Terms and conditions

Last updated:23 October 2026Applies to:the Cefio app and services

About these terms

These terms apply to every use of Cefio, provided by Cefio B.V., KVK 42159745, Sydneystraat 6, 1175 RN Lijnden, the Netherlands ("Cefio", "we"). Your order form or agreement may add to them; where they differ, the order form wins. Our data processing agreement and privacy statement are part of these terms.

Cefio is for businesses. By creating an account you confirm that you use Cefio for your business or profession and that you may act on behalf of the business you sign up.

Your account

Keep your login details secret and turn on two-step sign-in where offered. You are responsible for what happens under your account and for the users you invite.
Give correct information and keep it up to date.
Tell us straight away at karthik@cefio.eu if you think someone else has access to your account.

What Cefio does, and what it does not

Cefio keeps your books, prepares VAT returns, payroll and payments, and gives AI-based insight and suggestions.

Cefio prepares; you approve. Cefio never files a return, closes a period or makes a payment without your approval.
Cefio does not give tax, legal or financial advice. Suggestions and answers from the AI are based on your data and may contain errors. Check them before you act on them.
You stay responsible for your administration, your filings and your payments, and for keeping your records for as long as the law requires.

AI in Cefio

Cefio tells you when you are working with AI. AI answers are suggestions based on your own data; they can contain errors, and a person decides. Under our agreement with our AI provider, your data is not used to train AI models.

Bank connections and payments

Bank connections run through Enable Banking, a licensed provider under PSD2, with your consent at your own bank. They are read-only. Payments you prepare in Cefio are only made after you approve them at your bank. Cefio never holds your money. Your bank's terms and Enable Banking's terms also apply to the connection.

Payroll

If you run payroll through Cefio, payroll is processed by Loket, our payroll partner. You remain the employer: you are responsible for the employee data you enter, the choices you make in the payroll and the wage tax returns made in your name.

Your data

Your administration is yours. We use it only to provide Cefio to you, as set out in our data processing agreement (cefio.eu/en/dpa), which is part of these terms.
You can export your complete administration at any time in standard formats (audit file XAF, CSV, and your documents as PDF), at no extra charge.
After the end of your contract we keep your data only for the period the law requires, unless you ask us to delete it sooner where that is allowed.

Switching and leaving Cefio

You can move to another provider or to your own systems at any time. This follows the EU Data Act.

Notice: one month for Start, Business and Holding. For Enterprise and Group, the notice in your order form, and never more than two months.
Transition: after your notice ends, we keep the service running for up to 30 days while you move. If that is technically not possible, we tell you within 14 days and agree a longer period with you, of at most seven months.
Export: during that time you can export all your data and documents in standard, machine-readable formats. We help you with it and charge no switching or export fees.
Retrieval: after the transition you still have at least 30 days to download your data. After that we delete it, except what the law requires us to keep.
Minimum terms: if you leave Enterprise or Group during the minimum term in your order form, the early-termination charge in that order form applies. Switching itself is always possible.

Fair use

Do not use Cefio for anything unlawful, do not try to break into or overload our systems, do not resell access without our agreement, and do not upload malware or data you have no right to use. We may suspend an account that breaks this rule, after a warning where possible.

Plans, fees and notice

Prices and what each plan includes are on our pricing page and your order form. Prices exclude VAT.
Start, Business and Holding run month to month with one month's notice, cancelled in the app. Enterprise and Group have the minimum term and notice period set out in the order form.
An onboarding fee, where it applies, is billed once and is not refundable once migration has started.
We may index prices once a year in line with the CBS consumer price index. You may cancel with effect from the date a price increase takes effect.

Availability and support

We work to keep Cefio available and secure, and we plan maintenance outside business hours where we can. Support is best effort; Enterprise and Group plans include the service levels in their order form. Third-party services such as banks, Enable Banking, Loket and the tax authorities can be unavailable outside our control.

Liability

Our total liability per year is limited to the fees you paid us in the 12 months before the event that caused the damage. We are not liable for indirect damage, such as lost profit, lost savings or fines resulting from filings you approved. These limits do not apply to damage caused by our intent or deliberate recklessness.

Intellectual property

Cefio's software, design and brand belong to Cefio B.V. You receive a right to use Cefio for your business for as long as your agreement runs.

Changes to Cefio and these terms

We improve Cefio continuously and may change features. We may update these terms; we tell you at least 30 days before a change that affects you takes effect, and you may cancel before then if you do not agree.

Law and disputes

Dutch law applies. Disputes go to the competent court in Amsterdam. Questions about these terms: karthik@cefio.eu.