Terms & Conditions

1. Introduction and Agreement

These Terms and Conditions (“Terms”) govern your use of the website and services provided by Finonic – Smart Finance SLU (“Finonic”, “we”, “our”, or “us”), a company registered in Spain.

By accessing our website at www.finonic.com or engaging our financial services, you (“Client”, “you”, or “your”) agree to be bound by these Terms. If you do not agree to these Terms, you must not use our website or services.

These Terms apply to all visitors, clients, and users of our website and services. We reserve the right to update these Terms at any time. Continued use of our services constitutes acceptance of any revised Terms.

2. About Our Services

Finonic – Smart Finance SLU provides practical finance support services to e-commerce businesses, online advertisers, and digital businesses across Europe. Our core services include:

Financial Operations Support: Day-to-day financial workflows, administration, and process structure.
Cashflow Visibility: Clear insight into balances, movements, and financial flows across systems.
Payment Reconciliation: Support for payment flows, settlements, and data consistency across entities and currencies.
Business Intelligence and Financial Reporting: Interactive dashboards and structured financial data analysis.
Integration with Accounting Software: Including Xero, QuickBooks, NetSuite, and other platforms.
Banking and Merchant Account Support: Financial data management aligned across banking partners.

Our services are designed for businesses operating multiple advertising platforms, payment providers, and merchant accounts.

3. Eligibility

By engaging our services, you represent and warrant that:

You are a duly registered legal entity or acting on behalf of one with authority to bind that entity.
You are at least 18 years of age if engaging as an individual.
You will use our services only for lawful business purposes.
The financial data and information you provide is accurate and complete.

4. Client Obligations

4.1 Information and Access To enable Finonic to deliver its services, you agree to:

Provide accurate, complete, and up-to-date financial information and documentation.
Grant necessary access to relevant systems, accounts, and platforms (e.g. Xero, banking portals) as agreed.
Notify us promptly of any changes to your business operations, financial accounts, or systems that may affect service delivery.
Respond to our reasonable requests for information in a timely manner.

4.2 Lawful Use You agree not to use our services:

For any unlawful purpose, including money laundering, tax evasion, or fraud.
To process or manage funds from illegal activities.
In a manner that violates any applicable laws, including EU financial regulations.
To circumvent regulatory reporting obligations.

We reserve the right to suspend or terminate services immediately if we suspect unlawful use, and we may report such activity to relevant authorities.

5. Fees and Payment

Our fees for services are agreed upon in a separate Service Agreement or engagement letter. Unless otherwise specified:

Fees are invoiced monthly or as otherwise agreed in writing.
Invoices are payable within 30 days of the invoice date.
Late payments may incur interest at the rate permitted by Spanish commercial law.
All fees are exclusive of applicable taxes (including VAT) unless stated otherwise.
We reserve the right to suspend services in the event of non-payment after reasonable notice.

6. Confidentiality

Both parties acknowledge that in the course of providing services, confidential information may be exchanged. Each party agrees to:

Keep all confidential information strictly private and not disclose it to any third party without prior written consent.
Use confidential information only for the purposes of the services described herein.
Apply the same level of care to protect confidential information as it applies to its own confidential information, but in no case less than reasonable care.

This obligation does not apply to information that is publicly available, independently developed, or required to be disclosed by law or regulatory authority.

7. Intellectual Property

All intellectual property rights in our website, tools, processes, methodologies, reports, and service outputs developed by Finonic remain the exclusive property of Finonic – Smart Finance SLU.

We grant you a limited, non-exclusive, non-transferable licence to use outputs and reports delivered to you solely for your internal business purposes.

You retain ownership of your own financial data and documents provided to us. By engaging our services, you grant Finonic a licence to process such data solely for the purpose of service delivery.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

Finonic’s total liability for any claim arising out of or related to these Terms or the services shall not exceed the total fees paid by you in the three (3) months preceding the event giving rise to the claim.
Finonic shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption.
We are not liable for decisions made by you based on financial data, reports, or information we provide. Our services are operational support and do not constitute regulated financial or investment advice.

Nothing in these Terms excludes liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by Spanish or EU law.

