SAXDOR LEGAL

In force from 01.10.2025.

Please take a moment to read these General Terms of Use and Sale. They explain your rights, your responsibilities and what to do if something goes wrong. If you access or use the Services, you agree to follow these Terms.

1. Definitions and general provisions

1.1. Definitions

1) Account – account of the User of the Application;

2) Application, App - the mobile software application component of the Services, including its related embedded or online Documentation, supplied by third party – Navico Group Americas LLC and designed among others to connect to the CZone Mobile Platform and interact with the hardware device – CZone Connect 1 installed on the Boat. The term includes any updates, upgrades, bug-fixes or new versions of the App delivered to Customer by Navico Group Americas LLC hereunder.

3) Boat - means a new or used Saxdor-manufactured or branded (water-borne or amphibious) vessel owned or operated by a User purchased from Provider or one of its authorized dealers, or from another third party.

4) Hardware / Supported Onboard Module – the onboard module, specialised hardware device currently marketed as CZone Connect 1 and as MySaxdor hub (or its successor modules released by the Supplier) that must be installed and connected to the Boat and paired with the App to enable the full functionality of the App. It is required for access to certain features and Services within the App, and must be properly configured according to the App's specifications to ensure seamless operation.

5) GDPR - Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April, 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation);

6) IP Rights – means all present and future copyright and related rights, trademarks, designs, patents, inventions, utility models, database rights, trade names, domain names, goodwill and the right to sue for passing off/unfair competition, rights to use, and all other intellectual property rights, whether registered or unregistered, including all applications, renewals, extensions, priorities and equivalent rights worldwide.

7) Supplier – Navico Group Americas LLC with its principal place of business at N85 W12545 Westbrook Crossing, Menomonee Falls, WI 53051, United States - a third-party supplier that provides the Application software (under licence to the Provider) and the compatible onboard hardware/modules required for certain functionalities of the App (e.g., engine, power, fuel status).

8) Party – User or Provider, altogether hereinafter also called Parties;

9) Privacy Policy – a document regulating processing of Clients’ and Users’ personal data pursuant to GDPR, adopted by the Provider and published additionally in the App;

10) Provider - Saxdor Yachts Oy, with its registered office in Finland, Tammasaarenkatu 1 , 00180 Helsinki, Finland; business ID: 3090528-1. Contact details: [email protected], correspondence address: Tammasaarenkatu 1 , 00180 Helsinki, Finland.

11) User, You – any person interested in obtaining information from the Provider, using the Application and accessing the Services, whether as a consumer or an entrepreneur (including a representative, employee or associate acting on behalf of an entrepreneur), each as defined by applicable law. Both Boat owners and individuals who do not own a Boat may be Users of the Application.

12) Services – services provided electronically, primarily enabling the use of the Application's functionalities, delivered via the Application without the simultaneous presence of the Parties, through the transmission of data, processed and transmitted electronically, including digital compression and data storage, entirely conducted through a network;

13) Supported Territories – Any country where the Provider has made the Application available for download on the Apple AppStore or the Google Play Store.

1.2. Terms and Conditions, Terms: the present Terms and Conditions, available in the App and at the following website: https://saxdor.com/termsofuse/. The Terms establish the rules for the provision of Services by the Provider through the Application via electronic means, including the terms and conditions for the performance, conclusion and termination of contracts, technical conditions and the liability of the Parties.

1.3. The Services are provided in accordance with applicable EU and national laws, including, as applicable and as amended from time to time: Directive 2000/31/EC (E-commerce), Regulation (EU) 2022/2065 (Digital Services Act), Regulation (EU) 2016/679 (GDPR), Directive (EU) 2019/770 (digital content and digital services), Directive 2002/58/EC and national implementations

1.4. Use of the Application requires acceptance of the Terms and Conditions. Failure to accept them will prevent you from using the services offered by the Provider. By accepting these Terms and Conditions, the User and the Provider enter into a contract for the supply of a digital service on the terms set out herein.

