Security and terms of use

Online security

Your connection to the online service in the online store will be closed automatically after 30 minutes if the online service is not used and you have forgotten to end the session.

We also serve by email. Turva's email addresses are in the format firstname.lastname(at)turva.fi. If your matter is urgent, you should call or log in to the online service and send a message to our customer service there. The confidentiality of open email cannot be guaranteed. The transmission of sensitive or otherwise confidential information must be avoided in an open information network. We will only send a customer's banking and insurance secrecy information by email with the customer's consent. To handle such matters, we recommend logging in to the online service, where communication is protected. Turva's online services that ask for more detailed personal data, such as personal identity codes, are SSL encrypted. The customer is responsible for the accuracy of the information provided and for the arrival of the message. Turva sends marketing messages to its private customers by email only if the customer has given their consent.

Phishing refers to a practice where the sender impersonates someone else and tries to use a false identity to obtain information from the customer, such as a credit card number. The email may prompt the customer to log in to an Internet page where the information is requested.We recommend that you log in to the online service via the "Log in" link on the turva.fi website. If you use your own home computer and are sure that no untrusted party can access your information, you can save the login page address to your favourites.Do not reply to messages if you are not entirely sure of their origin. Do not, under any circumstances, provide information about your banking or insurance details by email or on the Internet. Such emails may look like they come from a Turva address, but the sender may have modified the sender field to look like a Turva emailaddress. Therefore, also pay attention to the content of the message and think about what kind of messages you usually receive from Turva.Turva will never ask for online service or card PIN codes or other personal information by email. Online banking credentials are only used to log in to Turva's online service or to confirm a transaction. PIN codes are also used to identify the customer in the telephone service. In this case, the bank is given only part of the username and one one-time password, which will thereafter not be usable by the customer or by Turva.If you are unsure about the sender of a message you have received or suspect that you have given information to the wrong party, call Turva immediately on 01019 5110.

Turva takes data security very seriously. We strive to protect all our services, customers and customer data appropriately. The verification of data security in Turva's services is extensive, and the process is continuous.Security-related notifications can be sent by email to asiakaspalvelu(at)turva.fi. In order for us to deal effectively with vulnerability or security issues received at this address, it is essential that the person reporting the issue provides us with at least the following:

• Address where the vulnerability was detected
• How the vulnerability can be verified
• Report a security incident
• Contact details of the person reporting (email address)
• Other important information related to the vulnerability (for example, screenshots)

We aim to contact the person reporting a vulnerability as soon as possible after receiving the report and maintain communication while the observation is being investigated. If necessary, Turva will escalate the matter to FICORA's CERT-FI function or other authorities. We hope that the person reporting will not publish or disclose the reported observations to third parties.
We would like to emphasise that at asiakaspalvelu(at)turva.fi, we accept observations and reports related to security and vulnerabilities. The address does not provide data security advice.Turva's services may not be tested without permission or by unlawful means (chapter 38, sections 5-8 of the Finnish Criminal Code). Unlawful means include, but are not limited to, actions in which our customers' information is compromised or the continuity of our services is compromised. Any misconduct will always be investigated.SSL encryptionThe site uses SSL (Secure Socket Layer) encryption technology everywhere, so your session is protected from the start. SSL encryption is a very secure protection technology that enables a secure connection between the user's browser and Turva's server. Protection secures information sent over the network so that confidential information cannot be intercepted by third parties. SSL encryption is usually turned on by default in browsers. The establishment of an encrypted connection is usually detected by the "lock icon" that appears in the bottom or top bar. In the latest browsers, there is no lock icon, but the address bar turns green when the connection is encrypted. In a secure connection, the address begins with https://

Technical requirements

Turva's online services work best with the latest browser versions.There may be problems on the website with older browser versions.

We use cookies on Turva's website. In order for the pages and services to function correctly, you must allow the use of cookies in your browser.

JavaScript is a programming language used to manage auxiliary functions such as error messages and type fields, as well as to check the information entered. JavaScript browser support is required to use the service.

It's possible that the webpages you visit are stored in your computer's memory or on your hard disk. This means that others using the same computer will be able to search and read those pages. To avoid this, clear your browser's cache after closing the connection to the online service.

