20.1.2022

Consumer Protection Enters the Digital Age: Digital Content and Services Now Expressly Regulated

At the end of the year, we wrote about amendments to the Consumer Protection Act arising from the EU’s Sale of Goods Directive (2019/771). In addition to transposing of the Sale of Goods Directive, the Consumer Protection Act has now been also been updated for the digital age by transposing the Digital Content and Digital Services Directive (2019/770) (also called the Digital Contracts Directive). These amendments entered into force on 1 January 2022.

Digital Content and Services Now Expressly Accounted for in Consumer Protection Act

The Consumer Protection Act now includes a new Chapter 5a, which includes specific provisions concerning digital content and services. The Consumer Protection Act previously did not expressly regulate digital content and services. In the future, Chapter 5a will include provisions on, among other things, delivering digital content and services, defects in digital content and services and the consequences of such defects, as well as on modification of digital content or services.

Digital content means, for example, computer programs, digital games and electronic books. Digital services mean, for example, cloud services and services such as social media.

It is worth noting that the new Chapter 5a applies not only to the contracts by which consumers commit to pay for digital content or services, but with certain limitations also to contracts by which consumers commit to provide personal data to traders.

Here are some of the key amendments:

New Provisions Seek to Clarify Legal State

Like the Sale of Goods Directive, the new provisions of the Digital Contracts Directive are intended to facilitate the offering and availability of content and services in the EU between Member States. Adding express provisions concerning digital content and services to the Consumer Protection Act also helps clarify the legal state, even though the Consumer Protection Act was already analogically applied to digital content and services as appropriate.

The most significant amendments are definitely the application of the new Chapter 5a to contracts by which consumers provide or commit to provide their personal data in exchange for digital content or services. Previously, the Consumer Protection Act’s provisions on delays and defects were not even analogically applied to such contracts.

Latest references

We acted as legal adviser to Banyan Software on its acquisition of Carus Ferry, a Finland-based provider of reservation, check-in and port operations software for ferry and passenger shipping operators. The acquisition further strengthens Banyan Software’s presence in the Nordic region while providing Carus with a long-term partner to support its continued growth and development. Carus was founded in 1998 and is headquartered in Mariehamn on the Åland Islands, Finland. The company develops mission-critical software for ferry, cruise and passenger shipping operators, covering the full passenger journey from booking and ticketing to capacity management, check-in and boarding. Carus also provides port automation, onboard sales systems and business information tools. The company serves approximately 30 operators across four continents and is the largest vendor by customer count in ferry reservation and departure control. Banyan Software is an acquirer and long-term operator of mission-critical software businesses serving specialised industries. Founded in 2016, Banyan follows a buy-and-hold-for-life approach and supports the long-term growth and development of its portfolio companies. Banyan operates more than 130 portfolio companies across North and South America, the United Kingdom, Europe and APAC. Following the acquisition of Carus, Banyan operates three businesses in the Nordic region.
Case published 20.10.2026
We advised Move Energy as an investor in connection with the combination of 3North Partners Plc and Steady Energy Oy and the related private placement and initial public offering of the combined company on Nasdaq First North Growth Market Finland. In connection with the transaction, 3North Partners received approximately EUR 69.8 million in investor commitments from a group of institutional and other investors, including Move Energy, to fund the combined company. Steady Energy is a Finnish nuclear technology company developing a new generation of small modular reactors (SMRs) particularly suited for district heating. Its LDR-50 reactor is designed to provide cities and utilities with a scalable and low-carbon alternative to combustion-based heat production.
Case published 19.10.2026
We advised Efima Oyj on the sale of its AI business to Better Care Technologies Oy. The transaction included Efima’s Moiva AI platform developed for the care sector, the related technology and brand, customer contracts, and the experts working in the business. Efima is a Finnish digital company that supports the sustainable growth of large and mid-sized companies by streamlining their business processes and by creating competitive advantage through the innovative use of artificial intelligence and data. The company has nearly 200 experts based in Helsinki and Tampere. 
Case published 21.9.2026
We advised Neoen Renewables Finland Oy, part of the French Neoen Group, in its sale of a data centre project to a consortium consisting of international data centre developers and operators. This marked Neoen’s first data centre development project in Finland. Founded in 2008, Neoen is one of the world’s leading independent renewable energy producers. The company operates in 15 countries. It develops, finances, builds, owns, and operates solar power plants, wind farms, and battery storage systems. Neoen Group is owned by global alternative asset manager Brookfield Corporation.
Case published 17.9.2026