User terms
Hi Point user!
We're happy to have you on board, so together we can help small local businesses in their fight against large chains.
Below you'll find our user terms for private users. We always strive to process your personal data responsibly and in accordance with applicable regulations. Therefore, we have also prepared a privacy policy, which you can find in the App or on our website. Happy reading.
1. About the Service
The Point app (“App”) is provided by Point Technologies ApS (“Point”, “we” or “us”). You can find more information about using the App on our website: www.point.shop. Point is a loyalty platform that helps physical stores and businesses provide their customers with a unified experience. Here, payment and loyalty programs are integrated into one user-friendly solution. Please note that Point is not a payment intermediary or seller. As a consumer, you can use our platform to purchase physical products or services in the stores and from the businesses affiliated with Point, but any purchase occurs directly between you and the respective store. We are not the seller of the goods or services you purchase via the App, and we are therefore not a party to the underlying agreement between you and the store. This means that the store or business has full responsibility for the quality, safety, and legal compliance of the purchased product or service; this includes responsibility for defects and deficiencies, compliance with the Sale of Goods Act and the Consumer Contracts Act, and other matters concerning the delivery. Point disclaims all responsibility for products and services purchased via the App, including their properties, functionality, or use. If you wish to exercise your right to complain, right of withdrawal, or return an item, you must contact the relevant store or business directly, as they are responsible for handling such inquiries in accordance with applicable regulations. By using the App, you acknowledge that all purchases are made directly between you and the store, and that Point is not liable for claims related to the purchased product or service, including complaints, compensation, warranty, defects, or deficiencies.
2. Onboarding and Commencement
2.1. The Agreement and Parties
By registering for the App and accepting Point's private user terms (“Terms”), you enter into an agreement with Point Technologies ApS, CVR no.: 45278735. You can contact us via email at hey@point.shop or by phone (+45) 61107120. The Terms apply to users in Denmark and are provided in Danish. The English version of the Terms is solely a translation provided as a service. In case of any discrepancy or conflict between the versions, the Danish version takes precedence. To create your account, we need to process certain personal data. By registering, you automatically accept our processing of this data in accordance with our Privacy Policy, which you can find in the App and on our website. If you object to this processing, your agreement will be terminated.
2.2. User Registration
Your user profile is created wholly or partly via your smartphone's operating system's creation service; this ensures a smooth customer experience and a high level of security. During creation, you will be asked to validate your phone number and/or the email address you use in the creation process. It is your responsibility to ensure that the information you provide is correct. We reserve the right to close your access to the service if we have reasonable suspicion of fraud, misuse, or similar.
2.3. Requirements for Using Our Services
To use our services, you must have read, understood, and accepted the Terms, including the following requirements: You must have your smartphone's operating system's payment service installed and active; You must have a device with a valid Danish phone number, which you use to validate the device upon creation; You must have a valid email address that you can access via your device, and which is also used for validation in the creation process; You must be at least 13 years old. If you are under 18, you may only transfer money that is at your disposal; We must approve you as a user; The App must be downloaded from an official app store and can be used on mobile devices with iOS and Android. We reserve the right to impose requirements on the device's operating system; You must provide the necessary information and documentation we request to fulfill our regulatory obligations in connection with the service. Please note that the App is not a traditional mobile wallet. You do not directly add a payment card to the App, but use your smartphone's built-in payment service to complete purchases. Therefore, Point is not a direct party to the transaction itself, neither legally nor technically, and can not be held responsible for matters related thereto. This service is exclusively intended for private consumers for private purposes in connection with purchases in physical stores or from businesses. We reserve the right to deactivate your user profile if the App is used for other purposes.
3. Use of Our Services
3.1. Use of the App
The App is personal and may only be used by you. You may not disclose your passwords or other security information to third parties, nor may you write them down or save them on your device in an insecure manner. You can only be active on one device at a time, and you must confirm your identity if you log in from another device.
3.2. Amount Limits
We reserve the right to set amount limits for the use of the service at any time, including both lower and upper limits. Special amount limits may apply to users under 18 years of age. Furthermore, we may set maximum amounts or other indicators that may trigger additional security requirements.
3.3. Change of Phone Number
If you change your phone number, we cannot guarantee that your transaction history, profile information, or other data associated with your account will maintain full integrity. We therefore cannot be held responsible for any loss of information in connection with the change.
