1. Invosy.com/fi – the service is provided by Invosy Oy (Business ID 3413106-8, IP address: [www.invosy.com/fi](http://www.invosy.com/fi)). The management company refers to Invosy Oy or a trade name registered by Invosy Oy. The user of the service refers to the worker who independently agrees with their client on tasks and pricing.
2. The management company does not, as a rule, market or sell the work performed by the service users. Any promotional activities or comprehensive marketing must be agreed upon separately and personally between the management company and the service user.
3. Using the service requires creating an account on the invosy.com/fi website. Creating an account is free and does not commit the user to anything. The management company confirms the functionality of the account to the service user with a separate notification: “Thank you for registering. You can now log in to the service.”
4. The management company is in no way responsible for the liabilities or obligations related to the work performed by its users. In this context, responsibilities and obligations include any errors, delays, or deficiencies that arise during or after the user’s work. The service user must independently resolve any disputes regarding their work with their client. If the service user is unwilling, unable, or otherwise incapable of correcting an error they caused, the management company has the right to correct the faulty work and charge the costs to the service user. The service user must ensure that the client and any other third parties are fully aware of the management company’s role and how responsibilities are divided between the parties.
5. The service user is insured through the management company with statutory insurance while performing work billed via Invosy and during related travel. The insurance includes accident and liability coverage. Our accident and liability insurance covers the most common tasks performed by light entrepreneurs. The user is responsible for ensuring that their work falls under the coverage of Invosy’s accident and liability insurance. The management company provides the insurance in cooperation with Mutual Insurance Company Fennia. The service user is responsible for paying the deductible of any insurance claims. The insurance does not cover damages caused by unprofessional work. If the field in which the service user operates is regulated by authorities, the management company must be provided with sufficient and accurate certificates and documents proving the service user’s professional qualifications.
6. The management company ensures the protection of service users’ personal data in accordance with the Data Protection Act (2018/1050) and the Act on the Protection of Privacy in Electronic Communications (516/2004). The service user does not have the right to make purchases on invoice, credit, installment, or subcontracting agreements in the name of the management company. Service users must enter into agreements in a manner that acknowledges the management company as an administrative entity, with the service user themselves being responsible for fulfilling their contractual obligations. The management company’s business ID must not be used for VAT-exempt purchases within or outside the EU.
7. The service fee announced on the management company’s website and in effect is charged at the time of payment. The service fee is progressive and depends on the service user’s total invoicing. The fee is calculated as a percentage of the invoiced amount excluding VAT. No separate minimum amount has been set for the service fee.
The express payment (“Pikapalkka”) service fee is 3.5% (+ VAT 25.5%), which is charged in addition to the standard service fee. Pikapalkka applies per invoice, and to use it, the separate Pikapalkka option must be selected on the invoicing form. The service depends on the invoice being confirmed as correct. The user can receive their payment in their bank account even on the same day (depending on interbank connections) once the client has confirmed the invoice’s accuracy — meaning the invoice is valid, final, undisputed, and the recipient has no credit issues. The accuracy of Pikapalkka is confirmed directly by the client unless the user has provided written confirmation of the invoice. Only one Pikapalkka can be active at a time. The total invoice amount must not exceed €4,000. Pikapalkka requires that the work ordered by the client has been completed.
8. The service user must provide the management company with a tax card for payroll purposes. The tax card must be submitted before the first payment. It is possible to issue the invoice to the client before the tax card is submitted. If the tax card is not provided before the first payment, withholding tax will be applied at 60%.
9. The management company pays the salary to the service user once the client’s payment has been received in the management company’s account or according to a separate agreement. The salary is paid when all required information (receipts, travel expenses, sufficient personal details, etc.) has been properly submitted to the management company.
The service user’s salary is determined based on the invoiced amount excluding VAT. From the invoiced amount excluding VAT, the management company’s service fee, statutory employer contributions, and the service user’s personal withholding tax are deducted. The salaries and expense reimbursements to be paid are agreed upon according to the assignment and are one-time payments, including holiday pay.
Along with the salary payment, the user is provided with an electronic pay slip. The user also has the right to request a salary certificate. It is further noted that the service user does not need to make separate declarations or payments regarding their salary to any other parties.
10. The service user is obliged to comply with occupational safety regulations. Work-related tax-free expense reimbursements and daily allowances are paid upon submission of proper receipts. Reimbursements may be made for business travel (excluding commuting between home and workplace), the use of a personal car, and work-related material costs.
It is not possible for the service user to deduct fixed asset purchases through the management company, as doing so would transfer accounting ownership to the management company. Such purchases must be deducted in the service user’s personal tax return. Additionally, the service user is responsible for ensuring that reported tax-free expense reimbursements and other costs are accurate and no more than two months old (original receipts must be submitted no later than at the time of payment). The management company reserves the right to reject expense receipts.
11. The service user is obliged to agree on work assignments and pricing directly with their client. The management company recommends creating a separate agreement or employment contract that specifies at least the minimum scope of the work. The user must set their total invoicing amount so that the resulting gross salary does not fall below the wage determined by the applicable employment agreement in the field. Earnings must not be lower than the minimum wage regulations in the sector, taking into account the payment of tax-free expense reimbursements. The management company reserves the right to withhold payment for an assignment if there is reasonable suspicion that these rules have been violated.
12. It is further noted:
The service user must comply with the legislation in force in Sweden.
The service user must comply with occupational safety regulations and is required to familiarize themselves with the risks and hazards associated with the work, as well as the related safety measures, before starting the job. The service user must ensure that they have the appropriate and up-to-date protective equipment required for the work. The service user is also responsible for the proper use of such equipment.
When the professional field is regulated by authorities, the service user must prove their qualifications with appropriate documentation. If the work requires specific permits, the service user is responsible for ensuring that they have valid and up-to-date permits to perform the work. Tasks requiring permits must be approved in advance with the management company. If these conditions are violated, the service user is not entitled to compensation under Invosy Oy’s valid liability insurance.
The service user is personally responsible for the accuracy of all information they provide. This includes, among other things, the information entered on the invoicing form as well as the reporting of tax-free expense reimbursements and other costs. The management company does not, under any circumstances, provide guarantees for the work performed by the service user, nor does it pay compensation under the Product Liability Act (649/1990). For taxation and accounting purposes, the service user is considered an employee of the management company. However, in other respects, such as from a labor law perspective, the legal status of the service user may differ. Regarding unemployment benefits, the service user may be classified as an entrepreneur. For pension insurance, the service user is personally responsible for obtaining YEL insurance. The management company enables obtaining YEL insurance through the service in cooperation with the pension insurance company Varma.
