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Ecosystem Agreement

Johku Ecosystem Agreement

Effective from 30 June 2026.

This English version is a translation provided for convenience. The Finnish version (Johku Ekosysteemisopimus) is the binding version, and it prevails in the event of any discrepancy between the language versions.

Contents

1 Parties to the Agreement

The parties to this agreement are

Aptual Commerce Oy (hereinafter the “Provider”)
Business ID 2735384-2

and

a legal person that, with the Provider's consent, uses the Johku services for the business it conducts, or that, with the Provider's consent, provides training, consulting and guidance on the Johku service (hereinafter the “Customer”).

The Customer may be a trader, a company or another entity that has its domicile in Finland and a valid Finnish Business ID.

If the Customer that is a party to the agreement is a Partner Customer, the terms of this agreement concerning both the Customer and the Partner Customer apply to the contractual relationship.

It is specifically stated that the Buyers of products sold by the Customer through the Service, and the Payment Intermediaries providing payment intermediation services between the Customer and the Buyer, are under no circumstances parties to the agreement.

2 Definitions

Service

In this agreement, the Service means the Johku service produced by the Provider, which comprises the Johku App commerce system and the Johku Atlas AI, travel organiser and collaboration platform.

Customer's User Credentials

The Customer's User Credentials means one or more user IDs and passwords, or API keys, issued to the Customer and used to log in to and use the Service.

Service User Interface

The Service User Interface means the Provider's browser-based administration view, or the Service API produced by the Provider, in which and through which the Customer can use the Service.

End User

An End User means a natural or legal person using the Service on behalf of the Customer, to whom the Customer has given possession of the Customer's User Credentials and who uses the Service on the Customer's account.

Partner Customer

A Partner Customer means a legal person that, with the Provider's written consent, provides training, consulting and guidance on the use of the Service and also otherwise promotes the adoption of the Service.

Customer Material

Customer Material means all information entered into the Service and all material uploaded to the Service by the Customer.

Buyer

A Buyer means a natural or legal person who acts as the other party in a legal transaction made by the Customer using the Service. In a typical use of the Service, the Customer transfers to the Buyer the ownership of, or a right to use, goods or a service. The Buyer may create a user account for the Service maintained by the Provider, with which the Buyer identifies to the Customer's Service and obtains access to material separately specified by the Customer. A Buyer who has a user account is referred to in the DPA Agreement by the term User.

Payment Intermediary

A Payment Intermediary means a natural or legal person that provides the Customer with a payment intermediation service between the Customer and the Buyer.

Suspension of the Service

Suspension of the Service means a measure by which the Provider temporarily prevents use of the Service with the Customer's User Credentials. Customer Material is not deleted from the Service in connection with a Suspension of the Service.

Closure of the Service

Closure of the Service means a measure by which the Provider permanently prevents use of the Service and deletes the Customer Material from the Service.

Transaction Fee

A Transaction Fee means the commission charged by the Provider to the Customer on legal transactions passing through the Service. The commission is determined according to the price list in force at the time.

3 Scope of Application of the Terms

These terms apply to the contractual relationship concerning the use of the Service between Aptual Commerce Oy (the Provider) and the contracting party using the Service it provides (the Customer), unless otherwise agreed in writing.

4 Validity of the Agreement

This Agreement with the Customer enters into force when the Customer has registered in the Service User Interface accepting the terms of the service agreement, or when the Customer and the Provider have concluded a written agreement on the deployment of the Service.

The Provider may cancel an agreement that entered into force upon the Customer's registration in the User Interface within 7 days of the registration if the Customer already owes money to the Provider, the Customer has been found insolvent, or the Provider has another justified reason for cancelling the Agreement.

The Agreement is valid until further notice. The Parties may terminate the agreement as agreed in section 11 Termination of the Agreement of the Agreement.

What is stated here on the validity and amendment of the Agreement also applies to the appendices to this Agreement, unless otherwise provided in the appendix or unless the Parties separately agree otherwise in writing.

