From 5 May 2025
Prizes
Laina.fi and the cooperation partner of the Laina.fi service provide the prizes for the competition.
All prizes are personal and cannot be exchanged for money or another prize. If a sent prize is returned due to incomplete contact details provided by the participant, the prizes will not be resent. Laina.fi is responsible for the delivery of the prizes and for any lottery tax or gift tax.
Employees of Laina.fi or its cooperation partner and their families cannot participate in the competitions. The competitions are valid during the campaign period.
If the competition is based on knowledge/skills, the prizes are taxable income, i.e. the winner pays tax on the prize sum according to their own tax rate, in which case the winner must provide a tax card for payment of the prize.
Participation
Laina.fi does not take responsibility for possible operational interruptions or congestion of its internet pages, or for temporary faults in internet connections of the telecommunications operator. In force majeure situations, Laina.fi is not responsible. If, for example, a concert, trip or other event for which the participant has won tickets is cancelled for reasons independent of the Laina.fi service, Laina.fi is not responsible. Tickets cannot be redeemed for money, nor is Laina.fi liable for compensation to the winner.
Competitions organised on Laina.fi’s social media are not sponsored, recommended or managed by any social media channel, such as Facebook or Instagram. Participation in the competition takes place in accordance with the instructions given in the campaign publication. The organiser of the competition is not responsible for problems caused by third parties, nor for entries that do not arrive due to technical reasons, or that are inappropriate or illegible.
Participation in the competition requires 18 years of age.
When you participate in a competition on the Laina.fi online service or other platforms, we collect participant data in the manner described in Laina.fi’s Privacy Policy.
By participating in the draw and filling in the draw form, you give Laina.fi permission to send you advertising messages. You can withdraw the permission by clicking the unsubscribe link in the advertising message.
The rules may be changed at any time. Laina.fi reserves the right to change the competition rules at all times.
Right of use
If a user participates in the competition with text, image, audio or video file, or other requested material, they transfer the right of use of the material to the Laina.fi service and to the cooperation partner, and give permission to publish the material in Laina.fi’s various marketing channels or on other platforms as well as on the cooperation partner’s platforms.