Payment Terms

Provider

Selvia, a private trader (sole trader) (yksityinen elinkeinonharjoittaja)

Business ID

3554334-7

Domicile

Helsinki, Finland

Address

Konalantie 7, 00370 Helsinki, Finland

Email

support@selvia.fi

Subscriptions and services are sold and invoiced by Selvia.

Selvia Accounting subscriptions are sold to businesses: a sole trader (toiminimi) or a limited company (Oy) subscribing for its business activity. The subscription is not offered to consumers.

These terms supplement the Terms of Service; if they conflict on prices, invoicing, renewal, cancellation or payment, these Payment Terms apply. Mandatory provisions of Finnish law apply as the law provides, and nothing in these terms limits them.

Selvia POS is a separate product with its own pricing and is not part of a Selvia Accounting subscription.

Starter

for a sole trader (toiminimi) only

Business

for a limited company (Oy) only

• The plan follows your company’s legal form. You confirm the legal form in the Selvia app and Selvia verifies it before approving the subscription.
• If the plan and the legal form do not match, Selvia does not change the plan or the price on its own. We tell you which plan and price apply, and the subscription is corrected with you before it is activated or renewed.
• If your legal form changes later, the plan that applies changes accordingly. Selvia agrees the new plan and its price with you first; no new price is charged without your knowledge.

Subscription prices per billing period:

Starter — monthly

€30 per month, excluding VAT

Starter — quarterly

€85.50 per 3 months, excluding VAT (5 % discount on three monthly payments)

Starter — annual

€324 per 12 months, excluding VAT (10 % discount on twelve monthly payments)

Business — monthly

€99 per month, excluding VAT

Business — quarterly

€282.15 per 3 months, excluding VAT (5 % discount on three monthly payments)

Business — annual

€1,069.20 per 12 months, excluding VAT (10 % discount on twelve monthly payments)

All prices exclude VAT. VAT is added to each invoice at the rate in force on the invoice date; the general rate is currently 25.5 %. There is no setup or onboarding fee for an Accounting subscription.

• You choose monthly, quarterly or annual billing. Each billing period is invoiced in advance.
• Quarterly billing covers 3 months and annual billing 12 months, at the discounted prices above.
• You can change the billing frequency. The change takes effect from the next billing period that has not yet been invoiced. The running period is not recalculated: there is no proration and no credit invoice for a future change of frequency.

• A first-time Selvia Accounting customer receives the first month free, whatever the age of the business and whether or not it had another accountant before.
• The free month is a month of the actual Selvia Accounting service — including the bookkeeping and VAT work the subscription covers — priced at €0. It starts when Selvia approves and activates the subscription — not when you send the request. The first paid billing period starts when the free month ends.
• The free month is given once per customer and business. Cancelling and subscribing again, or subscribing the same business under another account, does not give another free month.
• If you cancel during the free month, you owe no subscription fee, no paid period follows, and you keep access until the free month ends.
• Historical or catch-up bookkeeping and separately ordered services are charged as agreed even during the free month.

• You request a subscription in the Selvia app under Plan & Billing: you choose the plan and billing frequency, confirm your billing details (business name, Business ID and invoice email) and accept these terms and the Terms of Service.
• The subscription becomes active only when Selvia approves it, and the Selvia Accounting service starts at that moment. Selvia may ask for additional information, or decline a request, before approval.
• The app shows your plan, billing frequency, when the free month ends and when the next billing period starts.

Starter and Business both include the normal ongoing accounting of the business:

• the Selvia Accounting app;
• normal ongoing bookkeeping, with a monthly bookkeeping review by Selvia;
• VAT preparation and review, and VAT filing with the Finnish Tax Administration (Vero) where Selvia handles your VAT filing;
• unlimited normal sales invoices created and sent in the app;
• bank reconciliation and standard accounting reports;
• processing of supported Wolt, Uber Taxi, Uber Eats and Bolt statements;
• normal subscription support by WhatsApp and email during Selvia’s working hours.

There is no fixed cap on normal ongoing documents or transactions and no per-document charge, and a high volume of normal documents does not by itself create an additional charge. “Unlimited” applies to normal sales invoices; it does not mean unlimited professional or accountant work. Year-end work and payroll are not included (see “Separately priced services”).

