Terms of delivery

Our delivery methods - Posti and Postnord

Orders are delivered via Posti and Postnord.
You can order the package delivered to your destination, to a selected pick-up point or to a parcel vending machine. Our system offers you the nearest branches based on the street address you provide, from which you can choose the one you want. The normal transport time to pick-up points is 1-3 business days, and 1-2 business days for deliveries.

Payment

Consumers: Payment can be made using all banks' online payment buttons and all the most common bank debit and credit cards. In addition, for an additional fee, you can also order via Posti with cash on delivery.

Companies, communities, municipality, state: Ordering an invoice does not require a separate account opening, so you can order right away. For business customers, it is possible to receive delivery with a traditional paper invoice, e-mail invoice or electronic online invoice with a payment period of 7-10 days after the goods have been sent to the customer (intended not only for municipalities and the state, but also for associations and limited liability companies that have submitted financial statements to the trade register). When granting a payment term, we ALWAYS check the credit information and, if necessary, we also perform a risk classification of Asiakastieto Oy, which is based on e.g. the results of previous financial periods, payment history and the industry situation. If the Risk classification is not sufficient, we will contact you by email and inquire about the willingness to use other payment methods. Municipal and state institutions can also choose electronic invoicing intended for them.

More detailed information by payment method

Payments with Visa, Visa Electron, MasterCard and American Express cards
If you want to pay with Visa, Visa Electron or MasterCard or American Express cards, Innofis toimistopalvelut Oy (mustekala.fi) acts only as a marketer of products and services and also delivers the products to the buyer.

Paytrail Oyj is responsible for complaints related to the payment transaction.
Paytrail Oyj acts as the seller of the product for payments made with Visa, Visa Electron or MasterCard cards, and the transaction is between the customer and Paytrail Oyj. The seller is responsible for all obligations related to the transaction. Paytrail Oyj is also the recipient of the payment.

Paytrail Oyj, business ID: 2122839-7
Innova 2
Lutakonaukio 7
40100 Jyväskylä

Online banks
The payment brokerage service related to online bank payments is implemented by Paytrail Oyj (2122839-7) in cooperation with Finnish banks and credit institutions. From the user's point of view, the service works just like traditional online payment.

Registration

Registration is voluntary. By registering, you can follow the progress of your order processing, you can add several different delivery addresses or you can create shopping lists. In the future, ordering is also easy as the address information comes directly from your user.

Delivery time

An individual estimate of the product's delivery time has been given for each product. This is the time, calculated in working days, during which the product normally leaves our warehouse. If the order includes several products with different delivery times, the order will be delivered according to the slowest product delivery time. If the customer wants some of the products to be sent separately, he must put the products of different delivery times in different orders and he must then pay his own delivery fee for each shipment. If the delivery time deviates significantly from the aforementioned or the product is no longer available, the customer will be notified separately by email.

If the delivery is significantly delayed, we will refund the advance payment if the customer so wishes.

If the delivery has been ordered to a Posti pick-up point or parcel machine and the customer leaves the delivery uncollected and the package is returned to us, the customer must contact us to arrange resending.

NOTE! As a general rule, orders placed after 2:00 p.m. are counted as orders of the next business day, as Posti and Matkahuolto loads are picked up from our warehouse between 2:00 p.m. and 4:00 p.m. In addition, we often deliver packages separately in the afternoon directly to the Post office, but we cannot promise this.

NOTE! The printer manufacturer's original cartridges are basically sent to companies directly from our IT wholesaler. If a delivery method other than home delivery is selected, the order will be delayed by 1-3 business days. For original cassettes, the order day always "cuts off" at 12:00, when we send the day's orders to the it-tukkur.

