{"id":6152,"date":"2025-11-10T13:23:00","date_gmt":"2025-11-10T11:23:00","guid":{"rendered":"https:\/\/finnfabrik.com\/?page_id=6152"},"modified":"2026-10-08T14:54:32","modified_gmt":"2026-10-08T11:54:32","slug":"terms-of-use","status":"publish","type":"page","link":"https:\/\/finnfabrik.com\/en\/terms-of-use\/","title":{"rendered":"Terms of Use"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6152\" class=\"elementor elementor-6152 elementor-3175\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a069e6 e-flex e-con-boxed e-con e-parent\" data-id=\"6a069e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89a82b9 elementor-widget elementor-widget-spacer\" data-id=\"89a82b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f55852 e-flex e-con-boxed e-con e-parent\" data-id=\"1f55852\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-465ab64 e-flex e-con-boxed e-con e-parent\" data-id=\"465ab64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1648efe elementor-widget elementor-widget-text-editor\" data-id=\"1648efe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div style=\"max-width: 900px; margin: 0 auto; padding: 40px 20px; font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif; color: #1a1a1a; line-height: 1.6;\">\n\n\n<div style=\"text-align: center; margin-bottom: 30px;\">\n<h1 style=\"font-size: 2.2rem; font-weight: bold; color: #0033a0; margin: 0 0 10px 0;\">\ud83d\udcdc Terms of Use<\/h1>\n<p style=\"font-size: 1rem; color: #555555; margin: 0;\"><strong>Effective Date:<\/strong> 9.5.2026<\/p>\n<p style=\"font-size: 1rem; color: #555555; margin: 0;\"><strong>Website:<\/strong> https:\/\/finnfabrik.com<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 15px 0 0 0;\">Welcome to Finnfabrik. These Terms of Use govern your use of the Finnfabrik website and related services. By using the service, you agree to be bound by these Terms of Use.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 10px 0 0 0;\">This document consists of two parts:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; list-style: none; padding: 0; margin: 10px 0 0 0;\">\n \t<li>\ud83d\udccc <strong>Part 1 \u2013 General Terms of Use:<\/strong> Apply to all users (buyers, visitors, and registered users)<\/li>\n \t<li>\ud83d\udccc <strong>Part 2 \u2013 Seller Terms:<\/strong> Apply to users who register as sellers and sell products or services<\/li>\n<\/ul>\n<p style=\"font-size: 1rem; color: #555555; margin: 10px 0 0 0;\">For questions, please contact: <a style=\"color: #0033a0; text-decoration: underline;\" href=\"mailto:info@finnfabrik.com\">info@finnfabrik.com<\/a><\/p>\n<\/div>\n\n\n<div style=\"background: #f8faff; border-left: 5px solid #0033A0; padding: 15px 20px; border-radius: 8px; margin: 20px 0 30px 0;\">\n<p style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">\ud83d\udccb Summary for Users<\/p>\n<ul style=\"font-size: 0.95rem; color: #1a1a1a; line-height: 1.8; margin: 0; padding-left: 20px;\">\n \t<li>Finnfabrik is a platform that connects buyers and sellers. We are <strong>not a party<\/strong> to the transaction.<\/li>\n \t<li>Bids in auctions are <strong>binding<\/strong> under the auction\/listing terms.<\/li>\n \t<li>Business Sellers must have a Finnish Business ID (Y-tunnus). Private Sellers can sell through auctions only without a Business ID.<\/li>\n \t<li>The minimum order amount is <strong>\u20ac10<\/strong>.<\/li>\n \t<li>The winning bidder is expected to complete payment according to the payment terms shown in the listing.<\/li>\n \t<li>The buyer must collect the goods within <strong>14 days<\/strong> after payment, unless otherwise agreed.<\/li>\n \t<li>Buyers are protected under Finnfabrik&#8217;s separate <a style=\"color: #0033a0; text-decoration: underline;\" href=\"https:\/\/finnfabrik.com\/en\/dispute-buyer-protection\/\">Dispute and Buyer Protection Policy<\/a>.<\/li>\n \t<li>The platform is governed by Finnish law.<\/li>\n<\/ul>\n<\/div>\n\n\n<h2 style=\"font-size: 1.5rem; font-weight: bold; color: #0033a0; margin: 30px 0 15px 0; text-align: center; border-bottom: 2px solid #e8edf5; padding-bottom: 10px;\">PART 1 \u2013 GENERAL TERMS OF USE<\/h2>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">1. Service Provider and Service Description<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik is an online marketplace and auction platform operating in Finland, enabling the sale and purchase of products through fixed-price listings or auctions.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik may offer:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>technical payment solutions in cooperation with third parties<\/li>\n \t<li>platform functionalities<\/li>\n \t<li>customer support and technical or administrative assistance relating to the Finnfabrik platform<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">2. Right to Use and Eligibility<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">By using the service, you confirm that:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>You are at least 18 years old<\/li>\n \t<li>You have the legal capacity to enter into binding agreements<\/li>\n \t<li>You use the service in accordance with Finnish and EU legislation<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">3. User Accounts<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">4. Permitted Use<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">The user may not:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>Violate applicable laws<\/li>\n \t<li>Publish misleading, false, or illegal content<\/li>\n \t<li>Infringe on the rights of others<\/li>\n \t<li>Manipulate auctions or bids<\/li>\n \t<li>Place bids on their own products (self-bidding)<\/li>\n \t<li>Disrupt the service (e.g., using bots, scripts, or automation)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">4A. Circumvention of the Platform<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Buyers and sellers are prohibited from completing transactions outside Finnfabrik after establishing contact through the platform for the purpose of avoiding commissions or fees.