5 The Service under the Agreement

5.1 Content of the Service

The Provider produces the Service in the manner it considers best. The content of the Service is specified in the product description in force at the time, available at johku.com/.fi.

For the avoidance of doubt, it is specifically stated that

  • the Service is not a financial service or financial instrument within the meaning of Chapter 6a, Section 1 of the Consumer Protection Act; and
  • the Provider is not an intermediary of consumer goods or services within the meaning of Chapter 12, Section 1 of the Consumer Protection Act in legal transactions between the Customer and the Buyer.

5.2 Technical Support

The Provider offers the Customer technical support for the use of the Service at support.johku.com/.fi.

The Provider is entitled to charge for its support services according to its price list in force at the time. Chargeable services are always announced in advance.

5.3 Maintenance, Faults and Repairs

Any disruptions and faults in the Service are repaired during the Provider's normal working hours without undue delay, taking into account the schedule and method of repair that the Provider considers best for carrying out its operations.

The Provider is entitled to temporarily suspend the production of the Service if this is necessary for installation, repair, maintenance or other work. The Provider aims to minimise the duration of the interruption and to inform the Customer in advance where possible. If advance notice is not possible, the Provider aims to give notice as soon as possible afterwards.

The Provider is entitled, immediately and without notice, to take the necessary measures, such as suspending the connection to the Service, if the Provider has justified reason to suspect that the equipment, software, telecommunications connections or similar of the Customer or another party endanger data protection or information security.

5.4 Changes to the Service

The Provider is entitled to make technical and other changes to the Service if, viewed as a whole, the content of the agreement or the service description does not materially change as a result. The Provider will give advance notice of these where possible.

The Provider is entitled to change the Service due to a change in legislation or a decision of an authority, or for another special reason where circumstances have changed materially. If such changes require changes to the Customer's information systems or operations, the Customer must ensure, at its own expense, that they are properly implemented within a reasonable time.

The Provider is entitled to change the content of the Service without prior notice if this is justifiably necessary, for example for information security or other reasons. In that case, the Provider aims to give notice of the changes made as soon as possible afterwards.

The Provider is entitled, for a justified reason, to discontinue the production of the Service or a feature of it entirely.

The Provider is not liable for any inconvenience that a change to the Service may cause to the Customer.

The right of the Provider and the Customer to terminate the agreement due to a change to the Service is governed by what is agreed in section 11 Termination of the Agreement of this agreement.

6 Deployment and Use of the Service

6.1 Prerequisites for Using the Service

When starting to use the Service, the Customer is obliged to familiarise itself carefully with the content and operation of the Service and to test the operation of the Service and its suitability for its own use.

The Customer is responsible for having available the network connections, equipment, browser software and other internet services required for using the Service, including any of which the Service may become a part.

6.2 Connection to the Customer's Systems

The Service can be connected as part of the Customer's other information systems. The Customer must carefully investigate and test the operation of the Service and its suitability for its own information systems. The Customer uses the Service and connects it as part of its own information systems at its own risk. The Customer is responsible for the costs arising from the connection.

The Provider does not guarantee the suitability of the Service for any particular purpose or its compatibility with the Customer's information systems, unless separately agreed with the Customer in writing.

6.3 User Credentials

User Credentials are issued to the Customer only for the agreed use and remain the property of the Provider. The Customer must keep the User Credentials as agreed below in section 7 Customer's Responsibilities and Obligations.

6.4 Activities of a Partner Customer

A Partner Customer may carry out activities involving training, consulting and guidance on the use of the Service only with the Provider's written consent.

If a Partner Customer of the Service demonstrates to the Provider its know-how in using the Service and the Provider finds it sufficient for providing high-quality training, consulting and guidance, the Provider may give written permission to use the name of the Service, or a derivative of it, in the Partner Customer's communications. Written permission to use the name of the Service or a derivative of it does not transfer any industrial or intellectual property rights to the Partner Customer.

The Partner Customer is obliged both to acquire sufficient know-how of the Service for high-quality training, consulting and guidance and to maintain that know-how by following the communications issued about the Service.

