Terms and conditions
Nämä ehdot ovat saatavilla myös suomeksi.
Lainattu Rauha® · Borrowed Peace
In force from 22 September 2026
1. Seller
Lainattu Rauha Oy
Finnish business ID 3637497-9
Riisintie 23, 95200 Simo, Finland
info@lainatturauha.fi
The company also has the registered parallel company name Borrowed Peace Ltd, under which the products are marketed in English.
2. Scope
These terms apply to digital products and online courses purchased from the Lainattu Rauha Oy online shop. Live training delivered to organisations is agreed separately by quotation and is subject to the standard terms attached to that quotation.
3. Products
The products in the online shop are digital: PDF guides, printable materials and online courses. Nothing is posted to you. The contents, extent and file format of each product are described on its product page.
The products are intended for the buyer's own use and in the daily life of the person they support.
4. Prices
The price shown is the final price. The seller is not registered for VAT due to small-scale business activity (Finnish VAT Act, Section 3), so no VAT is added to the prices. No delivery or handling charges are added, as the products are delivered electronically.
5. Placing an order and formation of the contract
Orders are placed in the online shop. The contract is formed when the order has been paid and the seller has sent an order confirmation to the email address given by the buyer.
The buyer is responsible for giving a correct email address. The download link and the order confirmation are sent to it.
6. Payment methods
The available payment methods are shown at checkout. Card and mobile payments and Klarna are accepted. Payment processing is handled by the payment service provider, which may act as an independent controller in respect of its own obligations.
7. Delivery
The product is delivered as a download link sent to your email immediately after payment. The link is valid for 30 days, after which it can be requested again by contacting us.
The file format is PDF, page size A4. You print the pages yourself or use them on screen. A PDF reader is required to open the file.
Online courses open on the course platform after payment, and the duration of access is stated on the product page.
8. Right of withdrawal
Consumers have the right to withdraw from a distance contract within 14 days of the conclusion of the contract.
Downloadable digital products (PDF guides and printable materials): there is no right of withdrawal if delivery has started with the consumer's express prior consent and the consumer has acknowledged that the right of withdrawal is lost when delivery starts. Consent is requested with a checkbox at checkout and confirmed in the order confirmation.
Membership and online courses: the consumer may withdraw from the contract within 14 days. Detailed terms are in the sections Online Course Terms and Membership.
How to withdraw: fill in the withdrawal form at lainatturauha.fi/en/withdraw. You can also send your withdrawal by email to info@lainatturauha.fi. You will receive a confirmation by email. We refund the payment within 14 days of receiving your withdrawal, using the same payment method you used.
9. Faulty or non-functioning product
The absence of a right of withdrawal does not limit the consumer's statutory rights in respect of a faulty product. If a download does not work or a file is corrupted, contact us and we will resend the product or refund the purchase price.
10. Licence and copyright
The materials are protected by copyright. The buyer may use them in their own work or family and print the copies they need for their own use.
Sharing, reselling, lending or publishing the materials online is not permitted. Use across an organisation, or as material in the buyer's own training, requires a separate written agreement.
M.I.K.S.I.® is a trademark registered in Finland; W.H.I.C.H. is the English-language name of the same framework.
11. Nature and limitations of the materials
The materials are intended for educational and support purposes. They are not a substitute for healthcare, social services, therapy, occupational health services or other professional services, and they do not provide individual diagnosis, treatment, medication, therapy, safety or legal advice.
The materials may address topics such as pain, changes in behaviour, aggression, self-injury, overload, crisis situations, sensory regulation and other demanding situations in everyday life. The content is intended to support recognition, prevention, everyday support and professional reflection. Decisions concerning an individual’s healthcare, treatment, medication, services or safety must always be made by the appropriately qualified professional, authority or other responsible party.
