SOLVI TERMS OF USE

Last updated: 18 March 2026
Company: Solviapp Oy
Business ID (Y-tunnus): 3562379-3
Address: Castréninkatu 20 B 29, 00530 Helsinki, Finland
Phone: +358 50 321 7766
Email: support@solvi.fi

1. Introduction

These Terms of Use ("Terms") govern your access to and use of the Solvi mobile application, website, and related services, together the "Platform", operated by Solviapp Oy.

By creating an account or using the Platform, you confirm that you have read and accepted these Terms, together with our Privacy Policy and Cookie Policy. If you do not agree to these Terms, you may not use the Platform.

2. Definitions

For the purposes of these Terms:

• "Solvi", "Company", "we", "our", and "us" mean Solviapp Oy.

• "User" means any person using the Platform.

• "Customer" means a User who requests or purchases services through the Platform.

• "Provider" means a User who offers or performs services through the Platform as an independent business operator.

• "Service" means any professional or household service offered by a Provider through the Platform.

• "Booking" means a confirmed request made by a Customer for a specific Service through the Platform, including the agreed date, time, location, and scope of work.

• "Completed Service" means a Service that has been performed and confirmed as completed by the Customer, or otherwise treated as completed under Section 5.

• "Platform Fee" or "Commission" means the fee charged by Solviapp Oy to the Provider for use of the Platform, as described in Section 11.

• "Payout" means the net amount payable to the Provider after deduction of the applicable Platform Fee.

• "Dispute" means a complaint or disagreement relating to a Booking or Service raised by a Customer or Provider under Section 21.

• "Content" means any text, images, reviews, ratings, profile information, or other material submitted by a User to the Platform.

3. Nature of the Platform

3.1 Solvi is a digital marketplace that connects Customers with independent Providers.

3.2 Solviapp Oy is a technology intermediary and is not itself a provider of the Services listed on the Platform.

3.3 Solviapp Oy is not a party to the service contract concluded between a Customer and a Provider.

3.4 Providers act independently and are not employees, workers, agents, or partners of Solviapp Oy. Nothing in these Terms creates an employment, agency, partnership, or joint venture relationship between Solviapp Oy and any Provider.

3.5 Solviapp Oy does not supervise or control how a Provider performs a Service and does not guarantee the quality, legality, safety, timing, suitability, or outcome of any Service.

3.6 To the extent permitted by applicable law, Solviapp Oy is not responsible for the acts or omissions of Customers or Providers in connection with Services arranged through the Platform.

4. Account Registration and Eligibility

4.1 Users must provide accurate, current, and complete information when registering and must keep their account information up to date.

4.2 Users are responsible for maintaining the confidentiality of their login credentials and for all activity carried out through their account.

4.3 The Platform is intended only for individuals aged 18 or over. By using the Platform, you confirm that you are at least 18 years old and legally capable of entering into binding agreements.

4.4 Provider Verification. Solviapp Oy requests that Providers submit accurate identity, contact, and business information at registration. Solviapp Oy will make reasonable efforts to verify the accuracy of such information in accordance with Article 30 of Regulation (EU) 2022/2065 (Digital Services Act). Providers are required to self-certify the accuracy of the information they provide and to notify Solviapp Oy promptly of any changes. Solviapp Oy does not guarantee the accuracy of Provider-submitted information but will act on credible notices of inaccuracy.

4.5 Solviapp Oy may suspend, restrict, or terminate an account in cases of fraud, abuse, inaccurate information, legal risk, or breach of these Terms, subject to the notice requirements set out in Section 17.

5. Bookings and Payments

5.1 Payments for Services are processed through the Platform using third-party payment infrastructure. The payment service provider used by Solviapp Oy is identified in the Privacy Policy and may be updated from time to time.

5.2 Unless otherwise stated on the Platform, payment is released to the Provider after the Service has been completed and the Customer has confirmed completion.

5.3 If the Customer does not raise a Dispute within 7 calendar days after the scheduled completion of the Service, Solviapp Oy may treat the Service as completed and may release payment to the Provider.

5.4 Providers receive Payouts according to the payout schedule communicated on the Platform or by Solviapp Oy.

5.5 All transactions on the Platform are processed in euros (EUR), unless expressly stated otherwise.

5.6 If a payment attempt fails, the relevant Booking may be cancelled or may remain unconfirmed until successful payment is made.

5.7 Solviapp Oy is not liable for payment failures caused by Customer payment method issues, banking disruptions, or third-party payment processor errors.

6. Cancellations and Refunds

6.1 Customers may cancel a Booking in accordance with the cancellation terms shown on the Platform at the time of booking.

6.2 Right of Withdrawal. Where applicable under Directive 2011/83/EU on Consumer Rights and its implementing legislation in Finland, Customers who are consumers have the right to withdraw from a distance contract within 14 calendar days of conclusion of the contract, without giving any reason. This right applies unless a statutory exception is applicable, including where the Service has been fully performed with the Consumer's prior express consent before the withdrawal period has expired.

6.3 If a Customer books a Service scheduled to begin within the 14-day withdrawal period, the Customer may be asked to expressly consent to the Service beginning before that period expires. Where an on-demand or urgent Service is requested and the Customer consents to immediate commencement, the right of withdrawal is lost upon full performance of the Service. Such consent will be requested explicitly at the point of payment confirmation within the Platform. In such cases, the Customer understands that the right of withdrawal may be reduced or lost once the Service has been fully performed, to the extent permitted by law.

6.4 Once a Service has started, cancellation or refund may be limited, subject always to mandatory law.

6.5 Providers may decline Booking requests before acceptance. If a Provider cancels an accepted Booking without valid reason, Solviapp Oy may take reasonable action, including account restrictions, reduced visibility, suspension, or removal from the Platform.

6.6 Withdrawal Process. Customers wishing to exercise the right of withdrawal may do so by contacting Solviapp Oy at support@solvi.fi or through the account management function within the Platform, where available. Solviapp Oy will process confirmed withdrawals in accordance with applicable law.

7. Provider Responsibilities

7.1 Providers must perform all Services professionally, lawfully, and with reasonable care.

7.2 Providers are solely responsible for ensuring that they hold all licences, permits, registrations, insurance, and qualifications required by law for the Services they offer. Solviapp Oy does not provide liability insurance covering damage caused by Providers in the course of performing Services. Customers and Providers are responsible for ensuring that adequate insurance is in place before a Service commences. Solviapp Oy strongly encourages Providers to maintain appropriate third-party liability insurance.

7.3 Providers must not make false or misleading claims about their identity, qualifications, experience, certifications, or authorisations.

7.4 Providers are solely responsible for declaring and paying all taxes, VAT obligations where applicable, social security contributions, insurance, and other legal or regulatory obligations arising from their activities.

7.5 Unless expressly stated otherwise by Solviapp Oy, Providers are responsible for issuing any invoices, receipts, or other legally required service documentation relating to the Services they perform. Providers who use third-party invoicing platforms to fulfil this obligation remain solely responsible for ensuring that documentation is accurate, lawful, and delivered to the Customer.

7.6 Providers must treat Customer personal data as confidential and may use it only for purposes directly related to the relevant Booking and Service.

7.7 Providers must not use Customer details obtained through the Platform for unrelated marketing, solicitation, or off-platform arrangements.

7.8 Household Tax Credit (Kotitalousvähennys). Certain Services available through the Platform, such as cleaning, maintenance, and repair work performed at a Customer's home, may qualify for the Finnish household tax credit (kotitalousvähennys) under the Income Tax Act (tuloverolaki). Eligibility for this credit depends on the Provider's registration in the Finnish Prepayment Register (ennakkoperintärekisteri) maintained by the Finnish Tax Administration. Providers are solely responsible for ensuring their registration status is accurate and up to date, and for informing Customers of their registration status upon request. Solviapp Oy does not guarantee that any Service arranged through the Platform qualifies for the household tax credit, does not verify Provider registration in the Prepayment Register, and accepts no liability in connection with any Customer's claim for or denial of the household tax credit.