The Provider has no obligation to check in advance or otherwise monitor the activities of the Partner Customer.

The Provider may, without prior notice, Suspend the provision of the Service and prohibit use of the name of the Service if the Provider detects, or has justified reason to suspect, that the Partner Customer does not comply with applicable legislation or regulatory requirements, or if a Customer notifies the Provider of activities of the Partner Customer that are contrary to these terms.

The Provider is not liable for damage caused to another Customer by the training, consulting and guidance on the Service provided by the Partner Customer.

A breach of contract by the Partner Customer may give the Provider the right to terminate the agreement for cause.

7 Customer's Responsibilities and Obligations

7.1 Compliance with the Terms, Legislation and Regulatory Requirements

The Customer must comply with all the terms agreed in this Agreement, including, but not limited to, the obligations agreed in section 6 Deployment and Use of the Service and section 7 Customer's Responsibilities and Obligations. The Customer must pay the agreed fees to the Provider as agreed in section 12 Fees and Invoicing of this agreement.

When using the Service or otherwise acting in connection with it, the Customer is obliged to comply with the legislation and regulatory requirements in force at the time. The Customer specifically undertakes to ensure

  • that the rights of consumers acting as Buyers are determined at least in the manner required by the Consumer Protection Act and other mandatory legislation
  • that the personal data of Buyers is processed with care and in compliance with the provisions of the Data Protection Act and the General Data Protection Regulation.

The Provider has no obligation to check in advance or otherwise monitor the Customer's activities. However, the Provider may, without prior notice, Suspend the provision of the Service if the Provider detects, or has justified reason to suspect, that the Customer does not comply with applicable legislation or regulatory requirements.

If the Customer violates legislation or regulatory requirements, the Provider is entitled to terminate the agreement for cause with immediate effect.

7.2 Information Provided by the Customer to the Provider

On registration, the Customer must provide the Provider with the sufficient information it needs and check that the information is correct. If the information provided by the Customer is not sufficient, or the Provider has reason to doubt its correctness, the Provider is entitled to Suspend the service.

The Customer is responsible for ensuring that End Users are aware of and have consented to the provision of information concerning them.

If the Customer fails to provide its information, to verify the correctness of the information or to notify the Provider of changes, the Provider is not liable for any damage that may result.

7.3 Notices and Instructions

The Customer is obliged to follow the notices and instructions given by the Provider concerning the Service in the Service User Interface, in the Service's technical support and by email to the address provided by the Customer, and to act in accordance with them where necessary.

7.4 User Credentials

The Customer may use the User Credentials of the Service only for use in accordance with this agreement. Passwords set by the Customer are not stored in plain text and are known only to the customer.

The Customer undertakes to keep the user ID and password and/or API keys carefully. The Customer must notify the Provider immediately if a user ID, password or API key comes to the knowledge of a third party or the Customer suspects that they are being misused.

The Customer is responsible for all activity carried out with the User Credentials of the Service. A fee according to the Provider's service price list is charged for changing a user ID, password or API keys at the Customer's request.

7.5 Customer Material

The Customer is fully responsible for the content of the Customer Material. This means, among other things but not exclusively, that the Customer Material

  • complies with laws, regulatory requirements and good practice; and
  • does not infringe the copyright or other intellectual property rights of any third party.

The Provider has no obligation to check in advance or otherwise monitor the Customer Material.

The Provider may delete Customer Material that violates the terms of this agreement, legislation or regulatory requirements, or that is contrary to good practice. If the Customer repeatedly uploads Customer Material to the service that is contrary to this agreement, the Provider is entitled to terminate the agreement for cause with immediate effect.

7.6 Legal Transactions with Third Parties

The Customer is responsible for concluding agreements with the Payment Intermediaries it chooses, for communicating with the Payment Intermediaries and for all costs charged by the Payment Intermediaries.

The Customer is also responsible for concluding agreements with other Customers using the service, for communicating with them and for all costs arising from agreements between Customers.

