Terms and Conditions

Terms and Conditions Puhti Lab Oy

Valid as of 4 December 2023, updated 5 January 2026

In case of discrepancies between different language versions of these terms and conditions, the Finnish version shall prevail.

1. 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, body composition measurements, 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.

2. 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.

3. 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 ordered service can be used. 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. The order requires a Finnish personal identification number. Logging in to the Oma Puhti result report is done with Finnish bank credentials and to the Puhti Body Measurements service with a combination of username and password.

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.

4. Result Reports and Healthcare Professional Supervision

• Body Measurement: The result report includes general descriptions of different body measurement results and comparison of the customer’s results with reference values. If the values are outside the reference values or if the customer suspects illness, the customer should contact a coach, advisor or doctor themselves. A healthcare professional has set the threshold values based on which necessary interventions can be made. Either a Mehiläinen nurse or a practical nurse reviews each measurement result. However, measurement results are not reviewed if less than seven (7) days have passed since the previous measurement. If measurement results exceed or fall below the set threshold values, the customer may receive a notification from a healthcare professional. Exceeding threshold values may result in our recommendation to contact a coach, advisor or doctor for additional guidance. Mehiläinen’s current price list and terms apply to the advisory services provided by Mehiläinen.

• Laboratory Tests: 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.

5. Order and Payment Confirmation and 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 measurement or other service may be used, unless a different period is specified per service. For dental check-ups, the validity period is three (3) months from the order date. Gift cards are valid for one (1) year from the order date, during which time the gift card can be redeemed.

Laboratory sample collection and analysis is carried out by Mehiläinen, who is responsible for the production of the laboratory service and the correctness of the results.

The measurement service is provided by Puhti Lab Oy. Body measurements use InBody brand measuring devices, which are one of the most accurate and tested devices on the market. The InBody measuring device is accurate when used according to instructions. Puhti Lab Oy is responsible for the visualisation and accuracy of measurement results. Accuracy is ensured by taking sufficient and frequent enough measurements and preparing for measurement in the same way each time. We calibrate and maintain measuring devices according to recommendations.

6. Delivery Methods and Delivery Time

Laboratory Tests:

Laboratory samples can be taken at Mehiläinen clinics in several different locations in Finland. The contact information for Mehiläinen’s locations is listed on the locations page. Sampling can be done at most Mehiläinen locations with an appointment during laboratory opening hours. The customer needs to check the opening hours separately from Mehiläinen’s website or from the appointment booking.

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 cancelled 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.

Body Measurement:

After ordering a body measurement package, the customer can go for measurement immediately at any Puhti body measurement self-service location during their opening hours without an appointment on a first-come, first-served basis. When arriving without an appointment, waiting times may vary according to the congestion of the location.

The locations and opening hours of the service points can be found on Puhti’s website and are linked to the opening hours of shopping centres/property owners. Please note that the opening hours of service points may vary by location. We reserve the right to exceptional opening hours.

After completing the measurement, the results are visible on the Oma Puhti site (in the reporting feature) and/or the Puhti Body Measurements site (former Omabody site). In most cases, results are available immediately, but there may sometimes be delays in data transfer, which can vary from a few minutes to even an hour. The results are also recorded in the Patient Information System, and a written visit summary is submitted to the Kanta Service.

If the purchased service includes analysis or coaching, their delivery times vary according to the situation. We will notify you when the results are ready.

7. Detailed Conditions for Body Measurements

Operating Objective and Cleanliness

Body measurement service points operate as self-service points:

• Measurements are performed independently as self-service.

• Health services are provided as remote services and the service provider has valid appropriate registrations.

• The customer fills in their own information when ordering the measurement package.

• After paying for the order, the customer receives by email a receipt, order confirmation and a link authorising door opening at service points. The link is delivered both by email and SMS.

• Instructions for preparing for measurement are sent with the messages.

• When you are going for measurement; you open the link you received in front of the service point, press the door opening button on your smartphone screen and open the door.

• The customer must have a smartphone or tablet computer with a working Internet connection switched on.

