📜 Terms of Use

1. Service Provider and Service Description

Finnfabrik is an online marketplace and auction platform operating in Finland, enabling the sale and purchase of products through fixed-price listings or auctions.

Finnfabrik acts solely as a technical platform provider. The purchase agreement is formed directly between the buyer and the seller. Finnfabrik is not a party to transactions between buyers and sellers.

Finnfabrik may offer:

• technical payment solutions in cooperation with third parties
• platform functionalities
• customer support and technical or administrative assistance relating to the Finnfabrik platform

2. Right to Use and Eligibility

By using the service, you confirm that:

• You are at least 18 years old
• You have the legal capacity to enter into binding agreements
• You use the service in accordance with Finnish and EU legislation

3. User Accounts

The user is responsible for securely storing their account credentials. The user account is personal and may not be transferred to another person. Registration information must be accurate and kept up to date.

4. Permitted Use

The user may not:

• Violate applicable laws
• Publish misleading, false, or illegal content
• Infringe on the rights of others
• Manipulate auctions or bids
• Place bids on their own products (self-bidding)
• Disrupt the service (e.g., using bots, scripts, or automation)

4A. Circumvention of the Platform

Buyers and sellers are prohibited from completing transactions outside Finnfabrik after establishing contact through the platform for the purpose of avoiding commissions or fees.

Consequences of Violation:

If Finnfabrik has reasonable grounds to suspect or determine that such circumvention has occurred, Finnfabrik may:

• recover any lost commissions and fees;
• charge an administrative penalty equal to the greater of €100 or three (3) times the avoided commission, subject to applicable law and reasonableness;
• suspend or permanently terminate the accounts involved;
• refuse future access to the platform.

Additional Damages:

In cases involving repeated, intentional, or high-value violations, Finnfabrik reserves the right to seek additional damages to the extent permitted by applicable law.

Investigation and Information Requests:

Finnfabrik reserves the right to investigate suspected circumvention of the platform and to request relevant information, documents, or explanations from users. Failure to cooperate may be considered a violation of these Terms of Use.

4B. Prohibited Products and Services

Sellers are prohibited from listing products or services on Finnfabrik whose sale or brokerage is unlawful under Finnish or European Union law. Prohibited products include, but are not limited to, illegal products, counterfeits, dangerous products, stolen property, products requiring a license without the necessary permits, and any other products or services whose sale is contrary to law or Finnfabrik’s policies.

Finnfabrik reserves the right to remove such listings without prior notice.

5. Listings and Auctions

Products may be offered at fixed prices or through auctions. A bid placed in an auction is binding under the auction/listing terms.

Auctions may have a reserve price (minimum acceptable price). Finnfabrik is not responsible for the pricing outcome and does not guarantee that the reserve price will be met. If the reserve price is not met, no sale will occur.

Finnfabrik reserves the right to cancel, suspend, or relist an auction for a justified reason. Finnfabrik is not a party to the agreement between the seller and the buyer.

6. Payments and Refunds

Buyers’ payments are processed through third-party payment service providers used by Finnfabrik, such as Stripe (via WooPayments).

Available payment methods may vary, and Finnfabrik does not guarantee the availability of a specific payment method. The buyer is responsible for completing the payment.

Refunds, cancellations, and chargebacks are handled by the seller in accordance with their own terms and applicable consumer protection laws.

6A. Dispute and Buyer Protection Policy

Procedures regarding buyer protection, dispute resolution, returns, and refunds are defined in Finnfabrik’s separate Dispute and Buyer Protection Policy.

By using the service, you agree to comply with this policy.

6B. Minimum Order Amount

The minimum order amount for any transaction on Finnfabrik is €10. Orders below this amount cannot be processed. This minimum applies to all purchases made through the platform.

6C. Payment and Pickup Obligations

Auctions

The winning bidder is expected to complete payment according to the payment terms shown in the listing and the applicable order instructions.