Order binding

A binding sales contract is created at the point when the customer has sent his order. Consumers' cancellation rights are at least in accordance with the Consumer Protection Act (see section "right of cancellation" below). Innofis toimistopalvelut Oy's responsibility for the availability and delivery of the ordered product is limited to returning the purchase amount to the customer or canceling the purchase in its entirety. We do not reimburse any indirect costs incurred. When ordering, the customer commits to the valid delivery and payment terms. Innofis toimistopalvelut Oy reserves the right to choose its customers. We reserve the right to increase prices when the supplier increases his prices (the customer will be notified of the increase and he has the right to cancel the transaction).

Complaints

If the product delivery does not correspond to the order or there is something wrong with the product, contact us by email and tell us freely about the problem. If you cannot use the methods mentioned above, you can also call our general customer service if necessary. The toner cartridge and the drum are the most important things that affect the print quality, which is why it is recommended to change the cartridge before ordering a service person to find out if the problem lies in the toner cartridge.

Return conditions

NOTE! DO NOT SEND RETURNS TO US UNTIL YOU HAVE SENT THE ORDER RETURN FORM AND RECEIVED INSTRUCTIONS FROM OUR CUSTOMER SERVICE! We do not accept packages or letters sent without permission, and the sender is then responsible for postage.

Right of withdrawal

Consumer customers have the right to cancel this order within 14 days without giving a reason.

The deadline for cancellation ends 14 days after the goods have been received.

To exercise the right of cancellation, you must notify us of your decision to cancel the order. Cancellation is possible using the return form and also by e-mail or letter, but these methods slow down the processing of the return.
In order to comply with the cancellation deadline, it is sufficient that you send your notice of using the right of cancellation before the cancellation period expires. Return costs to the seller after delivery are the customer's responsibility, if the delivery has been in accordance with the order and the product has functioned normally.
For corporate and community customers, the order is binding and cancellation is only possible with our consent.

Consequences of cancellation
If you cancel the order within the cancellation period mentioned above before sending the order and you have notified our customer service in advance of the cancellation or via a form, we will refund you the purchase price in full.

In accordance with the amendment to the Consumer Protection Act that entered into force in 2014, the delivery costs of the return are the responsibility of the customer. This means that if the package we send is not picked up at the pick-up point or is not accepted and the package returns to our warehouse, or if the customer wants to return a product that works according to the order, then we will charge or deduct a processing cost of €15 for the return of the payment made. We aim to process any advance payment refunds without delay and in any case no later than 14 days after receiving the cancellation notice or possible product returns.

We process the refund ourselves or through a payment intermediary (Paytrail Oyj) to your bank account, or for credit card purchases, we also cancel the payment debit, if possible. If we have not been properly notified in advance of the cancellation and the customer has otherwise acted clearly against the instructions or general practice, we reserve the right to withhold or charge the incurred costs.

Right of cancellation for companies and organizations
The order is binding for companies and communities. If the customer leaves their order without picking it up at the pick-up point or does not accept the delivery and the package is returned to our warehouse, we charge a handling fee of 20 euros. Companies and entities only have the automatic right of return if the product does not conform to the order, is delivered late or is defective. If it is an order error made by a business or corporate customer and if we accept a product exchange, the return costs are the customer's responsibility once delivered to us. However, as a rule, we do not charge new delivery costs. The product to be returned must be unused and it must be packed sufficiently well protected when returning it. In the case of a defective product, the warranty period mentioned in the product information should be taken into account. In clear cases of product or price errors, Innofis toimistopalvelut Oy can claim an error when it was such an obvious error that the customer should have understood the existence of the error.

Delivery fee

You can choose the delivery method you want and you can see its price in the shopping cart.
Orders are delivered via Posti or Matkahuolto according to the delivery method chosen by the customer.

Posti deliveries can be ordered to a parcel machine, Posti's own office or agent point, or delivered between 9 a.m. and 2 p.m. With Posti's Flex delivery, evening delivery is also possible between 17:00 and 21:00, when the driver calls the customer's mobile phone number and agrees on the exact delivery time. In parcel machines and agent points, the package is kept for a week. The delivery time for basic packages is 2-3 business days and 1-2 business days for delivery (usually 1 day to cities and 2 days to sparsely populated areas).

Matkahuolto's deliveries can be ordered to the destination or to their pick-up points, which are e.g. R-kioski, Matkahuolto and several K-Markets. In Matkahuolto's deliveries, the driver does not call in advance, but the delivery is attempted on weekdays between 8 am and 4 pm, if necessary on two consecutive days. If the delivery is not successful, the package can be picked up from the nearest Matkahuolto terminal for two weeks. You may also receive a text message asking you to choose the most suitable pick-up point.

Warranty conditions

NOTE! DO NOT RETURN THE CARTRIDGE OR SERVICE YOUR PRINTER UNTIL YOU HAVE RECEIVED INSTRUCTIONS FROM OUR CUSTOMER SERVICE!

Feel free to use the "Feedback" form at the top of the page for complaints.
The warranty period mentioned for the cartridge or cartridge is calculated from the day the product has arrived at the customer. A standard warranty means replacing the defective cartridge with a new product or, if this is not possible, refunding the payment. The amount of pages already printed on the cartridge is also taken into account in the replacement (or product exchange) when the cartridge has already printed a significant amount. If, for example, half of the cassette has already been used, the refund will be equivalent to that. For some cartridges, a more comprehensive warranty ("Printer safety warranty") is separately mentioned, which also compensates the repair costs of the printer in cases where it can be established beyond doubt that the damage was caused by the cartridge purchased by the customer from mustekala.fi.

In cases of damage, the customer should always first contact mustekala.fi staff for more detailed instructions. Check out the relevant "Printer Security Guarantee" terms here below. However, the basic premise is that the customer should keep the defective cartridge as it is, so that the manufacturer can examine the cartridge in question. For the repair, you need a receipt from an impartial repair shop and the name of the repairer, as well as a detailed explanation of what caused the failure in the cassette (what was the mechanism of the damage) and what the caused failure was, as well as what measures were included in the repair. The warranty covers only those repairs that can be reasonably determined to have been caused by a defective cartridge and that were necessary. In the case of laser cartridges, cleaning the printer of toner is not covered by the warranty, unless the leakage of toner has been so great that the printer has been damaged.

In the event of a repair, the customer must immediately contact the store. We do not compensate third parties for indirect or consequential damages. Sometimes the factory has put their warranty terms inside the package. However, we are only responsible for such guarantees that we ourselves have given in our product information. For cartridges that do not have a printer security guarantee, any damage to the printer will not be covered. However, we emphasize that cartridges cannot easily damage the printer. Damages requiring some level of maintenance occur less frequently than every 100,000 cassettes.

P.S. With liquid ink jet cartridges, you should be careful when you use the cartridges in winter when it's freezing. If the cartridge has been outside in the mailbox, freezing may have damaged the inkjet cartridge.

In any case, it's always a good idea to put e.g. newspaper under it when using colors.

Printer security * WARRANTY

Some cartridges have been granted a "Printer Protection*" warranty, which is an additional warranty given on top of the general warranty conditions mentioned above for damage caused to the cartridge's printer. The cartridge's product information clearly states if such a printer security guarantee is part of the product.

The warranty covers the damage caused to the printer by the cartridge under the following conditions, when the customer has contacted our customer service BEFORE the repair and received approval for the repair, or the seller has otherwise arranged maintenance:

