{"id":6154,"date":"2026-06-14T13:06:24","date_gmt":"2026-06-14T10:06:24","guid":{"rendered":"https:\/\/finnfabrik.com\/?page_id=6154"},"modified":"2026-09-04T11:22:30","modified_gmt":"2026-09-04T08:22:30","slug":"dispute-buyer-protection","status":"publish","type":"page","link":"https:\/\/finnfabrik.com\/en\/dispute-buyer-protection\/","title":{"rendered":"Dispute &amp; Buyer Protection"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6154\" class=\"elementor elementor-6154 elementor-4415\">\n\t\t\t\t<div class=\"elementor-element elementor-element-222eaad e-flex e-con-boxed e-con e-parent\" data-id=\"222eaad\" 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-685dec5 elementor-widget elementor-widget-spacer\" data-id=\"685dec5\" 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-00bbed2 e-flex e-con-boxed e-con e-parent\" data-id=\"00bbed2\" 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-8da4f4e elementor-widget elementor-widget-text-editor\" data-id=\"8da4f4e\" 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<!-- ======================================================\n   DISPUTE & BUYER PROTECTION POLICY - ENGLISH VERSION (FINAL)\n   Updated: Section 5 \u2013 clarified Finnfabrik's role\n   Updated: Section 8 \u2013 proportionate withholding\n   Updated: Section 7 \u2013 returns wording\n   Updated: Section 9 \u2013 chargeback wording\n   Updated: Section 6 \u2013 final responsibility wording\n   Updated: Section 4 \u2013 statutory rights clarification\n   ====================================================== -->\n\n<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    <!-- HEADER -->\n    <div style=\"text-align: center; margin-bottom: 30px;\">\n        <h1 style=\"font-size: 2.2rem; font-weight: 700; color: #0033A0; margin: 0 0 10px 0;\">\n            \ud83d\udee1\ufe0f Dispute &amp; Buyer Protection Policy\n        <\/h1>\n        <p style=\"font-size: 1rem; color: #555555; margin: 0;\">\n            <strong>Effective Date:<\/strong> 9.5.2026\n        <\/p>\n        <p style=\"font-size: 1rem; color: #555555; margin: 0;\">\n            This policy applies to all transactions made through the Finnfabrik platform.\n        <\/p>\n        <p style=\"font-size: 1rem; color: #1A1A1A; margin: 15px 0 0 0;\">\n            By using the service, you agree to be bound by this policy. For questions, please contact:\n            <a href=\"mailto:info@finnfabrik.com\" style=\"color: #0033A0; text-decoration: underline;\">info@finnfabrik.com<\/a>\n        <\/p>\n    <\/div>\n\n    <!-- ======================================================\n       PLAIN LANGUAGE SUMMARY\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<\/p>\n        <ul style=\"font-size: 0.95rem; color: #1a1a1a; line-height: 1.8; margin: 0; padding-left: 20px;\">\n            <li>Finnfabrik is a platform that connects buyers and sellers. We are <strong>not a party<\/strong> to the transaction.<\/li>\n            <li>If you have a problem, <strong>contact the seller first<\/strong>.<\/li>\n            <li>If the seller does not resolve the issue, you may open a dispute with Finnfabrik.<\/li>\n            <li>Finnfabrik may <strong>temporarily withhold<\/strong> payments during disputes, where reasonably necessary.<\/li>\n            <li>Finnfabrik provides <strong>technical and administrative assistance<\/strong> \u2013 we do not act as a court, mediator, or referee.<\/li>\n            <li>Consumers have a <strong>statutory right of withdrawal<\/strong> under Finnish consumer protection law (subject to exceptions).<\/li>\n            <li>Misuse of the dispute system may result in account closure.<\/li>\n        <\/ul>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 1: PLATFORM ROLE (ACCORDION)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                1. Platform Role\n            <\/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;\">\n                Finnfabrik operates as a marketplace connecting buyers and sellers. Finnfabrik may temporarily hold payments related to a transaction to ensure proper completion, handle potential disputes, and comply with applicable legal obligations.\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>The purchase agreement is formed directly between the buyer and the seller<\/li>\n                <li>Finnfabrik facilitates payments and may provide technical assistance in dispute situations<\/li>\n                <li><strong>Finnfabrik is not the seller of products<\/strong><\/li>\n                <li><strong>Finnfabrik is not a party<\/strong> to transactions between buyers and sellers<\/li>\n            <\/ul>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 2: BUYER PROTECTION (ACCORDION)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                2. Buyer Protection\n            <\/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;\">\n                Finnfabrik offers limited buyer protection to enhance safety on the platform.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0 0 10px 0;\">\n                Buyer protection may apply in situations such as:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>The product was not delivered<\/li>\n                <li>The product does not substantially match the description<\/li>\n                <li>The product was damaged or defective upon delivery<\/li>\n            <\/ul>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                Buyer protection is not automatic. The buyer must follow the procedures outlined in this policy.