Terms of Service
Version: 1.0 Last updated: 6 September 2026
1. Who we are
These Terms of Service govern the use of Vuokravirta, a rental-management software service provided by:
Axantem Oy Business ID 3004294-9 Vallikatu 10 B 9 33240 Tampere Finland
Email: vuokravirta@anttiivanoff.com
In these Terms, “Axantem”, “Vuokravirta”, “we”, “us” and “our” refer to Axantem Oy where applicable.
“Customer” means the individual or organisation that enters into an agreement to use Vuokravirta.
A person using Vuokravirta on behalf of an organisation represents that they are authorised to do so.
2. Agreement
By creating an account, accepting an invitation, purchasing a subscription, or otherwise accepting Terms presented in connection with the Service, you agree to these Terms.
The Privacy Policy, applicable order or subscription terms and, where Axantem processes Personal Data on the Customer's behalf, the Vuokravirta Data Processing Agreement form part of the agreement.
Mandatory rights granted by applicable law remain unaffected.
3. Consumer Customers
Some individual landlords may qualify as consumers under applicable law depending on whether they acquire Vuokravirta primarily outside their trade, business or profession.
If mandatory consumer-protection law applies to a Customer, nothing in these Terms limits rights that cannot lawfully be limited or waived.
Consumer Customers may have statutory rights concerning, among other matters:
- conformity of digital services;
- defects;
- availability of remedies;
- modifications to digital services;
- termination; and
- withdrawal from distance contracts.
Where applicable, information concerning statutory withdrawal rights shall also be provided during the ordering process.
4. The Service
Vuokravirta is software intended to assist landlords and other authorised rental-management users with activities such as:
- maintaining rental-management information;
- recording properties, units, tenants and leases;
- importing and reviewing financial transactions;
- reconciling rent payments;
- identifying possible payment matches;
- monitoring rent obligations and arrears;
- producing reports or exports;
- preparing rental-management communications; and
- other related functionality introduced over time.
Vuokravirta is an administrative tool.
Unless expressly stated for a particular regulated feature, Vuokravirta is not:
- a bank;
- a payment institution;
- a debt-collection agency;
- a law firm;
- an accounting firm;
- a credit-reference agency; or
- a tenant-screening service.
Information, classifications, calculations, reminders, templates, AI-generated material and suggested actions provided by the Service are assistance tools and are not legal, tax, accounting or investment advice.
The Customer remains responsible for reviewing information before relying on it for consequential action.
5. Beta and staging environments
Vuokravirta may initially be provided on an invite-only beta basis.
Beta functionality may be incomplete and may change substantially.
Staging and test environments may be reset or wiped.
Unless Axantem expressly confirms that an environment is approved for real Customer Personal Data, Customers must not use that environment for real tenant, payer or payment information.
This restriction does not remove Axantem's data-protection obligations for any Personal Data that Axantem actually processes.
6. Accounts and organisations
Customers must provide accurate account information and keep access credentials confidential.
Credentials may not be shared between individuals.
Customers are responsible for:
- authorised users they invite to an organisation;
- assigning appropriate access rights;
- removing access when no longer required; and
- notifying Axantem of suspected unauthorised account use.
An organisation administrator may be able to access information maintained within that organisation.
Customers must not attempt to access another Customer's organisation or circumvent technical access restrictions.
Axantem may suspend access where reasonably necessary to investigate:
- a security incident;
- suspected unauthorised access;
- illegal use;
- material breach of these Terms; or
- a threat to the Service or other users.
Where reasonably possible, Axantem will seek to limit suspension to what is necessary.
7. Customer Data
“Customer Data” means information submitted, imported, created or stored by or for a Customer through the Service.
As between Axantem and the Customer, the Customer retains its rights in Customer Data.
The Customer authorises Axantem to process Customer Data only as necessary to:
- provide and operate the Service;
- perform the Customer's configured or documented instructions;
- maintain security;
- troubleshoot and support the Service;
- comply with applicable law; and
- perform other processing expressly described in the agreement or Data Processing Agreement.
