Terms & Conditions

1. General

The PayiQ® Tickets application (hereinafter “Application”) is a program to download on mobile devices for electronic ticket purchases and related transmission of payments. The owner of the application is iQ Payments Oy, registered in the business register maintained by the Finnish Patent and Registration Office (hereinafter “Service provider”), Business ID 2564925-2. The Service provider operates as a trader referred to in consumer protection legislation in terms of providing payment transmission services and the Application to consumers. The Service provider’s main branch of activity is computer system and software consultation, other corporate services and other service operations related to equipment and information technology. The Service provider’s geographical address in the country of establishment, and the address of the place of work managing customer relations, is as follows: Maariankatu 4 C, 20100 Turku.

These contractual terms shall be applied to the use of the Application. The Service provider shall be entitled to unilaterally modify these contractual terms (“Contractual terms”). By continuing to use the Application, you accept these Contractual terms and the amended terms in their current form. You will be notified of term updates in the Application. By means of the Application, you will be offered alternative ways to pay for services or products sold by various merchants. You also commit to meet the contractual terms for the selected method of payment and for the Merchant in question.

2. Parties to the contract and making of the contract

There are three parties to the contract: The Service provider, the producer of the service purchased or the Merchant, and you, the Customer (consumer).

The Service provider only acts as the agent transmitting the tickets and the related payments, which is why the exact amount of payments charged from the Customer depends on the purchase decision made by the Customer in each case.

The contract is made as you begin to use the Application as mentioned below in section 5. As the user of the application, you also enter into a contract on the use of the Application (“Contract”) with the Service provider as indicated in these Contractual terms.

The Service provider has been registered in the payment institution register maintained by the Financial Supervisory Authority. The Financial Supervisory Authority controls the compliance with the requirements for the activities pursued. The Financial Supervisory Authority office is located in Helsinki at Snellmaninkatu 6. Postal address: Financial Supervisory Authority, PL 103, 00101 Helsinki. (Tel. +3589 183 5339, fax. +3589 183 5328, e-mail: kirjaamo@finanssivalvonta.fi)

3. Advance information on distance contracts

Advance information on distance contracts has been provided according to Finnish legislation. The customer will be able to receive the advance information and the Contractual terms electronically and to receive the contractual terms in printed form upon request during the contractual relationship. The customer may receive this information in Finnish and in English, and the Service provider shall be committed to using Finnish and English during the contractual relationship.

4. Requirements for entering into a contract

You must be 18 years old or a major. With the permission of parents, children may also use the Application under the supervision of their parents.

The Service provider shall be entitled to verify your identity if required by the applicable legislation.

The Application is intended only for private use and legal purposes. The Application is personal, and only you are entitled to use it.

5. You become a user of the Application by using it

The Application may be used by registering or without registration. For registration, you must have:

* a mobile phone number

* a valid e-mail address.

You shall be liable for the correctness and the up-to-dateness of the information you provide in the Application. This applies to information such as the number of your payment card, your mobile phone number and your e-mail address. The Service provider shall not be liable for the correctness of the information.

You shall be liable to immediately notify of changes to your name, personal information, address or other contact information in writing, by e-mail or via the Application user interface. By accepting this contract, you allow the Service provider to verify your personal information, your address and your credit standing in connection with each payment transaction.

The Service provider shall be entitled to prevent the use of the Application if the information you provided is incorrect or if your credit information is blacklisted.

6. Particular safety considerations to be taken into account when using the Application

Once you begin to use the Application, you must create a personal PIN code and password for the Application. The PIN code must not be easy to guess, such as 0000, 1234 or your date of birth.

The PIN code is personal, and it must not be divulged to others. You should store your PIN code carefully so as to prevent outsiders from discovering it or using it. The PIN code must not be written down next to your phone or stored in a mobile device.

You shall be liable to immediately notify the Service provider if another individual may be in possession of your PIN code. The notification may be made at any time by communicating the user name to cancel by e-mail at sulkupalvelu@payiq.net. The notification must be sent from the same e-mail address which is used for your registration. Once the Service provider has closed your account, you’ll receive a notification by e-mail.

