Terms of Service

1. Acceptance

By accessing finkeeper.fi, submitting forms, creating an account (when available), or using our software and related services (together, the "Service"), you agree to these Terms. If you do not agree, do not use the Service.

2. Description of the Service

FinKeeper provides cloud-based tools intended to help Finnish freelancers, sole traders (toiminimi), and small businesses with tasks such as income tracking, invoicing, expense management, and reporting relevant to VAT and bookkeeping. The Service is a support tool; it does not replace professional accounting, tax, or legal advice, or your own obligations toward the Finnish Tax Administration (Verohallinto), OmaVero, or other authorities.

3. Eligibility and accounts

You must be at least 18 years old and have authority to bind yourself or your business. You agree to provide accurate information (including, where requested, your Y-tunnus, business name, and contact details) and to keep it up to date. You are responsible for safeguarding login credentials and for all activity under your account.

4. Plans, fees, and payment

We may offer free and paid subscription tiers as described on our website. Fees, billing cycles, and taxes (including Finnish VAT where applicable) will be stated at purchase or in your order confirmation. Unless otherwise agreed, fees are non-refundable except where mandatory Finnish or EU consumer law requires otherwise. We may change prices with reasonable notice; continued use after the effective date may constitute acceptance where permitted by law.

5. Acceptable use

You agree not to:

• Use the Service unlawfully or in a way that infringes others' rights
• Attempt to gain unauthorised access to our systems, other users' data, or third-party networks
• Upload malware, overload infrastructure, or interfere with the Service's integrity or security
• Use the Service to transmit fraudulent, defamatory, or illegal content
• Resell or scrape the Service without our written consent

We may suspend or terminate access if we reasonably believe you have breached this section or these Terms.

6. Your data and content

You retain ownership of business and personal data you submit. You grant us a licence to host, process, back up, and display that data solely to provide and improve the Service, in line with our Privacy Policy. You represent that you have the right to provide the data you upload and that doing so complies with applicable law (including bookkeeping and tax rules in Finland).

7. Intellectual property

FinKeeper, its branding, software, documentation, and website content are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable right to use the Service for your internal business purposes during your subscription. You may not copy, modify, reverse engineer, or create derivative works of our software except where mandatory law allows.

8. Availability and changes

We aim to provide reliable service but do not guarantee uninterrupted or error-free operation. We may modify features, perform maintenance, or discontinue parts of the Service with reasonable notice where practicable. Material adverse changes to paid services may entitle you to remedies under applicable law.

9. Disclaimers

The Service is provided "as is" and "as available" to the extent permitted by Finnish law. We disclaim warranties not expressly stated here, including implied warranties of fitness for a particular purpose, except where such exclusion is void under mandatory consumer protection rules (e.g. the Finnish Consumer Protection Act, kuluttajansuojalaki).

10. Limitation of liability

To the fullest extent permitted by applicable law, we are not liable for indirect, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use of the Service. Our aggregate liability for damages arising out of these Terms or the Service in any twelve-month period is limited to the fees you paid us for the Service in that period (or, if none, EUR 100), except where liability cannot be limited under Finnish law—including death or personal injury caused by negligence, fraud, or other categories that cannot legally be excluded for consumers.

11. Indemnity

You will defend and indemnify us against third-party claims arising from your misuse of the Service, your content, or your breach of these Terms, except to the extent caused by our wilful misconduct or gross negligence.

12. Term and termination

These Terms apply from your first use of the Service until terminated. You may stop using the Service at any time. We may suspend or terminate your access for breach, legal requirement, or extended inactivity, subject to mandatory notice periods for consumers where applicable. Provisions that by nature should survive (e.g. liability limits where valid, IP, governing law) will survive termination.

13. Governing law and disputes

These Terms are governed by the laws of Finland, without regard to conflict-of-law rules that would refer to another jurisdiction.

If you are a consumer resident in Finland or the EU, you also benefit from mandatory protections of your country of residence. You may bring proceedings in the courts of your place of residence or in Finland. For consumer disputes, you may contact the Finnish Consumer Disputes Board (Kuluttajariitalautakunta) or use the EU ODR platform where applicable.

If you are a business customer, exclusive venue may be the courts of Helsinki, Finland, unless mandatory law provides otherwise.

14. Miscellaneous

If any provision is invalid, the remainder stays in effect. Failure to enforce a right is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Notices may be sent to the email associated with your account or to hello@finkeeper.fi.

15. Contact

Questions about these Terms: hello@finkeeper.fi