman supervises compliance with regulations governing personal data.

Office of the Data Protection Ombudsman
Lintulahdenkuja 4, 00530 Helsinki
PO Box 800, 00531 Helsinki, Finland

The Finnish Communications Regulatory Authority supervises compliance with the Act on Strong Electronic Identification and Electronic Trust Services.

Finnish Communications Regulatory Authority
Itämerenkatu 3 A, P.O. Box 313
00181 Helsinki

Non-judical dispute resolution bodies

Customers may have the opportunity to submit demands towards OP to the impartial and independent dispute bodies listed below. More detailed information on the dispute resolution bodies is available on their websites.

Finnish Financial Ombudsman Bureau
Finnish Insurance Complaints Board, Banking Complaints Board and Securities Complaints Board

Porkkalankatu 1

Consumer Disputes Board
Hämeentie 3, P.O. Box 306

Use of authentication credentials in eServices

Use of Authentication Credentials approved by OP in eServices is equivalent to the customer's signature. Using User Identifiers issued to corporate and institutional customers is equivalent to their official signature under the Trade Register, the Register of Associations or the Register of Foundations.

Service provider’s liability

This website provides general information on OP and services offered. The content of the website 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 the website 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.

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. Clients shall bear personal responsibility for the financial outcome of their investment.

Intellectual property rights

Copyrights and other intellectual property rights relating to this website belong to an OP Financial Group company or a third party separately indicated. The material may be viewed and browsed on,  and saved to, 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 of the material for commercial purposes presented on the website is prohibited.

Messages sent via the public network

Users are reminded that 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 bank 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.