1.5. If User accepts these Terms on behalf of a company or other legal entity, the User represents and warrants that they are duly authorised to bind that entity to these Terms. In such case, references to the “User” mean that entity. If the User is not so authorised, or does not agree to these Terms, the User must not accept them and may not access or use the Application.

1.6. The User is obligated to read the Terms and Conditions before using the Application. By starting to use the Services, the User confirms that they have read the Terms and Conditions and accept them in their entirety.

1.7. These Terms do not exclude or limit any rights to which consumers are entitled under applicable mandatory consumer protection laws. In the event of any conflict between these Terms and such mandatory consumer law, the latter shall prevail.

1.8. In matters not covered by these Terms and Conditions, the relevant provisions of applicable law shall apply, in particular the provisions concerning consumer rights.

1.9. These Terms govern the Application and the Services only. They do not govern the sale, delivery, installation or warranty of any onboard hardware or third-party modules (including Hardware). Such matters are subject to separate terms of sale.

2. Subject and scope of Services.

2.1. As part of using the App Service, the User may access and use the following Services:

1) access to the status of the Boat, including:

a) bilge pump activity;

b) engines status;

c) fuel levels,

d) turning on lights;

e) power management, including AC loads, domestic battery status - module displaying the current status of the domestic (house/service) battery bank, shore power (voltage, current, frequency, power), lithium battery monitoring - a module displaying the current status of the lithium house bank;

f) battery charge;

g) water tanks level;

2) operating of certain Boat functionalities from a distance, e.g. turning on the lights of the Boat;

3) recording location of the Boat;

4) local marine weather updates;

5) a trip tracker designed to assist the User helping the User record, organize trips and revisit places;

6) BoatIQ service enabling the User to find the answers to the questions regarding the use, operating and maintenance of the Boat;

7) boating checklists with customizable templates facilitating to plan and organize the essential items to pack for the upcoming trip;

8) enabling reading the data from the CZone Connect 1;

9) access additional Saxdor resources,

10) browsing available boat models (for information purposes), and viewing news/updates of the Provider.

11) contacting with the Provider.

2.2. Full functionality of the App, as listed in point 2.1., is available when the Supported Onboard Module is present, properly installed on a supported Boat model and properly paired with the App. Full functionality also required the Boat to be in a location with Category M1 cellular coverage. Access to certain features and Services may require Supported Onboard Module to be connected and configured according to the App's requirements and certain factory-installed sales options to be available on the boat

2.3. Without Hardware the User has the access to a limited set of functionalities, including

1) local marine weather updates;

2) a trip tracker designed to assist the User helping the User record, organize trips and revisit places;

3) boating checklists with customizable templates facilitating to plan and organize the essential items to pack for the upcoming trip;

4) access additional Saxdor resources,

5) browsing available boat models (for information purposes), and viewing news/updates of the Provider.

6) contacting with the Provider.

2.4. The Application is offered to Users only within the Supported Territories. The end-user licence is granted for use within those countries. Incidental use outside the Supported Territories is not supported and the Services may not function. Availability may vary by country and app-store rule, and network/ provider coverage and may be restricted by local law. Certain features can be unavailable or limited in the countries outside Supported Territories.

2.5. The scope of functionalities available in the Application may vary depending on the Boat model, onboard modules installed, configuration, country of use, and updates. Provider does not guarantee the availability of all features described in Section 2 at all times or for all Users.

2.6. The Application and support are provided in English. Additional languages may be added over time at the Provider’s discretion.

2.7. To use the Application, you must download Application from the online store (Apple AppStore or Google Play).

2.8. The minimum technical requirements necessary to use the App are:

1) Supported operating systems are indicated in the online stores from time to time (official release, devices must not be rooted / jailbroken);

2) a mobile device with stable Internet access; remote features require the Boat to be online via the supported Hardware; data charges may apply.

