Terms of Service
These Terms of Service ("Terms") govern your access to and use of OP Financial's website and services. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.
1. Acceptance of Terms
By accessing or using our services, you agree to these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.
2. Description of Services
OP Financial provides financial services and related information through our website and other platforms. We reserve the right to modify, suspend, or discontinue our services at any time without notice.
3. User Accounts
Some of our services require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
4. User Content
You retain ownership of any content you submit to our services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute your content for the purpose of providing our services.
5. Intellectual Property Rights
Our services and all content, features, and functionality, including but not limited to all information, software, text, displays, images, video, and audio, are owned by OP Financial or our licensors and are protected by copyright, trademark, and other intellectual property laws.
6. Prohibited Conduct
You agree not to:
- Use our services in any way that violates applicable laws or regulations
- Use our services to engage in any fraudulent or deceptive activities
- Attempt to interfere with or disrupt our services or servers
- Attempt to gain unauthorized access to any part of our services
- Use our services to transmit any harmful code or material
7. Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free.
8. Limitation of Liability
To the maximum extent permitted by law, OP Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.
9. Indemnification
You agree to indemnify and hold harmless OP Financial and its officers, directors, employees, and agents from any claims, damages, liabilities, costs, and expenses arising from your use of our services or violation of these Terms.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Finland, without regard to its conflict of law provisions.
11. Changes to Terms
We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our services after any changes indicates your acceptance of the revised Terms.
12. Contact Us
If you have any questions about these Terms, please contact us at:
Email: legal@op-year2017.fi
Phone: +358 (0) 123 456 789
Address: Helsinki, Finland