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Contact

Contact

A question? Would you like to receive a proposal? Become a partner? You can always call us. We are available on workdays from 09:00 to 17:00 on

+31 (0)85 2220400.

Bluem Payment Services

Smallepad 30E
3811MG Amersfoort
Netherlands

+31 (0)85-2220400

Working days from 9 am to 5 pm
+31 (0)85-2220401
In emergency cases outside office hours

info@bluem.nl

Chamber of Commerce: 32081330 Amersfoort, NL

Over Bluem

We are Bluem

Bluem is an independent Dutch payment, identity, verification and anti-fraud specialist based in Amersfoort and Sofia, which has developed its viamijnbank cloud platform for handling online payments, emandates, identification & verification services, digital signatures, bank verifications, AML screening, and register checks. Through our software, companies send high volumes of payment requests, bills are paid faster, direct debit mandates are issued digitally, IBAN-name combinations are verified, valid ID data is captured, register checks done, and contracts are signed digitally.

Years of experience in the payment world

Pioneer in e-invoicing and e-payments. Even before there was an iPhone, Bluem was already a founder of the FiNBOX together with ABN AMRO, ING, Rabobank and PostNL. The dedication to payment transactions, the passion for technology and the desire for ease of use and everything that goes with it, is in our blood. Now with more than a decade of experience in creating ease of payment, we guarantee high quality services, while at the same time we work on tomorrow’s solutions.

Ease of use combined with brand experience

Payment specialists are available in all shapes and sizes. What they have in common is that they provide businesses with all payment solutions. Yet Bluem keeps its own philosophy that is unique in the payment world. We distinguish ourselves with ease of use and an ultimate brand experience. From payment request to the transaction page, customers only see your brand. We always remain in the background. Recognition leads to trust and conversion. The extremely user-friendly UI also contributes to this. With the unique 1-touch transaction page, customers are literally led to the bank via 1-click.

Faster payments, better mandates and assurance online

These are the pillars in which Bluem excels. Viamijnbank is the platform that offers omnichannel payments, digital direct debit mandates, online identification (iDIN), document signing and IBAN-name checks. It is used on a daily basis by various companies within different sectors. Bluem has built a solid track record with a strong growing customer base. Our robust API ensures that our innovative solutions can be easily linked to any process or system. In addition, we work with recognized industry partners, ensuring the exchange of information with relevant applications via plugins. Our passion is to make online business easier, cheaper and more flexible, and that is why we are still building hard with our great team to make our products even better.

In good
company
 

Did you know that more than 500 companies already work with Bluem? And that we send millions of digital bills and process this into payments? As a certified Digital Identity Service Provider (DISP) we provide identity checks for more than 200 parties and this number is growing fast. The IBAN-name check and digital signing are new services with a lot of potential. We open up the IBAN-check as the first PSP for the business community. Many organizations trust Bluem with their data. That is why we guarantee that all data on European servers are in highly secure and certified areas. Our Cloud platform is reliable, scalable and monitored. This offers your company data protection and 24/7 availability. Bluem is based in Amersfoort and has its software team in Sofia (Bulgaria). Do you want to know how we can help your company? Contact us.

Bluem team

Rieko Kester

CEO

Rieko is an entrepreneur with a passion for new business. While studying business administration at the Erasmus University, the first venture saw the light of day. After gaining experience in business development and management consulting jobs at KLM, Philips Thailand and KPMG Consulting, Rieko started at Bluem in 2000, together with Atos Nederland and Scan Laser. Rieko became CEO in 2002 and he is committed to large-scale adoption of e-invoicing and e-payments ever since. Rieko has fulfilled various interbank functions under the auspices of the Dutch Payments Association and NVB regarding FiNBOX.

Georg Tuparev

Senior Software Architect

Georg has worked for Bluem since 2002. Georg is an enthusiastic internet veteran and experienced web solutions developer in the FiNTECH world. He has a university background and a passion for mathematics, physics and astronomy. Georg manages the software team in Sofia and is the bridge head.