Terms of use

The publisher of this website is Turva Mutual Insurance Company (hereinafter Turva), address: Järvensivuntie 3, 33100 Tampere, Finland.The use of Turva's open website is subject to these terms of use, which we encourage you to read before visiting the pages.

The ownership, copyright and other intellectual property rights of this website belong to Turva, unless otherwise stated. Reproduction, distribution, modification or any form of commercial exploitation of the content or layout of the website without the express written permission of Turva is prohibited. Storing the information on your own computer or printing it for personal use is permitted.

This website provides general information about Turva and the services and products offered. As such, the general information on the website cannot be applied to individual cases. The information presented on the website cannot be considered an offer, invitation, commitment or other obligation binding on Turva, unless otherwise stated.The texts, images, audio files, animations, calculators and other files published on the website may contain technical or content errors, and Turva is not responsible for their functionality or accuracy.The website may contain links to services other than Turva's. Turva is not responsible for the content, availability or accuracy of the services of such external service providers.

The user of the website is responsible for the accuracy and arrival of the information provided through the website.

This website and the information contained therein are intended for the Finnish market and residents of Finland and for insuring risks located in Finland, unless otherwise agreed or stated. Turva has the right to change the content of the website or the terms of use or to discontinue the service. Turva has the right to suspend the provision of the service for the duration of maintenance and updates.

The relationship between Turva and the user of the website is governed by Finnish law.

Terms of use for digital services

These terms of use (hereinafter "Terms of Use") apply to transactions in Turva Mutual Insurance Company's digital services (hereinafter "Digital Services") and online services (hereinafter "Online Services"). In this context, Digital Services refer to service platforms provided by Turva, such as purchase and replacement applications, the mobile service, the electronic signature service, chat communications and the telephone service. In this context, Online Services refer to electronic services provided by Turva that require identification, such as the online service and mobile applications for private or corporate customers.Digital Services and Online Services are collectively referred to as Services. If a Service has its own separate terms, the Service shall primarily be governed by its own separate terms and secondarily by these Terms of Use. The user of Services is referred to as the Customer. Services are targeted to and intended for use in the Finnish market and/or for Customers domiciled in Finland, unless otherwise agreed or stated.

Services are organised and provided by Turva Mutual Insurance Company (hereinafter "Turva").

Third-party services may also be offered and transmitted on or through Services.Third-party services are offered and transmitted "as is" and without obligation. Turva is not liable for the content, availability or functionality of information or services provided by third parties, nor for any damage that may arise from their use. Turva is not a party to agreements between the Customer and third parties and is not responsible for the fulfillment of these agreements and their terms.

The Customer must carefully read these Terms of Use before using Services. By using Services, the Customer undertakes to comply with these Terms of Use. Use of Services is not permitted if the Customer does not accept the Terms of Use.The use of the Online Service requires that the Customer accepts these Terms of Use and/or the terms of use or agreement separately applicable to the Online Service when logging in to the Online Service for the first time. Depending on the Online Service, the Online Service can be used by individuals of legal age and legal capacity, either as private persons or on behalf of an organisation.

Turva offers the Customer the opportunity to manage their insurance matters included in the service selection through digital services. Services include e-services and other services, such as purchasing insurance and applying for compensation. The use of Services may require a separate agreement.On different devices and when using different Services, the content and functionality of Services may differ. Services may also differ in their selection and features from the services and products available through other Turva service channels. Turva has the right to make changes to the selection, content and functioning of Services and to the technical or other requirements necessary for the use of Services.

