Terms of Service

Updated 14. lokakuuta 2026

1. Provider and scope

GigBooks is provided by Insightish Labs Oy, Finnish Business ID 3418658-7, Otaniemi, 02150 Espoo, Finland (“GigBooks”, “we”, “us”). Contact us at privacy@gigbooks.fi for service, contractual and data-protection matters.

These Terms govern the GigBooks mobile application, related services and website tools (the “Service”). “You” means the sole trader or other business entering into the agreement and, where relevant, its authorised user. The Service is intended for business bookkeeping. You must be at least 18 and have authority to act for the business.

The agreement is formed when you accept these Terms during registration or purchase. The offer displayed at purchase governs the selected plan, price and billing period. The Privacy Policy describes personal-data processing; accepting these Terms is not consent to optional tracking or marketing. Section 12 governs personal data we process on your behalf.

2. Accounts and permitted use

Provide accurate account and business information, keep it current, protect your credentials and promptly report suspected unauthorised access. You are responsible for users you authorise, but not for losses caused by our failure to fulfil our own obligations.

You may use the Service for your lawful business activities. You must not falsify records, upload material you have no right to process, introduce malicious software, access another customer’s data, bypass access or subscription controls, or materially disrupt the Service. Restrictions on copying, reverse engineering or automated access apply only to the extent permitted by mandatory law. Reporting a security issue in good faith is not prohibited.

3. What the Service does

GigBooks helps you record income and expenses, attach receipts, import supported bank statements, organise business records and prepare reports and estimates. Available features depend on your plan, supported market and app version. We will provide the agreed Service with reasonable care and skill.

You remain responsible for the completeness and accuracy of information supplied, reviewing proposed entries, choosing appropriate accounting treatment and meeting registration, payment and filing obligations. Unless expressly agreed separately, we do not act as your accountant, submit returns on your behalf, hold customer funds or execute bank payments. Importing a statement does not give us authority to operate your bank account.

Receipt recognition and the chat assistant use artificial intelligence. Outputs may be incomplete or incorrect. Review amounts, dates, categories, VAT and other material details before confirming or relying on them. Estimates and website calculators are not binding tax assessments or individual professional advice. Consult a qualified adviser where your circumstances require it. These responsibilities do not exclude our liability for a breach of our contractual or statutory duties.

4. Trials, subscriptions and payment

Where offered, the current introductory trial lasts 30 days and does not require payment-card details. Starting that trial alone does not authorise a paid subscription. After it ends, features requiring an active plan become unavailable unless you purchase a subscription. Any different offer must be clearly shown before acceptance.

Paid plans are billed monthly or annually, as selected. The checkout shows the amount, currency, applicable taxes, renewal terms and any store-specific trial conditions before you authorise payment. Purchases through Apple or Google are processed under the relevant store’s payment terms. RevenueCat helps us verify purchase status and access entitlements.

An automatically renewing subscription continues for successive billing periods until cancelled through the store where you bought it. Cancel before the renewal deadline shown by that store. Unless a refund or other applicable rule changes the entitlement, cancellation takes effect at the end of the paid period. Deleting the app or your GigBooks account does not itself cancel a store subscription.

Request store-billed refunds through the relevant store, and contact us for help with service defects or billing disputes. Store procedures do not remove rights you have against us under mandatory law. We will communicate price changes before they apply, obtain any required agreement and allow cancellation before the next affected renewal. No change increases the price of an already-paid period retrospectively.

5. Your records and intellectual property

You retain rights in the records and other material you provide. You authorise us to host, copy, transmit and process that material only as necessary to supply, secure and support the Service, follow your instructions or comply with law. This authorisation does not transfer ownership of your records.

We and our licensors retain rights in the Service’s software, designs and other proprietary material. We grant you a limited, non-exclusive right to use the Service during your authorised access. Third-party software remains subject to its applicable licence.

Keep suitable copies of records needed for your business. Use available exports before closing your account; contact us if access has expired or you need assistance obtaining your records. Statutory personal-data requests do not require a paid subscription.

Under the Finnish Bookkeeping Act, specified accounting books and financial statements generally require retention for at least ten years from the financial year’s end; vouchers and other accounting material generally require at least six years from the end of the calendar year in which that financial year ended. Longer requirements may apply. You remain responsible for arranging your business’s lawful record retention. A subscription is not a separate guarantee of indefinite archival access.

6. Availability and changes

Maintenance, security work, networks and third-party dependencies may interrupt the Service. We do not promise uninterrupted access or a particular service level unless agreed in writing. We will take reasonable steps to resolve faults and communicate material planned interruptions.

We may make changes needed for security, legal compliance or service improvement. Material reductions to an agreed paid service will be communicated in advance where reasonably possible. If we discontinue an essential paid feature without a reasonably equivalent replacement, you may end the affected service and receive a proportionate refund for the unused prepaid period, subject to any more favourable mandatory rights.

7. Suspension and termination

You may stop using the Service, cancel renewal and request account deletion. These are separate actions: cancel any store subscription before deleting your account. Export your records first or arrange an assisted return with us.

