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User agreement, October 2022

This service has been provided by twoday Oy. By accessing, giving personal and other information, downloading or otherwise using the Service or any webpage or feature available through the Service, any information provided as part of the the Service services, or any related emails, newsletters or services (hereinafter collectively "Signom" or the "Service(s)"), or by clicking "Log in" or "Register" during the registration process, You conclude a legally binding agreement with twoday Oy, Business ID 1988069-3, Keskuskatu 3, 00100 Helsinki, Finland, E. U. (hereinafter also "we") based on the terms of this Signom User Agreement ("Agreement"). If you are using the Service on behalf of a company or other legal entity, such entity may have a separate agreement with us, but you are nevertheless individually bound by this Agreement.

If you do not want to conclude the Agreement, do NOT click "Log in" or "Register" and do not access, give your information, download or otherwise use the Service.

1. Your Obligation - What You Must Do

Comply with laws and the Agreement: You must comply with all applicable laws, the Agreement, as may be amended, and the following terms, which are incorporated into this Agreement:

  • DOs and DON'Ts
  • Privacy Policy
  • Other Notices

License and warrant your submissions:You do not have to submit anything to us, but if you choose to submit something (including but not limited to personal information, documents and data), you must grant, and you actually grant by concluding the Agreement, a non-exclusive, worldwide, assignable, sublicenseable, fully paid up and royalty-free right to us to copy, reproduce, distribute, remove, retain, and use for the sole purpose of providing the Service, anything that you submit to us, without any further consent, notice and/or compensation to you or any third parties. The license shall terminate when you remove your content from the Services and when it is no longer needed for us to provide the Services. The license shall not give us the right to use any of your content outside the Service or transmit it to third parties (excluding third parties necessary for the technical execution of the Services or for confirming any details you have provided us, such as your bank and governmental authorities).

By submitting any information to us, you represent and warrant that such submission is accurate to your best knowledge, not confidential, and not in violation of any contractual restrictions or other third party rights. twoday Oy utilizes methods to identify its users, but exercises no control over any content you or others submit when using the Services.

Copyrights of any content you upload to the Services, such as documents to be signed, shall remain with you, Signom shall not use or utilize your content for any other purposes than those related to the Service. twoday Oy strives to maintain the confidentiality of any information you upload; however you should keep in mind that it is always possible for someone to try exploit or misuse information being transmitted over the Internet. Signom shall not be responsible in any way whatsoever of exploitation or misuse of your information by any third party.

Note that we describe our current practices related to personally identifiable information collected through the Service in our Privacy Policy and that we may update our policies and practices from time to time at our sole discretion.

Service eligibility: You represent and warrant that you (a) are at least 18 years old and otherwise have reached your majority; (b) have not previously been suspended or removed from the Service; (c) are not a direct competitor of twoday Oy or the Service and/or are not acting on behalf of such competitor; (d) do not have more than one account at any given time; and (e) that you have full power and authority to enter into this Agreement and in doing so will not violate any other agreement to which you are a party. In addition, you must provide all equipment and software necessary to connect to the Service, including, but not limited to, if the Service contains a mobile element, a mobile hand set or other mobile access device that is in working order and suitable for use in connection with the Service and to use any part of the Service.

To use the Services for signing documents electronically, you must have a valid online banking account and related passwords from an applicable bank or other applicable strong identification method. Provided that you are using authentication data received from Nordea Bank to sign a document, you are not authorized to utilize this signature service to create a new strong authentication method or authentication or other similar electronic authentication data as described in the Strong Authentication and Electronic Signature Act (7.8.2009/617).

Keep your password secure:Keep your password confidential, do not use other users' accounts and do not let others use your account; you are responsible for anything that happens through your account - until you notify us of a breach (support.signom@twoday.com), close down your account or prove that your account security was compromised due to a fault of our systems. You are prohibited from selling, trading or otherwise transferring your account or any information therein to another party or charging anyone for access to any portion of the Service, or any information therein.

Indemnify us: You have to indemnify us and hold us harmless from any damages, losses and costs (including, but not limited to, reasonable attorneys' fees) related to third party claims, charges or investigations, caused by (a) your failure to comply with this Agreement, including, without limitation, your submission of content that violates third party rights or applicable laws, (b) any content you submit to the Service or (c) any activity in which you engage on or through the Service.

Pay: Using the service is free to you.