6.1 Authentication to the Online ServiceUse of the Online Service requires identification of the Customer. Turva identifies the Customer with bank or other identifiers accepted by Turva. It may be possible to log in to the Online Service later using alternative methods, such as a PIN code created by the Customer or facial recognition enabled by the Customer.Identifying the Customer in the manner described above is equivalent to verifying the Customer's identity from an identity document issued by the authorities. The Customer is responsible for all actions taken while authenticated in the Online Service, including the actions of a party acting on behalf of the Customer.The Customer is responsible for storing identification data separately and carefully so that it does not fall into the possession of third parties. The Customer is responsible for legal actions taken with the help of identification data until the identifier issuer has received a notification that the identification data has fallen into the possession of a third party and the issuer has had a reasonable time to prevent the use of Services. The Customer is responsible for any damage that the unauthorised use of identification data may cause to Turva, the Customer or a third party until the identifier issuer has received the above-mentioned notification and prevented the use of the identifiers. If identifiers have been used in the Online Service unlawfully or the Customer has reason to believe that they have fallen into the possession of a third party, Turva must also be notified immediately.If the Customer has stored their identification data carelessly or otherwise contributed to the identification data falling into the possession of a third party, the Customer shall be liable for any damage caused to Turva.6.2 PowersThrough Services, the Customer may also handle matters included in Turva's service selection on behalf of another person or company, if the other person or company has given an express power of attorney letter for this. Turva separately determines on a service-by-service basis whether a Service can be used on the basis of a power of attorney letter and what actions the Customer can take in the Service on behalf of another person on the basis of the power of attorney letter. For the applicable Services used by the Customer, information is activated on the authorisers for whom a written power of attorney letter has been submitted to Turva. Turva must be notified of the expiry of an authorisation without delay.The actions of the authorised party are equated with that of the authoriser, and the authoriser is responsible for actions and messages taken or sent under the authorisation as long as the authorisation has not been duly revoked.6.3 Devices, software and telecommunications connectionsThe Customer is responsible for having the devices, software and telecommunications connections required for the use of Services. The Customer is responsible for their security, functionality and compatibility with Services, as well as for maintenance, operation and telecommunications costs. Turva does not guarantee that Services can be used on the Customer's devices.The parties are, for their part, responsible for the appropriate organisation of security. Turva shall not be liable for any damage caused to the Customer by the loss or alteration of data on a public network or on a network owned, controlled or used by the Customer under an agreement. Turva shall also not be liable for any damage caused to the Customer by realised data security risks.Turva has the right to change the requirements for the devices and software necessary for the use of Services or other functionality of Services.6.4 Refusal of Service and suspension of ServiceTurva has the right to refuse to provide a Service or suspend the provision of a Service or not process the Customer's assignment, application or other message if

• the devices, software or telecommunications connections used by the Customer endanger the functionality of information systems or the security of the Service, or ensuring data security otherwise requires that there is reason to suspect that the Service is being used in a way that may result in damage to the parties or a third party
• the Customer does not comply with these terms
• the Customer has reported that identifiers have been used in the Service unlawfully or that they have presumably fallen in the possession of a third party, or there is otherwise reason to suspect unauthorised or improper use of the Service
• another person or company has revoked the authorisation they have given to the Customer
• it is considered necessary for business reasons or it is due to force majeure or some other serious reason independent of Turva
• there is reason to suspect that the Service is being used for illegal activities, or
• legislation or official regulations oblige to do so.

In addition, Turva has the right to suspend the provision of a Service due to servicing, updates, maintenance, disturbances and other similar reasons.Turva shall not be liable for any damage caused to the Customer by refusal of a Service or suspension of a Service.6.5 Availability of ServicesServices are available according to service-specific service hours, excluding interruptions due to servicing, updates, maintenance, disruptions and other similar reasons.Turva does not guarantee that Services will be available to the Customer without interruption and shall not be liable for any damage caused to the Customer due to a possible outage or interruption.Turva reserves a reasonable period of time to take actions requested by the Customer, taking into account any provisions of the terms and conditions of the agreement or Service in question. Turva does not guarantee that assignments, applications or other messages will be processed in the manner and time specified by the Customer in the message, nor is it liable for any damage caused to the Customer as a result.6.6 Turva’s limitations of liabilityThe information contained in Services does not constitute a binding offer, invitation, commitment or other binding expression on the part of Turva, unless expressly stated otherwise. The content of each Service is determined by the terms and conditions applicable to the respective service or product.Careful efforts have been made to ensure the correctness of the information content of Services, but Turva shall not be liable for the accuracy of the information or any damage related to its use.When concluding new agreements using Services, the Customer must familiarise themselves with the brochures, product guides, service- or product-specific terms and conditions of the product or service in question and other information that Turva makes available to the Customer in the Online Service or on its website before concluding the agreement. When confirming that the Customer has familiarised themselves with the information, the Customer is deemed to have been informed of the information available. If these Terms of Use conflict with service-specific terms, the content of the agreement shall be determined on the basis of service-specific terms.The Customer shall never conclude a lease agreement for an apartment based solely on the material presented in a Service, without obtaining the additional information they deem necessary and without checking the accuracy of the material presented in the Service from the lessor's representative before concluding the lease agreement.In addition to what is provided elsewhere in these terms and conditions regarding the limitation of Turva's liability:

• Turva shall not be liable for any indirect damage caused to the Customer
• Turva shall not be liable for any damage caused by force majeure or a similar cause of unreasonable hindrance to its operations. Such a hindrance may be, for example, an action taken by the authorities, a disturbance in electronic communications or electricity supply independent of Turva, or industrial action.
• Turva shall not be liable for the destruction or alteration of files or for the costs caused by their recreation, nor for damage caused by unauthorised changes to the information content of Services.
• Turva shall not be liable for the functionality of Services or for damage caused by the refusal of a Service, the suspension or interruption of a Service, or the unsuccessful use of a Service on the Customer's device.
• Turva shall not be liable for the content, availability or functionality of information or services provided by third parties, nor for any damage that may arise from their use. Turva is not a party to agreements between the Customer and third parties and is not responsible for the fulfilment of these agreements and their terms.

6.7 The Customer's liability and assignmentsThe Customer is responsible for the accuracy and timeliness of the information provided through Services. Turva is under no obligation to review or supplement the information provided, and action can be taken on the basis of the information provided. Turva shall not be liable for any damage caused to the Customer due to errors or omissions in the information provided.The Customer is responsible for the delivery of information and assignments sent through Services until the Customer has received an acknowledgement from Turva that the information has arrived, unless mandatory provisions of law provide otherwise.Legal acts, assignments, declarations of intent and notifications made by the Customer using Services are binding on the Customer.6.8 Comments by the CustomerThe Customer shall make any comments concerning a Service or the execution of an assignment to Turva without delay and no later than within one (1) month after the Customer has detected or should have detected the reason for the comment. If no comment is made within this period, the Customer shall be deemed to have accepted the action.

Emails are sent between Turva and the Customer in an open network. The emails sent do not contain policy or claims information, but they do indicate that the Customer has a customer relationship with Turva. This information is covered by insurance secrecy. The Customer agrees to this by using Services.If the Customer wishes to send Turva protected or customer-related information, Turva recommends sending the message through the Online Service, in another secure connection or by mail.The Customer is responsible for monitoring messages and notifications sent by Turva to Services and related to Services by other means, such as mail, text message or email. A separate impulse can be sent to the Customer by email or text message concerning a message sent to a Service.A notification sent by Turva is deemed to have been received by the Customer no later than on the seventh (7) day after it has been delivered to the Customer.

Turva has the right to amend these Terms of Use, special terms and conditions concerning Services, and the pricing of any paid Services.The Customer will be notified of changes to the terms in the Online Service or on Turva's website no later than one (1) month before the change enters into force. The Customer is deemed to have received Turva's notification no later than on the seventh (7) day after the notification has been delivered to the Customer in the Online Service or made available to the Customer on the website.The Customer is deemed to have accepted the change to the terms when the change has been notified as described above and the Customer uses Services after the change. If the Customer does not agree to the amended terms, they must stop using Services.The amended terms will also apply to Services that were in use before the entry into force of the amended terms.

Turva ensures the privacy protection of its customers and processes personal data in accordance with current regulations, good data management and data processing practices, and as described in Turva's privacy statements and website.Turva may record information concerning the Customer's online service contacts and transactions, as well as assignments, messages and phone calls. The data is processed, among other things, for managing the customer relationship, verifying transactions, developing Services, and marketing.Turva collects, processes and analyses data concerning the use of Services, traffic, events and other transactions.The Customer is advised to read more about the processing of personal data in Turva's privacy statements and in the privacy section of the website, which you can find in the ‘Processing of personal data’ section of this page. Privacy statements are also available on request by post or email from tietosuoja(at)turva.fi. More information about cookies is also available on Turva's website.

