---
draft: false
title: "Commerce and Programme Terms"
publishDate: "2026-08-08 10:00"
---
# Commerce and Programme Terms
**Published and last updated: 8 August 2026, 10:00 CEST**
## COMMERCE-1 — Scope and relationship to the Core Terms
These Commerce and Programme Terms apply only when this exact document is pinned by the shared Root with stable ID `commerce` inside the accepted Agreement Root for a Service. They supplement the [Core Terms](/terms-of-service) and govern orders, payments, CoflCoins, credits, rewards, data-contribution programmes, trials and plan changes. Capitalised terms not defined here have the meanings given in the Core Terms.
These terms override the Core Terms only for the subject matter expressly addressed here. The order and checkout information determine the Service, seller, price, term and applicable agreement package. Mandatory consumer rights remain unaffected.
The following records are legally distinct:
| Record | Character | Cash settlement |
| --- | --- | --- |
| Purchased CoflCoins or value converted from an earned euro reward | Customer-funded prepaid Service value | Only where these terms or mandatory law require a refund |
| Promotional CoflCoins or Service credit | Customer-unfunded promotional benefit | No |
| Euro-denominated reward | Remuneration claim recorded in a separate ledger | Only through the settlement routes in COMMERCE-5 |
Each entry is classified once when recorded and is never treated as more than one of these categories.
## COMMERCE-2 — Prices, seller and payment
Before a binding order, checkout identifies the legal seller, selected Service, total price and applicable taxes, payment method, start or supply time, duration or renewal model, material limits and the governing agreement package. Consumer prices include statutory VAT. The same information is supplied in the order confirmation on a durable medium.
A payment provider acting only as processor does not become the seller. If checkout identifies a merchant of record or another entity as seller, that entity's disclosed sales, withdrawal and refund terms govern that purchase; a separate Coflnet usage contract exists only where checkout says so.
The person who submits and pays for an order is the **Purchaser**. The account holder for whom Coflnet supplies the selected Service is the **Recipient**. They are the same person for an order to the Purchaser's own account. If checkout permits an order for another account, the Purchaser concludes and pays for the purchase contract, while the Recipient receives the disclosed Service access after any required acceptance. The Purchaser exercises payment, withdrawal and refund rights for that order unless mandatory law or checkout expressly provides otherwise.
## COMMERCE-3 — Purchased CoflCoins
Purchased CoflCoins are prepaid Service value issued and accepted only by Coflnet for eligible Coflnet Services. They are not a bank account, payment account or user-to-user currency. They cannot be transferred to another user's balance or redeemed for cash, except where these terms or mandatory law require a refund. Buying a Service for an eligible Recipient under COMMERCE-7 is an order from Coflnet, not a CoflCoin transfer to that Recipient or to an Expert.
Purchased CoflCoins, including CoflCoins obtained by converting an earned euro reward, do not expire or decrease because of inactivity. The account record distinguishes purchased from promotional value.
Coflnet does not offer top-ups where it cannot lawfully issue prepaid value to a person in that person's country of residence or location; at publication, this applies to persons located in Japan. Checkout shows actual availability. If an ineligible top-up is nevertheless accepted, Coflnet may refuse further top-ups and refund its unused purchased value to the original payment method. Any mandatory local right to payment of a small remaining purchased balance remains unaffected.
A top-up and a later Service order are separate contracts. A top-up does not waive a withdrawal right. On a valid withdrawal from a top-up, Coflnet first settles any separately reversible Service order and restores the purchased CoflCoins attributable to it, then refunds the traceable unused part of the withdrawn top-up through the original payment method and deducts the same CoflCoins. Value finally consumed for a separate Service order that is not reversed remains settled under that order.
If the top-up payment fails or is reversed, Coflnet may re-debit the CoflCoins credited for that payment, inform the Purchaser and require the resulting negative balance to be settled before further paid use. Coflnet may proportionately suspend only an affected ongoing entitlement or withhold an affected unsupplied gift while the payment remains unresolved. Except where a concrete fraud or security risk requires immediate temporary action, the Purchaser receives a reasonable opportunity to cure. Independently funded value of a Recipient is not debited. These measures restore the position resulting from the failed payment and are not a contractual penalty.
## COMMERCE-4 — Promotional credit
Promotional CoflCoins or Service credit are customer-unfunded benefits granted for a promotion, referred-customer onboarding, a qualifying contribution or goodwill. The offer states eligibility, amount, permitted Services and any more favourable validity period. Promotional credit is not transferable or redeemable for cash and creates no entitlement to future grants.