The Provider is under no circumstances a party to legal transactions between the Customer and the Buyer, or between the Customer and the Payment Intermediary. The Customer is responsible for all official charges arising from legal transactions between the Buyer, Customers and Payment Intermediaries.

The Provider is under no circumstances a party to legal transactions between the Customer and the Partner Customer. The Partner Customer is obliged to conclude the necessary agreements itself to the extent its activities require. The Partner Customer is responsible for all official charges arising from legal transactions relating to its own activities.

The Customer verifies, by means of test purchases before publishing its online store, that the Payment Intermediaries' services and the flow of funds from Buyers to the Customer work.

7.7 Information Security and Data Protection

The Customer itself takes care of and is responsible for the protection and information security of the devices, systems, network connections and other IT equipment and software it uses, and for preventing, limiting and remedying the related risks and harm, and for compensating any damage caused by them.

8 Provider's Responsibilities and Obligations

The Provider is responsible for producing and delivering the Service in accordance with the terms of this agreement. The Provider is obliged to take care of the operation and usability of the Service to the best of its ability and to the extent that can reasonably be expected.

If changes referred to in section 5.4 Changes to the Service are made to the Service, the Provider aims to notify the Customer of them within a reasonable time and to minimise the inconvenience caused to the Customer by implementing the changes. However, the Provider is not liable for inconvenience caused by the changes.

The Provider is obliged to exercise due care and good data processing practice in the processing of personal data. The Provider is responsible for the processing of personal data related to the use of the Service as agreed in section 13 Processing of Personal Data and Data Protection of this agreement.

The Provider is not liable for any threat, interference, unauthorised use or comparable activity directed at the Customer or the Customer's systems or devices that originates from the data network or elsewhere outside the Service.

9 Defects in the Service and Liability for Damages

9.1 Defect in the Service

The Service is deemed to be defective if it deviates materially from what has been agreed in this agreement and the deviation materially hampers the use of the Service. In the event of a possible defect, the Customer must, in order to invoke the defect, give notice of the defect as agreed in the term of this agreement concerning notices of defect.

The Provider is not liable for damage caused by a defect in the Service if the defect was due to a cause other than the Provider's act or omission. The Provider is not liable for outages, disruptions or similar caused by technical faults, maintenance or installations of the Service.

The Provider is not liable for any inconvenience that a change to the Service may cause to the Customer.

9.2 Scope of the Provider's Liability for Damages

The Provider is liable only for damage caused directly by the Provider's act or omission. The Provider is not liable, for example, for damage caused to the Customer, the Buyer or the Payment Intermediary by the actions of the Customer, the Buyer or the Payment Intermediary.

The Provider is not liable for any infringement by the Customer of the intellectual property or other rights of a third party.

The Customer is liable for the consequences of insufficient protection and for damage caused to the Provider or third parties by any harmful elements or other similar matters it introduces into the Service.

The Provider is not liable for indirect damage, damage caused by a third party, damage falling within the Customer's own responsibility, or damage resulting from force majeure. The Provider is not liable for the destruction, loss or alteration of the Customer's data or similar, or for damage resulting from it, unless the damage was caused by the Provider's intent or gross negligence.

The Provider is under no circumstances liable for problems, errors or outages in the technical equipment or services of third parties that are beyond the Provider's control.

The Provider is not liable for damage caused by the Customer's failure to fulfil its obligations under this agreement, nor for damage for which this agreement separately states that the Provider is not liable for the inconvenience or damage caused.

9.3 Maximum Amount of the Provider's Liability for Damages

The Provider's liability for damages is limited to direct damage caused to the Customer and to a maximum amount equal to the average Transaction Fees accrued from the Customer in one calendar month. The amount of the average monthly Transaction Fees is the total amount of Transaction Fees for the 12 calendar months preceding the defect, omission or similar event on which the liability for damages is based, divided by 12. If the Service has been in use for less than 12 months, the average is calculated according to the months the Service has been in use.

