Terms of Service
The contractual terms governing use of KotienKoti and its individual services
Table of contents
Contact details
Home Of Homes Oy
Business ID: 3603016-4
Domicile: Jyväskylä
Email: info@kotienkoti.fi
Privacy matters: tietosuoja@kotienkoti.fi
Read this first
These terms form a binding agreement between you and Home Of Homes Oy. Some services are free and some are paid; paid services are also governed by section 6, which sets out prices, payment and the consumer right of withdrawal. Changes to these terms are covered in section 13 — material changes are always announced in advance.
1.Parties and scope
1.1Parties to the agreement
The service is provided by Home Of Homes Oy (business ID 3603016-4, domiciled in Jyväskylä), referred to below as the "Company" or "KotienKoti". A person or entity using the service is the "User".
By using the website or any service offered through it, the User accepts these terms and the agreement they form between the Company and the User.
1.2What these terms cover
These terms apply to the KotienKoti website, the KotienKoti account and every service offered through them:
- KotienKoti account
- A personal account for managing your properties, documents and services.
- HintaPulssi
- Free comparison and competitive tendering of services (section 8).
- AsuntoPulssi
- An AI-assisted condition, financial and risk report for a property (section 9).
- ARVO and other agents
- AI agents that assist with matters relating to your home (section 7).
- Marketplace (Asuntomarkkinat)
- A listing platform on which a private individual sells their home (section 10).
- PRO features
- Paid additional services intended for professional use (section 11).
1.3Order of precedence
Sections 1–5 and 12–15 apply to all use of the service. Sections 6–11 are service-specific terms and take precedence in the event of conflict, in respect of the service they cover.
If there is a separate written agreement between the Company and the User (for example a pilot agreement or a PRO business customer agreement), that agreement prevails over these terms to the extent it expressly provides otherwise.
Mandatory law
Nothing in these terms limits rights that a consumer has under mandatory law. If a term is invalid in relation to a consumer, that does not affect the validity of the remaining terms.
2.Use of the website and the service
2.1Nature of the content
Content presented in the service is general information. It is not legal, financial, tax, construction or other professional advice, and it does not constitute a binding offer unless expressly stated.
Use of the service alone does not create a client, assignment or advisory relationship between the User and the Company.
2.2Availability and changes to the service
The Company develops the service continuously and may change its content, features and user interface. The Company aims to keep the service available but does not guarantee uninterrupted or error-free operation.
The Company may suspend the service or restrict access to it for maintenance, security, prevention of misuse or to comply with a legal obligation. Where a foreseeable interruption affects a paid service, the Company aims to give advance notice.
If a paid service is discontinued altogether, subscribers are notified in advance and the unused portion of any prepaid period is refunded proportionately.
2.3User obligations
The User undertakes to:
- provide truthful and up-to-date information
- use the service lawfully and in accordance with good practice
- refrain from disrupting the operation or security of the service
- refrain from entering content they have no right to enter
- keep their credentials secure
The service must not be used for:
- automated data collection, scraping or bulk querying without the prior written permission of the Company
- developing a competing service or systematically copying service content
- harvesting other users’ data or contacting them about anything other than the purpose of the service
- circumventing security controls or escalating access rights
2.4Third-party sites and services
The service may contain links to third-party sites and direct users to their services. The Company is not responsible for their content or operation, and their use is governed by that party's own terms and privacy practices.
3.KotienKoti account
3.1Purpose of the account
The KotienKoti account is a personal account with which the User can store and manage the real estate, apartments and other properties they own or manage ("Properties"), their documents and photos, and coordinate services and events relating to them.
3.2Creating an account and age limit
Creating an account requires registration. The User must be at least 18 years old and have legal capacity, or act with the authorisation of a competent representative. In corporate use, the person creating the account warrants that they are entitled to represent that organisation.
The User is responsible for the accuracy of the information they provide and for keeping it up to date. The Company is not responsible for the accuracy of information entered by the User.
3.3Credentials and security
The User is responsible for keeping their credentials confidential and for all activity on their account. Suspected misuse must be reported to the Company without delay at info@kotienkoti.fi.
3.4Sharing a Property and access roles
The User may invite other people to a Property and assign them a role that determines what they can see and change. Roles include owner, co-owner, tenant, manager and viewer.
The person sharing is responsible for what is shared
By inviting another person to a Property, the User grants them access to that Property’s data, documents and photos to the extent the role allows. The User must make sure they are entitled to disclose this information, especially where it contains other people’s data. Access can be revoked at any time, but information already seen cannot be taken back.
