Kevyesti.fi General Terms of Use (updated 07.08.2025)

These general terms and conditions of use of the Kevyesti.fi services (hereinafter referred to as
”Terms of Use” or ”Agreement”) apply to Kevyesti.fi Oy's
(“Service Provider”) to provide the billing service and related
payment services (hereinafter collectively ”Services” and each separately
”Service”), which are offered on Kevyesti.fi. Kevyesti.fi may also
offer certain additional services in connection with their payment services, which may include.
Information provided by Kevyesti.fi and/or its partners
(”Additional Services”). Additional Services may also be separate from Payment Services.
additional services.

1. Parties and adoption of the agreement

The parties to the agreement are Kevyesti.fi and the user of the service.
a natural person acting as a trader (”User”).

You accept these Terms of Use by registering for the Services
context. By accepting these terms and conditions, you declare that you have read and understood.
the Terms of Use and agrees to be bound by all terms of service and additional services, such as a loan,
to comply with these Terms of Use.

2. Definitions

User interface: For the user of the service provider
at online.kevyesti.fi interface, through which
allows the user to manage and monitor the user account.
payment orders and other transactions, services and information.

Price list: The current Service Price List of the Service Provider, which is available on the website.

Payee: The legal or natural person to whom the funds are transferred by the service provider in accordance with the payment order.

Payment transaction: The act of transferring, withdrawing or making funds available to a payee.

Payment order: An instruction given by the User or the Payee to his or her service provider to execute a Payment Transaction.

Laina: A loan granted by the service provider to the user.

User account: A user account created for a user to receive services.

Privacy policy: The Service Provider's current privacy and personal data processing policies, which are published online at. kevyesti.fi/privacy-policy.

Subscriber: The user's employer, who orders work from the user. The client can be either a natural person or a legal entity.

3. Information about the service provider

The Service Provider (Business ID: 3265482-6) is a Finnish limited liability company with its registered office in Vantaa, Finland, and its head office at Kellokukantie 4, 01300 Vantaa.

The service provider is the Financial Supervisory Authority (address: P.O. Box 103, 00101 Helsinki; web address: finanssivalvonta.fi) as a payment services entity. The service provider's payment service activities are based on a notification approved by the Finnish Financial Supervisory Authority in accordance with Section 8 of the Payment Institutions Act (297/2010), which entitles the service provider to provide payment services in Finland. Information on payment service providers supervised by the Finnish Financial Supervisory Authority is available in the Register of Payment Institutions maintained by the Finnish Financial Supervisory Authority at:

finanssivalvonta.fi/registers/valvottavaluuettelo/

If you have any questions regarding these Terms of Use, you can contact the service provider's customer service: asiakaspalvelu@kevyesti.fi.

4. Description of the service

By using the Service, the user can bill the subscriber for the services provided to the subscriber.
work. The User will invoice the subscribers for the work done by the Service Provider
and the service provider pays the subscriber to the service provider.
onward payment to the user of the service in the form of wages or remuneration
minus the performance of these terms and conditions of use, and
by the total number of debits.

The service provider is not the employer of the user within the meaning of section 14 of the Prepayment of Taxes Act (1118/1996, EPL), for whom the work is paid. Nevertheless, the service provider has the same obligations as an employer for tax purposes (obligation to withhold tax, obligation to declare and obligation to pay the employer's health insurance contribution).

In addition to the EPL, the provisions of the Prepayment of Taxes Ordinance (1124/1996, EPA), the Act on Employer Health Insurance Contributions (771/2016, TaSavaL) and the Act on the Income Information System (58/2018, Income Register Act), among others, also apply to some extent.

The services are provided to the user as described in these Terms of Use and at. kevyesti.fi in any more detailed service descriptions. The fees and charges for the services are those set out in the price list.

During the contractual relationship, the User shall have the right to obtain, upon request, the terms and conditions of this Agreement and the information referred to in Articles 11-15 of the Payment Services Act in writing or by any other durable means. These terms and conditions and the price list are available to the User electronically via the User Interface.

The Service does not cover, and the Service Provider is therefore not responsible for, any measures other than those specified in these Terms of Use. The User understands and agrees that the Service does not cover the payment of the User's YEL insurance premiums.

The roles of the service provider, the user and the subscriber

The service provider is an invoicing service company as defined in the Tax Administration's instruction (VH/288/00.01.00/2021).

There is a contractual relationship between the user and the subscriber. However, the contractual relationship does not constitute an employment relationship between the parties.