The Customer is obliged to take reasonable measures to limit the damage. The amount of compensation is reduced, or compensation is refused entirely, to the extent that the damage results from the Customer's own act or omission, such as careless storage of user credentials or API keys, failure to continuously test or monitor the Service or the integrations connected to it, failure to make backups, or failure to fulfil bookkeeping and reconciliation obligations, including transaction-level monitoring and reconciliation.

The parties expressly acknowledge that this limitation of liability corresponds to the level of the Transaction Fees charged for the Service and forms an essential part of the allocation of risk intended by the parties under the agreement and of the pricing of the Service. The Customer is responsible for the continuity of its own business, for backing up its data and for any necessary insurance.

The limitations of liability and the maximum amount of liability for damages stated above in this section 9 do not apply to: (a) damage caused by the Provider intentionally or through gross negligence; (b) liability that cannot be limited under mandatory provisions of law; or (c) any liability the Provider may have towards a data subject under Article 82 of the General Data Protection Regulation, which is determined in accordance with that Article and the DPA Agreement.

A claim for damages requires that the Customer has given notice of the defect in accordance with section 14.1. Failure to give notice results in the loss of the right.

9.4 Scope of the Customer's Liability for Damages

The Customer is liable for damage caused by its failure to fulfil the responsibilities and obligations agreed in this agreement.

9.5 Invoking Force Majeure to Be Released from Liability for Damages

A party invoking force majeure must show that the failure to fulfil its obligations was due to an insurmountable obstacle beyond its control. A party invoking force majeure must notify the other party in writing and without undue delay of its existence, cause and cessation. Failure to comply with the notification obligation may render the invocation of force majeure ineffective.

10 Suspension and Closure of the Service and Deletion of Material Uploaded to It

10.1 Suspension of the Service

The Provider is entitled to suspend the Service in the situations defined in this agreement or in comparable situations. The Provider is not liable for inconvenience caused by a Suspension of the Service made for a reason defined in this agreement.

When suspending the Service, the Provider notifies the suspension, and the measures required to reopen the service, to the email address the Customer has provided to the service and, where possible, in the Service user interface. The Service is closed if no response is received from the Customer within 14 days of the notice.

The Provider is entitled to charge the Customer the reopening fee in force at the time for reopening the service.

10.2 Closure of the Service

The Provider may close the Service entirely if more than 90 days have passed since the Customer last logged in to the Service User Interface and no legal transaction has been made through the Service during that time, for example no product has been sold.

The Provider may close the Service if the Provider would be entitled to terminate the Agreement for cause.

The Provider may close the Service if the Customer has not responded to a suspension notice within 14 days. The Provider may close the Service if the Customer does not remedy the conduct that led to the Suspension.

The Provider is not liable for inconvenience caused by a Closure of the Service made for a reason defined in this agreement.

10.3 Deletion of Customer Material

The Provider is entitled to delete all Customer Material and Service Events from the Service when the agreement ends, regardless of the reason for the agreement ending. The deletion of a User's personal data is governed by what is agreed in the DPA Agreement appended to this Agreement.

If the Customer Material violates what is agreed in section 7.5 Customer Material of this agreement, the Provider is entitled to delete all Customer Material and Service Events from the Service. With regard to Customer Material that may be contrary to law or regulatory requirements, the Provider follows the orders and instructions of the competent authority concerning its retention and deletion.

The Provider gives the Customer advance notice of the deletion of Customer Material to the email address provided by the Customer at least three days before the Customer Material is deleted, unless the Provider has a compelling reason to delete the Customer Material without notice.

If the Customer has been declared bankrupt, the Provider gives the bankruptcy estate an opportunity to download the necessary Customer Material before it is deleted, as agreed in section 11.2 Termination for Cause.

11 Termination of the Agreement

11.1 Termination by Notice

Either party may terminate the Agreement by delivering a written notice of termination to the other party. A notice of termination delivered by post is deemed to have reached the other party no later than on the seventh day after it was sent. A notice of termination delivered by email is deemed to have been received no later than on the third day after it was sent. The Customer may also terminate the Agreement and stop using the Service by giving notice through the Service User Interface, in which case the termination is deemed to have taken place on the date of the notice.