Where a Property has several owners, each of them may use the Property data according to their role. Property data may remain available to other parties even if one User closes their account.
3.5Restricting use and closing the account
The Company may restrict or suspend use of the account if the User breaches these terms or the law, if the use endangers the security of the service, or if the measure is necessary to comply with a legal obligation. The User is informed of the restriction and its grounds unless doing so would be unlawful.
The User may close their account at any time from the security settings in their profile. Closing the account ends access to it and to the associated data. Personal data is deleted in accordance with the privacy policy, except for statutory retention obligations and data that also belongs to another party (for example other owners of a Property, or documents relating to a completed transaction).
Closing an account does not automatically terminate a paid subscription and does not affect agreements the User has made with third parties.
4.User content, reviews and moderation
4.1Responsibility for your own content
The User is responsible for all content they store in or send through the service: documents, photos, listings, messages and reviews.
Other people's data
When you upload a document or a photograph, make sure you are entitled to disclose the information it contains. Property manager certificates and sales brochures typically contain names and contact details, and photographs may show people or neighbouring properties. Mask or crop identifiable bystanders before uploading if there is no basis for including them.
4.2Prohibited content
Content must not be stored in the service if it:
- is unlawful, threatening, defamatory or invades privacy
- infringes the intellectual property rights of a third party
- is knowingly misleading or false
- contains malware or seeks to damage the service
- contains other people's data without a basis for doing so
4.3Reviews
A review can only be given for a completed deal, and only by the consumer who ordered it. One review is given per deal. This ensures that the ratings shown in the directory are based on actual transactions.
A review must be based on the reviewer's own experience and must be truthful. Reviews must not be bought, sold or given for consideration. The Company does not alter the content of reviews and does not remove a review merely because it is negative.
A service provider that is the subject of a review has the right to be informed of it and to present their own view.
4.4Reporting and moderation
Anyone may report content to the Company that they suspect breaches these terms or the law. A report can be made using the reporting function next to the content or by email to info@kotienkoti.fi.
The Company handles reports without undue delay and may remove content, hide it or restrict its visibility. The author is informed of the decision and its grounds, and may request a review of the decision by replying to that notice.
A moderation decision does not limit either party’s right to bring the matter before a consumer authority or a court.
4.5Messaging in the service
The messaging function is intended for communication relating to Properties, offers and assignments. Message sending is rate-limited to prevent misuse. The sender is responsible for message content; the Company does not monitor messages in advance but may act on a report in accordance with section 4.4.
5.Intellectual property and use of data
5.1Company rights
The service and its content are the property of the Company or its licensors and are protected by intellectual property law. This covers, among other things:
- the names and marks KotienKoti, HintaPulssi, AsuntoPulssi, ARVO, AINO, Asuntomarkkinat and DisputeShield
- logos, trade marks, the user interface, structure and layout
- software, source code, algorithms, models and documentation
- the databases and interfaces of the service and their structures
5.2Licence to use the service
The Company grants the User a limited, non-exclusive, non-transferable and revocable right to use the service in accordance with these terms. The licence does not transfer intellectual property rights.
Service content may be printed and linked to for private, non-commercial purposes, provided the source is stated and the content is not altered in a misleading way. The User may always take a copy of their own data (see section 15).
5.3The User's own content
The User retains ownership and copyright in all content they create in or store in the service.
The User grants the Company the right to use that content to the extent necessary to provide the service: storing the data, displaying it to authorised parties, analysing it to produce reports and agent responses, and maintaining and securing the service.
Use after the account is closed
After an account is closed, the Company may continue to use only material that has been anonymised or aggregated so that no individual person or Property is identifiable from it. Personal data is deleted in accordance with the privacy policy, and the User’s right to request erasure of their data always remains.
5.4Derived and aggregated data
The Company owns the rights to statistics, analyses and aggregates arising from use of the service in which no individual person or Property is identifiable. This does not limit the rights the User has to their own personal data under data protection law.
5.5Automated data collection
Automated collection, scraping or other machine use of the service, its databases or its interfaces without the prior written permission of the Company is prohibited. The Company may block or restrict such use and close the account used for it.
The contractual penalty applies only to business use
Where prohibited automated use is carried out by a trader or other non-consumer, they undertake to pay the Company a contractual penalty of EUR 25,000 and to surrender any benefit obtained. The penalty does not limit the Company’s right to full damages. In relation to a consumer, only the general rules on damages and blocking of access apply — no contractual penalty is charged to a consumer.
