The Seutu+ application is a program to download on mobile devices
(hereinafter “Application”) and a digital service (hereinafter “Service”)
to purchase electronic tickets and travel cards and for related transmission
of payments. The Service can also be used via web browser (“Web user interface”).
The owner of the Service is iQ Payments Oy, registered in the business register
maintained by the Finnish Patent and Registration Office (hereinafter “Service provider”),
Business ID 2564925-2. The Service provider operates as a trader referred to in
consumer protection legislation in terms of providing payment transmission
services and the Service to consumers. The Service provider’s main branch
of activity is computer system and software consultation, other corporate
services and other service operations related to equipment and information
technology. The Service provider’s geographical address in the country of
establishment, and the address of the place of work managing customer relations,
is as follows: Linnankatu 13a A 18, 20100 Turku.
These contractual terms shall be applied to the use of the Service. The Service
provider shall be entitled to unilaterally modify these contractual terms
(“Contractual terms”). By continuing to use the Service, you accept these
Contractual terms and the amended terms in their current form. You will be
notified of term updates in the Service. By means of the Service, you will
be offered alternative ways to pay for services or products sold by various
merchants. You also commit to meet the contractual terms for the selected
method of payment and for the Merchant in question.
There are three parties to the contract: The Service provider, the producer of
the service purchased (“Merchant”), and you, the Customer (“Consumer”).
The Service provider only acts as the agent transmitting the tickets and
the related payments, which is why the exact amount of the payment charged
from the Customer depends on the purchase decision made by the Customer in
The contract is made as you begin to use the Service as mentioned below in
section 5. As the user of the Service, you also enter into a contract on the
use of the Service (“Contract”) with the Service provider as indicated in
these Contractual terms.
Advance information on distance contracts has been provided according to
Finnish legislation. The customer will be able to receive the advance
information and the Contractual terms electronically and to receive the
contractual terms in printed form upon request during the contractual
relationship. The customer may receive this information in Finnish and
in English, and the Service provider shall be committed to using Finnish
and English during the contractual relationship.
You must be 18 years old or a major. With the permission of parents, children
may also use the Service under the supervision of their parents.
The Service provider shall be entitled to verify your identity if required
by the applicable legislation.
The Service is intended only for private use and legal purposes. Using the
Service is personal, and only you are entitled to use it.
The Service may be used by registering or without registration.
For registration, you must have:
* a mobile phone number
* a valid e-mail address.
You shall be liable for the correctness and the up-to-dateness of the
information you provide in the Service. This applies to information such
as the number of your payment card, your mobile phone number and your
e-mail address. The Service provider shall not be liable for the
correctness of the information.
You shall be liable to immediately notify of changes to your name, personal information, address or other contact information in writing, by e-mail
or via the Service user interface. By accepting this contract, you allow
the Service provider to verify your personal information, your address and
your credit standing in connection with each payment transaction.
The Service provider shall be entitled to prevent the use of the Service
if the information you provided is incorrect or if your credit information
Once you begin to use the mobile application (“Application”), you must
create a personal PIN code and password for the Application. The PIN code
must not be easy to guess, such as 0000, 1234 or your date of birth.
The PIN code is personal, and it must not be divulged to others. You
should store your PIN code carefully so as to prevent outsiders from
discovering it or using it. The PIN code must not be written down next
to your phone or stored in a mobile device.
You shall be liable to immediately notify the Service provider if
another individual may be in possession of your PIN code. The notification
may be made at any time by communicating the username to cancel by e-mail
at firstname.lastname@example.org. The notification must be sent from the same
e-mail address which is used for your registration. Once the Service
provider has closed your account, you will receive a notification by
Your user account will remain closed until you have contacted the
Service provider’s customer service to receive instructions for reopening
your account. The Service provider may close your account without receiving
a notification from you if the Service provider has suspicions of
The Service provider shall notify you immediately if it has been necessary
to close your account. While using the Service, you must also comply with
other contractual terms which bind you, such as those of a bank, an operator
or a creditor.
To prevent the misuse of the Application, you shall be liable to store
your mobile device so that outsiders cannot use the Application freely.
Where possible, you must lock your mobile device using a passcode which
you must not reveal to others.
You shall be liable for the unauthorized use of the Service if you have
allowed the Application or Web user interface to be used by an unauthorized
person, you have neglected to store your PIN code safely, or you have
not immediately notified the Service provider that others may be in
possession of your PIN code and the Application or the user account
created in section 5.
You shall not be liable for the unauthorized use of the Service where
the Service has been used after you have requested that the Service provider
close your account and after you have received a confirmation on the closure
of your account as described above in this section of the contract.
Since the payment instructions you make are immediately executed,
payment instructions cannot be canceled once you have approved them.
According to the law, there is no right of cancellation if the parties
to the agreement have already met their contractual obligations in full
upon the explicit request made by the Customer. The Service provider
only acts as an agent transmitting the payment, and you must agree on
the return of the payment with the Merchant. The return process may be
initiated through the Service provider’s website, the Service, by e-mail
or by phone. The Merchant’s contact details are available in the receipt
you receive by e-mail.
You shall be liable to regularly monitor the payment instructions you
make via the Service, and you must inform the Service provider of
unauthorized payment transactions without unnecessary delay after
discovering such transactions.
Should you find that payment instructions made using the Service
have been incorrectly executed, you must immediately contact the
company providing the payment method used, such as the bank issuing
the credit card which has been linked to your user account. The bank
or the company providing the method of payment shall examine incorrectly
executed payment transactions.
This Contract shall be in force until further notice. You may terminate
the Contract within thirty (30) days of sending a notice of termination
by e-mail to the Service provider’s customer service. Please note that
the Contract shall not be terminated simply by uninstalling the Application
on your own mobile device.