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 3: RIGHT OF WITHDRAWAL (ACCORDION)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                3. Right of Withdrawal (Consumers)\n            <\/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;\">\n                Consumers 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.\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>The withdrawal period generally begins upon receipt of the product<\/li>\n                <li>Exceptions may apply (e.g., customized products, sealed products that cannot be returned for health or hygiene reasons)<\/li>\n                <li>The seller is responsible for complying with the law and providing the required consumer information<\/li>\n            <\/ul>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 4: OPENING A DISPUTE (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                4. Opening a Dispute\n            <\/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;\">\n                The buyer should <strong>contact the seller first<\/strong> and attempt to resolve the matter directly.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0 0 10px 0;\">\n                If no resolution is found, the buyer may open a dispute with Finnfabrik within a reasonable time, generally within 30 days of either:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>The delivery date (if the product was received); or<\/li>\n                <li>The estimated delivery date (if the product was not received)<\/li>\n            <\/ul>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0 0 10px 0;\">\n                The dispute must include:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>Order details<\/li>\n                <li>Description of the issue<\/li>\n                <li>Any supporting evidence (e.g., photos, messages)<\/li>\n            <\/ul>\n            <p style=\"font-size: 1rem; color: #555555; margin: 0; font-style: italic;\">\n                This internal dispute period does not limit any mandatory statutory rights or remedies available to consumers under applicable law.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 4A: SELLER'S RIGHT TO RESPOND (ACCORDION)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                4A. Seller&#8217;s Right to Respond\n            <\/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;\">\n                Once a dispute is opened, the seller is given <strong>7 days<\/strong> to respond and present their view and evidence.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                Finnfabrik will not make a decision until both parties have been heard.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 5: DISPUTE HANDLING (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                5. Dispute Handling\n            <\/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;\">\n                After receiving a dispute:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>Finnfabrik may review the information provided by the parties and request additional information where reasonably necessary<\/li>\n                <li>Finnfabrik may facilitate communication between the buyer and seller regarding the transaction<\/li>\n                <li>Finnfabrik may provide general information or technical and administrative assistance relating to the dispute<\/li>\n                <li>Finnfabrik may reject a dispute where it is clearly unfounded, abusive, or made in bad faith<\/li>\n            <\/ul>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                Finnfabrik does not act as a court, mediator, referee, arbitrator, or decision-maker in disputes between buyers and sellers. Finnfabrik does not determine the legal rights or obligations of the parties. The buyer and seller remain responsible for resolving their contractual dispute in accordance with the applicable agreement and law.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 6: POSSIBLE RESOLUTIONS (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                6. Possible Resolutions\n            <\/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;\">\n                Depending on the situation, the resolution may include:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>Full or partial refund<\/li>\n                <li>Return of the product<\/li>\n                <li>Replacement of the product<\/li>\n                <li>Rejection of the claim<\/li>\n            <\/ul>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                The buyer and seller remain responsible for their respective contractual obligations. The parties may always refer the matter to the Consumer Disputes Board or a court of law.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 7: RETURNS (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                7. Returns\n            <\/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;\">\n                Returns are handled by the seller in accordance with applicable law and any applicable return terms stated in the listing.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                If necessary, Finnfabrik may assist in facilitating returns through the payment service provider if the seller has not acted appropriately.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 8: WITHHOLDING OF PAYOUTS (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                8. Withholding of Payouts\n            <\/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;\">\n                If a dispute is ongoing, Finnfabrik may temporarily delay, suspend, or withhold payment relating to the disputed transaction while the matter is being reviewed or until sufficient clarification has been obtained.