5.6Intellectual property infringement
If you find material in the service that you believe infringes your rights, report it to info@kotienkoti.fi. The Company handles the report in accordance with section 4.4.
6.Paid services and consumer rights
6.1What is chargeable
Browsing the website, the KotienKoti account, HintaPulssi and AsuntoPulssi are free of charge. The Home Digitalisation package (6.2) and PRO features (6.6) are chargeable. Where a charge applies, the price and what it covers are always shown before the order is confirmed.
No automatic charges
The service never charges the User automatically. Every payment is based on the User’s own, express order.
6.2Home Digitalisation package
In the Home Digitalisation package the Company obtains the key documents still missing from a Property, attaches them to it and enters them into the digital twin. The service fee is €99 incl. VAT (VAT 25.5%).
Fees payable to third parties for obtaining documents (for example to a property manager or an authority) are invoiced separately at cost. An estimated range for these costs is shown before the order, and the estimate made at the time of ordering is stored with the order. The estimate is indicative, not a fixed price; actual costs may differ.
The package is calculated from the Property's actual gaps: documents that already exist or that you attach yourself reduce both the work list and the cost estimate.
6.3Ordering and payment
An order is created when the User confirms it in the service. A confirmation is sent by email stating the contents of the order, the price including VAT, the cost estimate and the right of withdrawal.
Payment is made on a payment page provided by the payment processor (Stripe). Card details are handled directly by the payment processor and never pass through KotienKoti's systems. If no payment link is available, the order remains pending and payment instructions are sent separately.
6.4Consumer right of withdrawal
A consumer has the right to withdraw from an order made at a distance by giving notice within 14 days of placing the order. Notice of withdrawal may be given informally to info@kotienkoti.fi or by using the model withdrawal form under the Finnish Consumer Protection Act.
If the consumer asks for performance to begin during the withdrawal period, the service may start immediately. In that case, on withdrawing, the consumer pays a reasonable amount for the part of the service already performed — in practice, the costs of documents already obtained and a proportionate share of the service fee for work done.
The right of withdrawal ends once the service has been fully performed, provided performance began at the express request of the consumer and the consumer acknowledged, before performance began, that the right of withdrawal would be lost once the service had been performed.
Refunds are made without undue delay and at the latest within 14 days of receiving notice of withdrawal, using the same payment method as the original payment.
6.5Defects and complaints
If the service does not correspond to what was agreed, report the defect within a reasonable time to info@kotienkoti.fi. A consumer is entitled to require the defect to be remedied, or to a price reduction or cancellation, as provided in the Consumer Protection Act.
6.6PRO subscription and price changes
PRO features require a valid subscription. Invoicing is monthly or annual at the subscriber’s choice, and payment is charged at the start of each billing period. The applicable price list is shown in the service before ordering.
The notice period for a subscription is 30 days. A terminated subscription remains in force until the end of the current billing period. The Company may terminate or suspend a subscription immediately if the subscriber materially breaches these terms.
Price changes are notified to the subscriber at least 30 days before they take effect. The subscriber may terminate the subscription so that it ends before the change takes effect, in which case the change does not apply to them.
6.7Consumer dispute resolution
If a dispute cannot be resolved with the Company, a consumer may refer the matter to the Finnish Consumer Disputes Board. Before doing so, the consumer should contact Consumer Advisory Services.
Consumer Disputes Board — kuluttajariita.fi
Consumer Advisory Services — kkv.fi
A consumer resident in another EEA state may also contact the European Consumer Centre in their country of residence.
7.AI features and the ARVO agent
7.1We tell you when you are talking to an AI
ARVO is an AI, not a person
ARVO and the other agents in the service are artificial intelligence systems. They are not people and not professional advisers, and their answers are based on a language model and on information stored in the service. This is also stated in the conversation view.
An agent may use Property data, documents and previous conversation history. Each agent’s access to data is limited to what its task requires.
7.2The agent prepares, the human decides
An agent may suggest actions, remind you of deadlines, compile documents and prepare orders. It does not take actions binding on the User without the User’s separate confirmation.
- Binding actions such as orders and acceptance of offers always require the User’s own confirmation
- An agent does not make payments or conclude contracts on the User’s behalf
- Agent actions and sources are logged so that they can be checked afterwards
7.3Accuracy and limitations
AI-generated answers may contain errors, omissions or outdated information. They are not legal, tax, investment, financial or construction advice.
The User should verify critical information from original sources and obtain a professional assessment where necessary before making significant decisions. Section 12 applies to limitations of liability.
