The Legality of eSignatures in Finland

Documents that can be signed electronically

Simple electronic signatures can be used in Finland in the use cases below:

• HR documents including employment contracts, benefits paperwork and more
• Some real estate documents such as lease agreements, purchase and sales contracts, and other related documents
• Commercial agreements between corporate entities such as NDAs, procurement documents, purchase orders, sales agreements, invoices etc
• Consumer agreements e.g., sales terms, new retail account opening documents, services terms, and order confirmations

For certain types of documents, other electronic signatures may be required, these documents include:

• Prenuptial agreement – QES
• Corporate documents that require the signature of a company representative – AES or QES
• Mortgage application – QES

Documents that may not be electronically signed

In Finland, there are specific use cases that do not permit the use of electronic signatures and require a handwritten signature and formal notarial processes that are not typically compatible with e-signatures or digital transactions. These include:

• Witnesses testament
• Notarisation of real property transfer contracts and deeds 

Types of e-signature permitted in Finland

The eIDAS regulation defines an electronic signature as data in electronic form which is attached or logically associated with other data in electronic form and which is used by the signatory to sign. It distinguishes between three types of e-signature, simple, advanced, and qualified.

• Simple – the most basic form of e-signature that can be in the form of typing your name at the bottom of an email or checking an approval box. There are no specific security or identity verification requirements for a simple e-signature.
• Advanced – this type of signature is uniquely linked to the signer, can accurately identify the signer, is created using data that the signer can be confident is under their sole control and is linked to the data in a way that detects any subsequent changes that are made. Advanced electronic signatures are more secure than simple signatures and are legally binding in most use cases.
• Qualified – this type of signature is similar to advanced but has additional requirements providers must adhere to. They must be certified based on public keys that have been issued using proper technological means. This means that the identity verification process is multi-step, using both encrypted keys and two-factor authentication.

Finland does not have a separate definition for electronic signatures outside of the one established by eIDAS.

Notable legality changes since 2020

None.

Publicly Accessible Links to Laws/Regulations Discussed

• Regulation (EU) No 910/2014
• The Act on Strong Electronic Identification and Electronic Signatures

Disclaimer

The content provided on this website is meant for general informational use only and does not constitute legal advice. Legal regulations on this topic can evolve rapidly, so E-Sign does not ensure that the information presented here is always up-to-date or accurate. If you have particular legal concerns regarding any details on this site, it is recommended that you consult with a licensed attorney in your jurisdiction. 

Last Updated 9th October 2024