Terms of Service

1. About the service

Philmarket is a Nordic marketplace for philatelic items (stamps, covers and related material). The service is provided by Philmarket Oy (business ID 3636423-6), Finland. By using the service you accept these terms.

2. Accounts

• You must be at least 18 years old to use the service.
• You are responsible for keeping the information in your account correct and up to date.
• You may not share your login credentials with others.
• We reserve the right to suspend accounts that abuse the service.

3. How a sale is concluded

The contract of sale is between the seller and the buyer. Philmarket is not a party to it (§14). What makes that contract binding, and what a bid commits you to, is set out in the model terms of sale — the seller adopts them by publishing the listing, the buyer by bidding, buying, making an offer or accepting a purchase request.

This section describes only when a sale is treated as concluded on Philmarket:

• Auction. When the auction closes and the highest bid is at or above any reserve price. If the highest bid is below the reserve the sale does not proceed, and the seller may instead send that bidder a purchase request (§4).
• Fixed price. When the buyer completes the buy-now step.
• Offer. When the seller accepts the buyer's offer.
• Purchase request. When the buyer accepts a request the seller sent after an auction that did not meet its reserve.

From that moment the platform treats the item as sold: the seller is expected to deliver (§6) and the buyer to pay (§7), and §10 sets out what we may do if either does not. A consumer's statutory right of withdrawal is separate and applies only where §7 says it does.

4. Auctions, offers and bidding

• A bid is an offer. You bid by entering the most you are willing to pay. We then bid on your behalf, using the smallest step needed to keep you as the highest bidder, and never more than your maximum. Your maximum is not shown to the seller or to other bidders.
• Towards Philmarket, you may not take a bid back. While you are the highest bidder you may lower your maximum, but never below the current price, and not once another bidder has overtaken you. §10 sets out what we may do if you break this. Whether the bid also binds you towards the seller is a question for the contract of sale, and the model terms of sale answer it (§3).
• Bid steps. The minimum next bid rises with the current price, from €0.50 below €10 to €100 at €10,000 and above. The step that applies is shown before you confirm.
• The last two minutes. If a bid is placed in the final 2 minutes, the auction is extended by 2 minutes so that others can respond. This happens at most 5 times per auction.
• Reserve price. A seller may set a reserve. Whether a listing has one, and whether it has been met, is shown; the amount is not. No sale arises below the reserve. After an auction that did not meet its reserve, the seller may offer the item to the highest bidder at a price between that bid and the reserve, and the offer expires after seven days.
• Duration and relisting. Auctions run for between 1 and 14 days. An unsold auction may be relisted automatically at most 2 times.
• You may not bid on your own listing, nor arrange for anyone else to bid in order to raise the price or create an appearance of demand. This applies across every account you control. See §9.

