Terms of use

These constitute the terms of use of OP Developer website and OP Developer sandbox. Please read these terms carefully before you use OP-Developer website. By using the site, you indicate that you accept these terms of use. Individual pages on the website may include special service-specific terms to be primarily applied in addition to these terms.

It is important to notice that the content of these pages are aimed at and intended for use in the Finnish markets by service users who are either Finnish or who live in Finland. Finnish legislation shall apply to the content regardless of the country from which the said services are being used.

The sandbox environment is available for registered users for testing purposes, and does not constitute a right to access real customer data without the consent of OP Financial Group.

OP may change these terms of use, the content, layout and availability of the website and the specifications of equipment required for the use of the website or prevent access to the website or close the website without notifying thereof in advance.

Service provider

These web pages are owned and maintained by:

OP Palvelut Oy (Y-tunnus 2241010-7)

PL 909, 00101 Helsinki

Information you provide

The information that you provide in order use OP Developer sandbox must be real and accurate.

Service provider’s liability

This website provides general information on OP and services offered. The content of the OP Developer website and OP Developer sandbox shall be provided without commitment and “as is”.

Any information or functionalities provided on this website might be subject to changes and are not to be considered a binding commitment in implementing or providing services or technical operational details in the services, unless otherwise expressly agreed.

Service provider’s warranty

The service provider makes no warranty as to the service content or the service functionality.

The service provider is not responsible for the functionality of the website or for the operations of external service providers or for the content of the services they provide. The service provider accepts no responsibility for ensuring, and makes no warranty, that these web pages will be uninterrupted or error-free.

The service provider is not liable for any expenses, losses or any other damage or loss that may result from the use of this website or advice or other information given on this website. The service provider accept no liability for any damages or direct, indirect or consequential loss arising from the availability or any use of these web pages, including any harm or defect caused to customers computers as a result of access and use of the server that makes these web pages available.

Service provider’s rights

Unless otherwise indicated the OP Financial services owns all rights, interests and intellectual property rights, functions and related information, including the right to copy, modify, develop, sublicense, sell and disclose such rights to sandbox applications.

Changes and Access to OP Developer and the sandbox

OP Financial Group will retain the right to make changes to the portal, the content included these terms and conditions, and technical requirements for hardware and software to browse these pages without giving advance notice by taking the changed web pages, content or solution into use. OP Financial Group may prevent or terminate your right to access or use OP Developer service or the sandbox environment if deemed necessary.

Terms of use for OP's PSD2 sandbox API

These constitute the terms of use of the Banks of OP Financial Group’s testing facility (“API”) for authorized payment initiation service providers, payment service providers issuing card-based payment instruments and account information service providers (“TPP”), or payment service providers that have applied for the relevant authorization, to test their software and applications used for offering a payment service to users in accordance with EU Commission Delegated Regulation 2018/389 (RTS SCA and CSC under PSD2). OP provides a test API for Finland and a separate API for branches of OP Yrityspankki Oyj in Estonia, Latvia and Lithuania (“Baltic Countries”). These Terms of Use apply to both APIs.

By using the API, you indicate that you accept these terms of use.

Use of the API

The APIs are available for TPPs which have registered as users of the API for testing purposes in accordance with RTS SCA and CSC under PSD2 only and does not constitute a right to access real customer data.

You shall hold secure the API key and password (“Credentials”) needed to use the API and are responsible for all actions initiated with its Credentials. You may not share the Credentials with any third party. Nothing herein contained shall constitute a partnership between or joint venture by the parties hereto or constitute any party the agent of the others.

OP may change these terms of use or the APIs without notifying thereof in advance.

Service provider of the API in Finland

OP Palvelut Oy (”OP”) Y-tunnus 2241010-7 PL 909, 00101 Helsinki

Service Provider of the API for Baltic countries

OP Yrityspankki Oyj (”OP”) Business code 0199920-7 PL 308, 00013 OP

Documentation

OP publishes technical specifications of the API in Finland on website https://op-developer.fi.

For Estonia, Latvia and Lithuania, technical documentation is available at developer.baltics.op-developer.fi.

Availability of the API

OP aims and shall make reasonable effort to ensure that the API is available for testing purposes all the time. However, OP is not liable for any damages connected to the availability or functionality of the API.

Communication

OP shall make all notifications concerning the use of the API on the website https://op-developer.fi or by e-mail to the e-mail address the TPP has registered for the use of the API.

The TPP shall contact OP via email to tpp-support@op.fi.

Support

Support is provided by e-mail: tpp-support@op.fi. OP reads the messages on weekdays (Monday-Friday) and deals with them in order of degree of criticalness and arrival.

For OP's PSD2 sandbox APIs in the Baltic Countries the support channel is op-support@enfuce.com.

Information you provide

The information that you provide in order use the API must be real and accurate.

Service provider’s liability

The API shall be provided without commitment and “as is”. OP is not liable for any loss arising from the use or the availability of the API.

Service provider’s warranty

OP makes no warranty as to the API content or documentation the API functionality. OP accepts no responsibility for ensuring, and makes no warranty, that the API is available uninter-rupted or error-free.

OP's Rights

Unless otherwise indicated OP owns all rights, interests and intellectual property rights, functions and related information, including the right to copy, modify, develop, sublicense, sell and disclose such rights to the API.
OP has a right to restrict the use of the API to prevent malicious or unauthorized use or to ensure the functionality of the API or for a similar justified reason. OP has a right to transfer these Terms of use to a third Party without prior notification to you. You may not transfer your rights or obligations under these Terms.

Applicable law

This Service Agreement shall be governed by and construed in accordance with the laws of Finland, excluding its choice of law provisions.