4. Your Obligations
4.1. Provide Information to Us
You must ensure that the information you provide to us is at all times complete, correct, and up-to-date, including name, email address, address, phone number, and similar.
4.2 Passwords and Other Verification Methods
Upon creation, you can choose a personal code (“PIN”), which must be different from your other PINs. You may not disclose your PIN to others. You are responsible for ensuring that no one else gains access to your App and/or PIN. You must notify us as soon as possible if you suspect that unauthorized persons have gained access to your PIN. On certain devices, you can use other authentication methods, such as facial recognition. These methods must follow the device’s operating system guidelines, and you are at all times responsible for preventing their misuse.
4.3. Your Mobile Device
If your mobile device is stolen, lost, or you suspect unauthorized acquisition or unauthorized use of the App, you must notify us as soon as possible. We can then temporarily block the use of the App. We cannot be held responsible for subsequent misuse.
4.4. Restrictions on Your Use of the App
You may not use the App for: Illegal activities or purposes; Activities or purposes that we deem morally or ethically objectionable, or that may harm our business, reputation, or brand; Commercial use, including public collections, unless we have given prior written permission; Activities that pose a risk of money laundering or terrorist financing. You may not use the App on compromised (jailbroken/rooted) devices, as this increases the risk of misuse. You may not make payments via the App if you know that there are insufficient funds for coverage – even if we are not a direct party to the transaction itself. Violation of the above is considered a material breach of the Terms and may result in immediate termination of the agreement without prior notice (see section on termination).
4.5. Obligation to Review Your Transactions
You must continuously review your payments and transactions made via the App. If you discover transactions that you have not authorized or cannot recognize, you must notify us as soon as possible.
5. Termination and Cessation of Use
Registration for the App is free and without obligation, and you can terminate your user profile at any time without cost or further obligations by sending us an email. Note: Deleting the App is not considered a termination of the agreement. We may terminate the agreement with reasonable notice. In the event of a material breach of the agreement, we may terminate the agreement with immediate effect. Furthermore, we may terminate the agreement with immediate effect if there is an objective and reasonable ground for it. We reserve the right to terminate your agreement if you have not used the App for six consecutive months. Any termination by us will be objectively justified, and we will inform you of the reason. Please note that we are not responsible for the right of withdrawal or other consumer rights in connection with the purchase of goods and services from the affiliated physical stores, as we act as a loyalty platform and not as a seller. For such purchases, the stores’ own terms and the provisions of the Sale of Goods Act apply, cf. section 1 “About the service”.Processing basis: Your consent. You can always see and withdraw your consents in the app. Note, that technical implementation of withdrawal can take a little time because of system updates.
6. Blocking
You must contact us as soon as possible if your mobile device with the App installed or your SIM card is lost or stolen, or if you discover or suspect unauthorized acquisition or unauthorized use of your App. We may block your access to the App with immediate effect for security reasons or in case of suspected unauthorized use. This may happen if: A card or account linked to your device’s operating system’s payment service is closed or blocked; You do not comply with the Terms, and this entails a security risk or risk of unauthorized use; There has been unauthorized or suspected unauthorized use of the associated phone number, which may lead to a risk of unauthorized access to your App; There has been unauthorized or suspected unauthorized use of your App by a third party. If we block your access to the App, we will notify you of the reason before blocking. If this is not possible, we will inform you immediately thereafter, unless the notification could compromise security. We may also block your access with immediate effect if you do not provide the information we are entitled to demand in accordance with applicable law, cf. the section 'Your Obligations'. Furthermore, we may block your access with immediate effect if, in our opinion, you are subject to national or international economic sanctions that prevent your use of the service.
7. Our Right to Amend the Agreement
We may amend the Terms. If the changes are not to your disadvantage, we may make them without prior written notice. If you do not wish to accept such changes, you can terminate the agreement. If the changes are, on balance, to your disadvantage, we will notify you before the changes take effect. If you do not wish to accept the new Terms, you must notify us before the effective date of the changes. Such notification will be considered an immediate termination of the agreement. If we do not receive notification from you, the new Terms will be considered accepted. The current Terms will be available at all times in the App and on our website.
