No engagement is created by visiting this website or sending an enquiry. Scope, delivery, price, payment, and any project-specific terms must be accepted in writing before work begins.
1. Parties and business-only scope
These terms apply when Sapientia Finance AB, organisation number 559052-6777 (“Sapientia Finance”), supplies data analysis, inventory and working-capital review, data cleanup, reconciliation, or related professional services to a customer acting for business purposes. Consumer engagements are not offered under these terms.
2. Forming an engagement and order of terms
An engagement starts only when the parties accept a written quotation, statement of work, marketplace order, or other written project confirmation. That document defines the agreed services, inputs, deliverables, timetable, dependencies, fees, and payment terms. If documents conflict, a signed data-processing agreement applies to data-protection matters, the project document applies to the project, and these terms apply next.
3. Services, scope, and changes
Sapientia Finance will perform the agreed services with reasonable care and skill. Work outside the written scope requires written agreement and may change the timetable and price. Website descriptions and sample deliverables illustrate possible services; they are not a commitment to include every analysis, output, or feature in an engagement.
4. Quotations, prices, and payment
Website prices are indicative starting points unless expressly incorporated into a written quotation. The quotation or marketplace order states the currency, applicable VAT or other taxes, invoice schedule, due date, and any approved expenses. The customer must pay undisputed amounts according to those written terms and promptly identify any good-faith invoice dispute.
5. Customer responsibilities and authority
The customer must provide timely, accurate, and complete instructions and source information; identify material assumptions and known data-quality issues; maintain its own source copies; and ensure files are free from malicious code to the extent reasonably possible.
The customer confirms that it has the rights, authority, and lawful basis needed to provide the data and instruct the agreed processing, including any personal data or third-party confidential information. The customer must not provide data outside the written scope.
6. Secure transfer and confidentiality
An initial enquiry, whether submitted through the website form or by email, must contain only a brief, non-confidential project description. Do not submit ERP exports, customer records, payroll or banking data, financial datasets, credentials, or other confidential files through either channel. If the project qualifies, Sapientia Finance will provide separate secure-transfer instructions.
Each party must protect the other party’s non-public information with reasonable care, use it only for the engagement, and disclose it only to personnel and providers who need it and are subject to suitable confidentiality duties. This does not cover information that is public without breach, already lawfully known, independently developed, or lawfully received without restriction. A legally required disclosure may be made, with advance notice where lawful and practicable.
7. Data protection and security
Each party will comply with the data-protection obligations applicable to its role. Where Sapientia Finance acts as a processor, any required processing instructions and terms must be agreed in writing before personal data is accepted. Security measures reduce risk but no system or transfer method is guaranteed to be completely secure.
8. Source data, analysis, and results
Outputs depend on the completeness, consistency, and accuracy of the source data and assumptions supplied. Sapientia Finance may identify exceptions but is not responsible for discovering every source error, fraud, omission, or control weakness unless expressly included in scope. Analyses, estimates, classifications, and scenarios are decision-support materials, not guarantees of savings, recoveries, profitability, compliance, or other outcomes.
Services and deliverables are not an audit, assurance opinion, or substitute for accounting, tax, legal, investment, cybersecurity, or other regulated professional advice unless a written engagement expressly says otherwise. The customer remains responsible for business decisions and appropriate human review.
9. Delivery, review, and acceptance
Delivery occurs through the channel stated in the project document. The customer must review deliverables within the review period stated there and provide enough detail to reproduce any claimed material non-conformity. Sapientia Finance will correct a verified non-conformity with the agreed scope. If no review period or acceptance test is agreed, the parties will document acceptance before final delivery; silence alone does not create a new acceptance rule.
10. Ownership and permitted use
The customer and its licensors retain ownership of customer data. Sapientia Finance retains ownership of its pre-existing and independently developed methods, templates, software, know-how, and reusable components. Ownership or licence terms for bespoke deliverables must be stated in the project document. If that document is silent, after full payment the customer receives a non-exclusive, perpetual licence to use the final deliverables internally for its business; no rights are granted to source tools or third-party materials beyond their applicable terms.
11. Liability
Each party is responsible for direct losses caused by its breach, subject to this section. To the maximum extent permitted by applicable law, neither party is liable for indirect or consequential loss, or loss of profit, revenue, business, opportunity, goodwill, or anticipated savings.
Sapientia Finance is not liable for loss to the extent caused by inaccurate, incomplete, outdated, misleading, or unlawfully supplied data or instructions provided by the customer or by a third party under the customer’s responsibility. This exclusion does not apply to the extent the loss was caused or materially contributed to by Sapientia Finance’s own breach.
Except for the enhanced cap and non-limitable matters below, each party’s aggregate liability arising from or connected with an individual engagement is capped at the total fees paid or payable for that affected engagement. For breach of contractual confidentiality obligations or applicable contractual data-protection obligations, each party’s aggregate liability for the affected engagement is capped at two times the fees paid or payable for that engagement. Each engagement is treated separately for these caps unless a project-specific written agreement states otherwise.
Nothing in these terms excludes or limits liability for fraud, fraudulent misrepresentation, or wilful misconduct. Liability for gross negligence is not excluded or limited to the extent applicable law does not permit such exclusion or limitation, and no other liability is excluded or limited where applicable law does not permit it. Nothing in these terms limits statutory rights or claims of data subjects or authorities under applicable data-protection law. Customer payment obligations are not reduced by this section.
A project-specific signed agreement or order may establish different liability provisions and prevails over this section if inconsistent.
12. Cancellation and termination
Any cancellation rights, notice periods, and cancellation charges in the project document apply. Either party may terminate for a material breach that is not remedied within a reasonable written cure period, or immediately where continued performance would be unlawful. On termination, the customer pays for conforming work performed and approved non-cancellable commitments up to the termination date. Confidentiality, payment, ownership, data handling, and liability terms intended by their nature to survive will continue.
13. Force majeure
Neither party is responsible for delay or failure caused by circumstances beyond its reasonable control, provided it promptly informs the other party, takes reasonable steps to reduce the effect, and resumes performance when practicable. Payment obligations for services already delivered are not excused.
14. Governing law
The B2B agreement is governed by Swedish substantive law, excluding its conflict-of-law rules. No court, arbitration seat, exclusive jurisdiction, or other dispute venue is specified by these terms; the parties may agree any required venue in the applicable project terms.
15. General
The written engagement and the documents identified in its order-of-precedence clause form the agreement. A waiver must be in writing and applies only to the specific instance. If a provision is unenforceable, the remaining provisions continue to the extent permitted by law. Neither party may assign an engagement contrary to its written terms. Changes to an active engagement require written agreement.
16. Company and notice details
Sapientia Finance AB
Organisation number: 559052-6777
VAT number: SE559052677701
Business address: c/o S Zuberovic, Trollesundsvägen 58C, 124 30 Bandhagen, Sweden
Business email: contact@sapientiafinance.com