In the event of sudden or significant changes in a person’s health, wellbeing or behaviour, possible physical causes should be appropriately investigated. In situations involving immediate danger or emergency, local emergency and official guidance must always be followed. Organisations must also follow applicable legislation, their own safety procedures, and the individual’s personal care and safety plans.
The materials must not be used as a basis for restricting a person, administering medication, or carrying out any other intervention that requires the assessment or decision of a healthcare professional, authority or other competent party.
12. Customer service and complaints
For anything concerning your order, contact info@lainatturauha.fi. We respond within three working days at the latest.
13. Seller’s right to refuse a sale
The Seller has the right to refuse to accept a new order from an individual customer where there is a justified and legitimate reason to do so. Such reasons may include, for example, unauthorised sharing, copying or publication of the materials, repeated unfounded refund or chargeback claims, misuse of payment methods, or a reasonable suspicion of fraudulent activity.
If such circumstances are identified before the order has been fulfilled or access to the digital content has been provided, the order may be declined and any amount already charged will be refunded in full.
Previous misuse may constitute grounds for refusing future orders. Any refusal must always be based on a legitimate reason and must not be based on any discriminatory ground prohibited by applicable equality legislation or on any other unlawful reason.
14. Refunds
The right of withdrawal for downloadable digital products ends when delivery has started at the buyer's request. The seller may nevertheless grant a refund at its own discretion. Such a refund is a gesture of goodwill, not a customer right, and granting one does not oblige the seller to grant others in similar cases. This does not limit the consumer's statutory rights in cases of defect.
15. Dispute resolution
If a disagreement cannot be settled by negotiation between the parties, a consumer resident in Finland may contact the Finnish Consumer Advisory Services (kuluttajaneuvonta.fi) and may bring the matter before the Consumer Disputes Board (kuluttajariita.fi). The consumer must contact the Consumer Advisory Services before taking the matter to the Board.
A consumer resident in another EU country may contact the European Consumer Centre in their own country.
A consumer resident outside the EU may contact the seller directly. Finnish law applies to the contract as stated in section 14.
16. Applicable law Finnish law applies to this contract.
This does not limit the rights a consumer has under the mandatory legislation of their country of residence.
17. Changes to these terms
The seller may update these terms. The terms in force at the time of ordering apply to that order. The effective date is stated at the beginning of these terms.
© Lainattu Rauha Oy · Business ID 3637497-9 · lainatturauha.com
Terms for online courses
Nämä ehdot ovat saatavilla myös suomeksi.
These terms apply to online courses. In all other respects, the terms above apply.
1. What you are purchasing
You are purchasing a personal right of access to the selected digital online course.
The course may include text, videos, downloadable materials, assignments, quizzes and interactive tools. The exact content, scope and materials included in each course are described on the relevant product page.
Access to the course is provided after payment.
2. Duration of access
The guaranteed access period is 12 months from the date of purchase.
After this period, access may continue without additional charge for as long as the course remains available on the platform, but access beyond the initial 12 months is not guaranteed.
Discontinuing the sale of a course does not shorten an existing purchaser’s guaranteed 12-month access period.
If access to the course must be permanently discontinued before the guaranteed access period has ended, the Seller will primarily seek to restore equivalent access. If this is not possible, the consumer will have the rights to an appropriate remedy provided by applicable consumer protection legislation.
Where possible, at least 30 days’ notice will be given of a planned discontinuation of access. Advance notice may not always be possible in the event of an unexpected technical or other exceptional situation. This does not limit the consumer’s statutory rights.
3. Price
The stated price is final. The Seller is not registered for value added tax (VAT).
4. Right of withdrawal
The consumer may withdraw from the purchase of an online course within 14 days of the conclusion of the contract. The course opens immediately after purchase at the consumer's request. If the consumer withdraws after starting the course, an amount corresponding to the part already used is deducted from the refund. The part is calculated as the number of completed steps in proportion to all steps in the course. If the course has not been started, the payment is refunded in full. Withdrawal is made as described in section 8 of the Terms and Conditions.
