Electronic commerce and European Network for out-of-court settlement of consumer disputes

G36G31 NFT 1/2001 1. Introduction G54G68G65G20G63G72G65G61G74G69G6FG6EG20G6FG66G20G61G20G73G69G6EG67G6CG65G20G45G75G72G6FG70G65G61G6EG20G6DG61G72G6BG65G74G20G68G61G73 G6EG6FG74G20 G6DG65G74G20 G65G78G70G65G63G74G61G74G69G6FG6EG73G20 G69G6EG20 G66G69G6EG61G6EG63G69G61G6CG20 G73G65G72G76G69G63G65G73G2E G50G72G6FG67G72G65G73G73G20 G68G61G73G20 G62G65G65G6EG20 G70G61G72G74G69G63G75G6CG61G72G6CG79G20 G73G6CG6FG77G20 G69G6EG20 G74G68G65 G72G65G74G61G69G6CG20G69G6EG73G75G72G61G6EG63G65G20G6DG61G72G6BG65G74G2CG20G6FG77G69G6EG67G20G74G6FG20G61G20G6EG75G6DG62G65G72G20G6FG66 G66G61G63G74G6FG72G73G20 G69G64G65G6EG74G69G66G69G65G64G20 G61G73G20 G62G61G72G72G69G65G72G73G20 G74G6FG20 G68G61G72G6DG6FG6EG69G73G65G64 G66G75G6EG63G74G69G6FG6EG69G6EG67G2EG20 G54G68G65G20 G6DG6FG73G74G20 G69G6DG70G6FG72G74G61G6EG74G20 G6CG65G67G61G6CG20 G6FG62G2D G73G74G61G63G6CG65G73G20 G61G72G65G20 G6EG61G74G69G6FG6EG61G6CG20 G74G61G78G20 G6CG65G67G69G73G6CG61G74G69G6FG6EG20 G61G6EG64G20 G63G6FG6EG2D G74G72G61G63G74G20 G6CG61G77G73G2CG20 G77G68G69G63G68G20 G6DG61G6BG65G20 G69G74G20 G69G6DG70G6FG73G73G69G62G6CG65G20 G66G6FG72G20 G69G6EG2D G73G75G72G65G72G73G20G74G6FG20G73G65G6CG6CG20G74G68G65G20G73G61G6DG65G20G70G72G6FG64G75G63G74G20G74G68G72G6FG75G67G68G6FG75G74G20G74G68G65 G45G75G72G6FG70G65G61G6EG20G45G63G6FG6EG6FG6DG69G63G20G41G72G65G61G2EG20G54G68G61G74G20G69G73G20G77G68G79G20G69G6EG73G75G72G2D G61G6EG63G65G20 G63G6FG6DG70G61G6EG69G65G73G20 G68G61G76G65G20 G62G65G65G6EG20 G72G65G6CG75G63G74G61G6EG74G20 G74G6FG20 G73G65G6CG6C G69G6EG73G75G72G61G6EG63G65G20 G74G6FG20G6EG6FG6EG2DG72G65G73G69G64G65G6EG74G73G2E G45G2DG63G6FG6DG6DG65G72G63G65G20 G69G73G20 G61G6EG20 G61G72G65G61G20 G74G68G61G74G20 G6FG66G66G65G72G73G20 G6EG65G77 G6FG70G70G6FG72G74G75G6EG69G74G69G65G73G20 G61G6CG73G6FG20 G66G6FG72G20 G66G69G6EG61G6EG63G69G61G6CG20 G73G65G72G76G69G63G65G73G20 G74G6F G64G65G76G65G6CG6FG70G20G61G63G72G6FG73G73G20G62G6FG72G64G65G72G73G2EG20G54G68G65G72G65G66G6FG72G65G20G69G74G20G69G73G20G75G6EG64G65G72G2D G73G74G61G6EG64G61G62G6CG65G20G74G68G61G74G20G69G6EG20G6FG72G64G65G72G20G74G6FG20G68G61G72G6EG65G73G73G20G74G68G65G20G62G65G6EG65G66G69G74G73 G6FG66G20 