TERMS AND CONDITIONS USER TERMS & CONDITIONS ("Agreement") Please read this agreement carefully. It sets out the terms under which Salusfin Oy offers you use of its services as defined in this agreement and this website ("the Site")." BY USING ANY OF THE SERVICES OR THE SITE IN ANY WAY YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND ACCEPT THESE TERMS AND CONDITIONS AND THAT THEY SHALL APPLY TO YOUR USE. IF YOU DO NOT WISH TO BE BOUND BY THEM, PLEASE LEAVE THIS WEB SITE NOW. If you do not agree to the Agreement, you are not authorized to use the Site or Services. This agreement is made between you and Salusfin Oy ("Salusfin"), postal address Finnoonniitynkuja 4, 02270 Espoo, Finland, with business ID of 2543262-7 in the Trade Register of Finland. 1. Services 1.1 Salusfin may make available services accessible through internet or this website, or other services (all together the "Services"). 1.2 The Services will be operated by Salusfin or third parties under strict contractual arrangements with Salusfin. in some cases third parties offer additional services necessary for providing you complete service which Salusfin cannot directly offer, some third parties offer those additional services as independent service providers who have control of those services and not Salusfin. When you are directed outside of Salusfin controlled services it will be made clear to you. For example, this will take place in financial transactions when placing orders. When using these additional services operated by indepedent third parties, any contracts and/or arrangements will be formed between you and them. Salusfin cannot be held liable for your use of or any liability arising out of the same. The third party may have specific additional terms and conditions which apply. 2. Use of the Site and the Services 2.1 You agree that you shall not use the Site or the Services to do anything which is invasive of another’s privacy, abusive, in breach of confidence, in breach of any intellectual property right (including copyright) or otherwise violates any applicable law or regulation, or which may otherwise impair or harm computer systems of Salusfin or any third party computer system. 2.2 Salusfin and/or its respective licensors have and retain the title of any intellectual property in all material in the Site . 2.3 Salusfin does not promise full and error free operation of the Site and/or the Services at all times. Salusfin shall use reasonable efforts to ensure that the Site, the Services and any information it holds on you are kept secure. However, due to the nature of the Internet, Salusfin will not have any liability for actions of those who intentionally attempt to and/or gain unauthorised access to the same or any damages caused by them. 2.4 No representations, warranties or terms of any kind are made for the Site and/or the Services or their contents. All information and/or data included in and/or on the Sites, the Services has been made for guidance only. All liability of Salusfin Oy, its directors, employees or other representatives howsoever arising for any loss or damage suffered as a result of your use of the Site and/or the Services or inablility to use the Site and/or the Services is expressly excluded to the full extent permitted by law. 2.5 Salusfin has title to: (a) trade mark(s) as indicated throughout the Site; and (b) all other trade marks used in the Site and/or the Service which are not licensed to it by any third party; and (c) content on this Site. All other trade marks, product names and company names or logos cited therein are the property of their respective owners. 3. Registration and credentials 3.1 Where you are asked to complete a registration form the personal details that you provide must be accurate, true and complete. 3.2 You will keep your user credentials, including your username and password(s) relevant to the Site and/or the Services confidential and not reveal them to anyone else. You are responsible for all activities that are carried out under your credentials, username and password(s). If you suspect any unauthorised use of your account you are responsible to notify Salusfin immediately by email to support@salusfin.com. 4. Data Protection and Use of Personal Information The Site and/or the Service have Privacy Policy [link] which is part of this Agreement and thus incorporated into it binding you. Usage of cookies on the Site and/or the Service is explained in the Privacy Policy. 5. Termination Salusfin may terminate your access to the Site immediately for any reason. However, agreements which contain an End User License Agreement ("EULA") where Salusfin is party of will follow rules stated in that EULA. 6. Force Majeure Neither party shall be liable to the other, for any loss or damage which may be suffered by the other party due to any cause beyond the first party's reasonable control including without limitation any power failure. 