5. Scope of the licence
The right of access is personal. Login credentials may not be transferred or shared with another person.
Course content may not be shared, published, resold, made available to third parties or used as internal training material within an organisation without separate permission.
Downloadable or printable materials included in the course may be saved and printed for the purchaser’s own use in accordance with their intended purpose.
For organisational use, please contact: info@lainatturauha.fi
6. If something does not work
If the course or an essential part of it does not function technically, please contact info@lainatturauha.fi.
We aim to respond within three business days and to resolve the issue within a reasonable period of time.
If the defect cannot be corrected, the consumer has the rights provided by applicable consumer protection legislation, including a price reduction or termination of the contract where the relevant legal conditions are met.
7. Nature and limitations of the content
The course is educational and support material. It is not a substitute for healthcare, social services, therapy, occupational health services or other professional services, and it does not provide individual diagnosis, treatment, medication, therapy, safety or legal advice.
The course may address topics such as pain, changes in behaviour, aggression, self-injury, overload, crisis situations, sensory regulation and other demanding situations in everyday life. The content is intended to support recognition, prevention, everyday support and professional reflection.
Decisions concerning an individual’s healthcare, treatment, medication, services, restrictive interventions or safety must always be made by the appropriately qualified professional, authority or other competent party responsible for such decisions.
In the event of sudden or significant changes in a person’s health, wellbeing or behaviour, possible physical causes should be appropriately investigated.
In situations involving immediate danger or emergency, local emergency and official guidance must always be followed. Organisations must also follow applicable legislation, their own safety procedures, and the individual’s personal care and safety plans.
Course materials must not be used as a basis for restricting a person, administering medication, or carrying out any other intervention that requires the assessment or decision of a qualified professional, authority or other competent party.
8. Personal data
The processing of personal data is described in the Privacy Policy available on the website.
9. Governing law and disputes
The contract is governed by Finnish law.
However, this choice of law does not limit any mandatory consumer rights that the consumer may have under the applicable consumer protection legislation of their country of residence.
Any disputes will primarily be resolved between the parties.
Consumers in Finland may contact the Consumer Advisory Services and, after doing so, refer the matter to the Finnish Consumer Disputes Board.
Membership
Price and billing. The membership costs €9.90 per month. The seller is not registered for VAT, so this is the final price. The subscription renews monthly, and payment is taken at the start of each monthly period, counted from the subscription date.
Cancellation. The membership can be cancelled at any time from the member's own account. Access continues until the end of the paid month. Unused time is not refunded.
14-day refund. If a member cancels their first subscription within 14 days, the full payment for the first month is refunded. The full refund applies only to the first subscription. If the same customer subscribes again later and cancels within 14 days, the refund is reduced by the share of the period already used. Withdrawal and refund requests are made with the withdrawal form at lainatturauha.fi/en/withdraw or by email to info@lainatturauha.fi.
Price changes. Members are notified of price changes by email at least 30 days before the change takes effect. Members can cancel their subscription before the change.
Changes to content. The content of the membership may develop over time. Sections may be added, changed or replaced with a comparable benefit.
User account. The membership and user account are personal. Login details may not be shared. Borrowed Peace Ltd may block a user account if the terms of use are broken or the service is misused, for example through repeated subscriptions and refund requests.
Termination by the seller.
Lainattu Rauha Oy may stop offering the membership service. Members are notified by email at least 30 days in advance. After the notice, no new payments are charged, and access continues until the end of the period already paid for.
If the service has to end suddenly, for example because of the owner's illness or death or because the company ceases to operate, charges are stopped and the part of the payment that corresponds to unused time is refunded.
Lainattu Rauha Oy may end an individual membership immediately if the member materially breaches these terms, for example by sharing login details or materials, misusing the service, or behaving inappropriately. In that case the payment for the current period is not refunded.