Axantem does not acquire ownership of Customer rental-management data merely because it is processed through Vuokravirta.
8. Bank imports and payment data
Vuokravirta may support importing bank-transaction information.
In the current supported manual import architecture, a statement file may be parsed locally in the user's browser and selected or normalised transaction information is then transmitted to and stored in Vuokravirta.
The Service may store information including:
- dates;
- amounts;
- payer or payee names;
- payment references;
- limited payment-message information;
- account identifiers or derived identifiers;
- classifications; and
- links between transactions and rental obligations.
A bank transaction may contain Personal Data relating to someone other than the tenant, such as a spouse, relative, employer, company, benefit provider or other third-party payer.
Customers must have a lawful basis and appropriate authority for the information they process using Vuokravirta.
Customers should retain original bank records where they are required for accounting, taxation, evidence or other legal purposes. Vuokravirta should not be treated as the sole statutory archive of original banking documents unless a specific feature expressly states otherwise.
Axantem does not guarantee that every bank transaction, missing payment or matching candidate will be detected correctly.
Customers remain responsible for reviewing payment status and taking appropriate action.
9. Matching, automation and communications
Vuokravirta may use deterministic rules, statistical techniques, automated classifications, confidence scores, machine learning or artificial intelligence to assist with rental-management tasks.
An automatic internal classification does not necessarily constitute a legally significant automated decision.
Customers should review consequential actions before acting on them where appropriate.
Features that independently make materially adverse decisions concerning tenants, such as tenant rejection or creditworthiness decisions, require separate legal and product assessment before being introduced.
10. Incidental sensitive information
Vuokravirta is not intended to function as a repository for unnecessary:
- health information;
- political or religious information;
- criminal-conviction information;
- national identification numbers; or
- similar highly sensitive information.
Nevertheless, ordinary rental-management data may incidentally reveal private or sensitive facts.
For example, payment descriptions can sometimes refer to benefits or other personal circumstances.
Incidental occurrence of such information does not by itself constitute a breach of these Terms.
Customers should apply data minimisation and avoid entering sensitive information unless it is reasonably necessary and lawful for the relevant rental-management purpose.
11. Acceptable use
Vuokravirta may only be used lawfully.
Customers must not use the Service to:
- violate data-protection, discrimination, tenancy or other applicable law;
- unlawfully monitor, profile or discriminate against tenants or prospective tenants;
- process Personal Data without an appropriate purpose or authority;
- send unlawful threats, harassment or misleading communications;
- distribute malware or harmful code;
- circumvent access controls;
- interfere with the security or operation of the Service;
- gain unauthorised access to another person's information;
- send spam or unlawful marketing; or
- use the Service for fraudulent or criminal activity.
12. Third-party services
Vuokravirta relies on third-party infrastructure and may offer integrations with third-party services.
These may include hosting, database, authentication, transactional email, payment or banking providers.
Optional integrations may also be subject to terms imposed by the relevant provider.
Third-party involvement does not remove any mandatory legal responsibility Axantem has towards a Consumer Customer.
13. Fees and subscriptions
Where a paid subscription is offered, applicable pricing, billing period, taxes and renewal information are shown in the ordering process or applicable order.
Those commercial terms form part of the agreement.
Axantem will not impose a paid subscription or renewal obligation that has not been properly disclosed and accepted.
14. Service modifications
Vuokravirta is actively developed.
Axantem may modify the Service for legitimate reasons including:
- security;
- legal or regulatory requirements;
- technical changes;
- performance;
- interoperability;
- third-party dependency changes;
- product development; or
- replacement of obsolete functionality.
Where mandatory consumer law governs a modification, the Customer retains the rights provided by that law.
Material contractual changes will be communicated in an appropriate manner before they take effect where required.
15. Availability
Axantem aims to provide a reliable Service but does not promise uninterrupted or error-free availability.
Maintenance, security incidents, provider outages, beta development and events outside Axantem's reasonable control may temporarily affect availability.
No service level agreement applies unless Axantem expressly agrees to one in writing.
This clause does not exclude mandatory remedies available to Consumer Customers for a defective digital service.
