TERMS AND CONDITIONS FOR BEANCOUNTER.CH SOFTWARE VOUCHER PURCHASE AND USE
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Last Updated: 2026-05-04

1. DEFINITIONS AND INTERPRETATION
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1.1 In these Terms and Conditions, the following definitions apply:

-   "Client" means the person or entity purchasing a Voucher from the Seller;
-   "Code" means the unique string of ASCII characters representing the Voucher provided to the Client upon completion of a Transaction;
-   "Developer" means a third-party developer who is an affiliate of the Seller and who has incorporated the Voucher's API in their Software;
-   "Seller" means [Legal Name of Company], a company registered in [Jurisdiction] under company number [Number], with its registered office at [Address];
-   "Site" means the Seller's website located at https://beancounter.ch/;
-   "Software" means the software applications and services listed on the Site and accessible through the use of Units, as developed and provided by Developers;
-   "Stripe" means Stripe, Inc. and its affiliates, the third-party payment processor used by the Seller;
-   "Transaction" means the purchase of a Voucher by the Client from the Seller;
-   "Units" means the usage allowance allocated to a Voucher which is consumed when accessing and using Software;
-   "Voucher" means an access package purchased by the Client, represented by a Code, which entitles the Client to access Software in accordance with these Terms and Conditions. Vouchers are available in the following types:

-   a Prepaid Pay-As-You-Go Voucher, which is a prepaid package of Units consumed upon each use of Software;
-   a Post-Paid Voucher, which operates on a usage-based billing model whereby the Client's Software usage is aggregated and invoiced periodically (e.g. monthly) in arrears; and
-   a Subscription Voucher, which provides the Client with unlimited access to the Software covered by the scheme for a fixed price for a defined subscription period.

1.2 References to clauses are to clauses of these Terms and Conditions unless otherwise stated.

1.3 Headings are for convenience only and shall not affect the interpretation of these Terms and Conditions.

2. APPLICATION OF TERMS
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2.1 These Terms and Conditions govern the purchase and use of Vouchers and the access to Software made available by Developers through their platforms. The Seller provides the Voucher system as a means for Developers to make their Software accessible, and is not responsible for providing, supporting, guaranteeing, maintaining, or warranting the Software.

2.2 By purchasing a Voucher, the Client agrees to be bound by these Terms and Conditions.

2.3 The Seller reserves the right to amend these Terms and Conditions at any time. Amendments shall apply to Vouchers purchased after the date of amendment. Vouchers purchased prior to any amendment shall remain subject to the Terms and Conditions in force at the time of purchase.

3. VOUCHER PURCHASE
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3.1 Prepaid Pay-As-You-Go Vouchers may be purchased through the Site in various package sizes, each providing a specified number of Units.

3.2 Post-Paid Vouchers are available by arrangement with the Seller. The Client's Software usage under a Post-Paid Voucher will be aggregated and invoiced periodically (e.g. monthly) in arrears.

3.3 Subscription Vouchers provide the Client with unlimited access to the Software covered by the scheme for a fixed price for a defined subscription period, as agreed with the Seller at the time of purchase.

3.4 The available Voucher packages and their corresponding Unit allocations or subscription terms are displayed on the Site and may be updated by the Seller from time to time.

3.5 The Client must provide accurate and complete information when purchasing a Voucher.

3.6 All prices displayed on the Site are in Swiss Francs (CHF) or Euros (EUR) where applicable. Clients in eurozone countries may be invoiced in EUR; all other Clients will be invoiced in CHF.

3.7 The Client undertakes to use the Voucher and the Software only for legitimate purposes and in accordance with: (a) these Terms and Conditions; (b) any terms and conditions applicable to the use of the Software; and (c) all applicable laws and regulations.

4. PAYMENT
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4.1 Payment for Prepaid Pay-As-You-Go Vouchers must be made in full at the time of purchase via Stripe. Payment for Post-Paid Vouchers must be made within 30 days of the date of each invoice. Payment for Subscription Vouchers must be made in full at the commencement of each subscription period.