Member benefits
Member discount. Members receive a discount code that changes every month. The code is valid during that month and can be used once. The discount applies to guides and printable products in the shop. Online courses and trainings are not included. The code may not be shared.
Printables and videos. A new printable is added to the members' area every month. Short videos and other materials are added as they are finished, and their number and topics may vary. The materials may be used in everyday life and at work. They may not be passed on, published or sold.
Materials in the shop. Printables and videos made for members may later also be collected into products sold in the shop or published elsewhere. Older materials may therefore be removed from the members' area over time.
Picture requests. Requests must be appropriate. We consider every request, but we cannot promise to fulfil each one, and we may decline requests we cannot make. Pictures made from requests are published in the free picture bank for everyone to use.
Picture tools
Access. Picture tools are available for the duration of the membership.
Materials you make. Stories and boards made with the tool may be printed and used in everyday life and at work, for example at home, at school, in early childhood education and in residential units. They may not be sold or shared commercially. Picture bank images are covered by the picture bank terms (CC BY-NC 4.0).
Ready-made templates. The templates in the tool are content of Borrowed Peace Ltd. They may be edited and used on the same terms as other materials made with the tool.
Own pictures. Users are responsible for the rights and permissions for the pictures they add.
Saves. Saves are kept in the user's own browser. Borrowed Peace Ltd cannot restore lost saves, for example after browser data has been cleared. We recommend making a backup of important saves.
Development and availability. The tool is developed continuously, and its features may change. We aim to keep the tool available at all times but cannot guarantee uninterrupted operation.
Plus membership
Content.
The Plus membership includes all Membership benefits and the tool The way I am: the person’s information and the printouts made from it, tracking and the monthly summary, and the Starry sky.
Price and billing.
The Plus membership costs €15.90 per month. The seller is not registered for VAT, so this is the final price. The subscription renews monthly, and payment is taken at the start of each monthly period, counted from the date of subscription.
Cancellation, refund and other subscription terms.
The same terms on cancellation, the 14-day refund, price changes, changes to content, the user account and ending the membership apply to the Plus membership as to the Membership.
From Membership to Plus.
If you already have the Membership, you can subscribe to the Plus membership and cancel the Membership from your own account. The subscriptions are separate, so both remain active until you cancel one of them.
Who can subscribe.
The Plus membership can be ordered by a person aged 18 or over. A child or young person can fill in their own information together with an adult.
Use.
The way I am is a tool for families and close supporters. The family can use the tool together with professionals, for example in meetings, and give printouts to the people involved in supporting the person, for example at school, at nursery, in healthcare and in supported living. The recipient uses a printout given by the family in line with their own instructions. A professional in social care, health care or education may use the tool to help pass on information, for example for a summary for a doctor's appointment or for introducing a new staff member, in line with their workplace's data protection guidance. Official records are always made in the workplace's own client information system. Tracking and the Starry sky are made for the family's own use, and the tool is not intended for a unit's ongoing record keeping about its clients.
Printouts and info cards.
Printouts made with the tool may not be sold. The texts of the info cards are copyright content of Borrowed Peace Ltd. You may read and print them for your own use. You may not publish or share them further. The picture bank images are covered by the picture bank terms of use (CC BY-NC 4.0).
Your own photos and information.
The user is responsible for the rights and any permissions needed for the photos they add, and for the accuracy of the information they record. The tool supports everyday information sharing. Assessments, examinations and treatment belong to healthcare and other professionals.
Information security and data protection
Processing of information.
The way I am is an application that runs in the browser. Content recorded in the tool, including photos added by the user, is processed solely in the browser on the user’s own device. The content is not transferred to Borrowed Peace Ltd, to the hosting provider (Netlify) or to any other third party, and it is not stored on a server. The tool has no server interface that receives data, no analytics, no error reporting and no cookies, and it does not use the browser’s persistent storage (localStorage, IndexedDB).
Saving and encryption.
