Terms & Conditions

GENERAL

Demosarte (later Taiko), business ID 2795856-9 (VAT-number FI27958569), registered in Finland, acts as a broker of art items to companies and private persons. The items are produced by the artists. The artists are the sellers while Taiko is the broker. All prices shown include VAT. In cases where the buyer is not obligated to pay taxes, VAT is removed in the shopping basket. Taiko reserves the right to price and delivery cost changes.

The buyer orders the products on Taiko by placing products in the shopping basket and paying for them through the payment service.

All customer information is handled confidentially. The contact information given when placing the order is not used for anything else but delivery of the order and for resolving possible issues with the order. When ordering from Taiko you are expected to have acquainted yourself with and committed yourself to the terms and conditions valid at the time of the purchase.

PAYMENTS

The payment service on Taiko is offered by Maksuturva Group Ltd (Business ID 2121703-0) in co-operation with banks and credit institutions. The buyer is not required to register or pay extra costs for using the payment service. Maksuturva Group Ltd is an authorized payment institution supervised by the Financial Supervisory Authority (FIN-FSA). All data transfer and money transactions are SSL secured which means that no external party can see your personal information. Maksuturva Group Oy will show as the recipient of the payment.

Your payment will immediately be registered for Taiko and a confirmation email is sent to your inbox. Payment options depend on the buyer's location. International buyers outside of Finland are offered card payment as the payment option.

Card payments

Card payments and Danske Bank's MobilePay payments in our webstore are provided by Maksuturva Group Ltd in cooperation with Solinor Oy and Bambora AB. Maksuturva Group Ltd submits card payment and MobilePay payment transactions to Bambora AB, which has acquiring-agreements with the international card companies (Mastercard and Visa). Card numbers are not recorded in Maksuturva Group Ltd's systems; the card data is processed by the technical service provider Solinor Oy. Solinor Oy has the highest 'PCI DSS Level 1' security certification as per the PCI DSS security standard developed by the international card companies. For its own activities, Maksuturva Group Ltd is certified to the PCI DSS standard.

Online bank payments

You can use the online payment services of all Finnish banks. For the buyer, the service functions as regular online bank payments.

Contact information:

Maksuturva Group Ltd
Business ID: 2121703-0
Keilaranta 5
02150 Espoo
Tel. (09) 42 41 7040, workdays between 9 a.m. and 5 p.m.
Email: asiakaspalvelu@maksuturva.fi
www.maksuturva.fi

INSTALMENT PAYMENT OR INVOICE

Payment by instalment or invoice is handled by Maksuturva Group Oy in cooperation with Resurs Bank. These payment options are only available in Finland, which is why the following texts are in Finnish.

Laskulla tai osamaksulla ostaminen

Laskulla tai osamaksulla ostamisen maksunvälityksen hoitaa Maksuturva Group Oy yhteistyössä Resurs Bankin kanssa. Sopimukseen sovelletaan Resurs Bankin yleisiä ehtoja. Palvelu on käytettävissä vain Suomessa.
Resurs Bank Lasku/Erämaksu
• Maksaessasi laskulla asioit turvallisesti ja helposti. Maksat ostoksesi vasta toimituksen jälkeen.
• Saat aina 30-60 päivää korotonta ja kulutonta maksuaikaa, ostohetkestä aina seuraavan kalenterikuukauden loppuun asti.
• Mikäli haluat jakaa maksusi eriin, valitse laskun saatuasi viidestä eri maksuvaihtoehdosta itsellesi sopivin.
• Näet maksuvaihtoehdot laskullasi. Valittavanasi on 3 kk, 6 kk, 12 kk, 24 kk sekä 48 kk:n maksuvaihtoehto.
• Yli 3 kk maksuvaihtoehdoista perittävä tilimaksu laskutetaan toisen maksuerän yhteydessä.
• Erämaksu käynnistyy automaattisesti, kun maksat ensimmäisen erän.
• Voit milloin tahansa maksaa koko loppuvelan kuluitta pois.
• Laskun/Erämaksun yläraja on 2000 euroa.

Löydät tarkemmat tiedot Resurs Bank Lasku/Erämaksusta täältä
Lasku/Erämaksulla tehdyssä ostoksessa toimitusosoitteen täytyy olla Väestörekisterin mukainen osoite. Lasku postitetaan kotiisi ostosta seuraavan kalenterikuukauden lopussa, noin kaksi viikkoa ennen sen erääntymistä.
Lasku/Erämaksulla ostettaessa ostotilanteessa tehdään luottokysely. Tunnistautuminen tapahtuu pankkitunnuksilla. Hyväksytty luottopäätös edellyttää moitteettomia luottotietoja sekä 20 vuoden ikää.