After termination by notice, the agreement ends one month after the end of the month in which notice was given.

11.2 Termination for Cause

Either party is entitled to terminate the agreement for cause if the other party breaches the agreement or its terms and does not remedy its conduct within 14 days of receiving written notice of it.

The Customer is entitled to terminate the agreement for cause with immediate effect by written notice if it is evident that the Provider is permanently prevented from producing the Service, or a material part of it, in a way that causes material inconvenience to the Customer.

The Provider is entitled to terminate the agreement for cause with immediate effect, without an opportunity to remedy, by written notice if the Customer has left its invoice unpaid for 14 days from the due date of the invoice, or if the Customer uses the Service or otherwise acts contrary to law, regulatory requirements or good practice. The Provider is also entitled to terminate the agreement for cause with immediate effect if the same or a similar breach of contract recurs, or for another reason due to which the Provider cannot reasonably be expected to continue the contractual relationship. Such another reason may be, for example but not exclusively, the Customer being found insolvent.

If the Customer is declared bankrupt, the Provider gives the bankruptcy estate an opportunity to commit to the Agreement. If the bankruptcy estate does not commit to the Agreement, the Provider gives the bankruptcy estate an opportunity to download the necessary Customer Material for three days from the date notified by the bankruptcy estate, after which the Provider may delete the Customer Material.

If the Provider is entitled to terminate the agreement for cause, the Provider may alternatively close the Service without losing its right to later terminate the Agreement for cause on the basis of the same event.

If the Provider has to terminate the Agreement, for cause or by notice, due to the Customer's breach or omission, the Customer is obliged to compensate the Provider for any costs incurred as a result.

12 Fees and Invoicing

The Provider charges fees for the Service in accordance with the Provider's price lists in force at the time or as otherwise agreed. The Provider is entitled to change the fees charged for the Service if the content of this agreement does not materially change as a result.

However, the Provider is also entitled to change the fees charged for the Service in a manner that can be considered material if the change results directly or indirectly from a change in legislation, a decision of an authority, a change in taxes or official charges, or a material change in circumstances due to another special reason.

Transaction Fees are invoiced in arrears, and the amount of the fees is calculated from the trade passing through the Customer's service. The Customer can check the accrued Transaction Fees in real time in the Service's internal dashboard.

Fixed-price services are available for the Customer to purchase within the Service. Fixed-price services may be invoiced either in advance or in arrears, depending on the service. Chargeable services are always announced separately.

The invoicing period is one month. If the accrued fees remain below 50 euros, the balance is carried forward to be invoiced in the following months until the accrued amount exceeds the 50-euro threshold. If six calendar months have passed since the balance was last invoiced, an accrued amount exceeding 5 euros is invoiced.

The Provider sends invoices to the electronic invoicing address provided by the customer. The Customer is liable for the Provider's receivables regardless of the address to which the invoice is delivered.

The invoice must be paid by the due date stated on the invoice.

The Provider may automatically suspend an unpaid service 14 days after the due date. The Provider is entitled to Suspend or Close the Service if a bankruptcy petition has been filed against the Customer, the Customer has been placed in liquidation, or the Customer has been found to have no assets in enforcement proceedings.

In the event of late payment, the Customer is obliged to pay the Provider penalty interest in accordance with the Interest Act and all collection costs incurred. Any objections to an invoice must be made by the due date. In the event of a dispute concerning an invoice, the undisputed part must be paid by the due date.

The Customer is obliged to pay all fees based on the agreement until the end of the month in which the Agreement ends.

13 Processing of Personal Data and Data Protection

The Provider may process personal data on behalf of the Customer to the extent required for producing the Service. The Provider undertakes to process personal data in accordance with the DPA Agreement appended to this agreement. Changes to the terms of the DPA Agreement may be agreed as stated concerning amendments to the terms of this Agreement.