<\/p>\n<p style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">Consequences of Violation:<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">If Finnfabrik has reasonable grounds to suspect or determine that such circumvention has occurred, Finnfabrik may:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>recover any lost commissions and fees;<\/li>\n \t<li>charge an administrative penalty equal to the greater of \u20ac100 or three (3) times the avoided commission, subject to applicable law and reasonableness;<\/li>\n \t<li>suspend or permanently terminate the accounts involved;<\/li>\n \t<li>refuse future access to the platform.<\/li>\n<\/ul>\n<p style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 10px 0 8px 0;\">Additional Damages:<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">In cases involving repeated, intentional, or high-value violations, Finnfabrik reserves the right to seek additional damages to the extent permitted by applicable law.<\/p>\n<p style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 10px 0 8px 0;\">Investigation and Information Requests:<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">4B. Prohibited Products and Services<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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&#8217;s policies.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik reserves the right to remove such listings without prior notice.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">5. Listings and Auctions<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Products may be offered at fixed prices or through auctions. A bid placed in an auction is binding under the auction\/listing terms.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">6. Payments and Refunds<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Buyers&#8217; payments are processed through third-party payment service providers used by Finnfabrik, such as Stripe (via WooPayments).<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Refunds, cancellations, and chargebacks are handled by the seller in accordance with their own terms and applicable consumer protection laws.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">6A. Dispute and Buyer Protection Policy<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Procedures regarding buyer protection, dispute resolution, returns, and refunds are defined in Finnfabrik&#8217;s separate <a style=\"color: #0033a0; text-decoration: underline;\" href=\"https:\/\/finnfabrik.com\/en\/dispute-buyer-protection\/\">Dispute and Buyer Protection Policy<\/a>.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">By using the service, you agree to comply with this policy.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">6B. Minimum Order Amount<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">The minimum order amount for any transaction on Finnfabrik is <strong>\u20ac10<\/strong>. Orders below this amount cannot be processed. This minimum applies to all purchases made through the platform.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">6C. Payment and Pickup Obligations<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">Auctions<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">The winning bidder is expected to complete payment according to the <strong>payment terms shown in the listing<\/strong> and the applicable order instructions.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Fixed-price products are paid for at checkout at the time of purchase.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">Pickup<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Unless otherwise agreed, the buyer must arrange pickup with the seller and collect the goods within <strong>14 days<\/strong> after payment. The seller may specify a different reasonable pickup deadline in the product listing.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">Disputes<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">7. Consumer Protection<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">The seller is responsible for providing the required consumer information and complying with applicable consumer protection requirements when selling to consumers (B2C).<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">8. Platform Liability (DSA)<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik acts as a technical intermediary and online marketplace platform. Finnfabrik does not pre-screen all content but removes illegal content upon receiving notice.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">9. Account Suspension or Closure<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik reserves the right to suspend or close a user or seller account for justified reasons, including:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>Violation of these Terms of Use<\/li>\n \t<li>Illegal activity<\/li>\n \t<li>Fraud or misuse<\/li>\n \t<li>Necessary to protect other users<\/li>\n<\/ul>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">10. Intellectual Property Rights<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">All content on the Finnfabrik website is the property of Finnfabrik or its licensors. Unauthorized use of content is prohibited.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">11. Seller Responsibility and Indemnification<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">The seller agrees to indemnify and hold Finnfabrik harmless from claims, losses, damages, liabilities, costs and reasonable expenses arising from the seller&#8217;s breach of these Terms, violation of applicable law, or negligent or unlawful acts or omissions in connection with the seller&#8217;s products, services, listings or transactions, to the extent permitted by applicable law.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">12. Data Protection (GDPR)<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Personal data is processed in accordance with the GDPR. More information is available in the Privacy Policy.