Terms and Conditions Puhti Lab Oy
Valid as of 4 December 2023
Scope of application
These general terms and conditions apply to all contracts through which Puhti
Lab Oy (hereinafter “service provider“) offers products and services to
consumers and/or companies (“customer“). The services include, among
other things, laboratory and other examinations, dental check-up, coaching
and invoicing. To the extent that the customer is a consumer, these terms and
conditions do not limit the rights of the consumer under the Finnish Consumer
Protection Act, which cannot be agreed otherwise.
Creation and content of the contract
Unless otherwise agreed in writing, the contract is formed when the customer
places an order in the service provider’s online shop or, in the case of a
business customer, when the service provider accepts an order placed by the
business customer by e-mail.
Ordering and services
Services and products are ordered from the service provider’s online store by
adding them to a shopping cart and completing the payment for the contents
of the shopping cart. When placing an order through the online store, the
customer is required to have read and agreed to the terms and conditions of
delivery in effect at that time. The order remains valid for one year from the
date of purchase, during which the laboratory test can be taken. However, in
the case of promotional campaigns, the validity period of the order may be
shorter, and such information will be announced in connection with the
campaign. The service provider will not refund any amount paid for unused
services.
The service is available in Finnish, Swedish and English. The order requires a
Finnish personal identification number. Logging in to the Oma Puhti result
report is done with Finnish bank credentials.
The result report includes general descriptions of various tests and a
comparison of the customer’s results with reference values. If the values are
outside the reference values or if the customer suspects an illness,
they should contact a doctor themselves. The service provider does not
offer advice or medical treatment based on the test results. If desired,
the customer can separately purchase advice from a Mehiläinen
healthcare professional regarding the test results through the
OmaMehiläinen service. Mehiläinen’s current price list and terms
apply to the advisory services provided by Mehiläinen.
All customer information is treated confidentially; the processing of customer
data is described in the service provider’s privacy policy, which can be found
on Puhti’s website.
Order and payment confirmation and laboratory service provider
After a successful order and its payment, an order confirmation will be sent to
the customer’s email. To send confirmation messages, the customer must
provide an e-mail address when placing the order.
The order is valid for one (1) year from the date of the order, during which
time the laboratory test or other service may be taken, unless a different
period is specified per service. The dental dental check-up order is valid for
three (3) months. Samples are taken and analysed by Mehiläinen, who is
responsible for the production of the laboratory service and the correctness of
the results.
Delivery methods and delivery time
The sample can be taken at Mehiläinen offices in several different locations in
Finland. The contact information for Mehiläinen’s locations is listed on the
locations page. Sampling can be done at Mehiläinen locations with an
appointment during the opening hours. The customer needs to check the
opening hours from Mehiläinen.
If the customer wants to change the already reserved sampling time, the
customer must contact Mehiläinen’s customer service directly no later than
the day before the appointment. Mehiläinen reserves the right to bill for later
canceled or completely uncancelled services.
After taking the sample, the customer can see the results on the Oma Puhti
page, usually the day after the test. In some samples, however, the time to
complete the results may be longer, several days or weeks.
Prices
For products and services, the price lists valid at any given time apply. In
addition, a sampling fee of 10 euros will be added to orders under 40 euros.
Value added tax for laboratory tests is 0 %.
Value added tax for coaching services is 24 %.
Payment and payment methods
The following payment methods are available to the customer:
Employee benefit payment methods: Edenred and Epassi well-being
All domestic bank online payment buttons: Nordea, Osuuspankki,
Danske Bank, Säästöpankki, Oma Säästöpankki, POP Pankki, Aktia,
Handelsbanken, Ålandsbanken and S-Pankki.
Card payments: Visa Electron, Visa, Mastercard, American Express,
Eurocard
Mobile/online payment: MobilePay, Pivo and Siirto.
Apple Pay
Nordea B2B
Invoice and installment services: Walley, OP Invoice, OP Tililutotto
Invoicing and installment services are subject to the terms and conditions of
the creditor at any given time. More detailed applicable conditions are
described on the websites of each invoice and installment service provider.
Puhti does not guarantee the up-to-dateness of the information on the
invoicing and partial payment services stated in these terms and conditions.
Employee benefit payment methods: Edenred and Epassi welfare
You can get full terms and conditions and information
about Edenred and Epassi on their own pages.
Walley Invoice/Part Payment
Flexibility and freedom of choice – pay all at once or in installments, at your
own pace
Invoice and account credit give you more time to pay for your online shopping
purchases. Using them, you can wait for your order to arrive in peace before
paying for it. You can make the payment either at once with an invoice or in
smaller installments with an account credit, in which case you can pay the
amount that suits you best every month and spread the payment over a
maximum of 36 months.
Free payment time with an invoice – safe and easy transaction
With an invoice, you always get 30 days of interest-free payment time for your
online shopping. The long payment period enables you to check your purchase
and, if necessary, return it before the invoice is due.
To take advantage of the payment period, you need a positive credit decision,
which is easy to apply for when making a purchase. You can apply for it if you
are at least 18 years old and have a Finnish social security number and a
permanent, official home address in Finland. Your credit information is also
verified through the register of Bisnode Finland Oy.
