Terms & Conditions

ON-Auto Auction & Platform Terms

Version: 26 October 2026. These terms apply to new transactions made under this version. They do not retrospectively turn an earlier bid or request into a completed sale. Mandatory law always prevails.

1. Operator and contracting parties

ON-Auto Trading Oy, Business ID 3593483-1, Kääpäkatu 10 C 10, 48770 Kotka, Finland. Email: info@onauto1.com. Telephone: +358 45 163 0790.

ON-Auto operates this vehicle auction platform and may also provide purchase assistance. The vehicle seller, the seller’s status as a business or private individual, and ON-Auto’s role must be identified before a binding purchase. ON-Auto is the vehicle seller only where expressly identified as such. Describing ON-Auto as a platform does not exclude any seller, intermediary, agent or service-provider liability imposed by law.

Business-to-consumer (B2C) means a trader sells to a person acting mainly outside their business. Business-to-business (B2B) means a commercial purchase. A private seller selling to a private buyer is a private-to-private transaction. Account labels do not override the transaction’s actual legal nature. A consumer cannot lose mandatory rights just by accepting these terms.

2. Registration, membership and free listings

Provide accurate identity, contact and business details and act only for yourself or an entity you are authorized to represent. Buyer approval and an active €49 membership, valid for 12 months, are required where shown for bidding or immediate purchase. Membership is separate from the vehicle price and purchase charges. Any renewal or recurring payment requires the information and consent shown at checkout; these terms alone do not authorize recurring charges.

Self-service vehicle listing is free. Optional ON-Auto preparation assistance is separately priced at €20 per vehicle where selected in the upload form. No optional paid service is ordered merely by submitting a free listing. The price and service scope must be confirmed before work is ordered.

5. Buy Now — immediate, binding purchase

Where an enabled Buy Now offer is shown, opening the review panel does not buy the vehicle. The buyer must review the vehicle, seller, total price and terms, then use the final button explicitly indicating an obligation to pay.

When the system successfully accepts that confirmation, a binding sale is concluded at the confirmed Buy Now price and the auction ends immediately. The vehicle is marked sold and further bids and purchases are blocked. A stale page, an unavailable vehicle or a rejected submission does not create a successful purchase. If another buyer completes first, the later request is rejected. Sold means a contract has been concluded; it does not mean the price has already been paid or ownership transferred.

6. Total price, service charges and payment

The vehicle bid or Buy Now price and the mandatory €99 ON-Auto purchase service fee must be shown separately before confirmation, with their total. Listing a vehicle for free does not make a buyer’s purchase free. Consumer prices must include applicable taxes; any vehicle-specific VAT or margin treatment must be stated clearly.

Optional transport, registration or export work is not included unless expressly shown. Its price or calculation basis must be agreed before it is ordered. No undisclosed mandatory charge may be added after a consumer has committed. A deposit is an advance payment only where its amount, purpose, allocation and refund conditions were disclosed and agreed; it is not an automatic extra penalty or universally non-refundable charge.

Payment instructions identify the recipient, reference and due date. Do not send funds to changed bank details without verification. Handover, documents and ownership transfer are arranged with the identified seller after payment and subject to applicable law. Agreed deadlines and mandatory delivery rules apply. An invoice or confirmation cannot remove previously agreed rights.

7. Binding purchases and mandatory withdrawal rights

The duty to pay after a successful auction or Buy Now purchase is subject to rights that cannot legally be excluded. For a consumer purchasing a car from a trader entirely through distance selling, the consumer generally has 14 days from receiving the car to withdraw without giving a reason. An online-only auction is not exempt merely because it is called an auction. A genuine public auction at which the consumer can attend physically is a different legal category.

A private-to-private sale or B2B vehicle purchase does not carry the same statutory consumer distance-selling withdrawal right. This does not eliminate remedies for misrepresentation, defects, fraud or other rights under applicable law.

To exercise a statutory withdrawal, use the Withdraw from contract function below or send an unambiguous notice to info@onauto1.com and, where identified, the seller. Give your name, contact details, vehicle or order reference and purchase date. A reason is not required. A notice may be given before delivery. We acknowledge online notices by email and coordinate the matter with the seller without restricting the consumer’s legal position.

