Agreement for the Sale of Skins

1. Parties

Buyer: Skinsauna Oy, Business ID 3418981-7

Seller: A private individual, who authenticates his or her identity through strong authentication (bank credentials) and accepts these terms.

The Buyer shall not at any time enter into this Agreement with a legal person.

2. Subject Matter of the Agreement

Under this Agreement, the Seller sells to the Buyer virtual items (“skins”) on Valve Corporation’s Steam platform. The Agreement concerns the transfer of skins and the purchase price payable therefor.

These terms shall apply to each individual transaction the Seller conducts through the Buyer’s system.

This Agreement does not create a partnership, agency, or endorsement relationship with Valve Corporation or Steam.

3. Completion of Sale

A sale is deemed concluded once the Buyer has paid the agreed purchase price and the Seller has accepted the sale in the Buyer’s system.

The Seller undertakes to transfer the skin(s) to the Buyer without delay following The Buyer shall pay the purchase price in advance to the Seller’s designated bank account or in another mutually agreed manner.

If payment is made in cryptocurrency, the purchase price shall be determined at the time of payment in euros, based on reliable market data selected by the Buyer (e.g., CoinMarketCap / Binance). Exchange rate fluctuations after the time of payment shall have no effect on the agreed purchase price.

The Seller’s PayPal account or cryptocurrency wallet must be notified in advance during the identification process, and such account or wallet shall remain fixed. No payment shall be made to any account or wallet other than the one so notified.

If, under the terms of this Agreement, the Seller is obliged to refund the purchase price or any other payment to the Buyer, such refund shall always be made in euros. The refund shall be made exclusively to the Finnish bank account designated by the Buyer.

No refund shall be made to a PayPal account, cryptocurrency wallet, or any other payment channel, but only to the bank account referred to in Section 2 above.

A refund shall be deemed completed only once the payment is visible in the Buyer’s bank account.

4. Steam System Cancellation Option

Steam provides either seven (7) or eight (8) day cancellation period, during which a transaction may be reversed. The Seller may, at his or her discretion, cancel the sale during the cancellation period, in which case the Seller undertakes to pay the Buyer the original purchase price, a cancellation fee, and a processing fee.

The cancellation fee shall be twenty percent (20%) of the purchase price, but not less than EUR 50. In addition, a processing fee of EUR 50 shall be charged.

If the Seller cancels the transaction, the refund of the purchase price to the Buyer together with the cancellation and processing fees shall become due and payable within seven (7) days from the Buyer’s written notification (invoice or email).

Upon cancellation, possession and ownership of the skin(s) shall revert to the Seller.

5. Burden of Proof Regarding Transfer of Skins

The Seller bears the burden of proof that the agreed skins were transferred to the Buyer within the Steam system.

In the event of ambiguity or dispute regarding the transfer, the Seller shall provide sufficient evidence of completion of the transfer. Sufficient evidence shall include at minimum the Steam transfer log and transaction identifiers uniquely linking the transfer to the Buyer’s account.

The Buyer shall be entitled to rely on its own system logs as evidence. The Buyer’s system logs and events shall be considered sufficient proof of transfers or lack thereof unless the Seller demonstrates manifest error.

If the Seller fails to prove the transfer, the transaction shall be deemed rescinded, and the Seller shall be obligated to refund the purchase price and pay a contractual penalty.

6. Seller’s Obligation to Refund Payment

When a transaction is cancelled or transfer has not been proven pursuant to Section 5, the Seller’s repayment obligation becomes immediately due. The transaction is deemed cancelled or the transfer lacking immediately upon the Buyer’s notification of identified issues or upon such issues becoming apparent directly from the system (Steam platform).

The Seller acknowledges liability towards the Buyer in the amount of the purchase price paid by the Buyer, together with interest and costs as set forth in Section 7.

Any disruptions, delays, or refund decisions of the payment service (PayPal) or the cryptocurrency network shall not limit the Seller’s obligations under this Agreement regarding refunds, payments, or liability for damages.

This Agreement shall serve as a written promissory note for collection and litigation purposes.

The Buyer shall have the right to assign receivables under this Agreement to a third party (including debt collection agencies, financing companies).

