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Terms and Conditions of Purchase


Product prices include VAT (23% for purchases made from Åland and Finland, 25% for purchases made from Sweden and all other countries). Shipping and handling costs will be added to the total cost.

Any costs in connection with customs clearance must be paid by the customer.


Orders are shipped by post within one week of GULDVIVA receiving order and payment confirmation.


Jewellery may be returned within 14 days from delivery assuming that it has not been used and is in its original packing.

Methods of payment

Products and their postage are paid in conjunction with the order. The following methods of payment are available for the users of the webstore: Nordea, Osuuspankki, Sampo, Tapiola, Aktia, Nooa, Paikallisosuuspankit, Säästöpankit, Handelsbanken, S-Pankki, Ålandsbanken and credit cards. Online payments for orders from Åland and Finland are made by using the website of Suomen Verkkomaksut Oy. Payments for orders made from Sweden or any other country are made through DIBS Payment solutions. Payments can be made also beforehand by bank credit transfer.

Payments by Visa, Visa Electron or MasterCard, from Åland or Finland

If you would like to pay by Visa, Visa Electron or MasterCard, GULDVIVA Ab will act solely as the marketer of the respective products and services and will provide the products to the buyer. All complaints and claims for compensation will be handled by Suomen Verkkomaksut Oy. With regard to payments made by Visa, Visa Electron or MasterCard, Suomen Verkkomaksut Oy acts as the merchant of the product and the trade transaction takes place between the customer and Suomen Verkkomaksut Oy. The seller is liable to meet all the responsibilities related to the trade. Suomen Verkkomaksut Oy is also the recipient of the payment.

Suomen Verkkomaksut Oy (Finnish Web Payments)
Business ID: FI21228397
Ohjelmakaari 10
Phone: +358 207 181830

Online banks, payments from Åland or Finland

Suomen Verkkomaksut Oy (FI21228397) provides the financial and payment service for online payment in co-operation with Finnish banks and credit institutions. Suomen Verkkomaksut Oy buys the payment and disburses it to the seller. For the customer the service functions like a conventional online payment.

OECD guidelines for consumer protection

Guldviva Ab conforms to the OECD guidelines for consumer protection when purchasing goods over the internet.  You can find a copy of these on the webpages of the Finnish National Board for Consumer Policies. 

OECD Guidelines