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FINEO

Terms & Conditions

Last updated: April 4, 2026

These terms and conditions apply to every offer by, every agreement with and every use of the FINEO platform and related services of Fineo B.V., with its office at Celsiusstraat 34-38, 6716 BV, Ede.

Contents

Article 1. DefinitionsArticle 2. ApplicabilityArticle 3. Nature of FINEO and the ServicesArticle 4. Formation of the AgreementArticle 5. Account and accessArticle 6. Use of FINEOArticle 7. User responsibilitiesArticle 8. AI functionalities and automated processingArticle 9. Self-service modulesArticle 10. Duty to check and verifyArticle 11. No professional advice and no guarantee of outcomeArticle 12. Availability, maintenance and changesArticle 13. Third-party integrations and external sourcesArticle 14. Data, input and user contentArticle 15. Intellectual propertyArticle 16. Subscriptions, trial period and terminationArticle 17. PaymentArticle 18. Service levels and supportArticle 19. SecurityArticle 20. IndemnityArticle 21. LiabilityArticle 22. Specific exclusion for AI-related and advisory-related damageArticle 23. Force majeureArticle 24. Privacy and data processingArticle 25. Evidence and loggingArticle 26. Changes to the termsArticle 27. Applicable law and competent courtArticle 28. Contact

Article 1. Definitions

  • 1.1 FINEO: the platform, software, website(s), applications, portals, dashboards, modules, AI functionalities, automations, interfaces, integrations, generated output, support services and other digital services offered by Fineo B.V., whether or not under the name FINEO.
  • 1.2 Fineo: Fineo B.V. and, where applicable, its group companies, assistants, subcontractors and engaged third parties.
  • 1.3 User: every natural person or legal entity using FINEO, whether or not in the course of a profession or business.
  • 1.4 Account: the User’s personal or business access environment within FINEO.
  • 1.5 Services: all services offered by Fineo, including software access, AI functionalities, automation, self-service modules, administrative support, data analysis, reporting, alerts, document processing, support and integrations with third parties.
  • 1.6 Output: all information, data, calculations, classifications, warnings, recommendations, alerts, summaries, documents, drafts, analyses, forecasts, overviews, advice, texts and other results made available by or through FINEO, regardless of whether they are created wholly or partly by AI, automation, templates, logic, external data sources or human intervention.
  • 1.7 AI functionalities: all functionalities using artificial intelligence, machine learning, large language models, OCR, classification engines, predictive systems, probabilistic models, decision logic, ranking, matching or similar automated techniques.
  • 1.8 Self-service module: each module or flow within FINEO in which the User independently enters data, answers questions, makes choices, generates documents, starts processes or receives output based on the User’s own input, without full substantive review by Fineo.
  • 1.9 Agreement: every agreement between Fineo and the User concerning the use of FINEO and/or the purchase of Services.
  • 1.10 Third party: every party other than Fineo and the User, including software providers, hosting providers, AI providers, data sources, banks, accountants, notaries, tax advisers, API partners and integration partners.

Article 2. Applicability

  • 2.1 These terms and conditions apply to every offer, quotation, Agreement and every use of FINEO and the Services.
  • 2.2 Deviations from these terms and conditions are valid only if expressly confirmed by Fineo in writing.
  • 2.3 Any general terms and conditions of the User are expressly rejected.
  • 2.4 If any provision of these terms and conditions is void or voided, the remaining provisions remain in full force. In that case, the parties will replace the invalid provision with a provision that matches the content and intent of the original provision as closely as possible.

Article 3. Nature of FINEO and the Services

  • 3.1 FINEO is a digital software and services platform for, among other things, administration, bookkeeping, document processing, invoicing, reporting, dashboards, compliance support, alerts, forecasts, automation and AI-supported workflows.
  • 3.2 Unless expressly agreed otherwise in writing, Fineo does not provide binding legal, tax, accountancy, audit, notarial, investment or other regulated professional advice tailored to the User.
  • 3.3 FINEO and all information and Output provided through FINEO are intended solely as tools, work aids or support systems and never replace the User’s own assessment or the assessment of a qualified human professional.
  • 3.4 The use of terms such as "advice", "recommendation", "tax benefit", "best practice", "optimization", "compliance", "control", "review", "alert" or similar terms within FINEO does not mean that legally binding or error-free professional advice is being provided.

