These Terms and Conditions ("Terms" or "Agreement") govern your use of the Takas mobile application and associated services ("Takas" or the "Service"), operated by Maksuni Financial Services Oy, registered in Finland. References to "we", "us", or "our" refer to Takas. By using or accessing the Takas app, you agree to comply with and be bound by these Terms.PLEASE READ THESE TERMS CAREFULLY. BY USING TAKAS, YOU ARE ENTERING INTO A LEGALLY BINDING AGREEMENT. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.1. Eligibility and Registration
To use Takas, you must: 1. Be at least 18 years old (or 13+ with guardian consent) 2. Register an account with accurate, truthful information 3. Only use one personal account 4. Be a resident of Finland (unless otherwise permitted by us). 5. You are responsible for safeguarding your account credentials and for any activity conducted under your account.2. Use of the Service
Takas allows users to: 1. Upload eligible shopping receipts 2. Earn virtual rewards (e.g. coins, spins, lottery entries) 3. Participate in promotions or other in-app activities. We reserve the right to: 1. Limit or modify app functionality 2. Suspend accounts for suspicious or prohibited behavior 3. Determine eligibility of uploaded receipts or other data.3. Rewards System
3.1. Coins, Spins, and Lotteries - Users may earn: 1. Coins, convertible to digital rewards (e.g. gift cards) 2. Spins, which can grant coins or additional rewards 3. Lotto entries, for weekly or monthly prize draws. 3.2. Receipt Upload Rules - To qualify for rewards: 1. Receipts must be clear, unmodified, and from your personal shopping 2. Include store name, items, total, and date 3. Be submitted within 14 days of the purchase 4. Limited to 3 receipts per retailer per day. 3.3. Account Limits and Inactivity - 1. Users may have only one active account 2. Accounts may be suspended after 90 days of inactivity or if fraud is suspected. 3.4. Redemption - 1. Minimum redemption value: €5 worth of coins 2. Processing time: up to 7 business days 3. Rewards are non-transferable and have no cash value unless explicitly stated.4. Intellectual Property
All content and software in Takas, including images, text, and logos, are owned by us or our licensors and protected by intellectual property laws. Users may not copy, distribute, modify, or reverse-engineer any part of the app without written consent.5. User Conduct
You agree not to: 1. Attempt to manipulate reward systems 2. Upload false, fraudulent, or third-party receipts 3. Use bots, scripts, or automation tools 4. Violate any applicable laws or regulations in Finland.6. Promotions and Sweepstakes
Any Takas promotions, sweepstakes, or contests are subject to their own rules. These may include: 1. Age or geographic restrictions 2. Entry requirements and prize details 3. Terms for use of any submitted content. Participation in such events implies acceptance of those specific rules.7. Termination and Suspension
We may suspend or terminate your access to Takas: 1. For breach of these Terms 2. Due to suspected fraud or misuse 3. After prolonged inactivity (e.g. 3+ months) 4. For any reason deemed appropriate under Finnish law.8. Disclaimer of Warranties
We do not guarantee that Takas will be: 1. Always available or error-free 2. Free of bugs, security vulnerabilities, or data loss. The Service is provided “as-is” and “as available.” We disclaim all warranties to the maximum extent permitted by Finnish law.9. Limitation of Liability
To the extent permitted under Finnish law, we will not be liable for: 1. Indirect, incidental, or consequential damages 2. Lost profits, data, or business opportunities. Our total liability shall not exceed the value of rewards earned but not yet redeemed.10. Privacy and Data
We respect your privacy. Our practices are detailed in our Privacy Policy, which forms part of this Agreement. By using Takas, you agree to our data collection and usage policies, in accordance with the EU General Data Protection Regulation (GDPR) and Finnish data protection laws.11. Changes to Terms
We may update these Terms at any time. Material changes will be notified via the app or email. Continued use of the Service after changes constitutes acceptance of the new Terms.12. Governing Law and Jurisdiction
These Terms shall be governed by the laws of Finland, without regard to conflict of law principles. Any disputes shall be submitted to the District Court of Helsinki, unless otherwise required by mandatory consumer protection laws.13. Contact Information
For questions, complaints, or legal matters, please contact: Takas Legal Department Maksuni Financial Services Oy, Keilaranta, 00520 Helsinki, Finland Email: moi at maksuni.fi