Terms of Service

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

These terms are an agreement between Selvia and the business or person who uses Selvia’s software or professional services (“you”).

Selvia’s software and services are designed for businesses operating in Finland and for people setting up a business here — including a person who has not yet registered a Business ID but is in the process of establishing one. Using Selvia for that purpose does not make you a consumer merely because you do not yet have a Business ID. If you accept these terms on behalf of a business, you confirm that you have the authority to do so.

You must be 18 or older to use Selvia’s software or services, whether for yourself or on behalf of a business.

If you are nonetheless a consumer under Finnish law in a specific case, the mandatory consumer protection rules apply to you, and nothing in these terms limits the rights they give you.

Selvia provides two different things, which are agreed and priced separately:

• Software: Selvia Accounting, a mobile app for receipts, income, sales invoices, VAT and financial reports; and Selvia POS, point-of-sale software used on the web.
• Professional services: Accounting & Tax, Financial Advisory, Business Services and Immigration Services, carried out by the Selvia team.

A Starter or Business Accounting subscription includes the Selvia Accounting app and the normal ongoing bookkeeping and VAT work set out in the Payment Terms. Other professional work — such as year-end, payroll, historical or catch-up bookkeeping and exceptional work — is not included; its scope and price are agreed with you before it starts.

• You are responsible for the sign-in details of your account. Keep them secure, and tell us at once if you suspect someone else has used them.
• You may use the software for your own business. You may not resell it, share access with people outside your business, copy it or try to reverse-engineer it.
• Selvia reviews subscription requests before they are activated, and may ask you to confirm your identity or your right to act for a business.

• Give Selvia complete and accurate information and documents, in time for the work that depends on them.
• Check the information the software or the Selvia team presents to you for confirmation — for example details read from a receipt, figures from an income statement, or an invoice before you submit it.
• Tell us about changes to your business that affect the work, such as a new business form or line of business.
• Use the services lawfully, and only enter data you are entitled to use.

Your business remains responsible for its own statutory obligations — such as accounting, tax returns and tax payments — also when it uses Selvia’s software or services. Selvia is responsible for the work it has agreed to do for you.

When Selvia provides your accounting service, Selvia prepares and files VAT returns for the VAT periods covered by that service, as agreed with you.

VAT periods outside Selvia’s responsibility — for example periods before your Selvia accounting service started — are not filed by Selvia. Figures for those periods may be visible in the app for reference only. Filing or correcting earlier periods is not included automatically; it can be agreed separately.

Sales invoices you create in Selvia Accounting are checked by the Selvia team before they are sent to your customer. Income you upload from a platform or provider statement is recorded as income from that statement, not as a Selvia invoice.

For each professional service, the scope, the work and the price are agreed with you before the work starts. Selvia carries out the agreed work with care and keeps you informed about it.

• Registrations are decided by the authorities that keep the registers, such as the Finnish Patent and Registration Office (PRH) and the Tax Administration. Selvia helps prepare and handle the process but cannot guarantee its outcome or timing.
• Residence-permit and other immigration decisions are made by the Finnish Immigration Service (Migri) and other authorities. Selvia is an independent private business, not an authority, and cannot influence decisions or processing times.
• Financial Advisory is business-finance guidance. It does not include investment advice, securities recommendations or portfolio management, and financing decisions are made by the financier.

Selvia aims to keep the software available and working, but cannot promise uninterrupted or error-free operation. Maintenance, faults and outages at our service providers can cause interruptions.

Subscription support is available by WhatsApp and by email at support@selvia.fi during Selvia’s working hours, and in the Selvia Accounting app’s Support Inbox. We answer as soon as we can; no specific response time is promised, and phone-call support is not offered.

Selvia develops its software and may change its features. If a change would significantly reduce a feature you rely on, we will tell you in advance where reasonably possible.

Subscription prices, VAT, invoicing, renewal and cancellation are set out in the Payment Terms. Professional services and Selvia POS are priced as agreed with you.

• The data and documents you enter or upload remain yours. You allow Selvia to process them to provide the services.
• The software, its design and content belong to Selvia or its licensors. These terms do not transfer them to you.
• Selvia processes personal data as described in the Privacy Policy. When Selvia processes personal data contained in your business’s accounting or professional-service material, it does so to provide the services to you, as a processor under the Data Processing Agreement.

Selvia keeps your business information confidential. We disclose it only as far as providing the services requires — for example to an authority when filing something you have asked us to file, or to the service providers listed in the Privacy Policy — or when the law requires it. Confidentiality continues after the agreement ends.

To the extent permitted by law:

• Selvia’s total liability is limited to the fees you have paid Selvia for the services concerned during the three (3) months before the event that gave rise to the claim.
• Selvia is not liable for indirect or consequential losses, such as loss of profit or business.
• Selvia is not responsible for consequences — such as tax increases or interest imposed by an authority — that result from information or documents you provided late, incompletely or inaccurately.

These limitations do not apply to damage caused intentionally or through gross negligence, or where mandatory law, including consumer protection law, provides otherwise.

How a subscription is cancelled, and what happens to the current billing period, is set out in the Payment Terms. Professional-service engagements end as agreed for each engagement.

Selvia may suspend or end access if you materially breach these terms, leave invoices unpaid or use the services unlawfully.

Before you close your account, you can export your reports from the app. Accounting records that the law requires to be kept are retained as described in the Privacy Policy and on the account deletion page.

These terms are governed by the laws of Finland. We try first to resolve any disagreement by talking it through with you.

If that does not resolve it, disputes are decided by the Helsinki District Court (Helsingin käräjäoikeus), unless mandatory law provides otherwise. A consumer may also take a dispute to the Consumer Disputes Board (kuluttajariitalautakunta).

We may update these terms. We will tell you about significant changes in advance, in the app or by email. The date at the top shows the current version.

Questions about these terms: support@selvia.fi.