9. Disclaimer of Warranties

Our services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, that:

Our services will be uninterrupted, error-free, or completely secure.
The financial data or reports we produce will be free from inaccuracies arising from incorrect information you have provided.
Third-party integrations (such as Xero, NetSuite, or banking platforms) will function without errors or interruptions.

We are not a regulated financial advisor, auditor, or legal advisor. Any financial recommendations or insights provided as part of our services are operational in nature only.

10. Termination

Either party may terminate the service engagement by providing written notice as specified in the applicable Service Agreement. In the absence of a specific agreement:

Either party may terminate with 30 days’ written notice.
Finonic may terminate immediately where you are in material breach of these Terms, engage in unlawful activity, fail to pay fees after notice, or where continued engagement poses a legal or reputational risk.
Upon termination, all outstanding fees become immediately due and payable.
We will return or delete your data as agreed and in accordance with our Privacy Policy.

11. Data Protection

Each party shall comply with its respective obligations under the General Data Protection Regulation (GDPR) and applicable Spanish data protection law. Where Finonic processes personal data on your behalf as a data processor, we will do so only in accordance with your documented instructions and our Data Processing Agreement.

Please refer to our Privacy Policy for full details on how we collect and process personal data.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Spain. Any dispute arising out of or in connection with these Terms that cannot be resolved amicably shall be submitted to the exclusive jurisdiction of the courts of Spain.

Before initiating formal legal proceedings, both parties agree to attempt to resolve disputes in good faith through direct negotiation for a period of 30 days.

13. General Provisions

Entire Agreement: These Terms, together with any signed Service Agreement, constitute the entire agreement between you and Finonic relating to the subject matter herein.
Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver: Failure to enforce any provision shall not constitute a waiver of future enforcement.
Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our obligations to a successor entity.
Notices: Any formal notices shall be delivered by email or postal mail to the addresses provided at the time of engagement.
Force Majeure: Neither party shall be liable for delays or failures caused by circumstances beyond their reasonable control.

14. Contact Us

Finonic – Smart Finance SLU Email:

1. Introduction and Agreement

2. About Our Services

Finonic – Smart Finance SLU provides practical finance support services to e-commerce businesses, online advertisers, and digital businesses across Europe. Our core services include:

Financial Operations Support: Day-to-day financial workflows, administration, and process structure.
Cashflow Visibility: Clear insight into balances, movements, and financial flows across systems.
Payment Reconciliation: Support for payment flows, settlements, and data consistency across entities and currencies.
Business Intelligence and Financial Reporting: Interactive dashboards and structured financial data analysis.
Integration with Accounting Software: Including Xero, QuickBooks, NetSuite, and other platforms.
Banking and Merchant Account Support: Financial data management aligned across banking partners.

Our services are designed for businesses operating multiple advertising platforms, payment providers, and merchant accounts.

3. Eligibility

By engaging our services, you represent and warrant that:

You are a duly registered legal entity or acting on behalf of one with authority to bind that entity.
You are at least 18 years of age if engaging as an individual.
You will use our services only for lawful business purposes.
The financial data and information you provide is accurate and complete.

4. Client Obligations

4.1 Information and Access To enable Finonic to deliver its services, you agree to:

Provide accurate, complete, and up-to-date financial information and documentation.
Grant necessary access to relevant systems, accounts, and platforms (e.g. Xero, banking portals) as agreed.
Notify us promptly of any changes to your business operations, financial accounts, or systems that may affect service delivery.
Respond to our reasonable requests for information in a timely manner.

4.2 Lawful Use You agree not to use our services:

For any unlawful purpose, including money laundering, tax evasion, or fraud.
To process or manage funds from illegal activities.
In a manner that violates any applicable laws, including EU financial regulations.
To circumvent regulatory reporting obligations.

We reserve the right to suspend or terminate services immediately if we suspect unlawful use, and we may report such activity to relevant authorities.

5. Fees and Payment

Our fees for services are agreed upon in a separate Service Agreement or engagement letter. Unless otherwise specified:

Fees are invoiced monthly or as otherwise agreed in writing.
Invoices are payable within 30 days of the invoice date.
Late payments may incur interest at the rate permitted by Spanish commercial law.
All fees are exclusive of applicable taxes (including VAT) unless stated otherwise.
We reserve the right to suspend services in the event of non-payment after reasonable notice.