Irina Popova

Senior Software Developer

Irina has been working for Bluem since 2002 and is the main developer. She directs and coaches the software development team in Sofia.

Marcello Luppi

Designer

Marcello aspires to simple, elegant, award-winning user interfaces; fluent and intuitive interaction designs; original and fascinating images with care, passion and creativity. One of his creations, Agenda, has won the Apple Design Award in 2018. He believes that really great designs come from respect, trust, empathy and love. He has been working with Bluem since 2016.

Frans Schippers

Senior System Engineer

Frans has been active for Bluem since 2007. Data centers, hardware, OS, firewall, security and system design are among his areas of interest. Frans is an IT veteran who has more than earned his spurs in the areas of security, data protection and system engineering.

Tom van Loon

Sales support

Tom is our enthusiastic trainee sales support. During his study Business Administration at the Hogeschool Utrecht he gained experience at several successful companies. In 2017 he started at Bluem. Tom now supports the sales, marketing and communication to customers and prospects.

Todor Karastoyanov

UI Specialist

Todor is our UI specialist working with HTML, all the new java scripts and other technologies out there to make the user interfaces intuitive.

Iliyana Mitova-Savcheva

Operations & Database Management

Iliyana is an allround database management specialist and within the team responsible for the data warehousing.

Ani Mihova

Testing

Ani is responsible for the acceptance testing of new releases, as well as for the exception monitoring at production. She works with an array of test tools.

Vanya Lazarova

Operations & System Management

Vanya is working for Bluem from 2007. She is responsible for the external connections, certificate and token management, software deployment, testing, notification tools and for the monitoring of our data center infrastructure.

Antonia Toncheva

Software Developer

Tony is a junior developer in the Apps development team. She is merely focused at backend development work.

Charles Parnot

Senior Software Developer

Charles is an experienced software engineer with a keen eye for both the technical stack and the product. He has a strong scientific background that he puts to use in his thoughtful and creative analysis of the problems he is faced with. Charles is an easygoing individual to make everyone happy and productive.

Boryana Pandova

UI design specialist

Boryana makes your branded checkout beautiful. Originally a photographer who is also working as a designer and a videographer between Sofia, Berlin and Holland. B&W portraiture and witty ways of showing diversity of life trough visual art is what excites me most.

Laurens Uffing

Trainee (online) Sales & Marketing

Laurens is our Sales & Marketing trainee since August 2020. He supports sales, communication and takes care of Bluem's marketing. During his study Business Administration, Laurens gained experience at organizations such as the Chamber of Commerce.

Bastiaan Rethmeier

Trainee Sales & Internal Service

Bastiaan has been our Sales & Marketing intern since February 2023.
He supports the sales, communication and marketing of Bluem.
He is currently studying business administration at the Amsterdam University of Applied Sciences.

Jorian Tuin

Trainee Sales & Internal Service

Jorian has been our Sales & Marketing intern since February 2023.
He supports the sales, communication and marketing of Bluem.
He is currently still studying business administration at the University of Utrecht.

Bluem partners

Bluem partners

Together we make the difference

An old Chinese saying says: 'by yourself you walk faster, together you walk further'. We are convinced that this is true. And we are not alone. For example, Bluem has been working intensively with software companies, internet agencies and banks that have the same goal for years: helping organizations improve payment convenience and online assurance.

Powerful API; simple integration

Integrate our viamijnbank platform into your SaaS solution so that customers can receive payments and direct debits efficiently. Or to perform an IBAN name or identity check. We keep things simple. That is why the robust Viamijnbank API can already be integrated with a few lines of code.

Developer or package provider?

We team with partners to improve the payment and / or identification process for customers. Add payment power to your package. Provide companies with valid (business) emandates. Prevent fraud with the IBAN-name check. Or develop new services on our iDIN and document signing API. We are an experienced partner with concrete solutions. This leaves more time for what is really important, your own product. Do you have ideas and do you think we can help? Contact us.

