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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.