Notify us of acts contrary to the Agreement:If you believe that you are entitled or obligated to act contrary to this Agreement under any mandatory laws, you agree to provide us with detailed, 30 days prior written notice before you act contrary to this Agreement, to allow us to assess whether we may, at our sole discretion, provide an alternative remedy for the situation.

2. Your Rights - What You May Do

On the condition that you comply with all your obligations under the Agreement, we grant you a limited, revocable, non-exclusive, non-assignable, non-sublicenseable right to access, through a generally available web browser (but not any scraping, spidering, crawling or other technology or specialist software used to harvest data) to view information that we provide on the Service web pages as we intend such information to be used, and only in accordance with the Agreement and any specific terms of use that we make available to you. You may submit content and information to us at your own risk. We grant you no other rights, implied or otherwise.

3. Our Rights and Obligations - What We Must And May Do

The purpose of the Service is to offer a secure platform for electronically signing documents.

For as long as Signom continues to offer this Service, it shall provide (and seek to update, improve and expand, in similar and different new ways) the the Service platform with the purpose of providing the services described above through twoday Oy's proprietary tools, rules and protocols which we may update, improve, discontinue and change at any time, at twoday Oy's sole discretion.

We allow you to access the Service as it may exist and be available on any given day. We have no other obligations, except as expressly stated in this Agreement. We may modify, replace, refuse access to, suspend or discontinue the Service, partially or entirely, or to charge and modify prices for it. We reserve all rights not expressly granted herein, including, without limitation, title, ownership, all intellectual property rights, and all other rights and interest in the Service and all related items.

twoday Oy reserves the right to withhold, remove and or discard any content available as part of your account, with or without notice. For avoidance of doubt, Signom has no obligation to store, maintain or provide you a copy of any content that you or other users provide when using the Service.

To confirm the identity and possible rights of representation of our users we may send any information you provide for confirmation to authorities, such as the National Board of Patents and Registration By using the Services you thereby agree and consent that the information you provide us may be used for purposes of identification and confirmation and sent to third parties for these purposes.

Signom may include or automatically produce links to third party web sites ("Third Party Sites"). Signom is not responsible for and does not endorse any advertising, products or other materials on or available from such web sites or resources. Signom may also include articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software and other content or items belonging to or originating from third parties (the "Third Party Applications, Software or Content"). If you decide to leave Signom and access the Third Party Sites or to use or install any Third Party Applications, Software or Content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Service or relating to any applications you use or install from the site.

You acknowledge and agree that we may send you important information and notices regarding the Service by email or through other means, including mobile or other hand held devices. You acknowledge and agree that we shall have no liability associated with or arising from your failure to maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about the Service. You acknowledge, consent and agree that we may access, preserve, and disclose your registration and any other information you provide if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims of a violation of the rights of third-parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of twoday Oy, its employees, users of the Service and the public.

twoday Oy may limit the number of connections you may have to other users and prohibit you from contacting other users through use of the Services.

You are solely responsible for your interactions with other users. twoday Oy reserves the right, but has no obligation, to monitor disputes between you and other users and to terminate your account if twoday Oy determines, in its sole discretion, that doing so is prudent.

4. Disclaimer

SOME COUNTRIES AND JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED TERMS IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

WE PROVIDE THE PLATFORM FOR SIGNOM AND ALL INFORMATION AND SERVICES ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DO NOT PROVIDE ANY EXPRESS WARRANTIES OR REPRESENTATIONS.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ANY AND ALL IMPLIED WARRANTIES AND REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR SUITABILITY FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. IF YOU ARE DISSATISFIED OR HARMED BY THE SERVICE OR ANYTHING RELATED TO THE SERVICE, YOU MAY LEAVE THE SERVICE AND TERMINATE THE AGREEMENT IN ACCORDANCE WITH SECTION 6 HEREOF AND SUCH TERMINATION SHALL BE YOUR SOLE AND EXCLUSIVE REMEDY.

twoday Oy IS NOT RESPONSIBLE, AND MAKES NO REPRESENTATIONS OR WARRANTIES FOR THE DELIVERY OF ANY MESSAGES (SUCH AS INMAILS, POSTING OF ANSWERS OR TRANSMISSION OF ANY OTHER USER GENERATED COMMUNICATION OR CONTENT) SENT THROUGH THE SERVICE TO ANYONE. IN ADDITION, WE NEITHER WARRANT NOR REPRESENT THAT YOUR USE OF THE SERVICE WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES. ANY MATERIAL, SERVICE, OR TECHNOLOGY DESCRIBED OR USED ON THE WEBSITE MAY BE SUBJECT TO INTELLECTUAL PROPERTY RIGHTS OWNED BY THIRD PARTIES WHO HAVE LICENSED TO US SUCH MATERIAL, SERVICE, OR TECHNOLOGY.