Information is saved as a file (.lrpro) in a location chosen by the user. By default the file is encrypted with a password set by the user, with a minimum length of 8 characters. Encryption uses the browser’s Web Crypto interface: AES-GCM encryption with a 256-bit key derived from the password using PBKDF2-SHA-256 with 310,000 iterations and a 16-byte random salt. Each save uses a new 12-byte initialisation vector. The password is not stored or transmitted anywhere. Borrowed Peace Ltd cannot open an encrypted file or restore a lost file or a forgotten password. The user may choose to save without a password, in which case the file is unencrypted. The default file name is formed from the time of saving, and the person’s name is not added to it.
Temporary storage.
When the browser allows it, unfinished work is kept unencrypted in the browser’s tab-specific temporary storage (sessionStorage) so that it is not lost if the page is reloaded. This storage is cleared when the tab is closed. The Close and clear function immediately removes the tool’s active information and the temporary storage.
Technical safeguards.
The tool is delivered over an encrypted HTTPS connection. The server sets a Content Security Policy that allows only the tool’s own scripts and fonts and the picture bank images, prevents form data from being sent and restricts embedding of the tool to the Borrowed Peace website. Referrer-Policy (no-referrer), X-Content-Type-Options (nosniff) and blocking of search engine indexing are also in use. The tool does not load any external scripts or libraries. The tool opens only on the Borrowed Peace members’ page, and access is limited to Plus members through the website’s membership management.
Network traffic.
The tool fetches only its own application files and picture bank images from the network. Picture requests pass the address of the requested image and standard technical data, such as the IP address, browser information and the time of the request, to the hosting provider. The requests do not contain any content recorded in the tool. The processing of this technical data is described in the privacy notice.
Reviews.
The functioning and information security of the tool have been reviewed in several rounds of code and functional review. These have tested, among other things, encryption, saving and restoring, network traffic and printing. The reviews found no transfer of content recorded by the user to the network. The tool has not been certified.
Matters under the user’s responsibility.
Information security is based on the content remaining on the user’s device. The user is responsible for securing their device (for example screen lock, an up-to-date browser and browser extensions), for choosing and keeping the password, for storing and disposing of saved files, PDF files, images and paper printouts, and for deciding with whom information is shared. Using the tool on a shared or public device is not recommended.
Roles.
Borrowed Peace Ltd does not process the content recorded in the tool and does not act as a processor of personal data in respect of it. Borrowed Peace Ltd is the controller of the member account data and of the technical data related to delivering the tool, as described in the privacy notice.
Relationship to client and patient information systems. The way I am is intended for passing on everyday information. It is not designed for processing client or patient data in social or health care services or for creating or storing client or patient records, and no service provider acts as the controller of the information written in the tool. According to the view given by the Finnish Institute for Health and Welfare (THL) on 22 October 2026, with this intended use the tool is an unclassified system and not an information system within the meaning of the Finnish Act on the Processing of Client Data in Healthcare and Social Welfare (703/2023). Printouts made with the tool are descriptions based on the observations of a close supporter or a professional, which the recipient may use to support their own work. Official records are made in the receiving organisation's own systems in line with its instructions.
Development and availability.
The tool is developed continuously, and its features may change, for example for reasons of information security, legislation or usability. If a change materially weakens the service you subscribed to, members are told in advance and may then end their subscription. We aim to keep the tool available but cannot guarantee uninterrupted operation.
The tool’s own guidance.
The tool’s Terms and guidance page has more detailed guidance on saving and handling information. If it conflicts with these terms, these terms prevail.
Free picture bank
The picture bank images are copyrighted by Borrowed Peace Ltd and may be used under the Creative Commons Attribution-NonCommercial 4.0 licence (CC BY-NC 4.0). The pictures may be used free of charge in everyday life, teaching and work. They may not be sold or used in products that are sold. Full terms are available on the picture bank page.
The picture bank is educational support material. It does not replace healthcare or therapy.