Luotonantaja:
Resurs Bank AB Suomen sivuliike
y-tunnus 2110471-4
PL 3900
00002 Helsinki

Mikäli sinulla on kysymyksiä laskuun tai erämaksuun liittyen, voit olla yhteydessä Resurs Bankin asiakaspalveluun:
Puhelin: 09 622 4308, arkisin klo 8.00 – 18.00
Sähköposti: asiakaspalvelu@resurs.fi

DELIVERY

Taiko delivers worldwide. The delivery fee is included in the artwork price to many European countries. For larger artworks an additional delivery fee may apply. The delivery fee is specified in the shopping basket before placing the order. Artwork prices and delivery fees are in euro (EUR).

Delivery time is, depending on the destination country, 4-15 working days, unless another delivery time is stated in the artwork information. Taiko takes no responsibility in a force major delay or any indirect hindrances.

The courier fetches the artwork from the artist or the artist delivers the artwork to the courier. The artist is responsible for packing the artwork according to Taiko's guidelines. The courier delivers the artwork to the address given by the buyer. In Finland and Sweden the receiver may choose to pick up the package. The courier contacts the receiver to agree on the delivery date and time. Deliveries are done on weekdays.

Recipient's phone number is mandatory for the courier to be able to reach the recipient. If the recipient is not reached, the courier leaves a contact request. If the recipient does not contact the courier, the delivery will be returned to the sender. All artworks are insured during the transportation. When sending, the artist needs to pack the artwork according to Taiko's guidelines. When refunding an artwork, the buyer is responsible for following the packaging guidelines. The buyer is obligated to inspect the condition of the package upon delivery. If the package is damaged or does not correspond to the order the courier and Taiko have to be notified. See below information about insurance.

The courier service's general terms are applied for transportation.

Group insurance for the clients of Taiko

Group insurance according to § 2 of the Insurance Agreement Act (1994/543) is issued by If P&C Insurance Company Ltd (business ID 1614120-3, home municipality Helsinki), read more about If P&C and e.g. handling of personal information on www.if.fi

Transport insurance

The insurance is valid for the benefit of the user of Taiko web shop's service, when the goods purchased from the service are being delivered to him/her.

The insurance also covers return transports from the buyer to the seller in the event of a complaint or similar under the same requirements for the packing and preparing the goods for the transport as for the original transportation.

The insurance

is valid from the time the goods, in direct connection with the insured transit, leave their place in the warehouse or place of storage for an immediate loading into the means of transport at the place named in the sales or transport agreement for the commencement of the insured transit,
continues during an ordinary transport and the insurance comprises normal re-loading and intermediate storage with unloadings and loadings, and
terminates when the goods are unloaded from the vehicle at the place of destination.

The insurance is valid globally according to what is agreed in the service.

The insurance covers the goods purchased via the service in the condition it was prior to the commencement of the transport.

All risk - insurance covers sudden and unforeseen damage to goods due to an external cause subject to exclusions stated later in these terms.

Exclusions - the insurance does not cover

damage caused by wilful acts of the policyholder, insured or similar,
damage due to that the Policyholder or other party entitled to compensation has, intentionally or due to gross negligence, failed to comply with the safety regulations as stated in this terms document,
damage or loss due to properties of the goods,
interest losses or cyclical losses, increased costs or other indirect or consequential losses,
normal wastage or evaporation or normal abrasion, wear or scratching,
damage caused by the goods not being appropriately packed, protected and equipped to withstand the normal strain of transport, taking into consideration the good is susceptibility to damage and the transport, handling and storage circumstances
damage, liability or cost which is directly or indirectly caused by or to which has contributed
ionising radiation or radioactive pollution caused by nuclear fuel or nuclear waste or the burning of nuclear fuel
an explosive nuclear plant, reactor or other nuclear device or related component or a radioactive, poisonous or other dangerous or contaminating characteristic
a weapon or device running on nuclear fission and/or nuclear fusion or similar reaction or radioactive power or substance
an explosive radioactive substance or a radioactive, poisonous or other dangerous or contaminating characteristic. The exclusion of this sub-section does not apply to radioactive isotopes, except for nuclear fuel, when isotopes are produced, transported, stored or used for commercial purposes or in agriculture, medicine, science or for other peaceful purposes.
chemical, biological, biochemical or electromagnetic weapon,
the use or operation, as a means for inflicting harm, of any computer, computer system, computer software program, malicious code, computer virus or process or any other electronic system,
liability to compensate for damage and loss incurred by a third party,
damage or loss due to confiscation of goods, arrest, requisition or other similar measure taken by authorities,
cost or expenses caused by delay in transport,
fines, debt collection charges or like costs or
costs of the removal and destruction of damaged goods.
The insured value of the goods equals their market value in the place where and at the time that the insurance attaches.

