Terms of Use
1. General
1.1. These terms of use apply to the digital business card service provided by Clarius Oy (business ID 3260640-2, Soininkuja 7A, 00740 Helsinki).
1.2. The person using the Service is the Customer. The Customer may be either a private individual or a company. Some Terms apply to only one of these — those points are marked separately.
1.3. Use of the Service requires acceptance of the Terms. Acceptance takes place at registration by ticking a checkbox. The Provider records the time of acceptance and the version of the Terms.
1.4. The Terms consist of three parts: the general part (chapters 1–9 and 12–17), which applies to everyone; the B.Cards part (chapter 10), which applies to users of the paid version; and the consumer-specific terms (chapter 11), which apply only to private individuals.
2. Definitions
Card — the digital business card created by the Customer, available at a web address and via a QR code.
Cards — the free version of the service.
B.Cards — the paid version of the service.
Content — all information entered on the Card by the Customer: texts, logo, images, contact details, service descriptions, links and employee data.
Employee slot — a named slot belonging to the Card, with its own permanent address identifier, through which one person's contact details are available.
Visitor — a person who views the Card.
3. Description of the Service
3.1. The Service is a web-based digital business card containing the Customer's data, service descriptions and an enquiry form.
3.2. The Service is offered in two versions:
Cards — free of charge and valid until further notice. The Provider's mark “Cards” is shown at the top of the Card.
B.Cards — paid. Includes the features of the Cards version and in addition the use of an own logo, a wider colour selection, the addition of external links to services, and employee slots. The mark is not shown.
3.3. The exact contents of the versions are described on the Provider's website and may change in accordance with chapter 15.
3.4. The Card is public. Anyone who knows the Card's web address or scans the QR code can see its content. The Card is not password-protected and is not intended for storing confidential information. The Customer is responsible for not entering information on the Card that they do not want to be public.
3.5. The Service is not intended for minors. To create a Card, the Customer must be at least 18 years old or act on behalf of a company.
4. Account and Card address
4.1. Use of the Service requires creating an account by signing in with a Google account.
4.2. The Customer is responsible for the security of their account and for all actions taken on it.
4.3. There is one Card per account.
4.4. The Customer chooses the Card's web address. The address must be available and meet technical requirements. The Provider has the right to refuse an address that is reserved for the system, misleading, infringes third-party rights, or clearly imitates another company's name.
4.5. The Card's address is not the Customer's property and cannot be sold or transferred onward without the Provider's consent.
5. Customer Content and obligations
5.1. All Content is the Customer's responsibility.
5.2. The Customer warrants that they have the right to use and publish the Content and that the Content does not infringe third-party rights, including copyright and trademark rights. This applies in particular to logos, photographs and company names.
5.3. The Customer undertakes not to use the Service for:
- unlawful, misleading or fraudulent activity;
- publishing content that infringes third-party rights;
- publishing offensive, threatening or hateful content;
- imitating other companies, trademarks or persons;
- distributing malware or phishing;
- disrupting the technical operation of the Service or gaining unauthorised access.
5.4. Ownership of the Content remains with the Customer. The Customer grants the Provider the right to store, display and transmit the Content to the extent required to provide the Service.
5.5. The Provider has the right to remove Content that breaches the Terms, notifying the Customer of this. In the event of a serious or repeated breach, the Provider may close the Card without prior notice.
6. Employee cards
Applies to B.Cards customers whose package includes employee slots.
6.1. B.Cards allows employee slots to be created on the Card. The number of slots is limited by the Customer's package and is changed only by the Provider.
6.2. Each employee slot has a permanent address identifier. When the person in the slot changes, the Customer can fill the slot with the new person's details, and the previous address and QR code remain valid.
6.3. The Customer enters employee data themselves and is responsible for it. Employees themselves have no account and no access to the Service.
6.4. The Customer is responsible for ensuring that:
- they have a legal basis for publishing the employee's personal data;
- the data is correct and up to date;
- the data is removed or replaced when the basis for publication ends, including when employment ends.