8. Prices
We do not charge extra fees for your payments to stores and businesses. However, the business you are trading with may charge fees, just as your card issuer or other parties involved in the execution of a transaction may impose fees for the use of your card. The same applies if the bank where you have an associated account charges fees for the use of the account. These fees are expected to occur rarely or to a very small extent and do not accrue to us, as we are not a party to these transactions. If we introduce new features, products, or services in the future, these may be associated with fees or prices from their launch. You will always be informed of any prices or fees before you start using such features, products, or services.
9. Our Customer Due Diligence Measures
For security and regulatory reasons, we must comply with requirements related to, among other things, anti-money laundering legislation. This may involve us conducting investigations into your use of the App. You are obliged to provide us with additional information about your use of the App if the law requires it. If you fail to submit the necessary information, or if for other reasons we cannot obtain sufficient knowledge of you as a customer, we reserve the right to reject your registration as a user or terminate your agreement with immediate effect. We use customer due diligence information to prevent, detect, and investigate money laundering and terrorist financing, and to initiate relevant investigations of such or other criminal activities where required.
10. Communication and Language
By entering into the agreement, you accept that the agreement is concluded electronically and in Danish. You will receive all information and notifications electronically, either via the App or to the phone number or email address you have provided. You can contact us at any time to receive the Terms or other relevant information via email.
11. Processing of Personal Data
To enable you to use the App and our other services, we collect, process, and store certain personal data. Most of the information you provide yourself via the App when you register as a user, or it is generated automatically under the use of the App. You can read more about our handling of your data in our separate Privacy Policy, which you can find in the App and on our website. We may share information about you with the stores where you have made purchases. This may include personal information such as name, address, email, phone number, date of birth, purchase history, etc. Each individual store is an independent data controller for the personal data shared with them. This means that the store itself determines the purpose of and is responsible for any subsequent processing of your personal data. If you update your information in the App, we can automatically provide the stores with the updated information.
12. Supervision
Our service is provided in collaboration with trusted EU-based partners who have the necessary permits to offer services in the transaction area. These partners are subject to supervision by relevant authorities, including the Danish Financial Supervisory Authority, Strandgade 29, 1401 Copenhagen K (www.finanstilsynet.dk). Furthermore, Point is subject to supervision by the data protection authorities, whom you can contact via www.datatilsynet.dk.
13. Our Liability
We provide a loyalty app and are not a direct party to transactions between you and the seller. Therefore, we are not responsible for financial losses or other types of losses arising in connection with the App, or due to circumstances beyond our control that we could not reasonably foresee or avoid. Examples of such circumstances include, but are not limited to, breakdowns or lack of access to IT systems (including data loss) caused by power failures, telecommunications failures, statutory interventions, war, terrorism, sabotage, virus attacks, or hacking; labor disputes such as strikes, lockouts, and boycotts (regardless of whether we ourselves are a party to the conflict); and other circumstances beyond our control. We are not responsible for errors you may make in connection with payments via the App, e.g., if you choose the wrong recipient or enter the wrong amount. We are also not responsible for the content of invoices sent via the App, and we do not function as a cash register or POS system. We assume no responsibility for defects or deficiencies in goods or services you purchase through the App, or for the seller's conduct. Complaints about purchased goods or services must be directed directly to the seller. We also cannot be held responsible for non-performance or delayed performance of our obligations if this is due to circumstances beyond our reasonable control, including, but not limited to, natural disasters, pandemics, war, terrorism, strikes, government orders, power outages, cyberattacks, breakdowns at third-party providers (e.g., payment gateways, hosting, or communication networks), or other unforeseen technical or operational disruptions at our end or our partners'.
14. Choice of Law and Jurisdiction
The agreement is subject to Danish law. Disputes shall be settled by the City Court of Copenhagen.
15. Complaints
You can always contact our customer service via email at hey@point.shop.
16. Intellectual Property Rights
All trademarks, copyrights, and other intellectual property rights related to the App, including services, products, and features, belong exclusively to Point Technologies ApS or our licensors. You may not copy, display, distribute, publish, or otherwise use our intellectual property rights, except to the extent necessary to use the App as specified in the Terms.
Changes to these terms
Point works continuously to improve and develop our services. It means that these terms can be changed, for example in connection with legislative changes, new functions or changes in our practice for data processing. If significant changes are made, we will get notice in the app or via e-mail.
Version 1.0 (23.05.2025)