Terms of Service
Effective date: 2026-05-07 · Document version: 2026-05-07
These Terms of Service (the "Terms") form a binding agreement between you and Xprofit OÜ (registry code 14662029) (the "Operator", "we", "us"). By creating an account or using the Service you accept these Terms.
1. The Service
Arvepidaja (the "Service") is a software-as-a-service tool that helps Estonian businesses (OÜ, AS, FIE, MTÜ) prepare accounting reports and tax declarations for self-submission to Maksu- ja Tolliamet (e-MTA), Äriregister and other authorities.
The Service includes:
- Computation of taxes from user-entered data using public Estonian rates (TuMS, SMS, KMS, KoPS, TKindlS, MKS).
- Generation and validation of XML / CSV / XBRL / PDF declaration files against EMTA / RIK schemas.
- Invoice issuance, bank-statement import, AI-assisted categorisation and document parsing.
- Calculators, knowledge-base search and other ancillary tools.
2. What we are not
The Service is a tool, not a licensed accounting or legal practice. We are not certified accountants (vandeaudiitor / sertifitseeritud raamatupidaja), tax advisors, or attorneys. We do not provide professional accounting, tax, legal or financial advice. Output of the Service is informational and must be reviewed by you before relying on it.
We do not submit declarations on your behalf. All filings to e-MTA, Äriregister, Statistikaamet and other authorities are made by you using your own credentials.
3. Account and access
- You must provide accurate registration information and keep it up to date.
- You are responsible for maintaining the confidentiality of your credentials and for all activity under your account.
- Notify us immediately at info@xprofitx.com if you suspect unauthorised access.
- We may require email verification, two-factor authentication, or other security measures.
4. Plans, fees and billing
The Service is offered in tiered plans (Free, Starter, Standard, Pro). Prices and feature limits are listed at the time of subscription on the pricing page and in your account settings.
- Paid plans are billed in advance on a recurring monthly or annual basis. Charges renew automatically until you cancel.
- Payments are processed by Stripe and EveryPay. By submitting payment details you also accept the terms of the relevant payment processor.
- All fees are stated in EUR exclusive of any applicable VAT, which we add at the rate in force on the date of the invoice if you are a consumer or non-VAT-registered person within the EU.
- We may change prices or plan terms with at least 30 days' notice. Changes apply at the start of your next billing period.
- If a payment fails, the Service may be suspended after a 14-day grace period during which we will attempt to contact you.
5. Cancellation, refunds and consumer withdrawal
You may cancel your subscription at any time from the account settings. Cancellation takes effect at the end of the current billing period; access to paid features remains until then.
Consumer withdrawal right. If you are a consumer in the meaning of the Estonian Consumer Protection Act (Tarbijakaitseseadus, "TKS"), you normally have a 14-day right to withdraw from a distance contract under § 49 TKS. By accepting these Terms and starting to use the Service immediately, you give your express consent to begin performance of the digital service before the 14-day period expires and acknowledge that you thereby lose your right of withdrawal under § 53 lg 4 p 14 TKS.
Refund policy: a separate Refund and Cancellation Policy applies and is incorporated into these Terms by reference.
6. Your responsibilities
- Provide accurate, complete and timely data.
- Review every declaration, invoice and report generated by the Service before submitting or sending it.
- Comply with applicable Estonian and EU tax, accounting and data-protection law.
- Retain primary source documents (contracts, invoices, statements) for the period required by Raamatupidamise seadus § 12 (currently 7 years) — the Service is not a system of record substituting for your own document retention duties.
7. Acceptable use
You agree not to:
- Use the Service for unlawful purposes, fraud, money-laundering, or to file knowingly false declarations.
- Reverse-engineer, decompile, scrape or otherwise extract source code, data structures or unpublished APIs of the Service, except to the extent expressly permitted by mandatory law.
- Resell, sub-license, white-label or impersonate the Service without our prior written consent.
- Upload malware, illegal content, or content infringing third-party intellectual-property rights.
- Disrupt or attempt to compromise the Service's security, availability or other users' privacy.
Violations may result in immediate suspension or termination of your account at our sole discretion, without refund.
8. AI features
The Service may use artificial-intelligence models (including third-party providers such as OpenAI) to suggest categorisations, parse documents, answer chat questions and similar. AI output is probabilistic and may be incorrect. You must review AI-generated suggestions before relying on them and remain solely responsible for the data you submit to authorities.
We do not use your submitted data to train third-party AI models. See the Privacy Policy for details on AI processing.
9. Intellectual property
The Service, its software, design, content and trademarks are owned by the Operator or its licensors and are protected by copyright and other laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose during your subscription. No other rights are granted.
You retain all rights in your data. By uploading content you grant us a worldwide, royalty-free licence to host, process and display your content solely as necessary to provide the Service.
10. Service availability
We aim for high availability but do not guarantee uninterrupted access. We may perform maintenance, updates and security work that temporarily affects availability. We will give reasonable advance notice for non-emergency maintenance.
11. Warranty disclaimer
The Service is provided "as is" and "as available". To the maximum extent permitted by mandatory law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be error-free, secure or that AI suggestions or tax computations are correct or complete for your specific circumstances.
Mandatory consumer rights preserved. If you are a consumer in the meaning of the Estonian Consumer Protection Act (TKS), nothing in this section limits your statutory rights, including but not limited to the two-year non-conformity guarantee for digital services under TKS § 75¹. You must notify us of any non-conformity within two months of becoming aware of it; we will repair, replace or refund as required by law.