Article 4. Formation of the Agreement

  • 4.1 An Agreement is formed once the User registers, takes out a subscription, purchases a Service, accepts a quotation or otherwise actually uses FINEO.
  • 4.2 Fineo is entitled to refuse an application or registration without stating reasons or to make it subject to additional conditions.
  • 4.3 If the User acts on behalf of a legal entity or other organization, that user declares that they are authorized to bind that organization legally.

Article 5. Account and access

  • 5.1 The User is responsible for creating and maintaining a secure Account and for keeping login credentials, authentication methods and access rights confidential.
  • 5.2 All actions taking place through the User’s Account are deemed to have been performed under the User’s responsibility and at the User’s expense.
  • 5.3 The User must inform Fineo immediately of unauthorized use, loss of access credentials, security incidents or any suspicion thereof.
  • 5.4 Fineo is entitled to block, limit or terminate access rights if it reasonably sees cause to do so, including in cases of misuse, security risks, non-payment or breach of these terms.

Article 6. Use of FINEO

  • 6.1 The User may use FINEO only for lawful purposes and in accordance with these terms and conditions, applicable laws and regulations and any additional instructions from Fineo.
  • 6.2 In any case, the User is not permitted to:
  • a. use FINEO in any unlawful, misleading or fraudulent way;
  • b. provide incorrect, falsified or misleading information;
  • c. disrupt or attempt to circumvent the operation, security or integrity of FINEO;
  • d. upload or distribute malware, scripts or other harmful code;
  • e. obtain unauthorized access to accounts, data or systems;
  • f. use FINEO for activities that violate applicable sanctions, anti-money laundering, tax, privacy or other regulations;
  • g. copy, reverse engineer, decompile or otherwise technically analyze FINEO or any part of it, except where mandatory law permits this.
  • 6.3 Fineo is entitled to limit, suspend or terminate use if the User acts in breach of this article.

Article 7. User responsibilities

  • 7.1 The User is fully responsible for:
  • a. the accuracy, completeness and timeliness of all supplied data;
  • b. entering and providing information on time, completely and correctly;
  • c. checking all Output before relying on it or acting on it;
  • d. engaging a suitable professional in time when the situation requires it;
  • e. complying with legal, administrative, tax, contractual and other obligations resting on the User.
  • 7.2 The User always remains responsible for:
  • a. bookkeeping choices;
  • b. tax treatment;
  • c. VAT treatment;
  • d. filings;
  • e. annual accounts;
  • f. compliance decisions;
  • g. contractual acts;
  • h. financing decisions;
  • i. legal structuring;
  • j. every act or decision based on FINEO Output.
  • 7.3 The User may not assume, without independent verification, that information provided or generated by FINEO is complete, correct, applicable or legally/tax-wise sustainable.

Article 8. AI functionalities and automated processing

  • 8.1 FINEO may use AI functionalities and other automated techniques to generate Output or support processes.
  • 8.2 The User expressly acknowledges that AI functionalities and automated systems have limitations and may produce incorrect, incomplete, inconsistent, misleading, outdated or contextually unsuitable results.
  • 8.3 AI output and other automatically generated Output may, among other things:
  • a. contain factual errors;
  • b. miss relevant context;
  • c. fail to recognize exceptions, nuances or legal changes;
  • d. make incorrect assumptions;
  • e. propose incorrect or incomplete classifications;
  • f. read or interpret documents or data incorrectly;
  • g. make incorrect tax, financial or operational suggestions;
  • h. conflict with the User’s actual situation.
  • 8.4 Fineo does not guarantee that AI functionalities or other automated functions are error-free, complete, current, compliant, reproducible or fit for a specific purpose.
  • 8.5 Every AI-generated, AI-supported or otherwise automatically produced Output must always be checked by the User and, where relevant, by a human expert before it is relied on or acted upon.
  • 8.6 Fineo is not obliged to verify AI output, classifications, predictions, recommendations, alerts or document proposals manually, unless expressly agreed otherwise in writing.