5. Seller responsibilities

• The seller warrants that the items are owned and may be sold freely.
• Descriptions, condition assessments and images must be accurate and not misleading.
• Where the free-text description and the listing's structured fields disagree, the structured fields are what was agreed. They carry the same value in every language and are shown to each buyer in their own, while free text reaches most buyers only through machine translation. This never operates against the buyer: where the free text says something *less* favourable to the seller — a fault the fields do not record, or a narrower claim — that statement stands, and the seller may not rely on this paragraph to withdraw it.
• Forgeries, reference material and repaired or otherwise manipulated items may be sold, but only if the seller discloses this. The disclosure is made through the integrity fields on the listing, which Philmarket displays to buyers in their own language; the seller is responsible for ticking what applies. Offering such material as genuine, or concealing that an item is repaired or manipulated, is prohibited.
• Listing stolen goods or copyright-protected material without permission is prohibited.
• The seller is responsible for shipping and packaging after a completed sale.
• At registration the seller declares whether they sell as a trader or a private individual. This is shown to buyers and determines which consumer rights (e.g. the right of withdrawal) apply to the purchase. The declaration must be accurate.
• What Philmarket charges the seller. The only fee is the account fee for the seller's tier. Additional AI condition assessments, reserve prices and promotion are optional purchases the seller adds. Philmarket takes no share of the sale proceeds. The payment service's fees on the seller's own sales are borne by the seller and are deducted from the seller's own connected account. These fees differ from one payment method to another.
• The seller is solely responsible for calculating, declaring and paying any tax (e.g. VAT and income tax) attributable to the sale, as well as any customs and import duties. Philmarket acts as a marketplace operator and does not assume this responsibility on the seller's behalf — no part of the sale proceeds is Philmarket's turnover. Philmarket is responsible for, and accounts for, the VAT on what Philmarket itself invoices the seller: the account fee and the optional purchases the seller makes. Where law requires Philmarket to report a seller's income data to a tax authority (e.g. DAC7), this is a separate undertaking and does not relieve the seller of their own tax responsibility.
• Philmarket issues invoices in the seller's name and on the seller's behalf. By listing for sale you authorise this. You remain responsible for each invoice being correct, including its VAT treatment, and you must tell us without delay if your VAT number, your VAT status or your country of establishment changes.
• Stamps and postcards listed with a start price of €500 or more must include a photo of both the front and the back before the listing can be published.
• We publish how often your orders fall through. Where you have concluded at least 20 orders in the last 12 months and more than 5% of them did not complete — cancelled by agreement, or refunded because nothing was dispatched — that rate is shown on your public profile. The reason given is not taken into account. You can always see your own rate and how far you are from that point, and it does not affect where your listings appear.

6. Delivery

• The seller must dispatch. Once payment is secured — or, for an offline payment, once the seller has confirmed it — the seller must dispatch the item within 5 business days, unless the listing states a longer handling time. Dispatch must be recorded on the platform. For orders of €200 or more, a tracked service must be used and the tracking number provided. Below that amount, if you use a tracked service, the tracking number must be provided.
• Statutory backstop. Where the seller is a trader and the buyer a consumer, delivery must in any event be made without undue delay and no later than 30 days from conclusion of the contract (Dir. 2011/83/EU Art. 18). If the seller does not deliver within that period, the buyer may set an additional reasonable period and, if that also passes, terminate the contract and receive a full refund.
• If the seller does not dispatch. The buyer may report non-delivery once the dispatch deadline has passed. Where the payment is held in escrow we cancel the sale and refund the buyer in full from the held amount. Failure to deliver is a ground for restriction under §10. We do not decide who is at fault in the sale itself — we return the buyer's own money and record what happened.
• An offline payment carries no such protection. We hold no funds and cannot refund you. See §8.