The sum insured is EUR 8 000.

The maximum amount of compensation paid by the insurer per event of damage is the sum insured or the insured value, whichever is lower. Notwithstanding the above, the insurer covers all reasonable and necessary costs arising from compliance with the duty to prevent or limit a threatening loss or damage covered by the insurance, even if the sum insured were thereby exceeded.

For each loss, the deductible of EUR 150 will be subtracted from the amount of compensation.

It is the responsibility of the insured to ensure that

the goods, before the beginning of the transport, have been packed, stowed, stored, oiled or in other mean prepared for the transport in a professional way
the mean of transport or carrier are suitable for a safe transport of the goods
other regulations stipulated by the insurer, Taiko or by any competent authorities are followed.
Reception of goods

The buyer or its representative must inspect the goods received. If a damage is noticed in the reception of goods, the buyer needs to notify it to the carrier. Otherwise, they immediately need to contact Taiko. They must also take other necessary measures to ensure their and the insurer's right to claim compensation from the party responsible for damage.

Due date for presenting a claim and loss of entitlement to compensation

A written claim based on the insurance contract must be presented to the insurer within six months from the date when the claimant received notice of their right to compensation, and no later than within ten years from the occurrence of the insured event. If the claim is not presented within this period, the claimant loses the entitlement to compensation.

Compensation and recovered goods

The insurer must be informed if the goods for which the insurer has paid compensation are later found or recovered.

The insurance company's right to reclaim compensation paid

When the insurer pays compensation for an event, the injured party's right to claim compensation from the liable party is transferred to the insurer.

Repair Costs or Decrease in Value

If the damaged goods can be repaired, the amount of loss or damage equals the repair costs. An increase in repair costs resulting from an extraordinary repair method chosen by the party entitled to compensation or from an activity relating to this will not be compensated.

If the goods are not repaired, the decrease in value of the goods is assessed by a joint agreement of the parties to the contract. If either party so requires, the decrease in the value of the goods can be assessed by an external goods inspector on the account of the party requiring such inspection. The decrease in value can also be determined by selling the goods.

In assessing losses or damage due to diminishing or leakage, the amount of wastage agreed or normal according to the trading practice is deducted.

Goods Destroyed

For destroyed goods the amount of loss or damage is their insurable value. In case the damaged goods are compensated to their full value and some part of the damaged goods remains which has monetary value, the Insurance Company may exercise its right to decide on the goods.

Disappearance of Goods and Abandoned Goods

The amount of loss or damage is the insurable value also when

a carrier or other party to which the goods have been entrusted admits in writing that the goods have disappeared
the goods have disappeared and have not been recovered within 28 days from the estimated date of arrival as regards domestic transport in Finland or 60 days in international transport
due to an insured event, the goods have not reached their destination within one month from the estimated date of arrival as regards domestic transport in Finland or three months in international transport and the whereabouts of the goods are not known
due to an insured event, the goods cannot be saved or delivered to their destination at reasonable cost within three months from the estimated date of arrival.
Appealing against the insurer's decision

If the insured is not satisfied with the decision of the insurer,

the decision can be brought before the Finnish Financial Ombudsman Bureau ( fine.fi/en ) for recommended settlement, or
legal action can be brought against the Insurance Company.
Legal proceedings can be started at the Finnish city or district court within whose jurisdiction the interested party or the insurer is domiciled, or within whose jurisdiction the insured event occurred. Under threat of forfeiting the right of appeal, a decision by the insurer must be appealed against within three years from the date on which the interested party received written notice of the decision.

RETURN POLICY

The EU and the Nordic countries

All goods have a 14 day return right within the EU and for Nordic countries that are not EU members. Returning the artwork is cost free in the Nordic countries. Buyers outside the EU are responsible for the delivery costs, but 120 euro at the most. Taiko is responsible for the delivery fee if the package is damaged. If you want to return a product or products, please contact Taiko, info@taiko.fi.

The money will be refunded within 14 days after the product has been returned to the sender. The money will be refunded according to the payment method used for the order or the returned goods. If the product that is returned has been used against the duty to exercise proper care, Taiko has the right to deduct the decrease in value partially or fully including the delivery fee for returning the goods.

Since the goods shipped are unique, the importance of careful packaging is particularly important. The artwork has to be intact and packed in its original or corresponding package. The rule of thumb is that the package must be soft on the inside and hard on the outside.