3) sufficient device storage to enable use of the Services and updates of the App, and memory sufficient to run background sync and store diagnostic logs when enabled;

4) required device permissions: Bluetooth and Location/GPS enabled; and background activity allowed for notifications/sync as prompted in-app;

5) a valid email address for registration, communication and password recovery purposes.

2.9. The availability of the Services outlined in Section 2.1 above may be influenced by the configuration of the User's device. This includes enabling GSM, LTE, GPS, Bluetooth modules, granting the App the required access permissions to the device and other applications, and other related settings.

2.10. Where required permissions or connectivity are disabled or unavailable, affected features may not function and this may impact the service’s conformity.

2.11. The Application must not be used on devices with compromised security controls (e.g., jailbreak/root).

2.12. The Application is not an emergency, distress or search-and-rescue service. In an emergency, use appropriate marine channels (e.g., VHF Ch. 16) or local emergency numbers.

2.13. The User must at all times maintain a proper lookout and comply with the International Regulations for Preventing Collisions at Sea (COLREGs) and applicable local navigation rules. The Application must not be used in a manner that may create a safety risk or distract the person in command (including during manoeuvres, in narrow channels, or in restricted/speed-limited areas).

2.14. The User must not use the Application as a navigation or safety system, or rely on it as the sole source for operational decisions.

3. Registration and use of Account

3.1. The use of the App requires the User to register an Account only once.

3.2. Registration in the Application and creating an Account are voluntary, however the Services of the Application are unavailable without registering an Account.

3.3. In order to register an Account User must:

1) have an e-mail account that they own and can access;

2) provide the e-mail address in this Application;

3) after providing the e-mail address, complete the registration by supplying:

– a password chosen by the User and confirming it;

– first and last name;

– the country of residence;

4) click the button “Create”;

5) then receive a confirmation e-mail sent to that address and click the verification link to verify the e-mail address. The Account becomes active only after successful verification;

6) Provide the email-address of the account to an authorized Saxdor dealer to connect the Account to the Boat of the User.

3.4. The User is obligated to provide true, current and complete personal data. In the event of any changes to the data, the User is obliged to update it immediately.

3.5. The user shall bear the costs associated with Internet access and data transmission in accordance with their operator's tariff.

3.6. You must be 18+ and have full legal capacity. We may apply verification steps (e.g., e-mail / phone confirmation, device pairing, proof of Boat ownership for specific features). Where the User is a legal entity, access may only be granted to duly authorised representatives.

3.7. Downloading the Application and accessing it is free of charge. Full functionality of the Application is available only if the User has a compatible Boat and that Boat is properly paired to the Application (e.g., via Bluetooth or the supported onboard module). Without such pairing, certain features may be unavailable or limited.

3.8. For certain features to work properly (e.g., safety alerts, power/battery status, update notices), the User must enable notifications for the Application in the device settings and grant the required permissions. If notifications are disabled, some features may be limited and alerts may not be delivered. Marketing messages are sent only with a separate consent and can be withdrawn at any time.

3.9. It is prohibited to create accounts on behalf of other persons or under false identities.

3.10. The Provider shall not be liable for any unauthorised use of the Account if it was caused by the User.

3.11. The User is responsible for safeguarding credentials and all activity under the Account, using a strong password and, where available, enabling multi-factor authentication. The User shall promptly notify us of any suspected unauthorised use or security incident. The Provider is not liable for unauthorised use caused by the User’s breach of these duties.

3.12. The User may delete their Account at any time in their Account settings. Deleting the Application does not delete the Account. After deletion, we may retain certain data as required by law or to establish/defend claims (see the Privacy Policy).

3.13. Provider may suspend or close the Account in case of material breach of these Terms and Conditions, unlawful use, security risk, non-payment for paid features, or where required by law. The User will be notified where reasonably possible.

4. Updates of the App

4.1. The Application (and, where applicable, onboard Hardware) may be updated for legitimate reasons, including security, performance, bug fixes, compliance with law or app-store requirements, compatibility with supported devices/OS, or to add/modify features (without reducing the core functionality of the plan already in use, unless reasonably necessary) or to ensure continued compatibility with supported OS versions and Supported Onboard Modules as part of the normal use environment.