Article 9. Self-service modules

  • 9.1 FINEO may make Self-service modules available through which the User independently completes processes, answers questions, enters data and receives Output.
  • 9.2 Output from Self-service modules depends entirely on the input provided by the User, the selected settings, the automated logic and the available data.
  • 9.3 Fineo does not automatically verify whether data entered by the User is complete, correct, legally sustainable, tax-efficient or suitable for the specific situation.
  • 9.4 Use of a Self-service module does not mean that Fineo assumes file responsibility, provides individual advice, performs a human substantive review or undertakes an obligation to achieve a specific result.
  • 9.5 The User remains fully responsible for every decision, filing, processing, implementation or follow-up action based on Self-service Output.

Article 10. Duty to check and verify

  • 10.1 The User always has an independent and full duty to check.
  • 10.2 The User must in any case check personally:
  • a. all entered data;
  • b. bank transactions and classifications;
  • c. VAT and tax treatment;
  • d. warnings and deadlines;
  • e. returns and draft returns;
  • f. documents, contracts and forms;
  • g. annual accounts, reports and forecasts;
  • h. recommendations and alerts;
  • i. every form of AI output or automated Output.
  • 10.3 If the consequences of an error may be significant, including tax, legal, contractual, financing or compliance consequences, the User must always engage a competent human professional.
  • 10.4 The absence of a warning, alert or error message within FINEO can never be interpreted as confirmation that an action is correct, complete, compliant or risk-free.

Article 11. No professional advice and no guarantee of outcome

  • 11.1 Unless expressly agreed otherwise in writing, Fineo does not provide professional advice tailored to the User’s specific circumstances in a regulated sense.
  • 11.2 Output from FINEO may not be regarded as a substitute for advice from an accountant, tax adviser, notary, lawyer, compliance officer or other competent professional.
  • 11.3 Fineo gives no guarantee of any specific result, saving, tax treatment, acceptance by third parties, legal validity, error-free processing, compliance status, financing result or commercial added value.

Article 12. Availability, maintenance and changes

  • 12.1 Fineo strives for a properly functioning and reasonably available platform, but does not guarantee uninterrupted or error-free availability.
  • 12.2 Fineo is entitled to temporarily take FINEO or parts of it out of service for maintenance, updates, upgrades, security measures, migrations, recovery work or improvement of functionalities.
  • 12.3 Fineo is entitled to change, expand, limit or discontinue the content, structure, design, functionalities, rates, plans and parts of FINEO.
  • 12.4 Fineo is not liable for damage resulting from malfunctions, delays, maintenance, security incidents, changed functionalities, temporary unavailability or discontinuation of functions.

Article 13. Third-party integrations and external sources

  • 13.1 FINEO may contain integrations with systems, software, data sources and services of Third Parties.
  • 13.2 Fineo has no control over and accepts no responsibility for the content, accuracy, continuity, availability, security or operation of services of Third Parties.
  • 13.3 Errors, delays, data loss, duplicates, incorrect synchronizations, incorrect imports, deviating classifications or other problems caused by Third Parties are at the User’s expense and risk.
  • 13.4 Additional terms of Third Parties may apply to third-party services or software. The User is personally responsible for complying with them.

Article 14. Data, input and user content

  • 14.1 The User remains responsible for all data, documents, files, texts, prompts, instructions, entries, images, transactions and other information supplied, uploaded, connected, synchronized or otherwise made available through FINEO.
  • 14.2 The User warrants that it is entitled to use and share this data and that the data does not infringe rights of Third Parties or applicable laws and regulations.
  • 14.3 Fineo is not liable for damage resulting from incorrect, incomplete, outdated, contradictory or misleading input from the User.
  • 14.4 Fineo is entitled to process data insofar as necessary for performance of the Agreement, improvement of the Services, security, support, logging, quality purposes and compliance with legal obligations, all in accordance with applicable privacy legislation.

