Under this User Agreement, entrepreneur and employer customers (hereinafter Customer) of Veritas Pension Insurance (hereinafter Veritas) may grant one or more users the right to view or update the information of their earnings-related pension(s) in the Veritas online service for YEL and TyEL customers (hereinafter online service) and/or use the working capacity maintenance tools included in the service. The customer can also use the Veritas online service at any mobile device by downloading the Veritas application (hereinafter mobile application)
In the online service, the user may, for example:
- view employment information and print certificates (TyEL customers)
- print certificates, monitor contribution payments and request changes to the payment plan or YEL income (YEL customers)
- send messages to their own insurance adviser
- develop their own well-being or that of their business using a comprehensive range of working capacity maintenance tools.
The Customer shall be responsible for the information that users provide to the service as well as for any changes made by the users in the service.
Access rights are specific to each person and insurance policy. The Customer shall be responsible for ensuring that personal access rights are made available to each user. The Customer shall also define the scope of access rights for each user.
Access rights applicable to YEL insurance may be transferred and defined only by the insured entrepreneur. Access rights applicable to TyEL insurance may be transferred and prescribed by a person with the right to sign for the company.
By granting access rights concerning an insurance policy under the Self-employed Persons’ Pensions Act (YEL), the Customer authorises the user in question to read or read and update their personal YEL insurance information as well as read messages concerning the insurance policy.
By granting access rights concerning an insurance policy under the Employees Pensions Act (TyEL), the Customer authorises the user in question to read or read and update the personal and income information of all employees covered by the insurance policy. As of 1 January 2019, all income information shall be submitted to the Incomes Register.
Users may also be given access only to tools and materials for maintaining working capacity.
The Customer shall be responsible for ensuring that access rights are immediately withdrawn from users who are no longer employed, whose work duties have been changed or who no longer have the right to use the online service for some other reason. A request for changes to the access rights may be made by the entrepreneur (YEL insurance) or a person with the right to sign for the company (TyEL insurance). Such requests shall be submitted to Veritas in writing, such as by sending a message in the online service.
Registration and login
Users log in to the online service with strong personal identification on the Suomi.fi E-identification service, using personal banking codes, a mobile certificate or certificate card.
When logging in for the first time, users are asked to check their own information. Upon registration, the users’ information is stored in the online service. Users need to register only one time.
The Customer and the users authorised by it shall be obligated to keep the online service user codes in a safe place and separate from one another in order to prevent them from falling into the hands of unauthorised persons. In the event that the codes go missing, Veritas shall be notified immediately.
Deployment of the mobile application
The customer and his authorized users can download the Veritas mobile application from AppStore and the Google Play app stores. The first login requires strong personal identification in the Suomi.fi authentication service with personal bank codes, mobile certificate or certificate card. After that login takes place with fingerprint, face recognition or with a personal PIN, depending on the device. For security reasons the application requires strong authentication once a year. The application is available for the same user on up to three different mobile devices.
The mobile application user is responsible for ensuring that a third party cannot access the online service on his mobile device. The loss of the mobile device should be reported to Veritas immediately. The user must immediately remove the mobile IDs associated with the user from the service user information or after receiving the information during customer service hours this may also be done by Veritas customer service.
Use of the service
Veritas shall make every effort to provide advance notification of any interruption of service in the online service that is necessary to perform maintenance during business hours.
If you have any questions regarding the service, please contact Veritas Customer Service:
- TyEL insurance tel. +358 (0)10 195 600
- YEL insurance tel. +358 (0)10 195 612
Our Customer Service is open weekdays 8:00 am–4:00 pm.
Responsibility for ensuring that the information is correct
All information provided via the online service is binding for the Customer. The Customer shall be responsible for ensuring that the information provided is correct and that the deadlines are observed.
The Customer and Veritas shall both be responsible for their own data systems as well as for ensuring that their systems are equipped with the proper data security. The parties to this agreement shall also be individually responsible for ensuring that all personal data is carefully processed in accordance with applicable legislation in order to ensure the confidentiality of data.
The online service’s data connections as well as all communications via the service are protected by SSL encryption. Veritas is not liable for any damages incurred by the Customer due to data security risks (e.g. data viruses) or caused by a third party (Suomi.fi, Paytrail). Furthermore, Veritas is not liable for damages possibly incurred by the Customer due to the loss or alteration of data in the network.
Collecting information on use of the service (cookies)
Veritas reserves the right to collect (e.g. by means of cookies) information on the usage of the online service in order to improve the quality of service and monitor and develop service functionality, or for statistics and research purposes. Individual users cannot be identified from the information collected. Information is collected by means of, for example, Google Analytics.
The online service will not function if the user has disabled cookies in their browser settings.
Rights on the provision of services
The service is copyrighted by Veritas. Veritas reserves the right to make changes to the service.
The use of the online service is free of charge for the Customer and its users. The Customer shall be responsible for obtaining its own network connections and codes as well as the hardware and software needed for use of the service. Furthermore, the Customer shall be responsible for the costs incurred by said hardware and software and ensure that they are kept up to date.
Limitation of liability
Veritas shall not be liable for any damages incurred by use of the online service. Veritas issues no guarantees of any kind for the uninterrupted and error-free use of the service. Furthermore, Veritas shall not be liable for any damages resulting from cases of force majeure or for other equivalent reasons that materially hinder the proper function of the online service.
Veritas shall not be liable for functions in the online service that are provided by third parties (e.g. Suomi.fi, Paytrail) and issues no guarantees of any kind for the uninterrupted and error-free use of said functions. Said functions shall be subject to the end user terms of service for each of these third-party service providers.
Amendment of the agreement
Veritas reserves the right to make changes to this User Agreement. Any changes made to the terms of service shall be posted on the Veritas website at www.veritas.fi. If the Customer does not accept the changes made, it shall no longer have access to the online service.
Termination of agreement
The User Agreement shall remain in effect indefinitely, but no longer than the Customer’s insurance policy is valid at Veritas. When the Customer’s insurance policy expires, the user’s right to use the insurance services shall also expire in accordance with these terms of service.
Either party shall also be entitled to terminate this User Agreement in writing with immediate effect. In such cases, the Customer’s insurance policy shall remain in effect, but access to the online service will cease. Users may be added or removed without requiring termination of the User Agreement.
However, Veritas may block a single user without terminating the User Agreement if said user violates the terms of the agreement, otherwise acts in an inappropriate manner, or it is necessary to ensure that information is used appropriately.
Data protection at Veritas
A description of the personal data collected by Veritas concerning registered users and how this data is processed can be found at www.veritas.fi/en/data-protection.
This User Agreement is subject to Finnish law and any disputes arising herefrom shall be resolved by the District Court of Southwest Finland. The agreement has been drafted in two identical copies, with one copy going to each party.