The seller will be provided with a written statement from an independent repair shop representative of how the cartridge has damaged the printer in such a way that it has required repair. The warranty covers only those repairs that can be reasonably determined to have been caused by a defective cartridge and that were necessary.
If the fault is such that simply replacing the intact cartridge with the defective one removes the fault, the expenses for the maintenance man's unnecessary visit will not be reimbursed. Even in this case, however, the defective cartridge will be replaced or exchanged for a new one free of charge in accordance with our normal cartridge warranty.
The normal cleaning of the printer from excess toner carried out with compressed air or vacuuming, which is recommended from time to time, is not covered by the warranty, except if the leakage from the cartridge has been unreasonably abundant, i.e. the cartridge has practically disintegrated inside the printer. The user's own diligence is also required. If, for example, the leak was slow and continuous, the cartridge should have been removed and complained about earlier, instead of letting the leak continue and then finally servicing the device at the expense of the warranty. A defective cartridge must also not be moved to another printer or continue printing with an already advertised cartridge in the same or another printer.
The cassette must be kept as it is and the seller must also have the option to send it to the manufacturer for examination.
The reimbursed amount for printer maintenance is at most the fair value of the printer, i.e. the purchase price of the printer -20% for each 12-month period that has started.
The amount to be reimbursed is according to the maintenance invoice, but no more than 200 euros (note point no. 5) + replacement or refund of the defective cartridge.

Register statement

REGISTRAR
Innofis toimistopalvelut Oy (Y-ID: 1024775-2) (later in the text also "mustekala.fi and "Innofis Oy")
Tuarthatie 20 B
01300 Vantaa

PERSON MANAGING REGISTRY AFFAIRS
Miika Ojala
Telephone 09-3411804
Email miika.ojala(at)innofis.fi

BASIS FOR KEEPING THE REGISTER
The person has registered as a customer of the mustekala.fi online store or bought products from mustekala.fi.

PURPOSE OF USE OF THE REGISTER
The purpose of the register is to maintain Innofis Oy's customer register and to archive and process customer orders. The register is also used to track lost packages. The information can be used in connection with the development of mustekala.fi (Innofis Oy) and for statistical purposes. Personal data is processed within the limits permitted and required by the Personal Data Act.
The information in the register can be used in Innofis Oy's own registers to target advertising without disclosing personal information to external parties. Part of the register data may be transferred to the partners' servers (e.g. to the company that made the technical implementation of the online store or to the company that handles payment transactions) due to technical requirements. Data is only processed to maintain Innofis Oy's customer relationship through technical interfaces. The customer has the right to remove his data from the register by informing the customer service, by e-mail to kaspalveluservice(at)mustekala.fi or to the administrator of the register. Innofis Oy may send marketing messages to the customer's email, but not more often than an average of 1-2 times a month. The customer has the option to refuse the messages, in which case the marketing will be stopped.

INFORMATION CONTAINED IN THE REGISTER
The personal register contains the following information:
The person's first and last name
E-mail address
Postal address (billing and delivery address)
Telephone number
Information about processed orders
Posti or Postnord tracking information for orders

TRANSFER OF INFORMATION
Information is not disclosed outside of Innofis Oy. Personal data is not transferred outside the European Union.
The registrant's personal data will be destroyed at the user's request.

REGISTRY PROTECTION
The register will not be handed over to third parties. The right to use the register requires the user rights of Innofis Oy's internal network. The register is located on the password-protected server of Innofis Oy's partner.

VISITOR MONITORING
We use Google Universal Analytics for general visitor profile monitoring.
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HERE IS THE ENTIRE CONSUMER PROTECTION ACT ON DISTANCE SALES (ONLINE SHOPPING):

Chapter 6
Home sales and remote sales
§ 1
Scope of application
This chapter provides for home sales and distance sales of consumer goods.

§ 2
Scope limitations
The provisions of this chapter do not apply:

1) to an agreement regarding a financial service or instrument;

2) the sale or lease of immovable property or other right to an agreement regarding immovable property;

3) to an agreement falling within the scope of the Housing Sales Act;

4) to the agreement regarding the assignment of the right of occupancy referred to in the Act on Right of Occupancy Apartments;

5) to the room rental agreement referred to in the act on renting a residential apartment;

6) to an agreement falling within the scope of Chapter 10;

7) to a contract within the scope of the Packaged Travel Act;

8) to an agreement concerning a service falling within the scope of the Lotteries Act;

9) to a contract concluded with the help of a vending machine or in an automated business premises;

10) to an agreement made with a telecommunications operator using a payphone;

11) to an agreement concerning individual deliveries of food or other daily goods to the consumer's home or workplace by means of a regularly functioning distribution system.

