Terms of Service

Provider

Ankrito Oy, a limited company (osakeyhtiö), formerly Selvia

Business ID

3658630-6

Domicile

Helsinki, Finland

Address

Konalantie 7, 00370 Helsinki, Finland

Email

support@ankrito.com

These terms are an agreement between Ankrito Oy (Business ID 3658630-6, Helsinki, formerly Selvia; “Ankrito”, “we”) and the business or person who uses Ankrito’s software or professional services (“you”).

Ankrito’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 Ankrito 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 Ankrito’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.

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

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

A Sole Entrepreneur, Business or Business Plus accounting subscription includes the Ankrito 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.
• Ankrito reviews subscription requests before they are activated, and may ask you to confirm your identity or your right to act for a business.

• Give Ankrito complete and accurate information and documents, in time for the work that depends on them.
• Check the information the software or the Ankrito 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 Ankrito’s software or services. Ankrito is responsible for the work it has agreed to do for you.

When Ankrito provides your accounting service, Ankrito prepares and files VAT returns for the VAT periods covered by that service, as agreed with you. Ankrito keeps the books in line with the Accounting Act and good accounting practice (hyvä kirjanpitotapa).

To file and deal with the authorities for you, Ankrito needs your authorisation, usually given in Suomi.fi e-Authorizations. Ankrito acts only within the authorisations you give, and you can withdraw them at any time.

VAT periods outside Ankrito’s responsibility — for example periods before your Ankrito accounting service started — are not filed by Ankrito. 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 the Ankrito app are checked by the Ankrito 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 an Ankrito invoice.

As a provider of accounting and tax services, Ankrito must know its clients under the Finnish Act on Preventing Money Laundering and Terrorist Financing (444/2017). Before and during the agreement we may ask for your identity, your business’s owners and beneficial owners, and the nature of your business, and you agree to give them.

If we can’t verify this information, we may refuse to start or continue the service. Where the law requires, Ankrito reports suspicious transactions to the Financial Intelligence Unit and may not tell the client about it; this is an exception to confidentiality.

Check the reports, returns and other material we give you, and tell us without undue delay if you find a mistake — and in time for it to be corrected before any deadline where possible. Ankrito corrects mistakes in its own work at no extra charge. Correcting mistakes caused by information or documents you gave us late, incomplete or wrong is separately priced work.

From 1 January 2027, Ankrito commits to the following in its accounting service.

• Questions: a person from Ankrito answers your messages on WhatsApp and in the Ankrito app’s Support Inbox during working hours, Monday to Friday, 9–17 Finnish time, excluding Finnish public holidays. On Business Plus your questions are handled first. Automatic replies do not count as answers.
• Monthly books and VAT: Ankrito books your receipts and statements as they arrive. When your material for a month is in the app by the 15th of the following month, Ankrito files your VAT return by the end of that month, which leaves 12 days before the Tax Administration’s due date to add anything missed, and tells you the VAT to pay before it is due.
• Year-end: when your material for the financial year is in within one month after the year ends, Ankrito files your toiminimi tax return, or your Oy’s tax return, at least 15 days before the Tax Administration’s due date. For an Oy, Ankrito also files the financial statements with the Finnish Patent and Registration Office (PRH) once your company has approved them.
• Letters from the Tax Administration: Ankrito answers routine letters about the books it keeps for you at no extra cost. Substantial replies, tax audits and appeals are separately priced and agreed with you before the work starts.

If Ankrito sees that something may be late, Ankrito tells you in advance. These commitments do not by themselves entitle you to a price reduction.

For each professional service, the scope, the work and the price are agreed with you before the work starts. Ankrito 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. Ankrito 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. Ankrito 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.

Immigration Services:

• Prices for services bought by private persons (marked “incl. VAT”) include VAT 25.5 %. Other prices exclude VAT, and VAT 25.5 % is added.
• Fees charged by the authorities, such as Migri’s processing fee and the administrative court’s fee, are paid to those authorities. Ankrito does not refund them.
• You give Ankrito true and complete information and documents. You are responsible for the information in your application or appeal.
• If you receive a decision you want to appeal, send it to Ankrito promptly. Ankrito is not responsible for a missed appeal deadline when the decision reached Ankrito too late to prepare the appeal in time.
• Ankrito files an application or appeal on your behalf only under a power of attorney you have signed.
• If you are a consumer and the agreement is made online, by email or by phone, you may cancel it within 14 days of making it. Ankrito starts the work within those 14 days only if you expressly ask it to, and confirms your request in writing. If you then cancel, you pay for the work done before you cancel. Once the work is fully done at your request, the right to cancel ends.

How to cancel (consumers): tell us within the 14 days by email to support@ankrito.com or by post to Ankrito Oy, Konalantie 7, 00370 Helsinki. Any clear statement is enough, or you can use this form: “To Ankrito Oy, Konalantie 7, 00370 Helsinki, support@ankrito.com. I cancel my agreement for the following service: [service]. Agreed on: [date]. Name: [your name]. Address: [your address]. Date: [date].” It is enough to send the notice before the 14 days end. Ankrito refunds what you have paid within 14 days of receiving your notice, less the value of any work done at your request.

Ankrito 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@ankrito.com during Ankrito’s working hours, and in the Ankrito app’s Support Inbox. How we handle questions about the accounting service is set out under “Accounting service commitments”; for other matters we answer as soon as we can. Phone-call support is not offered.

Ankrito 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.

Ankrito is not responsible for services run by others, such as the authorities’ e-services (for example MyTax), banks, delivery platforms whose statements you upload, app stores or your own devices and internet connection.

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

• The data and documents you enter or upload remain yours. You allow Ankrito to process them to provide the services.
• The software, its design and content belong to Ankrito or its licensors. These terms do not transfer them to you.
• Ankrito processes personal data as described in the Privacy Policy. When Ankrito 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.

Ankrito 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:

• If Ankrito makes a mistake in its work, Ankrito corrects it at no extra charge and credits the fee for the month the mistake concerns (for quarterly or annual billing, that month’s share). This is Ankrito’s total liability for the mistake.
• Ankrito is not liable for indirect or consequential losses, such as loss of profit or business.
• Ankrito 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.

Neither party is liable for delay or failure caused by an event beyond its reasonable control that it could not have foreseen or avoided — such as a widespread outage of networks or authorities’ systems, a natural disaster, war or an official order (force majeure). The affected party tells the other without undue delay.

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.

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

When you move to Ankrito, Ankrito asks your previous accountant for your material on your behalf and reviews their work at no charge, and tells you about any problems it finds. Correcting them is separately priced catch-up work, agreed with you before it starts. When your subscription ends, Ankrito hands over your accounting material to you, or to the accountant you name, within 14 days of your request and free of charge. Ankrito does not withhold your material because of unpaid invoices; any amount still owed is collected separately.

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 tell you about changes at least 30 days before they take effect, in the app or by email, and you may cancel before then. Changes required by law, or changes that only clarify wording or are in your favour, can take effect sooner. The date at the top shows the current version.

• Order of documents: a separate agreement for a specific service comes first, then the Payment Terms on prices and invoicing, then these terms. The Data Processing Agreement governs personal data processed on your behalf.
• Ankrito may use subcontractors and service providers. Ankrito remains responsible for their work as for its own.
• Ankrito may transfer this agreement to a company that continues its business. You may transfer it only with our written consent.
• Notices are given by email to the address on your account or in the app.
• If a term is found invalid, the rest of the terms still apply.
• These terms are published in Finnish and English. If the two versions differ, the Finnish version applies.

Questions about these terms: support@ankrito.com.