When withdrawal applies, goods must generally be returned within 14 days after the notice. The trader generally reimburses payments within 14 days of the notice and may, where permitted, withhold the refund until the goods or evidence of return are received. Return costs fall on the consumer only where this was validly disclosed before purchase, including the required estimate for a car that cannot be returned by ordinary post. Otherwise the statutory allocation applies. Diminished value can be claimed only on legally permitted grounds, not as a fixed withdrawal penalty.

For a distance-sold membership or separate service, the withdrawal period generally begins when the service contract is concluded. Starting services during that period requires the legally necessary express request and information. A proportionate charge for properly requested performance or loss of a withdrawal right after full performance applies only when all legal conditions are met. Merely ticking acceptance of general terms is not a blanket waiver.

8. Condition, defects and complaints

Used cars may have wear and disclosed damage. Review the description, photographs and reports and ask questions or arrange an inspection where possible. A known deviation must be specifically described; where consumer law requires it, it must be expressly and separately accepted. A general “as is”, “no warranty” or “all risk on the buyer” statement does not remove mandatory trader-to-consumer defect liability.

For B2C sales the seller’s statutory responsibility for defects and available remedies remain intact. For private and B2B sales, applicable sale-of-goods rules and valid contract terms determine rights. ON-Auto remains responsible for its own obligations and any intermediary liability imposed by law. Notify the seller of a problem without undue delay and copy info@onauto1.com when platform assistance is needed. A consumer’s statutory complaint periods are not shortened by these terms.

9. External auctions — purchases in ON-Auto’s name

For external auction purchase orders, ON-Auto Trading Oy participates through its own auction account and purchases the vehicle in its own name under the customer’s separately agreed order. The customer does not bid directly through ON-Auto’s external auction account. Sending a vehicle link alone is a request for review, not an order or authority to bid or buy.

Before any bid or purchase, the customer and ON-Auto must confirm in writing the vehicle and source, maximum bid and total budget, auction charges, the separate EUR 99 purchase service fee, payment arrangements, any deposit, transport and the terms for subsequent supply of the vehicle to the customer. ON-Auto acts only within that confirmed order and where the external auction permits the transaction. The EUR 49 annual membership does not itself authorize a purchase or grant the customer direct access to ON-Auto’s external auction accounts.

This procedure concerns external auction orders. Vehicles listed by independent sellers on the ON-Auto platform remain subject to the identified seller and the applicable platform sale rules. The parties and ON-Auto’s role in supplying the vehicle to the customer must be identified in the order and sale documents. Mandatory consumer rights remain unaffected.

10. Non-payment, misuse and technical problems

Absent a statutory right or another valid legal ground, a buyer must perform the concluded purchase. Proven breach may lead to proportionate account restrictions and recovery of losses recoverable under applicable law. No unspecified fine, automatic forfeiture or penalty for exercising a lawful consumer right is imposed by these terms.

ON-Auto may investigate manipulation, fraud or a documented material technical error and take proportionate measures consistent with law. A seller cannot freely cancel an otherwise valid completed sale because a higher price is desired. Reasonable efforts are made to maintain availability, but users should not wait until the final second to submit a bid. Mandatory liability is not excluded.

11. Data, records and changes

Identity, contact, bid, sale and withdrawal records are processed for providing services, performing contracts, preventing abuse and meeting legal duties, as explained in the Privacy Policy. Contract, price and consent records are retained as necessary for those purposes and applicable accounting or legal obligations. No marketing consent is inferred from buying or withdrawing.

These terms may be updated for future transactions with appropriate notice. A later version does not retrospectively change an existing bid, sale or statutory right. Essential transaction terms and the version accepted are recorded, and purchase confirmation is provided by email.

12. Law and resolving disputes

Finnish law applies subject to mandatory protections, including any mandatory protection available to a consumer under applicable cross-border law. Consumers retain their statutory rights concerning competent courts. No exclusive Finnish-court clause removes those rights.

Contact the seller and ON-Auto first. Consumers may seek advice from Finnish Consumer Advisory Services and may refer eligible disputes to the Consumer Disputes Board. Cross-border EU consumer matters may be referred to the European Consumer Centre. The former EU ODR platform is no longer in operation. Business and private disputes may be brought to the competent court under applicable law.

Official guidance: Distance sales of cars · Used goods and seller liability · Withdrawal rights.