Terms of Use

Please read these Terms of Use ("Terms") carefully before using Valuepoint Labs ("the Service"). The Service is operated and provided by Viimos Oy, a limited liability company incorporated in Finland (Business ID 3612414-4), trading as Valuepoint Labs ("we", "us", "our"). These Terms form a binding agreement between you and Viimos Oy.

1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part, you may not access the Service.

2. Description of Service

Valuepoint Labs provides an AI-assisted platform for generating quantified, customer-specific financial business cases from vendor benefit statements. The Service is intended for B2B sales, procurement, and finance professionals.

3. User Accounts

You must create an account to use the Service. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account. You must provide accurate and complete information when creating your account.

4. Acceptable Use, Fair Use and Automated Controls

4.1 Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any regulations
• Attempt to gain unauthorised access to any part of the Service
• Interfere with or disrupt the integrity or performance of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to generate misleading or fraudulent financial claims
• Open or operate multiple accounts in order to obtain more of the Service than your plan includes, or share one seat between several people
• Access the Service by any automated means — scripts, scrapers or headless browsers — other than through an interface we publish for that purpose

4.2 Fair use

Every plan includes a stated allowance. Two limits shape it: how many new Customer Value Cases a seat may start in a billing period, and how many AI-assisted actions may be spent — a lifetime envelope belonging to each individual case, and a separate monthly pool for AI work outside a case, such as customer research and your libraries. Researching a customer draws on that pool; there is no separate limit on how many customers you may research. The figures that apply to your plan are stated on our pricing page and inside the Service, which show your current usage against them. We may change the figures for future billing periods with reasonable notice under Section 11.

Reaching an allowance never removes anything. Work you have already produced stays yours to read, edit, save, export and share, and every business case you have already published stays readable by the people you shared it with. Separately from any allowance, a shared Value Room that nobody opens for a long time is eventually closed and its reader activity erased — Section 6 says how, and warns you first.

4.3 Automated controls

The Service costs us money to run in proportion to the AI work it performs, so it applies automatic limits that can pause AI-assisted generation. These act without a person reviewing them first:

• Spend ceilings. AI-assisted generation pauses when the AI cost incurred exceeds a ceiling — for your workspace over a billing period, for your workspace over a single day, for all free accounts together over a single day, or for the Service as a whole over a single day.
• Rate limits. Sign-in attempts, account creation from a single email domain, and access to shared links are rate limited.
• Identity holds. Where two workspaces are recorded as the same verified organisation, publishing new versions and adding new readers are paused for the later claim until we resolve which one holds the name. Business cases already published stay up and stay readable.

Separately, and only where a person at Viimos Oy has reviewed the account, we may pause AI-assisted generation for a workspace while we look into how it is being used. Signals we review may include the volume and pattern of usage and several accounts being opened from one email domain; a signal on its own is never enough, and no account is restricted by that review without a person deciding.

What a pause does and does not do. A pause suspends AI-assisted generation — composing, refining, customer research, and story generation. It does not affect anything else. You can still open, edit, save, rename, export and delete your work; still share it, publish it and add readers; and every business case already published stays readable by its audience. Nothing is deleted, and no data is lost.

AI features on the free plan are provided on a best-effort basis and may be paused when free-plan usage across the Service is unusually high.

4.4 Notice, and how a pause ends

When a control applies, the Service says so at the point you meet it, in plain language, and tells you which control it is. Where a pause ends on a clock, the message states the time it lifts. A day-based pause lifts at the next midnight UTC; a billing-period pause lifts when your next period begins. Where a person decided, we will contact you at your account email address.

4.5 Appeal, and suspension for breach

If you believe a control has been applied to you in error, reply to any email from us or email [email protected]. Where AI-assisted generation has been paused for your workspace by a decision of ours, a person will review your message and respond within two business days. For anything else we aim to respond within five business days. You may ask us for the reason a control was applied, and we will give it.

Where you are in material breach of this Section 4, we may suspend or terminate your account. Except where the breach is unlawful, causes an immediate risk to the Service or to another customer, or falls under Section 5, we will give you notice and a reasonable opportunity to put it right first. Suspension is not a substitute for the automatic controls above, which are ordinary operation of the Service and are not a finding that you have done anything wrong.

4.6 The free plan

The free plan has a list price of €9 per seat per month, which we currently waive in full. You are charged nothing for it.

We collect no payment method for the free plan, so nothing can be charged to you automatically — not at the end of a trial, not on a renewal date, and not if we change our pricing. There is no subscription to cancel.

If we ever stop waiving the list price, we will give you at least 30 days' notice at the email address on your account before it applies, and you may stop using the Service or delete your account at any time before then. Your work remains exportable throughout. Free-plan AI availability is best-effort, as described in Section 4.3.

4.7 Availability

The AI features of the Service depend on third-party model providers named in our Privacy Policy. Where such a provider is unavailable, rate limits us, or withdraws a model, the affected features may be delayed or unavailable. We may change, suspend or discontinue any part of the Service, and will give reasonable notice under Section 11 of any change that materially reduces what a paid plan includes.

