Consumer Protection Act - Finlex

(2) If the contract has been concluded at the consumer’s request using a means ofdistance communication which does not enable providing the information or thecontractual terms in a permanent manner referred to in subsection 1 before theconclusion of the contract, the information and the contractual terms shall begiven in a permanent manner immediately after the conclusion of the contract.(3) At any time during the contractual relationship the consumer is entitled, at hisor her request, to receive the contractual terms on paper.Section 12 — Right of withdrawal(1) The consumer shall have the right to withdraw from the contract by notifying thebusiness of this within 14 days after the conclusion of the contract or a later dateon which the consumer received the prior information and the contractual termsin a permanent manner.(2) The provisions laid down in subsection 1 and sections 14—16 on the right towithdraw from the contract shall not apply to consumer credits or insurancepolicies. Chapter 7 lays down the provisions on the consumer’s right to withdrawfrom a consumer credit agreement and premature payment of consumer credit.The Insurance Contracts Act (543/1994) lays down the provisions on the right ofa policyholder to withdraw from a contract or cancel a contract.Section 13 — Cancellation of an additional contract(1) When the consumer uses his or her right to withdraw from a distance contract ofa given financial service, a distance contract related to the main contract iscancelled without separate measures if the additional service is supplied by thesame business. The additional contract is also cancelled if a third party isresponsible for the additional service on the basis of a contract or otherarrangement between the business that has concluded the main contract and thethird party.(2) Chapters 6(24) and 10(12) lay down the provisions on the withdrawal from acredit agreement related to another contract.Section 14 — Restrictions on the right of withdrawalThe consumer shall not have the right of withdrawal laid down in section 12, if:(1) the price or value of a given financial service or related instrument dependson the fluctuations in the financial market outside the control of thebusiness;36