Terms of Service

Last updated: 4 October 2025

Please read these Terms of Service carefully before using our Service.

1 - Interpretation and Definitions

1.1 - Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions.
The following definitions shall have the same meaning regardless of whether they appear in the singular or plural.

1.2 - Definitions

For the purposes of these Terms of Service:

Account means a unique account created for You to access our Service.
Application means the software platform provided by TS Capital & Consulting Oy (operating as NordicCosta).
Buyer refers to users who purchase services via the platform.
Country refers to Finland.
Company / Operator / We / Us / Our refers to TS Capital & Consulting Oy (operating as NordicCosta), Registered to Finland, Business ID 3131822-2.
Content means text, images, or information posted or uploaded by users.
Device means any device that can access the Service, such as a phone, tablet, or computer.
Goods / Services refer to the services or items listed for sale, booking, or contact through the marketplace.
Order means a booking or purchase made by a Buyer through the Service.
Seller / Provider refers to users listing and offering services on the marketplace.
Service refers to the website and related functions provided by NordicCosta.
Website refers to NordicCosta, accessible from https://www.nordiccosta.com.
You means the individual or company using the Service.

2 - Contact

For any questions, please contact:

Email: info@nordiccosta.com

3 - Acknowledgement

These Terms govern the use of NordicCosta and the agreement between You and the Operator.
By using the Service, You accept these Terms and our Privacy Policy.
If You disagree with any part, please discontinue using the Service.

You represent that You are at least 18 years old and legally capable of entering binding contracts.
The Operator does not permit anyone under 18 to use the Service.

4 - Governing Law

These Terms are governed exclusively by the laws of Finland, excluding its conflict-of-law principles.
All disputes arising from these Terms shall be governed by Finnish law.
The exclusive place of jurisdiction shall be the District Court of Helsinki, Finland.

5 - User Accounts

You must provide accurate information when creating an Account.
You are responsible for safeguarding Your password and Account activity.
The Operator reserves the right to suspend or terminate Accounts that violate these Terms.
The Operator does not perform background checks on users and is not liable for the accuracy of user information.

6 - Content

You are solely responsible for any Content You post.
You may not post unlawful, defamatory, or harmful material.
The Operator may remove or edit any Content that violates these Terms.
Copyright complaints may be submitted to the Operator by email.

NordicCosta complies with the EU Digital Services Act (Regulation (EU) 2022/2065).
If You believe that any listing or content on the Service is illegal or violates these Terms, You may notify us at info@nordiccosta.com. We will review and take appropriate action in accordance with applicable EU regulations.

7 - Orders and Payments

7.1 - Platform Role

NordicCosta is an online marketplace platform operated by TS Capital & Consulting Oy. The platform connects independent service providers (“Providers”) with consumers (“Buyers”), and acts solely as a technical and commercial intermediary.

NordicCosta does not offer, sell, or provide any services directly, and is not a party to any agreement or transaction between Buyers and Providers.

All Providers operate as independent business entities, and are solely responsible for: • the content, quality, legality, and delivery of their services, • compliance with local laws, including tax, invoicing, and business registrations, • resolving any disputes, cancellations, or complaints related to the services they provide.

Payments are processed securely through Stripe Connect. NordicCosta does not hold funds on behalf of users and does not store credit card or bank details.

7.2 - Payment Process

When an Order is placed:

The Buyer’s payment is processed and held in escrow by Stripe until the order is completed.
The Provider receives payment only after the order is marked completed according to the transaction process.
The Operator deducts a commission before payout.

7.3 - Prices and Fees

Prices for services are set by the Providers.
NordicCosta may charge service or transaction fees as displayed during checkout.
All amounts include applicable taxes where required.

7.4 - Payments and Commissions

All payments on the Service are processed securely via Stripe Connect. NordicCosta acts solely as the marketplace operator and intermediary between Buyers and Providers.
Funds are held by Stripe in escrow until the order is completed or canceled in accordance with these Terms.

The Company does not itself receive or store any credit card or bank account details.
Payment receipts are automatically provided by Stripe.

NordicCosta charges a 13,5% service commission (excluding VAT) from the Provider for each completed transaction processed through the platform.
Commissions are automatically deducted from the payout or invoiced separately when applicable.

All commissions are exclusive of VAT. Where applicable, Finnish VAT (currently 25.5%) will be added.
For Providers established outside Finland, the reverse charge mechanism (VAT 0%) may apply in accordance with EU VAT Directive rules.