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">13. Changes to Terms of Use<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">14. Applicable Law<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">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.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">15. Contact Information<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">\ud83d\udce7 <a style=\"color: #0033a0; text-decoration: underline;\" href=\"mailto:info@finnfabrik.com\">info@finnfabrik.com<\/a><\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">\ud83c\udf10 <a style=\"color: #0033a0; text-decoration: underline;\" href=\"https:\/\/finnfabrik.com\">https:\/\/finnfabrik.com<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 style=\"font-size: 1.5rem; font-weight: bold; color: #0033a0; margin: 40px 0 15px 0; text-align: center; border-bottom: 2px solid #e8edf5; padding-bottom: 10px;\">PART 2 \u2013 SELLER TERMS<\/h2>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">1. Seller Registration<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Registering as a seller requires that you:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>Are at least 18 years old<\/li>\n \t<li>Provide accurate and complete information<\/li>\n \t<li>Comply with Finnish legislation, including consumer protection and taxation<\/li>\n \t<li>Receive approval from Finnfabrik<\/li>\n<\/ul>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik reserves the right to accept or reject a seller application at its discretion.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">2. Seller Obligations<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">The seller must:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>Provide truthful and up-to-date product information<\/li>\n \t<li>Sell only legal and authentic products<\/li>\n \t<li>Handle communication, returns, and disputes professionally<\/li>\n \t<li>Comply with consumer protection laws when selling to consumers (B2C)<\/li>\n \t<li><strong>Comply with the prohibition on circumvention of the platform<\/strong> as set out in Part 1, Section 4A of these Terms.<\/li>\n \t<li><strong>Comply with the rules on prohibited products and services<\/strong> as set out in Part 1, Section 4B of these Terms.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">3. Listings and Auctions<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Products are added through the seller panel. Auction terms must be clearly stated. Artificial bids or self-bidding are prohibited.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik may remove or edit listings that violate these terms or the law.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">4. Fees and Commissions<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik does not charge registration fees, monthly fees, or withdrawal fees.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\"><strong>Business Sellers<\/strong> can list products without listing or monthly fees.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\"><strong>Private Sellers<\/strong> receive 3 free active auctions and pay <strong>\u20ac5 per additional auction<\/strong>.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Commission is charged only on completed and finalized sales.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\"><strong>A completed and finalized sale<\/strong> means an order that has been paid for, delivered or collected, and is not subject to an open dispute, return, or cancellation.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Unless otherwise agreed in writing, commission is determined based on the seller&#8217;s total monthly sales:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li><strong>10%<\/strong> \u2013 Up to \u20ac600<\/li>\n \t<li><strong>8%<\/strong> \u2013 Over \u20ac600 up to \u20ac1,250<\/li>\n \t<li><strong>6%<\/strong> \u2013 Over \u20ac1,250 up to \u20ac3,000<\/li>\n \t<li><strong>4.5%<\/strong> \u2013 Over \u20ac3,000<\/li>\n<\/ul>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Commission is calculated on the product&#8217;s selling price (incl. VAT), excluding shipping and delivery costs.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Commission is subject to <strong>25.5% VAT<\/strong> under Finnish VAT law. Commission is automatically deducted before payout.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">5. Payments and Payouts<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.1 Payment Processing<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Buyers&#8217; payments are processed through third-party payment service providers used by Finnfabrik. Payments are processed securely. Finnfabrik does not store card details.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.2 Finnfabrik&#8217;s Role<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.3 Order Completion<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">For payout purposes, Finnfabrik may consider an order completed when the applicable order, delivery, payment, cancellation, withdrawal and return conditions have been satisfied.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.4 Holding Period and Payouts<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Payouts are generally processed within <strong>14 days<\/strong> after order completion, subject to any applicable cancellation, withdrawal, return, chargeback, payment-processing or other legally relevant period.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik may delay or withhold payment where reasonably necessary because of disputes, returns, cancellations, chargebacks, suspected misuse, technical issues or legal obligations.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.5 Seller Payouts<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Payments to sellers are made via bank transfer to the seller&#8217;s designated account. Sellers are responsible for the accuracy of their payment details. Finnfabrik is not liable for failed payments due to incorrect information.