Terms of Service

1. Who these terms are with

This website is operated by Account Officer Oy, Kalliotie 1, 04400 Järvenpää, Finland, Business ID 0106777-6, EU VAT FI01067776. Using the site means accepting sections 2 to 5. Those sections govern the website. Sections 6 onward describe how we provide services, and they take effect between us only through a signed engagement, not by your reading this page.

2. What the website is for

The site describes our services and lets you contact us. Everything on it is general information about Finnish accounting and tax obligations. It is not individual advice, it does not take account of your circumstances, and no relationship of adviser and client arises from reading it or from sending an enquiry through it.

3. The fee estimator

The estimator produces an indicative monthly budgeting band for our own service fee, from a published model whose version and effective date are shown on screen and served at /api/v1/fee-model. It is not a quotation, not an offer capable of acceptance, and not binding on either of us.

It does not calculate anyone’s tax. No figure on this site estimates a tax liability, a refund or a saving, and we make no representation that engaging us will reduce the tax you pay.

4. Accuracy, and what to do if something is wrong

We take care that statements of law on this site are correct at the date shown, and we cite the instrument so you can check. Legislation changes and pages can fall behind. If you find something inaccurate, write to info@accountofficeroy.com and we will correct it.

We do not accept liability for a decision taken solely on the strength of a page on this site. That is not a disclaimer of everything: it means the right way to rely on us is to engage us, at which point we are answerable for the advice we give you on your facts.

5. Intellectual property and acceptable use

The text, layout and code of this site belong to Account Officer Oy. You may read, print and quote from it with attribution. You may not scrape it at a rate that degrades the service, attempt to interfere with the forms, or use it to send unsolicited commercial messages.

6. Scope of the services we provide

We provide bookkeeping and financial reporting, payroll administration and reporting, VAT and corporate tax compliance, and financial advisory work, as described on the service pages. The exact scope for a given client is whatever the signed engagement letter says, and nothing else.

7. What we do not do

• Statutory audit. We are not an audit firm approved under the Auditing Act (1141/2015). We do not perform statutory audits and do not issue auditor’s reports or audit opinions. Where an audit is required we prepare your records for the auditor you appoint.
• No guaranteed tax outcomes. We advise on the law as it stands and tell you where a position is uncertain. We do not guarantee an assessment, a refund, or a level of tax, and we do not promote arrangements whose purpose is to avoid tax artificially.
• Legal representation. We are not a law firm and do not act as counsel. We will work alongside your lawyer and say plainly when a question is one for them.
• Investment advice. We are not authorised to provide investment services and do not recommend financial instruments.

8. What we need from you

Accurate and complete source material, by the dates set in the engagement letter. We prepare filings from what you give us. If material arrives late or incomplete we will tell you what the consequence is, but we cannot be responsible for a deadline missed because the material to meet it did not exist in time.

9. Fees and invoicing

Fees are those set out in the engagement letter, invoiced in euro, exclusive of Finnish VAT. Where volumes or the condition of the material change materially from what the engagement assumed, we will tell you and agree a revised fee before doing the extra work, not afterwards on an invoice.

10. Liability

We are liable for direct loss caused by our negligence or breach in performing an engagement, subject to the limit stated in that engagement letter. We are not liable for indirect or consequential loss, or for loss arising from information that was incorrect or withheld when it was given to us. Nothing here limits liability that Finnish law does not permit to be limited.

11. Confidentiality and records

Everything you tell us about your business is confidential and stays that way after the engagement ends, except where disclosure is required by law, including reporting obligations under anti-money-laundering legislation. Your accounting records remain yours; we return them at the end of an engagement and we do not withhold them over a fee dispute.

12. Ending an engagement

Either side may end an engagement on the notice period it states. We will hand over your records and cooperate with an incoming accountant so that nothing statutory is missed in the changeover.

13. Governing law

Finnish law governs these terms and any engagement, and Finnish courts have jurisdiction, without prejudice to any mandatory right you have to bring proceedings where you are established. We would rather resolve a disagreement by discussing it, and you are always welcome to raise one at info@accountofficeroy.com.