Developers

API introduction

Here you will find a short API introduction. This gives you an overall insight into the API for our services: payment, direct debit mandate, identification, signing and IBAN-name check. The API documentation contains everything you need to quickly implement the services or build it yourself in a front / backend. At Partners, you will find a list of available packages and plugins that are already available ready for use.

API documentation

The API can easily be integrated into any process or system with a few lines of code. Request the API documentation via info@bluem.nl. This technical manual per service explains how to integrate our API and includes XSD and real examples.

API messages

See here the API messages for payment, direct debit mandate, identification (iDIN) and document signing. Note: IBAN-name check does not have a user interface. The API is a direct database check at the banks with instant reply.

Create transaction

- From Merchant to Bluem: TransactionRequest
- From Bluem to Merchant: TransactionResponse*

Request status

- From Merchant to Bluem: StatusRequest
- From Bluem to Merchant: StatusUpdate

*Contains transaction link where the Merchant redirects the customer. Customer comes to the viamijnbank checkout in your look and feel. Here the bank is chosen and in the trusted banking environment the transaction is confirmed. The customer returns and is redirected to your website.

API features*

Real-time model: REST web service (with token or certificate authentication*).
Batch model: SFTP
Language: Support XML and / or JSON
Support webhook: Bluem posts StatusUpdate on a Merchant url
Checkout: Bluem provides the checkout in your look and feel.
System: TEST, ACCEPTANCE and PRODUCTION environment available (account request)

*Sample software library code available.

API is flexible

Transactions arise from processes. Our API therefore supports many ways of working. We are happy to explain what you can do with the API. The comprehensive yet simple API also contains optional fields for specific use cases. For example, you can integrate the API with a few lines of code directly in your website, app or back-end system. For example, it is possible to retrieve transaction links only, or even have us send the payment requests. This flexibility is your guarantee for a suitable solution.

Bluem partners

Highlights of the Blog

12 Dec 2024 4 tools die elke HR-afdeling in 2025 nodig heeft

4 tools die elke HR-afdeling in 2025 nodig heeft

De wereld van Human Resources verandert razendsnel. Wat ooit een administratieve rol was, is nu een strategische functie die cruciaal is voor het succes van een organisatie. Slimme technologie speelt een sleutelrol in deze transformatie. Met de juiste tools kun je niet alleen efficiënter werken, maar ook een unieke werknemerservaring bieden. Bluem ontwikkelt innovatieve oplossingen …

Latest resources

Online transactions and business. A market with numerous new developments and initiatives in online payment, direct debit mandates and identification services. We follow the trends closely. Knowledge that we share with you.

Terms and Conditions

These General Terms and Conditions apply from 1 March 2017 and possibly replace previous conditions of Bluem.

Definitions

The following terms have the following meaning in these General Terms and Conditions and in the Agreement:

Bluem: having its registered office and office in (3821 BB) Amersfoort at Plotterweg 31, registered with the Chamber of Commerce under number 32081330;

Connection documentation: the API; it specifies how the Client can link to the Bluem platform;

Account: the set of data uniquely linked at Bluem to a Client and / or user of the Client and with which the Client engages certain Services or has access to Software;

Subscription: the type of user right for a Service / Software that the Client purchases from Bluem;

Bug: technical defect in the Service / Software that, given the nature and purpose, cannot reasonably be put into use, at the discretion of Bluem;

DashboardVMB: the web application made available by Bluem to the Client, with which data registered by Bluem about historical transactions can be viewed by the Client and in which certain settings with regard to the service provided by Bluem can be changed to the Client;

Third Party Software: software from Client or third parties;

Service / Software: the Service / Software that Bluem makes available to the Client "remotely" or provides for the Agreement; via the Service / Software, transactions can be initiated and processed via the internet and / or Documents can be stored, sent and / or processed; These include, but are not limited to, invoice, payment, authorization and / or identity services, Apps or portals;

