Payment&refund

Delivery terms Online store contact information:

Finstanko Oy, employment ID number 335952-7,

Email: info@instanko.fi, Tel. 040 7733064.

Postal address: Niittyrinne 6 B, 02270, Espoo

Ordering The products to be ordered are selected on the website by adding them to the shopping cart. The order is sent by paying for the contents of the shopping cart in the checkout function of the online store. By placing an order, you accept these terms of delivery, product prices and delivery costs. If an e-mail address is given at the time of ordering, an order confirmation will be sent by e-mail. The order confirmation shows the ordered products and the price.

Payments

Visma Pay (Visma Payments Oy, business-id FI24865594) is the payment facilitator of the online shop. Visma Payments Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of Visma Pay. Visma Pay or Visma Payments Oy is shown as the receiver of your payment in the bank account listing and in your invoice. Paying with Visma Pay is safe. All information is exchanged through secured connections.

The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade. 

Read more about Visma Pay: https://www.visma.fi/vismapay/

Payment methods

With Visma Pay you can pay your order by an internet banking account, a wallet, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, Jousto, Alisa Lasku, Alisa Yrityslasku, MobilePay, Masterpass, Pivo, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards.

MobilePay: You can pay with your MobilePay wallet if you have allowed online payments in the settings of the MobilePay application. Payment via MobilePay takes place directly from the payment card linked to MobilePay. If charging the payment from the linked card fails, MobilePay can not be used in the online shop.

Pivo: Terms and conditions of Pivo can be found here: https://pivo.fi/kayttoehdot/pivon-kayttoehdot/

Jousto invoice and part-payment is a Finnish service for making purchases quickly and safely. Jousto is for private persons having their economy in balance. With Jousto you will get 30 days time to pay without interest or expenses. After you have received an invoice, you can decide to pay it at once or in parts. You can pay our purchase in up to 36 parts, starting from 9,90 eur/month. Expenses for Jousto part-payment are 3,90 eur/month and 19,90% interest. With Jousto you can pay purchases from 30 to 3000 eur. Aurajoki Nordic Oy issues the credit. Read more from www.jousto.com.

OP Lasku: A flexible invoice payment method. OP Lasku serves all Finnish banks' customers. Suitable for online purchases of up to 5000 € with an interest-free payment term of 45 days. The instalment option adds flexibility to purchases. Your purchases are visible in one place so you can easily keep track of them. Invoices are sent to you by email. To use OP Lasku, you must be solvent and over 20 years old. More information available at: https://www.op.fi/henkiloasiakkaat/paivittaiset/maksaminen/op-lasku

Alisa Invoice is a flexible and safe payment method. The payment method is suitable for all consumers over the age of 20 for all types of purchases. If you wish, you can split the bill into smaller parts and pay back in up to 60 installments. You can find more information about Alisa Lasku at: https://www.alisapankki.fi/

Alisa Yrityslaku is a flexible and safe payment method for companies. The payment method is suitable for all finnish companies regardless of their corporate form. The buyer's right to purchase is verified digitally and the purchase takes only a few minutes. The buyer can choose a suitable payment period from three different options: 14 days, 30 days or 60 days. You can find more information about Alisa Yrityslasku at: https://www.alisapankki.fi/

Contact Visma Pay

Visma Payments Oy (business-id FI24865594)
E-mail: helpdesk@vismapay.com
Telephone: +358 9 315 42 037 (workdays 9-16)
Address: Brahenkatu 4, 53100 Lappeenranta, Finland

All products and services sold in the online store include VAT of 24%. Purchase A purchase is created between the customer of the online store and the online store. The online store is responsible for all obligations related to the store.

Privacy statement

Finstanko OY is committed to protecting the privacy of its customers and offers the opportunity to influence data processing. From your customer account, you can limit the use of your data or get in touch using the contact form.

  Registrar

Finstanko Oy / Instanko.fi

Niittyrinne 6 B 02650 Espoo

  Purpose of personal data processing

The information in the customer register is used for the processing of customer orders, invoicing and customer care, as well as information related to the customer relationship.

Providing identification, contact and payment information is mandatory when purchasing from Instanko.fi via the Internet.

  Data content of the register

-Customer-identifying information (name, address, telephone and e-mail address)

-Username and password for registered customers

-From those who purchased products, purchase-related information about purchased products and order-specific invoicing/delivery address information.

-Personalized information provided by the customer and information collected according to the customer's purchase history

- Information about the customer's behavior collected from the use of our website.

Regular sources of information

Information is collected from the customer himself during registration, when placing an order, through the customer's own customer account, and when the customer is in contact with our customer service either by phone or e-mail and by personally doing business in our store. In addition, information related to the customer is collected automatically when the customer uses our website.

Regular transfers of information

Information is handed over to the authorities in cases required by law, such as investigating abuses. Data can be transferred to the systems of third parties operating on behalf of Instanko.fi who maintain or develop the service.

  Data transfer outside the EU/EEA area

Information will not be transferred outside the EU / EEA countries, unless it is necessary for the technical implementation of Instanko.fi's or a partner's service. In this case, Instanko.fi takes care of the level of data protection.

What is my personal data used for?

Personal data is used

- To maintain the customer

- For delivery, processing and archiving of orders

- for the development of Instanko.fi's operations and services

- To improve the customer experience

- For analytics and statistical purposes

-To produce more personally targeted content and marketing

- To prevent abuses

- To provide better customer service

  The information is processed based on the customer relationship between the customer and Instanko.fi, the contract, the use of the site, the customer's separate express consent or legal obligations.

  Principles of registry protection

The information in the register is stored in a system that requires personal user IDs to use. The system is protected by firewalls and other technical means. The register's information is located in locked and guarded premises. The user IDs needed for the system are granted only to the employees of the registry operator.

In the processing of personal data and technical solutions, we follow good data protection practices, e.g. data consolidation, minimization, pseudonymization, anonymization and encryption. In the processing of personal data, the requirements of the EU data protection regulation applicable from 25 May 2018 have been taken into account.

All access to personal data is monitored in accordance with good practices

 Right of inspection

The registrant has the right to check the personal information stored in the register and to receive a copy of it. You can download the information by logging into your customer account and opening the "My personal information" link.

The right to demand correction of information or deletion of information

The customer can update their own contact information via the Instanko.fi website or request to delete the information completely by contacting us using the contact form.

 Will my personal data be transferred to third parties?

We may disclose some necessary information to third parties to guarantee delivery and for marketing purposes. Your information is also forwarded to the credit granting agency in connection with the credit decision Visma Payments Oy.

Are cookies used on the store's website and what are they?

Instanko.fi uses cookies ("cookies") and other similar technologies, such as the browser's local storage ("local storage"). Cookies are small text files between the end device's browser and the server. Cookies and other identifiers have a defined validity period, after which the browser deletes the identifier. We use these technologies to implement functions, for personalization and for analytics and marketing targeting.

Functional cookies and local storage are used e.g. for customer identification, login maintenance and Shopping Cart functions. The use of cookies and local storage and acceptance of their use is mandatory for these functions. Functional cookies set by the server and local storage variables remain in the browser for 15 min-24 months, unless they are separately deleted from the browser settings. Visiting the site resets cookies and local storage variables if the browser allows it.

We use Google Analytics, Google Tag Manager, Google AdWords, Google Display Network and Google DoubleClick for analytics related to the use of our site, popular products, trends and sales and, with your consent, also for marketing targeting. The information sent to Google is anonymized.