Terms and Conditions

Hereinafter, Fit Kallio or the online store sells fitness services to private individuals in Finland. We reserve the right to changes in terms and prices. Product prices include Value Added Tax (VAT).

Ordering

Fitness products to be ordered are selected in the online store by adding them to the shopping cart. The order is sent by paying for the contents of the shopping cart in the online store's checkout function. By placing an order, you accept these terms and conditions, product prices, and delivery charges. If an email address is provided at the time of order, an order confirmation will be sent via email. The order confirmation will detail the ordered products and price.

Delivery

When purchasing fitness services from our online store, you will receive a PIN code that allows you to enter the main door of the fitness center 24/7. You can immediately start using the fitness services. If you want a physical access card, you must pick up the card from our customer service during its opening hours. We do not mail access cards. The access card costs €5. Membership requires at least one normal-priced calendar month after the initial period purchased from the online store. Thereafter, membership continues as an ongoing contract with one calendar month's notice period. The contract continues indefinitely until the customer terminates it, with billing cycles every 28 days. Fit Kallio has a one-calendar-month notice period unless otherwise stated, such as in campaigns, which may specify, for example, a 2-month notice period. For example, if you terminate your membership in October, your training time ends at the end of November. Also, a 12-month membership contract is defined as a binding contract period, valid for at least the period specified. After the binding period, membership continues according to the normal one-calendar-month notice period. The binding contract period is always 12 paid months. With us, you do not pay joining fees or annual service charges.

For single visits, an access card is not provided, but entry is through a PIN code. The PIN code for a single visit is valid for five (5) days.

Payment

The payment intermediary for the online store is Bambora PayForm (Paybyway Oy, business ID 2486559-4), which is registered in the payment institution register maintained by the Financial Supervisory Authority. Payments are made via Bambora's online service, and Bambora or Paybyway Oy appears as the payee on the bank statement and invoice. Bambora forwards the payments to the online retailer. Payment is secure as all transaction data is transmitted using encrypted connections, so no external party can see the payment transaction details.

The trade occurs between the online customer and the online store. The online store is responsible for all obligations related to the trade. Learn more about Bambora: https://www.bambora.com

Through the PayForm service, you can pay with online banking credentials, payment cards (credit/debit), invoice, or installment. Available payment methods include Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Local Cooperative Banks, S-Bank, Handelsbanken, Ålandsbanken, Visa, Visa Debit, Visa Electron, MasterCard, Debit MasterCard cards, as well as Jousto, Everyday, and Euroloan.

Jousto: With Jousto Invoice or Installment, you can pay in over 4000 Finnish online stores. The invoice gives you 14 days of payment time (billing fee €4.90) and Installment up to 12 months of payment time (billing fee €4.90 and monthly interest 2.42%). More information about Jousto at www.jousto.com

Everyday flexible credit: Everyday's credit limit is at least €300 and the credit is valid indefinitely. Payment in full at the end of the next month (no fees) or in monthly installments. In monthly installments, the minimum payment is 1/5 of the invoice's final sum, after the due date, 5% monthly interest is applied to the open balance. The actual annual interest rate for a typical €500 credit amount is 48.52%. More information about Everyday at www.everyday.fi

Euroloan: With Euroloan Invoice, you get your ordered products before payment and 14 days of interest-free payment time. You can also conveniently convert the invoice into an installment plan. When paying with Euroloan Installment, you can choose a payment period that suits you (3 months, 6 months, 12 months, 24 months) and get your ordered products before payment. You can also pay the entire amount at any time without additional charges. Euroloan Invoice or Installment can be chosen as a payment method by customers living in Finland, over the age of 20. The payment method is possible for purchases of €10–€2000. The installment is billed every 30 days, and for example, a purchase valued at €1500 has an actual annual interest rate of 27.9% with a 12-month payment period (including interest, billing fee, and opening charge). Our financing service has been awarded the Key Flag as a guarantee of domestic quality. More information about Euroloan at www.euroloan.fi/luotot/laskujaosamaksu

Euroloan Consumer Finance Oyj has the right to check the credit and address information of customers paying with Euroloan Invoice or Installment and to grant or deny credit based on them. Euroloan Consumer Finance Oyj (2159120-9) is a Finnish finance company operating since 2007.

Contact details for Bambora PayForm payment service:

Bambora PayForm, Paybyway Oy (Business ID 2486559-4)
Laserkatu 6
53850 Lappeenranta

payform@bambora.com
p. 029 300 5050 (weekdays 9-16)

E-invoicing

Make your e-invoice agreement quickly and conveniently for free without any additional fees. The e-invoice agreement must be concluded in your own online bank. By making the agreement, you avoid paper fees of €5.

You can conclude the e-invoicing agreement in your online bank after you have visited the gym's customer service. This ensures that your information is transferred correctly to billing without interruptions or overlaps.

Signing up for group exercise classes through the new system is possible only after your access card has been transferred to the system. A gym customer service representative will transfer your information.

 

Follow these steps:

1)      Visit reception during customer service hours. Customer service is open Mon 9-12, Mon-Thu 16-20, and Fri 9-12.

2)      Your contact information has already been transferred from the old system to the new one. In the new system, your current access card is linked to your account. At the same time, the start of the billing agreement is checked through the new system. If your membership includes group exercise classes, you can start booking group exercise classes through the new system once your information is up to date in the new system.

3)      You will receive instructions in the first letter on how to proceed with e-invoicing.

4)      Wait until you receive your first new invoice either by mail or email.

5)      Go to your online bank and reactivate the e-invoice agreement with the information found on the new invoice. Check the invoice reference number and the billing company (Kallion Kuntosalit Oy) from the new invoice.

Returns

The online store customer has a 14-day exchange and return right according to consumer protection law. The customer has the right to exchange or return part or all of the products in the order. If you wish to return the purchased fitness service, please contact customer service first and ask for return instructions. Please include your name, contact information, and bank account number for a possible refund in your cancellation request.

Cancellation of online store order, liability for defects, and complaints

Before activating the purchased service, the order can be canceled by written notification via email. The online store has a statutory liability for defects sold on products. In case of complaint situations, please contact our customer service at kallio@ole.fit.