Terms of Service

Legal

These terms govern your use of the Terho Solutions website and services. Effective 20 July 2026.

Notice

This document is provided as the standard terms under which Strive Collective Oy (trading as Terho Solutions) offers its services. It is not a substitute for tailored legal advice and Clients are encouraged to review it with their own counsel before relying on it for a specific engagement.

§ 1

Definitions

Provider — Strive Collective Oy, a company registered in Finland under Business ID 3586226-8, trading as "Terho Solutions".
Client — the natural or legal person purchasing Services from the Provider or otherwise using the Website.
Services — AI consulting, business automation, website development and any related subscription or professional services offered by the Provider.
Website Plan — a subscription-based website offering (Basic, Business or Premium) provided by the Provider.
Subscription — a recurring paid engagement under a Website Plan.
Deliverables — any output, document, code, configuration or asset delivered to the Client under a project engagement.
Website — terhosolutions.com and any of its subdomains.

§ 2

Provider

The Services are provided by Strive Collective Oy (trading as Terho Solutions), Business ID 3586226-8, established in Finland. Contact: info@terhosolutions.com.

§ 3

Acceptance of terms

By using the Website, submitting a form, purchasing a Website Plan or entering into a written engagement with the Provider, the Client acknowledges having read, understood and agreed to be bound by these Terms of Service. If the Client does not agree, the Client must not use the Website or the Services.

§ 4

Services offered

The Provider offers (a) AI consulting, (b) business automation design and implementation, and (c) subscription-based website development, hosting and maintenance. The exact scope, deliverables and price of any consulting or automation engagement are agreed in writing (proposal, statement of work or order confirmation) before work begins. Website Plans are described on the Website's pricing page and are subject to this Section and Section 5.

§ 5

Website subscription plans

5.1 Free trial. The Basic Website Plan includes a 14-day free trial. The Business and Premium Website Plans are not offered with a free trial. During the Basic trial the Client may use the plan without charge. Unless the Client cancels before the end of the trial, the Subscription automatically continues at the applicable recurring fee.

5.2 Billing. Website Plan fees are billed in advance on a monthly or annual cycle, as selected by the Client. Fees for Website Plans displayed on the Website are stated inclusive of Finnish VAT at the prevailing statutory rate (currently 25.5%) unless otherwise specified, and VAT is itemised on invoices. The Business plan is subject to a one-time setup fee of €29 (incl. VAT) and the Premium plan is subject to a one-time setup fee of €59 (incl. VAT); setup fees are invoiced at the start of the Subscription and are non-refundable once setup work has commenced.

5.3 Cancellation. The Client may cancel a Subscription at any time by written notice to the Provider. Cancellation takes effect at the end of the current paid billing period; fees already paid are non-refundable except where required by mandatory law.

5.4 Content ownership. The Client retains ownership of all content (text, images, brand assets, data) supplied to the Provider. The Provider retains ownership of the underlying code, design system, templates, tooling and infrastructure used to deliver the Website Plan, and grants the Client a non-exclusive, non-transferable licence to use the resulting website for the Client's own business during the term of the Subscription.

5.5 Hosting, updates and support. The Provider will host the Client's website, apply security and platform updates, and provide the support and content-change scope described in the applicable Website Plan.

5.6 Reasonable use. Website Plans are subject to reasonable-use limits on bandwidth, storage, integrations and content-change requests. The Provider may contact the Client to agree on an upgrade or additional fees if use materially exceeds those limits.

5.7 Suspension. The Provider may suspend a Website Plan if fees remain unpaid more than 14 days after written reminder, or if the Client materially breaches these Terms.

§ 6

AI consulting & automation engagements

6.1 Scope. The scope, deliverables, timeline and price of each consulting or automation engagement are set out in a written proposal or statement of work signed or otherwise confirmed by both parties.

6.2 Client responsibilities. The Client will provide timely access to the systems, data, people and decisions required to deliver the engagement. Delays caused by the Client may affect timelines and fees.

6.3 Deliverables IP. Subject to full payment of the applicable fees, the Provider assigns to the Client all intellectual property rights in the bespoke Deliverables created specifically for the Client. The Provider retains ownership of its pre-existing tools, frameworks, libraries and generic components ("Provider Materials") and grants the Client a perpetual, non-exclusive, royalty-free licence to use Provider Materials to the extent embedded in the Deliverables.

6.4 Confidentiality. Each party will keep the other's non-public information confidential and use it only to perform the engagement, for a period of three (3) years from disclosure.