7. Buyer responsibilities and right of withdrawal

• The buyer pays via Stripe within the time limit stated after a completed bid.
• For purchases shipped from a country other than your own, customs, import or other authority fees may apply on delivery, in addition to the purchase price. Such fees are determined and collected by the destination country's authorities or the carrier, not by Philmarket, and the buyer is responsible for them.
• Purchases from a trader: when the seller is a trader and the buyer is a consumer, the buyer has a 14-day right of withdrawal for distance contracts (Dir. 2011/83/EU). The right applies both to fixed-price sales and to online auctions — a pure online auction is not a "public auction" within the meaning of the law (Art. 2(13) and Recital 24), so the auction exemption does not apply. The right is exercised via the withdrawal function in the order (two steps) or with the model withdrawal form; the buyer receives a confirmation on a durable medium.
• Purchases from a private individual: for purchases between private individuals (consumer to consumer) there is no statutory right of withdrawal. The seller's status is shown in the buyer's view before the purchase.
• AI grading credits. Credits are a right to gradings you have not had yet, not content delivered when you buy them — buying them performs nothing. A private individual (consumer) therefore has a 14-day right of withdrawal running from the purchase (Art. 9(2)(a)), and we do not ask you to give it up. If you asked for the credits to be usable immediately and then withdraw within the period, you pay only for the gradings actually carried out, charged at the package's per-credit price — what you paid divided by the credits in the package, not the price of a single credit bought on its own. The rest is refunded as soon as possible and no later than 14 days from the day we are informed of your decision (Art. 13(1)/14(3)). Unused credits are refunded in full. The right is exercised from your credit balance or with the model withdrawal form. Traders have no right of withdrawal on such purchases.
• Reserve-price credits. The same applies to reserve credits, which sellers buy to attach a reserve price to an auction beyond the number their tier includes. A credit is a right to a future use, so buying one performs nothing and there is no loss of the right at purchase. A private individual selling as such (consumer) has a 14-day right of withdrawal running from the purchase (Art. 9(2)(a)). If you withdraw within the period you pay only for the credits actually attached to an auction, at the price paid per credit; the rest is refunded no later than 14 days from the day we are informed (Art. 13(1)/14(3)). A credit that returns because its auction did not sell counts as unused. Sellers acting as traders have no right of withdrawal on such purchases.
• Philmarket's own services: when you buy a paid tier subscription or an add-on (e.g. the storefront) directly from Philmarket, a private individual (consumer) has a 14-day right of withdrawal. If you withdraw within the period after the service began at your request, you pay a proportionate amount for the time used and the rest is refunded as soon as possible, and in any case no later than 14 days from the day we are informed of your decision to withdraw (Art. 13(1)/14(3)); the subscription then ends. Traders have no right of withdrawal on such purchases. Creating an account is free and there is nothing to withdraw.
• Ending a renewed period early. Separately from the statutory right above and from ordinary cancellation below, you may end a renewed subscription period within 14 calendar days of the renewal and get back the part you have not used, counted from the day you ask. Weekends and public holidays are included and do not extend the period — this is our own commitment, not a statutory deadline. It may be used once every twelve months per subscription type, and it is open to traders as well as consumers. For consumers the statutory right above governs a new subscription; this covers the renewals. Because it is a commitment we make rather than one the law imposes, we may change it for the future under §17, and towards business users with at least the notice the P2B Regulation requires.
• Cancelling a subscription. Beyond the right of withdrawal above, you may cancel an ongoing subscription at any time. Cancellation takes effect at the end of the current billing period — the service continues until then and no further charges are made afterwards. No refund is given for the period already paid.
• Payment is held in escrow and released to the seller under the rules in §8 (after the buyer's protection/withdrawal period, or earlier upon confirmed receipt where applicable).
• The buyer must pay. Payment falls due immediately on conclusion of the contract for card payments, and within the period stated on the invoice for an offline payment.
• Reminders and cancellation. For an unpaid offline invoice we send reminders 3 and 7 days after it is issued, and the order is cancelled 14 days after issue unless the seller extends it. A cancelled order releases the item and the seller may relist it.
• Repeated non-payment. Repeatedly winning auctions or accepting offers without paying is a ground for restriction under §10.

