Terms of Service
Last updated: February 2026
1. Service Provider
2. The Service
bnktr.ee ("Service") is a digital business card platform that allows professionals to create a public page displaying their payment details and contact information. The Service is operated by NET Partner OÜ.
Important: bnktr.ee does not process, hold, facilitate, or guarantee any financial transactions. All payments are made directly between clients and page owners through third-party payment services. We are not a payment processor, financial institution, or money transmitter.
3. Account Registration
- You must provide a valid email address to create an account
- You may only create one account per person
- Usernames are granted on a first-come, first-served basis
- We reserve certain usernames (brand names, common words, system terms) to prevent abuse
- You are responsible for the accuracy of information displayed on your page
4. Acceptable Use
You agree to use bnktr.ee only for lawful purposes. The following is strictly prohibited:
- Fraud and scams — creating pages that deceive visitors or solicit funds under false pretenses
- Impersonation — pretending to be another person, organization, or brand
- Money laundering — using the service to disguise the origins of illegally obtained funds
- Illegal content — posting content that violates applicable laws
- Username squatting — registering usernames of known brands, public figures, or trademarks with the intent to profit or deceive
- Spam and abuse — automated account creation, scraping, or any activity that degrades service quality
5. Content and Payment Methods
You are solely responsible for:
- The accuracy of wallet addresses and payment links you publish
- Ensuring your payment methods comply with applicable laws and regulations
- Any claims, disputes, or issues arising from payments made through your page
bnktr.ee does not verify the ownership, accuracy, or legitimacy of payment addresses displayed on user pages.
6. Premium Subscription
bnktr.ee offers a free plan and a paid Premium plan with additional features.
6.1 Billing
- Premium subscriptions are billed on a recurring basis (monthly or annually) through Stripe, our third-party payment processor
- All prices are displayed in the currency shown at the time of purchase and include applicable taxes
- Stripe handles all payment processing, card storage, and billing. bnktr.ee does not store your credit card or payment details
- By subscribing, you agree to Stripe's Terms of Service
6.2 Cancellation
- You may cancel your Premium subscription at any time through the Stripe Customer Portal accessible from your dashboard
- After cancellation, your Premium features remain active until the end of the current billing period
- Your account and page will revert to the Free plan after the subscription period ends
- No data is lost upon downgrade — your page, methods, and analytics remain intact
6.3 Price Changes
We may change subscription pricing with at least 30 days' notice. Existing subscribers will continue on their current price until the next renewal, at which point the new price applies. You may cancel before the new price takes effect.
6.4 Early Adopter Program
The first 500 registered users receive Premium features free for 1 year from the date of registration. After the 1-year period expires, the account reverts to the Free plan unless the user subscribes to Premium. This benefit cannot be revoked during the active period as long as the account remains in good standing.
7. Refund Policy
bnktr.ee Premium is a digital service. In accordance with the European Union Consumer Rights Directive (2011/83/EU) and the Estonian Consumer Protection Act:
- By purchasing a Premium subscription, you expressly consent to immediate access to Premium features and acknowledge that you lose your 14-day right of withdrawal once the digital service has been provided
- Since Premium features are delivered instantly upon payment and the service is fully accessible immediately, refunds are generally not provided
- If you experience a technical issue that prevents you from accessing Premium features, contact us within 14 days and we will resolve the issue or issue a refund
- To manage your subscription or request a cancellation, use the Stripe Customer Portal in your dashboard or email info@bnktr.ee
This policy complies with EU Directive 2011/83/EU Article 16(m) regarding digital content and services. For users in jurisdictions with mandatory consumer protection laws that provide stronger refund rights, those rights prevail.
8. Intellectual Property
You retain all rights to the content you add to your page (bio, display name, etc.). By using the Service, you grant bnktr.ee a limited license to display this content as part of your public page.
9. Limitation of Liability
bnktr.ee is provided "as is" without warranties of any kind. We are not liable for:
- Any losses related to payments made through links on user pages
- Incorrect wallet addresses or payment links provided by users
- Third-party payment service issues, delays, or failures
- Cryptocurrency price fluctuations or transaction failures
- Service downtime or data loss
Our total liability for any claim arising from the Service shall not exceed the amount you paid for Premium in the 12 months preceding the claim, or €50, whichever is greater.
10. Account Termination
- We may suspend or terminate accounts that violate these terms without prior notice
- Inactive accounts (no payment methods added within 30 days of registration) may be automatically deleted
- You can delete your account at any time from the dashboard Settings page
- Account deletion permanently removes all associated data
- If a Premium account is terminated for Terms violation, no refund will be issued for the remaining subscription period
11. Reporting Abuse
Every public bnktr.ee page has a "Report this page" button. Reports are reviewed by our team. You can also report abuse directly at info@bnktr.ee.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the Republic of Estonia. Any disputes arising from these Terms shall be resolved in the courts of Estonia.
For consumers in the European Union: you may also submit complaints through the EU Online Dispute Resolution platform.
Nothing in these Terms affects any mandatory consumer protection rights you may have under the laws of your country of residence.
13. Changes to Terms
We may update these terms at any time. Continued use of the Service after changes constitutes acceptance of the updated terms. Significant changes will be communicated via email.
14. Contact
For questions about these terms: