General Terms
and Conditions (GTC)

1. Service Provider

3-Star Solutions Kft.
Registered office: 1151 Budapest, Harsányi Kálmán utca 85., Hungary
Company registration: 01-09-427651
Tax ID: 32504091-2-42
Email: info@mivir.hu
Website: mivir.hu

The Provider is a company registered at the Budapest-Capital Regional Court as Court of Registration.

2. Definitions

For the purposes of these Terms:

• Provider: 3-Star Solutions Kft. (hereinafter: "Provider")
• Customer: The legal entity or sole proprietor entering into a contract with the Provider (hereinafter: "Customer")
• User: A natural person authorized by the Customer to use the Service
• Service: The Mivir financial intelligence platform and its functionalities
• Dedicated Instance: An application instance and isolated database exclusively reserved for the Customer
• Individual Contract: The written agreement between the Customer and the Provider specifying the selected package, fees, and individual terms
• NAV: Hungarian National Tax and Customs Administration (Nemzeti Adó- és Vámhivatal)

3. Scope and Acceptance

3.1. These Terms govern the general conditions of use of the Mivir service provided by the Provider.

3.2. These Terms apply to the Provider, the Customer, and all Users.

3.3. By using the Service or signing the Individual Contract, the Customer accepts the provisions of these Terms.

3.4. In case of conflict between the Individual Contract and these Terms, the provisions of the Individual Contract shall prevail.

4. Service Description

4.1. Mivir is an enterprise-grade, single-tenant financial intelligence platform providing the following services:

• Dedicated application instance and isolated database
• AI-powered document processing (invoice and receipt recognition)
• NAV Online Invoice system integration
• Bank transaction import and automatic invoice matching
• Mivir AI chat assistant (natural language queries on financial data)
• Financial reports and analytics
• Custom development support (depending on package)

4.2. The Service does not constitute accounting, tax advisory, or legal services. The Provider is responsible for operating the platform; the Customer is solely responsible for the accuracy and tax compliance of the data entered.

4.3. Available features may vary depending on the selected package (Starter, Enterprise, Enterprise+). The contents of each package are detailed in the current price list.

5. Contract Formation and Activation

5.1. The contract is formed upon execution of the Individual Contract by both parties.

5.2. Following execution of the Individual Contract, the Provider shall create the Customer's dedicated instance and deliver access credentials within 5 business days.

5.3. The Provider reserves the right to decline a contract without providing reasons.

6. Fees and Payment Terms

6.1. Service fees are determined by the selected package per the current price list or Individual Contract. All listed prices are net prices, exclusive of VAT.

6.2. Billing is monthly, in advance. The first month's fee is prorated from the date of service activation.

6.3. Payment deadline: 15 calendar days from invoice issuance.

6.4. In case of late payment, the Provider may charge default interest in accordance with Section 6:155 of the Hungarian Civil Code (Ptk.).

6.5. If payment is overdue by more than 30 days, the Provider may suspend the Service. Suspension does not affect the retention of the Customer's data.

6.6. The Provider may review fees annually. The Customer will be notified in writing at least 60 days before any fee change takes effect. The Customer may terminate the contract before the change takes effect.

7. Service Level Agreement (SLA)

7.1. The Provider commits to the following service levels:

7.2. Availability is measured per calendar month, excluding scheduled maintenance windows.

7.3. Scheduled maintenance: The Provider will notify the Customer at least 48 hours in advance. Maintenance windows are primarily scheduled for weekdays between 22:00–06:00 CET.

7.4. Response times apply during business hours (Mon–Fri, 9:00–17:00 CET), except for critical issues on the Enterprise+ package, which have 24/7 response coverage.

8. Customer Obligations

The Customer shall:

• pay Service fees by the due date;
• keep access credentials confidential and prevent unauthorized use;
• use the Service exclusively for lawful purposes, in compliance with applicable laws;
• ensure the accuracy and legality of data entered into the system;
• promptly notify the Provider of any security incident or unauthorized use of credentials;
• provide necessary cooperation for the Service to function (e.g., creating NAV technical user accounts).

8.2. The Customer is responsible for all User activity. The Customer must keep User permissions up to date and promptly revoke access for departing employees.

9. Intellectual Property

9.1. The Service, its source code, design, documentation, and all related intellectual property rights are the exclusive property of the Provider.

9.2. The Customer receives a non-exclusive, non-transferable right to use the Service for the duration of the contract.

9.3. Data entered by the Customer into the system remains the Customer's property. The Provider may access such data only to the extent necessary for providing the Service.

9.4. Higher-tier packages provide priority access to custom development requests. The scope, timeline, and any associated costs of custom developments are determined by individual agreement between the parties.

