Terms and conditions of use

Terms and conditions of use of the S-kanava.fi web service

Use of the S-kanava.fi web service maintained by SOK (hereinafter the Service) requires acceptance of these conditions of use. These terms and conditions of use apply equally to all users, regardless of whether they have accessed only the public sections of the Service or that requiring a login.

SOK (Suomen Osuuskauppojen Keskuskunta) owns the Service, and is responsible for its operation and development. SOK reserves the right to make changes in the Service.

Using and accessing the section Oma S-kanava of the Service requiring a login requires that persons registered in the co-op member and customer register of S Group (hereinafter the Customer) accept and comply with the terms and conditions and rules for that section. It is important that the Customer reads these terms and conditions carefully.

These terms and conditions apply together with others (co-op member agreement, the rules for the co-op membership system of S Group, and the terms and conditions of the S Code). If the other terms and conditions, instructions or manuals are in conflict with these terms and conditions, these shall apply, unless otherwise specified.
The Service is governed by Finnish law irrespective of the location of the user.

Copyrights and trade marks

The contents of the Service, including texts, images, product information, trademarks, brands, logos, etc., are the property of SOK or a third party, and as such they are protected by the Copyright Act and other legislation. Unless otherwise specified in these conditions of use or the Service, SOK retains all rights to the Service and its contents.

User rights and responsibilities

The Service is intended for private, not commercial, use.

Users shall not copy or otherwise duplicate, move, distribute or save – wholly or in part – any of the contents of the Service, nor shall they use images, product information, trademarks, brands, logos or other contents of the Service without the prior written consent. of SOK. Using text or pictures for commercial purposes is prohibited. The use of bulletins published in the Service for journalistic purposes is allowed, provided that the source of information is duly mentioned.

Customers may read, browse, and download material published in the Oma S-kanava service, and also print out parts of it for their own personal use. Modifying or copying such content is not allowed. Copying and using content in any manner whatsoever, without the prior written consent of SOK, is prohibited.

Responsibility for the web service and its content

SOK does not  guarantee the correctness or reliability of the information provided in the Service. Prices, images and specifications of, and information on, the availability of products and all other content in the Service are published without any warranty. SOK shall not be responsible for any direct or indirect damage caused by the information provided by the Service.

SOK reserves the right to change, at any time, without prior notice and at its own discretion, the terms of use, appearance, content and availability of the Service, the services and products provided therein, and any other properties of the Service. SOK has the right to bar any and all Customers from the use of the Service or parts of it.

SOK does not guarantee the availability or flawlessness of the Service. Barring any imperative legal provision, SOK cannot be held responsible for any damage caused by use of the Service, obstacles to the use of the Service or any other reason relating to the Service.

The information provided in the section of the Service that requires logging in, originate in the co-op member and customer register of S Group. The contents of that service varies; the broader range of services is available exclusively to members of co-op member households.

A summary of the purchase data for a co-op member household is available to all members of that household. It is also possible to view all purchase data of a co-op member household on the transaction level.

Availability of the Service

The Service is available 24 hours a day, seven days a week. For well-founded reasons, SOK may limit the availability of the Service upon a prior announcement in the Service. SOK strives to make such announcements well in advance. Breaks in the Service may occur due to servicing, updating, maintenance, disturbances and other similar reasons.

Third-party services

The Service may contain links to web sites owned or operated by third parties. Upon being transferred to such web sites, the user must read and accept any terms of use before starting to use those web sites. SOK is not responsible for the operation, contents or other features of websites produced by third parties.

SOK shall not be held liable for the usability of third-party applications and extra functionalities installed by the user or for disturbances, errors or other damage relating to or caused by such applications or functionalities.

Technical prerequisites for using the Service

Customers must at their own expense acquire the equipment, software and telephone or other telecommunication connections and other necessary services, and bear the responsibility for the costs of operation and maintenance, and for their safety and operability. SOK does not guarantee that the Service can be used with the equipment of the Customer.

If the equipment, software or telecommunication connection of the Customer endanger the operability and/or safety of the Service, SOK is entitled to discontinue the providing of the Service.to that Customer. SOK is responsible for the adequate data security of its own computer systems.

If the Service is used on multi-user equipment (in e.g. a school or a library), the Customer shall ascertain that:

  • the web browser has not stored identification data on that computer,
  • he or she logs out from the Service using the "Log out" button,
  • the cache memory of the computer is cleared.

Web browser and version

  • Internet Explorer 10 (or newer)
  • Mozilla Firefox 4 (or newer)
  • Opera 9 (or newer)
  • Safari 4 (or newer)
  • Google Chrome 7


The Service uses cookies, i.e. small data files stored on the users' computers for service session control and user monitoring. The cookies facilitate analysing how users use the Service. The information about the user stored by the cookies includes information relating to the browser used, to the use of the website and the IP address of the user's computer.

The Service utilises a user monitoring service when analysing website use. The information gathered is delivered to user monitoring service servers in Finland for storage purposes. The user monitoring information may be submitted to third parties if legislation so requires or if that third party processes the information on SOK's behalf. SOK utilises statistical data to develop S Group business activities.

If they so desire, users may prevent the use of cookies by changing the settings of their Internet browser. However, preventing the use of cookies may affect the functionality of the website. By using the Service, users consent to the aforementioned information processing method.

Logging in

A customer logging in on the Oma S-kanava service is identified through access codes – a username and a password. Users who have access codes to the S Bank can log on to the Oma S-kanava service directly during a web bank session without providing further identification. Users may also log in using other methods of identification adopted by SOK.

Safekeeping of access codes

It is the Customer's responsibility to store access codes carefully. SOK shall not be liable for problems and damage caused by negligent storage of access codes or by access codes fallen into wrong hands. In problem situations, Customers can lock or permanently close their access codes in the Service or the customer service.

Forums, blogs and comments

The forums, blogs and facilities for comments are to be used for constructive and civilised discussion. All users must agree to the conditions of use of the Service.
SOK does not check any of the information contained in the forums, blogs and comments prior to publication. If required, SOK will remove any information in breach of the conditions of use, the terms of service, instructions, law or proper conduct as soon as the violation has come to the attention of SOK. SOK is not responsible for any writing created by users or for any consequences thereof. or for or information drawn up or linked to by users. Users are responsible for all contents in forums, comments and blogs.  Users are responsible for their own actions, and any user in violation of the law may be legally liable for their writings.

Updated 12/2011

©SOK 2011
address:          P.O. Box 1, 00088 S-RYHMÄ
Business ID:      0116323-1