4.2 The Client agrees to comply with Stripe's terms of service and privacy policy in addition to these Terms and Conditions.

4.3 Payment is processed by Stripe, and the Seller does not store or have access to the Client's complete payment card details.

4.4 The Transaction is deemed complete only when: (a) payment has been successfully processed by Stripe; and (b) the Code representing the Voucher has been provided to the Client on the Site.

4.5 The Seller shall not be liable for any delays or failures in payment processing caused by Stripe or the Client's payment provider.

4.6 All payments are made in Swiss Francs (CHF) or Euros (EUR), as applicable. The Seller shall not be responsible for: (a) any fees charged by Stripe for payment processing; (b) any currency exchange rate losses incurred by the Client; (c) any transfer fees or charges imposed by the Client's bank or payment provider; or (d) any other charges or fees associated with the payment process beyond the purchase price of the Voucher.

5. DELIVERY OF VOUCHER CODE
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5.1 Upon successful completion of payment, the Code representing the Voucher shall be displayed to the Client on the Site.

5.2 The Client is solely responsible for recording and securely storing the Code immediately upon receipt.

5.3 The Client acknowledges that loss of the Code is the Client's risk. If the Client loses the Code, the utility value of the Voucher (including all unused Units) shall be forfeited, unless the loss is attributable to a technical failure of the Seller's systems, in which case the Seller shall restore the utility value to the Client.

6. LOST OR STOLEN CODES
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6.1 If the Client loses, misplaces, or fails to record the Code, the Seller shall not be obliged to resend or reissue the Code.

6.2 In the event that a Code is lost, the remaining value of the Voucher (including all unused Units) shall be forfeited and the Seller shall have no liability to refund or compensate the Client, save where such loss is caused by a technical failure of the Seller's systems.

6.3 The Seller shall not be liable for any unauthorised use of a Code by third parties.

6.4 The Client acknowledges and accepts the risk of loss associated with the Code and agrees that the provisions of this clause 6 are fair and reasonable.

7. VOUCHER VALIDITY
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7.1 Each Prepaid Pay-As-You-Go Voucher is valid for a period of one (1) year from the date of purchase (the "Validity Period").

7.2 The expiry date of the Prepaid Pay-As-You-Go Voucher shall be clearly indicated when the Code is provided to the Client.

7.3 If the Client purchases an additional Prepaid Pay-As-You-Go Voucher within one (1) year of the date of purchase of any existing Voucher, the Validity Period of all Vouchers held by the Client (including any previously purchased Vouchers that have not yet expired) shall be extended to one (1) year from the date of purchase of the most recent Voucher.

7.4 If a Prepaid Pay-As-You-Go Voucher has not been presented for validation by entering the Code in the Seller's platform within the Validity Period, the utility value (Unit value) of that Voucher shall be automatically forfeited and the Code shall become invalid and ineligible for any refund.

7.5 The Seller shall not be obliged to provide any refund or compensation for Units that remain unused at the expiry of the Validity Period, save as provided in clause 9.

8. USE OF VOUCHER AND SOFTWARE ACCESS
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8.1 The Client may use a Prepaid Pay-As-You-Go Voucher to access Software listed on the Site by redeeming Units.

8.2 Each time the Client uses any Software, the appropriate number of Units required for that use shall be automatically deducted from the Voucher.

8.3 The number of Units required by each Software may vary and is determined by the Developer of that Software at their sole discretion.

8.4 Only the Developer of a given Software has the ability to modify the number of Units required for the use of that Software.

8.5 The Seller provides technical means for the Client to read the Unit balance on their Voucher. The Client is responsible for monitoring their remaining Unit balance.

8.6 If the Client does not have sufficient Units remaining to use a particular Software, the Client must purchase an additional Voucher.

8.7 The Units available to the Client can be increased by the Client purchasing an additional Voucher. The Units from all active Vouchers held by the Client shall be aggregated and available for use.