To be clear, there is no contractual relationship between the subscriber and the service provider. The service provider is also not a party to the contractual relationship between the user and the subscriber, and is therefore in no way liable for any responsibilities or obligations arising from that contractual relationship.

Insurance

The User is not covered by statutory accident insurance, but by an accident insurance policy taken out by the Service Provider, which is valid according to its current terms and conditions.

Accident insurance becomes compulsory from 1.1.2025. The insurance takes effect when the first premium is deducted from the invoice issued by the user via the Kevyesti.fi billing service.

If the user does not bill or receive payments through Kevyesti.fi within 60 days, the accident insurance will become inactive. The insurance will be automatically reactivated when the user submits a new invoice and receives a payment, and the premium will be automatically charged.

Please note that valid accident insurance is a prerequisite for seeking treatment.

5. General restrictions

The user undertakes not to use the service:

engage in any activity that makes it difficult for other users to use the service,
impersonating a service provider or other entity without lawful authority;
unlawful activities; or
in any of the situations mentioned in Chapter 10 of the Tax Administration's instructions (VH/288/00.01.00/2021).

6. User account

Only the user is allowed to create a user account. Therefore, it is not allowed to create a user account on behalf of another person. A person other than the user is allowed to create an invoice on behalf of the user under the user's user account. However, in all cases, the User must approve invoices created under his User Account before sending them to the Subscriber.

A user account can be opened by a natural person with legal capacity who has authenticated himself/herself through strong electronic identification or any other authentication method accepted by the service provider at the time. The Service Provider may use a partner to implement the authentication, whose terms and conditions the User must accept in order to use the Services. In addition to registration, the Service Provider may, at its discretion, require the User to provide strong electronic authentication at any time when using the Services.

The use of a user account requires the user to register as a user of the services as specified by the service provider. Registration requires the User to provide the required accurate and complete information and to accept these Terms of Use and any other terms and conditions notified at the time of registration, and to familiarise himself with the privacy policy.

Subject to these Terms of Use or mandatory law, all transactions, choices and legal actions arising from the use of a user's account are binding on that user. The User is obliged to comply with the security and other instructions issued by the Service Provider from time to time.

Blocking and restoring access to your user account

The Service Provider has the right, at its discretion, to block the use of a user account if:

The security of the user account has been compromised; or
there is reason to suspect that the user account is being used unlawfully or fraudulently or in breach of these Terms of Use.
The customer or his/her representative or close associates behave in an inappropriate or offensive way towards the service provider or its staff.

The Service Provider shall not be liable for any damages to the User or any third party resulting from the blocking of the User's account as described above.

The Service Provider will inform the User in advance of the blocking of access to the User Account and the reasons for such blocking through the User Interface, using the contact details provided by the User to the Service Providers or by any other reasonable means. However, such notification may be made only afterwards, immediately after the blocking of the user account, if this is justified in order to prevent or limit damage. However, no notification shall be made if such notification would jeopardise the reliability or security of the services or if it is prohibited by law.

The Service Provider shall restore access to the User Account as soon as possible after the reason for the denial of access to the User Account no longer exists. The User may request the Service Provider to restore access to the User Account at any time by contacting the Service Provider's customer service in accordance with these Terms of Use.

7. Special conditions relating to payment services

Payment orders

The services include the execution of payment transactions for payment recipients to the extent necessary to provide the service to the user.

Execution of payment transactions

After receiving the service or other work and the invoice from the user, the subscriber makes a payment to the service provider's customer reserve account. The service provider then makes the following payments:

Pays the user's remuneration, subject to income tax, from his or her client reserve account to the user;
Pays the withholding and deduction taxes related to the work performed by the user from his/her client account.
health insurance contributions and VAT, where applicable;
Pay the commission for the service you provide from your client account to your own bank account;
Pay the accident insurance premium from your client reserve account into your own bank account.

From their own bank account, the provider will pay the insurance company's contribution, which may cover several insured persons at the same time.

The user cannot cancel a payment order once it has been received. In the case of a refund, the payment transaction is the reverse of the one described above. Refunds are processed manually, after which the appropriate refund amount is credited to the subscriber.

The Service Provider shall endeavour to ensure that the User Account is accessible at all times via the User Interface and shall be responsible for ensuring that payments under payment orders are transmitted in full to the Payees' Service Providers at the agreed time, except during periods when the User Account is unavailable due to necessary or regular service interruptions, government regulations or force majeure. The Service Provider shall endeavour to inform the User of such situations in good time in advance, where possible. Subject to these Terms of Use or applicable law, the User shall not be entitled to any compensation due to the aforementioned inability to use the Service.

