Terms of Service

1. Agreement to Terms

By accessing or using the service provided by Aimiten Oy ("Valuefy", "we", "us", or "our") at valuefy.app, you agree to be bound by these Terms of Service ("Terms").

2. Service Description

We provide automated business valuation reports using:

• Publicly available financial data from official registers and databases
• AI-powered analysis (Google Gemini)
• Industry benchmarks and comparisons

Important: Our valuations are estimates based on available public data and market conditions.

3. Important Disclaimers

3.1 Data Accuracy

We collect data from third-party public sources. We do NOT guarantee:

• The accuracy or completeness of source data
• That valuations reflect actual market value
• The availability of data for all companies

3.2 No Warranties

The Service is provided "AS IS" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

4. User Obligations

By using our Service, you agree to:

• Provide accurate company information
• Use the Service only for lawful purposes
• Not attempt to access unauthorized areas of the Service
• Not reverse-engineer, decompile, or disassemble our technology
• Not resell, redistribute, or share purchased reports
• Accept full responsibility for how you use our reports

5. Payment Terms

5.1 Pricing

• Service fee: €[PRICE] (or local currency equivalent)
• One-time payment only - no subscriptions
• All prices include applicable VAT/taxes
• Prices may change without notice (existing orders unaffected)

5.2 Payment Processing

• Payments processed securely by Stripe
• We do not store credit card information
• Payment required before report generation

6. Refund Policy

6.1 14-Day Money-Back Guarantee

We offer a 14-day refund period from the date of purchase. This preserves your EU consumer rights for digital services.

6.2 How to Request a Refund

• Email: [email protected]
• Include your order number and purchase email
• State your reason for the refund request
• Refunds processed within 5-7 business days

6.3 Refund Eligibility

Refunds will be granted for:

• Technical errors preventing report delivery
• Significant service malfunction
• Duplicate or accidental purchases
• Any reason within 14 days (EU consumer rights)

7. Intellectual Property

7.1 Our Property

All Service content, features, functionality, and technology are owned by [COMPANY_NAME] and protected by international copyright, trademark, and other intellectual property laws.

7.2 Your License

Upon purchase, you receive a limited, non-exclusive, non-transferable license to use your report for:

• Internal business planning
• Discussions with advisors under NDA
• Personal reference

You may NOT publicly share, resell, or redistribute reports.

8. Limitation of Liability

8.1 Maximum Liability

To the maximum extent permitted by law, our total liability for any claim shall not exceed the amount you paid for the Service (€[PRICE]).

8.2 Exclusions

We shall NOT be liable for:

• Indirect, incidental, special, or consequential damages
• Lost profits, revenue, or business opportunities
• Decisions made based on our reports
• Inaccuracies in third-party data
• Service interruptions or data loss

8.3 Exceptions

These limitations do not apply to liability arising from:

• Gross negligence or willful misconduct
• Death or personal injury
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded by law

9. Indemnification

You agree to indemnify, defend, and hold harmless [COMPANY_NAME], its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Any content or data you submit

10. Third-Party Services

Our Service integrates with third-party services:

• Stripe: Payment processing (subject to Stripe's terms)
• Google Cloud: AI services (subject to Google's terms)
• Public data sources: Various business registers and databases

We are not responsible for third-party services or their data accuracy.

11. Service Availability

While we strive for 24/7 availability, we do not guarantee uninterrupted service. We may:

• Perform maintenance without notice
• Modify or discontinue features
• Suspend access for security reasons

12. Termination

We may terminate or suspend your access immediately, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Attempting to harm or exploit the Service

Upon termination, your license to use purchased reports continues for personal reference only.

13. Governing Law and Disputes

13.1 Governing Law

These Terms are governed by the laws of Finland, without regard to conflict of law principles.

13.2 Dispute Resolution

1. First, contact us at [email protected] to resolve issues amicably
2. If unresolved, submit to mediation in Helsinki
3. If mediation fails, disputes shall be resolved in the courts of Helsinki, Finland

13.3 Consumer Rights

EU consumers may also use the European Commission's Online Dispute Resolution platform: ec.europa.eu/odr

14. Changes to Terms

We may update these Terms at any time. Changes are effective when posted. Continued use after changes constitutes acceptance. We will notify users of material changes via email.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Aimiten Oy regarding the Service.

17. Contact Information

For questions about these Terms:

Aimiten Oy
Business ID: 3367218-8
Address: Helsinki, Finland
Email: [email protected]