Terms and conditions

Checkfin Ltd FI31941188 (online shop) sells products and services to private persons and companies in Finland and abroad. We reserve all rights to change the terms and conditions, and the prices. All prices include VAT.

Contact us

  • Checkfin Ltd
  • Nummenkatu 15, 28120 Pori, Finland
  • +358 45 853 2922
  • [email protected]
  • FI31941188


These terms and conditions apply to the products and services offered online to the customer. We sell products and services online to individuals and companies of legal age in Finland and abroad.

Service description

Checkfin Ltd offers online training courses and consulting services. Training courses are located in the cloud services of Verkkokurssikone. You can find more information about the cloud service at: https://verkkokurssitehdas.fi

Ordering online courses and consulting, pricing

Participation in online courses and consulting services is done by registering and ordering the product in question through the Shopping Cart of the online store or through the registration or order form. To order, you must provide an email address while placing the order. The use of the services requires that the customer has an Internet connection and a computer or mobile device that enables Internet access.

Prices are charged in the online store according to the price list at the time of ordering. Prices include VAT (24%). Delivery costs are not added to the prices. We reserve the right to change prices and delivery terms.

All orders are confirmed by email. The order confirmation sent to the customer acts as a payment receipt, and no other receipt is sent. When purchasing through Shopping Cart, the order confirmation can also be viewed in the customer’s own account in Checkfin’s online store.

The customer agrees to the terms and conditions for each order.


The customer will have access to the online course immediately after payment. This means that the delivery of the service to the customer has started with the customer’s consent electronically before the end of the 14-day cancellation period for distance selling. For this reason, the 14-day right of cancellation does not apply to online courses purchased from the online store.

When purchasing through the registration or order form, the cancellation must be done in writing to [email protected] at the latest before the end of the 14-day cancellation period.

For webinars and consulting services, cancellations must be made in writing [email protected] no later than 8 days before the start of the event. Cancellations made after this will be charged 50% of the webinar price. If participation is not canceled at all, the full webinar price will be charged. If the person registered can not participate, the training place may be transferred to another person within the same organization.

Problems while using the service

If there are any technical or other problems with the use of the online store or online courses, the customer should contact Checkfin immediately, either by e-mail or telephone.

Ordering products other than online courses

The products to be ordered are selected on the website by adding them to the shopping cart. The order is sent by paying for the contents of the Shopping Cart in the e-commerce checkout function. By placing an order, you accept these delivery terms, product prices, and delivery costs. If an e-mail address is provided at the time of order, an order confirmation will be sent by e-mail. The ordered products and the price appear in the order confirmation.


Visma Pay (Paybyway Oy, business-id FI24865594) is the payment facilitator of the online shop. Paybyway Oy is a payment facilitator authorized by the Financial Supervisory Authority of Finland. The payment process is conducted in the online service of Visma Pay. Visma Pay or Paybyway Oy is shown as the receiver of your payment in the bank account listing and in your invoice. Paying with Visma Pay is safe. All information is exchanged through secured connections. The trade happens between the online customer and the online shop. The online shop is responsible for all obligations related to the trade. 

Read more about Visma Pay: https://www.visma.fi/vismapay/

Companies can also order products and services with an invoice from Checkfin Oy by filling out the order or registration form. When paying by invoice, the payment term is 14 days net, unless otherwise agreed.

Payment methods in Shopping Cart

With Visma Pay you can pay your order by an internet banking account, a wallet, a payment card (credit/debit), an invoice or a partial payment. The following methods of payment are supported: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, Jousto, Enterpay Company Invoice, MobilePay, Masterpass, Pivo, Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard payment cards.

MobilePay: You can pay with your MobilePay wallet if you have allowed online payments in the settings of the MobilePay application. Payment via MobilePay takes place directly from the payment card linked to MobilePay. If charging the payment from the linked card fails, MobilePay can not be used in the online shop.

Pivo: Terms and conditions of Pivo can be found here: https://pivo.fi/kayttoehdot/pivon-kayttoehdot/

Jousto invoice and part-payment is a Finnish service for making purchases quickly and safely. Jousto is for private persons having their economy in balance. With Jousto you will get 30 days’ time to pay without interest or expenses. After you have received an invoice, you can decide to pay it at once or in parts. You can pay our purchase in up to 36 parts, starting from 9,90 euro/month. Expenses for Jousto part-payment are 3,90 euro/month and 19,90% interest. With Jousto you can pay purchases from 30 to 3000 euro. Aurajoki Nordic Oy issues the credit. Read more from www.jousto.com.

Contact Visma Pay

  • Visma Pay, Paybyway Oy
  • Laserkatu 6, 53850 Lappeenranta, Finland
  • +358 9 315 42037
  • [email protected]
  • FI24865594


Orders are being shipped during workdays. Products from the stock are usually delivered within 3-5 workdays. Delivery for products that are not in stock usually takes 1-3 weeks. Shipping costs are defined by the selected delivery method, possible extra services, shipment weight, and size. The shipping costs can be seen in the check-out functionality before confirming the order.

Please inform us without a delay – at least within 14 days – in case a product has been lost or damaged in shipping. The logistics company must be also informed regarding any products damaged in shipping.

Termination of the contract

The contract for the trainings for unlimited use service is valid for 12 months from the order of the service, after which the validity continues indefinitely. After 12 months, the service can be terminated at any time during the contract period, but no later than one month before the start of the next contract period. Termination is sent in writing to [email protected].


The customer has a right to change or return ordered products within 14 days of receiving the order. The customer has a right to change or return all or part of the products in the order. The changed and returned products must be unused and in the original packaging. If you wish to change or return products, please contact us first for the instructions. Please attach your name, contact details, and your bank account number for receiving the refund.

Canceling an order, defect liability, and reclamations

The customer has the right to cancel an order before the order is dispatched. The cancellation must be done in writing by emailing [email protected] to the customer support of the online shop.

The online shop is liable for defects in the sold products according to the applicable law. Please contact the customer support of the online shop immediately in case of reclamation. The consumer has a right to file a dispute in the Consumer Disputes Board in a case of dispute between the online shop and the consumer.