Erikoisehdot

Erikoisehdot are clauses added to the standard terms of a contract that modify, supplement, or restrict the rights and obligations of the parties. They are used to tailor an agreement to a specific customer, product, or situation and can address features such as coverage, exclusions, procedures, fees, or performance requirements.

Common areas where erikoisehdot appear include insurance policies, loan or credit agreements, service contracts, and rental or tenancy agreements. In an insurance context, erikoisehdot may define special coverage limits, deductibles, or exclusions for particular risks. In lending, they may specify repayment terms, collateral, or penalties. In service or rental agreements, they can set service levels, maintenance responsibilities, or restrictions that go beyond the standard terms.

Disclosures and enforceability are important. In consumer contracts, erikoisehdot should be clearly disclosed and presented in a way that the consumer can understand, with explicit assent to the terms. They become legally binding as part of the contract. Finnish and EU consumer protection rules require that terms are not unfair and that essential rights and obligations remain transparent; if erikoisehdot conflict with mandatory rights, they may be challenged or deemed invalid.

In practice, erikoisehdot help parties address specific needs and risks that standard terms cannot cover, while still being subject to general contract law, fair dealing principles, and applicable consumer protection statutes.