1. Website operator
The website is operated by E. Sipolan Tili ja Isännöinti Oy, a Finnish limited company (osakeyhtiö), Business ID 0545990-2, EU VAT FI05459902, registered on 08.03.1984, Kaurastie 11, 90800 Oulu, Finland. Contact: +358453032478, enquiries@esipolantilijaisannointioy.com.
2. Information only — no advice through the website
The content of this website is general information about Finnish accounting, tax and housing company practice. It is not tax, legal or financial advice for any individual situation. An advisory relationship is created only by a written engagement agreement.
3. The tax & audit calculator matrix
The estimator produces indicative figures from simplified general rules for the current tax year. It does not take into account every deduction, rate or exception, it is not a price quote, and its results must not be relied on as the basis for tax filings or business decisions. Tax is assessed by the Finnish Tax Administration. Whether a statutory audit is required depends on the two most recently closed financial years and the company’s articles of association.
4. Services offered
- Accounting and bookkeeping, payroll and statutory reporting
- Tax consultancy for companies and individuals
- Housing company management (isännöinti)
- Management and business consulting
The company does not provide statutory audits, investment services, lending, payment services or any other activity requiring a licence from the Financial Supervisory Authority (FIN-FSA), and makes no promise of any particular tax outcome or financial result.
5. Engagements and fees
Fees are not published on the website. They are set out in a written proposal based on the agreed scope before any work starts. Engagements between businesses follow the written agreement and the general terms referred to in it.
6. Intellectual property
The website’s texts, graphics and code belong to E. Sipolan Tili ja Isännöinti Oy or its licensors and may not be copied for commercial use without permission.
7. Liability
We aim to keep the website accurate and available but do not guarantee that it is error-free or uninterrupted. To the extent permitted by law, the company is not liable for losses arising from reliance on general website content or estimator results.
8. Personal data and cookies
See the Privacy Policy and the Cookie Policy.
9. Governing law
Finnish law applies. Disputes are resolved in the Oulu District Court unless mandatory consumer law provides otherwise.