8.8 Units cannot be transferred between different Clients.

8.9 Access to Software is subject to: (a) these Terms and Conditions; and (b) any additional terms and conditions specific to individual Software applications as agreed between the Client and the relevant Developer.

8.10 The Seller has no responsibility for the availability, performance, quality, functionality, or fitness for purpose of any Software. All Software is provided exclusively by third-party Developer-affiliates, and the Client uses the Software entirely at their own risk.

9. REFUNDS
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9.1 The Client may request a refund for the unused portion of a Voucher at any time during the Validity Period, provided the Voucher has been presented for validation by entering the Code in the Seller's platform. A Voucher that has not been so presented within the Validity Period shall be forfeited and ineligible for refund.

9.2 Refunds shall be calculated based on the number of unused Units remaining on the Voucher at the time the refund request is received by the Seller.

9.3 The refund amount shall be calculated as follows:

> Refund Amount = (Number of Unused Units / Total Units Purchased) × Purchase Price

9.4 Refund requests must be submitted in writing to support@beancounter.ch and must include: (a) the Code; (b) proof of purchase; (c) the Client's full name and contact details; and (d) the reason for the refund request.

9.5 The Seller shall process refund requests within 30 business days of receipt.

9.6 All refunds shall be made in Swiss Francs (CHF) or Euros (EUR), whichever currency was used by the Client for the original purchase, to the original payment method used for the purchase via Stripe. The Seller shall not be responsible for: (a) any fees charged by Stripe for processing the refund; (b) any currency exchange rate losses incurred by the Client in connection with the refund; (c) any transfer fees or charges imposed by the Client's bank or payment provider; or (d) any other charges or fees associated with the refund process.

9.7 The Seller reserves the right to refuse a refund request if: (a) the Voucher has expired; (b) the Code has been reported as lost and a refund has already been refused under clause 6; (c) the Client has breached these Terms and Conditions; or (d) the Seller reasonably suspects fraudulent activity.

9.8 Once a refund has been processed, the Code shall be deactivated and cannot be used for any further Software access.

9.9 No refunds shall be provided for Units that have already been consumed through Software use. For the avoidance of doubt: (a) once Units have been deducted from a Voucher through the use of any Software, those Units are deemed consumed and cannot be refunded under any circumstances; and (f) the Client acknowledges that the consumption of Units is final and irrevocable upon use of the Software.

10. INTELLECTUAL PROPERTY RIGHTS AND ACCEPTABLE USE
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10.1 All intellectual property rights in the Software, the Site, and the Voucher system remain the exclusive property of the Seller, the relevant Developer, or their respective licensors.

10.2 The purchase of a Voucher grants the Client a limited, non-exclusive, non-transferable licence to access and use the Software in accordance with these Terms and Conditions.

10.3 Without limiting the generality of clause 3.7, the Client shall not use the Software: (a) in any manner that violates any applicable local, national, or international law or regulation; (b) to transmit, or procure the sending of, any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable material; (c) to impersonate or attempt to impersonate the Seller, a Developer, another user, or any other person or entity; (d) in any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful; (e) to engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Software, or which, as determined by the Seller, may harm the Seller, any Developer, or users of the Software or expose them to liability; (f) to facilitate, promote, or engage in any form of illegal activity, including but not limited to fraud, money laundering, terrorism, or the distribution of illegal content; (g) to generate, distribute, or facilitate the distribution of content that violates the intellectual property rights of third parties; (h) to circumvent, disable, or otherwise interfere with security-related features of the Software; (i) to introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; or (j) for any purpose that the Seller, in its sole discretion, deems inappropriate or contrary to the intended use of the Software.

10.4 The Seller reserves the right to determine, in its sole discretion, what constitutes a legitimate purpose and acceptable use of the Software.

10.5 The Client acknowledges that the Seller may monitor use of the Software to ensure compliance with these Terms and Conditions.