8. DAC7 Tax Reporting

8.1 Solviapp Oy is subject to the information-reporting obligations imposed on digital platform operators under Council Directive (EU) 2021/514 (DAC7) as implemented in Finland.

8.2 As a result, Solviapp Oy is required to collect, verify, and report to the Finnish Tax Administration (Verohallinto) certain information about Providers who carry out relevant activities through the Platform, including the performance of personal services. This information includes identity details, tax residence, and income received through the Platform.

8.3 Providers are required to provide accurate and complete information as requested by Solviapp Oy for the purposes of fulfilling these obligations. Failure to provide required information may result in account restrictions or the withholding of Payouts pending compliance.

8.4 Solviapp Oy will handle all data collected for DAC7 purposes in accordance with applicable data protection law, as set out in the Privacy Policy.

8.5 Providers are solely responsible for their own tax filings and obligations. Solviapp Oy's reporting to the Tax Administration does not relieve Providers of their independent duty to declare income in their own tax returns.

9. Customer Responsibilities

9.1 Customers must provide accurate and complete information when requesting a Service, including the correct address, timing, access information, and scope of work.

9.2 Customers must ensure that the service location is reasonably safe and accessible for the Provider.

9.3 Customers must pay for Services in accordance with the terms shown on the Platform.

9.4 Customers must treat Providers respectfully and must not engage in harassment, abuse, discrimination, threats, or unlawful conduct.

9.5 Customers must not submit false, misleading, or fabricated Booking requests, complaints, or reviews.

10. Off-Platform Conduct and Prohibited Use

10.1 Users must not use the Platform to engage in fraud, tax evasion, money laundering, harassment, unlawful discrimination, or any other unlawful conduct.

10.2 Users must not upload malicious software, attempt to interfere with the operation or security of the Platform, or misuse the Platform in any technically harmful way.

10.3 Where a Customer and a Provider were first introduced through the Platform, they must not intentionally circumvent the Platform's booking or payment system in order to avoid applicable Platform Fees.

10.4 Solviapp Oy may investigate suspected off-platform circumvention and may suspend, restrict, or terminate accounts where it reasonably believes that a User has attempted to bypass the Platform in breach of these Terms.

11. Fees and Taxes

11.1 Solviapp Oy charges a Platform Commission to Providers for use of the Platform. The applicable Commission is shown on the Platform, in the Provider dashboard, or otherwise communicated by Solviapp Oy before or at the time relevant transactions are accepted.

11.2 Solviapp Oy may update its Commission structure from time to time. Material changes will be communicated at least 15 days in advance in accordance with Section 22.

11.3 Unless otherwise stated, Platform Fees are separate from the price of the Service agreed between Customer and Provider.

11.4 Platform Fees are subject to Finnish value added tax at the applicable statutory rate, currently 25.5%. Note that the VAT treatment of the underlying Service may vary depending on its nature; Providers are solely responsible for determining and applying the correct VAT treatment to the Services they perform.

11.5 Providers are solely responsible for declaring and paying all taxes related to the Services they perform.

11.6 Platform Fees are non-refundable except where mandatory law requires otherwise or where Solviapp Oy has made a material billing error.

12. Provider Ranking and Visibility

12.1 In accordance with Article 5 of Regulation (EU) 2019/1150 (Platform-to-Business Regulation), Solviapp Oy sets out below the main parameters used to determine the ranking and visibility of Provider listings on the Platform.

12.2 The main ranking parameters are:

• (a) Customer ratings and review scores submitted through the Platform;

• (b) Booking acceptance rate and responsiveness to Customer requests;

• (c) Profile completeness, including verified information, uploaded credentials, and service descriptions;

• (d) Service activity level, including recency and volume of completed Bookings;

• (e) Compliance with these Terms and the absence of active or upheld Disputes.

