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Terms and conditions for the use of Elo’s website

© Elo Mutual Pension Insurance Company 2024, terms and conditions of use

General terms and conditions of use

When accessing Elo’s website or Online Service, the user (hereinafter also the customer) undertakes to comply with these general terms and conditions of use. The user is not authorised to access the site without first accepting the terms and conditions in their entirety.

The website may also contain service-specific terms and conditions that the service user must accept.

Check out the general terms and conditions for the use of Elo’s online services >

The use and limitations of liability concerning the website

Elo’s website, including the services available on the website, is published online without obligation and as is. Elo has endeavoured to thoroughly ensure the accuracy of its site content. The information on the site is, however, general in nature and, thus, Elo does not guarantee its applicability to all individual cases.

Elo is not liable for the accuracy of the information presented on its website or for any possible costs, losses or incurred direct or indirect damages related to its use or the information provided on the website. The information presented on the website cannot be viewed as a binding offer, request, commitment or other obligation for Elo, unless otherwise stated.

The successful delivery of any message generated through the use of Elo’s website is the sole responsibility of the user. Elo is not liable for the integrity or stability of messages sent through its website. The user is liable for ensuring that no illegal or inappropriate materials are sent through Elo’s website or services. The user shall ensure that any materials being sent are free from viruses or other damaging content.

Confidentiality cannot be guaranteed for messages (e.g., contact request forms or chat service messages) that are sent over an open data network. If customers choose to send messages that contain confidential information to Elo via an unprotected connection, they do so at their own risk. Upon the customer’s request, Elo has the right to deliver, via e-mail, general information to the e-mail address specified by the customer. Elo is not liable for the online disclosure of information or for any resulting direct or indirect damages, if such information has been sent via an unprotected e-mail connection or open data network.

Elo is also not liable for any service interruptions or damage caused by possible technical disturbances such as telecommunications failures, data system faults, malware or data security risks. Elo does not guarantee that its website and the services offered therein are accessible on a continuous or uninterrupted basis.

This website is intended specifically for the Finnish market. 


The proprietary rights, copyrights and other immaterial rights to this website belong to Elo Mutual Pension Insurance Company or a third party.

No one may publish, distribute, transfer, copy, reproduce, store or otherwise utilise the website or a portion thereof without the advance written consent of Elo. When quoting the website, the source must always be stated as stipulated in the Copyright Act.

However, the user has permission to save individual pages on their own computer or to print them for their own non-commercial purposes. 

Links to third-party websites

The links in Elo’s website to third-party websites are only intended to be informative.

Elo is not liable in any way for the content or services on the websites offered and maintained by third parties, nor for their accuracy or legality.

The use of the user’s information in marketing

Information provided by the user via the website can be used for direct marketing purposes in the manner permitted by virtue of the currently valid legislation.

Collection of information related to transactions (cookies)

Elo uses cookies on its open website and in any online services that require logging in. Cookies are small text files that are stored by the Internet browser on the user’s device. Necessary cookies enable the functionality of the website and related chat and video services. The user can check and manage the use of cookies with this tool or by changing the data security settings in the browser. 

Read more about the use of Elo’s cookies here >

Changes to the terms and conditions of use and/or Elo’s website

Elo has the right, at any point, to change these terms and conditions of use, the content, appearance and availability of its website and the services therein, or the requirements of the hardware and software that are necessary for the use of the site, or cancel a service or deny a user access to the site without making notification of this in advance.

Applicable law

These terms and conditions and the use of the website are always governed by Finnish law, regardless of the country from which the website is accessed.

The Financial Supervisory Authority (FIN-FSA) oversees and supervises Elo’s operations. Contact details: 
Financial Supervisory Authority, Snellmaninkatu 6, P.O. Box 103, FI-00101 Helsinki. Telephone +358 (0)10 831 51.

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