Terms, privacy and cookies

In force from 25 September 2026.

Service provider

Palkkaguru Oy
Bulevardi 30 A 21
00120 Helsinki
Business ID: 3021959-9,
Domiciled in Helsinki
laskutus@palkkaguru.fi
+358 9-231 216 19

Service Buyer

Service description and contract content

A typical Palkkaguru Oy service buyer is a private individual who does not yet have their own business ID. They may be considering starting their own business soon. A Palkkaguru Oy service buyer can also be a freelance entrepreneur who has provided work or services to a customer they are supposed to bill.

The billable customer is not a customer of Palkkaguru Oy. Palkkaguru Oy requires a valid written or oral agreement between the freelance entrepreneur and the billable customer.

The buyer of the service is a private individual (consumer) who has accepted the terms and conditions of Palkkaguru Oy. In this agreement and in Palkkaguru Oy, the client is referred to as a “freelance entrepreneur.”

Service Terms

1. When using the service, the Freelancer will accept all terms and conditions. Upon signing up for the service, you must accept and abide by these terms and conditions.
2. Palkkaguru Oy undertakes to pay the invoices, payroll, and other services in accordance with all applicable laws and regulations, and comply with the general good practices in the industry.
3. The Freelancer is a customer of Palkkaguru Oy. The Freelancer’s client is not a client of Palkkaguru Oy, but rather a company or individual who is billed by Palkkaguru Oy in accordance with the assignment.
4. Palkkaguru Oy will first receive a billing order from the customer, which Palkkaguru Oy will invoice as soon as possible based on the information provided. If the information incomplete or incorrect, the submission of the invoice may be delayed. For example, if the company name and/or business ID is incorrect.
5. The billing order also provides all the information needed for payroll payment. If not all information is provided to Palkkaguru Oy, it may slow down the payroll payment (for example, if a personal identification number or account number is missing).
6. When the payment is invoiced to Palkkaguru Oy, Palkkaguru Oy will pay the wages to the freelance entrepreneur.
7. The freelancer receives a personal message to check when the net salary can be withdrawn from the account.
8. The freelance entrepreneur receives an online salary (payroll) from their personal online bank or via email, where they can check the paid amount.
9. The freelance entrepreneur will be responsible for and will pay the statutory pension insurance contributions to Elo (or any other pension insurance company of their choice) and will pay the contributions directly to the pension insurance company. Palkkaguru will assist and advise upon request, but the freelancer is ultimately responsible for this.
10. The accident insurance is taken out with LähiTapiola and comes with the package: it is included in the Smart and Responsible packages, and the Basic package does not include it. Liability insurance is included in the Responsible package only. Any other insurance the work or service requires is the freelance entrepreneur’s own responsibility, and may be taken out with LähiTapiola or any other insurance company of their choice. The freelance entrepreneur is responsible for any deductible. Palkkaguru Oy assists and advises upon request, but responsibility for these matters remains with the freelance entrepreneur.
11. If a freelance entrepreneur client fails to pay the invoice to Palkkaguru Oy on time, Palkkaguru Oy will automatically initiate a notice and recovery within 7 days from the due date. One payment reminder will be sent to the customer, after which the invoice will be collected by a collection agency at the request of freelance entrepreneur (this is an additional service not included in the basic price of the service).
12. Palkkaguru Oy deducts any statutory fees payable to the authorities from the freelancer’s payroll (net salary). Payments made to the authorities will be subject to the applicable VAT in accordance with the Tax Administration’s instructions.
13. Palkkaguru Oy undertakes to report and settle all payments it receives (e.g., withholding tax, SAVA payments, bail accounts, income tax returns, and separate notices) to the Tax Administration or other authorities or insurance companies in a timely manner.
14. If a freelancer entrepreneur customer claims an invoice, the invoice should be addressed to the freelancer entrepreneur, and Palkkaguru Oy should be informed of this complaint.
15. Palkkaguru Oy is committed to complying with all laws and regulations and takes great care in ensuring data security data protection. Palkkaguru Oy does not provide any information to third parties without the permission of the freelancer
16. Palkkaguru Oy complies with the EU General Data Protection Regulation (GDPR).
17. The freelance entrepreneur undertakes to provide all information correctly and honestly to Palkkaguru Oy.
18. Any disputes shall be primarily resolved between the Parties.

Privacy Policy

This policy sets out what data Palkkaguru Oy collects on its website and in its service, what it is used for, and how long it is kept. The controller is Palkkaguru Oy, contact details above. Questions and requests about data protection: laskutus@palkkaguru.fi.

What we collect

When you use the service. Name, personal identity code, contact details, bank account number, the details of the billing order, and the information needed for payroll and tax reporting. These are necessary in order to invoice on your behalf and pay your wages.

