Terms and Services
Sometimes important

Revision date: October 28, 2018

As a provider of web site hosting and other Internet-related services, VM HOSTING offers its customer (also known as "Subscribers") and their customers and users the means to acquire and disseminate a wealth of public, private, commercial and non-commercial information. VM HOSTING respects that the Internet provides a forum for free and open discussion and dissemination of information. However, when there are competing interests at issue, VM HOSTING reserves the right to take certain preventive or corrective actions. In order to protect these competing interests, VM HOSTING has developed an Terms of Service ("TOS"), which supplements and explains certain terms of each customer's respective service agreement, and is intended as a guide to the customer's rights and obligations when using VM HOSTING' services. This TOS will be revised from time to time.

One important aspect of the Internet is that no one party owns or controls it. This fact accounts for much of the Internet's openness and value, but it also places a high premium on the judgment and responsibility of those who use it, both in the information they acquire and in the information they disseminate to others. When subscribers obtain information through the Internet, they must keep in mind that VM HOSTING cannot monitor, verify, warrant or vouch for the accuracy and quality of the information they acquire. For this reason, the subscriber must exercise his or her best judgment in relying on information obtained from the Internet, and also should be aware that some material posted to the Internet may be sexually explicit or otherwise offensive. Because VM HOSTING cannot monitor or censor the Internet, and will not attempt to do so, VM HOSTING cannot accept any responsibility for injury to its subscribers resulting from inaccurate, unsuitable, offensive or illegal Internet communications.

When subscribers disseminate information from the Internet, they must keep in mind that VM HOSTING does not review, edit, censor or take responsibility for any information its subscribers may create. When users place information on the Internet, they have the same liability as other authors for copyright infringement, defamation and other harmful speech. Also, because the information created is carried over VM HOSTING' network and may reach a large number of people, including both subscribers and non-subscribers of VM HOSTING, subscribers' postings to the Internet may affect other subscribers and may affect VM HOSTING' goodwill, business, reputation or operations. For these reasons, subscribers violate VM HOSTING policy and the Service Agreement when they, their customers, affiliates or subsidiaries engage in the following prohibited activities:

Sending unsolicited bulk and/or commercial information over the Internet. It is not only harmful because of its negative impact on consumer attitudes toward VM HOSTING, but also because it can overload VM HOSTING' network and disrupt service to VM HOSTING' subscribers. Also, maintaining an open SMTP relay is prohibited. When a complaint is received, VM HOSTING will investigate and shutdown the account that is SPAMing. A €250 charge for violating this policy will be charged to the person initiating the SPAM. Furthermore VM HOSTING reserves the right to prosecute for this violation. A €1.00 charge will be assessed PER EMAIL sent should VM HOSTING choose to pursue and prosecute.

Audio/Video Streaming:
Audio/Video Streaming is not hosting friendly. As such, VM HOSTING does not allow any streaming of audio or video content. Offending accounts will be suspended without noticed or terminated.

Adult-Oriented Content:
VM HOSTING does not allow adult content and will suspend/terminate any offending account.

Large File Policy:
VM HOSTING is not for file hosting and distribution - as such, customers may not host any files larger than 50MB in size that are observed to be available for the sole purpose of download. Such files include but are not limited to .ISO, audio/video files, .EXE files. If you are unsure whether your file is against this policy, please e-mail support@vmhosting.fi.

Obscene Speech or Materials:
Using VM HOSTING' network to advertise, transmit, store, post, display, or otherwise make available child pornography or obscene speech or material is prohibited. VM HOSTING is required by law to notify law enforcement agencies when it becomes aware of the presence of child pornography on or being transmitted through its network.

Defamatory or Abusive Language:
Using VM HOSTING' network as a means to transmit or post negative, defamatory, harassing, abusive or threatening language.

Forging of Headers:
Forging or misrepresenting message headers, whether in whole or in part, to mask the originator of the message.

