Terms of Use

Provider: Impact Node Oy (Finnish limited company). Business ID 3624870-2. Registered office Espoo, Finland. Email jami@vantnod.com. Vantnod is a registered auxiliary business name (aputoiminimi) and proprietary software of Impact Node Oy.

These terms apply to use of the Vantnod software, web service, applications, APIs, AI features, technical interfaces related to payment traffic, and any other services provided by Vantnod.

Vantnod is a financial-administration software and technology platform that may include invoicing, receipt processing, bookkeeping automation, AI-assisted suggestions, reporting, technical payment-traffic features, and capabilities built on top of third-party services.

By using the service, registering, accepting an offer, paying a fee, or otherwise putting the service into use, the user accepts these terms in full. A user acting on behalf of a company, association or other organisation warrants that they are entitled to bind that organisation to these terms.

The following terms are used throughout these terms:

Vantnod is a software and technology platform. Vantnod is not a bank, credit institution, payment institution, e-money institution, investment firm, accounting firm, auditor, tax advisor, law firm or public authority.

Vantnod does not provide banking, credit, investment, tax, accounting, legal or other regulated professional advice unless expressly agreed in writing.

The purpose of the service is to help the user manage financial-administration data, processes and technical workflows. Any data, suggestion, automation, report or classification produced by the service is intended as a working aid that the user is responsible for reviewing.

The service is intended primarily for the following user groups:

Vantnod may at its discretion refuse registration, restrict use or terminate the customer relationship if the user does not belong to an approved group, the user's industry is prohibited or high-risk, the user's information is incomplete or incorrect, or Vantnod has reasonable grounds to suspect misuse, fraud, money laundering, sanctions evasion or other breach.

The user is responsible for ensuring that all information provided to Vantnod, Stripe or other partners is accurate, current and complete.

The user must update changed information without delay. Vantnod is not liable for damages, delays, failed payments, incorrect reports or other consequences arising from incorrect, incomplete or outdated information provided by the user.

The user is responsible for all activity under their account unless the user can demonstrate that misuse resulted solely from Vantnod's intentional or grossly negligent conduct.

The user is responsible for safeguarding their credentials, passwords, two-factor authentication, API keys and other login information.

The user must notify Vantnod without delay if they suspect their account has been compromised or if an unauthorised event, security incident or misuse is detected in the service.

Vantnod has the right to suspend or restrict account use immediately if there is reason to suspect a security risk, unauthorised use, misuse, payment problem, breach of these terms or unlawful activity.

Vantnod may use Stripe or other third-party providers for payments, payment traffic, cards, identification, fund handling and similar functions.

Vantnod does not itself hold customer funds, provide payment accounts, issue payment cards, or act as a payment service provider unless expressly stated otherwise. Actual payment services, the execution of payment transactions, card issuance, custody of funds and other regulated payment activities are performed under the terms of the applicable licensed provider, such as Stripe.

By using Stripe-based features available through Vantnod, the user agrees to comply with the applicable Stripe terms, including the Stripe Connected Account Agreement, the Stripe Services Agreement and the Stripe Issuing terms.

Vantnod is not liable for the actions, outages, delays, charges, decisions, declines, fund freezes, account closures or other measures of Stripe, banks, card networks, identity providers, public authorities, cloud providers, APIs or other third parties, except as required by mandatory law.

Vantnod may transmit information to a third party on the user's behalf in order to deliver the service. The user understands that third-party services may be subject to separate terms, privacy notices, industry restrictions, approval processes and supervisory obligations.

Vantnod is not a bank, credit institution, payment institution or e-money institution. Vantnod does not extend credit, accept deposits, provide payment accounts in its own name, or guarantee that any payment will succeed.

Where the service displays balances, card details, payment transactions, payment statuses or other information related to payment traffic, this is a technical interface whose contents are based on data received from third parties. Vantnod does not warrant that such data is real-time, error-free or complete.

The service may include Noa or other AI-assisted features that may analyse financial data, receipts, invoices, transaction data, spending patterns and other information the user provides.

Noa may produce suggestions for ledger postings, expense categories, VAT treatment, tax deductions, invoice interpretation, budgeting, accounting entries or other financial-administration actions.

All AI-produced output consists of draft, indicative suggestions only. It is not legal, tax, accounting, audit, financial or other professional advice.

The user is at all times responsible for the following:

Vantnod is not liable for incorrect AI suggestions, partial interpretations, incorrect ledger postings, tax consequences, late fees, default interest, regulatory consequences, business decisions or other damages caused by the user acting on an AI suggestion without proper review.

Whenever the user is about to accept a financial action proposed by Noa, the interface displays a separate reminder: ”Noa can make mistakes. Always review accounting, tax and payment information before accepting. Vantnod is not an accounting firm, tax advisor or legal counsel.”

The service may include automated workflows such as receipt interpretation, invoice generation, transaction classification, posting suggestions, payment preparation or filing assembly.

Automations do not remove the user's own duty to review and supervise. The user remains responsible for any data or action they accept, send, confirm or otherwise put into use.

Vantnod has the right to modify, pause, remove or restrict automations where required for security, law, service quality, third-party terms, technical operation or to prevent misuse.

The user must not use the service for any of the following:

Vantnod has the right to investigate suspected misuse, restrict service use, suspend features, remove content, notify partners or authorities and terminate the agreement immediately if the user breaches these terms or applicable law.

