Terms of use

Please carefully read these terms of use before accessing Sampo plc's ("Sampo") website ("website") available at www.sampo.com or its subdomains. By accessing the website, the user indicates that they agree with and commit to these terms of use when using the website.

The user is not permitted to use the website unless the terms are accepted.

Availability and content of the website

The website and its content are a service provided by Sampo. The service is provided on an "as it is" basis. This means, among others, that Sampo does not guarantee the website to be available without interruption or errors. In addition, Sampo reserves the right to make changes to the website and limit the access to the site at any time. Sampo is also entitled to limit or terminate its service due to maintenance and updating of the website. Finally, Sampo provides no guarantees regarding the availability, accuracy, reliability or contents of the website.

Sampo's liability

The information provided on the website cannot be regarded in any situation as a suggestion to sell or buy or as a commitment on any service provider's part. The information provided on the website can under no circumstances constitute an offer to buy or sell securities or other financial instruments nor an advice or recommendation to take such an action.

Sampo is not liable for damages, costs, loss of sales, business interruptions or any other direct or indirect damages arising from either the use or inability to use the website or the services offered on the website, even in instances where Sampo has been notified of the possibility of such damage. In case some jurisdictions do not allow exclusion of certain limitations of liability, the liability of Sampo would in any such a case be limited to the greatest extent permitted by the relevant law.

Forward looking statements

The material available on the website also contains estimates regarding the future. Such estimates include for example views regarding economic outlook, the operating environment and capital markets. Expectations, scenarios and forecasts for Sampo and/or Sampo Group also contain estimates regarding the future.

Estimates and expectations for forward looking statements are based on the analysis of information available at the time and facts considered essential regarding the operating environment and the plans of Sampo and/or Sampo Group. They might include incomplete information, human errors, unconscious uncertainty factors and risks related to the nature of the business, which may result in the actual development of the company's performance deviating considerably from the estimate.

The uncertainty factors and risks include;

(1) unexpected changes in the operating environment, such as customer behavior or authority regulation,
(2) general economic conditions, including fluctuations in security prices,
(3) competitive situation, as there can only be public information concerning the competitors' plans,
(4) operative risks in company management, data systems and business,
(5) development of methods used in analysis, and
(6) success of ongoing and future mergers and acquisitions.

Sampo is not responsible for any direct or indirect effects following difference between the estimates and the outcome.

Links to websites offered by a third party

Sampo's website may contain links to sites either owned or managed by third parties. Services provided by third parties may also be included on Sampo's website by using frames. When transferring to such a site, the user must review and accept their terms of use before starting to use the site. When transferring to a linked site, the user must also accept that the site is neither managed by Sampo, nor does Sampo have any control over the content of the material created or published on the site. Sampo neither is responsible for any of the material on sites managed by a third party, nor is responsible for any part of the damages and costs caused by the use of the websites owned or managed by third parties.

The inclusion of a third party link, which is not related to Sampo, on the website of Sampo does not in any way indicate that Sampo takes a stand on the products or services included on these sites.

Functionalities of the website

Some of Sampo's sites offer functionalities, which aim to offer the user a variety of ways of examining the contents of the site using different approaches to presenting information, to create and save material from the site compiled as they wish and to print the pages for their own use.

On the Annual Report sites the user can save individual pages from the site or more extensive sets of material in pdf format and print them. The user must take note that this is an extract from Sampo's site and this kind of extract can in no circumstances be referred to as Sampo's Annual Report.

Immaterial property rights and the right to use the website

The content of the website is protected by immaterial property rights. Sampo reserves all rights to the website and its contents. The reproduction, publication, assignment, modification, distribution or storage of the website content in whole or in parts in any form whatsoever is forbidden without written permission from Sampo, unless otherwise stated on the website. The user is permitted to view the website on a computer or a similar device and print out parts of the website for personal use only.

The use of documents classified as public is permitted for the media if the source of the information is stated and if the documents are published in an appropriate manner. If the user copies or downloads any information from the website, they are also under obligation not to remove or obscure any copyright or other notices contained in such information.

Separate terms of use may be attached to content available on Sampo's website or on websites offered by a third party on behalf of Sampo and those separate terms must be applied in addition to these terms of use.

Applicable law

These terms of use are governed by Finnish law.


In questions relating to these terms and Sampo Group, the user can contact Sampo's Corporate Communications Unit. Feedback and questions may be sent by email to info(at]sampo.fi.