§ 3
Some limitations of scope in home sales
The provisions of this chapter on home sales do not apply if the price of the consumer good is less than 30 euros. If several commodities are sold at the same time, the total price of which is at least 30 euros, or if the contract concerns the continuous or repeated supply of commodities, the provisions of the chapter will nevertheless apply.

When providing a service at a place where the trader arrives at the express request of the consumer, the provisions of the chapter on home sales do not apply either:

1) to the agreement on social services;

2) to a contract concerning health services provided by a healthcare professional to the consumer in order to evaluate, maintain or restore this state of health.

Section 4
Application of regulations to certain services
Only subsections 2 and 3 of section 12 and section 25 apply to contracts concerning passenger transport services.

If it is a service performed by telephone in one go, for which the contract is formed immediately when the consumer contacts the service provider, subsections 2-4 of section 12 and sections 13 and 14 do not apply.

Section 5
Compulsion
A contract term that deviates from the provisions of this chapter to the detriment of the consumer is void, unless otherwise stipulated below.

§ 6
Definitions related to home sales
A home sales contract refers to a contract that is made or for which the consumer makes an offer elsewhere than at the business premises, while the parties are present at the same time. A home sales agreement also means an agreement that is concluded:

1) at the trader's premises or by remote means immediately after the consumer has been personally contacted separately at a place that is not the trader's premises; or

2) on a familiarization trip organized by the trader, the purpose or result of which is to offer consumer goods to the consumer.

Premises means:

1) fixed point of sale where the trader offers consumer goods on a permanent or seasonal basis;

2) a movable point of sale where the trader offers consumer goods on a regular or seasonal basis.

Section 7
Definitions related to distance selling
A distance sales contract refers to a consumer goods contract made in a sales or service provision system created for distance sales, which is concluded without the parties being present at the same time and for which only one or more remote communications are used.

Remote means means telephone, mail, television, data network and other means that can be used to conclude a contract without the parties being present at the same time.

Section 8
Other definitions
This chapter refers to:

1) an ancillary contract means an agreement related to a home or distance sales contract for consumer goods that the trader or a third party delivers on the basis of an agreement or other arrangement between the third party in question and the trader;

2) by providing information in a permanent way, providing information in person in writing or electronically in such a way that the recipient can store and reproduce the information unchanged;

3) with the delivery of digital content, the delivery of information produced and delivered electronically in digital form by downloading, streaming or other similar means.

Section 9
Information to be provided before concluding the contract
Before entering into a home or distance sales contract, the consumer must be given the following information:

1) the main characteristics of the consumer product to the extent that it is appropriate taking into account the consumer product and the used message;

2) the name of the trader;

3) the economic operator's geographic address in the state of establishment and, if the economic operator acts as an agent or representative of another economic operator, the name and geographic address of his principal;

4) telephone and fax number and e-mail address of the entrepreneur, if available;

5) the geographic address of the trader's place of business, where the consumer can submit his complaint, if the address differs from the address referred to in section 3, and, if the trader acts as an agent or representative of another trader, the same information about his principal;

6) the total price of the consumer good including taxes or, if the exact price cannot reasonably be calculated in advance due to the nature of the good, the basis for determining the price;

7) if necessary, delivery and other costs not included in the total price of the consumer good or, if these costs cannot reasonably be calculated in advance, information that such additional costs may be incurred;

8) costs arising from the use of remote communication in concluding the contract, if more than the basic price is charged for it;

9) the conditions regarding payment, delivery and other fulfillment of the contract and, if necessary, the practices regarding customer complaints;