16. Customer responsibility
Vuokravirta is intended to reduce administrative work, not to replace the Customer's judgement.
The Customer remains responsible for matters including:
- the legality of its rental activity;
- accuracy of rental terms entered into the Service;
- reviewing transaction matches;
- determining whether rent has actually been paid;
- deciding whether and when to contact a tenant;
- reviewing reminders before consequential use where appropriate;
- legal deadlines;
- tax and accounting obligations; and
- preservation of source documents required by law.
17. Intellectual property
Vuokravirta, its software, user interface, documentation, trademarks and other intellectual property are owned by Axantem or its licensors.
The Customer receives a limited, non-exclusive, non-transferable right to use the Service for its intended purpose during the agreement.
This does not transfer ownership of the Service or its source code.
18. Termination
A Customer may stop using or cancel the Service in accordance with its applicable subscription or order terms and any mandatory rights.
Axantem may suspend or terminate access where reasonably necessary due to:
- material breach;
- continued non-payment;
- illegal use;
- serious security risk; or
- discontinuation of the Service.
Where circumstances permit, Axantem will normally provide reasonable notice and an opportunity to export Customer Data before permanent termination.
Data return and deletion are governed by the Data Processing Agreement and Privacy Policy where applicable.
19. Liability — Consumer Customers
Where the Customer is a consumer, Axantem's liability is governed by mandatory Finnish and EU consumer law.
Nothing in these Terms excludes or restricts liability or remedies that cannot legally be excluded or restricted.
20. Liability — Business Customers
This section applies only to Customers acting primarily in the course of their trade, business or profession.
To the fullest extent permitted by law, Axantem is not liable to a Business Customer for indirect or consequential loss, loss of profit, loss of business opportunity or loss of anticipated rental income.
Axantem is not responsible for loss caused by a Business Customer's:
- unlawful processing;
- inaccurate Customer Data;
- failure to review an automated suggestion;
- failure to preserve source records;
- failure to comply with a legal deadline; or
- use of the Service contrary to documented instructions.
To the fullest extent permitted by law, Axantem's aggregate contractual liability to a Business Customer arising from the Service during any twelve-month period is limited to the fees paid or payable by that Customer for the affected Service during the twelve months preceding the event giving rise to the claim.
If the affected Service has been provided entirely free of charge, the aggregate cap is EUR 100.
These limitations do not apply to liability that cannot legally be limited, including liability arising from intentional misconduct where applicable.
They do not limit the independent statutory rights of Data Subjects under data-protection law.
21. Customer-caused third-party claims
For Business Customers only, the Customer is responsible for reasonable losses or third-party claims to the extent directly caused by the Customer's unlawful Customer Data, unlawful documented instructions or intentional misuse of the Service.
This clause does not apply to the extent a claim was caused by Axantem's own breach or unlawful processing.
This clause does not apply to Consumer Customers.
22. Data protection and DPA
Axantem may act in different GDPR roles depending on the processing.
For account administration, billing, security, direct support and Axantem's own business administration, Axantem generally acts as Controller.
For tenant, payer, lease, rental-management and imported transaction Personal Data processed on the Customer's instructions, the Customer generally acts as Controller and Axantem acts as Processor.
If the Customer itself processes Personal Data on another Controller's behalf, Axantem may act as a Subprocessor.
Where Axantem acts as Processor or Subprocessor, the Vuokravirta Data Processing Agreement applies and forms part of the agreement.
23. Governing law
These Terms are governed by the laws of Finland, excluding conflict-of-laws rules.
Mandatory consumer protections applicable to Consumer Customers remain unaffected.
24. Disputes
The parties should first attempt to resolve disputes directly.
Contact:
For Business Customers, disputes that cannot be settled amicably shall be submitted to the Pirkanmaa District Court, Finland, unless otherwise agreed.
A Consumer Customer may bring proceedings before a court having jurisdiction under mandatory law.
Finnish Consumer Customers may also contact the Finnish Consumer Advisory Services and, where applicable, refer a dispute to the Consumer Disputes Board.