Terms of Use

Last updated: 8 November 2026

1. About these terms

Sykki Finance (the "Service") is a budgeting, cash-flow forecasting and scenario planning service provided by Sykki ry (Business ID 0291305-7, Finland) for the association's internal use. These terms apply to all use of the Service, including its web application, REST API and Model Context Protocol (MCP) interface. By signing in or otherwise using the Service, you accept these terms.

2. Who may use the Service

Only persons to whom Sykki ry has granted a user account may use the Service, and only for the association's financial planning and within the duties of their role. Your access is limited to the plan versions and teams you have been granted. Sykki ry may change or end your access at any time, for example when your role in the association changes.

3. Your account and credentials

• Your account is personal. Do not share your password, passkeys, personal access tokens or signed-in sessions with anyone.
• You are responsible for activity carried out with your account and your tokens, including actions taken by AI assistants or other tools you connect.
• If you suspect that your account or a token has been compromised, change your password or revoke the token immediately and inform Sykki ry.
• Revoke tokens and AI assistant connections you no longer need.

4. Prohibited use

You must not:

• access or attempt to access the Service, other users' accounts, or data, plan versions, teams or administrative functions without authorization or beyond the permissions you have been granted;
• circumvent, disable or interfere with authentication, access controls or other security measures;
• probe, scan or test the Service for vulnerabilities without Sykki ry's prior written permission;
• use another person's credentials or tokens, or impersonate another person;
• disrupt or overload the Service, for example by sending excessive automated requests or carrying out denial-of-service attacks;
• upload files or content that contain malicious code or are designed to harm or exploit the Service or its users;
• copy, disclose or use data from the Service for purposes other than the association's business, or outside your role;
• use the Service for any unlawful purpose.

Unauthorized access to an information system may be a criminal offence under the Finnish Criminal Code (chapter 38, data and communications offences). Sykki ry may report suspected offences to the authorities.

5. Reporting security issues

If you find a security vulnerability, report it to privacy@sykki.fi and do not exploit it or disclose it to others. We appreciate good-faith reports.

6. Confidentiality

The budgets, forecasts and other financial information in the Service are the association's internal information. Treat them as confidential and share them only as your role requires.

7. AI assistants and integrations

Where your permissions allow, you may connect AI assistants and other tools to the Service using its MCP interface or a personal access token. You decide which tools to connect and are responsible for the data they retrieve and the changes they make on your behalf. The terms and privacy policies of those third-party services apply to their processing. Check changes made by an AI assistant before relying on them.

8. Accuracy of information

The Service is a planning tool. Budgets, forecasts, scenarios and calculations are estimates based on the data entered, and they may contain errors. Verify important figures before making decisions. The association's official bookkeeping and financial statements always take precedence over figures in the Service.

9. Availability and changes

The Service is provided "as is" and "as available". Sykki ry may carry out maintenance and may change, suspend or discontinue the Service or parts of it.

10. Suspension and termination

Sykki ry may suspend or terminate your access immediately if you breach these terms, if your use endangers the security of the Service or its data, or when your role no longer requires access.

11. Limitation of liability

To the extent permitted by law, Sykki ry is not liable for indirect or consequential damage, loss of data, or decisions made on the basis of information in the Service. Nothing in these terms limits liability that cannot be limited under mandatory law.

12. Privacy

The processing of personal data in the Service is described in the Privacy Policy.

13. Changes to these terms

Sykki ry may update these terms. The date at the top shows when they last changed. Significant changes will be announced in the Service or by email. By continuing to use the Service after a change, you accept the updated terms.

14. Governing law and disputes

These terms are governed by the laws of Finland. Disputes are resolved by the district court of Sykki ry's domicile, unless mandatory law provides otherwise.

15. Contact

Sykki ry · privacy@sykki.fi