The Provider processes data in accordance with its privacy notice, privacy principles and other data protection practices in force at the time. Up-to-date information on these is available at johku.fi.

14 Other Terms

14.1 Notices of Defect (Complaints)

The Customer must give written notice of a defect no later than eight days after it detected the defect or should have detected it, or, in the case of delay, after the agreement concerning the Service entered into force.

14.2 Assignment

The Customer may not assign its rights or obligations under the agreement, in whole or in part, to a third party without the Provider's prior written consent. This agreement does not give the Customer a right to resell the Service or any part of it.

The Provider is entitled to assign its rights and obligations under the agreement to a third party.

14.3 Subcontractors

The Provider may use assistants, subcontractors or other contractual partners in its delivery.

14.4 Intellectual Property Rights

All copyrights and other industrial or intellectual property rights related to the Service, or otherwise arising in connection with the performance of the agreement or the Provider's operations, belong exclusively to the Provider. The Provider does not transfer any industrial or intellectual property rights to the Customer under this agreement.

The Provider does not acquire copyright or other industrial or intellectual property rights to the Customer Material.

However, written permission to use the name of the Service or a derivative of it does not transfer any industrial or intellectual property rights to the Partner Customer.

14.5 Confidentiality

The parties undertake to keep confidential all information related to this agreement, the Service and its pricing. The Customer is responsible for ensuring that its employees, subcontractors and other parties acting on its behalf comply with these terms. The confidentiality obligation remains in force after the agreement ends.

14.6 Amendments to the Terms

The Provider is entitled to amend this agreement, its appendices and the price list as described below. Amendments are classified according to their effects as follows:

(a) Technical and clarifying amendments, amendments that are neutral or favourable to the Customer, and the introduction of new optional features. The Provider may implement such amendments without a separate approval procedure by announcing them in the Service User Interface or through other communication channels it considers best.

(b) Amendments resulting from a change in legislation, a decision of an authority, or a justified reason related to information security or legal risk. The Provider may implement such amendments on the schedule they require, immediately if necessary, and notify the Customer of them within a reasonable time.

(c) Ordinary amendments other than those referred to in points (a) and (b). The Provider notifies the Customer of the amendment at least thirty (30) days before it enters into force. The Customer is deemed to have accepted the amendment if the Customer continues to use the Service after the amendment's effective date. The Customer is entitled to terminate the agreement to end before the amendment enters into force by giving notice in accordance with section 11.1, in which case the unamended terms apply to the agreement until it ends.

(d) Material amendments that weaken the Customer's position, including increases of more than 20% in Transaction Fees or other fees, a material limitation of the Provider's liability, or the removal of an essential feature of the Service. The Provider notifies the Customer of such an amendment in the Service User Interface separately and in a clearly distinguishable manner at least sixty (60) days before it enters into force. The notice states the content of the amendment, its effective date and the Customer's right to terminate the agreement. The Customer is deemed to have accepted the amendment if the Customer continues to use the Service after the effective date. The Customer is entitled to terminate the agreement to end no later than on the amendment's effective date, in which case the unamended terms apply to the agreement until it ends.

The receipt of notices is governed by what is stated in section 11.1. Amendments do not affect legal transactions made, or rights and obligations accrued, before they enter into force. The Provider maintains a version history and change log of the agreement, showing the effective date of each version.

Material amendments to the DPA Agreement concerning the processing of personal data are agreed in the manner described in the DPA Agreement, and the Customer's legal position as controller must not be materially weakened as a result of such an amendment.

14.7 Interpretation of the Agreement

In unclear cases, the following order of precedence is applied in interpreting this agreement:

  • mandatory legislation and regulatory requirements
  • the main agreement and its appendices
  • the price list in force
  • the service description

14.8 Governing Law and Disputes

The relationship between the parties is governed by Finnish law. The parties aim to resolve disputes between them primarily through negotiation. If no settlement is reached, the Kymenlaakso District Court acts as the court of first instance.