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0 0 10px 0;\">\n                Where reasonably necessary to protect buyers, sellers, Finnfabrik, or the payment process, Finnfabrik may temporarily place a hold on other amounts in the seller&#8217;s Finnfabrik account where those amounts are reasonably connected to the dispute, a potential refund, chargeback, cancellation, or other payment-related risk.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                Any hold will be limited to what Finnfabrik reasonably considers necessary in the circumstances and will be released when the relevant matter has been resolved or the reason for the hold no longer applies, subject to applicable payment-provider requirements and applicable law.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 9: CHARGEBACK (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                9. Chargeback\n            <\/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;\">\n                If the buyer initiates a chargeback:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>Finnfabrik may suspend processing of the transaction<\/li>\n                <li>The seller may be asked to provide additional clarification<\/li>\n                <li>Any chargeback-related costs may be handled in accordance with the applicable payment-provider rules, the transaction terms, and applicable law<\/li>\n            <\/ul>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 10: PLATFORM ROLE (UPDATED)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                10. Platform Role (Summary)\n            <\/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;\">\n                Finnfabrik aims to provide reasonable assistance in resolving disputes but <strong>does not act as a court of law, mediator, or referee<\/strong>.\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                The buyer and seller remain responsible for their respective contractual obligations. The parties may always refer the matter to the Consumer Disputes Board or a court of law.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 11: MISUSE (ACCORDION)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                11. Misuse\n            <\/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;\">\n                Misuse of the dispute system may result in:\n            <\/p>\n            <ul style=\"font-size: 1rem; color: #555555; padding-left: 20px; line-height: 1.8;\">\n                <li>Account closure<\/li>\n                <li>Restriction of access<\/li>\n                <li>Other measures<\/li>\n            <\/ul>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                Examples of misuse include opening unfounded disputes or providing false information.\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- ======================================================\n       SECTION 12: CONTACT (ACCORDION)\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 onclick=\"this.nextElementSibling.style.display = this.nextElementSibling.style.display === 'block' ? 'none' : 'block'; this.querySelector('.arrow').textContent = this.querySelector('.arrow').textContent === '\u25b6' ? '\u25bc' : '\u25b6';\" style=\"cursor: pointer; display: flex; justify-content: space-between; align-items: center; user-select: none;\">\n            <h3 style=\"font-size: 1.1rem; font-weight: 700; color: #0033A0; margin: 0;\">\n                12. Contact Information\n            <\/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;\">\n                \ud83d\udce7 <a href=\"mailto:info@finnfabrik.com\" style=\"color: #0033A0; text-decoration: underline;\">info@finnfabrik.com<\/a>\n            <\/p>\n            <p style=\"font-size: 1rem; color: #1A1A1A; margin: 0;\">\n                \ud83c\udf10 <a href=\"https:\/\/finnfabrik.com\" style=\"color: #0033A0; text-decoration: underline;\">https:\/\/finnfabrik.com<\/a>\n            <\/p>\n        <\/div>\n    <\/div>\n\n    <!-- FOOTER -->\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;\">\n            \u00a9 2026 Finnfabrik Oy. All rights reserved.\n        <\/p>\n        <p style=\"font-size: 0.85rem; color: #888888; margin: 2px 0 0 0;\">\n            Dispute &amp; Buyer Protection Policy \u2013 Effective Date: 9.5.2026\n        <\/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\udee1\ufe0f Dispute &amp; Buyer Protection Policy Effective Date: 9.5.2026 This policy applies to all transactions made through the Finnfabrik platform. By using the service, you agree to be bound by this policy. For questions, please contact: info@finnfabrik.com \ud83d\udccb Summary Finnfabrik is a platform that connects buyers and sellers. We are not a party to the [&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-6154","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages\/6154","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=6154"}],"version-history":[{"count":13,"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages\/6154\/revisions"}],"predecessor-version":[{"id":8330,"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/pages\/6154\/revisions\/8330"}],"wp:attachment":[{"href":"https:\/\/finnfabrik.com\/en\/wp-json\/wp\/v2\/media?parent=6154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}