Buyer Terms of Service Policy

Finnalby is a platform where consumers can buy unique products directly from various Sellers throughout the nation. Regardless of what you're searching for, we offer an extensive range of items on Finnalby, and our goal is to ensure a pleasant shopping experience. Keep reading to discover more about your rights as a Buyer and the expectations you need to meet.

This policy forms part of our Terms of Service. By making purchases or viewing the site on Finnalby, you agree to this policy and our Terms of Service.

Finnalby, LLC ("Finnalby") is often described as an online marketplace, it differs from a conventional “retailer.” Rather, Finnalby serves as a platform connecting Wholesale Sellers and Resellers, and Retail Sellers and Buyers through its websites, Apps, and Social Media Sites. It does not participate in transactions between these parties, nor does it facilitate legal transfer of ownership for items. Consequently, Finnalby has no control over the products advertised, Sellers’ capacity to sell items, or Buyers’ ability to make payments.

You are not buying directly from Finnalby, but from one of the many Retail Sellers on Finnalby;

  1. Finnalby does not pre-screen items sold on Finnalby and therefore does not guarantee or endorse any items sold on Finnalby or any content posted by Sellers (such as photographs or language used in listings or market policies); and
  2. Each Retail Seller on Finnalby has their own processing times, shipping methods, and market policies.

As a member of the Finnalby Marketplace, you have the opportunity to report an item or a Market that violates any of Finnalby’s policies. The reporting party is kept strictly confidential.

Interacting with Other Finnalby Members

Finnalby's Chat ("Chat") feature allows you to communicate directly with Sellers or other Finnalby members. Chat is an excellent way to ask retail Sellers questions regarding a product or an order. Chat should not be utilized for the following purposes:

  • Sending unrequested advertisements, promotions, spam, or soliciting donations;
  • Harassing or mistreating another member or otherwise breaching our Anti-Discrimination Policy;
  • Reaching out to someone after they have explicitly requested not to be contacted; or
  • Disrupting a transaction or interfering with another seller's business.

Avoid sharing personal contact, financial, or other information for the purpose of circumventing the checkout process on Finnalby, including phone numbers, addresses, emails, social media profiles, external links, or instructions for money transfers. Exercise caution when exchanging personal information that is not strictly necessary for completing a transaction.

Acquiring an Item on Finnalby

When purchasing from a market on Finnalby, you're directly supporting an independent Retail Seller, each with its distinct listings, policies, and processing times. By making a purchase from a Retail Seller on Finnalby, you acknowledge that you have:

  1. Reviewed the product description and store policies prior to making a purchase;
  2. Submitted proper payment for the item(s) bought; and
  3. Provided accurate shipping details to the Seller.
  4. Furthermore, you agree to adhere to our Finnalby Gift Card, Credits & Coupons Policy when buying or redeeming Finnalby Gift Cards, Finnalby Credits, or Finnalby Coupons.

For purchases from Sellers using Finnalby Ledger, Buyers may authorize payment with any major credit or debit card accepted by Finnalby, Finnalby Gift Cards, Finnalby Credits, and Finnalby Coupons (subject to applicable limitations), through specific bank transfer services. Finnalby uses third-party service providers for payment processing. You agree that Finnalby may share your information with these processors to complete transactions. By employing a third-party service, you may also be subject to an agreement with the third party. For example, Stripe is a third-party service and falls under the Stripe User Agreement. By providing payment details, you authorize Finnalby and/or its affiliates to charge the payment method for goods purchased and any applicable taxes and fees. Finnalby reserves the right to correct pricing errors and charge your default payment method. If it fails, they may charge other payment methods linked to your account.

Finnalby might share your personal or transactional information with third-party service providers for payment processing purposes. The provider and processing duration for your payment will differ. If your bank account has insufficient funds when our provider processes your purchase payment, Finnalby reserves the right to contact you directly and seek payment.

To ensure the safety of our community and prevent scams or fraud, only transactions executed through Finnalby's authorized payment processing provider shall be deemed valid and enforceable and eligible for our File system. Learn more in our Fees and Payments Policy and Fee Avoidance Policy.

It is forbidden and prohibited to exchange contact information to bypass the checkout system on Finnalby. If you need to discuss order details with your Seller, please maintain communication on the Finnalby Chat platform (via Chat).

Posting a Review for an Item

Reviews provide valuable insights about a Seller's products, assist reputable Sellers in establishing a solid reputation, or warn other Buyers about unsatisfactory experiences.

You can submit a review, including a one to five-star rating of your purchase, for 30 days after the estimated delivery date of your item. If there is no estimated delivery date, the review window opens after the order's processing and shipping times have passed. Your review and profile information will be publicly displayed on the Seller's listing and review pages.

By submitting a review you acknowledge that your content must not violate our rules for Creating and Uploading Content in the following Section, as well as the following:

  • Contain explicit, adult, or offensive language, or any content subject to our mature content policy;
  • Addressing matters beyond the Seller's control, such as shipping carriers, Finnalby, or third parties;
  • Falsely inflating a market's review score; or
  • Compromise the integrity of the review system.

By uploading a review to Finnalby's website or mobile app, you warrant that:

  • You own the content or have the rights or permission to use the content; and
  • You understand that, as stated in Finnalby's Terms of Service, Finnalby has a license to use any content you provide.
  • Sellers may also respond to reviews, adhering to this policy. Sellers can report reviews that violate our Terms of Service.

We reserve the right to remove reviews that breach our policies or Terms of Service.