Illegal or Unauthorized Access to Other Computers or Networks:
Accessing, illegally or without authorization, computers, accounts or networks belonging to another party, or attempting to penetrate security measures of another individual's system (often known as "hacking"). Also, any activity that may be used as a precursor to an attempted system penetration (i.e., port scan, stealth scan or other information-gathering activity).

Distribution of Internet Viruses, Worms, Trojan Horses or Other Destructive Activities:
Distributing information regarding the creation of and sending Internet viruses, worms, Trojan horses, pinging, flooding, mail bombing or denial of service attacks. Also, activities that disrupt the use of or interfere with the ability of others to effectively use the network or any connected network, system, service or equipment.

Facilitation a Violation of this TOS:
Advertising, transmitting or otherwise making available any software, program, product or service that is designed to violate this TOS, which includes the facilitation of the means to spam, initiation of pinging, flooding, mail bombing, denial of service attacks and piracy of software.

Export Control Violations:
Exporting encryption software over the Internet or otherwise, to points outside the Finland.

Usenet Groups:
VM HOSTING reserves the right not to accept postings from newsgroups where we have actual knowledge that the content of the newsgroup violates the TOS.

Other Illegal Activities:
Engaging in activities that are determined to be illegal, including, but not limited to, advertising, transmitting or otherwise making available ponzi schemes, pyramid schemes, fraudulently charging credit cards and pirating software.

Other Activities:
Engaging in activities, whether lawful or unlawful, that VM HOSTING determines to be harmful to its subscribers, operations, reputation, goodwill or customer relations.

As we have pointed out, the responsibility for avoiding harmful activities just described rests primarily with the subscriber. VM HOSTING will not, as an ordinary practice, monitor the communications of its subscribers to ensure that the comply with VM HOSTING' policy or applicable law. However, when VM HOSTING becomes aware of harmful activities, it may take any action to stop the harmful activity, including, but not limited to, removal of information, shutting down a web site, implementing screening software designed to block offending transmissions, denying access to the Internet, or any other action deemed appropriate by VM HOSTING.

VM HOSTING is also aware that many of its subscribers are themselves providers of Internet services, and that information reaching VM HOSTING' facilities from those subscribers may have originated from a customer of the subscriber or from another third party. VM HOSTING does not require its subscribers who offer Internet services to monitor or censor transmissions or web sites created by customers of its subscribers. VM HOSTING reserves the right to directly take action against a customer of its subscribers. Also, VM HOSTING may take action against the VM HOSTING' subscriber because of activities of a customer of the subscriber, even though the action may affect other customers of the subscriber. Similarly, VM HOSTING anticipates that subscribers who offer Internet services will cooperate with VM HOSTING in any corrective or preventive action that VM HOSTING deems necessary. Failure to cooperate with such corrective or preventive measures is a violation of VM HOSTING policy.

VM HOSTING will not intentionally monitor private electronic mail messages sent or receive by its subscribers, unless required to do so by law, governmental authority or when public safety is at stake. VM HOSTING may, however, monitor its service electronically to determine that its facilities are operating satisfactorily. Also, VM HOSTING may disclose information, including, but not limited to, information concerning a subscriber, a transmission made using our network, or a web site, in order to comply with a court order, subpoena, summons, discovery request, warrant, statute, regulation or governmental request. VM HOSTING assumes not obligation to inform the subscriber that subscriber information has been provided and, in some cases, may be prohibited by law from giving such notice. Finally, VM HOSTING may disclose subscriber information or information transmitted over its network where necessary to protect VM HOSTING and others from harm, or where such disclosure is necessary to the proper operation of the system. However, VM HOSTING will never sell information to other services or outside companies.

VM HOSTING expects that its subscribers who provide Internet services to others will comply fully with all applicable laws concerning the privacy of online communications. A subscriber's failure to comply with those laws will violate VM HOSTING policy. Finally, VM HOSTING wishes to emphasize that, in signing the Service Agreement, subscribers indemnify VM HOSTING for any violation of the Service Agreement, law or VM HOSTING policy resulting in loss to VM HOSTING or the bringing of any claim against VM HOSTING by any third party. This means that, if VM HOSTING is sued because of a subscriber's or customer of a subscriber's activity, the subscriber will be responsible for payment of any damages awarded against VM HOSTING, plus costs and reasonable attorney's fees.

We hope this TOS is helpful in clarifying the obligations of Internet users, including VM HOSTING and its subscribers, as responsible members of the Internet. Any complaints about a subscriber's violation of this TOS should be sent to support@vmhosting.fi.

payment options


Your customers appreciate comprehensive payment methods.

ONNordeaDanish bankAktiaHandelsbankenOmaSPPOP bankS BankSavings bankThe Bank of ÅlandShowMastercardAmerican ExpressBuy with OPCollector BankMashElasticitySveaBeerMasterPassMobilePayTransferAinaPay

You will receive easy payment methods from Finnish banks, credit cards and finance companies for invoicing and outsourcing services. When you give your customers the flexibility to choose the most preferred payment method, buying is smooth.

Mobile payment methods: Pivo, MobilePay, Masterpass and Transfer

  • Starter Edition and Extended Package when credit card payments are in use
  • Use to the consumer:
    • The consumer accepts the payment on their smartphone in the application
    • Applications are free of charge
    • Download an application from the phone's application store or from the product's home page
    • Applications keep the card information together, in a safe place
  • Prices for the merchant: prices according to credit card transactions according to the Checkout service package
  • Why Offering Mobile Payments as a Payment Option for All Your Customers?
    • Increase your sales and reduce rejection of your shopping carts
    • For consumers fast, secure and simple buying
    • A smooth, consistent shopping experience regardless of location


  • The service is provided by OP
  • For all banks' customers, all smart phones
  • It also supports Migration Fees



  • The service is provided by Danske Bank
  • For all banks' customers, all smart phones



  • The service is provided by Mastercard
  • Available to consumers at Nordea's mobile wallet, other banks will soon follow suit
  • iOS and Android
  • Global payment method, already announced in 34 countries, with 340,000 merchants



  • The service is provided by Automatia and is provided by OP Customer Services Oy
  • Available for OP, Nordea and S-Bank customers
  • Transfer fees may be made by all consumers who have access to one of the Mobile App for Mobile Payments
  • Merchants are offered at Checkout's new interfaces


Bank buttons


Whether you have any service package from us, you can offer your customer the opportunity to pay with all online bank payment buttons from all Finnish banks. Price for the merchant:

  • Banking and Wide Package 0.35 € / payment transaction except Nordea and Danske Bank 0.49 € / payment transaction
  • Starter package € 0.50 + 2.75% / payment transaction
  • It also allows the use of own agreements. In that case, we charge the service on a case-by-case basis.

Credit Card buttons


As a Starter or Wide Package user, you can offer your customer the opportunity to pay in your online store with Visa, Visa Debit, Visa Electron, MasterCard, Debit MasterCard and American Express.

  • Secure Nets SSL Secure Payment Form. Online shopping and Checkout Finland Oy do not have access to card data and payment card information is not stored in our systems.
  • International Verified by Visa, MasterCard SecureCode and American Express SafeKey Certification Services.

Price for the merchant:

  • Wide Package 0.35 € / Payment Transaction + 2% / Payment Transaction
  • Starter package € 0.50 + 2.75% / payment transaction

Invoice and hire payment services


Increase your sales by introducing convenient, but secure invoice and outsourcing services. We've only picked you the best service providers we recommend to choose a broad coverage. When the payment options are a bill and an Invoice, the purchase decision for your customer is made easier. He can choose the way he wants: to pay at a time or in monthly installments. The decision to grant the loan is provided by the customer immediately. The payment transaction and the transmission of the data will take place in a secure connection.

