General terms and conditions

The Consumer Ombudsman has negotiated general terms and conditions with a number of sectoral organisations. Participation in drafting general contract terms, which benefits both consumers and companies, is one of the Consumer Ombudsman’s duties.

General terms and conditions help prevent the use of unfair contract terms and avoid disputes between consumers and companies. The aim of drafting general contract terms is to ensure compliance with consumer protection legislation.

General terms and conditions in different sectors

This page provides a list of some general terms and conditions which have been approved by the Consumer Ombudsman or which the Consumer Ombudsman has helped to prepare by commenting on the fairness based on legislation within the Ombudsman’s purview. However, the Consumer Ombudsman’s participation in the negotiations does not guarantee that the general terms and conditions are compatible with competition law; ensuring this is the duty of the trade associations in each sector.

Contact operators in the relevant sector about general terms and conditions for which no link has been provided.

• Construction period deed to a residential unit
• Hire purchase terms for car dealerships, new and second-hand cars
• Terms and conditions of orders and contracts of sale for car dealerships, new and second-hand vehicles
• General terms and conditions of consumer sales of concrete products (2004)
• General terms and conditions of installation work associated with consumer sales of concrete products (2004)
• Terms and conditions of Bikepark services (2010, updated in 2019)
• Terms and conditions of Bikepark equipment rentals (2010, updated in 2019)
• Terms and conditions of ski resort services (2019)
• Terms and conditions of ski school services (2004, updated in 2019)
• General terms and conditions of adventurepark services (2023) pdf in Finnish
• General terms and conditions of consumer sales and installation of log house packages and log products (2010) in Finnish
• Terms and conditions of joining the gas supply network KLE (2019) pdf in Finnish
• General terms and conditions of gas supply network services KVPE (2019) pdf in Finnish
• General terms and conditions of gas retail sales KME (2019) in Finnish
• General terms and conditions of district heat services (2017) in Finnish
• General terms and conditions of reservations and cancellations for bowling alleys (2013)
• Documents related to brokering of real estate and homes: Deed to a housing company share, property brokerage contract, housing rental brokerage contract, residential unit information form, purchase offer (right to lease including buildings), property report appendix, real estate brokerage contract, property purchase offer, brokerage contract on a housing company share, housing company share report appendix and purchase offer of a housing company share (2018)
• Deed to a residential unit entitled to interest support
• General terms and conditions of tile products and accessories (2013, valid from 2 May 2014) in Finnish
• Terms and conditions of agritourism (2011)
• General terms and conditions of reservations and cancellations for accommodation businesses (2011)
• Terms and conditions of repairs to motor vehicles and their parts (2006)
• General terms and conditions for the laundry sector in Finnish
• General conditions of special work in the building sector REYS-8 (1995)  in Finnish
• General conditions of consumer contracts on building sector work RYS-9 (1998) in Finnish
• General terms and conditions of consumer sales of joinery products (2002)
• General terms and conditions of installation work associated with consumer sales of joinery products (2002)
• General terms of connecting to the electricity grid LE (2019) in Finnish
• Terms of electricity sales SME (2014) pdf in Finnish
• Terms of delivery of electricity STE (2019) in Finnish
• General terms and conditions of consumer sales and installation of house packages and elements (2011)
• General terms and conditions for the telecommunications sector (2020, valid from 1 February 2021) in Finnish
• Deed to a new residential unit
• General warranty terms for the boat sector (2012) in Finnish
• Terms and conditions of repairs to boats, engines and their parts (2012) in Finnish
• Terms of network service VPE (2019) in Finnish
• General terms and conditions under the Water Services Act (2001)
• Terms and conditions of equipment rentals (2006, updated in 2019)
• General terms and conditions for package travel (valid from 1 July 2018)
• General terms and conditions for package travel (2009)