The payment method can be used for purchases of up to €5,000.
When you have received a positive credit decision and confirmed the purchase
transaction, you will receive an invoice for your purchase in your email. If you
want to pay the bill in smaller parts and with a payment period that suits you
better (1-36 months), you should enter into a credit agreement regarding
continuous credit with Norion Bank AB by logging into My Pages at
my.walley.fi. Upon signing the credit agreement, you will be granted a credit
limit that can be used for subsequent purchases in accordance with the credit
terms.
When you have a valid credit agreement, you should only pay the minimum
amount stated on the invoice you received by the due date, but you can also
pay a larger amount if you wish. After that, you will be sent a monthly invoice
by e-mail until the loan is fully paid. If you wish, you can always reduce your
credit in installments larger than the minimum amount stated on the invoice.
Credit costs and credit example: campaign conditions apply in the
MERCHANT’S NAME online store, according to which the interest on the
account credit is 19.2% expressed as a nominal annual interest rate and the
monthly payment is €2.95 per month (€3.80 on the first bill). If the granted
credit limit is €1,000 and it has been used in full for purchases made from the
MERCHANT’S NAME online store and the credit is repaid within 36 months,
with the applicable campaign terms the effective annual interest rate is
28.6%, the total amount of credit costs is €403, the total amount to be paid is
€1,403 and the number of installments is 36 . Late payments will be charged
with statutory reminder fees and collection costs, as well as interest for the
delayed period.
Credit terms
The issuer of the invoice and credit is Norion Bank AB, organization number
556597-0513, which is the registered holder of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39. More
information: https://www.norionbank.fi/tetiada-yrytyksesta/norion-bank-group-
fi/tuotemerkit
You can find the complete terms and information about Walley Invoice and
Account Credit from the following links: More detailed service
description: https://www.walley.fi/asiakaspalvelu/ General invoicing and
account credit Terms: https://cdn.walleypay.com/terms/Terms_FI.pdf Standard
European Consumer Credit
Terms: https://cdn.walleypay.com/terms/SECCI_FI.pdf
OP Lasku
When the consumer wants to pay with OP Lasku, he chooses it as a payment
method at the checkout of the online store. The credit decision comes
immediately, and the consumer can decide later whether to pay the amount in
full or in instalments.
To use the payment method, you must be over 20 years old, able to pay, and
have a Finnish bank’s online service credentials.
The credit decision is based on an overall assessment of solvency. That’s why
income and debt service expenses are asked during commissioning and credit
information is checked.
OP Invoice offers 45 days interest-free payment period and the option to pay
in installments. An account management fee of €2.95 is added to the invoice,
and when paying in installments the annual interest is 19.00%. If the
consumer pays the minimum installment of the bill, it automatically switches
to installment payment.
OP Invoice helps the consumer stay on top of their situation: invoices are sent
by e-mail, reminders by text message. More
information: https://www.op.fi/henkiloasiakkat/paivtaiset/maksaminen/op-
lasku/tuotetietod-ja-hinnasto
OP Tililuotto
More information: https://www.paytrail.com/hubfs/sopimukset-ja-ehdot/OP-
Tililuotto-Kuluttajalle.pdf
Payment service provider
Paytrail Oyj (2122839-7) operates as the payment intermediary service
provider and in cooperation with Finnish banks and credit institutions.
Paytrail Oyj appears as the recipient of the payment on the bank statement or
card invoice and forwards the payment to the merchant. Paytrail Oyj has a
payment institution license.
Right of cancellation and refund conditions
According to the Consumer Protection Law, the consumer customer has the
right to cancel the order within 14 days of receiving it.
However, due to the nature of the service, cancellation must always be made
before taking a sample, undergoing another test, or using another service. In
coaching services, the cancellation must be done before the first discussion
with the coach.
Once a sample is taken or another service is used, the customer no longer has
the right to cancel.
In the cancellation notice, the customer must provide their name, address,
order date, and the product details, and send it by email to
asiakaspalvelu@puhti.fi or by mail to the return address below:
Puhti Lab Oy / Customer Service
Arkadiankatu 6
00100 Helsinki
If the cancellation is made within the deadline and before taking a sample,
undergoing a test, or using another service, the service provider will refund
the full amount paid by the customer within 14 days of receiving the
cancellation notice.
Processing feedback and requests regarding the service
If the product does not correspond to the order, the customer must report the
error and any claims to the service provider within 14 days at the latest,
either by email to asiakaspalvelu@puhti.fi or by calling customer service at
tel. 010 338 7049.
Force majeure
The service provider is not responsible for delays or other breaches of
obligations caused by reasons beyond the service providers’ control. Events
considered beyond the service provider’s control include strikes or other
industrial actions, fires, interruptions or other delays caused by hospital
bacteria, disruptions in electricity distribution, telecommunication
connections, or the operation of information systems, public law measures, or
any other reasons that the service provider cannot reasonably eliminate.
Damage compensation
The service provider’s liability is limited to the price paid for the service.
Indirect damages are not compensated.