10) if necessary, the conditions, deadlines and procedures for using the right of withdrawal;

11) if necessary, information that if the consumer cancels the contract, he must be responsible for the costs of returning the goods, and in distance sales also information about the amount of the return costs, if the goods cannot be returned in the usual way by post due to their nature;

12) information that if the consumer uses his right of withdrawal after making a request for the performance of the service referred to in Section 15, subsection 1, he must pay the trader the costs referred to in Section 19, subsection 1;

13) if necessary, information about the absence of the right to cancel or the circumstances in which the right to cancel may be lost;

14) mention of the statutory liability for errors regarding the goods;

15) if necessary, a mention of customer support, other post-trade services and warranty and the conditions applicable to them;

16) mention of the existence of codes of conduct and, if necessary, information on how to obtain a copy of them;

17) if necessary, the duration of the contract or, if the contract is valid for an indefinite period or is automatically extended, the conditions for its termination;

18) if necessary, the minimum duration of the consumer's contractual obligations;

19) if necessary, information about the financing collateral required from the consumer by the trader and the conditions applicable to it;

20) if necessary, the functionality of the digital content, including the interoperability of the digital content with hardware and software to the extent that the trader knows about it or can reasonably be expected to know about it;

21) information about the possibility and methods of bringing a dispute to the Consumer Disputes Board or another similar body.

In an auction, in which the consumer can participate otherwise than by remote means, the information referred to in paragraphs 2-5 of subsection 1 can be replaced with similar information about the auctioneer.

If the consumer has the right to cancel according to the home or distance sales contract, he must be given a cancellation form in addition to the information referred to in subsection 1, point 10. The information referred to in points 10-12 of subsection 1 above can be provided in the cancellation instructions. The form and content of the cancellation form and instructions are regulated by a decree of the Ministry of Justice.

Section 10
Some other information to be given to the consumer
In telephone sales, the trader must immediately at the beginning of the telephone conversation state his name and, if necessary, the name of the person on whose behalf he is acting, as well as the commercial purpose of the call.

Websites where trading is carried out must clearly inform about possible delivery restrictions and which payment methods are accepted at the latest when the order procedure starts.

Section 11
Providing advance information in home sales
In home sales, the information referred to in § 9 as well as the cancellation form and instructions must be given to the consumer clearly and comprehensibly on paper or, with the consumer's consent, in another permanent way.

Section 12
Providing advance information in distance sales
In remote sales, the information referred to in § 9 as well as the cancellation form and instructions must be provided or made available to the consumer in a clear and comprehensible manner suitable for remote communication. If the information or the form or instructions are provided in a permanent way, they must be in an easy-to-read format.

If the consumer is required to pay in an electronically concluded contract, the consumer must be informed of the matters referred to in section 9 subsection 1, points 1, 6, 7, 17 and 18 in a clear manner and immediately before the consumer places his order. The trader must also ensure that the consumer expressly accepts the payment obligation related to the order.

If the trader has not complied with what is stipulated in subsection 2 regarding the express approval of the consumer, the contract does not bind the consumer. If the consumer wants to invoke the non-binding nature of the contract, he must inform the trader about it no later than one year after the conclusion of the contract. If the contract expires after the consumer invokes its non-binding nature, the trader must return the payments received without delay and no later than 30 days after receiving the notification and compensate the consumer for the costs incurred in returning the goods.

If the contract is made using remote communication, where there is limited space or time to display the information, before concluding the contract, the trader must at least provide the information referred to in section 9, subsection 1, points 1, 2, 6, 7, 10 and 17, using that medium.

Section 13
Confirmation of information
In home sales, the trader must give the consumer a copy of the contract confirmation or the signed contract on paper or, with the consumer's consent, in another permanent way.