We may restrict access where reasonably necessary to address a material breach, non-payment, a security threat, unlawful activity or a binding legal requirement. Where safe and lawful, we will explain the reason and give you a reasonable opportunity to remedy a breach. Restrictions will be proportionate. Immediate action may be necessary to prevent harm.

If we end a paid service for reasons other than your material breach or a legal prohibition, we will give reasonable notice and refund the unused prepaid portion. Termination does not erase outstanding lawful obligations. Return, deletion and necessary retention of data follow Section 12 and the Privacy Policy. Contact us to arrange record access where a suspension prevents self-service export.

8. Liability

Each party is responsible for loss caused by its breach, subject to applicable law and reasonable steps to mitigate loss. For business customers, neither party is liable for indirect loss, such as lost profit or business opportunity. Our aggregate contractual liability for ordinary negligence is limited to the fees paid or payable for the Service during the twelve months preceding the event giving rise to the claim.

These limitations do not apply to fraud, wilful misconduct, gross negligence, death or personal injury, or liability that cannot lawfully be limited. They do not restrict a data subject’s rights under the GDPR or any mandatory consumer remedies. They do not excuse us from supplying the agreed Service or responding appropriately to a defect.

9. Consumer rights, where applicable

Business purchases generally fall outside consumer protection rules. If you nevertheless qualify as a consumer under applicable law, those mandatory protections prevail over these Terms, including applicable rights concerning conformity, remedies, cancellation and court jurisdiction.

Where a statutory withdrawal right applies to a distance service contract, its usual period is 14 days from conclusion. Starting performance early, charging for performance during that period, or losing a withdrawal right requires the conditions and separate requests or acknowledgements specified by law. Merely accepting these Terms does not waive that right. Send an unambiguous withdrawal request to our contact email or use the applicable store process. Include your name, account email, purchase date and order reference; no special wording is required.

10. Changes to these Terms

We may amend these Terms for changes to the Service, law, security or commercial arrangements. We will explain material changes and their effective date by email or an in-app notice, normally at least 30 days in advance. Urgent legal or security changes may require shorter notice. Changes will not operate retrospectively or remove accrued rights. Where acceptance is required, we will obtain it; continued use alone will not replace legally required consent. You may cancel before a material change takes effect, and retain any refund rights described above or provided by law.

11. Governing law and disputes

Finnish law governs the agreement. Contact us first so we can try to resolve a dispute. Business disputes are brought before the competent district court at the provider’s registered domicile. A consumer retains any mandatory right to bring proceedings in their home jurisdiction and may contact Finnish Consumer Advisory Services and the Consumer Disputes Board where competent. We do not require private arbitration. If a provision is unenforceable, the remaining provisions continue to apply to the extent lawful.

12. Customer-data processing terms

Roles and scope. Where your records contain personal data about customers, suppliers, workers or other people and we process it on your instructions, you are the controller and we are the processor. Processing comprises receiving, organising, storing, extracting, calculating, retrieving, exporting and deleting records to supply bookkeeping features. Data may include names, contact details, identifiers, invoice and payment information, receipt contents and correspondence. Processing lasts for the service relationship and any lawful return or retention period. Do not submit special-category or criminal-offence data unless we have separately agreed suitable safeguards.

Instructions and confidentiality. We will process these data only on documented instructions, including your use of the agreed features, unless law requires otherwise. We will notify you of a legal requirement unless prohibited, and inform you if we consider an instruction unlawful. Personnel permitted to process the data must be bound by confidentiality and receive access appropriate to their duties. We will not use customer records for our own advertising or general-purpose model training.

Security and assistance. We will apply risk-appropriate technical and organisational measures, including access controls, protected transmission, recovery arrangements and checks of their effectiveness. We will notify you without undue delay after becoming aware of a personal-data breach affecting your data, provide available information and cooperate on containment. Taking account of the processing and information available to us, we will assist with individual rights requests, security obligations, breach notifications, impact assessments and regulatory consultations. We will make compliance information available and allow proportionate audits, including inspections, with reasonable confidentiality and security arrangements that do not prevent mandatory audit rights.

Subprocessors and transfers. You authorise the service providers identified for customer-record processing in Section 5 of the Privacy Policy. We will provide their contracting identities, locations and relevant transfer safeguards before processing begins. We will impose equivalent data-protection obligations and remain responsible for their performance. We will notify you before adding or replacing a subprocessor and allow a reasonable opportunity to object on data-protection grounds. If the objection cannot reasonably be resolved, either party may end the affected processing, with return of records and a proportionate refund for unused prepaid service. Transfers outside the EEA require a lawful GDPR transfer mechanism and any necessary supplementary safeguards; EU storage alone does not establish that safeguard.

Return and deletion. At the end of processing, we will, at your choice, return or delete personal data and copies unless Union or Member State law requires retention. We will identify any retention obligation, restrict retained data to that purpose and delete it when the obligation ends. Deletion includes a documented process for backup copies as they expire. Closing an account does not by itself determine your lawful bookkeeping-retention instructions. Contact us before closure to arrange them. These processing terms prevail over conflicting general terms concerning processor obligations; they do not govern data we independently control for our own account administration, security or legal obligations.