4.2. The Provider will inform the User about available updates (including security patches) and their effects, via an in-app notice (e.g., pop-up) and/or e-mail to the Account.

4.3. The User shall install available Application updates and, where applicable, onboard Hardware updates without undue delay after being informed of their availability and effects. Failure to install updates may result in limited or unavailable features and may affect the conformity of the digital service.

4.4. The Provider shall inform the User about any updates to the App, including security patches necessary to maintain the proper functioning of the App and the compliance of the Services with the Terms and Conditions. Information about updates shall be provided in a form of a pop-up window or via e-mail attached to the Account of the User.

4.5. Updates may be delivered via the relevant app store (Apple App Store/Google Play) or in-app. Where store rules apply, installation and cancellation settings are managed in the store. Some updates may require an Internet connection, sufficient storage and device restart; background data charges may apply.

4.6. To the extent permitted by law, the Provider is not responsible for non-conformity or issues caused solely by the User’s failure to install an update that was duly offered and explained, provided that:

4.6.1. the User was informed about the update and the consequences of not installing it; and

4.6.2. the failure to install was not due to errors in the installation instructions provided by the Provider.

4.7. Provider may add, modify or remove non-essential features for legitimate reasons (e.g., security, performance, legal compliance, low usage, third-party deprecation). Provider will not materially diminish the Application’s core functionalities—including, for clarity, pairing with supported onboard modules and access to key Boat status—unless reasonably necessary, for example to address a security vulnerability, ensure compliance with applicable law, or due to the permanent unavailability of a third-party component outside Provider’s control.

5. General obligations and responsibilities of the User

5.1. User is required and warrants to use the Application and the Services in accordance with their intended purpose, the Terms and Conditions, applicable laws, and in a manner that respects public order.

5.2. It is prohibited to use the Application in any way that:

5.2.1. is unlawful or infringes third-party rights (including intellectual property and privacy, e.g., non-consensual tracking);

5.2.2. compromises safety or treats the Application as a navigation/safety system or the sole basis for operational decisions;

5.2.3. interferes with, disrupts or overloads the Services, onboard devices or networks (including malware, scraping, automated access, or circumvention of security measures);

5.2.4. misrepresents identity, impersonates others, or involves unauthorised access to any vessel, device or Account;

5.2.5. publishes or transmits content that is illegal or clearly offensive (e.g., threats, hate speech) or otherwise violates good manners;

5.2.6. alters, disables or tampers with onboard modules/firmware or injects false telemetry, including attempts to bypass pairing, limits or safety control.

5.3. User has the possibility to report any errors related to the App to Provider. Reporting such issues helps the Supplier enhance the App and its associated functionalities. When submitting an error report, User should provide a detailed description of the error, including the specific circumstances in which it occurred, any visible symptoms or effects, and any actions taken by the User prior to the error.

5.4. In case of suspected breach of the Terms, security risk, fraud / abuse or legal obligation, the

Provider may:

1) suspend or restrict access to the Account/Application;

2) require re-verification or password reset;

3) remove or disable unlawful content; and

4) notify competent authorities where required.
Where reasonably possible, we will inform you of the reasons for such measures, unless disclosure is restricted by law or necessary to preserve the integrity of an investigation.

5.5. The User shall be fully responsible for maintaining the confidentiality of their Account login details, including their password, and for any actions taken through their Account as a result of negligence in terms of security. The User undertakes to immediately notify the Provider of any suspected unauthorised access to their Account or breach of security, in particular: loss of login details, disclosure of login details, interception of login details by a third party, unauthorised or illegal use of the Account, any unauthorised access to the Account by a third party.

6. Provider’s liability

6.1. Blocking the User's access to the Application pursuant to 5.4. shall not constitute improper performance of the agreement by the Provider. The Provider is not liable for damages arising solely from such measures.