7.4Proactive communication
An agent may send the User reminders and suggestions. The User can adjust these from the notification settings in their profile or turn them off entirely.
7.5Conditions of use
Agent features may be available only to some users, for example those taking part in a pilot. The Company may restrict or suspend agent features without separate notice where necessary to manage safety, quality or cost. Agent features must not be used to train language models or to develop a competing service.
8.HintaPulssi
8.1Nature of the service
HintaPulssi is a free service that helps compare and tender services and contracts selected by the User. The service forwards the User’s request and the information they provide to selected service providers and may display their offers in the service.
KotienKoti is not a party to the contract
HintaPulssi is not itself a service provider and is not a party to any contract between the User and a third party. All contracts are concluded directly between the User and the service provider. The Company may receive a fee from a partner when the User concludes a contract.
8.2Authorisation to forward information
By using the service the User authorises the Company to forward the information they provide to the service providers they select for the purpose of making an offer, and to contact the User in matters relating to the service.
Service providers may require acceptance of their own terms and may contact the User directly. Processing of personal data is described in the privacy policy.
8.3No guarantee of outcome
The Company does not guarantee that the User will receive offers, savings or any particular outcome. The content, prices and terms of offers are the responsibility of the service providers, and must always be verified directly with the provider before concluding a contract.
8.4Deals and assignments
When the User accepts an offer, a deal is created in the service whose progress both parties can follow. The parties to a deal see each other’s contact details for the purpose of carrying out the assignment. The Company is not a party to the deal and is not responsible for performance, quality or payment.
Once a deal is marked complete, the customer may leave a review in accordance with section 4.3.
8.5Ending use of the service
The User may stop using the service at any time. Doing so does not affect contracts already concluded with third parties — those remain between the User and the service provider.
9.AsuntoPulssi
9.1Nature of the service
AsuntoPulssi is a tool for assessing the condition, finances and risks of an apartment or property based on information and documents provided by the User. The service analyses the inputs using artificial intelligence and produces an indicative report.
The report is not an official document
An AsuntoPulssi report is not a condition assessment, condition survey, property manager certificate, energy performance certificate, official statement or other formal report, and does not replace any of them. It is a personal tool to support decision-making.
9.2The User makes the decisions
The report is general in nature and does not constitute professional advice. Before significant decisions such as buying a home, the User should verify critical information from official sources and obtain an assessment from a qualified inspector where necessary.
9.3Limitations
The quality of a report depends directly on the quality of the information provided. The Company does not guarantee the completeness or accuracy of a report, the identification of every risk, the accuracy of calculations or cost forecasts, or the accuracy of AI analyses.
9.4Sharing a report
The User may create a share link and a PDF of a report. A share link is bound to an immutable version of the report, so the recipient sees the same content the sharer saw at the time of sharing.
A share link is public
Anyone who knows the link can open the report without logging in. Share the link only with people you want to see the Property data. The User is responsible for ensuring they are entitled to disclose the information in the report. You can revoke a share link in the service, after which it stops working.
9.5User warranties
The User warrants that they provide truthful information, upload only documents they are entitled to upload, use the service for lawful purposes and have legal capacity.
10.Marketplace (Asuntomarkkinat)
10.1A listing platform, not an agency
KotienKoti Asuntomarkkinat is a listing platform on which a private individual can publish a sales listing for their own home.
KotienKoti is not a party to the transaction
The Company is not a party to the transaction, not a real estate agent and not a representative of either party, and it does not take part in negotiations or answer for completion of the sale. Enquiries are forwarded to the seller as they are.
10.2Seller responsibilities
The person publishing a listing is responsible for ensuring that:
- the information in the listing is correct and up to date
- they are entitled to sell the property
- the listing contains the information required when marketing homes, such as the energy class where an energy performance certificate is required
- they are entitled to publish the photographs they upload and that no identifiable people appear in them without their consent
The seller is also responsible for meeting the disclosure obligations that apply to a seller of a home towards the buyer.
10.3For buyers
The buyer should verify the details of a property from the property manager certificate and other original documents before making an offer. Listing information and analyses produced by the service do not replace the buyer’s own duty to investigate.
Offers and the transaction are made between the parties: shares are transferred at a bank or in an electronic trading system, and real estate at a public purchase witness or through the National Land Survey service.
10.4Moderation of listings and fees
The Company may hide or remove a listing that breaches these terms or the law or that is misleading. The grounds for the decision are given to the seller, who may request a review in accordance with section 4.4. Anyone may report a listing on its own page.