8. Payments, escrow and withdrawal

• Payments are handled via a payment service (Stripe) and are held in escrow — funds are not paid out to the seller immediately.
• Purchases from a trader: the escrow is held throughout the buyer's withdrawal period (14 days from receipt of the item; where receipt is not confirmed the period runs from a presumed receipt, and it can then extend beyond 28 days from payment). The outer limit below — 75 days from the day the payment was completed — applies in every case.. If the buyer withdraws within the period, the refund is settled directly from the held amount by Philmarket. Payout to the seller occurs only after the withdrawal period has expired.
• Purchases from a private individual: escrow is optional and, when used, provides a 14-day buyer-protection window from payment (no statutory right of withdrawal applies between private individuals). The buyer may confirm receipt and release the payment earlier.
• Offline payment (below the amount limit, the seller is paid directly): no escrow and no platform buyer protection. If the seller is a trader, the consumer's statutory rights (including the right of withdrawal) still apply — they are then settled directly with the seller.
• The payment service's fees are borne by the seller. The payment service deducts its fees for the seller's sales from the seller's own connected account. Philmarket takes no share of the transaction value (§5).
• If a dispute arises, we delay the payout — we do not hold your money. Your funds sit in your own connected account; what we control is when a payout is initiated, and that is what a delay affects. A delay is placed only on a buyer's complaint made within the complaint window, or on an objectively established indication of fraud. It is never discretionary.
• It is bounded, and the bound is published. Thirty days where the dispute concerns delivery, withdrawal or conformity — those end either with the goods arriving or the money going back, and nothing is learned after day thirty that was not knowable on it. Sixty days for fraud, anti-money-laundering review, or an open card-network dispute, where the timetable is not ours to shorten. If nobody carries the complaint forward within the period, the funds are released to the seller: silence favours the seller.
• Only the disputed amount. A complaint about one item in a combined order delays that line, not the rest, and never your account balance.
• A delay never blocks a refund. You can refund the buyer in full or in part at any time during it, out of the same funds. If you are a trader you have your own statutory refund deadlines, and we will not be the reason you miss one — we remind you in good time while the money is still available to you.
• If we overrun, we pay for it. Where a delay runs past the period above, or turns out to have had no proper basis, we owe you default interest under the Finnish Interest Act (633/1982) §4 for the excess. A time limit without a consequence is not a time limit.
• There is an outer limit, and it applies whatever the reason. A payout is never deferred more than 75 days from the date the payment was completed, counted across the whole matter rather than per individual delay. If a dispute is unresolved when that day is reached, the funds are paid out to the seller and the dispute continues between the parties without us deferring any payout on account of it. Paying out is not us deciding it — it is us ceasing to be the party holding it.
• One exception, and it is outside our control. Where an authority's decision or mandatory law prevents the payout from being made, that takes precedence over the time limit above. We record which authority and which decision, and inform the seller — except where the law forbids us to.
• The limit can only be shortened, never extended by us. We cannot defer a payout beyond the 75 days on our own, at our own discretion, or because an investigation is taking time.
• No set-off. Delayed funds are not applied against anything else you may owe us without your agreement or an enforceable judgment.
• You can have it reviewed. Ask us under §10, which covers how we review a decision and what we tell you about it. Independent bodies are open to you under §16 regardless of what we decide.

9. Prohibited content and conduct

It is prohibited to list:

• Items offered fraudulently — e.g. a forgery presented as genuine, or a repaired/manipulated item where this is concealed. (Forgeries and repaired items may be sold when disclosed through the listing's integrity fields — see §5.)
• Stolen goods.
• Items originating in sanctioned countries under the EU sanctions framework.
• Illegal items of any kind.

It is also prohibited to:

• bid on your own listing, or arrange for another person or account to bid, in order to raise the price or create an appearance of demand;
• direct a buyer or seller off the platform in order to complete a sale that began here, however the payment is made. A sale concluded here but settled outside the platform (§8) is a different thing: it counts towards your cap, and you report it to us;
• use another person's account, share your login credentials, or operate additional accounts to evade a restriction;
• manipulate reviews, whether by trading feedback or by submitting reviews for transactions that did not take place.

Registered turnover and your cap. Your tier carries a cap on registered turnover for the contract year, stated together with the tier's price. Registered turnover is the price of the goods you sell through the service, less any discount you have given and excluding shipping — that is, what the sale actually brings you. A sale counts from the moment the sale is concluded, and is counted back off if the purchase does not go through: on cancellation, withdrawal or refund. A sale concluded here but settled outside the platform (§8) counts in the same way, and because the payment does not pass through us, you must report such a sale to us. When the cap is reached, a purchase already under way may be completed; after that you may either pause your selling for the rest of the contract year — your listings remain but cannot be bought — or move up to a tier with a higher cap. Moving up does not start a new contract term; you pay the difference for the time remaining. The cap resets when the contract year renews.