5. Personal Data in Your Content

The Service is built for quantified financial modelling of a business, not for processing information about individuals. Two kinds of personal data reach it, and they are treated differently.

1. 5.1 What you must not submit. You agree not to submit to the Service any special category of personal data under Article 9 GDPR — data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic or biometric data, health data, or data concerning a person's sex life or sexual orientation — or data concerning criminal convictions and offences, government-issued identifiers, payment card or bank account numbers, account credentials, personal data about children, or employee records and customer lists that identify natural persons. Where such data would otherwise appear in a document you upload or text you paste, remove or redact it first.
2. 5.2 What the Service necessarily processes. Sharing a business case requires names and business email addresses: the people you invite to read, comment on or co-edit a case, and the reviewers you ask for feedback. Submitting those is expected use of the Service and is not a breach of Section 5.1. Valuepoint Labs is the data controller for them and handles them as described in the Privacy Policy.
3. 5.3 Your responsibility. You represent that you have the right to submit everything you submit, including a lawful basis for any personal data it contains and, where required, having informed the individuals concerned.
4. 5.4 Data processing. Where the Service processes personal data contained in content you submit, it does so on your instructions and as your processor, under the Data Processing Addendum, which forms part of these Terms.
5. 5.5 Our remedy. We may, but are not obliged to, review and delete content we believe in good faith contains data prohibited by Section 5.1, and may suspend or terminate an account in material breach of this Section under Section 4.5. You remain responsible for any liability arising from data you submitted in breach.

6. Sharing and Shared Viewers

The Service lets an account holder ("Sharer") share a business case with other people — by a link that opens a read-only view, by inviting people to comment, or by adding co-editors who can edit a case alongside the Sharer. The following terms apply to all such sharing.

1. Shared Viewers. A person who opens a shared case by providing an email address, without registering an account, is a "Shared Viewer". By opening a shared case you accept these Terms and the Privacy Policy and agree to the confidentiality obligation below, whether or not you hold an account.
2. Confidentiality. A shared business case and its contents are the confidential information of the Sharer and the organisation it describes. If a case is shared with you, you agree to use it only to evaluate the matter for which it was shared, to keep it confidential, and not to copy, forward, publish, or otherwise disclose it to anyone the Sharer has not authorised. The Sharer may revoke a share link or your access at any time.
3. The Sharer is responsible. The Sharer decides what to share and with whom, and is responsible for having the right to do so. Valuepoint Labs provides the sharing mechanism but is not a party to, and does not control, what any account holder chooses to share. The rules in Section 5 apply to shared content, and the identities of the people you invite are covered by Section 5.2.
4. Visibility of activity. When you view or comment on a shared case, the email you provide and a record of your access (including timestamps) are recorded and shown to the Sharer, and your comments are visible to the Sharer. This information is handled as described in the Privacy Policy.
5. Single-writer editing. Where co-editing is enabled, the Service lets one person edit a case at a time. Editing rights are granted by the Sharer and may be changed or withdrawn by the Sharer at any time.
6. What our identity marks mean — and what they do not. A shared case may show one of two statements about the Sharer. "Sender's email is on example.com" means only that the account holder who sent it has confirmed control of an email address on that domain; it is not a statement about who owns the domain, about the account holder's authority, or about the accuracy of anything in the case. "Verified organisation · Example Oy" additionally means a member of our staff has compared the stated legal name against the domain's registered owner. Neither mark is an endorsement, a guarantee, an audit, or a warranty of any kind, and neither says anything about the figures in the document. Where no mark is shown, nothing whatsoever is implied about the Sharer. You remain responsible for satisfying yourself who you are dealing with before acting on a business case.
7. Inactive shared rooms. A Value Room that nobody opens for 90 days is closed automatically, and 180 days after that its contents are erased — the questions and comments readers left, the record of who accessed it, and the invitations that granted access. We warn the Sharer inside the Service 30 days before each step, and opening the room keeps it open. The Sharer's own business case is untouched; only the shared room ends.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Valuepoint Labs and are protected by applicable intellectual property laws. The Value Cases you build and the outputs you generate from them remain your property.

8. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without any warranties of any kind. Valuepoint Labs does not warrant that the financial analyses produced are accurate, complete, or suitable for investment decisions. Outputs should be reviewed by qualified financial professionals before use in material business decisions.

9. Limitation of Liability

To the maximum extent permitted by law, Valuepoint Labs shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service.

10. Governing Law

These Terms are governed by the laws of Finland. Any disputes shall be resolved in the courts of Helsinki, Finland.

11. Changes to Terms

We may modify these Terms from time to time, and every version carries the version number and effective date at the top of this page. Where a change is material, you have to accept it: the next time you sign in, the Service shows you that the document changed and asks you to accept it before you continue, and we record which version you accepted and when. For changes that are not material, posting the updated Terms on this page is the notice, and continued use is acceptance.

12. Contact

Questions about these Terms, and requests about your own data, may be directed to [email protected]. To appeal a limit or a pause applied to your account, write to [email protected], as Section 4.5 sets out. Both addresses reach Viimos Oy.