Unless the offer states a longer period, promotional credit remains fully usable for three years from grant. Afterwards, at the end of each calendar month, whole units with an original redemption value of at most EUR 1 in total expire; any remainder below EUR 1 expires last. The euro value recorded at grant controls, and use is applied to the promotional credit with the nearest expiry first. This schedule applies only if the account shows the source, grant date, original euro value and next expiry and Coflnet gives at least one month's notice before the first reduction. Credit promised for a qualifying data contribution is subject to the same minimum three-year period. This clause never applies to purchased CoflCoins, euro rewards or statutory claims.
A promotional grant gives Coflnet neither rights in a submission nor data-protection consent. Any licence, notice, confidentiality term or consent required for the intended use is obtained separately.
## COMMERCE-5 — Referral, creator-code and other rewards
A referral programme rewards only the acquisition of a new user. Its versioned offer states eligible participants and referrals, each qualifying event, the amount or calculation, the reward type and when entitlement arises. A purchase-based referral reward is based only on the referred user's first eligible purchase and arises no earlier than final payment and expiry or valid ending of the applicable withdrawal right. Referring your own, invented, linked or controlled account creates no entitlement.
A creator-code programme may reward eligible purchases made using an admitted creator's code by new or existing customers. Its offer states the same material conditions. If a purchase is attributable both to a referral and to a creator code, the code entered at checkout controls and the purchase is rewarded only once. Creator-side advertising, licensing, tax and marketplace duties remain governed by the applicable creator agreement, not by these customer-facing terms.
A programme may also promise a euro reward for another defined event, and Coflnet may approve a voluntary reward after human review for a useful report under the [Responsible Disclosure Policy](/security). Unless an offer expressly promises a reward on objective conditions, participating or submitting a report creates no reward entitlement.
Once approved, a euro reward is recorded as a remuneration claim in a separate euro-denominated ledger. It is not CoflCoins, Service credit, customer money, a transferable balance or a means of payment. It does not expire. Unless the programme states a lower threshold, cash payout can be requested at EUR 50 and conversion into CoflCoins, where offered, at EUR 20. A threshold delays settlement only and never causes forfeiture; if the account relationship or programme ends so no further rewards can accrue, the recipient may request settlement of the remaining available amount below the threshold.
Before payout or conversion, the recipient must complete the required payee onboarding, including accurate identity, address, country and tax-residence, private or business status, tax and VAT information where applicable, and settlement information. A business recipient must provide the required invoice or authorise Coflnet to use self-billing through a separately recorded agreement made before settlement; acceptance of these terms alone is not that agreement. Coflnet may pause settlement while required information is missing, expired or reasonably disputed and may limit settlement routes to countries where lawful accounting, tax and payment processes are available.
Coflnet records applicable VAT, reverse-charge treatment and required withholding and supplies an appropriate settlement statement. The recipient remains responsible for registrations, returns and taxes imposed on them. A referral, promotional, reporting or data-contribution reward is remuneration for the identified activity rather than for intellectual-property rights unless the programme expressly states otherwise before participation.
For a cash payout, the recipient chooses among the methods shown for their country. The recipient bears only the actual external provider fee disclosed before confirmation; Coflnet adds no surcharge and, where a fee-free method is reasonably available, offers it without deduction. For a conversion requested by the recipient, Coflnet credits CoflCoins with at least the settled euro redemption value, free of fees. The credited value is customer-funded value under COMMERCE-3 and cannot be converted back into a euro claim except where a refund is required. At publication, the **eligible territories are EU Member States and the United Kingdom**. Conversion availability is shown before the request and is never preselected. If neither payout nor conversion is lawfully available for the recipient's country, the approved balance remains recorded and any claim deadline is suspended until a route becomes available.
For a recipient under 18, settlement requires the approval of every legal representative required by law, or the approved reward remains recorded until the recipient turns 18 and completes onboarding. Coflnet may correct a duplicate or erroneous entry and void an unpaid reward obtained through material deception, fabricated evidence, unauthorised access or a programme-rule breach. The history identifies the correction and reason; the recipient may contest it through [support@coflnet.com](mailto:support@coflnet.com) and receive human review. A paid reward is recoverable only where a contractual or statutory claim exists.
