Phone contract summary and cooling-off in Finland

The short answer

Before you sign, the operator must give you a free, easy-to-read contract summary on the EU template. If that is technically impossible, you get it right after, and the contract takes effect only once you confirm it (106 b §).

Before you sign, you should get the key terms in writing: price, term, speed and how to leave. In many countries a short contract summary is required, and contracts made online, by phone or at your door usually come with a cooling-off period. The rules for Finland are below.

Official source: finlex.fi · Checked 2026-10-14

📜 The rules in Finland

The details

You can withdraw within 14 days from a contract made online, in the operator's chat or by phone, even after you started using it; you then pay for the use. A shop contract has no withdrawal right unless the operator grants one. (kkv.fi)
Information given before the contract, such as main features, price and duration, becomes part of the contract, and the operator may not change it later without your consent. (kkv.fi)
Mobile subscriptions may be sold to you by phone only if you have expressly asked for it. Your current operator may still offer you its other subscriptions, but you can ban that too. (kkv.fi)

Kilpailu- ja kuluttajavirasto (KKV) – kuluttajaneuvonta

Advice and help in a dispute if your written complaint to the operator brings no result. Phone service usually Monday to Wednesday 10–12 and Thursday 12–14, or use the online form.

📞 09 5110 1200 🔗 kkv.fi

Official source: kkv.fi · Checked 2026-10-14

🪜 Step by step

Ask for the contract summaryRead the price after any discount, the minimum term, the speeds and the conditions for leaving.
Keep everythingSave the summary, the contract and the offer you were shown, with the date.
Know your cooling-off periodIf you signed online, by phone or at your door, check how long you have to change your mind.
Cancel in a way you can proveUse the form or address the provider gives, and keep proof of when you sent it.

📇 Who to contact

Kilpailu- ja kuluttajavirasto (KKV) – kuluttajaneuvontaAdvice and help in a dispute if your written complaint to the operator brings no result. Phone service usually Monday to Wednesday 10–12 and Thursday 12–14, or use the online form.📞 09 5110 1200 🔗 www.kkv.fi/kuluttaja-asiat/kuluttajaneuvonta

KuluttajaliittoIndependent advice for consumersFor advice, template letters and a second opinion🔗 www.kuluttajaliitto.fi

Liikenne- ja viestintävirasto TraficomSupervises phone and internet providers and explains your rightsFor information, and to report a provider that breaks the rules📞 029 5345 610 🔗 www.traficom.fi/fi/puhelin-ja-laajakaista/puhelimen-ja-laajakaistan-kayttajalle

❓ Questions

Does the cooling-off period apply to a contract signed in a shop?

Usually not: it normally covers contracts made online, by phone or away from the shop.

Do I pay for days I already used?

If you asked for the service to start during the cooling-off period, you may have to pay for the days you used.

What if I never got a contract summary?

Tell the provider in writing and ask the regulator what this means for your contract in Finland.

📎 Sources

Checked: 2026-10-14

🧭 Is this still correct?

We check this information carefully, but phone numbers, websites and rules change — and sometimes we get something wrong. Spotted a mistake or a change? Let us know below.

🔗 Also useful

More help in Finland

All other problems: who handles whatWho do I contact?100+ things that go wrong — money, housing, work, safety, health, papers, government — and the one desk in Finland that actually handles each: phone, site, and what to say when they pick up.Before it goes wrongCan I?What is allowed, what is not, which permit you need — with the official source.Recognise it firstIs dit veilig?Check a phone number, website or message against 430,000 scam dossiers.

📝 What must I get before I sign a phone or internet contract in Finland, and can I change my mind?