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Imprint

Information required by Estonian Commercial Code § 62

Legal entity

Fintechagency OÜ, a private limited company (osaühing) incorporated in the Republic of Estonia. “Tessera” is the trade name under which Fintechagency OÜ operates the AI cost economy advisory practice published at tesseraai.io.

Registry

Company registration code (Reg.kood): 16638667
Registry: Estonian Business Register (Äriregister), maintained by the Centre of Registers and Information Systems
Public record: ariregister.rik.ee/eng/company/16638667

Registered office

Kesklinna linnaosa, Vesivärava tn 50-301
10152 Tallinn, Harju maakond
Republic of Estonia

Representation

Fintechagency OÜ is represented by its management board. Authorised representative for the Tessera trade name is Yevheny Panin, founder and managing member.

Banking

Banking details (account institution, IBAN, intermediary BIC) are provided on the first invoice. SEPA, USD SWIFT, and EUR wires accepted. Default rail is Stripe Checkout for prepaid balance top-ups; invoice billing (NET-30/45/60) available on request for Enterprise and select Annual Clients.

VAT status

Fintechagency OÜ operates within the EU VAT framework. Current VAT registration status and applicable rate are reflected on each invoice. EU B2B customers with a valid VAT identification number are billed under the reverse-charge mechanism pursuant to Article 196 of Council Directive 2006/112/EC.

Contact

General correspondence: hello@tesseraai.io
Privacy and data-protection: privacy@tesseraai.io
Account, billing, and Enterprise contracts: contact@tesseraai.io

Regulatory and supervisory authorities

Data-protection supervisory authority for Fintechagency OÜ is the Estonian Data Protection Inspectorate (Andmekaitse Inspektsioon), aki.ee/en. Consumer rights, where applicable, are governed by the Estonian Consumer Protection and Technical Regulatory Authority (Tarbijakaitse ja Tehnilise Järelevalve Amet), ttja.ee/en.

Governing law

All commercial relationships with Fintechagency OÜ are governed by the laws of the Republic of Estonia, save where mandatory provisions of the customer's jurisdiction apply. Dispute-resolution provisions are set out in the Terms of Service (§17-18); Enterprise customers may add additional terms via custom MSA.

Online dispute resolution (consumers, EU)

The European Commission provides an online dispute-resolution platform pursuant to Article 14(1) of Regulation (EU) No 524/2013: ec.europa.eu/consumers/odr. Fintechagency OÜ is neither obliged nor willing to participate in dispute-resolution proceedings before a consumer arbitration board.

Last reviewed: 12 May 2026