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Terms of use and privacy protection

Varma website – general terms of use

Use of Varma’s website and online and mobile services (the website) requires the user to comply with the following terms and conditions. Please familiarise yourself with them before using the website. In addition to these terms and conditions, special conditions may apply to Varma’s various services. Furthermore, services that require the use of banking codes or mobile certificates are subject to separate general terms and conditions.

The website and information and material contained therein are intended to be used in Finland.

Service provider

The main service provider of the website is Varma Mutual Pension Insurance Company. Visiting address: Salmisaarenranta 11, Helsinki. Mailing address: P.O. Box 1, FI-00098 VARMA, Business ID: 0533297-9. Telephone number: +358 10 2440.

Changes

Varma reserves the right to change the website’s terms of use, layout, contents, availability and services provided or other properties of the website or to close down the service at any time without advance notification and for any reason. Varma has the right to interrupt the service during maintenance and updating procedures.

Responsibility of the service provider

The information and material presented on the website cannot be considered as a binding offer, solicitation or other commitment by Varma. You can obtain more information on the products and services offered by contacting Varma.

Every effort has been made to ensure the accuracy of the information on the website. Varma does not accept liability for the accuracy of the contents on the website. The information on the website is of a general nature and Varma cannot guarantee its fitness for a particular purpose.

Varma accepts no responsibility for damage, costs or losses arising from the use of the website or from inability to access or use the website or internet-based services or for any loss or damage relating to them. Nor does Varma accept liability for any loss or damage arising from telecommunications failures, computer system errors, malware or data security risks. Varma does not guarantee that the website will function without interruption or error.

Third party information

Varma accepts no liability for material produced by a third party which may be accessed through a link on the website.

User responsibility

The user is responsible for any actions performed using the website and for ensuring that the information he or she sends through the website is correct and arrives at the intended destination. The user affirms and is responsible for ensuring that he/she does not submit any unlawful or inappropriate material to the website.

The user shall take all reasonable measures to ensure that any material submitted by him/her does not contain viruses or other destructive features.

Immaterial rights

Varma reserves the proprietary rights, copyright and other immaterial rights to the website, unless separate notice has been given. Varma reserves all rights to the website and its contents. The publication, reproduction, transmission or alteration of the website or layout is prohibited without the consent of the immaterial rights holder. This prohibition does not apply to storage on a computer or printing for personal use. The material may be quoted in accordance with the Finnish Copyright Act. In such a case, the source of the material must always be disclosed.

Personal data

Varma processes personal data in accordance with the Personal Data Act and Employees Pensions Act and ensures the protection of privacy in the handling of such data. User data collected in services requiring registration is stored in Varma's person registers. The information is used only for the purposes specified in the register description. Should it be required by a service transaction, Varma will save the messages to secure the contents of the message. Varma will disclose data in its possession to third parties only with the relevant person’s consent or if required by law. Register descriptions in accordance with the Personal Data Act and further information on the protection of personal data is available on the website.

Varma is entitled to collect, handle and analyse information relating to usage, traffic and transactions on the website and other statistical data relating to the website. Varma may also request this type of information from reliable third parties. It is not possible to identify a person based on this information.

Email

It is not possible to guarantee the confidentiality of e-mail messages transmitted via the internet. Users should avoid sending personal data or other messages of a confidential nature to Varma via e-mail.

At the user’s request, Varma is entitled to transmit information via e-mail to an e-mail address specified by the user. Varma is not liable for any damage arising from messages transmitted through the internet.

Messages transmitted through the internet-based insurance folders maintained by Varma are SSL protected.

Cookies

Varma uses cookies to enhance the user experience and to collect statistics on the use of the website. By using Varma’s website, you consent to the use of cookies.

Supervising authority

Varma's insurance business is supervised by the Finnish Financial Supervisory Authority (Fiva). Contact information for Fiva:
The Finnish Financial Supervisory Authority, Snellmaninkatu 6, P.O. Box 103, FI-00101 Helsinki, Finland. Tel. +358 10 831 51.

Governing law

These terms and conditions are governed by Finnish law.

Data protection

Protection of personal data

Varma provides pension cover in accordance with the Employees Pensions Act (TyEL) and the Self-employed Persons Pensions Act (YEL). In order to carry out this task, Varma maintains and handles the personal data of the insured and pension recipients. Regulations concerning the handling of personal data within the earnings-related pension system are laid out in the Employees Pensions Act (TyEL) and other insurance and insurance company legislation.

What data does Varma collect?

We collect the personal data of policyholders, i.e. employers and self-employed persons, the insured and pension applicants and recipients, and from official registers that Varma is legally entitled to use.

As part of its investment operations, Varma is a developer of rental flats and grants customer credit. Personal data is gathered from persons applying for flats and from lessees in connection with rental activities. In addition to the information provided by the applicants for flats and credit themselves, Varma verifies their credit information. Personal data on private customers and guarantors is compiled in the loan register.

We gather personal data expressly for the above-mentioned purposes and only to the extent that is necessary. We try to ensure that the data is accurate, complete and up-to-date.

The personal identity code is used as an identifier in Varma’s pension insurance operations, the renting of flats and granting of credit. When making pension decisions and selecting lessees on social grounds, we may also deal with sensitive data such as data concerning a person’s state of health.

Recording customer calls to improve service quality

The customer calls made to our customer service numbers are recorded in order to improve the quality of our customer service. A person’s identification information is removed from telephone calls intended for training purposes. The recording of telephone conversations takes place securely according to the Personal Data Act and the recordings are handled within the restrictions of other regulations and are not used for other purposes. The file descriptions contain more detailed information.

You can check your personal data

The file descriptions of the personal data files are available on this website and also at the company’s service point at the address Salmisaarenranta 11, Helsinki. Everyone who has personal data in the registers maintained by the company has the right to check the data pertaining to themselves and to request that any erroneous data be corrected.

Disclosure of information to third parties

The personal data in our registers can be disclosed to, for example, the Finnish Centre for Pensions and other parties implementing statutory pension cover and social security. Data is disclosed to authorities in accordance with the law. Data is not disclosed to external parties or used for direct marketing. Varma can, in its services geared towards its policyholders, insured and/or pension recipients, use subcontractors, to whom, for example, address information can be disclosed for mailing purposes. Subcontractors are required to sign a non-disclosure agreement.

Varma can disclose personal data to the authorities of other social security agreement countries also outside the European Union when carrying out tasks related to earnings-related pension cover.

Data is safe with Varma

Our personnel are bound by confidentiality as dictated by law. In addition Varma’s personnel must enter into a non-disclosure agreement as part of their employment contracts.

Varma maintains high-quality data security in its internal data network. The transfer of personal data in the public data network is secured using sufficiently secure and appropriate encryption technology.

The company’s eServices may contain links to websites maintained by other instances. Varma is not responsible for the activities of the providers of these websites.