Article 15. Intellectual property

  • 15.1 All intellectual property rights relating to FINEO and the Services, including software, source code, object code, interfaces, design, AI logic, prompts, workflows, dashboards, data files, models, document structures, templates, texts, trademarks and know-how, vest exclusively in Fineo or its licensors.
  • 15.2 The User obtains only a limited, non-exclusive, non-transferable and revocable right of use for the duration of the Agreement and solely for the agreed use.
  • 15.3 The User is not permitted to reproduce, publish, sell, sublicense, reverse engineer or otherwise exploit any part of FINEO outside normal permitted use.

Article 16. Subscriptions, trial period and termination

  • 16.1 Fineo may offer FINEO on a subscription basis, project basis, usage basis, trial basis or a combination thereof.
  • 16.2 If a free trial period is offered, Fineo may attach conditions to it, including limitations in functionality, duration or use.
  • 16.3 Unless agreed otherwise in writing, subscriptions have a term per month and may be cancelled monthly effective at the end of the current subscription period.
  • 16.4 Fineo is entitled to change prices, plans, functionalities and subscription models. Changes will be communicated in time and apply from the effective date indicated by Fineo.
  • 16.5 Amounts already paid will not be refunded unless mandatory law provides otherwise.
  • 16.6 Fineo may suspend or terminate the Agreement with immediate effect if:
  • a. the User fails to perform its obligations;
  • b. there is misuse or unlawful use;
  • c. there is payment arrears;
  • d. the continuity or security of FINEO is endangered;
  • e. Fineo is obliged to do so under laws or regulations or by order of a competent authority.

Article 17. Payment

  • 17.1 Unless agreed otherwise, all amounts are exclusive of VAT and other government levies.
  • 17.2 Invoices must be paid within the payment term stated on the invoice. If no term is stated, a payment term of fourteen days after the invoice date applies.
  • 17.3 If payment is not made on time, the User is in default by operation of law and Fineo is entitled to charge statutory interest and collection costs and to suspend Services.
  • 17.4 The User is not entitled to suspend, withhold, set off or discount payments unless mandatory law provides otherwise.

Article 18. Service levels and support

  • 18.1 Unless expressly agreed otherwise in writing, any service levels, response times, availability percentages or support levels stated by Fineo apply only as best-efforts obligations and never as result obligations.
  • 18.2 Fineo is not liable for failing to meet non-contractually fixed service expectations or target values.
  • 18.3 Support by Fineo extends only to reasonable support in using FINEO and does not automatically mean that Fineo assesses the substantive, legal, tax or strategic correctness of the User’s underlying situation.

Article 19. Security

  • 19.1 Fineo will take reasonable technical and organizational measures to secure FINEO and the data processed in it.
  • 19.2 Fineo does not, however, guarantee that security is fully effective under all circumstances.
  • 19.3 The User is personally responsible for appropriate internal security measures, including secure device management, access management, password policy, MFA use and protection against malware and phishing.

Article 20. Indemnity

  • 20.1 The User fully indemnifies Fineo against all third-party claims, damage, costs, fines, interest, losses and demands related to:
  • a. incorrect, incomplete or unlawful data supplied by the User;
  • b. use of FINEO in breach of these terms or applicable law;
  • c. acts or omissions of the User based on Output;
  • d. failure to check AI output or other Output;
  • e. infringement of rights of Third Parties;
  • f. tax, legal or administrative consequences of decisions by the User.