12.3 Solviapp Oy may also apply paid or promotional visibility options that affect ranking. Where such options exist, they will be clearly identified as such on the Platform and in the Provider dashboard.

12.4 Solviapp Oy may adjust ranking parameters from time to time to reflect changes in Platform operations, quality standards, or legal obligations. Material changes to ranking criteria will be communicated in accordance with Section 22.

13. User Content

13.1 Users may submit Content to the Platform, including profile information, reviews, ratings, and communications.

13.2 By submitting Content, the User grants Solviapp Oy a non-exclusive, worldwide, royalty-free licence to host, use, reproduce, display, and distribute that Content for the operation, improvement, promotion, and administration of the Platform, subject to applicable law and the Privacy Policy.

13.3 Users must ensure that their Content is lawful, accurate, and does not infringe the rights of any third party.

13.4 Solviapp Oy may remove or restrict Content that it reasonably believes is unlawful, misleading, abusive, infringing, or otherwise contrary to these Terms.

14. Reporting Illegal Content

14.1 In accordance with Article 16 of Regulation (EU) 2022/2065 (Digital Services Act), any User or third party may report content, listings, or conduct on the Platform that they believe to be illegal under applicable EU or Finnish law.

14.2 Reports may be submitted by email to support@solvi.fi, clearly identifying the content or conduct in question, the reason it is believed to be illegal, and the location of the content on the Platform.

14.3 Solviapp Oy will process notices in a timely, non-arbitrary, and diligent manner. Solviapp Oy will inform the reporting party of the action taken or the reason why no action was taken, where required by applicable law.

14.4 Submitting false or misleading notices of illegal content is prohibited and may result in account suspension.

15. Intellectual Property

15.1 All rights in the Platform, including its design, software, trademarks, logos, text, graphics, and other content, are owned by Solviapp Oy or its licensors.

15.2 Users are granted a limited, non-exclusive, non-transferable, revocable right to use the Platform solely for its intended purpose and in accordance with these Terms.

15.3 Users may not copy, reproduce, modify, distribute, reverse engineer, scrape, or otherwise exploit any part of the Platform except as permitted by mandatory law or with Solviapp Oy's prior written consent.

16. Data Protection

16.1 Solviapp Oy processes personal data in accordance with the EU General Data Protection Regulation (Regulation (EU) 2016/679) and the Finnish Data Protection Act (1050/2018).

16.2 Details regarding how personal data is collected, used, stored, shared, retained, and the identity of data processors, including payment service providers, are set out in the Privacy Policy.

16.3 Cookie use and related preferences are governed by the Cookie Policy.

17. Suspension and Termination

17.1 Solviapp Oy may suspend or restrict access to the Platform with immediate effect where reasonably necessary due to fraud, unlawful conduct, serious breach of these Terms, safety concerns, payment abuse, or legal compliance requirements. In such cases, Solviapp Oy will provide the affected User with a statement of reasons without undue delay, except where doing so would be unlawful or would jeopardise fraud prevention or law enforcement purposes.

17.2 For less serious breaches, Solviapp Oy will provide the affected User with prior notice and a reasonable opportunity to remedy the issue before taking action.

17.3 Where Solviapp Oy intends to terminate a Provider's access to the Platform other than for urgent reasons set out in Section 17.1, Solviapp Oy will provide at least 30 days' prior written notice, in accordance with Regulation (EU) 2019/1150. Such notice will include the reasons for the intended termination.

17.4 Users may request closure of their account at any time, subject to completion of ongoing Bookings, payment settlement, active Disputes, and applicable legal retention obligations.

17.5 Termination does not affect any accrued rights, payment obligations, investigation rights, or provisions of these Terms that are intended to survive termination.