§ 7

Fees & payment

Fees are payable in EUR unless otherwise agreed. Invoices are due within fourteen (14) days of the invoice date. Overdue amounts accrue interest at the statutory rate under the Finnish Interest Act (Korkolaki 633/1982). The Provider may charge reasonable costs of collection. Fees for Website Plans shown on the Website are stated inclusive of Finnish VAT at the prevailing statutory rate (currently 25.5%). Fees for consulting and automation engagements set out in individual proposals are stated exclusive of VAT unless the proposal says otherwise; VAT and any other applicable taxes are added where required by law and itemised on invoices.

§ 8

Acceptable use of the Website

The Client will not (a) use the Website or the Services for any unlawful, fraudulent or infringing purpose; (b) attempt to gain unauthorised access to the Website, its systems or another user's data; (c) scrape, mirror or reverse-engineer the Website or any Provider Materials except to the extent expressly permitted by mandatory law; or (d) upload malicious code or content that infringes third-party rights.

§ 9

Intellectual property

All content, branding, copy, design, code and other materials made available on the Website are owned by Strive Collective Oy or its licensors and are protected by intellectual property laws. Nothing in these Terms transfers any ownership in Website content to the Client, except as expressly set out in Sections 5 and 6.

§ 10

Third-party services

The Services may rely on third-party providers, including but not limited to AI model providers, cloud hosting, email delivery and analytics platforms. The Client acknowledges that use of the Services is subject to the applicable third-party terms and that the Provider is not responsible for outages, changes or discontinuation of third-party services outside its reasonable control.

§ 11

Data protection & GDPR

The Provider processes personal data in accordance with the EU General Data Protection Regulation (GDPR) and applicable Finnish law. Depending on the engagement, the Provider acts as data controller (for its own marketing and Website analytics) or as data processor (for Client data processed on the Client's instructions). Where the Provider processes personal data on behalf of the Client, a written data processing agreement will apply. Details of processing are described in the Provider's Privacy Policy.

§ 12

Warranties & disclaimers

The Provider will perform the Services with reasonable skill and care and in accordance with generally accepted professional standards. Except as expressly stated in these Terms or in a written engagement, the Services and the Website are provided "as is" and the Provider disclaims all other warranties, express or implied, including any warranty of merchantability, fitness for a particular purpose, non-infringement or that specific business outcomes, revenue or productivity improvements will be achieved.

§ 13

Limitation of liability

To the maximum extent permitted by law, the Provider's aggregate liability arising out of or in connection with the Services or these Terms is limited to the total fees paid by the Client to the Provider during the twelve (12) months preceding the event giving rise to the claim. The Provider is not liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, revenue, data or goodwill. Nothing in these Terms limits liability for gross negligence, wilful misconduct, or any liability that cannot be limited under mandatory law, including the statutory rights of consumers.

§ 14

Indemnification

The Client will indemnify and hold the Provider harmless from and against any third-party claims, damages, liabilities and reasonable costs arising out of (a) content, data or materials supplied by the Client that infringe third-party rights or violate applicable law, or (b) the Client's breach of these Terms.

§ 15

Term & termination

15.1 Subscriptions. Website Plan Subscriptions continue until cancelled in accordance with Section 5.3.

15.2 Projects. Consulting and automation engagements terminate on completion of the agreed scope or as otherwise provided in the applicable statement of work.

15.3 Termination for cause. Either party may terminate an engagement immediately on written notice if the other party materially breaches these Terms and fails to cure the breach within thirty (30) days of written notice.

15.4 Effect. Termination does not affect any accrued rights or obligations, including fees earned before termination. Sections 6.3, 6.4, 7, 9, 12, 13, 14 and 17 survive termination.

§ 16

Changes to the terms

The Provider may update these Terms from time to time. The updated version will be posted on the Website with a new effective date. Material changes affecting existing Subscriptions or engagements will be notified to the Client by email or through the Website at least thirty (30) days in advance. Continued use of the Services after the effective date of the updated Terms constitutes acceptance.

§ 17

Governing law & jurisdiction

These Terms are governed by the laws of Finland, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods. Any dispute arising out of or in connection with these Terms will be resolved by the courts of Finland, with the District Court of Helsinki as the court of first instance. A consumer Client may also bring proceedings in the court of the district in which the consumer is domiciled, and retains the right to invoke mandatory consumer-protection rules of their country of residence.

§ 18

Contact

Questions about these Terms can be sent to info@terhosolutions.com.
Strive Collective Oy · Business ID 3586226-8 · Finland.

Effective date: 20 July 2026.

Strive Collective Oy (trading as Terho Solutions) · Business ID 3586226-8 · Finland.