Terms and Conditions

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:

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.

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

Alisa yrityslasku

Buying with Alisa Yrityslasku is possible with just contact information and strong identification. It is sufficient for us to establish a connection between the buyer and the company they represent. The use of the payment method requires a Finnish social security number and the online banking credentials of a Finnish bank from the person making the purchase. The buyer’s right to purchase is digitally verified. For this, we recommend that the buyer uses the phone number and email address provided by the company when making the purchase.

The invoice is sent by Alisa Yritylasku primarily as an online invoice, but email invoices and paper invoices are also possible. The companies’ official e-invoicing addresses are already known, so choosing an invoicing address is also easy. The processing of the purchase invoice is designed to be as smooth as possible for the business buyer, allowing them to add the necessary reference information to the invoice.

Alisa Yrityslasku offers three payment periods: 14 days for €9.90, 30 days for €19.90, and 60 days for €29.90. The credit limit for Alisa Yrityslasku is €5,000.

If you have any questions about Alisa Business Invoice, please contact Alisa’s customer service:

• Email: yrrittisrahoitus@alisapankki.fi

• Telephone number: 0293 230 910 (Weekdays 9am-5pm, €0.1717/min)

Alisa Business invoice is made possible by Alisa Pankki Oyj.

More information about Alisa Yrityslasku can be found at the following link: Https://www.alisapankki.fi/yritysasiakas/yrityslasku

In case of delayed payment, the customer is obliged to pay late payment interest in accordance with the Interest Act, as well as reminder and collection costs.

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
Pohjoinen Hesperiankatu 17 C
00260 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.