10.1 Intellectual property rightsThe copyrights, trademarks and other intellectual property rights of Services, including their content and appearance, belong to Turva or a third party.The Customer may save and print material contained in Services only for the Customer's own use. Copying, distributing, modifying, linking of websites, and any kind of commercial exploitation or publication without the express written permission of Turva or another rightholder is prohibited.10.2 Force majeureA party shall not be liable for damage if it can prove that its obligation has not been fulfilled due to force majeure. Force majeure refers to an unusual and unforeseeable reason over which the party could not have influenced and the consequences of which it could not have avoided with all due care. Turva shall also not be liable for damage if fulfilling the obligations based on these Terms of Use would be contrary to Turva's obligations laid down elsewhere in law.A party is obliged to notify the other party as soon as possible of any force majeure that it has encountered. Turva can notify of force majeure on its website or in a national daily newspaper, for example.10.3 Customer service and out-of-court remediesIn questions related to Services and these Terms of Use, the Customer must primarily contact Turva's customer service.A consumer customer may submit a dispute concerning Services or these Terms of Use to the Consumer Disputes Board (KRIL, www.kuluttajariita.fi). In matters concerning Services, disputes can also be submitted to the Finnish Financial Ombudsman Bureau (Fine, www.fine.fi).The authority supervising the operations of underwriters is the Financial Supervisory Authority (www.finanssivalvonta.fi).10.4 Governing law and jurisdictionThese Terms of Use are governed by Finnish law.Disputes arising from these Terms of Use shall be handled in the District Court of Pirkanmaa or in the district court of the place in Finland in whose jurisdiction the Customer has their domicile, permanent residence or place of business. If the Customer does not have a domicile, place of residence or place of business in Finland, disputes shall be handled in the District Court of Pirkanmaa.

TaskuTurva terms of useSmile, you are in TaskuTurva!It's great that you want to manage your insurance conveniently on mobile! TaskuTurva is a mobile application provided by insurance company Turva for private individuals. It allows you to use our services on your smartphone regardless of time and place. Because we want to take care of TaskuTurva users, here are a few important things to know about the use of TaskuTurva and its security.TaskuTurva terms of useThese terms of use apply to the service offered in the TaskuTurva application. In addition to these terms of use, the general terms of use of Turva's digital services are applied to the service. Read carefully the terms and conditions in Terms of Use.Processing of personal dataWhen processing personal data, we comply with the law and good data management and processing practices and exercise caution. Read more about the processing of personal data.Conditions of useTo access all the services offered by the TaskuTurva mobile app, you need to log in to the mobile app with your bank's banking credentials or a mobile certificate. In the future, you will be able to log in to the service with a PIN code, or biometric authentication provided by your mobile device.Before you can use the service, you must accept the terms of use of the service. You cannot use the service unless you accept the terms of use. By accepting the terms, you also agree to comply with them.TaskuTurva can be used by individuals of legal age and legal capacity.Content of the serviceTurva defines the services offered at any given time, and it has the right to change the selection of services offered. The content and terms of the services offered may differ from the corresponding services offered by Turva through some other service channel.An authorisation given to another person to handle insurance matters also applies to the TaskuTurva mobile app. The authorised person can see the authoriser's policies in the service, but not any invoice information. The authorised person cannot buy policies or ask for payment time for an invoice.Data security and responsibility for using the TaskuTurva mobile appWhen you register as a user and log in to the service, you agree that the service will be available to you without a separate new login until you explicitly log out of the application.Carefully store the device on which you are logged in to the service. If you lose the device with which you are logged in to the service or there is otherwise a danger or suspicion of unauthorised use of the application, contact Turva's customer service.Agreements and notifications made while logged in to the application that affect the rights or obligations of the policyholder, insured or insurance company are your responsibility until you have asked Turva to prevent you from using the service.Terms of use related to partnersTaskuTurva also has services provided by third parties. These services are subject to separate third-party terms of use. Read carefully the terms and conditions in Terms of Use.