These terms of agreement ("Agreement") govern the delivery of the service ("Service") provided by NoCFO Oy ("NoCFO") to customers ("Customer"). By using the Service, the Customer agrees to these general terms and conditions ("Terms") and to act in accordance with applicable law and good practices.
The Customer accepts these Terms upon logging into the Service.
NoCFO ensures the Service is delivered in accordance with the Terms. NoCFO has the right to modify the content of the Service without separate notice and the right to use subcontractors for Service delivery.
The Service is under continuous development, and temporary disruptions may occur. NoCFO is not liable for damages caused by service interruptions or modifications. We aim to inform Customers of any disruptions in advance when possible.
NoCFO may block the Customer’s access to the Service if the Customer is found to be compromising the Service, intentionally or unintentionally.
NoCFO may terminate the Service entirely by giving three (3) months’ notice prior to the final day of use.
NoCFO may collect usage data, which may be used for improvement, statistics, and analysis.
The Customer has the right to use the Service in accordance with the Terms. It is the Customer’s responsibility to familiarize themselves with these Terms before use.
The Customer is responsible for using the Service legally and appropriately.
To use the Service, the Customer must provide all necessary information for use, maintenance, and billing. The Customer must ensure information is accurate and up to date and report any changes immediately.
The Customer is responsible for the accuracy of files, data, and reports within the Service, and for all actions taken under their Business Account.
The Customer is the data controller under data protection law for any personal data processed in the Service. They are responsible for ensuring that data stored does not infringe upon third-party rights or applicable legislation.
The Customer must report Service errors if detected.
The Customer is responsible for their own hardware, connections, and device security.
To access the Service, the Customer uses Google or Microsoft credentials or creates a username and password. The Customer is solely responsible for safeguarding these credentials. They may grant access to a third party, such as an employee. The Customer is responsible for any activities conducted by users with granted access.
NoCFO’s experts may provide advice related to the Service or financial administration. The Customer is responsible for any actions taken based on this advice. NoCFO is not liable for the accuracy of such guidance.
By using the e-invoicing feature, the Customer accepts Apix’s terms of service, available at www.apix.fi/kayttoehdot.
Current prices, service package contents, and payment methods are found in the price list. NoCFO may change prices and packages without Customer consent. Payments are billed in advance or at the end of the term based on the selected plan. VAT is added to prices as applicable. Late payments accrue interest as per law. For invoiced payments, the due date is fourteen (14) days from invoice date.
The Service may use third-party payment processors. The Customer must accept the terms of such providers. Card details can be stored for recurring payments, but NoCFO does not store payment details.
Minimum monthly billing is €10. If the monthly total is below €10, billing occurs quarterly. Otherwise, billing is monthly.
NoCFO is the sole owner of all intellectual property rights related to the Service, including but not limited to source code, design, documentation, specifications, and materials, whether registered or not. All rights are protected by copyright and other laws. Product names, logos, and trademarks remain the property of their respective owners. The Customer may use the Service and its outputs for their own internal operations.
Confidential information refers to any data marked confidential or reasonably understood to be so, including information about software, services, products, technology, or the Customer.
Each Party agrees to keep confidential information strictly secret and not disclose it without written consent, nor use it for any purpose other than the Agreement.
Each Party ensures its employees and representatives understand and comply with this confidentiality obligation.
Unless otherwise stated, all confidential materials remain the property of the original disclosing Party.
Publicly available or previously known information is not considered confidential.
The Customer understands that the Service is provided "as is" and used at their own risk.
NoCFO is not liable for errors in calculations or reports generated by the Service.
NoCFO’s total liability under any circumstances is limited to three (3) months’ worth of Service fees (excluding VAT).
This limitation applies regardless of the extent or cause of direct damages.
NoCFO is not liable for damages caused by the Customer or third parties, nor for indirect damages like lost profits or data loss.
NoCFO is not responsible for direct or indirect damages arising from third-party services used within the Service.
The Agreement enters into force when the Customer starts using the Service and remains in effect until terminated.
The termination notice period is one (1) month. For paid versions, the Service is billed until the end of the termination period.
Customer data is deleted three (3) months after termination. The Customer is responsible for retaining any accounting data after service use ends.
The Agreement is governed by the laws of Finland.
Disputes that cannot be resolved by negotiation are resolved in a competent Finnish court.
Force majeure refers to events beyond NoCFO’s control, which could not reasonably be foreseen or prevented at the time of Agreement.
If NoCFO is prevented from fulfilling its obligations due to such events, it may delay performance and is not liable for damages caused by non-performance.
If the delay continues for over three (3) months, the Customer has the right to terminate the Agreement in writing.
Each Party agrees to comply with applicable data protection legislation and is responsible for their own data and its lawful processing.
NoCFO records data provided by the Customer or User during use of the Service. We are authorized to process this data per the Terms and the Privacy Notice at www.nocfo.io.
NoCFO may disclose Customer data to third parties if necessary to provide the Service.
Customers may store data from their own customer registers within the Service. The Customer is the data controller and NoCFO is the data processor. The Customer is responsible for the accuracy and legality of stored data.
NoCFO may unilaterally amend these Terms.
Amendments will be published at www.nocfo.io, during login, or within the Service. Continuing to use the Service after changes constitutes acceptance.
If the Customer does not accept the changes, either Party may terminate the Agreement.
Claims under this Agreement must be made in writing without delay and no later than six (6) months from the date the claim arises.
The Customer may not assign the Agreement to a third party without NoCFO’s prior written consent. NoCFO reserves the right to assign the Agreement or Services to a third party.
This appendix clarifies the agreement between the Data Controller (Customer) and Data Processor (NoCFO Oy).
Personal data processed on behalf of the Customer may include the names, contact information, billing details, bank account information, or any other necessary information of the Customer or their end users, employees, clients, or partners.
By accepting this appendix, the Controller instructs the Processor to:
The Controller must:
The Processor may use subprocessors to deliver the Service.
Transfers of personal data may occur within the EU/EEA or to countries deemed to have adequate safeguards by the EU Commission. Any transfers outside the EU/EEA are conducted under lawful data transfer mechanisms.
Security is monitored, assessed, and updated regularly to protect the data register.
The Processor implements appropriate technical and organizational measures to safeguard personal data and ensure compliance with applicable data protection laws.