In distance selling, the trader must provide the consumer with a confirmation of the concluded agreement within a reasonable time after the conclusion of the distance selling agreement and at the latest at the time of delivery of the goods or before the performance of the service begins. The confirmation must be delivered in a permanent way, and it must include all the information referred to in § 9 as well as the cancellation form and instructions, unless the trader has already delivered these to the consumer in a permanent way before.

If the electronic delivery of digital content is started before the end of the cancellation period, the confirmation must also include the prior consent referred to in section 15, subsection 2, and the notification delivered to the consumer about the effect of the prior consent on the right of cancellation.

Section 14
Right of withdrawal
The consumer has the right to cancel a home or distance sales contract by notifying the trader with a cancellation form or in another clear way no later than 14 days after the conclusion of the service contract or the contract for electronically delivered digital content, the receipt of the goods or the last batch of goods in the sales contract, or, if it is a matter of regular delivery of goods, the receipt of the first batch of goods.

If the trader has neglected to provide the consumer with the information referred to in section 9 subsection 1, point 10, the cancellation period ends 12 months after the end of the deadline referred to in subsection 1 of this section or, if the trader corrects the deficiency during this period, 14 days after the day the consumer received this information.

If the trader offers the consumer the possibility to notify the cancellation through his website, the trader must notify the consumer of the receipt of the cancellation notice delivered in this way without delay in a permanent way.

Section 15
Completing the service before the end of the cancellation period
The performance of a service other than digital content can be started before the end of the possible cancellation period, if the consumer has made an express request to this effect. In home sales, the request must be made permanently.

The electronic delivery of digital content can be started before the expiry of the possible cancellation period, if the consumer has given his express prior consent.

Section 16
Restrictions on the right of withdrawal
Unless otherwise agreed, the consumer does not have the right of cancellation provided for in § 14, if:

1) the service has been completely completed or the electronic delivery of digital content has started before the end of the cancellation period due to the consumer's request or consent referred to in § 15 and the consumer has been informed of the absence of the right to cancel in such a case;

2) the price of the consumer product depends on fluctuations in the financial market, which cannot be influenced by the trader and which may occur during the cancellation period;

3) the contract concerns goods that are manufactured or modified in accordance with the consumer's requirements or to clearly meet personal needs;

4) the contract concerns goods that can quickly spoil or expire or that, due to their nature, are inseparably mixed with other goods after delivery;

5) sealed goods that cannot be returned for health or hygiene reasons have been opened;

6) the contract concerns alcoholic beverages, the price of which was agreed upon when the contract was concluded, which can be delivered no earlier than 30 days later and whose actual value depends on fluctuations in the market, which the trader cannot influence;

7) the contract concerns urgent repair or maintenance work at a place where the trader arrives at the express request of the consumer;

8) a sealed audio or video recording or a computer program has been opened;

9) the contract concerns the delivery of an individual newspaper or magazine or periodical publication;

10) the contract is concluded in an auction, in which the consumer can participate otherwise than by remote means;

11) the contract concerns the provision of accommodation for other than residential purposes, transport of goods, car rental service, restaurant service or leisure service and the contract requires performance at a specified time or within a specified period of time.

Section 17
Returning performance
If the consumer cancels a home or distance sales contract, he must return the goods he received without delay and no later than 14 days after making the cancellation notice, unless the trader has committed to pick up the goods himself. The consumer must be responsible for the direct costs resulting from the return of the goods, unless the trader has committed to be responsible for them. The consumer's right not to pay the costs referred to above, if the trader has neglected to notify them, is regulated in section 24, subsection 1.

If in home sales the goods have been delivered to the consumer's home in connection with the conclusion of the contract, the trader must pick up the goods at his own expense, if the goods cannot be returned in the usual way by post due to their nature.

The trader must return the payments received from the consumer without delay and no later than 14 days after receiving the cancellation notice, with the exception of additional costs incurred by the consumer's choice of a standard delivery method other than the cheapest standard delivery method offered by the trader. However, the trader has the right to refrain from refunding payments until he has received the goods back or until the consumer has proven that he has sent the goods back, unless the trader is obliged to pick up the goods himself.