Refusal of payment order

The service provider has the right, under the Payment Services Act or at its discretion, to refuse to.
the execution of a payment order on the following grounds:

if the Service Provider suspects or considers that the security of the User Account has been compromised or that the User Account is being used in a fraudulent, atypical or suspicious manner;
if the service provider has reasonable grounds to suspect that the user is acting in breach of these terms of use; or
in the event of errors or malfunctions (mechanical or otherwise) in the execution of payment transactions, or refusals of payment transactions by the payee, the parties involved in the transmission of the payment or the payment processing system.

The Service Provider shall inform the User without delay of the refusal of the payment order and of how the User may remedy the situation. The Service Provider reserves the right to charge the User appropriate costs, corresponding to the actual costs incurred, for the notification, if the Service Provider has had reasonable grounds for refusing to execute the payment order for reasons attributable to the User.

Transaction details

Information on the transactions of a user's account is available to the user electronically and permanently through the user interface. The data shall be kept available for at least the last year in each case and shall contain the information referred to in Article 19 of the Payment Services Act.

Missed or incorrectly executed payment transaction

If a payment transaction initiated by a user has not been executed or has been executed incorrectly, the service provider must, without undue delay, refund the amount of the payment transaction to the user or return the user's account to the state it would have been in had it not been charged. However, there shall be no obligation to refund if the payment transaction was executed incorrectly for reasons attributable to the user or if the provider can prove that the payee's service provider received the amount of the payment transaction within the execution period of the payer's service provider under the Payment Services Act.

If a payment transaction initiated by a user has not been executed or has been executed incorrectly, the service provider must immediately trace the payment transaction at the user's request. The user shall be informed of the results of the tracing. The provider shall be entitled to charge the user for any costs which he has to pay to a provider outside the European Economic Area involved in the execution of the payment transaction as a result of the tracing.

If a payment transaction has not been executed or has been executed incorrectly, the user is entitled to a refund from the service provider of the costs charged to him/her for the payment transaction. The user is also entitled to compensation from the provider for any interest he has to pay or does not receive as a result of the non-execution or incorrect execution of the payment transaction.

Notification of a non-executed or incorrectly executed payment transaction

The User shall not be entitled to a refund of the amount of the payment transaction or any other compensation from the Service Provider under these Terms of Use unless the User notifies the Service Providers of a non-executed or incorrectly executed payment transaction without undue delay upon discovery and within 13 months after the amount of the payment transaction has been debited from the User's payment account.

Notification of other error

The user is not entitled to compensation from the service provider for damage caused by an error in the execution of a payment transaction other than that referred to in the previous paragraph, unless he notifies the service providers of the error within a reasonable time of the time when he discovered the error or should have discovered it.

8. Responsibility

Each party to the contract is liable to compensate the other for any damage caused to the other party by the breach of the contract. However, the provider is liable for indirect damage caused to the user of the payment service only if the damage is due to the provider's negligence.

Indirect damage is considered to be:

the loss of income suffered by a payment service user as a result of a wrongful act or omission by the service provider;
damage arising from an obligation under a contract other than these Terms of Use; and
other similar damage that is difficult to foresee.

However, if the damage referred to in paragraph 2 above is caused by the limitation of other types of damage, it shall not be considered indirect damage in this respect.

However, the Service Provider may not invoke the above limitation of liability clause if the damage was caused intentionally or through gross negligence by the Service Provider or someone for whose conduct the Service Provider is responsible.

The service user who suffers damage must take reasonable steps to limit the damage. If he fails to do so, he will be liable for a proportionate share of the damage. Subject to these Terms of Use or mandatory law, the provider's total liability to the user is limited to the amount of the fees charged by the provider to the user for the services.

Subject to these Terms of Use or mandatory law, the User shall bring any claim for breach of this Agreement within three months of the date on which the User discovered, or should have discovered, the error or breach of contract to which the User wishes to object.

9. Information security and data protection

The Service Provider is responsible for the security and data protection of the Services and for the processing of the User's personal data under this Agreement, privacy policy and in accordance with the legislation in force at the time. The User understands and accepts that the Service Provider may disclose information about the User to the authorities, inter alia, pursuant to legislation on the prevention of money laundering and terrorist financing. The Service Provider shall also have access to the regulations and rules governing the processing of personal data. in the privacy policy notwithstanding the practices set out above, disclose to another service provider and otherwise process information on suspected and actual offences against their payment service activities, if the processing of the information is necessary for the prevention or investigation of offences related to payment services, as provided for in Section 86 of the Payment Services Act.

