Terms of Service

Arkkeo's Terms of Service


The terms of use are applicable to the use of Arkkeo Oy's (Arkkeo) loyal customer benefit service (Service). The terms of use bind you and contain important information on your (User) and Arkkeo's rights and obligations, so we ask you to read them carefully.


“Arkkeo” means Arkkeo Oy, Kutomotie 16, 00380 Helsinki, Finland.


“Service” means the Arkkeo mobile application.


“User” or “you” means a natural person using the Service.


“Merchant” means a retailer or other Arkkeo partner displayed in the Arkkeo mobile application whose loyalty program or other benefits are available to users through the Service.


“Bonuses” or “cash refund” means a cashback.


“Advertiser” means an online store displayed in the Arkkeo mobile application from which the User receives benefits from online store purchases.


“Network” means an affiliate marketing network that acts as an intermediary between the Advertiser and Arkkeo. Advertisers, i.e. online stores that provide the online store benefit, are involved in the Service through an affiliate marketing network.

1. Description of Service


The Service is a mobile application that, once you join, provides you with loyal customer benefits and prizes based on your purchases. The functioning of the service is based on you linking your method of payment to the Service and the Service monitoring your purchasing behaviour and automatically providing you with benefits and prizes when the purchasing behaviour criteria determined by the merchants who have joined the Service are met. Arkkeo also collects data related to your purchasing behaviour and sends it to merchants.

2. Concluding the Agreement


An agreement with Arkkeo on the use of the Service shall be concluded and become effective upon your acceptance of these terms of use at the event of your registration to the Service. In order to register, you must download the Arkkeo application onto your mobile device.

The Service is only for private use. The Service is personal, and Service users may only have one agreement in force at a time.

[Concluding the agreement requires that you are at least [13] years old or at least the age that the legislation of you country of residence does not require you to obtain the consent of your parent or guardian to use the Service.]

3. Responsibility for Correctness of Data


In order to receive loyal customer benefits based on purchases from merchants in the Service, you must link your payment method to the Service. We also need your bank account number for the purpose of paying loyal customer rebates.

You are responsible for ensuring that the data you provide during registration for or use of the Service are correct and up to date. This applies to, for example, payment method data and your bank account number, mobile phone number and email address. Arkkeo is not responsible for the correctness of this data. Arkkeo is entitled to block the use of the Service if the data you provide are incorrect.

4. Bonuses and Payment


Arkkeo receives cash refunds addressed to you from merchants in the Service (Bonuses) and refunds the Bonuses to you in full on the basis of the criteria set by the merchant in the Service on the last day of the calendar month following the month in which they were earned or on the next business day, unless otherwise stated in the Service or the online store’s special terms and conditions.

Arkkeo will pay the accrued Bonuses to you when the amount of the Bonuses has exceeded the refund threshold determined by Arkkeo from time to time, for example, EUR 20. Arkkeo will hold the Bonuses until the sum of the Bonuses has exceeded the refund threshold.

Arkkeo only facilitates the loyal customer programmes of the merchants in the Service and the related Bonuses as part of the Service. Arkkeo is in no way liable for the payment of the merchant's Bonuses you earn if the merchant has not paid the Bonus to Arkkeo. If Arkkeo has acted in accordance with the obligations of these terms of use, all potential disputes and ambiguities concerning the Bonuses, the merchants’ campaigns and corresponding matters are between you and the merchant, and Arkkeo has not obligations or liability related thereto.

In addition, the Service also has online store benefits that come from Advertisers from various affiliate networks. These benefits are usually a standard percentage that is refunded to the User for the value of the purchase made. In most cases, shipping and/or VAT are not included in the purchase price, but this varies depending on Advertiser.

Advertisers and/or Networks will always confirm all purchases separately. Once the purchase has been confirmed, the earned Bonuses will be paid to the User’s account on the last day of the calendar month following the month in which the online purchase was done or on the next business day thereafter. These Bonuses are also subject to the same refund limit of EUR 20 mentioned above.

Each online purchase is confirmed separately by Advertiser and/or Networks and at the same time, it is verified that the User's purchase is genuine, registered, successful and not artificial (i.e. the User has paid the Advertiser for the purchase and the User has received the purchase and the User has not complained and received a refund from the Advertiser about the purchase). In most cases, the Advertisers involved in the Networks will only process purchases after the return period for the purchased products has expired. Time varies depending on Advertiser and can take longer than 30 days. Arkkeo intends to communicate these terms and conditions on each Advertiser's page in the Service, but Arkkeo cannot guarantee that the information is always correct and up to date.