Listing is free of charge. If a fee is introduced, it is announced in advance and does not apply to listings already published, for their period of validity.
A listing is valid for a fixed period, after which it is removed from public search. The seller may remove their listing at any time.
11.PRO features and service providers
11.1Who PRO is for
PRO features are intended for professional use by people and companies operating in the real estate, construction and service sectors, such as inspectors, property managers, agents and contractors.
In PRO use the parties are traders, and the consumer-protection provisions of the Consumer Protection Act do not apply to the agreement. The Company may restrict or refuse PRO use if the service is used contrary to its purpose.
11.2Organisation and members
A professional user may link their account to an organisation identified by a business ID. The person acting on behalf of the organisation warrants that they are entitled to represent it and to add members to it.
The organisation is responsible for the actions of its members in the service. The organisation may change the person handling an assignment, in which case the new handler sees the information relating to that assignment.
11.3Listing in the directory
A service provider may publish its details in the public service provider directory. The directory shows the company name, description, location and contact details, together with the average of reviews given for completed deals. Email addresses are not published in the directory.
The service provider is responsible for the accuracy of its details and for holding the permits, insurance and qualifications its activity requires. The Company may remove a service provider from the directory if its details are incorrect or its conduct breaches these terms.
11.4Offers and assignments
The service provider is responsible for the content, pricing and binding nature of the offers it makes and for performing the assignment as agreed. The Company is not a party to the assignment and does not guarantee assignments or any level of income to a service provider.
A service provider may use information received from a customer only to carry out that assignment, unless otherwise separately agreed with the customer.
11.5Misuse
Using PRO features contrary to their purpose, entering misleading information, manipulating reviews, developing a competing service or disrupting the operation of the service may lead to restriction, suspension or closure of PRO features or of the whole account. The Company states the grounds for any such measure.
12.Limitation of liability
12.1Provision of the service
Free services are provided as they are. For paid services, the Company is responsible for the service corresponding to what was agreed.
12.2What the Company is not liable for
The Company is not liable for indirect damage such as lost profit, expected savings that do not materialise, or business interruption. Nor is the Company liable for:
- inaccuracy or incompleteness of information provided by the User
- a third party's offer, contract, work or pricing
- a transaction failing to complete or being delayed
- decisions made on the basis of a report or an AI response
- network disruptions or other factors beyond the Company’s control
12.3Maximum liability
The Company’s liability is limited to the amount the User has paid for the service in question during the 12 months preceding the damage. For a free service the maximum is EUR 0.
What cannot be limited
These limitations do not apply to damage caused intentionally or through gross negligence, to personal injury, or to any other liability that cannot be limited by law. A consumer’s rights under mandatory law always remain.
13.Changes to these terms
13.1Minor changes
The Company may make minor changes to these terms — correcting typographical errors, clarifying wording or updating service descriptions — by publishing the updated terms in the service.
13.2Material changes
Material changes — those that weaken the User's rights, change the content or price of a paid service, or extend the User's obligations — are notified at least 30 days before they take effect, by email or by a notice shown in the service.
Before the change takes effect the User may terminate a paid subscription and close their account at no additional cost. If the User continues to use the service after the change takes effect, the amended terms bind them.
13.3Versioning
Each version of these terms has a version number and a date, shown at the top of this page. The Company keeps a record of which version the User has accepted.
14.Applicable law and dispute resolution
14.1Applicable law
These terms are governed by Finnish law, excluding its conflict-of-law rules. If the User is a consumer resident in another EEA state, the mandatory consumer protection rules of their country of residence also protect them.
14.2Negotiation first
Disputes are primarily resolved by negotiation. Please contact info@kotienkoti.fi before taking other steps.
14.3Competent court
A consumer may always bring an action in the district court of their own domicile, or use the dispute resolution channels described in section 6.7.
For parties other than consumers, disputes are resolved in the district court of the Company's domicile.
15.Privacy and cookies
15.1Processing of personal data
The processing of personal data is described in the privacy policy, which forms part of the terms governing use of the service. It sets out, among other things, what data is processed, to whom it is disclosed, how long it is retained and what rights data subjects have.
15.2Cookies
The service uses necessary cookies and, on the basis of consent, analytics cookies. You can change your choices at any time in cookie settings.
15.3Your data
You can download your own data in a machine-readable format from the privacy settings in your profile, and delete your account from the security settings. Privacy requests can be sent to tietosuoja@kotienkoti.fi.
Acceptance of these terms
By using the KotienKoti service you accept these terms of service. If you do not accept them, please do not use the service.