Hi, sounds like two separate things: your public IP is being geolocated to Finland (so sites think you’re overseas), and your PC isn’t reporting to your Microsoft account.
Quick fixes, in order: turn off any VPN/WARP/Opera VPN/antivirus “secure VPN” and remove VPN browser extensions; in Settings > Network & Internet > VPN/Proxy make sure nothing’s active. Check your public IP’s country (search “what is my IP”); if it says Finland, reboot modem/router to get a new IP; if it stays Finnish, try a phone hotspot—if the site works there, call your ISP and ask for a different IP or a geolocation fix. On Windows: Settings > Privacy & security > Location → turn Location services ON, clear location history; in Time & language > Language & region set Country = Australia; in your browser, allow location for Google/your sites and clear site permissions. For Microsoft account device: make sure you’re signed in with the same account (Settings > Accounts), turn on Find my device (Settings > Privacy & security), then visit account.microsoft.com/devices; battery “0%/month ago” means it hasn’t checked in, sign out/in and leave the laptop online a bit. For the health fund, test via hotspot; if that works, it’s 100% the IP/geolocation, stick with hotspot temporarily or push your ISP to fix/replace the IP.