G65G2DG63G6FG6DG6DG65G72G63G65G20 G61G6EG64G20 G65G6EG63G6FG75G72G61G67G65G20 G73G75G70G70G6CG79G20 G61G6EG64 G64G65G6DG61G6EG64G20G66G6FG72G20G6FG6EG2DG6CG69G6EG65G20G66G69G6EG61G6EG63G69G61G6CG20G73G65G72G76G69G63G65G73G20G77G69G74G68G69G6E G74G68G65G20 G45G75G72G6FG70G65G61G6EG20 G43G6FG6DG6DG75G6EG69G74G79G2CG20 G75G72G67G65G6EG74G20 G61G63G74G69G6FG6EG20 G69G73 G63G61G6CG6CG65G64G20G66G6FG72G2EG20G54G68G65G20G45G75G72G6FG70G65G61G6EG20G43G6FG6DG6DG69G73G73G69G6FG6EG20G69G73G20G65G78G2D G70G65G63G74G65G64G20 G74G6FG20 G62G72G69G6EG67G20 G66G6FG72G77G61G72G64G20 G61G20 G43G6FG6DG6DG75G6EG69G63G61G74G69G6FG6EG2F G47G72G65G65G6EG20G50G61G70G65G72G20G6FG6EG20G66G69G6EG61G6EG63G69G61G6CG20G73G65G72G76G69G63G65G73G20G61G6EG64G20G65G2DG63G6FG6DG2D G6DG65G72G63G65G20G69G6EG20G46G65G62G72G75G61G72G79G20G32G30G30G31G2EG20G4FG6EG65G20G6BG65G79G20G69G73G73G75G65G20G69G6EG20G74G68G69G73 G43G6FG6DG6DG75G6EG69G63G61G74G69G6FG6EG2FG47G72G65G65G6EG20 G50G61G70G65G72G20 G61G6EG64G20 G69G6EG20 G74G68G65G20 G64G65G2D G62G61G74G65G20G74G68G61G74G20G69G74G20G77G69G6CG6CG20G74G72G69G67G67G65G72G20G69G73G20G67G6FG69G6EG67G20G74G6FG20G62G65G20G77G68G65G74G68G65G72 G74G68G65G20G65G78G69G73G74G69G6EG67G20G72G75G6CG65G73G20G6FG6EG20G74G68G65G20G6CG61G77G20G61G70G70G6CG69G63G61G62G6CG65G20G73G68G6FG75G6CG64 G62G65G20G61G6DG65G6EG64G65G64G2E Electronic commerce and European Network for out-of-court settlement of consumer disputes 2. Application of home or host country rules G49G74G20G68G61G73G20G62G65G65G6EG20G73G75G67G67G65G73G74G65G64G2CG20G66G6FG72G20G65G78G61G6DG70G6CG65G20G62G79G20G74G68G65G20G55G4B G47G6FG76G65G72G6EG6DG65G6EG74G20G28G43G6FG6DG70G6CG65G74G69G6EG67G20G61G20G44G79G6EG61G6DG69G63G20G53G69G6EG67G6CG65 G45G75G72G6FG70G65G61G6EG20 G46G69G6EG61G6EG63G69G61G6CG20 G53G65G72G76G69G63G65G73G20 G4DG61G72G6BG65G74G3BG20 G48G4D G54G72G65G61G73G75G72G79G3BG20G4AG75G6CG79G20G32G30G30G30G29G20G61G6EG64G20G74G68G65G20G42G72G69G74G69G73G68G20G66G69G6EG61G6EG63G69G61G6C G73G65G72G76G69G63G65G73G20 G69G6EG64G75G73G74G72G79G2CG20 G74G68G61G74G20 G69G6EG20 G6FG72G64G65G72G20 G74G6FG20 G66G61G63G69G6CG69G74G61G74G65 G63G72G6FG73G73G2DG62G6FG72G64G65G72G20G74G72G61G64G65G20G61G6EG64G20G6DG61G6BG65G20G74G68G65G20G73G69G6EG67G6CG65G20G69G6EG73G75G72G2D