Terms of use
These terms of use apply to the use of the brevixoo.com website and its content. By using the website you accept these terms. If you do not accept the terms, please do not use the website.
Last updated 8 November 2026
1.Parties
The brevixoo.com website is operated by Brevixoo, Fredrikinkatu 48, 00100 Helsinki, Finland, hereinafter Brevixoo. A user means any natural person or organisation using the website.
2.Description of the service
Brevixoo is a knowledge portal that publishes articles, guides and analyses on digital payments, open banking, payment security and the related regulation.
Brevixoo is not a payment institution, electronic money institution, credit institution or investment firm. We do not transmit, process or hold payments and we do not provide financial services.
3.Information, not advice
The content of the website is general information. It does not constitute legal, financial, investment, tax or other professional advice and does not replace the assessment of a qualified expert in an individual situation.
Where the content discusses individual service providers or payment methods, the discussion is limited to payment technology. A mention is not a recommendation, an advertisement or an assessment of the suitability of the service for any purpose.
4.Accuracy and timeliness of content
We aim to ensure that the content is accurate and based on reliable sources. However, regulation, standards and service features change constantly, and we cannot guarantee that all information is up to date or error-free at all times. Always check essential information from official sources.
You can report any errors you notice to support@brevixoo.com.
5.Permitted use
You may use the website for personal research, study, academic research and professional purposes. When using the website, the following are prohibited:
- disrupting the operation of the website or circumventing or testing its security without permission
- automated mass copying or scraping of content in a manner that places a load on the service
- using the contact form for spam, distributing malware or unlawful communication
- presenting the content in a manner that gives a misleading impression of the relationship between Brevixoo and any party
6.Enquiries
Information you send via the contact form is processed in accordance with the privacy policy. We respond to enquiries at our discretion and cannot guarantee a reply to every message. We do not investigate individual payment transactions.
7.Intellectual property rights
The texts, diagrams, layout and other content of the website are the property of Brevixoo or its licensors and are protected by the Finnish Copyright Act (tekijänoikeuslaki 404/1961) and other intellectual property legislation.
You may quote content in accordance with good practice and within the limits of the right of quotation under the Copyright Act, provided that you cite Brevixoo as the source and link to the original page. More extensive copying, publication or commercial use requires written permission, which can be requested from legal@brevixoo.com.
8.Trademarks
Names of companies, products and services mentioned on the website may be trademarks of their owners. Mentioning them is descriptive and does not imply cooperation, sponsorship or endorsement.
9.Links to third-party websites
The website contains links to external sources, such as legislation, authorities' websites and company publications. We are not responsible for the content, availability or privacy practices of external websites.
10.Availability of the service
We aim to keep the website available at all times but do not guarantee uninterrupted operation. We may change, suspend or discontinue the website or any part of it for maintenance, development or other reasons.
11.Disclaimer
The website and its content are provided as is. To the extent permitted by mandatory legislation, we give no express or implied warranties regarding the content, such as a warranty of fitness for a particular purpose.
12.Limitation of liability
Brevixoo is not liable for any direct or indirect damage resulting from the use of the website, reliance on its content or the inability to use the website, unless otherwise required by mandatory legislation. This limitation of liability does not apply to damage caused intentionally or through gross negligence.
13.Indemnity
The user is liable for any damage they cause to Brevixoo or to third parties by using the website in breach of these terms or the law.
14.Privacy and cookies
The processing of personal data is described in the privacy policy and the use of cookies in the cookie policy. They are separate documents that supplement these terms.
15.Changes to the terms
We may update these terms. Updated terms take effect when they are published on the website. The date of the update is shown at the top of the page. Continuing to use the website after the changes means that you accept the updated terms.
16.Governing law and dispute resolution
These terms are governed by the laws of Finland, excluding its conflict-of-law rules. Disputes shall primarily be resolved through negotiation. Otherwise, disputes shall be settled by the Helsinki District Court (Helsingin käräjäoikeus).
If you are a consumer, you also have the right to bring an action in the district court of your place of residence, and you may refer the matter to the Consumer Disputes Board (kuluttajariitalautakunta). These terms do not restrict your mandatory rights under consumer protection legislation.
17.Validity and entirety of the terms
If any provision of these terms is found to be invalid, the remaining provisions remain in force. These terms, together with the privacy policy and the cookie policy, form the entirety governing the use of the website.
18.Contact details
Questions concerning the terms of use: legal@brevixoo.com. General enquiries: admin@brevixoo.com.