Fixed-price products are paid for at checkout at the time of purchase.

Pickup

Unless otherwise agreed, the buyer must arrange pickup with the seller and collect the goods within 14 days after payment. The seller may specify a different reasonable pickup deadline in the product listing.

Disputes

Finnfabrik is a marketplace platform and is not a party to transactions between buyers and sellers. Finnfabrik does not act as a mediator, referee, or arbiter in disputes between users. Users are responsible for resolving their contractual obligations directly with each other in accordance with applicable law and these Terms of Use. Finnfabrik may provide technical or administrative assistance where appropriate.

7. Consumer Protection

Consumers may have a statutory right of withdrawal under Finnish consumer protection law. The existence, duration and conditions of any withdrawal right depend on the type of transaction and applicable law.

The seller is responsible for providing the required consumer information and complying with applicable consumer protection requirements when selling to consumers (B2C).

8. Platform Liability (DSA)

Finnfabrik acts as a technical intermediary and online marketplace platform. Finnfabrik does not pre-screen all content but removes illegal content upon receiving notice.

As an online marketplace, Finnfabrik takes reasonable steps to verify seller information, including Business ID (Y-tunnus) validation, and maintains appropriate traceability of traders using the platform.

Finnfabrik has procedures for handling notices of illegal content and may restrict or remove access to listings that violate applicable law or these Terms of Use.

9. Account Suspension or Closure

Finnfabrik reserves the right to suspend or close a user or seller account for justified reasons, including:

• Violation of these Terms of Use
• Illegal activity
• Fraud or misuse
• Necessary to protect other users

Account closure will be notified in advance unless unreasonable (e.g., serious fraud). The user has the right to receive the reason for closure in writing.

10. Intellectual Property Rights

All content on the Finnfabrik website is the property of Finnfabrik or its licensors. Unauthorized use of content is prohibited.

11. Seller Responsibility and Indemnification

The seller is responsible for the products and services they offer through Finnfabrik, including the accuracy and legality of their listings and their compliance with applicable laws and these Terms.

The seller agrees to indemnify and hold Finnfabrik harmless from claims, losses, damages, liabilities, costs and reasonable expenses arising from the seller’s breach of these Terms, violation of applicable law, or negligent or unlawful acts or omissions in connection with the seller’s products, services, listings or transactions, to the extent permitted by applicable law.

12. Data Protection (GDPR)

Personal data is processed in accordance with the GDPR. More information is available in the Privacy Policy.

13. Changes to Terms of Use

Finnfabrik may update these Terms of Use. Continued use of the service after changes constitutes acceptance of the terms. Significant changes will be notified in advance.

14. Applicable Law

These Terms of Use are governed by Finnish law. Disputes shall be resolved by the competent court in Finland, unless mandatory consumer protection rules require otherwise.

15. Contact Information

📧 info@finnfabrik.com

🌐 https://finnfabrik.com

1. Seller Registration

Registering as a seller requires that you:

• Are at least 18 years old
• Provide accurate and complete information
• Comply with Finnish legislation, including consumer protection and taxation
• Receive approval from Finnfabrik

Finnfabrik reserves the right to accept or reject a seller application at its discretion.

2. Seller Obligations

The seller must:

• Provide truthful and up-to-date product information
• Sell only legal and authentic products
• Handle communication, returns, and disputes professionally
• Comply with consumer protection laws when selling to consumers (B2C)
• Comply with the prohibition on circumvention of the platform as set out in Part 1, Section 4A of these Terms.
• Comply with the rules on prohibited products and services as set out in Part 1, Section 4B of these Terms.

3. Listings and Auctions

Products are added through the seller panel. Auction terms must be clearly stated. Artificial bids or self-bidding are prohibited.

Finnfabrik may remove or edit listings that violate these terms or the law.

4. Fees and Commissions

Finnfabrik does not charge registration fees, monthly fees, or withdrawal fees.

