Omalaina User Agreement
1. Introduction
When you use the Omalaina.fi service (on the website www.omalaina.fi, by phone or in another way), either Sambla Group Oy or Sambla Group AB acts as the service provider:
- If you use the consumer credit brokerage service, the service is offered by Sambla Group Oy.
- If you use the brokerage service for insurance products, the service is provided by Sambla Group AB. Sambla Group AB has a cross-border license granted by the Swedish Financial Supervisory Authority (Finansinspektionen) to broker insurance products also on the Finnish market.
Below in these Terms of Use, “Sambla” refers to either Sambla Group AB or Sambla Group Oy, depending on which Service you use as described above.
We offer consumer credit and insurance brokerage (hereinafter referred to as “Services”). This means that we can broker credits and insurance for you. When you apply for a credit through Sambla, you get the opportunity to compare offers from lenders with whom we cooperate.
By using one of our Services, you agree that these Terms of Use apply to the relationship between you and Sambla. A potential co-applicant must also be aware of the content of these Terms of Use and must familiarize themselves with them carefully. It is important that both you and the potential co-applicant read the Terms of Use carefully in order to. fully understand them.
When you use the brokerage service for insurance products, we provide you with more information about the insurance and its terms.
2. Our Services
By using the Services, you authorize Sambla to request credit offers and/or insurance offers from lenders and insurance companies with whom Sambla cooperates. If you request credit brokerage, Sambla gives you the opportunity to compare offers and terms. With your consent, Sambla can choose the most suitable one from the offers you receive, if you do not make the choice yourself. Selecting or auto-selecting an offer does not automatically lead to the establishment of a credit agreement.
You never commit to accepting the credit or insurance offers you receive. You can always decide for yourself in the end whether you want to sign a credit or insurance agreement with the lender or an insurance company.
Please note that Sambla can never give guarantees or promises or otherwise make commitments on behalf of our partners. The decision to grant a credit is always made by the partner in question.
3. Our Compensation
The use of the Services is free of charge for you.
If you decide to enter into a credit agreement with one of our partners, we will receive compensation from them for having brokered the credit. Our brokerage fee may vary depending on which lender you choose.
4. Credit check and information requests
By providing information about yourself and your possible co-applicant to Sambla, you confirm that the information provided is correct and that you have permission to provide the relevant information about your co-applicant. You also accept that Sambla can obtain information on whether a potential lender has agreed to offer you a credit, as well as information on the status of your credit application from lenders acting as our partners in accordance with these Terms of Use.
By using Sambla’s service, you also agree that Sambla Group Oy can check your credit information from the credit registers of Asiakastieto Oy and/or Dun & Bradstreet Finland Oy (formerly Bisnode) before Sambla Group Oy forwards your information to lenders. Lenders may also check your credit information from the Positive Credit Register maintained by the Finnish Tax Administration.
5. Processing of personal data
In our privacy policy available on our website, we explain how Sambla collects and processes your personal data in connection with the Services and in general, and what rights you have in relation to the processing of personal data. If you have any questions about the privacy policy, you can contact us at asiakaspalvelu@omalaina.fi.
6. Your responsibilities and Sambla’s responsibilities
Before requesting credit offers, estimate your monthly income and expenses as accurately as possible. In this way, you will get an estimate of the monthly installment of your credit. Take into account your own financial situation and your co-applicant’s financial situation as a whole, if you are applying for a credit with a co-applicant. Sambla provides you with credit offers made by lenders. You must evaluate and check the information we provide about our partners’ offers before entering into a contract.
Sambla itself neither lends money nor offers insurance, but only brokers credits and insurance from our partners. The contracts you sign with our partners apply to the relationship between you and the lender/insurance company. Sambla is not responsible for any damages or losses that occur if you sign or fail to sign a contract with one of our partners.
7. The grounds for submitting consumer applications to partners and consumer disclosure
As a credit broker, Sambla delivers consumer applications for credit offers to its partners. Sambla’s partners offer consumer loans and possible other credit services that can be beneficial to consumers. Sambla delivers consumer credit applications to its own partners, who are specialized in granting consumer credits.
From the consumer’s credit application, various information from the application may be forwarded to Sambla’s partners, which is or may be necessary in the assessment and approval of credit. This information may include, for example, the consumer’s personal information such as name, address, date of birth and social security number, income and work history information, housing information, credit information and information about the what the credit is used for, as well as the amount of the credit, purpose of the credit, credit period, repayment plan and interest rate.
Sambla’s partners may use the information given in the application and obtained through it solely for the evaluation and approval of credit, and they may not use the information mentioned in the application for any other purpose without the consumer’s consent.
The consumer themselves has the right to know what information about their credit application has been forwarded to the partners. The credit broker provides this information to the consumer upon request.
8. Consumer Reviews
Sambla has ensured that the reviews displayed on the website originate from consumers who have used the company’s service or services during the year preceding the collection of feedback. Consumer reviews are independently provided and published in the form in which they were collected.
Only people who have used Sambla’s services can receive a feedback or evaluation form sent by e-mail or another similar survey, the content of which can be used in consumer reviews about Sambla and their publication. The form or survey is sent to the customer after using the service. Sambla can decide unilaterally to whom it sends possible forms and surveys. Sambla can also unilaterally decide whether or not to publish the consumer review received in response.
9. Questions, complaints and disputes
You can contact Sambla’s customer service by phone at +358(0)9-42550540 or by e-mail at asiakaspalvelu@omalaina.fi if you have any questions about the User Terms. You can also contact customer service in the event that you want to prohibit Sambla from contacting you for marketing purposes. Your feedback is important to us, and if the Services and/or Sambla do not meet your expectations, we would like to know about it.
If you are still not satisfied after contacting customer service, you can contact the person in charge of Sambla’s complaints by sending an email to valitus@sambla.fi or by sending a letter using the contact information below.
In order for us to process your complaint, please attach the following information:
- name and contact information
- the service subject to the complaint
- the start date and time of the problem that is the subject of the complaint
- description of the problem
- grounds and/or evidence.
We take all complaints seriously and investigate them quickly and properly. If Sambla has investigated your complaint and you are still not satisfied with our decision, you can turn to the Consumer Disputes Board (more information about the procedure at www.kuluttajariita.fi) or the General Court and request for the matter to be investigated.
You can get consumer legal advice related to credit and insurance matters from the consumer advice service maintained by the Finnish Competition and Consumer Authority (www.kkv.fi/kuluttajaneuvonta).
10. Contact information
Sambla Group Oy, business ID 2521965-8
Urho Kekkosen katu 7B, 00100 Helsinki
Phone: +358(0)9-42550540
E-mail: asiakaspalvelu@omalaina.fi
Sambla Group AB, Business ID (Finland) 3276421-6, Business ID (Sweden) 556974-8378
Box 5300, 102 46 Stockholm, Sweden
Phone: +46(0)770-220180
Email: kundtjanst@sambla.se
11. Amendments
Sambla reserves the right to amend and update these Terms of Use. The latest version is always available on our website www.omalaina.fi.