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.6 Delays and Withholdings<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik may delay or withhold payments in the following situations: disputes between buyer and seller, returns or cancellations, chargebacks, or suspected misuse.<\/p>\n<h4 style=\"font-size: 1rem; font-weight: 600; color: #0033a0; margin: 0 0 8px 0;\">5.7 Not a Financial Service<\/h4>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik does not provide users with payment accounts, balances, or financial services.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">6. Seller&#8217;s VAT Obligations<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">The seller is responsible for their own taxation. Finnfabrik is not a party to the seller&#8217;s taxation matters.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">The seller must verify:<\/p>\n<ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n \t<li>Whether they are liable for VAT<\/li>\n \t<li>Whether VAT should be added to product prices<\/li>\n<\/ul>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik only reports its own commission VAT (25.5%). Finnfabrik does not provide tax advice.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">7. Pickup and Delivery<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">Finnfabrik primarily operates on a pickup-based model. Any delivery methods, costs, and terms must be clearly stated in the listing.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Responsibility for the product transfers to the buyer at the time of handover, unless otherwise agreed.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">8. Returns and Cancellations<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">The seller must comply with consumer protection laws and handle returns appropriately. Finnfabrik is not a party to returns.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">9. Seller Account Freezing or Closure<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik may freeze or close a seller account for justified reasons, including violation of these terms, illegal activity, or suspicion of fraud.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">10. Intellectual Property Rights<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">The seller retains ownership of their content but grants Finnfabrik a non-exclusive, royalty-free right to use and market the listings.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">11. Seller Responsibility and Indemnification<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0 0 10px 0;\">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.<\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">The seller agrees to indemnify and hold Finnfabrik harmless from claims, losses, damages, liabilities, costs and reasonable expenses arising from the seller&#8217;s breach of these Terms, violation of applicable law, or negligent or unlawful acts or omissions in connection with the seller&#8217;s products, services, listings or transactions, to the extent permitted by applicable law.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">12. Changes to Seller Terms<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">Finnfabrik may update the Seller Terms with reasonable advance notice. Continued use of the service after changes constitutes acceptance.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">13. Applicable Law<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">These Seller Terms are governed by Finnish law.<\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"background: #ffffff; border-radius: 12px; padding: 20px 25px; border: 1px solid #e8edf5; margin-bottom: 15px; box-shadow: 0 2px 8px rgba(0,0,0,0.04);\">\n<div style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n<h3 style=\"font-size: 1.1rem; font-weight: bold; color: #0033a0; margin: 0;\">14. Contact Information<\/h3>\n<span class=\"arrow\" style=\"font-size: 18px; color: #0033a0;\">\u25b6<\/span>\n<\/div>\n<div style=\"display: none; padding-top: 15px; border-top: 1px solid #e8edf5; margin-top: 12px;\">\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">\ud83d\udce7 <a style=\"color: #0033a0; text-decoration: underline;\" href=\"mailto:info@finnfabrik.com\">info@finnfabrik.com<\/a><\/p>\n<p style=\"font-size: 1rem; color: #1a1a1a; margin: 0;\">\ud83c\udf10 <a style=\"color: #0033a0; text-decoration: underline;\" href=\"https:\/\/finnfabrik.com\">https:\/\/finnfabrik.com<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<div style=\"text-align: center; margin-top: 40px; padding-top: 20px; border-top: 2px solid #e8edf5;\">\n<p style=\"font-size: 0.9rem; color: #888888; margin: 0;\">\u00a9 2026 Finnfabrik Oy. All rights reserved.<\/p>\n<p style=\"font-size: 0.85rem; color: #888888; margin: 2px 0 0 0;\">Terms of Use \u2013 Effective Date: 9.5.2026<\/p>\n<\/div>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdc Terms of Use Effective Date: 9.5.2026 Website: https:\/\/finnfabrik.com Welcome to Finnfabrik. These Terms of Use govern your use of the Finnfabrik website and related services. By using the service, you agree to be bound by these Terms of Use. This document consists of two parts: \ud83d\udccc Part 1 \u2013 General Terms of Use: Apply [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-6152","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages\/6152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/comments?post=6152"}],"version-history":[{"count":20,"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages\/6152\/revisions"}],"predecessor-version":[{"id":8853,"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages\/6152\/revisions\/8853"}],"wp:attachment":[{"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/media?parent=6152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}