Terms of Service

1. Scope and provider

Volk Web Ltd. (Georgiou Griva Digeni 51, 8047 Paphos, Cyprus; details as in the Legal Notice) provides the software-as-a-service application “Volk Accountant”. These terms apply to all contracts for its use. Deviating terms of the customer do not become part of the contract unless we expressly agree in writing. The offer is aimed at entrepreneurs in the course of trade and at members of the tax-advisory professions.

2. Subject matter of the contract

Provision of the application over the internet for creating quotes and invoices, capturing receipts, matching payments, generating reports and collaborating with the tax advisor. We owe the provision of the software, not the preparation of bookkeeping or tax returns. Express note: Volk Accountant does not provide tax, legal or bookkeeping advice within the meaning of the relevant professional laws; responsibility for the accuracy of content and the timely submission of tax filings lies with the customer or their tax advisor.

3. Conclusion of contract and registration

The contract is concluded through registration and confirmation. The customer is obliged to provide truthful information and to keep their login credentials confidential. Any suspicion of misuse must be reported to us without delay.

4. Trial period

New customers can try the application free of charge for 14 days. No payment information is required for the trial. The trial ends automatically; no payment obligation arises unless a paid plan is expressly booked.

5. Plans, prices and payment

The plans shown on the website at the relevant time are available. All prices are exclusive of statutory VAT, where applicable. Billing is either monthly or annually in advance, at your choice. Payment is processed via our payment service provider Stripe. In the event of default in payment, we are entitled to suspend access temporarily after prior notice.

6. Term and termination

• a) Monthly billing: the contract runs for an indefinite period and may be terminated by either party at any time with effect from the end of the current billing month.
• b) Annual billing: the contract has a minimum term of twelve months. It may be terminated at any time; the termination takes effect at the end of the current contract term, provided it is received no later than one month before its expiry. If no timely termination is made, the contract is extended by a further twelve months in each case.
• c) Termination must be in text form (an email to info@volkaccountant.com suffices) or via the corresponding function in the user account.
• d) The right to extraordinary termination for good cause remains unaffected for both parties.
• e) Fees already paid in advance are not refunded on a pro-rata basis in the event of ordinary termination, insofar as the service was provided during the billed period.

7. Availability

We provide the application with a targeted availability of 99% on an annual average, measured over the period outside announced maintenance windows. We announce maintenance work in good time where possible and schedule it during low-usage periods. Outages beyond our control (force majeure, disruptions at upstream providers, third-party attacks) do not give rise to claims.

8. Bank account connection

You may connect a business account to retrieve account information and transactions for your bookkeeping. Connecting is optional; available file imports or manual entry remain alternatives. The bank account connection is read-only and cannot initiate payments.

The regulated account information service under PSD2 is provided by Enable Banking Oy, Finland, under its authorisation. Its terms and privacy notice, shown during the connection process, also apply. Volk Accountant is the receiving bookkeeping application and does not provide its own payment initiation service through this connection.

You may connect only accounts you are authorised to access and share. Retrieval requires your authorisation and bank authentication. Authorisation is time-limited; following expiry or withdrawal, fresh authorisation is required before further retrieval. You may disconnect at any time. Disconnecting does not automatically delete transactions already imported.

Supported accounts, available transaction history and retrieval frequency depend on the bank. Interface changes, maintenance and outages may delay or prevent retrieval. Check imported data for completeness and use imports to supplement missing entries where necessary. Other contractual and statutory rights remain unaffected. Data processing is explained in our privacy policy.

9. Customer obligations

The customer is responsible for the accuracy and completeness of the data they enter and for being entitled to process any third-party data they enter. They undertake not to use the application unlawfully, not to enter unlawful content and not to take any measures that impair its functionality. The customer is advised to export their data regularly.

10. Rights of use

For the term of the contract, the customer receives a simple, non-transferable right to use the application to the contractually agreed extent. All rights to the software, its components and trademarks remain with us. Passing on login credentials to third parties beyond the booked user scope is not permitted.

11. Customer data, data protection and DPA

The data entered by the customer remain their property. Insofar as we process personal data on behalf of the customer, the parties conclude a data processing agreement under Art. 28 GDPR; this is provided on request and takes precedence over these terms in the event of conflict. Otherwise, our privacy policy applies.

12. Data export after the contract ends

After the contract ends, we make the customer's data available for export in a common format for 30 days. After this period, the data are deleted, insofar as no statutory retention obligations apply.

13. Warranty

We warrant the contractual provision of the application. Defects must be reported to us without delay in text form; we remedy them within a reasonable period. We do not provide any guarantee of specific results, in particular the tax recognition of generated documents.

14. Liability

We are liable without limitation for intent and gross negligence, and for injury to life, body or health. In the case of slightly negligent breach of essential contractual obligations (cardinal obligations), our liability is limited in amount to the foreseeable damage typical of the contract, but in any case no more than the amount of the fees paid by the customer in the twelve months prior to the event giving rise to the damage. Otherwise, liability is excluded. For data loss, we are liable only to the extent that would have arisen had the customer carried out proper and regular data backups.

15. Changes to the terms and services

We may amend these terms with effect for the future if this is necessary for legal or technical reasons and the customer is not unreasonably disadvantaged as a result. We notify changes at least six weeks before they take effect, in text form. If the customer does not object within six weeks, the changes are deemed accepted; we point this out separately in the notification. In the event of objection, either party may terminate as of the date the changes take effect.

16. Final provisions

The law of the Republic of Cyprus applies, excluding the UN Convention on Contracts for the International Sale of Goods. The exclusive place of jurisdiction for disputes with entrepreneurs is Paphos, Cyprus. Mandatory consumer-protection provisions of the state of residence remain unaffected. Should any provision be invalid, the validity of the remaining provisions remains unaffected.