In cases where a service is arranged outside the automatic booking flow (for example, via Request to Quote or external agreement), NordicCosta may issue a Stripe payment link or invoice to collect the applicable commission fee.

7.4.1 - Request to Quote and external sales

Under this model, Buyers may contact Sellers to request a custom quotation for a service that cannot be purchased at a fixed price.
Once the Seller provides a quote and both parties agree on terms, the service may be performed outside of the platform’s automatic payment flow.
NordicCosta only facilitates the introduction and is not a contractual party between Buyer and Seller.

7.4.2 - Commission and invoicing

For all confirmed transactions that originate through NordicCosta — whether paid through the platform or externally — NordicCosta charges a commission fee of 13,5% of the total sale value (gross).
A minimum commission of €1.5 per transaction applies to cover processing and platform costs.
For external (“off-platform”) transactions, the commission is invoiced monthly by TS Capital & Consulting Oy (operating as NordicCosta) directly to the Seller.
Such commissions are invoiced under EU reverse charge (VAT 0%), and Sellers are responsible for reporting VAT according to their own local tax obligations.

7.4.3 - Minimum Transaction Value and Fee Policy

To ensure fair compensation for all parties and to cover Stripe payment processing fees and platform operating costs, NordicCosta applies a minimum transaction value of €10 (ten euros) per booking.

This minimum applies to all paid transactions completed through the platform, regardless of service type or duration.

Listings with a lower total price may be edited, suspended, or declined by NordicCosta’s moderation team at its discretion.

Service Providers are responsible for setting their prices accordingly to meet or exceed this minimum.

NordicCosta reserves the right to adjust the minimum transaction amount in the future in line with payment processor fees or operational costs.

7.4.4 - Seller responsibility

Sellers are obliged to accurately report all sales that originated through NordicCosta, even when completed or paid outside the platform.
NordicCosta reserves the right to verify sales activity and temporarily suspend accounts that fail to report transactions originating from the marketplace.

7.4.5 - Payment method for commissions

Commissions may be paid either by bank transfer or via a secure Stripe Payment Link provided in the monthly summary invoice.
Late payments may incur administrative fees or suspension from the platform until the balance is cleared.

7.4.6 - Liability

NordicCosta acts solely as a facilitator between Buyers and Sellers and does not assume liability for external payments, refunds, or service delivery.
All disputes between Buyers and Sellers related to Request to Quote transactions must be resolved directly between the parties.

7.5 - Independent Providers

NordicCosta operates solely as an online marketplace platform.
Each Provider is an independent business entity and solely responsible for the performance, quality, and legality of the services they offer.
By using the Service, Buyers acknowledge that NordicCosta is not a contracting party to the transaction between Buyer and Provider and shall not be held liable for any loss, damage, or dissatisfaction arising from a third-party service.

7.6 - Legal Compliance and Licensing

All Providers are solely responsible for ensuring that their services comply with all applicable local laws, regulations, and licensing requirements.
This includes, but is not limited to, any necessary business registrations, permits, insurances, tax obligations, and safety standards relevant to the services offered.

NordicCosta does not collect, verify, or store any legal or identity documentation from customers (such as passports, ID cards, NIE, or driver’s licenses).
If such documents are required by law for the performance of a service (for example, vehicle rentals, childcare, or regulated professional activities), the Provider must handle this process directly with the customer in a lawful and GDPR-compliant manner.

Providers are fully responsible for verifying customer eligibility, ensuring appropriate insurance coverage, and meeting all regulatory conditions necessary for delivering their services.
NordicCosta acts solely as a marketplace operator and payment intermediary, and assumes no liability for any Provider’s legal, licensing, or compliance obligations.

8 - Cancellations, No-Shows and Refunds

8.1 - Right of Withdrawal and Exceptions (EU Consumer Rights Directive 2011/83/EU and Finnish Consumer Protection Act)

Services offered on NordicCosta are time-specific and scheduled to be carried out at a certain date or period.
Therefore, they fall under the exceptions to the 14-day right of withdrawal under Article 16 of the EU Consumer Rights Directive (2011/83/EU) and Chapter 6, Section 16 of the Finnish Consumer Protection Act.

By placing an order, the Buyer expressly agrees that the service may be provided before the end of the withdrawal period, and acknowledges that the right of withdrawal is lost once the service has begun or been fully performed.