Use of the service is paid according to the chosen subscription, package or service tier unless stated otherwise. Prices, billing cycles, applicable transaction fees, add-on fees and other charges are stated in the service, the price list, the offer, or a separate agreement.

Charges may be collected automatically from the user's payment method or via Stripe. The user grants Vantnod and/or its payment partner the right to collect agreed charges according to the billing cycle.

Charges are exclusive of VAT unless stated otherwise. Business users are responsible for any applicable taxes, regulatory fees and other public-law charges.

If a charge cannot be collected, Vantnod may suspend or restrict service use, charge default interest and reasonable collection costs, and terminate the agreement if the charge is not paid after a reminder.

Where the user is a consumer, they may have rights under consumer protection law that these terms do not restrict. Consumers normally have a 14-day right of withdrawal in distance contracts, but for digital content and digital services the scope of withdrawal depends on the nature of the service and when supply begins.

If a consumer requests or accepts immediate commencement of a digital service before the withdrawal period ends, the consumer may lose the right of withdrawal to the extent permitted by applicable law. Vantnod requests express consent for this when the service is activated.

Where the service is used predominantly for trade or business, the user is not a consumer in respect of that use.

The agreement is in force either for an indefinite period or for a fixed term, as set out in the service tier, order, offer or separate agreement.

The user may terminate an indefinite subscription through the termination process indicated in the service. Termination takes effect at the end of the current billing period unless stated otherwise.

Vantnod may terminate the agreement on reasonable advance notice. Vantnod may also terminate or suspend the service immediately if the user materially breaches the terms, charges remain unpaid, the user provides incorrect information, the service is misused, a third party requires suspension, or continuing the service would create a legal, financial, security or reputational risk.

Vantnod develops the service continuously. Vantnod has the right to modify, add, remove or pause service features, interfaces, integrations, AI features, service tiers, pricing and technical solutions.

Where a change materially affects use of a paid service, Vantnod aims to give reasonable advance notice. This does not apply to changes required for security, law, regulatory order, third-party terms, prevention of misuse or technical operation.

Vantnod aims to provide the service reliably but does not warrant uninterrupted, error-free or fault-free operation, nor commit to a specific measurable availability percentage unless agreed in a separate service-level agreement.

The service may be temporarily unavailable due to maintenance, updates, security measures, capacity issues, errors, third-party disruptions, network issues, regulatory action or force majeure.

Vantnod is not liable for damage caused by outages, delays, temporary data unavailability or third-party disruptions, except as required by mandatory law.

All rights to the Vantnod service, its software, source code, interface, technology, database structures, brand, trademarks, texts, graphics, designs, automations, AI solutions and other related material belong to Vantnod or its licensors.

The user is granted a limited, revocable, non-exclusive and non-transferable right to use the service in accordance with these terms.

The user retains ownership of data they enter into the service, such as invoices, receipts, accounting material and other customer data. The user grants Vantnod the right to process this data to the extent required to provide, maintain, secure, debug, analyse, comply with legal obligations and develop the service.

If the user provides Vantnod with feedback, ideas, improvement suggestions or other input about the service, Vantnod has the right to use them freely without obligation to compensate, unless agreed otherwise in writing.

The service is provided ”as is” and ”as available”. Vantnod does not warrant that the service is suitable for any particular purpose, runs without interruption, is error-free, meets all of the user's business requirements or produces a particular financial, tax, accounting or other outcome.

Vantnod is not liable for indirect damages, including lost revenue, lost profits, business interruption, reputational harm, data loss, third-party claims, tax consequences, regulatory fees, late charges or other indirect damages.

Vantnod's total aggregate liability to a user is in all cases limited to the amount actually paid by the user to Vantnod for the relevant service during the six months preceding the damage. If the user has not paid for the service, Vantnod's liability is limited to a maximum of one hundred euros.

These limitations do not apply where mandatory law prohibits limitation of liability, such as for damage caused intentionally or by gross negligence.

The user undertakes to indemnify Vantnod against all damages, costs, claims, losses, sanctions, litigation costs and reasonable expert fees arising from the user's breach of these terms, unlawful conduct, incorrect information, infringement of third-party rights, payment default or misuse of the service.

Vantnod is not liable for delay, defect, interruption or damage caused by reasons outside Vantnod's control. Such reasons may include war, strike, labour dispute, pandemic, regulatory order, power outage, network failure, cyber attack, cloud-service disruption, payment-system disruption, bank or card-network disruption, natural disaster or similar event.

Vantnod has the right to modify these terms. Changes are notified in the service, by email or by another appropriate means.

Changes take effect on the date stated. If the user continues to use the service after the changes come into force, the user is deemed to have accepted them. If the user does not accept the changes, the user must stop using the service and terminate the agreement before the changes take effect.

The user may not assign the agreement or rights under it without Vantnod's written consent.

Vantnod has the right to assign the agreement, the service, the business, receivables or related rights to a group company, in connection with a transfer of business, a corporate restructuring or to another successor.

These terms and the use of the service are governed exclusively by the laws of Finland, excluding its conflict-of-laws rules.

Disputes between business users and Vantnod shall first be resolved by negotiation. If no settlement is reached, disputes are resolved by the District Court of Western Uusimaa, Finland, unless mandatory law requires otherwise.

Consumer users have the right to refer the matter to the Finnish Consumer Disputes Board and to use other remedies available under mandatory consumer protection law.