Terms of Use – Korko

These terms of use govern the Korko app provided by Cavalier Venues Oy.

Updated 10 November 2026.

1. The app and independence

The Korko app is provided by Cavalier Venues Oy (Cavalier Code, Business ID 3649639-4, VAT ID FI36496394, Helsinki, Finland). The app is used without an account. Korko is an independent calculation app and is not an official service of any bank, the Bank of Finland, the European Central Bank, or the European Money Markets Institute (EMMI). EURIBOR® is a registered trademark of EMMI. By using the app you accept these terms.

2. No financial, investment, or credit advice

The interest rate data, market forecast curves, loan calculations, comparisons, simulations, and message templates presented in the app are general, indicative calculation tools only. They do not constitute investment, financial, tax, or credit advice, nor binding credit offers.

Your actual loan payment, interest fixing period, day-count convention (such as actual/360 or actual/365), bank service fees, and credit terms are always determined by your bank's official promissory note and credit agreement. Always verify official figures with your bank before making financial decisions. Cavalier Venues Oy is not liable for any delays or errors in rate data or for financial decisions made on the basis of the app's calculations.

3. Korkopassi annual subscription

Korkopassi (fi.korko.app.korkopassi.vuosi) is an auto-renewing annual subscription that unlocks the app's additional features. The subscription price (including VAT) is displayed in the purchase sheet before payment. Payment is charged to your Apple ID or Google Play account at confirmation of purchase.

The subscription renews automatically for one year at a time unless auto-renew is turned off at least 24 hours before the end of the current subscription period in your App Store or Google Play account settings. On iOS and iPadOS devices, the subscription supports Apple Family Sharing.

4. Liability and governing law

The app is provided as is, and we are liable for damages only to the extent required by mandatory law. These terms do not limit your statutory consumer rights under the Finnish Consumer Protection Act. These terms are governed by Finnish law.