The Service provider may terminate this contract within thirty (30)
days of termination. The Service provider shall notify you of the
termination by sending a notification to the e-mail address you have
provided when registering for the use of the Service.
The Service provider shall be entitled to immediately terminate
the contract if you have significantly violated the terms related to
the use of the Service. The Contract and your right to use the Service
shall be terminated once the Service provider has sent a notification
of termination to the e-mail address you have provided when registering
for the use of the Service.
The Service provider shall reserve all intellectual property rights
to the Application, the Web user interface and the system developed,
the related technology and the contracts and documents which you may
access based on this Contract.
The user shall accept and understand that the user shall not be
entitled to sell or commercially utilize the Application, the Web user
interface, the Service, or its contents. The user of the Service shall
not have any rights of access to the underlying software or the source
code of the Service.
You shall be liable for the operation of your own mobile device
and other technology. The Service provider shall not be liable for the
operation of your devices or their connection to a network operator.
The Service provider shall be liable for its own software and the
data security related to its use. The Service provider shall secure
user data to the best of its ability. No data protection system is
perfect, and data security risks exist in all systems. The user of
the Service shall accept and understand that network-based data
transfer can never be fully private or secured.
The Service provider shall be liable for indirect damages caused by
its own negligence where a causal connection exists between such
damages and the Service provider’s actions in violation of the law
or the contract and where the Service provider could reasonably have
anticipated them. The liability only applies to foreseeable damage
types and damage quantities and is limited to fifty (50) euros.
Liabilities based on a causal connection and independent of
negligence shall only cover direct damages.
You shall be liable to take reasonable measures to limit damages.
Should you neglect to limit damages, you shall be liable for damages
in this regard.
The Service provider shall not be liable for damages due to measures
taken by the authorities, interruptions to general traffic or payment
transactions, strikes, lock-outs, boycotts, trade blockades or other
equally significant and unusual events which take place regardless
of the Service provider.
The Merchant is a data controller (“Controller”) referred to in
personal data legislation, and the Service provider is a processor
of personal data dealing with the personal data of the registered Customer
(“Data subject”) for and on behalf of the Controller.
The Service provider shall process, for and on behalf of the Controller,
the personal information provided when logging in the Service. The
Service provider shall keep records of the processing activities
carried out for the Controller.
In its activities, the Service provider shall be committed to comply
with the applicable legislation on the processing of personal data
and data protection and to follow the instructions provided by the
Controller when processing personal data received from the Controller.
In connection with providing the Service, the Service provider shall
implement technical and organizational measures to ensure the safety
of personal data processing as provided in personal data legislation.
The Service provider shall ensure that all individuals entitled to
process personal data received from the Controller as part of the
Service are committed to the obligation of secrecy, or they are
bound to the appropriate statutory obligation of secrecy.
After the termination of the provision of the Service, the Service
provider shall return to the Controller the personal data processed
by the Service provider for and on behalf of the Controller. The
Service provider shall also delete potential duplicate personal
data remaining in its systems unless the preservation of such
personal data is required by European Union legislation or national
legislation. After the termination of the provision of the Service,
the Service provider shall be entitled and liable to preserve
personal data for a reasonable period of time which is required
and necessary in order for the Service provider to meet its
statutory obligations, such as the obligation to inform.
The Service provider shall not transfer personal data outside
of the EU or the EEA without a prior written permit from the
Data subjects shall be entitled to request that Controller grant
them access to their personal data and to request the correction
or deletion of such data, or the limitation of data processing,
or object to data processing, and they shall be entitled to
transfer the data from one system to another. The Service
provider shall notify the Controller of requests made by data
subjects to exercise their rights under the data protection
Data subjects may send their requests to the following e-mail
The Service provider shall not be liable for the products and
services sold by Merchants, their quality or delivery. Instead,
the sole duty of the Service provider in this chain of services
is to transmit tickets and the related payment services. The Service
provider shall not be liable for agreements made between Customers
and Merchants. You must agree with the Merchant on potential product
returns, reclamations and the return of the purchase money.
In disputes related to agreements between yourself and a Merchant,
claims must be made to the Merchant. The Service provider shall in
no case be liable for disputes or agreements between Customers and
Merchants or Merchants’ contractual obligations.
Reclamations related to the purchase of tickets and the transmission
of payment instructions shall be made by e-mail at
email@example.com. Reclamations should be made within a reasonable
amount of time after detecting an error in ticket purchase or the
transmission of a payment instruction, but no later than two months
after detection of the error.
A reclamation for a product or service purchased should be made to
the Merchant whose contact details are on the ticket received by
This Contract is governed by Finnish law or, where consumer legislation
so provides, by the law applicable in the country of residence of the
Customer regardless of the country in which the Service is used, provided
that the Service provider engages in commercial or professional activities
in the country of residence of the Consumer, or activities in any way
targeting such a country or several countries in which the country
concerned is included. If differences related to the contract cannot
be solved by negotiation, differences will be settled in the district
court which has jurisdiction in the place of business of the Service
provider or in the place of management of the Service provider’s operations.
A claim based on consumer protection legislation made by the Customer to
the Service provider may also be examined at the district court which
has jurisdiction in the place of residence or permanent domicile of the
customer. If the Customer does not reside in Finland, the differences will
be settled at the district court which has jurisdiction in the place of
business of the Service provider or in the place of management of the
Service provider’s operations.
The Customer may also request the settlement of disputes related to a
consumer contract by a consumer disputes board external to the court,
as provided in the Act on the Consumer Disputes Board (8/2007). A written
application to a consumer disputes board may be submitted for the settlement
of the dispute after the consumer has contacted a consumer information
service. Further information on the procedure is available at the following