10. Restriction, suspension and termination

The grounds are these and no others. A closed list limits our own discretion, which is the point of it. We may restrict, suspend or terminate an account only on a ground below, and each is written so that someone outside Philmarket can answer yes or no to it:

(a) forged, repaired or manipulated material offered as genuine or without clear disclosure; (b) goods that are stolen or whose provenance is unlawful; (c) items that are prohibited or subject to sanctions; (d) descriptions or condition assessments that were misleading, on three or more occasions within twelve months; (e) failure to deliver a paid order, on three or more occasions within twelve months; (f) fraud, or a pattern of payment reversals we have shown to be unfounded; (g) identity or KYC verification that remains incomplete after two written requests; (h) threats, harassment or discriminatory abuse directed at a person, as evidenced in messages or listings; (i) an order from a court or a competent authority; (j) credible evidence that the account has been accessed by someone other than its holder.

We act in steps, and we start at the lowest one that fits. Warning → restriction of the specific function concerned → suspension of the account → termination. We escalate only where a further ground arises, or where the same ground recurs after a warning. A single ground does not entitle us to terminate.

You are told first. We give notice and a reasonable opportunity to respond before a restriction takes effect. We act without prior notice only where the delay would itself cause harm — suspected fraud in progress, unlawful content, a security incident, or an order that requires immediate action — and in those cases the statement of reasons follows immediately after.

A restriction never takes your money. No ground on this list causes you to lose funds you have earned but not yet been paid, or credits you have bought but not used. Where an account is suspended or terminated, sums already earned are paid out under §8 and unused credits are refunded, subject only to amounts genuinely in dispute under §11 and to what we are required to withhold by law.

This list changes only as these terms change. We may not add a ground, or widen one, through a policy page, a help-centre article or a guideline. Any change goes through the procedure in §17, including its notice period and your right to end the agreement before it takes effect.

Statement of reasons. On a restriction — and equally on a delay of a payout under §8 — we give you, on a durable medium (email), at the moment the measure takes effect and not only if you challenge it: what the measure is and how long it may last, the specific facts we relied on, whether it was reached by automated means, the clause we relied on, what will end it, and how to challenge it. This is Article 17 of the Digital Services Act, whose point (b) covers "suspension, termination or other restriction of monetary payments", and, where you sell as a trader, Article 4 of the P2B Regulation.

A statement about a payout delay always says one thing more: that the delay does not block a refund, and that any refund deadline of your own is unaffected.

Review. You may ask for any such decision to be reviewed, by replying to the notice or by contacting support@philmarket.eu. Send us whatever you want considered — the review is carried out on that material, which the original decision did not have. You get a written, reasoned answer within 14 days of your request being registered, from someone able to reverse or vary the decision.

We will not promise you a different reviewer. Philmarket Oy is a one-person company, so a reviewer independent of the person who decided is not something we can honestly guarantee, and we say so rather than describe a separation of duties we could not keep. What makes the review worth something instead is that it is not carried out on the same material: it is decided on what you send us, which the original decision did not have. And the criteria that end a measure are published in advance, so the outcome does not turn on who is reading.

None of this is your only route. If you are a consumer you may go to the Finnish Consumer Disputes Board or your national European Consumer Centre, and if you are a trader to mediation under the P2B Regulation — independently of our review and whatever it concludes. The courts remain open in either case (§16).