7. Payment Delay, Contractual Penalty, and Costs

If the transaction is rescinded due to reasons attributable to the Seller, the Seller shall be obliged to pay the Buyer a contractual penalty amounting to twenty percent (20%) of the purchase price paid by the Buyer, but not less than EUR 50.

Reasons attributable to the Seller include, inter alia: (i) failure to effect the transfer, (ii) provision of incorrect information, (iii) platform or account usage restrictions caused by the Seller, (iv) failure by the Seller to implement account security or verification measures.

If repayment is not made on time, the Seller shall be obliged to pay:

• Default interest in accordance with the Finnish Interest Act,
• Possible collection costs in accordance with the Debt Collection Act (513/1999),
• In the event of legal proceedings, the Seller shall be obliged to compensate the Buyer’s reasonable legal expenses.

The Buyer shall always be entitled to compensation for direct damages as well as reasonable investigation, collection, and legal costs. Indirect damages shall be compensable if the Seller acted intentionally or with gross negligence.

8. Seller’s Warranties

The Seller warrants that:

• he or she is at least 18 years of age and legally competent,
• he or she resides permanently in COUNTRY,
• he or she has the right to sell the skins,
• the information provided is accurate and complete,
• he or she undertakes to the terms of this Agreement in each individual transaction.

9. Liability for False Information and Fraud

If the Seller provides false or incomplete information (e.g. concerning identity or ownership of skins), the Buyer shall have the right to rescind the Agreement and claim damages.

If the Seller’s conduct constitutes a criminal offence, the Buyer shall have the right to file a criminal complaint.

10. Set-off and Withholding Right

The Buyer shall have the right to set off the Seller’s repayment obligation against any subsequent payment due to the Seller and to withhold payment in respect of new transactions until the outstanding receivable has been settled.

11. Documentation

The Buyer shall store information concerning the completion of the transaction, the Seller’s authentication, acceptance of the contract terms, and the timestamp for potential dispute resolution.

12. Other Limitations

Technical or usage restrictions relating to the third-party platform (Steam) shall not release the Seller from any obligations under this Agreement.

13. Data Authorization

The Seller authorizes the Buyer to obtain and use transaction-related data from third parties (including Valve/Steam and payment service providers) for the purpose of dispute resolution and debt collection. The Seller’s personal data shall be processed in accordance with the privacy policy; data may be disclosed to collection agencies and for legal proceedings.

14. Seller’s Prohibition of Set-off

The Seller shall not be entitled to set off repayment obligations under this Agreement against alleged claims against the Buyer

15. Interpretation, Priority, and Severability

Neither this Agreement nor any specific provision hereof shall be construed to the detriment of the drafting party solely by reason of its authorship.

In the event of conflict between these terms and other guidelines, these terms shall prevail.

If any provision is held invalid, the remaining provisions shall continue in force.

16. Survival of Liability for Damages After Cancellation or Termination

Notwithstanding cancellation or termination of the transaction, rights, obligations, and liabilities of the parties under these terms that by their nature are intended to survive termination (including liability for damages) shall remain in effect.

17. Buyer’s Liability

Claims against the Buyer shall be presented in writing.

The Seller must submit to the Buyer a written notice if he or she identifies an error. Such notice must be submitted as soon as possible, but within 14 days of detection of the damage. If a written itemized claim for damages has not been presented to the Buyer within three (3) months of discovery, no compensation shall be paid.

The Buyer shall under no circumstances be liable for indirect damages.

The Buyer shall not be liable for delays or errors caused by circumstances beyond its reasonable control (force majeure).

18. Governing Law and Dispute Resolution

This Agreement shall be governed by Finnish law. Any disputes or conflicts shall primarily be resolved through negotiation. In case of dispute, the Buyer shall decide, at its sole discretion, whether the matter shall be resolved by arbitration before one to three arbitrators or be submitted to a District Court of the Buyer’s choosing.

19. Acceptance of the Agreement

The Seller accepts this Agreement electronically in connection with each transaction.

By accepting the terms and receiving payment, the Seller undertakes to comply with the provisions of this Agreement.