Materially exceptional professional work is outside the subscription, for example:

• historical or catch-up bookkeeping and reconstruction of incomplete records;
• extensive manual corrections, or substantial repeated correction of inaccurate or incomplete information;
• unusually complex transactions, restructuring and unusual international VAT matters;
• tax audits, corrections of past tax returns and substantial replies to information requests from authorities;
• other substantial accounting or tax work beyond normal ongoing bookkeeping.

Before any separately charged work starts, Selvia contacts you, explains what falls outside the subscription, what work is proposed and its price. The work starts only with your agreement. There are no surprise charges.

These services are never included in Starter or Business. Prices exclude VAT:

Toiminimi annual business tax return

€70 + VAT / year

Oy year-end package: financial statements and corporate income tax return

€200 + VAT / year

Payroll

€10 + VAT / employee / payroll run

Toiminimi formation assistance

€15 + VAT one-off. Selvia’s fee is waived when you take the Selvia Accounting service. Official PRH fees are separate.

Oy formation assistance

€25 + VAT one-off. Official PRH fees are separate.

An additional or off-cycle payroll run is charged at the same price per employee. Official fees of the Finnish Patent and Registration Office (PRH) and other authorities are always separate from Selvia’s fees. Financial Advisory, Immigration Services, PRH/YTJ registration and company-change work, and other separately commissioned services are priced and agreed with you before the work starts.

• Each billing period is invoiced in advance. The first paid invoice is sent before the free month ends.
• Selvia sends invoices by email to the invoice address on your subscription.
• The payment term is 14 days from the invoice date. The due date is shown on the invoice.
• Pay by bank transfer to the account on the invoice, using the invoice’s reference number. Card payments and automatic card billing are not available.
• Separately priced services are invoiced separately with the same payment term.

A subscription continues automatically from one billing period to the next, at the chosen billing frequency, until it is cancelled.

• You can cancel in the Selvia app (Plan & Billing) or by emailing support@selvia.fi. There is no separate notice period.
• Cancelling before a renewal stops that next paid period: if you cancel during the free month, no paid period follows and you keep the service until the free month ends.
• Once a paid billing period has begun, it is payable — even if its invoice has not been sent yet, in which case Selvia sends it. Cancelling then stops the following renewal; it does not make the started period free. You keep the service until that period ends (for quarterly and annual billing, the prepaid period). An unpaid invoice for a period that has not started is cancelled.
• Cancelling part-way through a prepaid quarterly or annual period does not give an ordinary partial refund. This does not affect refunds required by mandatory law or corrective refunds agreed for an error.
• Cancelling a subscription does not delete your accounting records.

• About 7 days after the due date, Selvia sends a payment reminder.
• About 14 days after the due date, Selvia sends a final notice, and the subscription service may then be restricted.
• While the service is restricted, you can still read your existing records and documents, and the app shows how to restore the service. New subscription work is paused, including new accounting uploads, new bookkeeping processing, new sales invoices and VAT filing work. No accounting data is deleted.
• You remain responsible for your statutory filing and tax deadlines while the service is restricted.
• When the overdue payment is confirmed, the service is restored.

Overdue amounts accrue statutory late-payment interest under the Finnish Interest Act (korkolaki). As a business-to-business receivable, Selvia is also entitled to the fixed compensation for collection costs that Finnish law (laki saatavien perinnästä) sets for an overdue commercial debt, in addition to the actual further collection costs permitted by law. Collection follows Finnish law.

• Selvia notifies subscription price changes at least 30 days in advance, by email or in the app.
• A new price applies only from a future billing period named in the notice. A period that has already been invoiced is never re-invoiced at a different price.
• You may cancel before the new price takes effect.

Subscription support is provided by WhatsApp and by email at support@selvia.fi, during Selvia’s working hours. The Support Inbox in the Selvia Accounting app is also available. Phone-call support and fixed response times are not part of the subscription, and the subscription does not include unlimited personal tax consulting. Routine questions are also answered in our help and FAQ pages.

If you believe an invoice is incorrect, contact us at support@selvia.fi before the due date. Selvia corrects its own errors with a corrected invoice or a credit note.