5. Limitation of Liability

SOME COUNTRIES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.

Neither Signom nor any of its employees, shareholders, or directors ("Signom Affiliates") shall be liable for (1) any damages in excess of the amount you have paid in fees to use the service during the past 30 days, if any, or 100 euro, whichever amount is greater, or (2) any special, incidental, indirect, punitive or consequential damages or loss of use, profit, revenue or data to you or any third person arising from your use of the Service, any platform applications or any of the content or other materials on, accessed through or downloaded from the Service even if twoday Oy. is aware or has been advised of the possibility of such damages. The limitation of liability set forth in the preceding sentence shall:

  1. apply regardless of whether you base your claim on contract, tort, statute or any other legal theory, we knew or should have known about the possibility of such damages, or the limited remedies provided herein fail of their essential purpose, and
  2. not apply to any damage that Signom Affiliates cause you intentionally and knowingly in violation of this Agreement or applicable law, or as otherwise mandated by applicable law that cannot be derogated from in this Agreement.

6. Termination

You may terminate the Agreement, for any or no cause, at any time, with notice to twoday Oy. which shall be effective upon twoday Oy. processing such notice. The Service shall terminate at the end of then current invoicing period. twoday Oy may terminate the Agreement for any or no cause, at any time, with or without notice, which shall be effective immediately or as may be specified in the notice. For avoidance of doubt, your access to any Mobile Services may be terminated only by twoday Oy or the party paying for such services. Termination of your account includes disabling your access to the Service (including any content you submitted or others submitted) and may also bar you from any future use of the Service.

In furtherance and without limiting the foregoing, twoday Oy has adopted a policy of terminating, in appropriate circumstances and at twoday Oy's sole discretion, members who are deemed to be repeat infringers under the Finnish, E. U., or U.S.A. Copyright Acts or Laws or otherwise repeatedly infringes copyright rules. twoday Oy may also at its sole discretion limit access to the Service and/or terminate the memberships of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

7. Consequences of Termination

Upon termination, you lose access to the Service. (However you may, at our sole discretion, have access to and possibility to read some public parts of our web pages.) The terms of this Agreement shall survive any termination, except sections 2 and 3 hereof.

8. Governing Law and Arbitration

Governing law: This Agreement and any disputes with us or any Signom Affiliate arising out of or relating to this Agreement ("Disputes") shall be governed by Finnish law, excluding conflict of law principles.

Agreement to arbitrate: Any Disputes shall be resolved by final and binding arbitration under the rules and auspices of the Arbitration Institute of Central Chamber of Commerce of Finland, to be held in Helsinki, Finland in English language if the user is not a Finnish speaker, and in Finnish language with Finnish speakers. Arbitration shall be held with one (1) arbitrator. Arbitration fees and reasonable attorneys' fees of both parties to be borne shall be paid by the party that ultimately loses. Either party may obtain orders to enforce arbitral awards in any court of competent jurisdiction.

9. General Terms

Severability: If any provision of the Agreement is found to be invalid or unenforceable under mandatory laws of a particular jurisdiction, such provision shall be interpreted as to give maximum effect to its intended purpose and this shall not affect the validity or enforceability of (a) such provision under the laws of any other jurisdiction, or (b) any other provision of the Agreement.

Notices: We may notify you via postings on the Service, website and via email or any other communications means to contact information you provide to us. You may notify us via email to the address support.signom@twoday.com or via mail to the address twoday Oy. ATTN: Legal Department, Keskuskatu 3, 00100 Helsinki, FINLAND, E. U. Any notices that you provide without compliance with this section on Notices shall have no legal effect.

Entire Agreement: You agree that this Agreement constitutes the entire, complete and exclusive agreement between you and us regarding the Service and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of this Agreement.

Amendments to this Agreement: We reserve the right to modify, supplement or replace the terms of the Agreement, effective upon posting at the Service website or notifying you otherwise. If you do not want to agree to changes to the Agreement, you can terminate the Agreement at any time per Section 6 and 7 hereof.

No informal waivers, agreements or representations: Our failure to act with respect to a breach by you or others, does not waive our right to act with respect to that breach or subsequent similar or other breaches. Except as expressly and specifically contemplated by the Agreement, no representations, statements, consents, waivers or other acts or omissions by any Signom Affiliate shall be deemed legally binding on any Signom Affiliate, unless documented in a physical writing hand signed by a duly appointed officer of twoday Oy.