Your user account will remain closed until you have contacted the Service provider’s customer service to receive instructions for reopening your account. The Service provider may close your account without receiving a notification from you if the Service provider has suspicions of irregularities.

The Service provider shall notify you immediately if it has been necessary to close your account. While using the Application, you must also comply with other contractual terms which bind you, such as those of a bank, an operator or a creditor.

To prevent the misuse of the Application, you shall be liable to store your mobile device so that outsiders cannot use the Application freely. Where possible, you must lock your mobile device using a passcode which you must not reveal to others.

You shall be liable for the unauthorized use of the Application if you have allowed the Application to be used by an unauthorized person, you have neglected to store your PIN code safely, or you have not immediately notified the Service provider that others may be in possession of your PIN code and the Application.

You shall not be liable for the unauthorized use of the Application where the Application has been used after you have requested that the Service provider close your account and after you have received a confirmation on the closure of your account as described above in this section of the contract.

7. Payer’s right to cancel a payment instruction

Since the payment instructions you make are immediately executed, payment instructions cannot be canceled once you have approved them. According to the law, there is no right of cancellation if the parties to the agreement have already met their contractual obligations in full upon the explicit request made by the Customer. The Service provider only acts as an agent transmitting the payment, and you must agree on the return of the payment with the Merchant. The return process may be initiated through the Service provider’s website, the Application, by e-mail or by phone. The Merchant’s contact details are available in the receipt you receive by e-mail.

 8. Payment transaction control and obligation to inform

You shall be liable to regularly monitor the payment instructions you make via the Application, and you must inform the Service provider of unauthorized payment transactions without unnecessary delay after discovering such transactions.

Should you find that payment instructions made using the Application have been incorrectly executed, you must immediately contact the company providing the payment method used, such as the bank issuing the credit card which has been linked to your user account. The bank or the company providing the method of payment shall examine incorrectly executed payment transactions.

9. Validity and termination of the contract

This Contract shall be in force until further notice. You may terminate the Contract within 30 days of sending a notice of termination by e-mail to the Service provider’s customer service. Please note that the Contract shall not be terminated simply by uninstalling the Application on your own mobile device.

The Service provider may terminate this contract within 30 days of termination. The Service provider shall notify you of the termination by sending a notification to the e-mail address you have provided when registering for the use of the Application.

The Service provider shall be entitled to immediately terminate the contract if you have significantly violated the terms related to the use of the Application. The Contract and your right to use the Application shall be terminated once the Service provider has sent a notification of termination to the e-mail address you have provided when registering for the use of the Application.

10. Intellectual property rights

The Service provider shall reserve all intellectual property rights to the Application developed, the system, the related technology and the contracts and documents which you may access based on this Contract.

The user shall accept and understand that the user shall not be entitled to sell or commercially utilize the Application or its contents. The user of the Application shall not have any rights of access to the underlying software (source code) of the Application.

11. Mobile device operation and data security

You shall be liable for the operation of your own mobile device. The Service provider shall not be liable for the operation of your mobile device or its connection to a network operator.

The Service provider shall be liable for its own software and the data security related to its use. The Service provider shall secure user data to the best of its ability. No data protection system is perfect, and data security risks exist in all systems. The user of the Application shall accept and understand that network-based data transfer can never be fully private or secured.

12. Liability for damages and limit of liability

The Service provider shall be liable for indirect damages caused by its own negligence where a causal connection exists between such damages and the Service provider’s actions in violation of the law or the contract and where the Service provider could reasonably have anticipated them. The liability only applies to foreseeable damage types and damage quantities and is limited to 50 euros. Liabilities based on a causal connection and independent of negligence shall only cover direct damages.

You shall be liable to take reasonable measures to limit damages. Should you neglect to limit damages, you shall be liable for damages in this regard.

