Terms and conditions

COMPANY Finn-Ostra OY (www.m-climate.eu) sells products to private persons in Finland and abroad.
We reserve all rights to change the terms and conditions, and the prices. All prices
include the VAT.

Contact us

E-mail: info@m-climate.eu
Telephone: +358 400 679 176 (english)
Address: PL95 Lappeenranta 53101, Finland


Orders are collected from the online shop selection by adding the products to the
shopping basket. The order is confirmed by using the check-out functionality in
the online shop to pay for the purchase. By confirming an order, you accept these
terms and conditions, product pricing and shipping costs. An e-mail confirmation
will be delivered in case an e-mail address is provided by the time of confirming
the order. The e-mail confirmation lists the products ordered and the price breakdown.


Maksukaista (Paybyway Oy, business-id FI24865594) is the payment facilitator of
the online shop. The Paybyway Oy is a payment facilitator authorized by the
Financial Supervisory Authority of Finland. The payment process is conducted
in the online service of the Maksukaista. Maksukaista / Paybyway Oy is shown
as the payment received in the bank account listing and in the invoice. Paying
with Maksukaista is safe. All information is exchanged through secured connections.

The trade happens between the online customer and the online shop. The online
shop is responsible for all obligations related to the trade.

Read more about Maksukaista: http://www.maksukaista.fi

Payment methods

With Maksukaista you can pay your order by an internet banking account, a
payment card (credit/debit), an invoice or a partial payment. The following
methods of payment are supported: Osuuspankki, Nordea, Danske Bank,
Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken,
Visa-, Visa Debit-, Visa Electron-, MasterCard- and Debit MasterCard
payment cards, Jousto and Everyday.

Maksukaista Lasku - Maksukaista Invoice

The arvato Finance and Maksukaista offer an option to pay the order by
an invoice. The payment term is 14 days. Paying by the invoice requires
to be over 18 years old, to have a valid credit history, to have a
registered address in Finland in the Population Register and the goods
to be delivered to the registered address in Finland.

If total sum of the purchase exceeds 50 euros, you can decide to pay
the invoice in parts. Activating the part payment requires accepting
the PayByBill terms and conditions and to pay the minimum part stated
in the invoice. The remaining part of the credit can be paid at any time
without any extra expenses. 

2,90 eur credit fee and interest rate are added to the monthly invoice.
The current yearly interest rate is 19,50%. The interest rate is tied
to the interest rate defined by the European Central Bank twice a year.
In addition, one time fee of 9,50 eur is invoiced for opening the credit
account. PayByBill terms are available
in: http://finance.arvato.com/fileadmin/user_upload/Finland/terms_conditions/PBB_-_arvato_Finance_-_Luottoehdot_-_20032014.pdf

Contact Maksukaista

Maksukaista, Paybyway Oy (business-id FI24865594)
E-mail: asiakaspalvelu@maksukaista.fi
Telephone: +358 29 300 5050 (workdays 9-16)
Address: Laserkatu 6, 53850 Lappeenranta, Finland


Orders are being shipped during workdays. Products from the stock are
usually delivered within 3-8 workdays. Delivery for products that are
not in stock usually takes 1-3 weeks. Shipping costs are defined by the
selected delivery method, possible extra services, shipment weight and
size. The shipping costs can be seen in the check-out functionality before
confirming the order.

Please inform us without a delay - at least within 14 days - in case a
product has lost or damaged in shipping. The logistics company must be
also informed regarding any products damaged in shipping.


The customer has a right to change or return ordered products during 14
days of receiving the order. The customer has a right to change or return
all or part of the products in the order. The changed and returned products
must be unused and in the original packaging. If you wish to change or return
products, please contact us first for the instructions. Please attach your
name, contact details and your bank account number for receiving the refund.

Cancelling an order, defect liability and reclamations

The customer has right to cancel an order before the order is dispatched.
The cancellation must be done in written by an e-mail to the customer
support of the online shop.

The online shop is liable for defects in the sold products according to
the applicable law. Please contact the customer support of the online shop
immediately in a case of reclamation. The consumer has a right to file a
dispute in the Consumer Disputes Board in a case of dispute between the
online shop and the consumer.