8.2 - General

All payments are securely held through Stripe until the service is completed.
NordicCosta facilitates the payment process and may issue refunds in accordance with the selected cancellation policy and Stripe’s rules.

Each listing includes a cancellation and refund policy chosen by the Provider from NordicCosta’s standardized options.
This policy is displayed clearly in the listing before booking and forms part of the contract between Buyer and Provider.

8.3 - Standardized Cancellation Options

Each Provider must select one of the following refund policies when publishing a listing:

Free cancellation up to 24h before start – full refund if cancelled at least 24 hours before the scheduled start time.
Non-refundable after confirmation – no refund available once the booking has been confirmed.
Flexible (contact provider to reschedule) – rescheduling or partial refunds handled directly with the Provider via NordicCosta chat.

Refunds are processed automatically according to the selected policy.

8.4 - Provider Cancellations or No-Shows

If the Provider cancels or fails to appear for a confirmed service, the Buyer receives a full refund.
Repeated cancellations may lead to Provider suspension or removal from the platform.

8.5 - Buyer No-Show

If the Buyer fails to attend the service and the Provider has made reasonable efforts to deliver, the order may be marked completed and non-refundable.

8.6 - Rescheduling

Buyers and Providers may agree to reschedule before the service start time.
Rescheduling requests should be confirmed through the NordicCosta chat for record purposes.

8.7 - Disputes

If a disagreement arises, both parties should first attempt to resolve the issue directly via the platform chat.
If unresolved, the Buyer must contact NordicCosta within 24 hours after the scheduled end time (for bookings) or 14 days after delivery (for fixed-price services).
NordicCosta may issue a full or partial refund at its discretion.

8.8 - Refund Timing

Refunds are processed to the original payment method within 5–10 business days after approval.

8.9 - Receipts and Invoices

Stripe automatically issues a payment receipt to the Buyer.
Providers are responsible for issuing official invoices or tax receipts as required by local law.

8.10 - Operator’s Discretion

NordicCosta may override or adjust refund outcomes in cases of fraud, abuse, or violation of platform rules.

8.11 - Assignment and Transfer

NordicCosta reserves the right to assign or transfer its rights and obligations under these Terms to another entity, provided that the new entity continues to operate the marketplace under equivalent terms and service standards. Users will be notified of any such transfer by notice on the Website.

8.12 - Force Majeure

Neither NordicCosta nor its Providers shall be held liable for any failure or delay in performance caused by circumstances beyond their reasonable control, including but not limited to natural disasters, extreme weather, power or internet outages, strikes, wars, pandemics, governmental restrictions, or any other events that constitute force majeure.

In such cases, affected parties shall notify the other party as soon as reasonably possible, and all obligations shall be suspended for the duration of the event.
NordicCosta shall not be required to refund or compensate for losses caused by such events, except where explicitly required by applicable law.

8.13 – Dispute Resolution and Refund Limitations

All payments are processed securely via Stripe. NordicCosta acts solely as an intermediary marketplace and payment facilitator, not as a service provider.

Buyers may report service issues during the escrow period (typically up to 14 days from order completion). Refunds may only be issued during this period while funds are still held by Stripe.

After the escrow period, funds are automatically released to the Provider. NordicCosta cannot issue refunds after this point. Any such claims must be resolved directly with the Provider.

NordicCosta is not liable for refund fees, transaction costs, or losses resulting from late or unresolved disputes outside the escrow process.

9 - Disclaimer and Limitation of Liability

The Service is provided “as is” without warranties.
To the maximum extent allowed by law, NordicCosta’s total liability shall not exceed the amount paid through the Service or €100 if no purchase has been made.
NordicCosta is not liable for indirect or consequential damages.

10 - Intellectual Property

The Service and all original content (excluding user content) remain the exclusive property of TS Capital & Consulting Oy (operating as NordicCosta).
Unauthorized use of NordicCosta’s trademarks or design is prohibited.

11 - Disputes

If You have any dispute about the Service, You agree to contact NordicCosta first to attempt informal resolution.
If the dispute cannot be resolved, all disputes shall be governed exclusively by Finnish law, and the District Court of Helsinki, Finland shall have exclusive jurisdiction.

12 - Changes to Terms

We may update these Terms from time to time.
Changes take effect upon publication on the Website.
Continued use of the Service constitutes acceptance of the revised Terms.