No injunctive relief: In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of the Service, exploitation of any advertising or other materials issued in connection therewith, or exploitation of the Service or any content or other material used or displayed through the Service.

Beneficiaries: Signom Affiliates are not parties, but intended third party beneficiaries of this Agreement, with a right to enforce the Agreement directly against you.

Assignment and Delegation: You may not assign or delegate any rights or obligations under the Agreement and any purported assignment and delegation shall be ineffective. We may freely assign or delegate all rights and obligations under the Agreement, fully or partially. We may also substitute, by way of unilateral novation, effective upon notice to you, Signom Ltd for any third party that assumes our rights and obligations under this Agreement.

10. User's DOs and DON'Ts

As a condition to access the Service, you agree to this User Agreement and to strictly observe the following DOs and DON'Ts:

DO

  • Comply with all applicable laws, including, without limitation, tax laws, export control laws and regulatory requirements;
  • provide accurate information to us;
  • review and comply the Privacy Policy of the Service
  • review and comply with notices sent by twoday Oy

DON'T

  • duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, otherwise transfer or commercially exploit the Service (excluding content posted by you) except as permitted in the User Agreement;
  • reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Service, or any part thereof;
  • utilize information, content or any data you view on and/or obtain from the Service to provide any service that is competitive to us, in twoday Oy's sole discretion;
  • You may not further transfer the authentication data received from Nordea bank and used for the signature or use them to create other user credentials to be used in various internet services.
  • imply or state, directly or indirectly, that you are affiliated with or endorsed by twoday Oy unless you have entered in to a written agreement with twoday Oy;
  • adapt, modify or create derivative works based on the Service or technology underlying the Services, or other users' content, in whole or part;
  • rent, lease, loan, trade, sell/re-sell access to the Service or any information therein, or the equivalent, in whole or part;
  • deep-link to the site for any purpose, (i.e. including a link to a the Service web page other than the Service's home page) unless expressly authorized in writing by twoday Oy.
  • access, reload or "refresh" or make any other request to transactional servers more than once during any three second interval;
  • use manual or automated software, devices, scripts robots, other means or processes to access, "scrape," "crawl" or "spider" any web pages contained in the site;
  • use automated methods to add contacts, send messages or other permitted activities;
  • access, via automated or manual means or processes, the Service for purposes of monitoring its availability, performance or functionality or for any competitive purpose;
  • engage in "framing," "mirroring," or otherwise simulating the appearance or function of the Service website;
  • attempt to or actually access the Service by any means other than through the interface provided by twoday Oy or by twoday Oy´s authorized business partner;
  • attempt to or actually override any security component included in or underlying the Service;
  • engage in any action that interferes with the proper working of or places an unreasonable load on our infrastructure, including but not limited to unsolicited communications, attempts to gain unauthorized access, or transmission or activation of computer viruses;
  • remove any copyright, trademark or other proprietary rights notices contained in or on the Service, including those of both twoday Oy. or any of its licensors;
  • remove, cover or otherwise obscure any form of possible advertisement included as part of the Service;
  • use any information obtained from the Service to harass, abuse or harm another person;
  • collect, use or transfer any information, including but not limited to, personally identifiable information obtained from the Service except as expressly permitted in the User Agreement or the owner of such information may expressly permit;
  • interfere with or disrupt the Service, including but not limited to any servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
  • use or attempt to use another's account without authorization, or create a false identity on the Service;
  • infringe or use Signom brand, logos and/or trademarks of twoday Oy, including, without limitation, using the words Signom in any business name, email, or URL or including twoday Oy trademarks and logos on any website without authorization;
  • upload, post, email, transmit or otherwise make available or initiate any content that:
    • falsely states, impersonates or otherwise misrepresents your identity, however you may have a right to use nickname in some parts of the service to be decided by twoday Oy;
    • is unlawful, libelous, abusive, obscene, discriminatory, or otherwise objectionable;
    • includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
    • infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights;
    • includes any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation. This prohibition includes but is not limited to using the Service for sending messages to distribution lists, newsgroup aliases, or group aliases.
    • contains software viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment of twoday Oy or any user of the Service;
    • forges headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the Services; and/or
    • add to a content field content that is not intended for such field (i.e. submitting a telephone number in the "title" or any other field)