Terms of Service

These terms set out how we work together: the service we provide, your access to the platform, and the responsibilities on each side.

Please read them alongside the engagement agreement we sign with you, which sets your specific scope, price and start date.

These terms govern the relationship between MinCFO Sverige AB, company registration number 559525-9259 (MinCFO, we, us and our) and the company that engages us (you and your). They apply to the finance service we provide and to your access to the MinCFO platform.

Your specific scope, price and start date are set out in the engagement agreement we sign with you. If anything in that agreement conflicts with these terms, the agreement applies.

By signing an engagement agreement, or by using the service or the platform, you accept these terms.

We become your finance function. Depending on the scope we agree, we run the operational finance work and pair it with reporting and advice. This typically includes:

• Ongoing bookkeeping, accounts payable and receivable, and bank reconciliations
• VAT and employer declarations
• Payroll, including holiday and sick leave
• Monthly closes, quarterly reports and year-end preparation
• Forecasting, budgeting and scenario work
• A personal controller and a CFO on demand for decisions, board and investors

The exact deliverables and their timing are defined in your agreement. We deliver them with professional care and skill.

We are not your statutory auditor, and our work does not replace an audit where one is required by law.

As part of the service you get access to the MinCFO platform, where you follow your results, cash position, key figures and any flagged items in real time.

The platform is provided to you solely in connection with the service. We grant you a non-exclusive, non-transferable right to use it for your own business while the service is active. It is operated by us or by an affiliated provider on our behalf, and parts of it may be licensed from third parties.

You agree not to copy, resell, reverse engineer or attempt to gain unauthorised access to the platform, and to keep your login details secure. We may improve, change or withdraw features over time. If the service ends, your access to the platform ends with it.

For us to do our work, you agree to:

• Give us accurate, complete and timely information
• Grant the access we need to your bank, Skatteverket and your accounting and payroll systems
• Appoint a main contact who can review and give approvals
• Approve filings and reports within a reasonable time

You remain responsible for the information you give us and for the decisions you make based on our work. The company and its board keep the responsibilities placed on them by law. We act on the information and instructions you provide.

You pay a fixed monthly price for the agreed scope, as set out in your agreement. Work outside that scope is agreed separately before we start it.

We invoice monthly unless we agree otherwise. Invoices are due within the period stated on them. All prices are exclusive of VAT, which we add where it applies.

For late payment we may charge interest under the Swedish Interest Act (räntelagen). If an invoice stays unpaid after we have reminded you, we may pause the service until payment is made.

We may adjust the price once a year in line with labour cost indexation, and at other times if your volumes change significantly, in each case with prior notice as set out in your agreement.

The service starts on the date in your agreement and runs for an initial term of three months. After that it continues until either of us gives one month's written notice, unless your agreement says otherwise.

Either of us may end the agreement earlier if the other commits a material breach and does not put it right within a reasonable time after being asked to.

When the service ends, you pay for the work done up to that point, and on request we give you your data and records in an exportable format within sixty days. Sections meant to last, such as confidentiality and liability, continue to apply.

The service connects to tools you already use, such as Fortnox, your bank, Skatteverket and payroll providers. You authorise us to access these on your behalf to deliver the service.

We are not responsible for these third-party services, their availability, or changes they make. Your use of them stays subject to their own terms.

We treat your information as confidential. We use it only to deliver the service, limit access to the people who need it, and do not share it with anyone else except where you ask us to or the law requires it.

This duty continues for three years after the service ends. Your records and business data remain yours.

We handle financial and personal data with care and in line with applicable data protection law, including the GDPR. We host the platform and your financial data with our cloud infrastructure provider in the EU.

Where we process personal data on your behalf, we do so under a separate data processing agreement, and any transfer of personal data outside the EEA is covered by appropriate safeguards such as Standard Contractual Clauses. How we handle personal data, and the subprocessors we use, is described in our Privacy Policy.

The platform, along with our templates, models, methods and other materials, belongs to us or our licensors. While the service is active you may use them for your own business, but no other rights pass to you.

Your data, your accounts and the records we produce for you belong to you.

We may use anonymised, aggregated data derived from your use of the service to operate and improve the platform, provided it cannot be linked back to you.

We may name you as a client and show your name and logo in our marketing and on our website. You can withdraw this with thirty days' written notice. Detailed customer stories, quotes or case studies always need your written approval first.

We provide the service with reasonable skill and care. Our advisory work is decision support. It does not guarantee a particular financial outcome, and the decisions remain yours.

To the extent the law allows, our total liability for any claim connected to the service is limited to the fees for the twelve months before the claim arose, and in any case to the cap set out in your agreement. We are not liable for indirect or consequential loss, including lost profit, lost revenue or lost data.

Nothing in these terms limits liability that cannot be limited under Swedish law, such as liability for gross negligence or wilful misconduct.

We carry professional liability insurance for our work. Any claim must be raised in writing within the time limits set out in your agreement.

We may update these terms from time to time. We give at least thirty days' notice of any significant change, and you may end the agreement if you do not accept it. If you keep using the service after a change takes effect, you accept the updated terms.

These terms are governed by Swedish law. We first try to resolve any dispute through good-faith discussion. If we cannot, it will be settled by the Swedish courts, with Göteborgs tingsrätt as the court of first instance.

If you have any questions about these terms, contact us at victor@mincfo.com, or write to us at one of our offices: Västra Hamngatan 11, Gothenburg, or Stora Nygatan 33, Stockholm.