6.5. The Customer may not enter into an employee slot the employee's personal email address or telephone number that is independent of the employer without the employee's consent, nor leave them there after the employment has ended.
6.6. Employee slot data is public on the same basis as other Card content (point 3.4).
7. Links to third-party sites
7.1. B.Cards allows external links to be added alongside services.
7.2. Links are added by the Customer and are their responsibility. The Provider does not monitor and is not responsible for the content, security or availability of linked sites.
7.3. The Customer warrants that the links added lead to their own resources or those of partners they have authorised.
7.4. The Provider has the right to remove a link that leads to a harmful, misleading or unlawful site.
8. Enquiries
8.1. Through the Card's enquiry form, a Visitor can send an enquiry to the Customer. The enquiry is directed to the email address specified by the Customer and is stored in the Service.
8.2. In respect of the data given in an enquiry, the Customer is the controller and the Provider is the processor of personal data.
8.3. The Provider does not guarantee that every enquiry reaches the Customer — the delivery of email depends on third parties. The Customer undertakes to keep their contact details up to date. An enquiry may be sent from the Visitor's own email program.
9. Processing of personal data
9.1. The Provider processes personal data in accordance with the General Data Protection Regulation (GDPR) and Finnish law. The Provider applies the same level of protection to all Customers regardless of their country of location.
9.2. The Provider processes the Customer's account data (name, email address) as controller for the performance of the contract.
9.3. In respect of personal data entered on the Card — including the contact person's and employees' data — the controller is the Customer and the Provider is the processor.
9.4. Data is stored in the Google Cloud Platform / Firebase service, whose data storage region is located in Finland. Google acts as a sub-processor.
9.5. More detailed information is in a separate privacy notice, available at privacy notice. The privacy notice is part of these Terms.
10. B.Cards: payments and invoicing
10.1. The price of the B.Cards version depends on the package and is published on the Provider's website. A subscription is valid for one year and is invoiced once a year. The Service may also show the price calculated per month; this is a comparison figure and does not change the invoicing interval.
10.2. Value added tax.
- The prices shown in the Service include value added tax. The price excluding tax and the tax rate are shown alongside the price, so that a business customer also sees the price without tax.
- If the Customer is liable for VAT in another EU Member State and presents a valid VAT identification number, the reverse charge is applied and value added tax is not added to the invoice.
- The Provider has the right to verify the validity of the VAT identification number. If the number is not valid, value added tax is added as normal.
- If the rate of value added tax changes due to legislation, the change is passed on to prices as such. This is not regarded as a price increase within the meaning of point 10.9.
10.3. Activation. B.Cards is activated immediately after acceptance of the Terms and is available at once. No advance payment is charged.
10.4. Invoice. The invoice is delivered separately, as a rule within one working day. The payment term is 14 days from the invoice date.
10.5. Non-payment. If the invoice remains unpaid by the due date, the Provider sends a reminder. If the invoice is not paid even after the reminder, the Card is returned to the Cards version.
10.6. The Card and Content are not deleted. B.Cards features become unavailable and the Content that uses them — logo, wider colour selection, links and employee slots — is hidden but retained. After payment it is restored.
10.7. Continuation on the basis of an invoice. The subscription does not renew automatically.
The Provider sends a new invoice approximately 30 days before the end of the period. The period continues for a year once the invoice has been paid.
If the invoice is not paid by the due date, the Card returns to the Cards version in accordance with point 10.6. No payment obligation arises for the Customer and no debt collection takes place: non-payment is at the same time notice that the Customer does not wish to continue.
The Customer does not need to terminate the subscription separately.
Why this way. Automatic renewal would create a receivable that would have to be collected or written off as a credit loss. Invoice-based continuation keeps the model the same as in the first period — no payment, no invoicing, the card returns to the free version — and nobody is left paying for a subscription whose renewal they did not notice.