By accepting this Agreement, the User also indicates that the Service Provider understands that the Service Provider will process and disclose the User's personal data necessary for the provision of the Services in a manner consistent with the Service Provider's. in the privacy policy described in more detail.

10. Systems and equipment

You are responsible for the security of your own IT environment (computer software) and of the equipment, systems and services (including, for example, computers, mobile telephones and other communication devices and connections) you use to receive services.

The service provider is responsible for the appropriate security of its own information systems. However, the Service Provider shall not be liable in any respect for damage caused by the user's environment, systems, connections or equipment.

11. Intellectual property rights

All intellectual property rights relating to the Services, including copyright, trademarks and other registered and unregistered intellectual property rights, belong exclusively to the Service Providers and/or its licensors. For the duration of this Agreement, the Service Provider grants the User a limited, non-exclusive right to access and use the Services in accordance with these Terms of Use and such other instructions as the Service Provider may provide from time to time.

You are not granted any rights to the Services other than those expressly granted above.

12. Force majeure

Liability under these Terms of Use shall not arise if the party claimed to be liable can prove that the performance of its obligation was prevented by an unusual and unforeseeable event beyond its control, the consequences of which it could not have avoided with all due care.

13. Contact and complaints

The user can contact the service provider's customer service by e-mail at asiakaspalvelu@kevyesti.fi. During evenings and weekends, the User may, if necessary, request that his/her account be blocked by contacting asiakaspalvelu@kevyesti.fi.

Email is the primary means of communication with the user. Communications and notifications will be sent by e-mail or other persistent means.

The languages are Finnish and English.

The User must send any notifications or complaints regarding the Services referred to in these Terms of Use to the Service Provider by e-mail to asiakaspalvelu@kevyesti.fi.

14. Duration and termination of the contract

This agreement is valid until further notice.

The User may terminate this Agreement at any time with immediate effect. In the event that the invoice has been sent to the Subscriber before termination, the payment order will be executed until its completion, after which the contract will be terminated. The Service Provider, in turn, shall be entitled to terminate this Agreement to expire two (2) months after the notice of termination. Neither party is required to give a reason for its termination.

The notice period starts to run when the user has been notified by means of a verifiable notification, for example, a notification sent via the user interface.

At the end of the contract, any claims the parties have on each other are due for payment within 14 days of the end of the contract.

For the avoidance of doubt, the termination of this Agreement shall not affect the validity of any agreements (such as loan agreements) between you and third parties.

15. Amendment of the contract

If the Service Provider intends to make changes to the Services that will entail changes to these Terms of Use, the Service Provider will provide the User with a proposal for changes via the User Interface or by e-mail at least two (2) months before the proposed effective date of the changes. If the User does not object to the proposed changes by the proposed effective date of the changes, the User shall be deemed to have accepted them. If the User does not accept the proposed changes, the User shall have the right, until the proposed effective date of the changes, to terminate the Agreement with immediate effect without any further charge.

The User understands and accepts that the Service Provider is constantly developing its services and may make necessary additions to the features of the services without notice, provided that this does not imply any impairment of the rights or benefits of the User under this Agreement. The Service Provider also reserves the right to unilaterally modify the Agreement, subject to the shorter notice period mentioned above, if the changes are due to applicable legislation or regulations issued by a public authority or if the changes do not concern payment services under the Payment Services Act.

16. Transfer of contract

The User is not entitled to transfer this Agreement to a third party without the prior written consent of the Service Provider. The Service Provider shall be entitled to transfer this Agreement to a third party who is entitled under applicable law to carry out the activities for which the Services are intended. The Service Provider shall also be entitled to transfer to a third party any fees related to the Services.

17. Applicable law and dispute resolution

This Agreement shall be governed by Finnish law, excluding its conflict of law provisions.

Any disagreement over the agreement will be resolved primarily through negotiation between the parties. In the event that the parties cannot reach an agreement, disputes arising from this Agreement shall be settled in the first instance by the ordinary civil court of first instance in accordance with the law in force. In addition, the user has the right to report the provider's conduct to the authority responsible for monitoring the provider's activities, as referred to in point 3 above.

18. Loan offered to the user

Nature of the loan

The service provider offers users who are light entrepreneurs
the possibility to raise a loan for short-term needs
for their business activities. The user can submit a loan application
through the provider's interface.

