Annual Report 2014


1 Terms of use

1.1 Varma e-service – general terms of use

Use of the Varma website requires the user to comply with the following terms and conditions. Please familiarise yourself with them before using the site. The various services may include special conditions that must be applied besides these terms and conditions. Furthermore, services that require an identifier are subject to the relevant contractual terms.

The Varma website and information contained therein is designed to be used in Finland.

1.1.1 Service provider

The main service provider of the site is Varma Mutual Pension Insurance Company. Visiting address: Salmisaarenranta 11, Helsinki. Mailing address: P.O. Box 1, FI-00098 VARMA Telephone number: +358 10 2440

1.1.2 Changes

Varma reserves the right to change the sites terms of use, layout, content, availability and services provided or other properties of the site or to close down the service at any time without advance notification and for any reason. Varma has the right to interrupt the service during maintenance and updating procedures.

1.1.3 Responsibility of the service provider

The information and material presented on this website cannot be considered as a binding offer, solicitation or other commitment of Varma. You can obtain more information on the products and services by contacting Varma.

Every effort has been made to ensure the accuracy of the information on this site. Varma does not accept liability for the accuracy of the content. The information on this site is of a general nature and Varma cannot guarantee its fitness for a particular purpose.

Varma accepts no responsibility for damage, costs or losses arising from the use of this site or from inability to access or use this site or internet-based services or for any loss or damage relating to them. Nor does Varma accept liability for any loss or damage arising from telecommunications failures, computer system errors, harmful programs or data security risks. Varma does not guarantee that the site will function without interruption or error.

1.1.4 Third party information

Varma accepts no liability for material produced by a third party which may be accessed from this site.

1.1.5 User responsibility

The user is responsible for ensuring that the information he or she sends through the site is correct and arrives at the intended destination. The user affirms and is responsible for ensuring that no unlawful or inappropriate material is submitted to the site.

The user shall use all reasonable measures to ensure that submitted material does not contain viruses or other destructive features.

1.1.6 Immaterial rights

Varma reserves the proprietary rights, copyright and other immaterial rights to the website, unless a separate notice has been given. Varma reserves all rights to this site and its contents. The publication, reproduction, transmission or alteration of the website or layout is prohibited without the consent of the immaterial rights holder. This prohibition does not apply to storage on a computer or printing for personal use. The material may be quoted in accordance with the Finnish Copyright Act. In such a case, the source of the material must always be disclosed.

1.1.7 Personal data

Varma processes personal data in accordance with the Personal Data Act and Employees Pensions Act and ensures the protection of privacy in the handling of such data. User data collected in services requiring registration is stored in Varma's person registers. The information is used only for the purposes specified in the register description. Should it be required by a service transaction, Varma will save the messages to secure the content of the message. The Employees Pensions Act limits the disclosure of information in Varma's possession to third parties other than with the consent of the person in question or in cases required by law. Register descriptions in accordance with the Personal Data Act and further information on the protection of personal data is available on our site under “About Varma”.

Varma is entitled to collect, handle and analyse information relating to usage, traffic and transactions on the website and other statistical data relating to the site. Varma may also request this type of information from a reliable third party. It is not possible to identify a person based on this information.

1.1.8 Email

It is not possible to guarantee the confidentiality of e-mail messages transmitted via the internet. Users should avoid sending personal data or other messages of a confidential nature to Varma via e-mail.

At the user’s request, Varma is entitled to transmit information via e-mail to an e-mail address specified by the user. Varma is not liable for any damage arising from messages transmitted through the internet.

Messages transmitted through the internet-based insurance folders maintained by Varma are SSL protected.

1.1.9 Supervising authority

Varma's insurance business is supervised by the Finnish Financial Supervisory Authority (Fiva).
Contact information for Fiva:
The Finnish Financial Supervisory Authority, Snellmaninkatu 6 and Mikonkatu 8, P.O. Box 103, FI-00101 Helsinki, Finland. Tel. +358 10 831 51.

1.1.10 Governing law

These terms and conditions are governed by Finnish law.

1.2 Technical recommendations for the use of

1.2.1 Applicable browser versions

Our service is designed for the latest web browser versions of Chrome, Internet Explorer and Firefox. Not all functions are possible with older browser versions, and the page layout may be less than optimal.

1.2.2 Browser settings

Our web service uses Cookie and JavaScript technology, therefore your browser must allow Cookies and JavaScript. Our website also uses Flash Video, so verify that your browser supports the use of Flash. You can check to see if JavaScript, Cookies and Flash objects are permitted in the Tools option of your browser.

1.2.3 Programs required for using the website

Adobe Acrobat Reader

The Adobe Acrobat Reader is required to view files that are in PDF format. You can download it free of charge on Adobe’s website.


The Flash Player 9 program is required to use the calculators and to view images on Varma's website. You can download it free of charge on Adobe’s website.