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General Terms for Use of OP Financial Group's OP eServices

Read these terms carefully before you use OP eServices.

By accessing OP Financial Group's website, you agree to be bound by these terms. Individual pages on the website or OP eServices may include special terms to be applied in addition to these terms. The use of services requiring network user identifiers of OP Financial Group shall also be governed by the General Terms of Agreement Concerning the Use of OP Financial Group Internet Service and User IDs and similar terms applying to OP Financial Group's other units. OP eServices are designed for use in Finland. The laws of Finland shall apply to OP eServices, irrespective of the country from which they are used.

Service Providers

OP Financial Group's OP eServices may include services provided by OP-Services Ltd, its member banks or by affiliates of either of them (hereinafter the Service Provider) and by external service providers. OP-Services Ltd shall act as the primary service provider.

Information on the primary service provider
Name: OP-Services Ltd
Business ID: 2241010-7
Address: Gebhardinaukio 1, P.O. Box 308, FI-00101 Helsinki, Finland
Telephone number: +358 (0)10 252 010
E-mail: 01000500 @ op.fi

Other service providers
Contact information on other service providers within OP Financial Group and on external service providers is available in connection with the services they provide.

Regulators and contact information
The Finnish Financial Supervision Authority oversees the operations of credit and financial institutions, fund management and investment companies and insurance companies belonging to OP Financial Group. Its contact information is as follows:
Financial Supervision Authority
Snellmaninkatu 6 and Mikonkatu 8
P.O. Box 103, FI-00101 Helsinki, Finland
Tel. +358 (0)10 831 51

Service Provider's responsibilities
Securities investment services and other investment services will not be offered to any persons residing in the USA and to companies and institutions conducting their business from the USA. The content of the service shall be provided without commitment and 'as is'. Any information provided on this website is not under any circumstances 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. No warranties shall be given to the content or functionality of the services. Texts, images, audio files, animations, counters published on OP Financial Group website and any other information stored therein shall be delivered without guarantee for their performance.
The Service Provider is not responsible for the functionality of services accessible via this public network 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 customer is responsible for the financial results of his investment activities. The Service Provider reserves the right to discontinue the provision of access to this website and update the website.

Liability for loss or damage
The Service Provider is not liable for any expenses, losses or any other damage that may result from the use of this website or information on this website, regardless of whether the Service Provider had had knowledge of an error in the service.

Proprietary and intellectual property rights
Proprietary rights, copyrights and other intellectual property rights to the material (such as texts, images or voices) available through OP Financial Group's OP eServices belong to OP Financial Group or its partners. 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 whole or in part of the material presented on the OP eServices is prohibited without the Service Provider's prior written permission. Violation of intellectual property rights may lead to prosecution and liability for damages.

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. The Service Provider has no obligation to implement any service requests that are delivered via the public network.

Privacy policy
OP Financial Group handles personal information in accordance with applicable legislation in force. The Group collects information from the registered person himself, registers maintained by the authorities, the credit data register and other registers, in which case the registered person has given consent to the collection of personal information. Personal information may be used for the development of OP Financial Group's services and operations and for risk management, direct marketing and other customer relationship management. Said information is handed over only within the limits permitted by legislation. The Group may tape customer calls and record messages in order to verify their contents, if the service so requires.
The file description as referred to in the Personal Data act is available from the registrar determined on the basis of customer relationships. For example, the OP Financial Group member bank with which the customer has an account is the registrar maintaining customer data.

Other terms and conditions
At its discretion, OP Financial Group may change these terms for use, the content, layout and availability of OP eServices and the specifications of equipment required for the use of OP eServices, prevent access to OP Financial Group's website and suspend or discontinue OP eServices.

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