Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the FinnAccountingsplatform, website, applications, APIs, and related services (collectively, the “Service”) operated by FinnAccountings Pvt Ltd(“FinnAccountings”, “we”, “us”, or “our”), which trades under the FinnAccountings brand and is registered under Laxmi Consultings Pvt Ltd.

By creating an account, starting a free trial, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

The Service is designed for self-employed individuals, freelancers, contractors, sole traders, and small businesses in Ireland and the United Kingdom. Certain features may only be available in specific jurisdictions.

• Account — your registered user profile and associated organisation workspace on the Service.
• Customer Data — financial records, transactions, documents, payroll information, and other data you or your users submit to the Service.
• AI Features — automated categorisation, forecasting, tax estimates, recommendations, chat, and other machine-learning powered functionality.
• Subscription — a paid plan (Starter, Professional, Business, or other plans we offer) billed on a recurring basis unless cancelled.
• Open Banking Data — account information retrieved via regulated open banking providers with your explicit consent.

You must be at least 18 years old and have the legal capacity to enter into a binding contract. If you register on behalf of a business, you represent that you have authority to bind that business to these Terms.

You agree to:

• Provide accurate, complete, and current registration information;
• Maintain the security of your login credentials and notify us of unauthorised access;
• Ensure all users under your Account comply with these Terms;
• Use the Service only for lawful business purposes.

We may suspend or terminate Accounts that contain false information, pose a security risk, or violate these Terms.

FinnAccountings provides cloud-based software for bookkeeping, tax estimation, VAT preparation support, payroll administration, compliance tracking, document processing, and AI-assisted financial insights.

The Service may include:

• Bank feed aggregation via Open Banking partners;
• Receipt and invoice OCR and extraction;
• AI agents for bookkeeping, tax, VAT, payroll, compliance, CFO, and growth analysis;
• Dashboards, reports, calculators, and notifications;
• Integrations with third-party services where enabled.

We may modify, add, or remove features at any time. Where a change materially reduces core functionality of a paid plan, we will provide reasonable notice.

The Service does not constitute accounting, tax, legal, financial, or investment advice. AI-generated outputs — including tax estimates, VAT calculations, cashflow forecasts, and recommendations — are provided for informational and planning purposes only.

You remain solely responsible for verifying all figures, meeting filing deadlines, and complying with Revenue (Ireland), HMRC (United Kingdom), Companies Registration Office, and other applicable regulators. You should consult a qualified accountant or tax adviser before making decisions based on the Service.

We do not guarantee that use of the Service will result in tax savings, penalty avoidance, or regulatory approval of any filing.

Paid Subscriptions are billed in advance on a monthly or annual basis via our payment processor (Stripe). Prices are displayed in euros unless otherwise stated and exclude applicable taxes, which will be added where required.

1. Free trials — We may offer time-limited trials. At the end of a trial, you must subscribe to continue access unless we agree otherwise in writing.
2. Renewal — Subscriptions renew automatically until cancelled. You authorise us to charge your payment method on each billing date.
3. Cancellation — You may cancel at any time through your Account settings. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial periods except where required by law.
4. Price changes — We may change pricing with at least 30 days notice. Continued use after the effective date constitutes acceptance.
5. Failed payments — We may suspend access if payment fails and is not remedied within a reasonable grace period.

You retain ownership of Customer Data. You grant us a limited licence to host, process, transmit, and display Customer Data solely to provide and improve the Service, comply with law, and as described in our Privacy Policy.

You are responsible for:

• The accuracy and completeness of Customer Data you upload or connect;
• Obtaining necessary consents from employees and third parties;
• Maintaining backups of critical records where required by law;
• Ensuring your use complies with applicable financial, tax, and employment regulations.

You must not upload unlawful, infringing, or malicious content, or use the Service to facilitate fraud, money laundering, or sanctions evasion.

Where you connect a bank account, you authorise our regulated Open Banking partner to access read-only account information on your behalf. Access is governed by the partner's terms and your bank's consent flow.

You may revoke consent at any time through your bank or Account settings. Revocation may limit Service functionality. We are not responsible for delays, errors, or unavailability caused by banks or aggregation providers.

AI Features may produce inaccurate, incomplete, or outdated outputs. You must review all AI-generated categorisations, tax estimates, payroll calculations, and recommendations before relying on them.

We may use third-party AI providers to process prompts and Customer Data. Processing is subject to contractual safeguards described in our Privacy Policy. We do not use your Customer Data to train public foundation models without your explicit consent.

You must not use AI Features to generate misleading financial statements, evade regulatory obligations, or input special category personal data unless strictly necessary and lawful.

The Service, including software, design, trademarks, documentation, and AI models developed by us, is owned by FinnAccountings Pvt Ltd or its licensors. Except for the limited rights expressly granted, no licence is transferred to you.

You may not copy, modify, reverse engineer, resell, or create derivative works of the Service except as permitted by applicable law or with our written consent.

Feedback you provide may be used by us without restriction or compensation.

We implement administrative, technical, and organisational measures designed to protect Customer Data, including encryption in transit and at rest, access controls, and audit logging. Details are available on our Security page.

Each party agrees to protect the other's confidential information and use it only for purposes of the relationship. This obligation survives termination for three years, except for trade secrets and personal data governed by law.

The Service integrates with third parties including payment processors, cloud infrastructure providers, Open Banking aggregators, email services, and AI platforms. Your use of those services may be subject to separate terms.

We are not liable for acts or omissions of third-party providers beyond our reasonable control.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

We do not warrant uninterrupted or error-free operation, that defects will be corrected, or that the Service will meet your specific regulatory or business requirements.

To the maximum extent permitted by law, FinnAccountings Pvt Ltd shall not be liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, revenue, data, or business opportunity, even if advised of the possibility.

Our total aggregate liability arising from or relating to the Service shall not exceed the greater of (a) the fees paid by you in the twelve months preceding the claim, or (b) €100.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded under applicable law.

You agree to indemnify and hold harmless FinnAccountings Pvt Ltd, its officers, directors, employees, and agents from claims, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Service, violation of these Terms, infringement of third-party rights, or inaccurate Customer Data.

You may stop using the Service and close your Account at any time. We may suspend or terminate access immediately if you breach these Terms, fail to pay fees, or if continued provision poses legal or security risk.

Upon termination:

• Your licence to use the Service ends;
• You may export Customer Data within 30 days where technically feasible;
• We may delete Customer Data after the retention period in our Privacy Policy;
• Sections that by nature should survive (liability, indemnity, governing law) remain in effect.

These Terms are governed by the laws of Ireland, without regard to conflict-of-law principles. If you are a consumer in the United Kingdom, mandatory consumer protection laws of your country of residence may also apply.

Disputes shall first be addressed through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to the exclusive jurisdiction of the courts of Dublin, Ireland, except where EU or UK consumer law grants you the right to bring proceedings in your home jurisdiction.

We may update these Terms from time to time. Material changes will be notified by email or in-app notice at least 30 days before they take effect. Continued use after the effective date constitutes acceptance. If you disagree, you must stop using the Service and cancel your Subscription.

For questions about these Terms, contact us at:

• Operating company: FinnAccountings Pvt Ltd (trades as FinnAccountings)
• Registered under: Laxmi Consultings Pvt Ltd
• Email: legal@finnaccounts.com
• Web: finnaccounts.com/contact