## COMMERCE-6 — Data-contribution programmes
The Core Terms and these Commerce Terms do not enrol a user or existing data in a data-contribution programme. Before the first contribution, a versioned programme notice and acceptance flow must identify:
- eligible participants, minimum age and countries;
- the exact data and collection method, prohibited data, and validation or rejection criteria;
- the disclosed purpose, intended use, required content licence, legal basis and privacy information;
- retention, deletion and any route to withdraw consent; and
- any promised benefit, its objective conditions, amount or calculation, delivery time and classification, plus consumer withdrawal information where applicable.
If objective conditions and a benefit are promised, Coflnet does not convert that promise into a discretionary benefit after accepting the qualifying contribution. CoflCoins, Service credit or Service access granted for a contribution are promotional credit under COMMERCE-4. If the notice describes only possible discretionary recognition, the contribution creates no reward entitlement.
Where participation by a minor requires a legal representative's consent, contribution begins only after that consent. If participation is a consumer contract for a digital Service supplied in return for personal data, the programme provides the required withdrawal information, model form and withdrawal function before participation. Mandatory rights under § 327(3) BGB remain unaffected.
A contribution record separately captures the accepted programme version, privacy notice, licence and any consent actually required. A reward is not itself a licence or consent. Later acceptance never enrols an earlier contribution retroactively. Withdrawing consent or exercising a statutory withdrawal right ends future consent-based collection and use; treatment of an already granted benefit follows the disclosed programme terms and mandatory law. Refusing an optional contribution does not reduce a separately purchased Service.
## COMMERCE-7 — Service gifts
Where checkout expressly marks a Service as gift-eligible, the Purchaser may order Coflnet to supply it to an eligible Recipient. Only the Purchaser's balance is debited; no CoflCoins are transferred or made available to the Recipient, an Expert or another person. The confirmation identifies the parties, Service, price and recorded VAT-inclusive euro value, start or supply time, duration, material restrictions, any Recipient acceptance and the refund destination.
The Recipient must separately accept where the gift would otherwise impose unaccepted Service-specific duties or licence restrictions. The Recipient may reject. If the account is invalid or ineligible, or acceptance is rejected or not received within the period disclosed at checkout, Coflnet cancels the unperformed order and restores its price to the Purchaser's balance.
Only a consumer Purchaser may give any request, consent or acknowledgement needed to begin performance during that Purchaser's withdrawal period. A Recipient's acceptance does not replace it. On withdrawal, cancellation or refund, restored CoflCoins return only to the Purchaser and the corresponding unprovided entitlement ends. A gift may not be used to route value between users, cash out CoflCoins, generate remuneration through self-dealing or disguise consideration.
## COMMERCE-8 — Free trials
Checkout states a free trial's duration and whether it ends automatically or continues as a paid subscription. No fee is due during the trial. If it continues as paid, cancellation through the last trial day prevents the paid continuation. A trial is available once per person and Service unless Coflnet expressly offers another. Statutory withdrawal rights remain unaffected.
## COMMERCE-9 — Plan, promotion and subscription-price changes
Before a supported plan change is confirmed, Coflnet shows its effective date and price. For an upgrade, unused paid time is credited or the upgrade begins at the next renewal, as checkout states. A downgrade takes effect at the next renewal unless checkout states an earlier lawful date; the already-paid period remains on the existing plan. A plan change is not a cancellation.
A promotion states its period, eligible users and Services, discount and combination rules. Unless stated otherwise, a code is usable once per person, is non-transferable and has no cash value. The amount actually paid is purchased value; an extra free amount is separately recorded as promotional credit under COMMERCE-4. Misuse may cause a code to be blocked but does not undo an otherwise validly concluded contract without a legal basis.
An already-paid subscription period is never repriced retroactively. For a consumer, an increase for an ongoing subscription requires express agreement after at least six weeks' notice on a durable medium stating the old and new price, earliest effective date and options. Without agreement, the existing price continues unless Coflnet ordinarily terminates at the earliest contractual date and offers a new subscription. For a business user, the disclosed advance notice suffices and the new price applies from the stated date unless the business user terminates beforehand. Price reductions and individually more favourable terms may take effect without this process.
## COMMERCE-10 — Changes and mandatory rights
Changes to these terms follow the express-agreement and versioning rules in the Core Terms. Publication, silence, continued use or dismissal of a notice does not amend an existing contract. Statutory rights concerning payment, digital products, withdrawal, conformity, remedies, refunds and limitation periods remain unaffected.