7. Notices Any notices shall be in writing and be given by sending by e-mail or alternatively as first class post to the other party's address. Any notice sent by first class post shall be deemed (in the absence of evidence of early receipt) to have been delivered seven days after dispatch. Any notice given by e-mail shall be deemed to have been delivered on the next working day following transmission. Any risk failure for transmission lies on the sender of the email. 8. Assignment 8.1 This Agreement shall be personal to you and you may not assign, transfer, sublet, lease or delegate all or any of your rights and obligations, without Salusfin prior written consent. 8.2 Salusfin reserves the right to assign or transfer all or any of its rights and obligations under this Agreement to any companies in the same group as Salusfin or other third party. In the event of assignment or transfer, notification will either be given to you by e-mail or posted on the Site. 9. No Waiver Failure by either party to exercise or enforce any right shall not be deemed to be a waiver of any right nor operate so as to bar that exercise or enforcement thereof or of any other right on any later occasion. 10. Amending of Terms Salusfin reserves the right to amend this Agreement from time to time and such changes shall become effective as soon as they are posted. Your continued use of the Site constitutes your agreement to all such changes. 11. Limitation of Liability YOU ACKNOWLEDGE AND AGREE THAT, IN NO EVENT, SHALL SALUSFIN, ANY ITS EMPLOYEES, OFFICERS, DIRECTORS, AFFILIATES OR AGENTS BE LIABLE TO YOU ON ANY LEGAL THEORY FOR INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, CONTROL BASED OR OTHER DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF REVENUE OR INCOME, LOST PROFITS, PAIN AND SUFFERING, EMOTIONAL DISTRESS, COST OF SUBSTITUTE GOODS OR SERVICES, OR SIMILAR DAMAGES SUFFERED OR INCURRED BY YOU OR ANY THIRD PARTY THAT ARISE IN CONNECTION WITH THE SITE OR SALUSFIN SERVICES (OR THE TERMINATION THEREOF FOR ANY REASON), EVEN IF SALUSFIN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SALUSFIN'S TOTAL LIABILITY ON ALL CLAIMS, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE OR BREACH OF STATUTORY DUTY), CONTROL, STRICT LIABILITY, INDEMNITY, CONTRIBUTION, OR OTHERWISE, SHALL NOT EXCEED THE PURCHASE PRICE OF SERVICES OR CONTENT. THESE LIMITATIONS SHALL NOT APPLY WHERE EXPRESSLY PROHIBITED BY LAW. WITHOUT AFFECTING SALUSFIN RESPONSIBILITIES TO YOU UNDER THIS AGREEMENT, AND TO THE FULLEST EXTENT PERMITTED BY LAW, YOU ACCEPT THAT YOU, AND NOT SALUSFIN, ARE SOLELY RESPONSIBLE FOR (I) ANY SERVICE, PRODUCT OR PROCESS WHICH USES OR INCORPORATES SALUSFIN SERVICES OR CONTENT, (II) REVIEWING/ TESTING SERVICES, GOODS AND CONTENT AND DETERMINING THEIR SUITABILITY FOR USE IN YOUR SERVICE, APPLICATION, PRODUCT OR PROCESS, AND (III) DETERMINING WHETHER YOUR SERVICE, PRODUCTS OR SYSTEMS EMPLOYING SALUSFIN SERVICES INFRINGES PATENTS, COPYRIGHTS, OR OTHER PROPRIETARY RIGHTS OF THIRD PARTIES. Salusfin Services are not designed for use in life support and/or safety equipment where malfunction of the product can result in personal injury or death. Your use Salusfin Services for use in life support and/or safety applications is at your own risk. You agree to defend and hold Salusfin harmless from any and all damages, claims, suits or expenses resulting from such use. 12 Disclaimer of Warranty THIS SITE AND SERVICES THEREIN ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. SALUSFIN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS. SALUSFIN AND ITS SUPPLIERS DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE ACCURACY, COMPLETENESS OR RELIABILITY OF THE MATERIALS ON THIS SITE, INCLUDING THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED WITHIN THESE MATERIALS. SALUSFIN MAY MAKE CHANGES TO THE MATERIALS PROVIDED ON THIS SITE, OR TO THE PRODUCTS DESCRIBED THEREIN, AT ANY TIME WITHOUT NOTICE. SALUSFIN HAS NO OBLIGATION TO UPDATE THE MATERIALS ON THIS SITE. 13. Indemnification for Breach of Terms of Use. You agree to indemnify and hold harmless Salusfin, its employees, officers, directors, affiliates or agents from and against any and all loss, expenses, damages, and costs, including without limitation reasonable attorneys fees, resulting, whether directly or indirectly, from your violation of the Terms. 14. Languages Eventhough this agreement may have been translated into a language other than English, that has been done only for convenience purposes to the user. You acknowledge, that due to several reasons, for example secondary meanings of single expressions, the texts may not be fully identical. In case of conflict, the English language version prevails. 15. Law and Jurisdiction This Agreement shall be governed by the laws of Finland and you hereby submit to the exclusive jurisdiction of the Finnish courts.