9.5. Intellectual property rights for custom developments are specified in the Individual Contract. In the absence of a separate agreement, custom developments are the property of the Provider.

10. Data Processing and Security

10.1. The Provider stores Customer data within the single-tenant architecture in a completely isolated, dedicated application instance and separate database.

10.2. The Provider stores data in GDPR-compliant data centers within the European Union.

10.3. Details of personal data processing are set out in the Privacy Policy.

10.4. The Provider performs regular backups with a minimum retention period of 30 days.

10.5. If the Customer uses the Service as a data processor (for processing its own clients' data), the parties shall enter into a separate Data Processing Agreement (DPA).

11. NAV Online Invoice Integration

11.1. The Service enables connection to the Customer's NAV Online Invoice system via the API published by NAV.

11.2. The Customer is solely responsible for the content accuracy and regulatory compliance of data submitted to NAV. The Provider's responsibility is limited to the technical transmission of data.

11.3. The Provider shall not be liable for service disruptions arising from NAV system outages, modifications, or API changes, but will endeavor to adapt promptly.

11.4. Creating the NAV technical user and configuring its permissions is the Customer's responsibility. The Provider will provide guidance.

12. AI-Powered Services

12.1. The Service includes AI-powered features, including document processing, automatic data recognition, and the chat assistant.

12.2. AI-generated results are provided for informational purposes. The Customer is responsible for reviewing and approving data recognized or suggested by the AI, in particular:

• automatic recognition of invoice data (amounts, partners, dates);
• automatic matching of bank transactions to invoices;
• financial summaries and answers provided by the chat assistant.

12.3. The Provider shall not be liable for damages arising from incorrect AI recognition or suggestions, provided the Customer had the opportunity to manually verify the data.

12.4. AI features use third-party language models. Customer data is transmitted only to the extent necessary for providing the Service and is not used for model training.

13. Limitation of Liability

13.1. The Provider shall exercise due care in providing the Service.

13.2. The Provider shall not be liable for:

• the content and accuracy of data entered by the Customer;
• damages arising from unauthorized use of the Customer's access credentials;
• damages caused by outages or errors in third-party services (NAV, banks, AI language models);
• lost profits, indirect, or consequential damages;
• damages resulting from force majeure events.

13.3. The Provider's maximum liability is specified in the Individual Contract.

14. Term and Termination

14.1. The contract is for an indefinite period, unless the Individual Contract provides otherwise.

14.2. Ordinary termination: Either party may terminate the contract with 90 days written notice, without providing reasons.

14.3. Termination with immediate effect: Either party may terminate the contract with immediate effect if the other party:

• materially breaches its contractual obligations and fails to remedy the breach within 15 days of written notice;
• becomes insolvent or is subject to liquidation or bankruptcy proceedings;
• uses the Service for activities that violate applicable laws.

14.4. Data handling after termination:

• The Provider shall make the Customer's data available for export (in CSV and JSON format) for 60 days following contract termination.
• After the 60-day grace period, the Provider shall permanently delete the Customer's data, except for data subject to statutory retention requirements.
• Accounting documents (invoices) are retained for 8 years pursuant to the Hungarian Accounting Act (Section 169).

15. Amendments to These Terms

15.1. The Provider may unilaterally amend these Terms.

15.2. The Provider shall notify the Customer in writing (by email) at least 30 days before any amendment takes effect.

15.3. If the Customer does not accept the amended Terms, the Customer may terminate the contract in writing before the amendment takes effect. Failure to terminate shall constitute acceptance of the amendments.

16. Force Majeure

16.1. Neither party shall be liable for failure to perform its contractual obligations due to force majeure events, including but not limited to: natural disasters, war, strikes, epidemics, governmental actions, internet service provider outages, cyberattacks.

16.2. The affected party shall promptly notify the other party of the force majeure event.

16.3. If a force majeure situation persists for more than 90 days, either party may terminate the contract with immediate effect.

17. Complaints and Dispute Resolution

17.1. The Customer may submit complaints to info@mivir.hu. The Provider shall respond substantively within 15 business days.

17.2. In case of disputes, the parties shall primarily seek resolution through negotiation.

17.3. If negotiation does not lead to resolution within 30 days, the parties submit to the exclusive jurisdiction of the court competent for the Provider's registered office.

18. Final Provisions

18.1. Matters not regulated in these Terms shall be governed by Hungarian law, in particular Act V of 2013 on the Civil Code (Ptk.).

18.2. These Terms have been prepared in Hungarian and English. In case of discrepancy between the two versions, the Hungarian version shall prevail.

18.3. If any provision of these Terms is found to be invalid, it shall not affect the validity of the remaining provisions.

18.4. The primary language of communication between the parties is Hungarian. Written notices sent by email are considered valid.