• At the service point, you follow the preparation instructions, i.e., remove clothing, take care of hygiene and measurement result accuracy, e.g. by wiping the soles of your feet and palms before starting the measurement.

• Body composition measurement results usually come within a few minutes to the Puhti Body Measurement (former Omabody website) and/or Oma Puhti websites for you to review. The service works in a browser and requires an Internet connection.

• Puhti is not responsible for transferring data to other systems in any way.

Tips are given on the service website, and the customer can, if desired, separately purchase advice from a Mehiläinen healthcare professional regarding test results through the OmaMehiläinen service.

Cleaning companies clean the surfaces of self-service points 6-7 times a week. In addition, we recommend our customers to use the hygiene products offered at the service point, such as hand sanitiser and disinfecting wipes. By disinfecting both the device and the soles and palms of the person being measured, the most pleasant experience and the most accurate measurement result are achieved. Hygiene products are designed for pleasant and appropriately sized hygiene management.

The user is responsible for the cleanliness of the interior spaces of the service point for their own use and for the normal use of the equipment at the service point. Each user must ensure that the service point door closes after their measurement visit, after which the user’s responsibility ends.

If you notice problems related to cleanliness or especially equipment such as breakages, vandalism or unusual mess, take photos and/or videos and send them to asiakaspalvelu@puhti.fi and do not take measurements. We will credit your measurement visit, start investigations with the shopping centre/property and investigate the activities of previous users. We will repair any faults found as soon as possible.

We monitor the lock logs of measurement points, the usage amounts of measuring devices and can, if necessary, deny access to measurement points if we detect disturbance or misuse.

Personal Nature of Measurement Package and Misuse

The ordered body measurement package is personal and may only be used by the person for whom the package was purchased and registered. Using the measurement package by another person is strictly prohibited. This includes, for example, situations where a customer opens the measurement point door for another person with their own door opening right or in connection with their own measurement and thus allows the use of self-service measuring device(s) without permission and without payment.

Puhti Lab Oy continuously monitors the performance of measurements in the background and reserves the right to check possible misuse. If we detect that the measurement package has been misused, the following measures may come into effect:

• Used measurement sessions will be charged or invoiced to the measurement package owner who made the door opening.

• Immediate termination of the measurement package: the measurement package is closed and unused measurements are cancelled without compensation. Old measurement results may be deleted in connection with the removal of access rights.

• Ban: the customer may be banned from Puhti’s self-service points.

• Theft/shoplifting report: Puhti reserves the right to make a criminal report of theft or shoplifting directly to the Police if there are sufficient grounds for misuse.

The customer must ensure that opening the measurement point door takes place only for their own measurement and that the door is closed carefully after the measurement.

Puhti actively cooperates with property owners and may also obtain surveillance camera recordings for use in dispute situations. Camera surveillance is only outside the measurement point.

Puhti also uses electronic lock log data, booking system usage data, measuring device usage data and possibly also InBody system data to combine all event data and form a situational picture of what happened.

Technical Issues or Operating Problems

If our self-service point service does not correspond to your order, you must report the error without delay and no later than two (2) days by email to asiakaspalvelu@puhti.fi or in writing to the address mentioned in the Right of Cancellation and Return Conditions section.

8. 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 laboratory test orders under 40 euros.

Laboratory examinations, VAT 0%.

Body composition measurement, blood pressure and grip strength measurement service, VAT 25.5%.

Coaching services mediated by Puhti, VAT 25.5%.

9. 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.

10. Cancellation Right 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, measurement or other test or before redeeming a gift card or using another service. In coaching services mediated by Puhti, the cancellation must be done at least 7 days before the first discussion with the coach. If the cancellation is made later than this, we will charge the full service price.

After taking a sample, measurement, test or using another service or redeeming a gift card, 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, measurement or test or using another service or redeeming a gift card, the service provider will refund the full amount paid by the customer within 14 days of receiving the cancellation notice.

11. Processing Feedback and Requests Regarding the Service

If the product or service 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.

12. 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.

13. Damages

The service provider’s liability is limited to the price paid for the service. Indirect damages are not compensated.