Prices of consumer invoices and rates for the merchant:

  • Banking and Wide Package 0.35 € / payment transaction
  • Starter package € 0.50 + 2.75% / payment transaction

Why Take a Selection Invoice and Subtraction?

  • Larger shops
  • No risks
  • Quick settlements
  • Flexible customer experience
  • The customer can change the invoice as a convenient part payment
  • Returns and refunds are easy

OP Purchase by invoice

  • For people over 20 years of age residing in Finland with a Finnish social security number
  • 50-5000 euros for shopping
  • For the first installment, an unpaid payment period of 30 days
  • Identification with the Finnish bank's online banking codes
  • Lender reviews the credit and address details
  • Billing surcharge for buyer 2 € / month

The creditor is OP Yrityspankki Oyj. Consumer Questions are answered by Customer Service at Finance: Consumer Finance@op.fi


Consumer bill and share charge (B2C)

  • For individuals over 20 years of age in Finland
  • Kertaostos max. 5000 €
  • By invoice automatically at the end of the month following the unpaid payment period
  • Billing surcharge to buyer € 2.95
  • The buyer may change the invoice as a partial payment, with a repayment period of up to 36 months

Invoice (B2B)

  • For companies in Finland
  • Kertaostos max. 5000 €
  • Invoice will automatically increase the interest-free payment period by 30 days
  • Buyer is liable personally if the company refuses to pay the bill
  • The price of the invoice for the merchant is 2 € + 2% / invoice
  • Billing surcharge for buyer € 4.95
  • Invoice can not be converted into a partial payment

Further information: www.collector.fi


  • To Finnish private individuals aged 20-75
  • Identification with the Finnish bank's online banking codes
  • Payment is 1-24 months payment period
  • Single purchase by invoice 20-1000 €, with a fee of 20-5000 €

Read more: www.jousto.com

Mash (ent. Euroloan)

  • For people living in Finland over 20 years of age
  • 10-3000 euros for shopping
  • 3 Month, 6 Months, 9 Months, 12 Months, 18 Months, 24 Months, or 60 Months Payment Time (60 Months Only When You Buy Over € 2000)
  • A key ticket for domestic quality

For more information,  visit www.mash.com

Svea Ekonomi

Invoice (B2C / B2B)

  • For Finnish private individuals and companies
  • Age limit 18 years (B2C)
  • 1-3000 €
  • Also available with the merchant's own brand


  • For Finnish private individuals
  • Age limit 18 years
  • 50-3000 €
  • Maximum credit immediately for your next purchase

Read more: www.svea.com



  • The sum of the product and the additional costs of Ainapay are charged in the telephone bill
  • Payment by calling the payment number
  • One purchase for a maximum of 52,32 € (including VAT), per month purchases up to 100 € (including VAT), shop up to 2 pcs / day

Price for the merchant:

  • Banking and Wide Package 0.35 € / payment transaction
  • Starter package € 0.50 + 2.75% / payment transaction

For more information, visit  www.ainapay.com

Cash on delivery

  • The customer receives the payment information via the bank transfer form
  • The payment will appear in the merchant's system unfinished until we get the bank informed of the payment. The payment delay for the payment is 1-3 business days

Price for the merchant:

  • Banking and Wide Package 0.35 € / payment transaction
  • Starter package € 0.50 + 2.75% / payment transaction


Our Comppany Info

Comppany Name: VM HOSTING
Comppany Number: 2487859-8
EU VAT Number: FI24878598
CEO / Owner: Mela Marko Mikeal
Address: Salmenmantie 28 D 29, 08350 Lohja, Finland
Support email: support@vmhosting.fi
Sale / Billing email: billing@vmhosting.fi
Admin email: admin@vmhosting.fi
CEO / Owner email: marko.mela@vmhosting.fi
Customer Service
Support (Mobile Phone lang: finnish): +358 44 959 5941 (24/7 Phone Support)
(email lang: finnish / english): support@vmhosting.fi (24/7 Email Support)