10.8. A paid period is not refunded unless the Service is permanently unavailable for reasons attributable to the Provider, or in the case mentioned in chapter 11.
10.9. Price change. The Provider may change prices.
For a continuing Customer, however, an increase may be at most 5 % of the previous period's price or the change in the consumer price index over the preceding 12 months, whichever is greater.
The new price is shown on the invoice referred to in point 10.7, which is sent approximately 30 days before the end of the period. The Customer may leave the invoice unpaid, in which case the subscription ends without separate termination.
This point does not restrict the Provider's right to change the price list for new Customers freely.
11. Consumer-specific terms
Applies only if the Customer is a consumer, i.e. is not acting in the course of their trade or profession.
11.1. A consumer Customer has the right to withdraw from the contract within 14 days of concluding it, without giving a reason.
11.2. Since no advance payment is charged for the B.Cards version, the Customer can exercise the right of withdrawal simply by leaving the invoice unpaid. In that case the Card is returned to the free version and no payment obligation arises for the Customer.
11.3. The Customer may also give notice of withdrawal in writing to info@clarius.fi.
11.4. The Provider does not charge for the time used up to the withdrawal, even though the service began immediately.
11.5. If the Customer has already paid and withdraws within 14 days, the amount paid is refunded within 14 days.
11.6. These Terms do not restrict the consumer's statutory rights. If any point of the Terms is invalid in respect of a consumer, the law applies.
12. Availability of the Service
12.1. The Provider endeavours by reasonable means to keep the Service running without interruption, but does not guarantee uninterrupted use.
12.2. Planned maintenance and technical interruptions may occur in the Service.
12.3. The Provider is not responsible for interruptions caused by third-party services, the Customer's devices or internet connection.
13. Limitation of liability
13.1. The Service is provided on an “as is” basis.
13.2. The Provider is not liable for indirect damage, including lost revenue, loss of business opportunities or damage to reputation.
13.3. The Provider's liability is limited to the amount the Customer has paid for the Service during the last 12 months.
13.4. This chapter does not limit liability for intent or gross negligence, nor, in respect of a consumer, to the extent that the law does not permit liability to be limited.
14. Termination of the contract
14.1. The Customer may stop using the Service at any time by notifying the Provider.
14.2. The Provider has the right to close the account or delete the Card if the Customer materially breaches the Terms, by giving prior notice, except in the case of a serious breach.
14.3. The Provider has the right to delete a free Card that has not been opened or edited for 24 months, by notifying the Customer 30 days in advance.
14.4. When the contract ends, the Card is deleted and the Content is deleted within 30 days. Before that, the Customer may request a copy of the Content.
14.5. After the Card has been deleted, all links and QR codes referring to its address cease to work, including printed stickers.
15. Changes to the Terms
15.1. The Provider has the right to change the Terms.
15.2. Changes are notified to the Customer by email at least 30 days in advance.
15.3. If the Customer does not accept the changes, they have the right to terminate the contract before the changes take effect. Continued use of the Service is deemed acceptance.
15.4. Each version of the Terms has a date, which serves as the version identifier. The Provider retains information on which version the Customer has accepted.
16. Applicable law and disputes
16.1. Finnish law applies to the Terms, excluding its conflict-of-law provisions.
16.2. Disputes are primarily sought to be resolved by negotiation. If no agreement is reached, the dispute is resolved in Finland, in the district court of the Provider's domicile.
16.2a. In respect of a consumer Customer, however, point 16.1 does not override the mandatory consumer protection of the country in which the consumer resides, nor their right to bring an action in the court of their place of residence where the law so permits.
16.3. A consumer Customer has the right to refer a dispute to the Consumer Disputes Board or to use the corresponding body in their country of residence. This point does not remove the consumer's mandatory protection in their country of residence.
16.4. The Finnish-language version of the Terms prevails. Other language versions are translations.
17. Contact details
Clarius Oy, business ID 3260640-2, Soininkuja 7A, 00740 Helsinki. Email: info@clarius.fi