Terms & Conditions

BLAC - Bangland Accounting Services Agreement — Last updated: January 2026

📋 Key Highlights: 30-day notice for cancellation • Finnish law governed • Pro-rated billing available • Courier-specific fee structures

By accessing or using BLAC - Bangland Accounting services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. Continued use of the service after any amendments constitutes acceptance of the updated terms.

1.1 Billing Cycle Adjustment

Clients Joining Between the 1st and 15th:

Full payment for the current month is required upon enrollment, regardless of service usage.

Clients Joining Between the 16th and Last Day:

• Standard Services: Payment begins from the first day of the following month.
• Priority Administrative Services: Immediate billing applies if urgent services are requested.

💰 Payment Schedule Examples

Enrollment on 1st–15th: Full month fee applies immediately
Enrollment on 16th–month end: Fees start next month (unless priority services used)
Priority services (business registration, tax card) trigger immediate billing
Pro-rated option: 50% fee for mid-month enrollments with priority services

1.2 Priority Administrative Services

Services that trigger immediate billing for late-month enrollments:

Business Registration

Tax Card Processing

VAT Applications

Legal Documents

Urgent Filings

1.3 Courier Partner Fee Structure

€30/month

Solo Courier

Individual working independently

€60/month

With One Substitute

€30 per active account

€30/month each

Multiple Substitutes

Per active substitute account

1.4 Payment Due Date & Methods

Due Date: Invoices issued 1st of month • Payable within 30 days • 11% interest on late payments (Finnish law)

2.1 Client Obligations

Provide accurate, complete, and timely documentation. Due date for documents uploads is the 5th of every month.

Notify promptly of changes affecting financial/legal status

Service delays caused by missing client information are not our responsibility

Redo service (VAT returns, Tax returns, etc) will charge extra €50 + VAT even if you have package.

2.2 Cancellation Notice

30 days written notice required. Services and standard fees apply during the notice period.

2.3 Short-Term Termination Fees

€39

Within 1 month

Minimum termination fee

One month's fee

1–2 months

Additional compensation

Recovery fees apply

Within 6 months

For administrative services rendered

2.4 Recovery of Complimentary Service Costs

Administrative services are FREE for clients maintaining services for 6+ months

Early Termination Recovery Fees (within 6 months):

Business Registration (VAT & Prepayment)
free
Business Trade Registration (Full Package)
€50
Tax Card Processing
€20
Custom Document Preparation
€150–€200

💡 Annual VAT Filers Important Note:

Annual filers are responsible for 12 months of fees, even if terminating mid-year. Fees cover the entire fiscal year (January–December).

3.1 Confidentiality & GDPR

Client data is kept strictly confidential per Finnish GDPR laws and used only for service delivery purposes. We do not share, sell, or disclose personal data to third parties without explicit consent, except where required by Finnish law.

3.2 Compliance Obligations

Clients must adhere to Finnish accounting, tax, and regulatory requirements. We reserve the right to discontinue services for violations.

3.3 Data Retention

Financial records are retained for the legally required period under Finnish accounting law. Clients may request data deletion after the mandatory retention period has passed.

Your GDPR Rights: You have the right to access, rectify, or erase your personal data. Contact us at info@bangland.fi for any data privacy requests.

Limitation of Liability

Liability is limited to total fees paid in the preceding 6 months. We are not liable for errors arising from incorrect or incomplete client-provided information.

Service Availability

We strive for continuous service availability but do not guarantee uninterrupted access. Scheduled maintenance will be communicated in advance.

4.1 Right to Modify Terms

We reserve the right to update these terms with 30 days advance notice. Continued use constitutes acceptance of the revised terms.

4.2 Governing Law

These terms are governed by Finnish law. Disputes are resolved through Finnish legal authorities.

4.3 Termination Rights

We may terminate services for: non-payment, legal non-compliance, or uncooperative behavior affecting service delivery.

Early exit: All outstanding fees become due immediately upon termination, regardless of the reason.

5.1 Client Obligations & Service Notices

Document Upload Deadline
Upload all income and expense documents to your designated Google Drive folder within 5 days of each month or period end. Late uploads may delay bookkeeping processing and VAT submission.
VAT Return Submission Window
We calculate and submit your VAT return between the 5th and 20th of the month preceding the due month. Documents must be uploaded on time for us to meet this deadline.
Redo / Extra Task Fee
If you discover a missed income or expense entry after submission and request a correction, an extra charge of €50 + VAT applies per redo task — even if you hold a service package.

Failure to upload documents on time releases us from responsibility for any penalties, interest, or missed deadlines incurred as a result.

5.2 Accounting support fee — Late Payment Penalties

All bookkeeping invoices are due within the date stated on the invoice. Failure to pay on time results in the following escalating penalties:

Reminder Fee

€5

1–7 days late

A reminder/penalty fee of €5 is applied if the bookkeeping invoice is not settled within 7 days of the due date.

Monthly Penalty

€40 / month

More than 1 month overdue

An additional €40 penalty is charged for every calendar month the invoice remains unpaid beyond the first month.

Debt Collection

Enforcement

Persistent non-payment

If payment is not received after repeated reminders, the outstanding bill will be forwarded to a debt enforcement agency for collection. All associated costs are borne by the client.

Enforcement Notice: Persistent non-payment will result in the debt being transferred to an enforcement agency. The client is responsible for all collection costs, court fees, and any additional charges incurred during the recovery process.