General terms and conditions are used in contracts in many sectors. These are most often drawn up by industry organisations for their member companies. The Consumer Ombudsman has negotiated general contract terms and conditions with organisations in several sectors. Participation in the drafting of general contract terms and conditions, which benefits both consumers and businesses, is one of the traditional tasks of the Consumer Ombudsman. general contract terms and conditions help to prevent the use of unfair terms, and to avoid consumer and corporate disputes. The purpose of drafting general terms and conditions is to ensure compliance with consumer protection legislation. However, the Consumer Ombudsman’s participation in negotiations does not guarantee that terms and conditions are compliant with competition law. It is incumbent on industry organisations to ensure that general terms and conditions are compatible with competition law.
Most general contract terms and conditions are only available in Finnish; they are listed by our Finnish-language website.
Listed below are the translations of general terms and conditions approved by the Consumer Ombudsman, or to which the Consumer Ombudsman has contributed by commenting on the reasonableness of the terms as the basis of the legislation under supervision.