When you contact us. Name, email address, any phone number and the content of your message, whether you use the form, email or the chat.

When you read the site. If you allow it in the cookie banner, we collect statistics about how the site is used. See Cookies below. Without permission we collect nothing of this kind.

Our servers additionally produce technical logs (IP address, browser type, timestamp, page requested). These are used only to prevent abuse and to diagnose faults, and are not linked to an individual.

What we use it for

Providing the service: invoicing, payroll, insurance and statutory reporting.

Answering enquiries.

Improving how the site works and what it says, if you have allowed it.

Preventing abuse and fraud.

We do not sell personal data and we do not release it for marketing purposes.

Lawful basis

We process personal and financial data on the basis of a contract (providing invoicing services), a legal obligation (Finnish and EU legislation, accounting law and anti-money-laundering law) and legitimate interest (keeping our service secure and intact). Statistics and embedded content rely on your consent, which you can withdraw at any time.

Who we share it with

Authorities, where the law requires it: for example Incomes Register reports to the Tax Administration, and other statutory reports to supervisory authorities.

The insurance company, to the extent the insurance included in your package requires.

Our service providers, who process data on our behalf: Google (analytics and the chat workspace), Microsoft (Clarity), Cloudflare (the site’s technical platform, chat storage and spam protection). Each one’s role is described below.

We do not share data with advertisers or ad networks. There are no advertisements on this site.

If Palkkaguru Oy’s business or part of it transfers as part of a corporate transaction, customer data may transfer with it. We would tell you in advance.

Transfers outside the EU

Some of the services we use also process data outside the EU and EEA. Such transfers rely on the European Commission’s standard contractual clauses.

Retention

Accounting and payroll data is kept for as long as the law requires. Accounting law typically requires six years from the end of the financial year, and anti-money-laundering law five years from the end of the client relationship.

Enquiries and chat conversations: see Website chat service.

Statistics: see Cookies.

Once data is no longer needed and the law no longer requires it to be kept, it is deleted or anonymised.

Security

We use technical and organisational measures to protect data, including encryption in transit and at rest, access control and access logging. No system is impossible to breach, but if a breach is likely to result in a risk to your rights, we will tell you and the Data Protection Ombudsman within the time the law requires.

Your rights

You have the right to:

be told what data we process about you, and receive a copy of it

ask us to correct data that is wrong, or complete data that is incomplete

ask us to delete data, to the extent the law does not require us to keep it

ask us to restrict processing, or object to it

receive the data you gave us in a machine-readable form and transfer it to another provider

withdraw a consent you have given, at any time

Requests: laskutus@palkkaguru.fi. We answer within one month. If you believe we are processing your data unlawfully, you can lodge a complaint with the Office of the Data Protection Ombudsman.

Children’s data

The service is intended for adults. We do not knowingly collect personal data from anyone under 13. If a minor’s data has reached us, contact us and we will delete it without delay.

Links to other websites

The site links to other websites. This policy does not cover them, and Palkkaguru Oy is not responsible for their content or their privacy practices.

Cookie Policy

This site sets no tracking cookies of its own and shows no advertisements. Permission is asked for two things: visitor statistics and session recording, and the embedded map. You can change your choice at any time from the Cookie settings button at the foot of the page.

The sections below match the three items in the cookie banner exactly. If any of it is unclear, ask us.

Strictly necessary

These are always on and are not asked about, because the site does not work without them.

Spam protection. The contact form is protected by Cloudflare Turnstile, which distinguishes a person from automated traffic without picture puzzles. Cloudflare sets the cookies cf_clearance and __cf_bm for this. The first is proof that a challenge was passed, the second expires after 30 minutes of inactivity. The form cannot be submitted without them.

The chat conversation token. The chat stores a token in your browser so you can return to your own conversation. It lasts 7 days and contains no personal data.

Your cookie choice. Your choice is stored in your browser so the banner does not have to ask again. The record holds the categories you chose, the version and the time.

Statistics and session recording

We use two analytics services. Neither loads until you allow it in the cookie banner, and neither loads at all if you choose “Necessary only”. This is not a setting inside the cookies but a choice that comes before them: without permission the service’s script is never fetched onto the page.

Google Tag Manager and Google Analytics. Tag Manager loads the measurement scripts, and Google Analytics tells us which pages are read, where visitors arrive from, and which pages lead to contact. Google sets its own cookies for this and receives your IP address. We do not use Google’s advertising features, and advertising storage is denied in every case, including when you accept all cookies. Google Ireland Limited is the service provider.