6.2. Use of the Application involves potential risks, such as identity theft (phishing), spam, malicious software (malware, spyware) or hacker attacks. The User should apply standard cyber-hygiene and promptly install available updates.

6.3. The Application includes third-party components and technologies (e.g., app stores, map/data providers, onboard Hardware) that are subject to those providers’ separate terms and policies. Such terms may apply in addition to these Terms and Conditions.

6.4. The Provider may use automatic filtering and detection to identify content that violates these Terms and Conditions (including spam, bots, prohibited or clearly unlawful content). These measures may affect the visibility or availability of content. All automated actions are subject to human review under the complaint procedure.

6.5. If you suspect misuse of the Services (e.g., fraud, security incidents, unauthorised access, sanctions/export-control breaches) or believe that content published in the Application within the Services (e.g., product information, notices) may be unlawful, please contact us via the in- app form or at [email protected] with a short description and screen/location. Provider will review and take appropriate measures where warranted.

6.6. If You discover a potential security vulnerability, please report it responsibly to [email protected]. Do not publicly disclose until we confirm remediation steps.

6.7. The Provider is not liable for:

6.7.1. unavailability caused by the User’s own technical issues (hardware, software, Internet connection or location tools);

6.7.2. actions or omissions of Users;

6.7.3. the consequences of using the Application in a manner inconsistent with the Terms and Conditions;

6.7.4. content published by Users;

6.7.5. losses resulting from unavailability of the Services or any part thereof caused by circumstances described in 6.5.;

6.7.6. damage resulting from the actions of third parties, e.g. hacking, DDoS attacks;

6.7.7. actions, omissions or behaviour of third parties, including other users, external partners, network operators and service providers.

7. Force majeure

7.1. Neither Party shall be liable for failure to perform or improper performance of its obligations under the Terms and Conditions if this is caused by force majeure, understood as an external event that is impossible to predict and prevent, e.g. a natural disaster, war, epidemic, strike or failure of ICT infrastructure.

7.2. The Party affected by force majeure shall immediately notify the other Party of the occurrence of such an event and, if possible, of the expected duration of the force majeure. Once the force majeure has ceased, that Party shall immediately resume the performance of its obligations under the Terms and Conditions.

7.3. During the duration of the force majeure event, the Party affected by the event shall make every effort to minimise its effects, protect the interests of the other Party and restore the possibility of full performance of the Terms and Conditions as soon as possible.

8. Maintenance of the App and Support

8.1. The Provider uses reasonable efforts to ensure continuity of the Services. The User acknowledges that temporary interruptions may occur, including for updates, maintenance or security reasons, and that such interruptions do not constitute a defect of the Services.

8.2. Where practicable, the Provider will give prior notice of planned work via an in-app or website notice. For emergency work, notice may be provided as soon as reasonably possible.

8.3. Availability may be affected by events beyond the Provider’s reasonable control (including network/operator outages, app-store incidents, third-party or Supplier infrastructure).

8.4. The Provider offers user support for issues related to access, Accounts, functionality, bugs/defects and pairing/connectivity with supported onboard modules (e.g., Hardware). Support is provided in English on business days between 9 a.m. and 5 p.m. EEST through the support e-mail [email protected] and the in-app contact features.

8.5. Support is provided on a commercially reasonable efforts basis. These Terms and Conditions do not grant specific uptime or response-time commitments, service credits or refunds.

8.6. Support does not include on-site assistance or issues originating solely with third-party services or providers (e.g., network operators, app stores, map/data providers, unaffiliated hardware).

8.7. We may request additional information/logs or temporary diagnostic settings. Providing such data is optional but may be necessary to resolve the issue. Diagnostic data are processed in line with the Privacy Policy.

9. Personal data

9.1. Processing of personal data in connection with the Application and the Services is governed by our Privacy Policy, available in-app and in the online stores. The Privacy Policy explains, in particular, the purposes and legal bases of processing, data categories, retention periods, recipients (including the Supplier and other processors), user rights and contact details.