11. Terms for traders (P2B Regulation)

For sellers who are traders (business users), the following also applies, in accordance with EU Regulation 2019/1150 on fair terms for business users (P2B):

• Ranking — the main parameters. The order of search results is set entirely by the sort the buyer selects: newest published (the default), ending soonest, or price ascending or descending. There is no relevance score, no personalisation and no machine-learned ordering, so the same search with the same sort returns the same order for every buyer. The main parameter is therefore the selected sort criterion, and the reason for its relative importance is that the buyer chooses it — we do not weight one listing against another. Neither your plan, your ratings, your sales history, nor whether you are a trader or a private individual affects that order. The full description is published at /ranking.
• Ranking — paid promotion. You can buy a front-page highlight for a listing. It is shown only in a separately labelled "Sponsored" carousel, and it never moves a listing within search results. No payment to Philmarket, of any kind, changes the order described above.
• No differentiated treatment. Philmarket sells no items of its own and does not compete with sellers. No seller is favoured in ranking or search results. Differences between subscription tiers concern listing volume and features (see §5) — not visibility in search.
• Access to data. As a seller you have access to your own sales and financial data and can export it (CSV, SIE and VAT/OSS) from your seller panel. You receive the buyer details required to fulfil the order. You do not have access to other sellers' data, and Philmarket does not sell your data on.
• Changes to the terms. Material changes are notified at least 30 days in advance (see §17). During the notice period you have the right to terminate the agreement before the changes take effect.
• Complaints. Philmarket is a small enterprise and is therefore exempt from the requirement for a formal internal complaint-handling system (Art. 11) and named mediators (Art. 12) under P2B. Complaints are nevertheless received and handled in good faith via support@philmarket.eu.

12. Paid promotion and advertising

• Separately from the ranking above, sellers may buy a clearly labelled ("Sponsrad") slot that features a listing in the front-page carousel for a limited time, and Philmarket sells clearly labelled ("Annons") advertising space. Such paid promotion and advertising appear only in separate, marked areas and do not affect the organic search ranking or a listing's visibility in search results.
• Buying advertising. Advertising is a business-to-business service: it is sold only to business accounts — a company account, or a private individual who has declared that they act as a trader. It is not sold to consumers, and the right of withdrawal in §7 therefore does not apply to it.
• Advertising — eligibility and review. A campaign must have a substantive connection to philately or an adjacent collecting field. You declare your segment and state that connection when applying. Every campaign is reviewed by Philmarket before it can be paid for; nothing is charged for a campaign that is not approved, and a rejection is given with its reason. An approval must be paid within 14 days or it lapses.
• Advertising — term and price. Advertising is bought for a fixed term of 2, 4 or 8 weeks at the price shown when ordering. The term runs from the day the ad is published — not from the day you apply or are approved — so time spent in review is not charged for.
• Advertising — takedown and refunds. Philmarket may pause or remove a live ad that breaches the advertising policy, on a complaint, or on an order from a court or authority. No refund is given for the remaining term. Where the advertiser is a business user, a takedown follows the statement-of-reasons practice described above.
• Advertising — our users are not profiled. Ads are shown by placement and schedule only, never according to who is viewing. Philmarket sets no cookies or tracking pixels for advertising and keeps only aggregate impression and click counts. When a visitor clicks an ad, no referrer is sent, so the destination is not told that the visitor came from Philmarket. As an advertiser you may not introduce, or require Philmarket to introduce, any tracking on Philmarket's pages. The full rules are in Philmarket's advertising policy, which forms part of these terms for advertisers.

13. AI-based services and other tools

What the AI condition assessment is. Philmarket offers an automated condition assessment of a listing's photographs (Claude Vision). It reads visible condition markers from the images and reports them on the platform's own scale, together with the model version. In accordance with the EU AI Act (Art. 50) we disclose that AI is used, and we keep the assessment on record.

What it is not. It does not authenticate. It does not value. It does not reliably detect repair, regumming or other manipulation. It does not replace an expert certificate, and it does not examine the item — only the photographs supplied. Its output is a probabilistic reading of an image, and it can be wrong about any individual characteristic.

Buying assessments as a consumer. Where you buy grading credits, that is a paid digital service supplied by us to you, and it must correspond to the description above. Because an automated reading of photographs does not reach the accuracy that could otherwise objectively be expected of a "condition assessment", we tell you so specifically before you buy and ask you to accept that particular deviation separately from anything else you agree to (Dir. (EU) 2019/770 Art. 8(5)). Without that specific notice and separate acceptance the deviation does not bind you, and your statutory conformity rights apply in full. We do not ask you to waive them, and a term purporting to do so would in any event be ineffective (Art. 22).