The loan is not intended for consumers. It is not a loan under consumer protection law.
(38/1978, as amended) or consumer credit within the meaning of Chapter 7 or elsewhere.
credit granted to consumers within the meaning of the legislation. Since the loan is not
is not consumer credit, the conditions applicable to consumer credit, such as
limits on the maximum interest rate are not applicable to the loan.

The user is aware that the service provider may offer him a loan.
in the user interface, unless the user explicitly prohibits such provision.

Amount of loan capital

The service provider has the right, at its discretion, to assign to the user.
the maximum amount of loan capital it offers.

When applying for a loan, the user will be informed of the following.
the maximum amount of the loan to be granted, allowing the user to apply for this
a loan equal to or less than the maximum amount.

Processing fee for the loan

A processing fee is charged for the withdrawal of the loan, which is charged to the user.
in connection with the repayment of the loan. The processing fee is 8,50-85
depending on the amount of the loan capital. Amount of the handling fee
will be communicated to the user when the loan application is made.

Repayment of the loan

The loan is subject to a repayment period, the length of which depends on the case.
depending on 7-45 days. The repayment period of the loan will be communicated to the user
when you apply for a loan. By being in contact with
to the service provider's customer service, the user has the right, at no extra cost.
repay the loan before the due date. The loan matures if the subscriber
pay the invoice secured by the loan before the loan is due.
the end of the period. In this case, however, the loan is only due to the extent to which that
the invoice guarantee is sufficient to pay the user's loan.

The service provider has the right to deduct the loan amount (including
the principal amount of the loan, the processing fee for the loan and any
penalties for late payment and associated costs) for the performance of which
any claim based on an invoice issued by the borrower.
is billed or invoiced by the service provider through the service. The service provider has this right even if the original repayment period of the loan has not yet expired.

Alternatively, the service provider has the right, at its discretion, to.
send an invoice to the user to pay the loan instalment
(including the principal amount of the loan, the processing fee for the loan, and
any penalties for late payment and associated costs).
to the service provider on the due date indicated on the invoice. The invoice can be sent
especially when the user has no outstanding bills to pay
from subscribers to the work.

The loan is immediately due and payable at the provider's request if:

i) the User has provided misleading information to the Service Provider; or
withheld information that could have affected the granting of the loan or
conditions.

(ii) the User has been convicted by execution or other reliable means of.
become insolvent or unable to pay their debts.

iii) The invoice secured by the loan has not been paid within 30 days.
within the period after the due date or by the customer who is under an obligation to pay the invoice.
the payment of which has been, has been seized or has been established by other reliable means
become insolvent or unable to pay their debts.

If the loan, its processing fee or the fee for loan repayment and other
no payments are made for treatment that are no later than
on the due date with the service provider, the user is obliged to pay
interest on arrears from the due date to the date on which the payment is due,
when the payment has reached the service provider. The annual
the amount of interest on arrears is determined by the interest law in force at the time.
in line with.

The user is liable to reimburse the service provider for all costs
and fees due on the principal of the loan, a processing fee,
interest on late payments and other claims of the service provider relating to the loan
recovery.

Conditions for granting a loan and processing loan applications

The service provider makes an assessment of the user's trustworthiness
history, and this estimate has an impact on the loan's
and the amount of capital to be lent.

When considering whether to grant a loan, the billing history of the user is taken into account
the service provider's service and the invoices sent to subscribers via the service,
for which the claim has not yet been paid. The loan cannot be granted
to a new user who has used the service of the provider.
for less than three months. As the user's billing history increases
the principal amount of the loan granted increases accordingly.

The Service Provider has the right to reject the loan application at its discretion,
if the service provider suspects that there may be a problem with the repayment of the loan.
disturbances or that the loan application is linked to a criminal offence, such as fraud or
money laundering, or that there are other risks involved in granting the loan.

The provider also has the right to reject a loan application if.
the current valid licence issued by the service provider.
the maximum loan amount for loans is about to be exceeded.

The service provider will consider whether to grant a loan on a case-by-case basis.
A previous decision by the provider to grant a loan is not binding.
the provider when considering the possible next loans.
granting to the same user.

Your provider can process your loan application either manually or by
automatically, depending on the service provider's application
practices.

The service provider's right to information

The user shall, on his own initiative and without delay.
inform the provider of any changes in his/her financial circumstances
changes that may have an impact on the service provider
when considering its confidence in the user's ability to pay or the loan.
termination by immediate payment.

