Terms of Use

Last updated 3 Sep 2026.

1. Operator and acceptance

This website is operated by FinBanks Guide. By using the site you accept these terms of use.

2. Information only — not financial advice

The content of this website is provided for general information only and does not constitute investment, financial, legal or tax advice, nor an offer or recommendation of any financial product. Always verify current terms directly with the provider and consult a licensed professional (in Finland, one supervised by the Financial Supervisory Authority) before making financial decisions.

3. Independence

This website is independent and is not owned, endorsed or sponsored by any bank or financial institution. All trademarks, product names and logos mentioned belong to their respective owners and are used solely for identification purposes.

4. Accuracy and no warranty

Content is provided “as is”. We make reasonable efforts to keep information current but do not warrant its accuracy, completeness or timeliness. Rates and terms of third-party products may change — always verify with the provider.

5. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect or consequential loss, or for decisions made in reliance on the content. Nothing in these terms excludes or limits liability for damage caused by intent or gross negligence, or restricts mandatory rights under the Finnish Consumer Protection Act (38/1978).

6. Intellectual property

The site’s text, layout and original graphics are protected by copyright (Finnish Copyright Act 404/1961). You may use the content for personal use and quote it with attribution. Third-party trademarks remain their owners’ property.

7. External links

Links to third-party sites are provided for convenience. We have no control over and accept no responsibility for their content, availability or privacy practices. A link is not an endorsement.

8. User conduct

You must not use the site unlawfully, scrape it abusively, or attempt to disrupt the service. Misuse of the contact form (spam, unlawful content) is prohibited.

9. Changes

We may modify these terms. Continued use after changes constitutes acceptance. Material changes are indicated by updating the date.

10. Governing law and disputes

These terms are governed by the laws of Finland. Disputes are resolved in Finnish courts; a consumer may also bring the matter to the district court of their domicile or to the Consumer Disputes Board (kuluttajariita.fi).

11. Severability and contact

If any provision is found invalid, the remaining provisions stay in force. Questions: [email protected].

In case of discrepancy, the Finnish version prevails.