The trader must return the services received using the payment method that the consumer used in the original transaction, unless the consumer has expressly agreed to another arrangement. The consumer must not incur costs for returning the services.

Section 18
Responsibility for the goods received
If the consumer has received the goods, he must keep them essentially unchanged and undiminished until he has decided to keep the goods.

However, if the consumer cancels the contract after putting the goods into use, he must be responsible for the reduction in value. The goods are not considered to have been put into use if the consumer has handled the goods only as necessary to determine its nature, properties and functionality.

The consumer is not responsible for the reduction in value if the trader has neglected to provide the consumer with the information regarding the right of cancellation referred to in section 9, subsection 1, point 10.

Section 19
Compensation for the service performed before cancellation
If the performance of a service other than digital content has started before the end of the cancellation period, the consumer must, in the case of cancellation, pay reasonable compensation to the trader for the performance performed to fulfill the contract by the time the cancellation notice is made.

However, the consumer has no obligation to pay for a service performed in whole or in part during the cancellation period, if the trader has neglected to provide him with the information referred to in section 9 subsection 1, points 10 or 12, or if the trader has started fulfilling the contract during the cancellation period without the consumer's express request referred to in section 15 subsection 1.

Section 20
Storage and return of goods in some cases
If the trader has an obligation to pick up the goods from the consumer in home sales, in the case of cancellation, the consumer must keep the received goods in a place accessible to the trader, where the trader has delivered it or where the trader can pick it up inconveniently. The consumer must inform the trader of the place where the goods can be picked up.

The consumer's responsibility for storing the goods on behalf of the trader ends two months after receiving the goods. The consumer receives the goods free of charge if the trader does not pick up the goods within the mentioned time, unless it is obviously unreasonable from the trader's point of view.

Section 21
Cancellation of credit or insurance agreement
If the consumer cancels the home or distance sales contract, the associated credit or insurance contract is canceled without any action.

In the event of cancellation of an ancillary credit or insurance agreement, the credit or insurer must return the payments received from the consumer without delay and no later than 30 days after receiving information about the cancellation of the agreement. Section 45 of the Insurance Contracts Act (543/1994) provides for the insurer's right to demand payment for the insurance coverage received by the policyholder before the supplementary insurance is cancelled.

Section 22
Cancellation of other ancillary agreement
If the consumer cancels the home or distance sales contract, the ancillary contract other than the one referred to in § 21 is canceled without any action. The consumer must not incur any other costs in addition to the costs that may be collected based on § 17-19 due to the cancellation.

Section 23
Interest on late payment
The interest law provides for the consumer's right to default interest in situations where the trader or the credit or insurance provider obliged to return the price or other payment has not returned what the consumer has paid within the time stipulated in §§ 12, 17 or 21.

Section 24
Penalties for violating certain provisions of the chapter
If, before concluding the contract, the trader has not provided the consumer with information regarding additional costs or other costs referred to in clauses 6, 7 or 11 of section 9, subsection 1, the consumer is not obliged to pay them.

If it is a contract for electronically delivered digital content, the consumer is not obliged to pay for the service performed in whole or in part, if:

1) the supply of digital content has started during the cancellation period without the explicit prior consent of the consumer as referred to in subsection 2 of section 15;

2) the consumer has not received notification that when giving consent, he loses his right of withdrawal; or

3) the trader has neglected to provide the consumer with the confirmation referred to in § 13.

Section 25
Penalties for violating the provisions of the chapter
In addition to what is stipulated in this chapter regarding sanctions, a trader who violates the provisions of this chapter may, if it is necessary for consumer protection, be prohibited from continuing such a procedure or renewing it or a procedure comparable to it. Chapters 2 and 3 provide for imposing a ban and enhancing it with a fine.