HALKO TRADING OY 2976216-4(the "Online Shop") sells products to individuals in Finland. We reserve the right to change the delivery terms and prices. Product prices include VAT.


E-commerce contacts



Puhelin: ark. klo 9-16, 0402592493

Mailing address: Sammonkatu 21 A 13, 33540 Tampere, Finland


How to order


The products to be ordered are selected on the homepage by adding them to the shopping cart. The order will be sent by paying for the contents of the Cart in the checkout function of the Online Store. By placing an order you agree to these terms of delivery, product prices and shipping costs. If an email address is provided at the time of ordering, an order confirmation will be sent by email. The order confirmation shows the products ordered and the price.




It acts as an intermediary for e-commerce Bambora PayForm (Paybyway Oy, y-ID 2486559-4), registered in the Register of Payment Institutions maintained by the Financial Supervisory Authority. Payment will be made through Bambora's online service and Bambora or Paybyway Oy will appear as the payee on the bank statement and invoice. Bambora will forward the payments to the online merchant. Payment is secure because all transaction data is transmitted over an encrypted connection so that no third party can see the transaction data.


A transaction occurs between an e-commerce customer and an e-commerce company. E-commerce is responsible for all trade-related obligations.


Read more about Bambora:


Payment options


PayForm allows you to pay with online bank accounts, wallets, credit / debit cards, invoices or installments. The following payment methods are available: Osuuspankki, Nordea, Danske Bank, Oma Säästöpankki, Säästöpankki, Aktia, Paikallisosuuspankit, S-Pankki, Handelsbanken, Ålandsbanken, MobilePay, Masterpass, Visa, Visa Debit, Visa Electron, MasterCard and Debit MasterCard - cards, as well as Jousto and Mash.


MobilePay: You can pay with your MobilePay wallet if you have allowed online payments for the application settings. Payments made with your MobilePay wallet will be charged to the debit card included in the wallet. If your debit card payment fails, you will not be able to pay with your MobilePay wallet.


Pivo: Terms and conditions are available on the Pivo website:


Jousto: You can pay with Jousto Invoice or Jousto Part Payment in over 4,000 Finnish online shops. With the invoice you get 14 days of payment (invoicing fee 4.90 eur) and with the installment max. 12 month payment period (invoicing fee 4.90 eur and monthly interest 2.42%). For more information on Jousto, visit


Mash: Mash Invoice will receive your ordered products before payment and 45 days interest-free payment. You can also conveniently convert your invoice into a down payment. When paying with a Mash Installment, you can choose the payment period of your choice (3 months, 6 months, 9 months, 12 months, 18 months, 24 months) and receive the ordered products before payment. You can also pay the entire amount at any time at no additional cost. Mash Invoice or Installment Payment can be selected as a form of payment for customers over 20 years of age who are resident in Finland. A payment method is available for purchases of $ 10-10,000. Learn more about Mash at


Mash Finance Corporation shall have the right to verify the credit and address details of a customer paying through a Mash Invoice or Tranche and to grant or deny credit based on them. Mash Finance Corporation (2159120-9) has been a Finnish financial company since 2007.


Contact information for Bambora PayForm


Bambora PayForm, Paybyway Oy (Y-ID 2486559-4)


Phone: +358 29 300 5050 (9 am - 4 pm on weekdays)

Mailing address: Laserkatu 6, 53850 Lappeenranta




Orders are mailed on weekdays. Delivery time from stock is usually 3-5 business days. If the products to be delivered are custom-made, the delivery time is usually 1-3 weeks. Shipping costs will depend on the shipping method selected, any additional services, the weight and size of the order. You will see shipping costs in the cashier of the online store before your order is finally approved.


If the product is lost or damaged during delivery, you must notify the online store immediately, but within 14 days. Packages damaged in delivery must be notified immediately to the company responsible for the delivery.




The e-commerce customer has a 14-day replacement and return right under the Consumer Protection Act. You have the right to exchange or return some or all of the products in your order. Products to be returned or replaced must be in their original packaging and in good condition for sale. If you would like to return or exchange products, please contact our online store first for return instructions. Please include your name, contact information, and account number for possible refunds.


Cancellation of order, liability for liability and complaints


You may cancel your order by written email notice prior to delivery.


The online shop has a statutory liability for the products sold. In case of complaints, please contact our customer service. The consumer shall have the right to bring any dispute before the Consumer Dispute Board.