Terms of Service

1. Who provides this website

www.classicgarageoy.com is operated by Classic Garage Oy, Osakeyhtiö (limited liability company), Business ID 0113488-7, EU VAT FI01134887, registered address Niittyläntie 6, 00620 Helsinki, Finland, Finland. Contact: contact@classicgarageoy.com. The register record can be checked at the Finnish Business Information System.

2. What this website is

It describes the management and business consulting, accounting, bookkeeping, payroll and tax consultancy services Classic Garage Oy offers to companies, and publishes general information about Finnish obligations. It is not an offer capable of acceptance, and using it creates no client relationship.

Nothing on this website is advice on your company. Advice requires your facts and a written engagement. General statements of law are correct to the best of our knowledge on the date shown, for the common case described; legislation and Tax Administration guidance change.

3. Fees and the simulation engine

The simulation engine converts the volumes you enter into an estimated monthly workload using published minute values per task (model version 2026-09-13). Its output is a planning estimate:

• it is a range, because real workload depends on the condition of records and how documents arrive;
• it shows no euro price, because no hourly rate is published on this site; the fee is stated only in a written proposal;
• its VAT illustration uses the general rate only and is not a tax computation;
• it does not calculate tax owed and does not estimate or promise any saving.

How fees are set. Every engagement has a written proposal that states the scope, the hourly basis, the monthly fee excluding VAT, how volume changes are handled, and the notice period. No fee depends on a tax outcome, and no fee is charged that the proposal does not describe. Work outside the agreed scope is quoted before it is done.

4. No guarantee of outcome

Classic Garage Oy does not guarantee any tax outcome, refund, assessment, reduction or saving, and nothing on this site should be read as such a guarantee. Tax follows from the facts of a transaction and the law that applies to it. What we commit to is competent work, returns filed on the statutory dates, and a named provision behind every opinion we give.

5. Division of responsibility and accountability

In an engagement, responsibilities are divided as follows, and the engagement letter repeats them:

• The client company is responsible for the completeness, accuracy and timely delivery of its documents and information; for approving returns before filing; for adopting and signing its financial statements through its board and managing director; and for paying taxes when due.
• Classic Garage Oy is responsible for the professional quality of the bookkeeping, payroll, returns and advice it prepares from that material; for meeting the agreed and statutory deadlines where material arrives on time; for confidentiality; and for telling the client promptly when it sees an error or a risk.
• The client's auditor, where one is appointed, is responsible for the statutory audit and is independent of Classic Garage Oy.

We report to the client in writing: monthly figures with notes on changes, a record of filings made, and a written basis for each tax opinion.

6. Work Classic Garage Oy does not accept

Naming the boundary is part of the advice. Classic Garage Oy does not take on the following, and says so at the first conversation rather than after an engagement letter.

• Statutory audit engagements and any work that requires an HT, KHT or JHT approval.
• Investment, securities, insurance or credit advice of any kind. We are not authorised by the Finnish Financial Supervisory Authority.
• Arrangements whose purpose is to conceal income, assets or beneficial ownership from an authority.
• Clients or transactions we cannot identify to the standard the Finnish Anti-Money Laundering Act (444/2017) requires of an accounting firm.
• Consumer tax returns as a standalone product. Classic Garage Oy works with companies and their owners.

In particular: Classic Garage Oy is not an audit firm approved by the Finnish Patent and Registration Office. Under the Finnish Auditing Act (Tilintarkastuslaki 1141/2015) a statutory audit may only be performed by an approved auditor or audit firm (HT, KHT or JHT). Classic Garage Oy does not perform statutory audits, does not issue audit reports and does not describe itself as an auditor. Classic Garage Oy is not authorised by the Finnish Financial Supervisory Authority and gives no investment, securities, credit or insurance advice.

7. Engagements and identification

Work begins only under a signed engagement letter. Before it starts, the Anti-Money Laundering Act (444/2017) requires us to identify the client and its beneficial owners; we cannot waive that.

8. Availability and links

We aim to keep the site available but do not promise uninterrupted access, and we may change content at any time. Links to public registers and authorities are provided so that you can check us; we are not responsible for external sites.

9. Intellectual property

The text, design, code and graphics of this site belong to Classic Garage Oy. You may read, print and quote them with attribution, but not republish them as your own.

10. Liability

To the extent Finnish law allows, Classic Garage Oy is not liable for loss arising from reliance on the general information or the simulation engine on this website without an engagement. Liability for engaged work is governed by the engagement letter. Nothing here limits liability for intent or gross negligence, or anything else that cannot lawfully be limited.

11. Complaints

Write to contact@classicgarageoy.com setting out what went wrong; we answer in writing. This is a business-to-business service and does not sell to consumers.

12. Governing law and venue

Finnish law governs this website and any engagement, without regard to conflict-of-laws rules. Disputes are heard by the Helsinki District Court (Helsingin käräjäoikeus), unless mandatory law requires another venue.

13. Changes

The date at the top of this page is the version in force. A new version applies from publication and does not alter an engagement letter already signed.