6. Confidentiality

Both parties acknowledge that in the course of providing services, confidential information may be exchanged. Each party agrees to:

Keep all confidential information strictly private and not disclose it to any third party without prior written consent.
Use confidential information only for the purposes of the services described herein.
Apply the same level of care to protect confidential information as it applies to its own confidential information, but in no case less than reasonable care.

This obligation does not apply to information that is publicly available, independently developed, or required to be disclosed by law or regulatory authority.

7. Intellectual Property

All intellectual property rights in our website, tools, processes, methodologies, reports, and service outputs developed by Finonic remain the exclusive property of Finonic – Smart Finance SLU.

We grant you a limited, non-exclusive, non-transferable licence to use outputs and reports delivered to you solely for your internal business purposes.

You retain ownership of your own financial data and documents provided to us. By engaging our services, you grant Finonic a licence to process such data solely for the purpose of service delivery.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

Finonic’s total liability for any claim arising out of or related to these Terms or the services shall not exceed the total fees paid by you in the three (3) months preceding the event giving rise to the claim.
Finonic shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption.
We are not liable for decisions made by you based on financial data, reports, or information we provide. Our services are operational support and do not constitute regulated financial or investment advice.

9. Disclaimer of Warranties

Our services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, that:

Our services will be uninterrupted, error-free, or completely secure.
The financial data or reports we produce will be free from inaccuracies arising from incorrect information you have provided.
Third-party integrations (such as Xero, NetSuite, or banking platforms) will function without errors or interruptions.

We are not a regulated financial advisor, auditor, or legal advisor. Any financial recommendations or insights provided as part of our services are operational in nature only.

10. Termination

Either party may terminate the service engagement by providing written notice as specified in the applicable Service Agreement. In the absence of a specific agreement:

Either party may terminate with 30 days’ written notice.
Finonic may terminate immediately where you are in material breach of these Terms, engage in unlawful activity, fail to pay fees after notice, or where continued engagement poses a legal or reputational risk.
Upon termination, all outstanding fees become immediately due and payable.
We will return or delete your data as agreed and in accordance with our Privacy Policy.

11. Data Protection

Please refer to our Privacy Policy for full details on how we collect and process personal data.

12. Governing Law and Dispute Resolution

Before initiating formal legal proceedings, both parties agree to attempt to resolve disputes in good faith through direct negotiation for a period of 30 days.

13. General Provisions

Entire Agreement: These Terms, together with any signed Service Agreement, constitute the entire agreement between you and Finonic relating to the subject matter herein.
Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver: Failure to enforce any provision shall not constitute a waiver of future enforcement.
Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our obligations to a successor entity.
Notices: Any formal notices shall be delivered by email or postal mail to the addresses provided at the time of engagement.
Force Majeure: Neither party shall be liable for delays or failures caused by circumstances beyond their reasonable control.

14. Contact Us

Finonic – Smart Finance SLU Email:

1. Introduction and Agreement

2. About Our Services

Finonic – Smart Finance SLU provides practical finance support services to e-commerce businesses, online advertisers, and digital businesses across Europe. Our core services include:

Financial Operations Support: Day-to-day financial workflows, administration, and process structure.
Cashflow Visibility: Clear insight into balances, movements, and financial flows across systems.
Payment Reconciliation: Support for payment flows, settlements, and data consistency across entities and currencies.
Business Intelligence and Financial Reporting: Interactive dashboards and structured financial data analysis.
Integration with Accounting Software: Including Xero, QuickBooks, NetSuite, and other platforms.
Banking and Merchant Account Support: Financial data management aligned across banking partners.

Our services are designed for businesses operating multiple advertising platforms, payment providers, and merchant accounts.

3. Eligibility

By engaging our services, you represent and warrant that:

You are a duly registered legal entity or acting on behalf of one with authority to bind that entity.
You are at least 18 years of age if engaging as an individual.
You will use our services only for lawful business purposes.
The financial data and information you provide is accurate and complete.