18. Limitation of Liability

18.1 The Platform is provided on an "as is" and "as available" basis.

18.2 To the maximum extent permitted by law, Solviapp Oy does not guarantee uninterrupted availability of the Platform and is not liable for indirect, incidental, special, consequential, or punitive damages arising out of or in connection with the use of the Platform or any Service arranged through it.

18.3 To the maximum extent permitted by law, Solviapp Oy's total liability arising out of or in connection with a specific claim under these Terms shall not exceed the Platform Fee paid to Solviapp Oy in connection with the relevant Booking.

18.4 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under mandatory law, including liability for death or personal injury caused by negligence, fraud, wilful misconduct, gross negligence, or liability under applicable data protection law.

18.5 Solviapp Oy shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to natural disasters, cyberattacks, telecommunications failures, regulatory actions, or the acts of third-party service providers.

19. Internal Complaint Handling

19.1 Solviapp Oy provides a complaint handling channel for Users who are affected by decisions relating to content removal, account restriction, ranking visibility, or service suspension, where applicable under law.

19.2 Complaints may be submitted by contacting support@solvi.fi within 6 months of the relevant decision.

19.3 Complaints should include a description of the matter, the decision being challenged, and any relevant supporting information.

19.4 Solviapp Oy will review complaints in a timely and non-arbitrary manner and will provide a response within a reasonable time.

19.5 Nothing in this Section limits any legal remedies available under applicable law.

20. Disputes and Governing Law

20.1 These Terms are governed by the laws of Finland.

20.2 Disputes that cannot be resolved amicably shall be submitted to the competent courts of Finland, unless mandatory consumer protection law gives a consumer the right to bring a claim in the courts of their country of residence.

20.3 Consumers in Finland may refer eligible disputes to the Consumer Disputes Board (Kuluttajariitalautakunta).

21. Disputes Between Customers and Providers

21.1 If a dispute arises between a Customer and a Provider concerning a Booking or Service, either party may contact Solviapp Oy through the support channels made available on the Platform or at support@solvi.fi.

21.2 Solviapp Oy may review the information provided by both parties and may request additional evidence, communications, photos, or documentation.

21.3 Solviapp Oy may attempt to facilitate a practical resolution in good faith, but Solviapp Oy is not an arbitrator or court and does not issue legally binding decisions between Users.

21.4 Solviapp Oy may temporarily hold or delay release of funds relating to a disputed Booking for a reasonable period while reviewing the matter, subject to applicable law and payment processor rules. Any holding of funds will be carried out in a manner consistent with the terms of the applicable payment processor agreement.

21.5 Either party remains free to pursue any legal remedy available under applicable law.

22. Changes to These Terms

22.1 Solviapp Oy may update these Terms from time to time.

22.2 Where changes materially affect User rights or obligations, Solviapp Oy will provide at least 15 days' prior notice through the Platform, by email, or by other appropriate means, in accordance with Regulation (EU) 2019/1150. The notice will identify the changes being made and their effective date.

22.3 Providers who do not accept updated Terms may terminate their account before the effective date by notifying Solviapp Oy at support@solvi.fi.

22.4 Continued use of the Platform after the effective date of updated Terms constitutes acceptance of those updated Terms.

23. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be interpreted or limited to the minimum extent necessary so that the remainder of these Terms remains valid and enforceable.

24. Contact

For questions, complaints, or notices relating to these Terms or the Platform, please contact:

Solviapp Oy
Castréninkatu 20 B 29, 00530 Helsinki, Finland
Email: support@solvi.fi
Phone: +358 45 164 1428
Business ID: 3562379-3

25. Final Provision

These Terms constitute the entire agreement between the User and Solviapp Oy regarding use of the Platform and supersede any prior statements or understandings relating to the same subject matter.

No delay or failure by Solviapp Oy to exercise any right under these Terms shall constitute a waiver of that right.

These Terms are drafted in English. To the extent permitted by mandatory consumer protection laws applicable in Finland, the English version shall prevail in the event of any inconsistency between language versions. Nothing in this clause limits any rights that consumers may have under Finnish or EU mandatory law.