11. DATA PROTECTION AND PRIVACY
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11.1 The Seller processes personal data in accordance with this clause 11 and applicable data protection law, including the EU General Data Protection Regulation (GDPR) and applicable Swiss data protection legislation.

11.2 The Seller shall collect and process only such personal data as is strictly necessary for the operation of the Voucher service.

11.3 The Seller shall not share Client personal data with any third parties, save that payment data is processed by Stripe in accordance with Stripe's privacy policy, and save as provided in clause 11.5.

11.4 Clients have the right to obtain a copy of the personal data held about them by the Seller by submitting a written request to support@beancounter.ch.

11.5 Client personal data may be disclosed by the Seller to law enforcement or regulatory authorities only where the Seller is compelled to do so under applicable Swiss law.

11.6 By purchasing a Voucher, the Client acknowledges and consents to the processing of their personal data as described in this clause 11.

12. LIMITATION OF LIABILITY
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12.1 Nothing in these Terms and Conditions shall limit or exclude liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be limited or excluded by applicable law.

12.2 Subject to clause 12.1, the Seller shall not be liable for: (a) loss of the Code by the Client; (b) unauthorised use of the Code by third parties; (c) any indirect, consequential, or special losses; (d) loss of profits, revenue, business, or anticipated savings; (e) loss of data or corruption of data; (f) any failure or delay in the performance of Software; (g) the availability, performance, quality, functionality, or fitness for purpose of any Software; (h) any fees, charges, or losses associated with payment processing or refunds as described in clauses 4.6 and 9.6; (i) any dissatisfaction with the Software or its results; or (j) any technical issues, errors, or defects in the Software.

12.3 Subject to clauses 12.1 and 12.2, the Seller's total aggregate liability arising out of or in connection with these Terms and Conditions shall not exceed the purchase price paid by the Client for the Voucher.

12.4 The Seller does not warrant that: (a) the Software will be uninterrupted or error-free; or (b) the Software will meet the Client's specific requirements.

13. TERMINATION AND SUSPENSION
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13.1 The Seller reserves the right to suspend or terminate the Client's access to Software and/or deactivate any Code if: (a) the Client breaches these Terms and Conditions; (b) the Seller reasonably suspects fraudulent or unlawful activity; (c) the Client uses the Software in a manner that causes harm to the Seller, any Developer, other users, or third parties; (d) the Client uses the Software for any illegitimate or unlawful purpose; or (e) required by law or regulatory authority.

13.2 In the event of termination under clause 13.1(a), (b), (c), or (d), the Client shall not be entitled to any refund of unused Units.

13.3 The Seller may terminate the Voucher system or discontinue any Software at any time. In such circumstances, Clients with valid Vouchers shall be entitled to a refund of unused Units in accordance with clause 9.

14. GENERAL PROVISIONS
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14.1 Entire Agreement: These Terms and Conditions constitute the entire agreement between the Client and the Seller and supersede all prior agreements, representations, and understandings.

14.2 Severability: If any provision of these Terms and Conditions is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14.3 Waiver: No failure or delay by the Seller in exercising any right or remedy shall constitute a waiver of that right or remedy.

14.4 Assignment: The Client may not assign or transfer any rights or obligations under these Terms and Conditions without the Seller's prior written consent. The Seller may assign or transfer its rights and obligations at any time.

14.5 Third Party Rights: No third party shall have any rights under these Terms and Conditions.

14.6 Notices: Any notices under these Terms and Conditions shall be sent to the contact details provided on the Site or during the purchase process.

14.7 Force Majeure: The Seller shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control.

15. GOVERNING LAW AND JURISDICTION
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15.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of [Jurisdiction].

15.2 The parties irrevocably submit to the exclusive jurisdiction of the courts of [Jurisdiction] to settle any dispute or claim arising out of or in connection with these Terms and Conditions.

16. CONTACT INFORMATION
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For questions or concerns regarding these Terms and Conditions, please contact:

[Company Name] Email: support@beancounter.ch Address: [physical address] Telephone: +41782682295

By purchasing a Voucher, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.