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    Terms of Service

    Last updated: 2026-08-02

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    1. General

    These Terms of Service ("Terms") govern the use of the Salkkunen rental property management application ("Service") provided by Pohjantähti Kiinteistöt Oy, business ID 3457557-4, Pekkalantie 6 A17, 15560 Nastola, Finland ("Provider").

    By registering for or using the Service, you ("Customer") agree to these Terms. If you do not agree, you must not use the Service.

    These Terms apply to all use of the Service, including the free tier, paid subscriptions, and any additional features such as the marketplace and digital signing.

    These Terms are provided in Finnish and English. In case of any discrepancy between the language versions, the Finnish version shall prevail.

    2. Definitions

    • Service — The Salkkunen web application and all related features, APIs, and background processing.
    • Customer — A natural person or legal entity that registers for and uses the Service.
    • User — Any individual who accesses the Service under a Customer account.
    • Customer Data — All data entered, uploaded, or generated by the Customer in the Service, including property, tenant, financial, and lease data.
    • Subscription — A recurring paid plan (FREE or PRO) that determines the features and limits available to the Customer.

    3. Service Description

    Salkkunen is a property management tool that provides the following capabilities:

    • Property and unit management
    • Tenant management
    • Lease creation and digital signing
    • Rent tracking and automated payment matching via open banking (PSD2)
    • Expense tracking with receipt storage
    • Loan and capital fee management
    • Tax report generation and submission to the Finnish Tax Administration
    • Financial calculators with shareable links
    • Property marketplace with auction functionality
    • Property valuation suggestions
    • Notifications via email and SMS

    The Provider reserves the right to modify, add, or remove features of the Service. Significant changes affecting paid features will be communicated with reasonable advance notice.

    4. Registration and Account

    To use the Service, you must register with a valid email address and verify it. You are responsible for providing accurate registration information and keeping your credentials confidential.

    You must not share your account credentials with third parties. You are responsible for all activity that occurs under your account. If you suspect unauthorized access, you must notify the Provider immediately.

    The Provider may suspend or terminate accounts that violate these Terms or are used for fraudulent purposes.

    5. Subscriptions and Pricing

    5.1 Subscription Tiers

    The Service offers the following tiers:

    • FREE — Up to 3 units, basic property management features (manual CRUD operations).
    • PRO — Unlimited units with advanced features including automated rent tracking, digital signing, tax reporting, and banking integration. Pricing is based on a monthly base fee plus a per-unit fee.

    5.2 Trial Period

    First-time PRO subscribers receive a 90-day trial period. During the trial, certain features (such as digital signing) may be restricted. The trial converts to a paid subscription automatically unless cancelled before the trial period ends.

    5.3 Pricing Changes

    The Provider may adjust pricing with at least 30 days' advance notice. Price changes take effect at the beginning of the next billing cycle. Continued use of the Service after a price change constitutes acceptance of the new pricing.

    6. Payment Terms

    Subscription fees are billed monthly in advance via Stripe. The Customer is responsible for ensuring valid payment information is on file.

    If a payment fails, the account is placed in read-only mode immediately. Full access is restored automatically upon successful payment retry. Prepaid fees are non-refundable, except where required by applicable law.

    Per-unit fees are calculated based on the number of active (non-deleted, non-sold) units at the time of billing.

    7. Customer Obligations

    The Customer agrees to:

    • Use the Service only for its intended purpose of rental property management.
    • Provide accurate and up-to-date information.
    • Comply with all applicable laws and regulations, including tax and tenancy laws.
    • Not attempt to reverse-engineer, copy, or resell the Service or any part of it.
    • Not use the Service for any illegal, fraudulent, or harmful purpose.
    • Not interfere with the Service's operation or attempt unauthorized access to its systems.
    • Not upload malicious files, viruses, or harmful content.
    • Maintain the security of account credentials and notify the Provider of any breach.

    8. Intellectual Property

    All intellectual property rights in the Service, including software, design, trademarks, and documentation, belong to the Provider. These Terms do not transfer any intellectual property rights to the Customer.

    The Customer retains all rights to their Customer Data. The Provider does not claim ownership over any data entered by the Customer. The Provider may use anonymized and aggregated usage data for service improvement and statistical purposes.

    8.1 Data Export and Portability

    The Customer has the right to export all Customer Data at any time during an active subscription. Export is available in standard CSV format covering all data categories including properties, leases, tenants, rents, payments, expenses, and loans.

