Malm

Terms of service

The rules for using malmhq.com and Baki evaluations, and what you can expect from us.

BY USING THE SITE YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THEM, DO NOT USE THE SITE.

Malm Wealth Oy, Business ID 3647580-9 Last updated 14 October 2026

1. Scope of application

  1. 1.1These Terms apply to your use of malmhq.com. The Site is provided by Malm Wealth Oy.
  2. 1.2The Site is meant for businesses and for individuals. If you are a Consumer, these Terms do not take away any right that mandatory law gives you.

2. Definitions

  1. 2.1In these Terms, the following words have these meanings:
  • "Malm" means Malm Wealth Oy, Business ID 3647580-9, domicile Espoo, Finland.
  • "Site" means the website malmhq.com and its pages.
  • "Service" means the Site, the Evaluations published on it, and the form for requesting an Evaluation.
  • "Product" means a product, tool or service made or maintained by a Vendor.
  • "Evaluation" means Malm's assessment of a Product, published on the Site under the name Baki.
  • "Vendor" means a person or company that makes, sells or maintains a Product that is the subject of an Evaluation.
  • "User" means anyone who uses the Site.
  • "Consumer" means a User who is an individual acting outside their trade, business or profession.
  • "Content" means all text, data, scores, graphics and software on the Site, including Evaluations.
  • "Terms" means these terms of service.

3. Description of the Service

  1. 3.1The Site publishes Evaluations of Products and information about Malm. You do not need an account, and the Site does not sell anything.
  2. 3.2We try to keep the Service available, but we give no promise that it will be available at any time or free of errors. We may change, suspend or remove any part of the Service at any time.

4. Using the Site

  1. 4.1You may view the Site and its Content for your own use. We give you a limited, non-exclusive, non-transferable licence to do so.
  2. 4.2You must use the Site lawfully. You must not:
  • scrape or otherwise collect Content in a way that harms the Service or its availability
  • reverse engineer, decompile or try to extract the source code of the Site
  • remove or change any notice about ownership or origin of Content
  • try to break, overload or gain unauthorised access to the Site or its systems
  • use the Site to break the law or the rights of others

5. Evaluations

  1. 5.1An Evaluation is Malm's opinion on a date. It is produced by a stated method and reflects the version of the Product that we tested. An Evaluation is not a statement of fact, an endorsement or a certification. Products change, so a result may be out of date.
  2. 5.2You can send us your email address to request an Evaluation. We are not obliged to carry out an Evaluation or to reply. Requests are free of charge unless we agree otherwise with you in writing.
  3. 5.3We may evaluate publicly available Products and publish the results. Product names, logos and trademarks belong to their owners. We use them only to identify the Products. Publishing an Evaluation creates no partnership or endorsement in either direction.
  4. 5.4A Vendor can email hello@malmhq.com to:
  • ask us to correct a factual error
  • ask us to evaluate a new version of a Product again
  • raise a complaint about an Evaluation
  1. 5.5We review such requests in good faith. We correct verified errors within a reasonable time.
  2. 5.6A Vendor may quote the results of an Evaluation accurately, with credit to Malm and the date of the Evaluation. A Vendor must not present an Evaluation as a certification.

6. Privacy and personal data

  1. 6.1Our Privacy policy describes how we handle personal data. Malm is the controller of the personal data that the Site collects.
  2. 6.2The Service does not involve Malm processing personal data on behalf of Users. No data processing agreement is needed for it.

7. Intellectual property

  1. 7.1The Site, its design, the Content and the Evaluation method belong to Malm or its licensors. These Terms do not give you any ownership of them.
  2. 7.2You may share links to the Site. You may quote short parts of the Content with a clear credit to Malm. For any other use, please ask us first.
  3. 7.3If you send us feedback or suggestions, we may use them freely without paying you or crediting you.

8. No financial or professional advice

  1. 8.1Malm does not provide financial, investment or legal advice or services, even though our company name contains the word "Wealth". Nothing on the Site is advice.

9. DISCLAIMERS; NO WARRANTY

  1. 9.1TO THE EXTENT PERMITTED BY MANDATORY LAW, THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE". MALM GIVES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ABOUT ACCURACY, COMPLETENESS, FITNESS FOR A PARTICULAR PURPOSE OR UNINTERRUPTED AVAILABILITY.

10. LIMITATIONS OF LIABILITY

  1. 10.1TO THE EXTENT PERMITTED BY MANDATORY LAW, MALM IS NOT LIABLE FOR ANY INDIRECT OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, REVENUE OR DATA, ARISING FROM THE USE OF THE SERVICE OR FROM RELIANCE ON AN EVALUATION.
  2. 10.2FOR USERS ACTING IN THE COURSE OF BUSINESS, MALM'S TOTAL LIABILITY IS LIMITED TO THE GREATER OF THE FEES THAT THE USER PAID TO MALM IN THE 12 MONTHS BEFORE THE EVENT AND EUR 100.
  3. 10.3NOTHING IN THESE TERMS LIMITS LIABILITY FOR INTENT OR GROSS NEGLIGENCE, FOR DEATH OR PERSONAL INJURY, OR ANY LIABILITY THAT CANNOT BE LIMITED UNDER MANDATORY LAW. NOTHING IN THESE TERMS REDUCES THE MANDATORY RIGHTS OF CONSUMERS.

11. Third-party links and services

  1. 11.1The Site links to other websites and uses services of third parties, such as logos hosted by Vendors. We do not control them and are not responsible for them. Their own terms and policies apply.

12. Amendments

  1. 12.1We may change these Terms. We post the new Terms on the Site and update the date at the top.
  2. 12.2Material changes take effect 30 days after we post them. If you continue to use the Site after that, you accept the new Terms.

13. Miscellaneous

  1. 13.1If a part of these Terms is found invalid or unenforceable, the rest stays in force.
  2. 13.2Malm may assign these Terms to a successor to its business. A User may not assign them without our written consent. This does not limit the rights of Consumers under mandatory law.
  3. 13.3If documents conflict, the order of precedence is: these Terms, then the Privacy policy, then other documentation on the Site.

14. Governing law and dispute resolution

  1. 14.1These Terms are governed by the laws of Finland, excluding its conflict-of-law rules and the United Nations Convention on Contracts for the International Sale of Goods.
  2. 14.2For Users acting in the course of business: disputes are finally settled by arbitration under the Arbitration Rules of the Finland Chamber of Commerce. The seat of arbitration is Helsinki. There is one arbitrator. The language is English.
  3. 14.3For Consumers: the arbitration clause does not apply. A Consumer may bring a claim in the district court of their place of residence in Finland, or as mandatory law otherwise allows.
  4. 14.4A Consumer may also refer a dispute to the Consumer Disputes Board (kuluttajariita.fi) after contacting the Consumer Advisory Services (kkv.fi).

15. Validity and contact

  1. 15.1These Terms are in force from 14 October 2026 until further notice.
  2. 15.2Questions about these Terms, privacy or security:
  • Company: Malm Wealth Oy, a Finnish limited liability company (osakeyhtiö)
  • Business ID: 3647580-9
  • VAT number: FI36475809
  • Registered in the Finnish Trade Register, kept by the Finnish Patent and Registration Office
  • Domicile: Espoo, Finland
  • Email: hello@malmhq.com

16. Other legal documents