Legal Notice and General Terms of Contracting

In compliance with Spanish Law 34/2002 on information society services and electronic commerce, the following details are provided:

• Owner: German Parada Royo
• Tax ID: 46092822V
• Trade name: Finlai
• Address: Avenida Comandante Franco 27, 3B Izquierda, 28016 Madrid, Spain
• Website: https://www.finlai.es
• Application: https://api.finlai.es
• Contact email: gparada@finlai.es

These terms govern access, registration, use, and contracting of Finlai, a financial, document, tax, and invoicing management platform for freelancers, professionals, and small businesses in Spain.

Finlai combines technology features with professional human tax advisory services when those services are contracted or included in the corresponding plan.

Finlai may be contracted by any adult with sufficient legal capacity, acting on their own behalf or on behalf of a company, business, or professional activity. The contracting party declares that the data provided is accurate and that they have sufficient authorization to use the platform and provide third-party documentation where applicable.

The contractual relationship is established between the Client and German Parada Royo, acting under the trade name Finlai, until a change of ownership or continuity of the service by a successor or related company is validly communicated.

Depending on the contracted plan and service availability, Finlai may include:

• Creation and maintenance of a workspace.
• Configuration of tax data, economic activity, and business profile.
• Document upload, storage, and reading.
• Classification of income, expenses, taxes, receipts, invoices, and other tax movements.
• Creation of contacts, products, services, templates, and invoice drafts.
• Issuing, storing, or communicating invoices when the feature is enabled.
• Alerts, reminders, reports, and financial or tax suggestions.
• Features assisted by OCR, artificial intelligence, or other automations.
• Human tax advisory, professional review, and support when expressly contracted.

When the Client contracts tax advisory, Finlai will provide the service with reasonable professional diligence and based on the information and documentation provided by the Client.

The specific scope of advisory services, included forms, frequency, support channels, document review, representation before public administrations, and service limits will be those indicated in the plan, commercial proposal, or specific agreement.

The Client is responsible for providing complete, accurate, and updated information sufficiently in advance. Finlai is not liable for errors, penalties, surcharges, or damages derived from false, incomplete, hidden, late, or undisclosed data provided by the Client.

If Finlai must file tax returns, perform procedures, or act before the Tax Agency or another administration on behalf of the Client, the authorization, mandate, power of attorney, or documentation required in each case will be necessary.

The mandate or authorization granted to Finlai will be limited to the actions necessary to provide the contracted service and may be revoked by the Client through the enabled channels, without prejudice to obligations or actions already carried out before revocation.

Automatic readings, categorizations, drafts, suggestions, alerts, or results generated by OCR, AI, or automations are support tools and may contain errors. The Client must review them before confirming them or using them with third parties.

When human review has been contracted, Finlai may review the information provided, but that review will depend on the available documentation, the contracted scope, and the agreed deadlines.

Invoice drafts are not legally issued invoices. Before issuing an invoice, the Client must review issuer, recipient, concepts, amounts, taxes, withholdings, series, numbering, and any relevant data.

Once issued, the invoice may be locked against ordinary edits. Any correction, cancellation, or rectification must be made according to applicable regulations.

Where applicable, Finlai may submit invoicing records or technical information to the corresponding public systems, including those associated with Verifactu, always within the contracted functional scope and the authorizations granted by the Client.

If Finlai’s invoicing service is used as an invoicing computer system subject to Verifactu or equivalent obligations, Finlai will apply the available technical measures to meet the requirements applicable to the system.

The Client remains responsible for reviewing invoice data, keeping the documentation that corresponds to them, and using the service in accordance with the regulations applicable to their activity.

Finlai may be sold through recurring subscriptions or other plans. Before contracting, economic terms, frequency, applicable taxes, included features, and usage limits will be shown.

Unless otherwise indicated, prices will be shown without VAT or other applicable taxes. The subscription will renew automatically for successive periods equal to the contracted period unless cancelled before renewal.

Payment may be managed through an external payment provider. The Client authorizes charges associated with the contracted plan, renewals, plan changes, and applicable taxes.

The Client may cancel their subscription from the application or by requesting it at gparada@finlai.es. Cancellation prevents future renewals but does not imply an automatic refund for periods already started unless required by law, a specific offer, or an express agreement.

In case of non-payment, Finlai may limit, suspend, or cancel access to paid features, without prejudice to retaining data needed to comply with legal obligations or handle claims.

When the Client is legally considered a consumer, they may have a right of withdrawal under applicable regulations. This right may be excluded or extinguished when the service or digital content starts with express consent and the legal requirements are met.

When the Client acts as a business owner, professional, freelancer, or company within their activity, the consumer withdrawal regime will not apply unless expressly agreed.

It is prohibited to use Finlai for unlawful, fraudulent, or third-party-rights-infringing purposes; upload data or documents without authorization; provide false information; attempt to access unauthorized systems; introduce harmful code; resell the service without permission; or bypass technical or commercial limits.

Finlai may rely on providers of authentication, hosting, database, storage, payments, email, analytics, OCR, AI, electronic invoicing, banking, or other services. Some features may depend on the availability, terms, and changes of those third parties.

Finlai, its software, interfaces, brand, content, databases, documentation, and visual elements belong to its owner or licensors. The Client receives a limited, non-exclusive, non-transferable, non-sublicensable license to use the service during the contractual relationship and according to the contracted plan.

The Client retains rights over their data and documents and authorizes Finlai to host, process, and handle them to the extent necessary to provide the service.

Personal data processing is governed by the Privacy Policy. When Finlai processes data on behalf of the Client, the corresponding data processing obligations under the GDPR and LOPDGDD will apply.

Finlai will apply reasonable technical and organizational measures to protect processed information, including access controls, confidentiality, provider security, and incident management to the extent appropriate for the service.

Finlai will be liable according to law for the services provided. To the maximum extent permitted, it will not be liable for damages derived from incorrect or incomplete information provided by the Client, failure to deliver documents on time, decisions made outside the contracted scope, third-party failures, misuse of credentials, reasonable technical interruptions, or unreviewed automatic results.

Nothing in these terms limits liabilities that cannot legally be excluded, including intent, gross negligence, or non-waivable consumer rights where applicable.

The Client accepts that, if the activity starts being provided through a company incorporated to continue the Finlai project, the owner may communicate the assignment or continuity of the contract, data, rights, and obligations to that company, always respecting applicable regulations and providing the corresponding information about the new controller or provider.

These terms are governed by Spanish law. If the Client acts as a consumer, the competent courts will be those determined by consumer regulations. If the Client acts as a business owner, professional, freelancer, or company, the parties submit, unless mandatory law provides otherwise, to the courts of Madrid.