9.2. Unless stated otherwise in the Privacy Policy, Provider acts as the data controller for personal data processed via the Application/Services. Certain components (e.g., app stores, map/data providers, onboard modules) may process data under their own terms and privacy policies.

10. IP Rights

10.1. All intellectual property rights in the core software and technology of the Application are owned by Provider’s licensor Navico Group unless stated otherwise in conjunction with a specific in-app feature and are made available to Provider under licence. All intellectual property rights in Provider-created materials (including Provider’s photos, texts, guides, layouts) and in brand assets specific to Provider (including trademarks and product imagery) belong to Provider.

10.2. Third-party and open-source components remain the property of their respective rightsholders and are used under their licences, which prevail in case of conflict.

10.3. Subject to these Terms and Conditions, the Provider grants the User a limited, personal, revocable, non-exclusive, non-transferable and non-sublicensable licence to install and use the Application and access the Services solely for the User’s own personal (or internal business) purposes worldwide, and on up to User-owned devices that meet the minimum technical requirements.

10.4. Except where mandatory law permits, the User must not:

1) copy, modify, adapt, translate, create derivative works from, publicly display, publish or redistribute any part of the Application/Services or their content outside the Application/Website;

2) reverse engineer, decompile or disassemble the Application or bypass security/technical protection (anti-circumvention), except to the extent allowed by law and only after requesting the necessary info from us;

3) rent, lease, lend, sell, assign, sublicense, share credentials, or otherwise transfer access rights to any third party;

4) access the Application and Services by automated means (bots/scrapers), run or publish benchmarks, or use the Services to build or train competing products or models;

5) remove or alter copyright, trademark or other proprietary notices;

6) use third-party content/maps/SDKs embedded in the Application beyond what the Application permits.

10.5. The licence remains in force while the User’s Account is active and the User has access to the Services. It terminates automatically when:

1) the Account is closed or access is disabled, or

2) the User materially breaches these Terms and Conditions. After termination, the Application may remain installed but only the sign-in screen (if any) will be accessible.

10.6. For avoidance of doubt, except for the limited licence expressly granted in these Terms and Conditions, no rights are transferred to the User.

10.7. Use of the Application software (licence scope, permitted use, restrictions and IP) is governed by the End-User Licence Agreement (EULA) available at [link].

11. Complaints

11.1. User may submit complaints or support requests regarding access, functionality or non- conformity of the Application/Services to [email protected] or via in-app features.

11.2. Support is provided in English on business days between 9 a.m. and 5 p.m. EEST.

11.3. Please include device model/OS, app version, paired onboard module/firmware and a description of the issue. We may request screenshots/logs where available.

11.4. The Provider will acknowledge receipt without undue delay and aims to respond within 14 days. Where a mandatory statutory deadline applies under local law (e.g., consumer complaint handling), the final response will be provided no later than that deadline. If the case is complex, the User will be informed within the above time and a final response will follow within a reasonable time thereafter.

11.5. For clarity, where non-conformity arises solely because the user’s setup does not meet the requirements described in section 2 (including supported OS versions, required permissions, Hardware and connectivity), such issue does not constitute a defect of the digital service.

11.6. The Provider may request additional information, logs or temporary diagnostic settings. Failure to provide reasonably requested details may delay resolution. Diagnostic data are processed in line with the Privacy Policy.

11.7. Where the digital service is non-conforming, the Provider will bring it into conformity within a reasonable time. If that is impossible or disproportionate, the User may terminate the contract (close the Account) or seek other remedies available under mandatory consumer-protection law. If no price was paid, no monetary refund applies, without prejudice to statutory rights.

11.8. We prefer to resolve issues directly with our users and do not participate in consumer alternative dispute resolution (ADR) procedures.

