Terms of Service and Legal Agreement

1.1. Explicit Consent:

• Account creation requires explicit acceptance of these Terms
• Users must be at least 18 years old to use the Service
• Users must have legal capacity to enter into binding agreements
• Users must provide accurate registration information

1.2. Electronic Agreement:

• These Terms constitute a legally binding electronic agreement
• Acceptance is recorded with timestamp and IP address
• Agreement covers all current and future Service features
• Separate consent required for processing personal data

1.3. Representation:

• Users represent they have authority to accept these Terms
• Business users warrant they have authority to bind their organization
• Users confirm all provided information is accurate and complete
• Users acknowledge reading and understanding these Terms

• "Service" refers to TaxFlow, a web-based platform for automated tax reporting and trade analysis
• "User" refers to any individual or entity with a registered account on the Service
• "Trade Data" refers to financial transaction records imported from supported brokers
• "SRU" refers to Standardiserat RäkenskapsUtdrag, the standardized accounting extract required by Skatteverket
• "Supported Brokers" refers to Interactive Brokers, Avanza, and Nordnet
• "Premium Features" refers to advanced functionalities including trade history analysis, analytics, and tax optimization

2.1. Core Features:

• Import and processing of trade data from Supported Brokers
• Automated generation of SRU files for tax reporting
• Basic trade history viewing and management
• Currency conversion to SEK using official exchange rates

2.2. Premium Features:

• Advanced trade history analysis
• Tax optimization suggestions
• Analytics and reporting tools
• Priority customer support

2.3. Service Limitations:

• Support limited to specified brokers and file formats
• Processing capacity based on subscription tier
• Tax calculations specific to Swedish regulations
• No guarantee of tax authority acceptance

3.1. Data Storage:

• Trade data stored in MongoDB database
• Authentication managed through Clerk
• Payment processing handled by Stripe
• Data hosted within EU/EEA region

3.2. Data Security:

• End-to-end encryption for data transmission
• Secure authentication with multi-factor options
• Regular security audits and monitoring
• Automated backup procedures

3.3. Data Retention:

• Trade data retained for 7 years (Bokföringslagen)
• Account data kept while subscription active
• Technical logs maintained for 12 months
• Generated reports available for download

4.1. Service Tiers:

• Free tier with basic functionality
• Premium tier with advanced features
• Enterprise solutions available

4.2. Pricing and Payment:

• All prices are displayed in SEK/EUR and include VAT
• Subscriptions billed in advance
• Recurring charges for ongoing access
• Pricing may be adjusted
• Payment processed through Stripe

4.3. Enterprise Plan:

• Custom integration options
• Dedicated support
• Custom feature development
• Service Level Agreement

5.1. Data Accuracy:

• Provide accurate and complete broker statements for processing
• Thoroughly verify all generated SRU files before submission to tax authorities
• Report any discrepancies or errors promptly to TaxFlow
• Maintain original trading records for at least 7 years as required by tax regulations
• Ensure all submitted information complies with applicable tax laws

5.2. SRU File Verification Responsibility:

• Independently review all SRU file contents before submission
• Verify that all transactions are correctly categorized and calculated
• Confirm personal information is accurate and complete
• Ensure all tax calculations align with current tax laws
• Consult with qualified tax professionals as needed

5.3. Account Security:

• Secure login credentials
• Enable two-factor authentication
• Report unauthorized access
• Keep contact information updated

6.1. Service Limitations:

• Not a substitute for professional tax advice or services
• No guarantee or warranty of tax calculation accuracy or completeness
• Dependent on the accuracy and quality of user-provided broker data
• Subject to system availability and technical limitations

6.2. SRU File Generation Disclaimer:

• No Accuracy Guarantee: TaxFlow makes no representations or warranties regarding the accuracy, completeness, or reliability of generated SRU files
• User Responsibility: Users are solely and legally responsible for verifying all data in generated SRU files
• No Tax Advice: Generated SRU files do not constitute professional tax, legal, or accounting advice
• Tax Law Compliance: Users must ensure their tax submissions comply with all applicable laws and regulations
• No Liability for Penalties: TaxFlow is not responsible for any tax penalties, interest, or additional assessments that may result from using the generated files

6.3. User Responsibility:

• Verify all generated reports prior to submission to tax authorities
• Comply with all applicable tax regulations and filing requirements
• Maintain required documentation to support tax filings
• Meet all tax filing deadlines independently
• Accept full legal responsibility for all tax submissions

6.4. Limitation of Liability:

• To the maximum extent permitted by law, TaxFlow shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages
• This includes but is not limited to damages for tax penalties, interest, additional tax assessments, loss of profits, or financial losses
• This limitation applies regardless of the legal theory of liability, even if TaxFlow has been advised of the possibility of such damages
• User acknowledges that the use of TaxFlow services, especially SRU file generation, is at their own risk

6.5. Indemnification:

• Users agree to indemnify, defend, and hold harmless TaxFlow from all claims, liabilities, damages, losses, costs, expenses, or fees arising from their use of the service
• This specifically includes any claims related to SRU files generated through the service and submitted to tax authorities
• Users accept full responsibility for all tax filings based on TaxFlow-generated content

7.1. Service Changes:

• Features may be added or removed
• Pricing may be adjusted
• Supported brokers may change
• 30 days notice for material changes

7.2. Account Termination:

• Cancel subscription anytime
• Export data before closing account
• Data retained per legal requirements
• No refund for partial periods