A seller's published assessment is the seller's statement. Where a seller runs an assessment and chooses to publish it on a listing, it becomes part of their description of the item and the seller answers for it (§5). Philmarket is not a party to that sale (§14).

Other tools. The perforation gauge, the centering-assessment tool and bulk listing creation are aids. They do not replace your own judgement or verification. Where you use them as part of a service you have paid us for, the same conformity rules apply as above; our liability is dealt with in §14, which is the only place in these terms that limits it.

14. Liability

Philmarket operates a marketplace and is not a party to the contract of sale between buyer and seller. We are not liable for the condition, authenticity, description or delivery of items listed by users. This section concerns our own liability, for our own services and for the operation of the marketplace.

If you are a consumer.

1. We are liable without limitation for damage caused intentionally or by gross negligence; for damage to life, body or health; under mandatory product liability law; where we have fraudulently concealed a defect; and where we have given a guarantee. This applies equally where the damage was caused by someone we engaged.

2. In cases of simple negligence we are liable only for breach of an obligation whose fulfilment is essential to the proper performance of this agreement and on which you may reasonably rely, and that liability is limited to the damage typically foreseeable at the time of contracting. Where a claim concerns a marketplace transaction, the value of that transaction is ordinarily a good guide to what was typically foreseeable — it is a guide to the measure, not a ceiling on it.

3. There is no monetary cap on our liability to you.

4. Nothing above affects rights you have under mandatory law that cannot be limited or excluded, including your rights against the seller.

If you are a trader. In cases of simple negligence our liability to you is limited to the greater of the value of the transaction concerned and the amount you paid us for the service concerned in the twelve months before the event giving rise to the claim. Paragraph 1 applies unchanged.

15. How responsibilities are shared

Philmarket operates the marketplace; sellers sell. This section sets out how the obligations arising from a purchase are divided between us, as online marketplaces are required to do by Dir. 2011/83/EU Art. 6a(1)(d).

• The seller is the other party to your purchase. They are responsible for the item's description and condition, for delivery, and — where they are a trader — for your statutory rights as a consumer, including the right of withdrawal, the legal guarantee of conformity, and any commercial guarantee they offer.
• Philmarket is responsible for operating the service, for holding and releasing payments as described in §8, for the information we display about a seller's status, and for our own services (subscriptions, credits, promotion and advertising), where we are the seller.
• Where we present information on a seller's behalf, including the pre-contractual right-of-withdrawal information shown before you pay, we are responsible for that information being correct and available in the language the service was presented to you in. A seller does not answer for a defect in wording we supplied.
• Whether a seller is a trader or a private individual is stated on the basis of the seller's own declaration, which they must keep accurate (§5). Where the seller is a private individual, EU consumer protection rules do not apply to your purchase — this is shown before you buy.

16. Governing law and dispute resolution

The laws of Finland apply. This does not deprive you, as a consumer, of the protection afforded to you by provisions that cannot be derogated from by agreement under the law of the country in which you have your habitual residence.

Consumers — court. You may bring proceedings in the courts of your own country of residence, and we may bring proceedings against you only there.

Consumers — out of court. Philmarket Oy is established in Finland and is subject to the Finnish Consumer Disputes Board, Kuluttajariitalautakunta (kuluttajariita.fi). Please contact us first; if we cannot resolve the matter you may refer it there. If you live in another EU or EEA country, your national European Consumer Centre (ECC-Net) will help you bring a cross-border complaint against us, and can tell you whether a body in your own country will also take the case. The Board works in Finnish and Swedish. A complaint and its attachments have to be in one of those two languages to be considered, so bringing one from another country can mean paying for a translation. Your national European Consumer Centre will raise the matter with us on your behalf free of charge — that is what the network exists for.

