Legal Notice

Last updated: July 2026

This Legal Notice is published in accordance with the Finnish Act on the Provision of Information Society Services (laki tietoyhteiskunnan palvelujen tarjoamisesta, 458/2002) and Article 13 of the EU General Data Protection Regulation.

Service Provider

  • Trading name: Money Journey
  • Registered company: JBK Consulting Oy (Money Journey is a registered auxiliary business name of JBK Consulting Oy)
  • Business ID (Y-tunnus): 3141980-8
  • Registered office: Finland
  • Contact: coach@money-journey.com

Service

Money Journey operates the website at money-journey.com and the Money Journey application, a personal finance tracking and gamification tool. Money Journey is a registered auxiliary business name of JBK Consulting Oy (business ID 3141980-8). The Service is offered globally; the operator is established in Finland.

Responsible Person

For questions about the content of this Service, the responsible person is the appointed managing officer of JBK Consulting Oy, reachable at the contact addresses above.

Supervisory Authorities

The following authorities supervise different aspects of our operations:

  • Data protection: Office of the Data Protection Ombudsman of Finland (Tietosuojavaltuutetun toimisto), tietosuoja.fi
  • Electronic communications and cookies: Finnish Transport and Communications Agency (Traficom), traficom.fi
  • Consumer protection: Finnish Competition and Consumer Authority (Kilpailu- ja kuluttajavirasto, KKV), kkv.fi
  • Consumer disputes: Finnish Consumer Disputes Board (Kuluttajariitalautakunta), kuluttajariita.fi

EU Online Dispute Resolution

The European Commission provides an online dispute resolution platform at ec.europa.eu/consumers/odr. We are not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board.

VAT

Where applicable, value-added tax is added to prices in accordance with Finnish and EU VAT rules. JBK Consulting Oy's VAT status and VAT number are available from the Finnish Tax Administration's public business information service at ytj.fi using the business ID above.

Intellectual Property

All content of the Service — including text, graphics, logos, illustrations, interface design, and the source code of the application — is owned by JBK Consulting Oy or its licensors and is protected by copyright, trade mark, and other intellectual property rights. "Money Journey" is a registered auxiliary business name of JBK Consulting Oy, and the name and related branding are trade marks of JBK Consulting Oy.

Liability for External Links

The Service may contain links to external websites operated by third parties. We have no influence over the content of those sites and accept no responsibility for it. The operators of the linked sites are solely responsible for their content.