Pledge

By making a loan application, the user pledges to the service provider.
as security for the pledge as defined below, a loan (including
the principal amount of the loan, the processing fee for the loan and any
penalties for late payment and associated costs) for timely and
for full repayment. The user pledges to the service provider all
the present and future rights, interests and benefits of the pledgee.
benefits.

The pledged assets are all current and future bills that.
charged by the user to the subscriber through the service provider's service.
This pledge and all its conditions shall take effect from the date of the loan application.
including. The pledge remains in full force and effect until the loan is
(including the principal amount of the loan, the processing fee for the loan, and
any penalties for late payment and associated costs) have been paid
unconditionally, irrevocably and in full
to the service provider.

You may not sell, transfer or otherwise dispose of the pledged property in any way.
existing accounts receivable or any part thereof or take any action,
which modify the rights attached to the pledge without
with the prior written consent of the service provider. User
not do or allow anything that could adversely affect.
the subject of the pledge or the rights of the provider as pledgee
or which reduces the value of or damages the pledged property.

If the user fails to pay all or part of a loan that is due,
the service provider has the right to use the pledged item or the sale of the item
the proceeds of the loan (including principal, interest on the loan and
the handling fee and any penalties for late payment; and
ancillary costs), including all the costs of the pledge.
the costs of realising the property. The sale of a pledge is subject to
the provisions of Chapter 10 of the Commercial Code (3/1734, as amended) and other
the applicable legislation.

The service provider also has the right, when a pledged invoice claim becomes
the loan or part of it, use the funds received to repay the loan or part of it.
to repay. In such a situation, the service provider has the right to.
the said right, however, only to the extent that the secured and
the amount of the invoice guarantee that has been paid is sufficient to cover the user's loan.

The loan (including the principal, the processing fee for the loan and the
possible penalties for late payment and associated costs) after the entry into force of the
paid in accordance with these terms and conditions, the provider undertakes to.
release all rights of the provider to the pledged property.

The service provider (and the subsequent transferee) has the right to.
transfer or assign the pledge under these terms and conditions and the related
their rights in connection with the transfer of a loan under these terms and conditions and to agree to
how the pledge will cover the assigning creditor after the assignment of the claim
on the one hand, and the transferee's claim on the other. The user's liability is not affected by the transfer or distribution.
increase as a result.

Transferring a claim

The Service Provider has the right to transfer, lend or pledge the following rights under these terms and conditions.
its claim under the loan to a third party.

19. Advance salary

Kevyesti.fi offers its light entrepreneurs the possibility to apply for a payroll advance on an open invoice in case of unforeseen or urgent situations. The granting of advance payment is always at the discretion of Kevyesti.fi and is subject to the following conditions:

1. Conditions for applying

A light entrepreneur working through Kevyesti.fi can apply for a payroll advance on an invoice if the following conditions are met:

In the Kevyesti.fi system, an invoice is open to request an advance payment.
Kevyesti.fi has previously received and settled at least two (2) payments from the same client to whom the request for advance payment is addressed.

2. Risk assessment and bill validation

All requests for advances are dealt with on an individual basis. The request is subject to Kevyesti.fi's internal comprehensive risk assessment. The risk assessment takes into account, among other things:

Payment history of the sponsor
Invoice accuracy (confirmation of the invoice amount, due date and any reimbursement of expenses)
Kevyesti.fi's potential receivables management risk

Kevyesti.fi reserves the right not to grant an advance without any justification. Before paying an advance, Kevyesti.fi will contact the invoice recipient (i.e. the client) to verify the accuracy of the invoice information.

3. Payment and timetable

Once the request for an advance payment has been approved and the accuracy of the invoice has been confirmed by the client, the advance payment is paid to the light entrepreneur's account as soon as possible, usually within the same working day of approval.

4. Service fee

An additional service charge is levied on the advance, the amount of which is determined by the time between the due date of the invoice and the date of payment of the advance:

4 % an additional service charge if the due date of the invoice is 14 days or less from the date of payment of the advance.
6 % an additional service charge if the invoice due date is 15-30 days from the date of payment of the advance.

The due date of the invoice must not exceed 30 days from the date of payment of the advance.

5. Other terms and conditions

Kevyesti.fi reserves the right to change these prepayment terms, service fees or the processing process by notifying the Light Entrepreneur. Applying for an advance does not constitute a contractual obligation on behalf of Kevyesti.fi to grant an advance. Any misuse or misleading applications may result in the suspension of the service and/or other sanctions.