4. Client Obligations

4.1 Information and Access To enable Finonic to deliver its services, you agree to:

Provide accurate, complete, and up-to-date financial information and documentation.
Grant necessary access to relevant systems, accounts, and platforms (e.g. Xero, banking portals) as agreed.
Notify us promptly of any changes to your business operations, financial accounts, or systems that may affect service delivery.
Respond to our reasonable requests for information in a timely manner.

4.2 Lawful Use You agree not to use our services:

For any unlawful purpose, including money laundering, tax evasion, or fraud.
To process or manage funds from illegal activities.
In a manner that violates any applicable laws, including EU financial regulations.
To circumvent regulatory reporting obligations.

We reserve the right to suspend or terminate services immediately if we suspect unlawful use, and we may report such activity to relevant authorities.

5. Fees and Payment

Our fees for services are agreed upon in a separate Service Agreement or engagement letter. Unless otherwise specified:

Fees are invoiced monthly or as otherwise agreed in writing.
Invoices are payable within 30 days of the invoice date.
Late payments may incur interest at the rate permitted by Spanish commercial law.
All fees are exclusive of applicable taxes (including VAT) unless stated otherwise.
We reserve the right to suspend services in the event of non-payment after reasonable notice.

6. Confidentiality

Both parties acknowledge that in the course of providing services, confidential information may be exchanged. Each party agrees to:

Keep all confidential information strictly private and not disclose it to any third party without prior written consent.
Use confidential information only for the purposes of the services described herein.
Apply the same level of care to protect confidential information as it applies to its own confidential information, but in no case less than reasonable care.

This obligation does not apply to information that is publicly available, independently developed, or required to be disclosed by law or regulatory authority.

7. Intellectual Property

All intellectual property rights in our website, tools, processes, methodologies, reports, and service outputs developed by Finonic remain the exclusive property of Finonic – Smart Finance SLU.

We grant you a limited, non-exclusive, non-transferable licence to use outputs and reports delivered to you solely for your internal business purposes.

You retain ownership of your own financial data and documents provided to us. By engaging our services, you grant Finonic a licence to process such data solely for the purpose of service delivery.

8. Limitation of Liability

To the fullest extent permitted by applicable law:

Finonic’s total liability for any claim arising out of or related to these Terms or the services shall not exceed the total fees paid by you in the three (3) months preceding the event giving rise to the claim.
Finonic shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or business interruption.
We are not liable for decisions made by you based on financial data, reports, or information we provide. Our services are operational support and do not constitute regulated financial or investment advice.

9. Disclaimer of Warranties

Our services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, that:

Our services will be uninterrupted, error-free, or completely secure.
The financial data or reports we produce will be free from inaccuracies arising from incorrect information you have provided.
Third-party integrations (such as Xero, NetSuite, or banking platforms) will function without errors or interruptions.

We are not a regulated financial advisor, auditor, or legal advisor. Any financial recommendations or insights provided as part of our services are operational in nature only.

10. Termination

Either party may terminate the service engagement by providing written notice as specified in the applicable Service Agreement. In the absence of a specific agreement:

Either party may terminate with 30 days’ written notice.
Finonic may terminate immediately where you are in material breach of these Terms, engage in unlawful activity, fail to pay fees after notice, or where continued engagement poses a legal or reputational risk.
Upon termination, all outstanding fees become immediately due and payable.
We will return or delete your data as agreed and in accordance with our Privacy Policy.

11. Data Protection

Please refer to our Privacy Policy for full details on how we collect and process personal data.

12. Governing Law and Dispute Resolution

Before initiating formal legal proceedings, both parties agree to attempt to resolve disputes in good faith through direct negotiation for a period of 30 days.

13. General Provisions

Entire Agreement: These Terms, together with any signed Service Agreement, constitute the entire agreement between you and Finonic relating to the subject matter herein.
Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver: Failure to enforce any provision shall not constitute a waiver of future enforcement.
Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our obligations to a successor entity.
Notices: Any formal notices shall be delivered by email or postal mail to the addresses provided at the time of engagement.
Force Majeure: Neither party shall be liable for delays or failures caused by circumstances beyond their reasonable control.

14. Contact Us

Finonic – Smart Finance SLU Email: contact@finonic.com Website: www.finonic.com

Website: www.finonic.com