Microsoft Clarity. Clarity records an anonymous replay of your visit: mouse movement, scrolling and clicks. We use it to see where on a page a reader stops or gets stuck. The contents of form fields and dropdowns are masked in every Clarity setting, and this cannot be switched off at our end, so anything you type into a form never reaches the recording. We use Clarity’s default setting, which additionally masks numbers and email addresses elsewhere on the page. Microsoft retains recordings for 30 days, and heatmaps and aggregated data for 9 months, after which they are deleted including from backups. Microsoft Ireland Operations Limited is the service provider.

The lawful basis is your consent. Withdrawing it stops the services loading on later visits; data already collected is subject to the retention periods above.

Embedded content

The contact page carries a map that is loaded from a third party. Loading it tells that third party your IP address. The map does not load until you allow it, and you can also load it once, from the button on the map itself, without giving a standing permission.

How to manage cookies

Your choice can be changed from the Cookie settings button at the foot of the page. You can also block cookies in your browser settings, but that blocks the strictly necessary ones too, and the contact form will not work.

Website chat service

What we process

Opening the chat window stores nothing. Processing begins only when you send your first message.

The content of your messages and the times of the conversation

Your name and email address, requested only when you ask to speak to a colleague. A phone number is optional.

Any files you attach, which is possible only after that handover

Your browser type and a salted hash of your IP address. We do not store the address itself. The hash is used only to prevent abuse.

Please do not send personal identity codes, banking credentials or other particularly sensitive information through the chat. Use the portal or another agreed channel for those.

AI assistant

Your questions are answered first by an AI assistant, not a person. You can ask to speak to a colleague at any time and we will hand the conversation over. The assistant uses Google’s Gemini model, and your messages are sent to Google in order to generate a reply.

The assistant does not make decisions about you, and its answers are not a binding offer.

Purpose and lawful basis

We process this data on the basis of our legitimate interest in responding to your enquiry, and where you ask about purchasing a service, on the basis of steps taken prior to entering into a contract.

Who we share it with

Google: conversations are delivered into our Google Chat workspace, where our colleagues read and answer them. Google also processes the messages handled by the AI assistant.

Cloudflare: the technical platform for the service; conversations and attachments are stored in Cloudflare’s services.

Some processing may take place outside the EU. Such transfers rely on the European Commission’s standard contractual clauses.

Retention

Conversations and their attachments are deleted automatically once 12 months have passed without a new message.

If a conversation leads to a client relationship, related information may be retained longer as required by accounting and anti-money-laundering law.

Browser storage

The chat stores a token in your browser’s localStorage so you can return to your own conversation. It lasts 7 days, contains no personal data, and is strictly necessary for the service to work.

Your rights

You have the right to access your data, correct it, request its deletion and object to processing. Requests: laskutus@palkkaguru.fi You may also lodge a complaint with the Finnish Data Protection Ombudsman.

Terms of Use

Using the site

The site and its content exist to describe our service and to serve our clients. The content belongs to Palkkaguru Oy or its licensors and is protected by copyright and trademark law. You are free to read it and to link to it. Copying, altering or republishing it elsewhere requires written permission.

You may not use the site unlawfully, interfere with its operation, or attempt to reach data that is not intended for you.

If you send us suggestions or feedback about the site or the service, we may use them without compensation.

Content and availability

We aim to keep the site accurate and up to date. Prices, service descriptions and references to legislation can change, however, and the site may contain errors. Information on the site is not a binding offer, and it does not replace individual advice on tax, insurance or legal questions.

If a price or a service detail is published in clearly erroneous form, we are not bound by the incorrect information. We will tell you about the error and the correct information without delay.

The site may be unavailable temporarily because of maintenance or a fault. The content and operation of the service itself are agreed separately in the service contract.

Liability

We are liable for our service as set out in the contract and in mandatory legislation. We do not limit our liability to the extent that doing so is prohibited by the Finnish Consumer Protection Act or other mandatory law.

We are not liable for loss arising from a temporary interruption to the site or from an error in the information on it, unless the loss results from our negligence.

We are not responsible for third-party sites or services linked from the site.

Changes to these terms

We may change these terms. We will announce material changes on the site or directly to clients at least 30 days before they take effect. The version in force and the date it took effect are shown at the top of this page.

Governing law and disputes

These terms are governed by Finnish law.

Disputes are resolved by negotiation in the first instance. Contact laskutus@palkkaguru.fi and we will look into it.

If the matter is not resolved, a consumer may refer the dispute to the Consumer Disputes Board (kuluttajariita.fi). Before doing so, contact the Consumer Advisory Service (kuluttajaneuvonta.fi). A dispute may also be brought before the District Court of Helsinki or the district court of the consumer’s place of residence.