    This right is unconditional and not limited by subscription tier. The Provider will not restrict, delay, or charge for data export. Upon termination, the Customer may request a full data export within 30 days as specified in Section 15.3.

    9. Data and Privacy

    The processing of personal data is governed by our Privacy Policy, which forms an integral part of these Terms.

    The Customer is responsible for ensuring they have appropriate legal bases for processing tenant personal data entered into the Service (e.g., a lease agreement or legitimate interest as a landlord).

    Where the Customer acts as a data controller and the Provider processes personal data on the Customer's behalf, the Provider acts as a data processor. Such processing is governed by the Data Processing Agreement in Annex 1, which the parties enter into by accepting these Terms.

    10. Third-Party Services

    The Service integrates with third-party services to provide certain features. The Customer acknowledges that use of these integrations is subject to the respective third party's own terms:

    • Banking (Enable Banking) — PSD2 open banking for transaction retrieval. Requires explicit bank consent from the Customer.
    • Payments (Stripe) — Subscription billing and marketplace payment processing. Subject to Stripe's Terms of Service.
    • Digital Signing (Signicat) — Electronic signature and identity verification services.
    • Tax Submission (Vero) — Direct submission of rental income reports to the Finnish Tax Administration.

    The Provider is not responsible for the availability, accuracy, or terms of third-party services. Outages or changes in third-party services may temporarily affect related features of the Service.

    11. Marketplace Terms

    The marketplace feature enables auction-based property sales between users. By using the marketplace, the Customer additionally agrees to the following:

    • Identity verification — Bidders must complete identity verification via the Finnish Trust Network (FTN) and register a valid payment card before placing bids.
    • Bid commitment — Bids are binding. A payment hold is placed on the bidder's card when a bid is submitted. The hold is captured upon winning or released upon losing.
    • Commission — A commission fee of 0.9% of the winning bid is charged to the seller upon successful completion of a sale.
    • No guarantee — The Provider acts as a platform facilitator only. The Provider does not guarantee the accuracy of listing data, the condition of properties, or the completion of transactions between parties.
    • Reserve price — Sellers may set a hidden reserve price. If the highest bid does not meet the reserve, the seller has 24 hours to accept or decline.

    12. Service Availability

    The Provider aims to maintain high availability of the Service but does not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable due to:

    • Planned maintenance (communicated in advance when possible)
    • Unplanned outages or technical issues
    • Third-party service disruptions
    • Force majeure events

    The Provider will make reasonable efforts to resolve any disruptions promptly. No compensation is provided for service downtime, except where explicitly agreed in a separate service level agreement.

    13. Limitation of Liability

    To the maximum extent permitted by applicable law:

    • The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied.
    • The Provider is not liable for any indirect, incidental, special, or consequential damages, including lost profits, lost data, or business interruption.
    • The Provider's total aggregate liability for any claim arising from the use of the Service is limited to the total fees paid by the Customer during the two (2) months immediately preceding the event giving rise to the claim, up to a maximum of ten thousand (10,000) euros.
    • The Provider is not liable for the accuracy of tax calculations, valuation suggestions, or financial data. The Customer is responsible for verifying all financial information before relying on it for legal, tax, or investment purposes.
    • The Provider is not liable for actions or omissions of third-party service providers (Stripe, Enable Banking, Signicat, Vero).

    Nothing in these Terms limits the Provider's liability for damage caused intentionally or through gross negligence, or a consumer Customer's rights under mandatory consumer protection legislation.

    14. Force Majeure

    Neither party is liable for delays or failures in performance caused by events beyond reasonable control, including but not limited to natural disasters, pandemics, war, government actions, power outages, internet failures, or cyberattacks. If a force majeure event continues for more than three (3) months, either party may terminate the agreement.

    15. Termination

    15.1 By Customer

    The Customer may cancel their subscription at any time through the Service. The cancellation takes effect at the end of the current billing period. The Customer may continue using the Service until the end of the paid period.

    The Customer may request deletion of their account and all associated data by contacting the Provider. Data deletion is performed within 30 days, subject to legal retention obligations.

    15.2 By Provider

    The Provider may terminate or suspend the Customer's access:

    • Immediately, for material breach of these Terms.
    • Immediately, for fraudulent or illegal use of the Service.
    • With 30 days' notice, for any other reason.

    15.3 Effect of Termination

    Upon termination, the Customer's access to the Service is revoked. The Customer may request export of their data within 30 days after termination. After this period, Customer Data may be permanently deleted.

