Terms and Conditions

Effective Date: 29 January 2025

Company Name: Top Insider Tours Co.

Address: Maaningantie 141, 71750 Maaninka, Finland

Phone: +358653585256

1. Introduction

Welcome to Top Insider Tours Co. By using our website and services, you agree to comply with the following Terms and Conditions. These terms govern your use of our site and services, including bookings, travel planning, and customer interactions.

If you do not agree with any part of these terms, you should refrain from using our website or services.

2. Definitions

Company: Top Insider Tours Co.
Website: Our online platform at [Insert Website URL].
User: Any visitor, customer, or traveler using our website or services.
Services: All travel-related services, including hotel bookings, itinerary planning, and travel assistance.

3. Eligibility for Use

Users must be at least 18 years old to make bookings or enter into agreements with us.
By using our services, you confirm that all information provided is accurate and up to date.
We reserve the right to refuse service to any user at our discretion, especially in cases of fraud, abuse, or violations of these Terms and Conditions.

4. Booking and Payment Terms

4.1. Booking Confirmation

All bookings must be confirmed via email or through our website.
A confirmation email will be sent once your booking is processed.

4.2. Payment Methods

We accept credit/debit cards, bank transfers, and other secure payment options.
Full or partial payment may be required at the time of booking, depending on the package or service chosen.

4.3. Cancellations and Refunds

Customer-Initiated Cancellations

Cancellations must be made in writing via email to [email protected].
Refund eligibility depends on the cancellation policy of each specific service (e.g., hotels, tours).
If a refund is approved, it will be processed within 14 business days.

Company-Initiated Cancellations

If we need to cancel a booking due to unforeseen circumstances, you will receive a full refund or an alternative arrangement.

4.4. Travel Insurance

We strongly recommend purchasing travel insurance to cover unexpected cancellations, delays, or emergencies.

5. Use of Website and Services

5.1. Acceptable Use

You agree to use our website and services in compliance with Finnish and EU laws. Specifically, you must not:

Use the website for fraudulent purposes.
Distribute harmful software or viruses.
Copy, modify, or reproduce website content without permission.
Engage in activities that violate applicable laws.

5.2. Intellectual Property Rights

All website content, including text, images, and design, is owned by Top Insider Tours Co. or licensed to us.
You may not copy, distribute, or use our content for commercial purposes without written permission.

6. Liability and Disclaimers

6.1. General Disclaimer

While we strive to provide accurate and reliable information, Top Insider Tours Co. is not responsible for errors, omissions, or changes in travel conditions.
Travel arrangements are subject to third-party providers (e.g., hotels, airlines). We are not liable for delays, cancellations, or other issues beyond our control.

6.2. Limitation of Liability

Top Insider Tours Co. is not liable for any direct, indirect, or incidental damages resulting from:

Trip cancellations or disruptions.
Personal injury, illness, or loss of property.
Issues arising from third-party services such as hotels or tour operators.

Our total liability is limited to the amount paid by the user for the specific service in question.

6.3. Force Majeure

We are not responsible for travel disruptions caused by unforeseen events, such as:

Natural disasters (e.g., storms, earthquakes).
Government restrictions or border closures.
Strikes or labor disputes.

If your trip is affected by force majeure, we will work with you to find a suitable alternative but do not guarantee refunds.

7. Privacy Policy and Data Protection

Our Privacy Policy governs how we collect, use, and protect your personal data.
By using our services, you consent to data collection as outlined in our Privacy Policy.
You have the right to opt out of marketing communications at any time.

For more details, please review our Privacy Policy.

8. Opt-Out and User Rights

8.1. Opting Out of Communications

You can opt out of receiving promotional emails by clicking "unsubscribe" in our emails or contacting us at [email protected].

8.2. Requesting Data Deletion

Under GDPR, you have the right to request deletion of your personal data by emailing us at [email protected].
Some data may be retained for legal or accounting purposes.

9. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of Finland and the European Union.
Any disputes arising from these terms shall be resolved in the courts of Finland.

If a dispute cannot be resolved informally, we encourage mediation before taking legal action.

10. Force Majeure

Alexcompany LTD shall not be held liable for any delays, disruptions, or cancellations due to unforeseen circumstances beyond our control, including but not limited to:

Natural disasters
Pandemics or government travel restrictions
Strikes, labor disputes, or acts of terrorism
Internet failures or cyberattacks

In such cases, refunds and rescheduling are at the discretion of the respective service providers.

11. Governing Law & Dispute Resolution

These Terms and Conditions are governed by the laws of Finland and the European Union (EU).
In case of any disputes, we encourage users to first contact us directly to seek an amicable resolution.
If a dispute cannot be resolved, it will be handled by the courts of Finland in accordance with Finnish law.

If a dispute cannot be resolved informally, we encourage mediation before taking legal action.

12. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time to reflect changes in legal requirements or business operations. Any updates will be posted on this page with a revised date.

Continued use of our website and services after changes have been made constitutes acceptance of the updated terms.

13. Opt-Out Clause for Terms and Conditions

Opting Out of Services and Communications

Users have the right to opt-out of certain services and communications as follows:

Marketing Communications:

You may unsubscribe from promotional emails at any time by clicking the "Unsubscribe" link provided in our emails or by contacting us at [email protected].

Cookies and Tracking Technologies:

You may manage or disable cookies through your browser settings or via our cookie consent banner on our website.

Personal Data Processing:

If you wish to request the deletion, restriction, or correction of your personal data, please contact us at [email protected].
We will handle your request in compliance with GDPR and applicable Finnish laws.

Third-Party Service Opt-Out:

If you have booked a service via a third party (hotels, travel agencies, tour operators), opt-out requests must be made directly with the respective provider, as their own terms apply.

For any questions or opt-out requests, please contact our support team at [email protected].

14. Contact Information

For any questions about these Terms and Conditions, please contact us:

Company Name: Alexcompany LTD

Address: Katajatie 185, 15560 Nastola, Finland

Email: [email protected]

Phone: +358174644119

By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.