12. Limitation of liability
To the maximum extent permitted by mandatory law, our aggregate liability arising out of or relating to the Service in any 12-month period shall not exceed the greater of: (a) the fees you paid us during that period, or (b) EUR 500. For business users (non-consumers) the cap applies per claim and in aggregate.
We shall not be liable for indirect, incidental, consequential, special or punitive damages, lost profits, lost data, business interruption, or fines or penalties imposed by tax authorities. The limitations in this section apply to all claims (contract, tort or otherwise) and survive termination.
Nothing in these Terms limits our liability for: (i) intentional misconduct or gross negligence; (ii) death or personal injury caused by our negligence; (iii) any liability under Articles 82 GDPR; or (iv) any other liability that cannot lawfully be limited under Estonian or EU law, including mandatory consumer rights under TKS.
Estonian courts have, under VÕS § 42, declared certain liability-limiting clauses void where they conflict with good morals or are abusive in consumer contracts. Accordingly, where a court finds any limitation in this section unenforceable in your particular case, the remaining provisions remain in effect to the maximum extent permitted by law.
13. Indemnification
You agree to indemnify and hold the Operator harmless from any third-party claim, loss, liability, fine or expense (including reasonable legal fees) arising from: (a) your use of the Service in breach of these Terms or applicable law; (b) the data you submit; (c) declarations you file with any authority; or (d) your infringement of third-party rights.
14. Termination
We may suspend or terminate your access to the Service at any time:
- Immediately, for material breach of these Terms, fraud, abuse, or non-payment.
- On 30 days' notice, without cause.
On termination we will, on your written request received within 30 days of the termination date, export your data in machine-readable format (CSV for tabular data, JSON for documents and metadata, PDF for declarations) and deliver it via secure download. After 30 days from termination, primary accounting data is retained as required by Raamatupidamise seadus § 12; everything else is deleted within 90 days.
15. Force majeure
Neither party is liable for delay or failure to perform caused by events beyond its reasonable control, including but not limited to: natural disasters, war, terrorism, civil unrest, sanctions and embargoes, government action, public-health emergencies, fire, flood, infrastructure or telecommunications outages, denial-of-service or other cyber attacks, supply-chain disruption, failure of third-party services on which the Service depends (including hosting, payment processors, AI providers and Estonian-government endpoints e-MTA / Äriregister), and labour disputes not initiated by us.
If a force-majeure event continues for more than 60 consecutive days and prevents performance of a material obligation, either party may terminate the affected portion of the Service with written notice. Pre-paid fees attributable to the period after termination will be refunded pro rata.
16. Changes to the Terms
We may amend these Terms. Material changes will be communicated by email and an in-app banner at least 30 days before they take effect. During that 30-day grace period you may terminate your subscription without further obligation; if you continue to use the Service after the effective date, you accept the amended Terms.
17. Regulatory status and disclaimers
The Operator is not a credit institution, payment institution, electronic-money institution or investment firm; it does not require an authorisation from the Estonian Financial Supervision Authority (Finantsinspektsioon) and is not subject to its supervision. All payments are processed by independent licensed payment service providers (Stripe, EveryPay) under their own contracts with you.
The Operator is not an obligated entity within the meaning of the Estonian Money Laundering and Terrorist Financing Prevention Act (Rahapesu ja terrorismi rahastamise tõkestamise seadus, "RahaPTS"). The Service is a software tool; it does not provide accounting, tax-advisory, audit, trust-or-company-service or virtual-asset services to you. Where the Service is used by a person who is themselves an obligated entity (e.g. a licensed accountant or auditor serving their own clients), that person remains solely responsible for their own RahaPTS / EU AML obligations, including customer due diligence, sanctions screening and STR reporting.
Filings to Maksu- ja Tolliamet (e-MTA) and to Äriregister are the user's own filings under the user's own credentials and identity. The Operator is not a tax advisor or a tax representative; the user remains the sole tax-payer of record under MKS § 57 and bears all related liabilities.
18. Complaints
Send any complaint to info@xprofitx.com. We acknowledge complaints within two business days and aim to respond substantively within 14 calendar days. Estonian consumers may also turn to the Consumer Disputes Committee at the Consumer Protection and Technical Regulatory Authority (Tarbijakaitse ja Tehnilise Järelevalve Amet, TTJA) — ttja.ee — or to the EU ODR platform at ec.europa.eu/odr. We are, however, neither obliged nor willing to participate in dispute settlement proceedings before a consumer arbitration body.
19. Governing law and disputes
These Terms are governed by the law of the Republic of Estonia, excluding its conflict-of-laws rules and excluding the UN Convention on Contracts for the International Sale of Goods. The exclusive forum for disputes is Harju Maakohus, Estonia, save where mandatory consumer-protection law grants you a different forum.
20. Severability and entire agreement
If any provision of these Terms is held invalid or unenforceable, the remainder remains in full effect. These Terms, together with the Privacy Policy, DPA, Cookie Policy and Refund Policy, constitute the entire agreement between you and the Operator regarding the Service and supersede all prior agreements.
21. Contact
Questions about these Terms: info@xprofitx.com. Postal address: Pae tn 21, 11414 Tallinn, Estonia.
If translations of these Terms are provided, the Estonian-language version is the controlling text in case of conflict.