Please bear in mind that refunding is applicable only for intact goods (unless they have already been destroyed when delivered) without any signs of use. The goods shall be packed preferably using original materials and they have to be packed following these guidelines:

- Ensure that the package is intact.
- There should be no empty space in the package.
- Use foam plastic, styrofoam or bubble wrap as soft packaging material.
- Place cardboard or other hard material between flat and fragile items, so that the outside of the package is hard. Tha package must be able to tolerate blows and stacking.
- You will get an address label from Taiko. Affix it to the largest even and visible surface of the package so that the bar code is mechanically readable. The address label must not be folded over the edge of the package or placed where the package is sealed.

Before delivery, the buyer must provide Taiko with pictures of the product and the package by email to determine the condition of the product and to guarantee the durability of the package.

Agree with Taiko on the day for fetching the package. If the product has been damaged during the transport due to the packaging instructions not being followed, Taiko has the right to deduct the costs for repairing the product partially or fully from the sum to be refunded.

Countries outside of the EU

All goods have a 7 day return right outside of the EU. See the section above regarding the Nordic countries. The delivery costs for returning a product that has been damaged during delivery are covered by Taiko. In all other cases the buyer is responsible for the delivery costs. If you want to return a product or products, please contact Taiko, info@taiko.fi.

The money will be refunded within 14 days after the product has been returned to the sender. The money will be refunded according to the payment method used for the order or the returned goods. If the product that is returned has been used against the duty to exercise proper care, Taiko has the right to deduct the decrease in value partially or fully including the delivery fee for returning the goods.

Since the goods shipped are unique, the importance of careful packaging is particularly important. The artwork has to be intact and packed in its original or corresponding package. The rule of thumb is that the package must be soft on the inside and hard on the outside.

Please bear in mind that refunding is applicable only for intact goods (unless they have already been destroyed when delivered) without any signs of use. The goods shall be packed preferably using original materials and they have to be packed following these guidelines:

- Ensure that the package is intact.
- There should be no empty space in the package.
- Use foam plastic, styrofoam or bubble wrap as soft packaging material.
- Place cardboard or other hard material between flat and fragile items, so that the outside of the package is hard. Tha package must be able to tolerate blows and stacking.
- You will get an address label from Taiko. Affix it to the largest even and visible surface of the package so that the bar code is mechanically readable. The address label must not be folded over the edge of the package or placed where the package is sealed.

Before delivery, the buyer must provide Taiko with pictures of the product and the package by email to determine the condition of the product and to guarantee the durability of the package.

Agree with Taiko on the day for fetching the package. If the product has been damaged during the transport due to the packaging instructions not being followed, Taiko has the right to deduct the costs for repairing the product partially or fully from the sum to be refunded.

TAXES AND CUSTOMS

VAT (value added tax) is applicable for private persons within the EU and for companies in Finland. Companies within the EU do not pay VAT. Private and corporate customers outside the EU do not pay VAT when making a purchase on Taiko. When buying and delivering goods outside the EU, the receiver is responsible for local taxes, customs duty and other comparable costs.

COPYRIGHT

An artist retains copyright to the artwork and the right to access the artwork.

The artist can ask the buyer to borrow his or her artwork for an exhibition. Terms and details regarding a potential borrowing of artwork are agreed to separately.

DATABASE DESCRIPTION

Personal data act (523/1999) 10 §

Main administrator
Demosarte general partnership/Demosarte
Lehtotie 6
20760 Piispanristi
Business ID 2795856-9

info@taiko.fi

Contact person regarding the database:
Demosarte
Patrik Edman

Database name
Taiko customer database

The function of handling personal information
The customer's personal information can be handled for following purposes:

processing orders
email marketing (not mandatory)
Database content
The database includes various information depending on if the registrant is a buyer or an artist.

The database can include following information about the buyer:

name
address
phonenumber
company name
email address
order history
The database includes following information about the artist:

name
date of birth
address
phonenumber
email address
bank account number for the sales transactions
sales history
Official sources of information
The collected data is entered into the database by the customers themselves.

Giving out personal information
Taiko will not give out personal information to external parties without the person's consent except from mandatory webshop partners such as the payment provider and the delivery provider. Information can be given to authorities as obliged by the law.

Moving information outside EU or EEA
No information is moved outside EU or EEA.

Confidentiality
The information technology based database is stored in an encrypted and protected cloud service. All personal information is stored in a system which requires passwords to be able to access.

The information is accessible for Taiko's employees who need the information taking care of their work tasks. They have obligation to observe secrecy.

In case you would like your account to be removed, please contact us by email: info@taiko.fi