Solvent Terms of Service

Last updated: 26 June 2026 Operator: RHND Innovations GmbH, Dornbacher Str. 5, top 2-3, 1170 Vienna, Austria

These Terms govern access to and use of Solvent. By creating an account, using the application, starting a trial, subscribing to a paid plan, or inviting users into a workspace, you agree to these Terms.

1. The Service

Solvent is a virtual-CFO software platform for founders, businesses, accountants and corporate service providers. The service helps users plan, execute and document finance operations, including invoicing, cost tracking, bank reconciliation, planning, advisory VAT/tax monitoring, reporting, multi-company workspaces, optional integrations and an optional AI assistant.

Solvent is software. It is not an accounting firm, audit firm, tax adviser, payroll provider, law firm, filing agent, bank, payment institution or statutory representative.

2. Contracting Party

The service is provided by RHND Innovations GmbH, an Austrian company based in Vienna.

If you use Solvent for an organisation, company, practice, client entity or other business, you confirm that you are authorised to bind that organisation and to administer the data you enter.

3. Key Product Terms

4. Accounts, Workspaces and Users

You must provide accurate account information, keep credentials secure and promptly update business details that affect invoices, tax configuration, billing, access control or compliance workflows.

You are responsible for:

• activity under your account and workspace;
• users you invite and the permissions you grant;
• the accuracy, legality and completeness of Customer Data;
• keeping client, supplier, tax, bank and integration permissions current;
• ensuring you have a lawful basis to process personal data entered into

Solvent.

Practice customers are responsible for their relationship with their own client entities and for ensuring they are authorised to manage each client entity in Solvent.

5. Trials, Plans, Billing and Cancellation

Solvent may offer free trials, paid subscriptions, one-time packages and custom plans. The current pricing page or order flow states the plan, billing period, included limits and any overage terms.

• Trials run for the stated trial period unless extended by us.
• Paid subscriptions renew automatically until cancelled.
• Fees are charged through the configured payment processor and are exclusive

of VAT, sales tax or similar taxes unless stated otherwise.

• You are responsible for taxes, reverse-charge handling and billing details

connected to your subscription.

• You may cancel according to the in-app billing flow. Access continues until

the end of the paid period unless the plan or order states otherwise.

• We do not provide pro-rata refunds for partial periods unless required by law.
• If payment fails or a subscription lapses, we may place the workspace into a

read-only, suspended or restricted state after reasonable notice.

Plan limits may include companies, client entities, users, AI usage, modules, integrations, API access, white-label options or support levels. We may enforce limits technically, bill permitted overage, or ask you to move to an appropriate plan.

6. Advisory Outputs Only

All tax, VAT, filing, deadline, accounting, cash-flow, consolidation, classification, reconciliation, AI and finance outputs in Solvent are advisory.

Solvent does not file returns, submit statutory reports, clear invoices with tax authorities, provide regulated professional advice, or guarantee that a calculation is filing-grade. You remain responsible for:

• verifying invoices, classifications, thresholds and filings;
• checking jurisdiction-specific rules with a qualified professional;
• registering, reporting, paying, filing and preserving records on time;
• reviewing imported or AI-generated data before acting on it.

You should not rely on Solvent as the sole basis for a tax, legal, accounting, investment, financing or regulatory decision.

7. AI Assistant

The AI assistant is optional. It may answer questions, summarise records, draft content, propose classifications, prepare suggested actions or help populate sample data.

AI output can be incomplete, outdated or wrong. The assistant is designed to propose and explain; it does not replace professional review. Write actions require user approval. You must not submit data to an AI feature unless you have the right to process and share that data for that purpose.

If you bring your own AI provider key, your use of that provider is also subject to your own agreement with that provider. If you use a Solvent-provided key, we may apply usage limits, monitoring, fair-use controls and abuse prevention.

8. Integrations and Third-Party Services

Solvent may connect to third-party services such as Stripe, Xero, QuickBooks Online, Wise, Payoneer, Anthropic, Supabase, Vercel or other providers. Some integrations are optional and require your authorisation.

Third-party services are governed by their own terms. Solvent is not responsible for third-party downtime, data errors, rejected API calls, provider policy changes, banking delays, tax handling by payment providers or loss caused by incorrect data returned by an integration.