Article 21. Liability

  • 21.1 To the extent permitted by law, all liability of Fineo is excluded, except in the event of intent or deliberate recklessness by Fineo’s management.
  • 21.2 Fineo is in particular not liable for damage arising from or related to:
  • a. errors in AI output;
  • b. incorrect or incomplete automated classifications;
  • c. inaccuracies in Self-service Output;
  • d. incorrect reading of documents or OCR errors;
  • e. inaccuracies in recommendations, summaries, warnings or alerts;
  • f. missed deadlines, notifications or tax opportunities;
  • g. incorrect, incomplete or late actions by the User;
  • h. inaccuracies in data from Third Parties;
  • i. malfunctions, bugs, downtime or security incidents;
  • j. loss of data;
  • k. decisions of the User or Third Parties based on FINEO Output.
  • 21.3 Fineo is never liable for indirect or consequential damage, including:
  • a. loss of profit;
  • b. missed savings;
  • c. missed tax benefits;
  • d. additional tax assessments;
  • e. fines;
  • f. interest;
  • g. reputational damage;
  • h. loss of goodwill;
  • i. claims from customers, suppliers, investors, authorities or other Third Parties;
  • j. business interruption;
  • k. loss of data;
  • l. costs of replacement services.
  • 21.4 If and insofar as any liability of Fineo is established despite the foregoing, that liability is limited per event and per calendar year to the amount actually paid by the User to Fineo for the relevant Service in the twelve months preceding the damaging event.
  • 21.5 If no payment history exists or if that benchmark is not applicable for any reason, Fineo’s liability is limited to EUR 500.
  • 21.6 Any claim against Fineo lapses if it is not submitted in writing with reasons within twelve months after the User became aware or could reasonably have become aware of the damage.

Article 22. Specific exclusion for AI-related and advisory-related damage

  • 22.1 The User expressly accepts that Fineo bears no liability for any damage, loss, costs, claims, fines, levies, missed opportunities or other adverse consequences that directly or indirectly result from the use of AI-generated, AI-supported, automatically derived or otherwise automatically generated Output.
  • 22.2 This also applies where such Output concerns:
  • a. tax treatment;
  • b. administrative processing;
  • c. contracts or documents;
  • d. corporate structures;
  • e. financing choices;
  • f. reports;
  • g. compliance;
  • h. interpretations of laws and regulations;
  • i. recommendations for follow-up actions;
  • j. alerts or the absence thereof.
  • 22.3 The User acknowledges that Fineo accepts no liability for damage arising because the User or a Third Party relied on such Output without independent human verification.

Article 23. Force majeure

  • 23.1 Fineo is not obliged to perform any obligation if it is prevented from doing so due to force majeure.
  • 23.2 Force majeure includes, among other things, telecommunication or internet failures, hosting outages, AI provider outages, failures at Third Parties, cyber incidents, power failures, government measures, pandemics, labor conflicts, fire, water damage, war, terrorism and other circumstances beyond Fineo’s control.

Article 24. Privacy and data processing

  • 24.1 If Fineo processes personal data, this will be done in accordance with applicable privacy legislation and Fineo’s privacy statement.
  • 24.2 If and insofar as Fineo acts as a processor within the meaning of the GDPR, Fineo may require a separate data processing agreement to be concluded.
  • 24.3 The User warrants that it provides personal data to Fineo lawfully and has a valid legal basis for that processing.

Article 25. Evidence and logging

  • 25.1 Administrative data, log files, system records, timestamps, communications and digital records stored by Fineo constitute binding evidence, subject to proof to the contrary, of the content of communications, the use of FINEO, actions performed and Output generated.
  • 25.2 Fineo is entitled to retain and use such data for, among other things, support, security, compliance, dispute resolution and product improvement.

Article 26. Changes to the terms

  • 26.1 Fineo is entitled to amend these terms and conditions.
  • 26.2 Amended terms take effect on the date indicated by Fineo.
  • 26.3 If the User continues to use FINEO after amended terms take effect, this is deemed acceptance of those amended terms.

Article 27. Applicable law and competent court

  • 27.1 All legal relationships between Fineo and the User are governed exclusively by Dutch law.
  • 27.2 All disputes will be submitted exclusively to the competent court in the district where Fineo has its registered office, unless mandatory law provides otherwise.

Article 28. Contact

  • If you have questions about these terms, you can contact Fineo B.V. via the contact form or the contact details on the website.