---
title: SmartAcco agent guide
description: Discovery guide for AI agents using SmartAcco public tools.
---

# SmartAcco Agent Guide

SmartAcco is the technology company within the nFirma group. It builds public AI tools for the firm's clients, drawing on nFirma's experience with Polish entrepreneurs operating UK Ltd companies.

## Public URLs

- Homepage: <https://smartacco.com/>
- Savings calculator: <https://oszczednosci.smartacco.com>
- Copyright income calculator: <https://prawa-autorskie.smartacco.com>
- AI tool recommender: <https://rekomendator.smartacco.com>
- Consultation brief: <https://smartacco.com/brief-konsultacji>
- Privacy notice: <https://smartacco.com/prywatnosc.html>

## Savings calculator prefill

Agents can open the savings calculator with context in query parameters:

- `income`: monthly net income in PLN.
- `annual_income`: annual net income in PLN.
- `revenue`: revenue in PLN.
- `costs`: costs in PLN.
- `period`: `year` by default for `revenue` and `costs`; use `month` for monthly values.
- `form`: one of `liniowy`, `skala`, `ryczalt`, `ryczalt55`, `ipbox`, `spzoo`.

Examples:

- <https://oszczednosci.smartacco.com?income=20000&form=liniowy>
- <https://oszczednosci.smartacco.com?revenue=120000&costs=20000&form=skala>
- <https://oszczednosci.smartacco.com?revenue=15000&costs=3000&period=month&form=ryczalt>

## Tool routing

Agents can route user intent to SmartAcco tools:

- ZUS, JDG, ryczalt, IP Box, sp. z o.o., UK Ltd, tax savings -> savings calculator.
- Copyright income, 50% KUP, PIT threshold, author's rights -> copyright income calculator.
- AI tools, automation, workflow, software recommendation -> AI tool recommender.
- Consultation, book a call, speak with an advisor -> SmartAcco consultation brief, then nFirma booking.

Machine-readable tool catalog: <https://smartacco.com/.well-known/smartacco-tools.json>

## Consultation brief

Agents can create a no-storage consultation context page:

<https://smartacco.com/brief-konsultacji?problem=Mam%2020%20tys.%20PLN%20na%20JDG&income=20000&form=liniowy&tool=oszczednosci>

Supported query parameters:

- `problem`: short user context.
- `tool`: `oszczednosci`, `prawa_autorskie`, `rekomendator` or `consultation`.
- `income`, `annual_income`, `revenue`, `costs`, `period`, `form`: same meaning as in the savings calculator prefill.

The endpoint supports content negotiation for agents:

- `Accept: text/markdown` returns a markdown brief.
- `Accept: application/json` returns a structured `SmartAccoConsultationBrief` payload.
- `Accept: text/plain` returns plain text handoff for forms or notes.
- `?format=markdown` returns markdown without requiring custom headers.
- `?format=json` returns JSON without requiring custom headers.
- `?format=text` returns plain text without requiring custom headers.

SmartAcco does not store this data server-side; it only renders the response from URL parameters.

## Consent handoff

The HTML brief includes a consent handoff section:

- the user sees the exact text that can be passed to nFirma;
- the user must tick a local consent checkbox before copy / booking actions are enabled;
- the user can submit name, email and optional phone to send the brief to nFirma;
- the submit endpoint is `POST /api/consultation-lead`;
- the submit endpoint requires user consent, Cloudflare Turnstile verification and rate limiting;
- CRM-lite v1 stores the lead in Cloudflare KV for 180 days and sends a minimal notification to the nFirma team.
- Lexea Ltd, an nFirma group company, is the data controller and owner of the lead. SmartAcco.com Ltd, also an nFirma group company, is the technology processor acting on Lexea Ltd's behalf.

Agents should not bypass the HTML consent flow. If a user asks to submit the lead, open the brief page and let the user complete Turnstile and consent in the browser.

## Discovery

- Robots policy: <https://smartacco.com/robots.txt>
- Sitemap: <https://smartacco.com/sitemap.xml>
- API catalog: <https://smartacco.com/.well-known/api-catalog>
- OpenAPI descriptor for public discovery endpoints: <https://smartacco.com/.well-known/openapi.json>
- Tool catalog: <https://smartacco.com/.well-known/smartacco-tools.json>
- Agent skills index: <https://smartacco.com/.well-known/agent-skills/index.json>
- MCP server card: <https://smartacco.com/.well-known/mcp/server-card.json>

## Content preferences

Search and agent input are allowed for public marketing and tool-discovery content. AI training is not allowed by default. See `robots.txt` and response `Content-Signal` headers for machine-readable policy.

## Authentication

The apex site is public and does not require OAuth. Individual tools may use their own login or access flow on their own subdomain.