You may disconnect optional integrations where the product allows it. Data already imported into Solvent may remain part of your records unless deleted or retained under applicable law.

9. Customer Data

You retain ownership of Customer Data. You grant us the rights needed to host, process, transmit, back up, secure, analyse and display Customer Data so we can provide the service, support users, prevent abuse and meet legal obligations.

For personal data contained in Customer Data about your customers, suppliers, staff, client entities or other third parties, you are normally the Controller and Solvent is the Processor. Our Data Processing Agreement applies to that processing.

You can export data through the product where export tooling is available. We will not intentionally delete active Customer Data except as directed by you, required by law, required for security, or permitted under these Terms.

10. Acceptable Use

You must not:

• violate law or third-party rights;
• use Solvent for fraud, tax evasion, money laundering or misleading records;
• attempt to access another tenant's data;
• bypass billing, plan limits, authentication, permissions or security controls;
• scrape, overload, probe, reverse engineer or interfere with the service;
• upload malware or harmful code;
• submit data you are not entitled to process;
• resell, sublicense or share access beyond your plan;
• abuse trial, sample-data, AI, support or API features;
• use Solvent to make high-risk automated decisions about individuals.

We may investigate, rate-limit, suspend or terminate access if we believe these rules are being breached.

11. Service Changes and Availability

We may add, remove, modify, rename, improve or retire features. We will try not to materially reduce paid functionality during a paid billing period without notice, but the service will continue to evolve.

We aim to keep Solvent reliable, but we do not guarantee uninterrupted, error-free or always-available service. Maintenance, incidents, provider failures, security events or internet disruptions may affect access.

Beta, demo, sample, pre-launch, experimental, AI and integration features may be less stable and may change more quickly.

12. Confidentiality

Each party may receive non-public business, technical, financial or product information from the other. The receiving party must protect confidential information with reasonable care and use it only for the relationship under these Terms, unless disclosure is required by law.

Customer Data is handled under the Privacy Policy, Data Processing Agreement and security measures described there.

13. Suspension and Termination

You may stop using Solvent at any time and may cancel paid plans through the billing flow where available.

We may suspend or terminate access if:

• you materially breach these Terms;
• payment is overdue;
• your use creates security, legal, operational or abuse risk;
• we are required to do so by law;
• continuing to provide the service would expose us or other users to material

harm.

After termination, we may retain records as required by law, for legitimate business purposes, for backup and security integrity, or to resolve disputes. Other data will be deleted or anonymised according to the Privacy Policy and DPA.

14. Warranties

The service is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, non-infringement and accuracy of advisory outputs.

Nothing in these Terms excludes warranties or rights that cannot be excluded under mandatory law.

15. Liability

To the maximum extent permitted by law:

• Solvent is not liable for indirect, incidental, special, consequential,

punitive or exemplary damages;

• Solvent is not liable for lost profit, lost revenue, lost savings, loss of

goodwill, loss of business opportunity, tax penalties, filing penalties, regulatory penalties or professional-advice costs arising from reliance on advisory outputs;

• Solvent's aggregate liability for all claims relating to the service is

limited to the fees you paid to us for the affected workspace in the 12 months before the event giving rise to the claim.

Nothing limits liability for fraud, intentional misconduct, death or personal injury caused by negligence, or any liability that cannot be limited by law.

16. Indemnity

You will defend and indemnify RHND Innovations GmbH against third-party claims, losses, fines, penalties, costs and expenses arising from your Customer Data, your breach of these Terms, your unlawful use of the service, or your failure to obtain authority from a client entity or data subject whose data you process in Solvent.

17. Changes to These Terms

We may update these Terms as the service, law, pricing or provider relationships change. We will post the updated version with a new date. Material changes will be notified in-app or by email where appropriate. Continued use after the effective date means you accept the updated Terms.

18. Governing Law and Venue

These Terms are governed by Austrian law, excluding conflict-of-law rules. The courts of Vienna, Austria have jurisdiction, subject to any mandatory consumer protection rights that cannot be waived.

19. Contact

RHND Innovations GmbH Dornbacher Str. 5, top 2-3 1170 Vienna, Austria tamas@rhnd.io