The information concerning the products or services presented on the website and in the Web Service is a general representation and cannot be construed as a binding offer by the Insurance Company, or as investment advice or any other advice to make a decision concerning an investment or insurance. The Client must carefully familiarise him-/herself with the terms and conditions and brochures pertaining to the products and services, and, if necessary, engage an expert advisor prior to making an individual investment decision or other decision concerning insurance.

Mandatum does not guarantee the reliability or accuracy of the website or the uninterrupted or faultless availability of the website. Mandatum is not liable for any loss resulting from interruptions in the website or online services. The website may contain links to pages owned or maintained by third parties. Mandatum is not liable for any of the material contained on the pages of third-party websites.

The Client independently decides on the selection of investment objects in the unit-linked insurance policy and bears the risk of a depreciation in the value of or loss of the insurance savings. The past performance of investments is no guarantee of future returns. The value of the investment objects may rise or fall and thus the Client may lose the funds he or she has invested in the insurance policy. Neither Mandatum nor its agents are liable for the performance of the investments.

The presented information, estimates and opinions are based on the situation at the time they were presented and are subject to change without separate notice. The use of possible return assumptions is purely indicative and they are not a guarantee of future returns.

The information regarding legislation and taxation is based on Mandatum´s understanding of the current legislation and taxation practices. The information applies only to persons subject to taxation in Finland. Taxation is not part of the insurance policy, and Mandatum is not liable for any impact that changes in legislation or taxation practices may have or for the conformity of individual decisions by the tax authorities with the presented information.

The website and Web Service contain material that is covered by intellectual property rights.  All rights are reserved. 

Further information for policyholders

Data protection and register descriptions
Principle of Fairness
Terms and conditions concerning the Web Service and website