Other users. Disputes are heard by the competent Finnish court.

17. Changes to these terms

We may change them only for a reason on this list. (a) a change in law, in a binding decision of a court or an authority, or in supervisory practice that applies to us; (b) a function we add, retire or rebuild; (c) a change in what a payment, shipping, identification or hosting provider requires of us; (d) a change in our fees, or in how they are taxed; (e) the correction of an error or an ambiguity, where the correction does not move the balance of the agreement; (f) a security or fraud measure that cannot wait. A change made for any other reason binds you only if you accept it.

Thirty days, for everyone. We notify material changes by email at least 30 days before they take effect. The P2B Regulation requires 15 days for traders and consumer law requires a reasonable period; we use 30 days for every user rather than run two clocks.

You do not have to accept. You may end the agreement at any time during the notice period, and the ending takes effect before the changes do. If you neither accept nor end it, your account enters a wind-down when the changes take effect.

What a wind-down is. You may do everything that discharges an obligation you already have, and nothing that creates a new one. You may dispatch goods, pay for what you bought, request and issue invoices, exercise a right of withdrawal, raise and answer a dispute, receive and answer a complaint, receive payouts, export your data, and delete your account. You may not list, bid, make or accept offers, or start a new purchase.

A period you have paid for is not cut short. If you have paid for a subscription period or bought credits, the wind-down does not reach them. Either you keep full use of the service until the paid period ends, or the wind-down begins at once and we refund the unused part automatically, in proportion to the time left. The choice is yours; if you tell us nothing, you keep full use.

A wind-down has an end date. It lasts at most 90 days from the day the changes take effect, after which the agreement ends.

What still works after the agreement ends. For at least twelve months — longer where accounting law requires us to keep the records — you can export your data, receive money you have earned, and bring or answer a dispute about a contract concluded before the agreement ended. Ending the agreement does not end an obligation either of us already had.

18. Language

These terms are available in the languages in which the service is offered. The English version is the reference version from which the others are prepared.

If you are a consumer, the version in the language in which the service was presented to you when you accepted these terms applies to you, and where a translation differs from the English version you may rely on whichever is more favourable to you. Where the service is not available in your language, it is provided in English.

19. Contact

Philmarket Oy · company details at /about

Reaching us as a user of the service. Our single point of contact is support@philmarket.eu or the form at /contact. You choose which one; both arrive in the same place and a person reads and answers. No route to us is answered only by an automated system. If you use the form we email you a copy of what you wrote, so you keep the exchange as it was sent.

Reaching us as an authority. Our single point of contact for Member State authorities, the European Commission and the European Board for Digital Services is compliance@philmarket.eu.

Languages. Both points of contact work in Swedish and English. Swedish is an official language of Finland, where Philmarket Oy is established.

This section is Articles 11 and 12 of the Digital Services Act. The exemption for small enterprises in Article 19 covers Section 3 of that Regulation and so reaches neither of them.

20. Reporting illegal content, and how we moderate

• Anyone may report. You do not need an account. Use the form at /notice — tell us where the content is and why you believe it is illegal. We confirm every report on receipt and give you a reference.
• What happens next. We assess reports without undue delay. Where you gave us contact details we tell you what we decided. That decision does not prevent you from taking the matter to an out-of-court dispute body or to a court.
• How we moderate. A decision to remove or restrict content is made by a person. We use automated checks to help find content that may break these terms — the plausibility checks on condition assessments, for example — but an automated check never removes content on its own.
• If we restrict something you published, we tell you why on a durable medium, and you may contest it by replying to that notice.
• What we can restrict, and on what grounds, is set out in §10 — those grounds and no others.
• Complaints about us. Philmarket is a small enterprise, so the internal complaint-handling system in Art. 20 of the Digital Services Act does not apply to us. We take complaints at support@philmarket.eu and answer them regardless.