    16. Confidentiality

    Both parties agree to keep confidential any non-public information disclosed during the use of the Service. This obligation does not apply to information that is publicly available, independently developed, or required to be disclosed by law.

    17. Changes to These Terms

    The Provider may modify these Terms at any time. Changes will be communicated via email or in-app notification at least 30 days before taking effect. Continued use of the Service after the effective date constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and cancel your subscription.

    18. Governing Law and Dispute Resolution

    These Terms are governed by the laws of Finland, without regard to conflict of law principles.

    Any disputes arising from these Terms or the use of the Service shall first be attempted to be resolved through negotiation.

    Business customers: If a resolution cannot be reached, disputes shall be settled by arbitration in accordance with the rules of the Arbitration Institute of the Finland Chamber of Commerce. The arbitration shall take place in Helsinki, Finland, and shall be conducted in Finnish.

    Consumer customers: The arbitration clause does not bind consumers. A consumer may bring claims before the district court of their place of residence and may refer disputes to the Consumer Disputes Board (kuluttajariitalautakunta): kuluttajariita.fi

    19. Contact

    For questions about these Terms, contact us:

    Email: info@pohjantahtikiinteistot.fi
    Or submit a support ticket within the Service.

    Annex 1 — Data Processing Agreement

    A1.1 General

    This Data Processing Agreement ("DPA") forms an integral part of the Terms and is entered into between the Customer and the Provider upon acceptance of the Terms. It applies where the Customer acts as a data controller under the EU General Data Protection Regulation (EU) 2016/679 ("GDPR") and the Provider processes personal data on the Customer's behalf as a data processor — in particular tenant personal data entered into the Service by the Customer.

    A1.2 Subject Matter, Duration, Nature and Purpose

    The Provider processes personal data entered into the Service by the Customer for the purpose of providing the Service: storage, lease creation and digital signing, rent tracking and payment matching, expense management, and related notifications. Processing continues for the duration of the Customer's account and the post-termination period described in Section 15.3.

    A1.3 Data Subjects and Categories of Personal Data

    Data subjects: tenants, alternative payers, and other individuals whose data the Customer enters into the Service. Categories of personal data: names, contact details (email, phone), lease terms, payment and occupancy history, and digitally signed contract documents.

    A1.4 Instructions

    The Provider processes personal data only on documented instructions from the Customer. The Customer's use of the Service's features constitutes the Customer's instructions. The Provider will inform the Customer if, in its opinion, an instruction infringes the GDPR or other applicable data protection law.

    A1.5 Confidentiality

    The Provider ensures that persons authorized to process personal data have committed themselves to confidentiality or are under an appropriate statutory obligation of confidentiality.

    A1.6 Security

    The Provider implements appropriate technical and organizational measures as required by Article 32 GDPR, including encryption of data in transit (TLS), encryption of stored files at rest, cryptographic hashing of credentials, and access controls restricting personal data to authorized personnel. The measures are described in more detail in Section 6 of the Privacy Policy.

    A1.7 Sub-processors

    The Customer grants a general authorization for the use of the sub-processors listed in Section 5 of the Privacy Policy. The Provider will inform the Customer of intended additions or replacements of sub-processors via email or in-app notification, giving the Customer the opportunity to object on reasonable grounds. The Provider imposes data protection obligations on its sub-processors equivalent to those in this DPA. Transfers outside the EEA are protected by Standard Contractual Clauses or an applicable adequacy decision (including the EU-US Data Privacy Framework).

    A1.8 Assistance

    Taking into account the nature of the processing, the Provider assists the Customer with appropriate technical and organizational measures in responding to data subject rights requests (Articles 12-23 GDPR) and in complying with the Customer's obligations under Articles 32-36 GDPR.

    A1.9 Personal Data Breach

    The Provider notifies the Customer without undue delay after becoming aware of a personal data breach concerning personal data processed on the Customer's behalf, and provides the information reasonably required for the Customer to meet its own notification obligations.

    A1.10 Deletion and Return of Data

    Upon termination of the agreement, the Customer may export their data as described in Sections 8.1 and 15.3. After the export period, the Provider deletes the personal data unless applicable law requires continued retention.

    A1.11 Audit

    The Provider makes available to the Customer the information necessary to demonstrate compliance with this DPA. The Customer may conduct an audit at most once per calendar year, at its own expense, upon at least 30 days' written notice, during normal business hours, and without access to other customers' data or the Provider's trade secrets. A recognized third-party audit report or certification may be provided in lieu of an on-site audit.

    © 2026 Pohjantähti Kiinteistöt Oy. All rights reserved.