The Service provider shall not be liable for damages due to measures taken by the authorities, interruptions to general traffic or payment transactions, strikes, lock-outs, boycotts, trade blockades or other equally significant and unusual events which take place regardless of the Service provider.

13. Personal data and data protection

The Merchant is a data controller referred to in personal data legislation, and the Service provider is a processor of personal data dealing with the personal data of the (registered) Customer for and on behalf of the data controller.

The Service provider shall process, for and on behalf of the data controller, the personal information provided when logging in the Application. The Service provider shall keep records of the processing activities carried out for the data controller.

In its activities, the Service provider shall be committed to comply with the applicable legislation on the processing of personal data and data protection and to follow the instructions provided by the data controller when processing personal data received from the data controller.

In connection with providing the Application, the Service provider shall implement technical and organizational measures to ensure the safety of personal data processing as provided in personal data legislation.

The Service provider shall ensure that all individuals entitled to process personal data received from the data controller as part of the Application are committed to the obligation of secrecy, or they are bound to the appropriate statutory obligation of secrecy.

After the termination of the provision of the Application, the Service provider shall return to the data controller the personal data processed by the Service provider for and on behalf of the data controller. The Service provider shall also delete potential duplicate personal data remaining in its systems, unless the preservation of such personal data is required by European Union legislation or national legislation. After the termination of the provision of the Application, the Service provider shall be entitled and liable to preserve personal data for a reasonable period of time which is required and necessary in order for the Service provider to meet its statutory obligations, such as the obligation to inform.

The Service provider shall not transfer personal data outside of the EU or the EEA without a prior written permit from the Registry keeper.

Registered individuals shall be entitled to request that data controllers grant them access to their personal data and to request the correction or deletion of such data, or the limitation of data processing, or object to data processing, and they shall be entitled to transfer the data from one system to another. The Service provider shall notify the data controller of requests made by registered individuals to exercise the rights of registered individuals under data protection legislation.

Registered individuals may send their requests to the following e-mail address: asiakaspalvelu@payiq.net.

14. Agreements made with Merchants

The Service provider shall not be liable for the products and services sold by Merchants, their quality or delivery. Instead, the sole duty of the Service provider in this chain of services is to transmit tickets and the related payment services. The Service provider shall not be liable for agreements made between Customers and Merchants. You must agree with the Merchant on potential product returns, reclamations and the return of the purchase money.

In disputes related to agreements between yourself and a Merchant, claims must be made to the Merchant. The Service provider shall in no case be liable for disputes or agreements between Customers and Merchants or Merchants’ contractual obligations.

15. Reclamations

Reclamations related to the purchase of tickets and the transmission of payment instructions shall be made by e-mail at asiakaspalvelu@payiq.net. Reclamations should be made within a reasonable amount of time after detecting an error in ticket purchase or the transmission of a payment instruction, but no later than two months after detection of the error.

A reclamation for a product or service purchased should be made to the Merchant whose contact details are on the ticket received by e-mail.

16. Jurisdiction and applicable law

This contract is governed by Finnish law or, where consumer legislation so provides, by the law applicable in the country of residence of the Customer regardless of the country in which the Application is used, provided that the Service provider engages in commercial or professional activities in the country of residence of the Consumer, or activities in any way targeting such a country or several countries in which the country concerned is included. If differences related to the contract cannot be solved by negotiation, differences will be settled in the district court which has jurisdiction in the place of business of the Service provider or in the place of management of the Service provider’s operations. A claim based on consumer protection legislation made by the Customer to the Service provider may also be examined at the district court which has jurisdiction in the place of residence or permanent domicile of the customer. If the Customer does not reside in Finland, the differences will be settled at the district court which has jurisdiction in the place of business of the Service provider or in the place of management of the Service provider’s operations.

The Customer may also request the settlement of disputes related to a consumer contract by a consumer disputes board external to the court, as provided in the Act on the Consumer Disputes Board (8/2007). A written application to a consumer disputes board may be submitted for the settlement of the dispute after the consumer has contacted a consumer information service. Further information on the procedure is available at the following address: http://www.kuluttajariita.fi.

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