Creating and Uploading Content

As a Finnalby seller, you can create and upload various content, such as Chats, text, images, and videos. To maintain a secure and respectful community, you agree not to upload content that:

  • Contains hateful or offensive language or imagery, or any content subject to our Anti-Discrimination Policy;
  • Includes threats, harassment, extortion, or violates our interference rules;
  • Infringes on another's intellectual property rights;
  • Is false, deceptive, or misleading;
  • Contains unsolicited advertisements or promotions, donation requests, or spam;
  • Discloses private information, whether yours or someone else's;
  • Encourages or facilitates a transaction bypassing Finnalby's checkout process;
  • Contains prohibited medical drug claims;
  • Violates any rules outlined in our Prohibited Items Policy.

Additional requirements apply to some content on Finnalby. Please refer to the relevant sections above.

Addressing an Order Issue or Returning an Item

Finnalby's File System

Although Finnalby is not directly engaged in transactions between Buyers and Sellers, we offer the Finnalby File system in case of an order problem and you can't reach a resolution with the Seller. If you encounter an order problem, you must first contact the Seller via Finnalby Chat within the Purchases and Reviews section of your account. Allow Sellers 48 hours to attempt to resolve the issue. After this period, you can use Finnalby's File system to notify Finnalby of an unresolved order issue in cases of non-delivery, damage, or receiving an item that isn't as described in the listing. These issues might be covered by Finnalby's Order Protection Program. Learn more about Finnalby Files and the Order Protection Program, including how to open a File and your eligibility. Finnalby, in its sole discretion, will determine if a transaction is eligible under the Finnalby Order Protection Program.

Finnalby reserves the right to change, suspend, or discontinue the Order Protection Program at any time, for any reason, without being liable to you for any effects these changes may have. You have no legal claim under the Finnalby Order Protection Program. If Finnalby does not refund you, this will not affect your claims against the Seller you purchased from. Your legal rights remain intact.

By using Finnalby's File system, you understand that Finnalby may use your personal information to resolve disputes with other members. Finnalby only allows on-platform refunds for 60 days after the transaction. After this period, on-platform refunds are not supported, but you can still communicate with the Seller for an off-platform resolution. Refunds will be in your original payment form, or if not available, Finnalby credit will be issued.

Finnalby’s Order Protection Program

In many cases, order issues can be resolved directly with the Seller, or items can be returned according to the Seller’s return policy. However, Finnalby will step in to support you if you don't receive the item you ordered or if it arrives damaged or doesn't match the listing description. Buyers may receive a partial to full refund for such purchases.

If an order doesn't meet the following expectations, you may receive a partial to full refund, including all taxes and shipping costs:

  • Items are delivered on time, shipped within the Seller's processing times, and delivered to the address provided by the Buyer on Finnalby. Informal updates to processing times or shipping addresses will not qualify.
  • Items arrive undamaged and are packaged to withstand handling in transit.
  • Items match the listing description. Items received shouldn't be significantly different from the listing description or photos. Finnalby may ask the Buyer for documentation to demonstrate the item's significant difference.

If Finnalby determines these expectations aren't met, either Finnalby or the Seller must refund the order, including original shipping and return shipping. Finnalby may refund the return shipping cost as a Finnalby Credit, depending on the File specifics and whether a return is requested.

Some exclusions apply, subject to review by Finnalby’s File system. Eligible Buyers must have a registered Finnalby account in good standing. Abuse of this program may result in program exclusion at Finnalby’s discretion.

Ineligible Transactions

Some disputes don't qualify for Finnalby’s File system, including:

  • Items altered, used, worn, washed, or discarded after receipt.
  • Items received after the agreed-upon delivery date due to shipping delays.
  • Items returned without a return agreement.
  • Accurately described items that don't meet a Buyer's expectations.
  • Shipping cost disputes.
  • In-person purchases.
  • Transactions where payment isn't processed by Finnalby Ledger.
  • Disputes covered by local warranty or return laws applicable to a Seller or their product.
  • Finnalby may request additional documentation.

Refunds and Cancellations

Only Sellers can cancel transactions. Buyers can request a cancellation from a Seller via Chat, complying with Finnalby's Anti-Discrimination Policy. Should you obtain a damaged product, discover missing items in the shipment, or fail to receive the product by the anticipated delivery date, the issue must be reported within 14 days upon product receipt, as detailed in our Refunds and Cancellations Policy. You understand and agree that, if the issue isn't reported promptly, the product shall be considered delivered and satisfactory.

Finnalby retains the authority to accept or decline any missing or damaged report submitted by a Reseller at its exclusive reasonable discretion, particularly if Finnalby suspects fraudulent activities. Finnalby's determination regarding the acceptance of a damaged or missing claim remains binding.

Returning an Item

Each Seller has their own return policies, outlined in their Market Policies. Not all Sellers accept returns. For digital item returns, refer to the Seller's listing.

Agreement Exclusively Between Retail Seller and Buyer and/or Recipient of Buyer:

THE PARTIES INVOLVED IN EACH TRANSACTION ACKNOWLEDGE AND AGREE THAT FINNALBY, LLC:

  1. IS NOT A PARTY TO ANY ORDER OR TRANSACTION
  2. HOLDS NO RESPONSIBILITY OR LIABILITY FOR ANYONE CONCERNING ANY DISPUTES ARISING UNDER ANY ORDER OR TRANSACTION
  3. DOES NOT PROVIDE PRODUCTS UNDER ANY ORDER OR TRANSACTION NOR HAS IT ENGAGED THE INDIVIDUAL PROVIDING PRODUCTS UNDER AN ORDER OR TRANSACTION AS AN AGENT OR EMPLOYEE ACTING ON ITS BEHALF: AND
  4. IS NOT ACCOUNTABLE FOR ANY REPRESENTATIONS, WARRANTIES, OR GUARANTIES MADE BY ANY PARTY INVOLVED IN ANY ORDER OR TRANSACTION, AND HAS NOT APPROVED OR ENDORSED SUCH STATEMENTS IN ANY WAY.