G61G6EG63G65G20 G6DG61G72G6BG65G74G20 G61G20 G72G65G61G6CG69G74G79G2CG20 G74G68G65G20 G72G75G6CG65G73G20 G6FG66G20 G74G68G65G20 G69G6EG73G75G72G2D 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G63G6FG75G6EG74G72G79G20G61G6EG64G20G6EG6FG74G20G74G68G65G20G6CG61G77G20G6FG66G20G74G68G65G20G63G6FG6EG73G75G6DG65G72G92G73 G63G6FG75G6EG74G72G79G20 G28G68G6FG73G74G20 G63G6FG75G6EG74G72G79G29G20 G61G73G20 G69G74G20 G6DG6FG73G74G20 G6FG66G74G65G6EG20 G69G73 G74G6FG64G61G79G2E Same rules for all distribution channels G57G65G20G77G6FG75G6CG64G20G6CG69G6BG65G20G74G6FG20G73G65G65G20G74G68G65G20G69G73G73G75G65G20G6FG66G20G68G6FG6DG65G20G6FG72G20G68G6FG73G74 G63G6FG75G6EG74G72G79G20G72G75G6CG65G20G64G69G73G63G75G73G73G65G64G20G6FG6EG20G61G20G67G65G6EG65G72G61G6CG20G6CG65G76G65G6CG20G61G6EG64 G6EG6FG74G20 G6FG6EG6CG79G20 G69G6EG20 G74G68G65G20 G63G6FG6EG74G65G78G74G20 G6FG66G20 G65G2DG63G6FG6DG6DG65G72G63G65G2EG20 G49G74G20 G69G73 G74G72G75G65G20G74G68G61G74G20G65G2DG63G6FG6DG6DG65G72G63G65G20G63G72G65G61G74G65G73G20G61G20G6EG65G77G20G65G6EG76G69G72G6FG6EG2D G6DG65G6EG74G20 G69G6EG20 G77G68G69G63G68G20 G69G6EG73G75G72G61G6EG63G65G20 G70G72G6FG64G75G63G74G73G20 G63G61G6EG20 G62G65 Irene Luukkonen, ManagerFinnish Insurance Ombudsman Bureau & Lea Mäntyniemi, Senior Manager, Single Market and Legal Affairs, Federation of Finnish Insurance Companies G36G32 G61G64G76G65G72G74G69G73G65G64G2CG20 G73G6FG6CG64G20 G61G6EG64G20 G64G65G6CG69G76G65G72G65G64G20 G6DG6FG72G65G20 G65G66G66G65G63G2D G74G69G76G65G6CG79G20 G61G6CG73G6FG20 G6FG6EG20 G61G20 G63G72G6FG73G73G2DG62G6FG72G64G65G72G20 G62G61G73G69G73G2CG20 G62G75G74G20 G74G68G65 G69G6EG74G65G72G6EG65G74G20G69G73G20G61G20G64G69G73G74G72G69G62G75G74G69G6FG6EG20G6DG65G64G69G75G6DG20G61G6DG6FG6EG67G20G6FG74G68G65G72 G6DG65G64G69G75G6DG73G2EG20 G49G74G20 G63G61G6EG20 G62G65G20 G75G73G65G64G20 G62G79G20 G69G6EG73G75G72G65G72G73G20 G61G6EG64 G69G6EG74G65G72G6DG65G64G69G61G72G69G65G73G20 G61G73G20 G6EG6FG74G20 G6FG6EG6CG79G20 G61G6EG20 G61G6CG74G65G72G6EG61G74G69G76G65G20 G62G75G74 G61G6CG73G6FG20G61G20G63G6FG6DG70G6CG65G6DG65G6EG74G61G72G79G20G74G6FG20G65G78G69G73G74G69G6EG67G20G63G68G61G6EG6EG65G6CG73G2EG20G45G2D 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