5. Fees for Use of the Service and Other Costs


The Service and the application related to the Service are free of charge.

6. Privacy and Data Protection


By accepting these terms of use when registering for the Service you give your consent for Arkkeo to process personal data in accordance with Arkkeo's Privacy Policy.

7. Data Security


You agree at all times to take all necessary steps to safeguard your username and password, which you use to access the Service. You undertake to be solely responsible for all of the activities taking place through your user account. In the event you become aware of any unauthorised use of your account, you agree to notify Arkkeo of such use without delay.

8. Intellectual Property Rights


All rights to patents (including utility models), design patents, designs (whether or not capable of registration), chip topography rights and other like protection, copyright, trademark and any other form of statutory protection of any kind and any applications for any of the foregoing as well as any trade secrets and know-how (hereinafter collectively Intellectual Property) in and to the Service shall remain the sole property of Arkkeo or a third party.

9. Technical Support


Arkkeo will provide general technical support as regards the use of the Service by email to all end-users of the Service. Arkkeo strives to respond to support requests within 24 hours of the reception of each individual support request or on the next business day, at the latest.

10. Limitation of Liability


Arkkeo provides the Service ‘as is’ without any guarantees. Arkkeo is not liable for the correctness, reliability, errors, deficiencies, inaccuracies or other faults of the data visible or given in or transferred through the Service or for the non-infringement of rights.

Arkkeo does not warrant that the Service would be available at all times nor that it would operate without any interruptions or errors.


Arkkeo is not liable for any direct or indirect damage arising from the use or prevention of use of the Service even if Arkkeo is notified in advance of the possibility of such damage.


The above limitation of liability is applicable unless otherwise required by mandatory legislation.

11. Validity and Termination of the Agreement


This agreement shall remain in force until further notice. You can terminate the agreement at any time without notice by informing Arkkeo of this in writing. Note that the validity of the agreement does not cease when you delete the Arkkeo application from your mobile device. Arkkeo is entitled to terminate the Agreement with immediate effect by notifying you of the termination in writing.

12. Force Majeure


Arkkeo shall be not liable to the other for loss, damage, or delay in work caused by war, riot, the act or order of any competent civil or military authority, strikes, unauthorised work stoppage or by fire, flood or by an impediment beyond its control, which Arkkeo could not have taken into account at the time of the conclusion of the agreement, and whose consequence it could not have reasonably avoided or overcome (hereinafter together Force Majeure Event). Strike, lock-out, boycott and other industrial action shall constitute a Force Majeure Event also when Arkkeo is the target or a party to such an action. A Force Majeure Event suffered by Arkkeo’s subcontractor shall also discharge Arkkeo from liability if the product or service in question cannot be obtained from another source without unreasonable costs or a significant delay. For the avoidance of doubt, one of Arkkeo’s subcontractors unilaterally deciding to cease transmitting data to Arkkeo or interruptions in data transmissions from Arkkeo’s subcontractors for any reason will also constitute a Force Majeure event for Arkkeo.

13. Amendments to the Agreement


Arkkeo is entitled to amend these terms of use by giving notice of the amendments no later than one (1) month before the amendment enters into force. If you cannot accept the amended terms, you are entitled to terminate the agreement. Arkkeo will give notice of amendments to the terms of use by sending an amendment notification to the Arkkeo application. By using the Service once the amendments have entered into force, you agree to comply with the amended terms of use. If you do not agree to the new terms of use, you must stop using the Service.

14. Governing Law and Dispute Resolution


These terms of use are governed by the laws of Finland without regard to its principles on conflict of laws. Any claims arising from or relating to the agreement will be decided by the Helsinki District Court, or in the district court of the Finnish municipality of your domicile or legal place of residence.

15. Right to Receive the Terms of Use During the Validity of the Agreement


You are entitled at any time during the term of this agreement to receive these terms of use in writing or other permanent form from Arkkeo upon request.


These Terms of Service have been updated on April 29, 2020.

16. Contact


For further information, inquiries or assistance you may contact Arkkeo by email to info@arkkeo.com or by post to the following address:


Arkkeo Oy
Kutomotie 16
00380 Helsinki