Terms of Service

1. The service

Clairtax provides software that parses DEGIRO transaction exports and produces capital gains summaries and related outputs for informational purposes only. The service is offered “as is” and may change or be discontinued at any time.

2. Not tax, legal, or investment advice

Clairtax is not a tax adviser, law firm, or financial adviser. Output may contain errors, omissions, or interpretations that do not match your situation. You are solely responsible for verifying figures and complying with Finnish tax law, Vero guidance, and any applicable rules. Always confirm with a qualified professional or the tax authorities when in doubt.

3. Eligibility

You must be at least 18 years old, or have permission from a parent or guardian where applicable law allows, to use paid features. You must have the right to upload any files you submit.

4. Your data and privacy

Our processing of personal data is described in the Privacy Policy. By using Clairtax, you acknowledge that uploads are processed on our systems for the purpose of generating results.

5. Payments

Paid access, where offered, is processed by Stripe. Card and payment method data are collected and stored by Stripe under its own terms and PCI DSS compliance; Clairtax does not store your full card details. Fees, taxes, and refunds are as shown at checkout or as required by law.

6. Acceptable use

You agree not to:

• Use the service in violation of law or third-party rights.
• Attempt to disrupt, overload, reverse engineer, or probe the service beyond normal use.
• Upload malware or content you do not have rights to use.
• Circumvent paywalls, rate limits, or security controls.

7. Intellectual property

Clairtax, its branding, and the software are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable licence to use the service for your personal tax preparation workflow. You may not resell or redistribute the service as a competing product.

8. Disclaimers

To the fullest extent permitted by law, Clairtax disclaims all warranties, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that results are accurate, complete, or accepted by any tax authority.

9. Limitation of liability

To the fullest extent permitted by applicable law, Clairtax and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use of the service. Our total liability for any claim relating to the service shall not exceed the amount you paid us for the service in the twelve (12) months before the claim, or fifty euros (€50), whichever is greater, except where liability cannot be limited under mandatory law (including Finnish consumer protection where applicable).

10. Indemnity

You agree to indemnify and hold harmless Clairtax against claims arising from your misuse of the service, your uploads, or your violation of these terms, except to the extent caused by our wilful misconduct.

11. Governing law and disputes

These terms are governed by the laws of Finland, without regard to conflict-of-law rules. If you are a consumer in the EU, you may also have mandatory rights in your country of residence. Courts in Finland have jurisdiction, subject to any mandatory consumer protections.

12. Changes

We may update these terms. Continued use after changes constitutes acceptance of the updated terms where permitted by law. If you do not agree, stop using the service.

13. Contact

Questions: hello@clairtax.com