Business Sellers can list products without listing or monthly fees.

Private Sellers receive 3 free active auctions and pay €5 per additional auction.

Commission is charged only on completed and finalized sales.

A completed and finalized sale means an order that has been paid for, delivered or collected, and is not subject to an open dispute, return, or cancellation.

Unless otherwise agreed in writing, commission is determined based on the seller’s total monthly sales:

• 10% – Up to €600
• 8% – Over €600 up to €1,250
• 6% – Over €1,250 up to €3,000
• 4.5% – Over €3,000

Commission is calculated on the product’s selling price (incl. VAT), excluding shipping and delivery costs.

Commission is subject to 25.5% VAT under Finnish VAT law. Commission is automatically deducted before payout.

5. Payments and Payouts

5.1 Payment Processing

Buyers’ payments are processed through third-party payment service providers used by Finnfabrik. Payments are processed securely. Finnfabrik does not store card details.

5.2 Finnfabrik’s Role

Payments are processed through the payment services used by Finnfabrik. Payment processing and the handling of funds are subject to the terms and conditions of the applicable payment service provider.

5.3 Order Completion

For payout purposes, Finnfabrik may consider an order completed when the applicable order, delivery, payment, cancellation, withdrawal and return conditions have been satisfied.

5.4 Holding Period and Payouts

Payouts are generally processed within 14 days after order completion, subject to any applicable cancellation, withdrawal, return, chargeback, payment-processing or other legally relevant period.

Finnfabrik may delay or withhold payment where reasonably necessary because of disputes, returns, cancellations, chargebacks, suspected misuse, technical issues or legal obligations.

5.5 Seller Payouts

Payments to sellers are made via bank transfer to the seller’s designated account. Sellers are responsible for the accuracy of their payment details. Finnfabrik is not liable for failed payments due to incorrect information.

5.6 Delays and Withholdings

Finnfabrik may delay or withhold payments in the following situations: disputes between buyer and seller, returns or cancellations, chargebacks, or suspected misuse.

5.7 Not a Financial Service

Finnfabrik does not provide users with payment accounts, balances, or financial services.

6. Seller’s VAT Obligations

The seller is responsible for their own taxation. Finnfabrik is not a party to the seller’s taxation matters.

The seller must verify:

• Whether they are liable for VAT
• Whether VAT should be added to product prices

Finnfabrik only reports its own commission VAT (25.5%). Finnfabrik does not provide tax advice.

7. Pickup and Delivery

Finnfabrik primarily operates on a pickup-based model. Any delivery methods, costs, and terms must be clearly stated in the listing.

Responsibility for the product transfers to the buyer at the time of handover, unless otherwise agreed.

8. Returns and Cancellations

The seller must comply with consumer protection laws and handle returns appropriately. Finnfabrik is not a party to returns.

9. Seller Account Freezing or Closure

Finnfabrik may freeze or close a seller account for justified reasons, including violation of these terms, illegal activity, or suspicion of fraud.

10. Intellectual Property Rights

The seller retains ownership of their content but grants Finnfabrik a non-exclusive, royalty-free right to use and market the listings.

11. Seller Responsibility and Indemnification

The seller is responsible for the products and services they offer through Finnfabrik, including the accuracy and legality of their listings and their compliance with applicable laws and these Terms.

The seller agrees to indemnify and hold Finnfabrik harmless from claims, losses, damages, liabilities, costs and reasonable expenses arising from the seller’s breach of these Terms, violation of applicable law, or negligent or unlawful acts or omissions in connection with the seller’s products, services, listings or transactions, to the extent permitted by applicable law.

12. Changes to Seller Terms

Finnfabrik may update the Seller Terms with reasonable advance notice. Continued use of the service after changes constitutes acceptance.

13. Applicable Law

These Seller Terms are governed by Finnish law.

14. Contact Information

📧 info@finnfabrik.com

🌐 https://finnfabrik.com