Terms of Service

Service Provider

The service is provided by:

Katse Holding Oy Business ID: 3274118-8 Registered office: Helsinki, Finland Email: support@clarifo.com

Description of the Service

Clarifo is a software service that analyzes financial data and company filings, using artificial intelligence to produce summaries, comparisons and other analyses based on public financial statements and market data. The service is intended for professional and research use, not as investment, tax or legal advice.

We reserve the right to develop, modify or discontinue individual features of the service.

Formation of the Agreement and User Account

An agreement on these terms is formed when the user registers for the service or begins using the service. The user warrants that the information they provide is accurate and up to date.

The user is responsible for keeping their credentials confidential and for all activity that takes place under their account. The user must notify us without delay if they suspect that their account has been compromised.

Acceptable Use and User Obligations

The user undertakes to use the service in accordance with applicable law, good practice and these Terms.

The user must not:

• use the service in violation of the law or the rights of third parties.
• attempt to gain unauthorized access to the service's systems, data or other users' accounts.
• place an unreasonable load on the service, for example through automated scraping, crawling, bots or excessive requests, unless such use has been separately agreed in writing.
• circumvent or remove usage limits, authentication mechanisms or security features of the service.
• resell, sublicense or transfer the service or its output to third parties without our written permission.

Pricing and Payments

The service may include both free and paid features. The applicable prices and subscription options are described on the service's pricing page. Prices are exclusive of VAT unless otherwise stated.

Subscriptions renew automatically for the next subscription period unless the user cancels before the end of the current period. Fees already paid are generally non-refundable, except where mandatory consumer law requires otherwise.

AI-Generated Content and Content Disclaimer

The service produces AI-assisted analyses based on publicly available financial filings, market data and other sources. The user understands and accepts that:

• AI-generated content may contain errors, omissions or out-of-date information.
• The analyses, key figures, forecasts and summaries produced by the service are general information only and do not constitute investment, tax, accounting or legal advice.
• The user is solely responsible for their decisions and for the information they rely on. We recommend verifying sources and results against the original official documents before making decisions.

Clarifo is not an investment firm within the meaning of the Finnish Investment Services Act and does not provide individual investment recommendations.

Intellectual Property

The service, its software, user interface, trademarks and other content are the property of Katse Holding Oy or its licensors and are protected by intellectual property rights. For the duration of the agreement, the user is granted a limited, non-exclusive and non-transferable right to use the service in accordance with these Terms.

Content submitted to the service by the user (such as notes, questions or workspace documents) remains owned by the user. The user grants Clarifo the right to process such content to the extent necessary to provide and improve the service, in accordance with these Terms and the privacy policy.

Limitation of Liability

The service is provided "as is". To the extent permitted by law, Clarifo is not liable for interruptions, errors, loss of data, or for any indirect or consequential damages arising from the use of the service or from decisions made on the basis of it, including loss of profit or revenue.

Clarifo's total liability to the user is in any case limited to the amount paid by the user for the service during the 12 months preceding the event giving rise to the claim. This limitation does not apply to damages caused intentionally or by gross negligence, nor does it limit liability that cannot be limited under mandatory law.

Suspension and Termination

The user may cancel their subscription and close their account at any time from the service settings or by contacting support@clarifo.com.

Clarifo may suspend or terminate access if the user breaches these Terms, uses the service fraudulently, or creates a risk for the service or its other users. For material breaches, Clarifo may terminate access immediately without prior notice.

Changes to These Terms

We may amend these Terms in response to changes in the service, applicable law or our business. Material changes will be notified in the service or by email at least 30 days before they take effect. If the user continues to use the service after the changes take effect, they are deemed to have accepted the amended Terms.

Governing Law and Disputes

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

Any disputes shall primarily be resolved through negotiation. If no settlement is reached, disputes shall be resolved by the District Court of Helsinki. Consumer customers also have the right to bring the matter before the Consumer Disputes Board (kuluttajariita.fi) or the district court of their place of residence.

Contact

Questions about these Terms can be sent to:

Katse Holding Oy Business ID: 3274118-8 Registered office: Helsinki, Finland Email: support@clarifo.com