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.


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.


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.

Collection of information while on the website

This website uses cookies. Cookies are small data files that are saved to your computer and which contain information about your visit on the website. The use of cookies enables Varma to improve the usability of its website, compile statistics on browsing activity and target information to you, the user. Cookies also save so-called personalised information about the pages you have visited.

Cookies save data files on the user’s IP address, time of visit, pages visited and type of browser, as well as the web address and server from which the user arrived at Varma’s website.

Approval of cookies

By visiting the website, you consent to Varma collecting, handling and analysing information related 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.

Disabling cookies

You can stop cookies from being saved by changing the data security settings in your browser. It should be noted that cookies might be necessary for some services to function properly and as planned. Cookies must be enabled when you use Varma’s services that require logging in.

You can also set your browser settings so that you are informed of cookies being saved and thereafter can either accept or reject the cookie.

More information about cookies and the secure use of web services is available on the Finnish Communications Regulatory Authority’s website.

The Information Society Code, Section 205, states: The service provider may save cookies or other data concerning the use of the service in the user’s terminal device, and use such data, if the user has given his or her consent thereto and the service provider gives the user comprehensible and complete information on the purposes of saving or using such data.

Third party services that use cookies on the website

These services collect information anonymously and do not save any personal data.

The following third-party services which use cookies are linked to the website:

Adform collects information about the impacts of advertising and the user’s advertising-related activity. It is also used to target advertising based on sites the user is interested in.

We monitor the use of and activities on our website with the help of Google Analytics, Hotjar and Snoobi. These services save, among other things, the number of visitors and the time they spend on different web pages.

We use Google Tag Manager to set cookies on our website.

Visual Website Optimizer helps us to analyse user behaviour on the website and make comparisons using A/B testing.

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.