Terms and Conditions for ViljoPay Oy

Welcome to ViljoPay Oy. These Terms and Conditions outline the rules and regulations for the use of our software development services, receipt scanning (OCR), expense categorization, spending overview, charts & summaries, and other related services provided by ViljoPay Oy, located at Energiakuja 3, 00180 Helsinki, Finland.

By accessing or using our online platform or any of our services, you accept these Terms and Conditions in full. Do not continue to use our services if you do not accept all of the terms and conditions stated on this page.

1. Definitions

• "Company," "we," "us," and "our" refer to ViljoPay Oy.
• "Services" refer to all software development services, receipt scanning (OCR), expense categorization, spending overview, charts & summaries, and any other related products or services offered by ViljoPay Oy.
• "User," "you," and "your" refer to the individual or entity accessing or using our Services.
• "Content" refers to any data, text, images, or other material uploaded, transmitted, or displayed via our Services.

2. Acceptance of Terms

By using our Services, you represent that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you must not use our Services. We reserve the right to amend these Terms and Conditions at any time. Your continued use of our Services following any such changes constitutes your acceptance of the new Terms and Conditions.

3. Description of Services

ViljoPay Oy provides advanced software solutions designed to streamline financial management processes. Our Services include, but are not limited to:

• Receipt Scanning (OCR): Utilizing Optical Character Recognition technology to extract data from receipts and invoices.
• Expense Categorization: Automatically classifying expenses for easier financial tracking.
• Spending Overview: Providing a consolidated view of your financial expenditures.
• Charts & Summaries: Generating visual reports and summaries of financial data.
• Custom Software Development: Tailored software solutions to meet specific business needs.

4. User Responsibilities

As a User of our Services, you agree to:

• Provide accurate, current, and complete information when using our Services.
• Maintain the confidentiality of any account credentials and be responsible for all activities that occur under your account.
• Use our Services only for lawful purposes and in compliance with all applicable laws and regulations.
• Not upload or transmit any Content that is harmful, offensive, illegal, or infringes on the rights of others.
• Assume full responsibility for the accuracy and legality of all Content you submit for processing via our Services.

5. Intellectual Property

All intellectual property rights in and to our Services, including but not limited to software, trademarks, logos, and content, are owned by ViljoPay Oy or its licensors. You are granted a limited, non-exclusive, non-transferable license to use our Services solely for your internal business purposes. You may not reproduce, distribute, modify, or create derivative works from any part of our Services without our explicit written consent.

6. Data Privacy and Security

We are committed to protecting your privacy. Our collection, use, and disclosure of your personal data and Content are governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using our Services, you consent to such processing and you warrant that all data provided by you is accurate.

While we implement reasonable security measures, we cannot guarantee absolute security of your Content. You acknowledge that you provide Content at your own risk.

7. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our Services will be uninterrupted, error-free, secure, or that any defects will be corrected. ViljoPay Oy makes no warranties concerning the accuracy or reliability of the results obtained from the use of our Services, including but not limited to OCR accuracy or expense categorization.

8. Limitation of Liability

To the fullest extent permitted by applicable law, ViljoPay Oy shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use our Services; (ii) any conduct or content of any third party on our Services; (iii) any content obtained from our Services; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

9. Indemnification

You agree to indemnify, defend, and hold harmless ViljoPay Oy, its directors, employees, agents, and affiliates, from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your access to or use of our Services, your violation of these Terms and Conditions, or your infringement of any intellectual property or other right of any person or entity.

10. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions. Upon termination, your right to use our Services will immediately cease.

11. Governing Law and Jurisdiction

These Terms and Conditions shall be governed and construed in accordance with the laws of Finland, without regard to its conflict of law provisions. Any dispute arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Finland.

12. Entire Agreement

These Terms and Conditions constitute the entire agreement between you and ViljoPay Oy regarding our Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding our Services.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us at our registered address:

ViljoPay Oy
Energiakuja 3
00180 Helsinki
Finland