11.9. The Application does not offer in-app purchases or paid subscriptions; no charges are collected via the Apple App Store or Google Play. If paid features are introduced in the future, billing, cancellation and refunds will be handled under the relevant store rules and initiated in the store settings. Purchases of Saxdor Shop merchandise (if accessed from the Application) are processed outside the Application and are governed by separate Terms of Sale and the seller’s policies.

12. Consumer warranty

12.1. The Provider is liable towards consumers for the conformity of the digital service with the contract, as required by mandatory consumer-protection law in the EU/EEA/UK. This liability continues throughout the period of supply of the service.

12.2. If the Application/Services are non-conforming, the consumer may request that they be brought into conformity. Where this is impossible or disproportionate, the consumer may terminate the contract (close the Account) or exercise other remedies provided by law.

12.3. The consumer shall cooperate in restoring conformity, including by installing updates duly offered by the Provider and, where applicable, onboard module firmware updates, after being informed of their availability and consequences.

12.4. Non-conformity does not cover issues caused solely by the User’s own device, connectivity or configuration not meeting the minimum technical requirements, or by the User’s failure to install updates duly offered and explained.

12.5. These rights exist independently of the complaints and support procedure described in point 11 - Complaints. Nothing in these Terms limits or excludes the rights that consumers have under applicable mandatory consumer-protection law, which prevail in case of conflict.

12.6. Unless expressly stated otherwise, the Provider does not offer any commercial guarantee in addition to the statutory rights described above.

12.7. Since the Application is provided free of charge, no monetary refund applies upon termination or non-conformity. Consumers remain entitled to statutory remedies under mandatory law, including the right to terminate the contract (close the Account) if conformity cannot be restored.

12.8. For avoidance of doubt, these Terms apply only to the Application and the Services. They do not govern the sale, delivery or warranty of the Hardware, which are subject to separate terms of sale and guarantees.

13. Amendments to the Terms

13.1. Where required by law, notices about changes are provided on a durable medium (e.g., e- mail).

13.2. Provider may update these Terms and Conditions for valid reasons (e.g., changes in law or regulatory guidance, security, new or modified features, changes of organizational nature regarding the Provider, improvements or clarifications).

13.3. Amendments do not apply retroactively and do not affect Services already performed or one-off transactions completed before the effective date, unless otherwise required by applicable law or expressly agreed by the Parties.

13.4. Provider will notify Users in-App and/or by e-mail and indicate the effective date:

13.4.1. Editorial/clarificatory updates (that do not reduce nor expand Users’ rights) take effect upon publication.

13.4.2. Material changes take effect no sooner than 14 days after notice, unless earlier implementation is reasonably necessary for legal or security reasons (in which case Provider will inform Users without undue delay).

13.5. If a User does not agree with a material change, the User may stop using the Services and close the Account before the effective date. Since the Application is provided free of charge, no monetary refund or compensation applies. Consumer rights under mandatory law remain unaffected.

13.6. Continued use of the Services after the revised Terms and Conditions have been disclosed constitutes binding acceptance of these changes by the Customer.

13.7.  Provider will keep an archive of prior versions of these Terms and make them reasonably available upon request.

14. Final provisions – applicable law, jurisdiction.

14.1. The original language of the Terms and Conditions is English.

14.2. The United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

14.3. The European Commission provides an Online Dispute Resolution (ODR) platform available at https://ec.europa.eu/odr. Provider does not participate in ADR proceedings, but EU consumers may use the ODR platform to seek assistance.

14.4. The Parties submit to the non-exclusive jurisdiction of the courts of Finland.

14.5. If the User is a consumer, nothing in these Terms affects the protection the User enjoys under the mandatory consumer-protection laws of their country of residence.

14.6. If the User is a consumer, the choice of jurisdiction does not deprive User of the protection afforded by the mandatory consumer-protection laws of your country of residence, and you may bring proceedings either in Finland or in the EU Member State of your habitual residence.

14.7. Provider prefers to resolve issues directly with Users and therefore does not participate in consumer alternative dispute resolution procedures. If User wishes to raise a concern, please contact us at [email protected]