Terms of use

Users of the Varma website and services are required to familiarise themselves with and accept the terms of use. Read the terms of use carefully.

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.

The user retains the right to the blog material that has been produced by the user and which is intended for publication on the user’s pages. The user grants Varma the irrevocable and free-of-charge right to make copies of the material and to publish and make the material available to the public. Varma can make changes to the material to the extent required to benefit from the above-mentioned right. Varma can transfer the rights granted to Varma herein to another party. The user is responsible for ensuring that this material can be used and, if necessary, published, and that it does not breach the copyrights or other rights of third parties.

Personal data

Varma processes personal data in accordance with the data protection legislation 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 data protection legislation and further information on the protection of personal data


The confidentiality of email messages sent through an open data network cannot be guaranteed. Users should avoid sending personal data or other confidential information to Varma via regular email. Varma can be sent a secure email via the ‘Contact details’ page of the website.

Varma shall not be held liable for any damage resulting from messages transmitted through an open network.

Messages sent via the digital service maintained by Varma are transmitted using secure and appropriate encryption technology.

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.