Documents: Documents in the broadest sense of the word, which the Client sends and / or uploads to the Server (s) of Bluem;

Financial Institution (s): One or more banks or credit institutions to which the Service / Software is connected and which process transaction (s) for which an order has been issued;  

Error: technical defect that prevents the use of the Service / Software, given the nature and purpose, at the discretion of Bluem;  

Data: all Data relating to the Client and its users and customers;  

Intellectual Property Rights: the global intellectual property rights and similar and related rights in the broadest sense, including in particular, but not exclusively, the (claims to) copyright, database rights, design rights, trademark rights, know-how, domain names and patent rights, including any future intellectual property rights;  

Intermediary (s): every possible Intermediary between Bluem and the Financial Institutions including owners of transaction products and brands (such as the Dutch Payments Association, Currence, iDEAL, Incasso, iDIN, Visa, Mastercard and PayPal) as well as the networks they use for transport and the processing of transactions and government agencies involved including, but not limited to, the DNB and the AFM;  

Client: the organization that purchases the Service / Software from Bluem, as specified in the Agreement;  

Solution: a remedy or alternative way of working for an Error after an Error has been received and confirmed by Bluem, in such a way that the Service / Software delivers the core functionality agreed with the Client.  

Agreement: the Agreement between Bluem and the Client, including any appendices, to which these General Terms and Conditions apply;  

Party: Client or Bluem;  

Parties: both Client and Bluem;

Server (s): computer (s) on which Bluem components of the Service / Software are running in production and on which Data and Documents are stored;  

General Terms and Conditions: these General Terms and Conditions; The titles of the articles in these General Terms and Conditions only serve for the convenience of the Parties and do not co-determine the content. No legal force can therefore be derived from this.

CHAPTER 1. GENERAL PROVISIONS
Article 1. Order, offer and acceptance

  1. The Agreement between Bluem and the Client is established because the Client places an order via the Website. The website states the amount that will be due and the description of the Service / Software stated on the Website is binding. In addition, it is possible that Bluem will prepare a quotation in which it indicates what is included in the Service and what amount will be owed upon acceptance.
  2. A quotation is without obligation and valid for up to 30 days after shipment by Bluem, unless stated otherwise in the quotation.
  3. If it appears that the information provided by the Client is incorrect, Bluem has the right to adjust the prices accordingly.
  4. These Terms and Conditions apply at all times to the Agreement or to any offer from Bluem, unless agreed otherwise in writing. The General Terms and Conditions have been filed with the Chamber of Commerce and can always be consulted via the Bluem website: www.bluem.nl. The General Terms and Conditions will be sent free of charge upon request.
  5. Provisions or conditions set by the Client that deviate from or do not appear in these General Terms and Conditions are only binding for Bluem if and insofar as they have been explicitly accepted by Bluem in writing. If the present General Terms and Conditions have been tacitly or explicitly deviated from one or more times, the Client cannot derive any rights therefrom with regard to Agreements concluded subsequently. The applicability of the Client's purchase or other terms and conditions is expressly rejected.
  6. The mere issuance of a quotation or similar notification, whether or not indicated by an offer, does not oblige Bluem to conclude an Agreement with the Client. They are of an indicative nature only, unless otherwise stated in writing by Bluem. The Client can never derive any rights or expectations from a pre-calculation or budget issued by Bluem. Bluem has the right to refuse a Client at its own discretion without giving a reason.
  7. Offers can only be accepted without deviations. Contrary to the provisions of Article 6: 225, paragraph 3 of the Dutch Civil Code, Bluem is not bound by deviations from Bluem's offer occurring in the acceptance by the Client. An Agreement is concluded at the moment at which the communication regarding the relevant acceptance by the Client is received by Bluem. After acceptance, cancellation of the Agreement is not possible. After acceptance, the Agreement may only be amended with mutual consent.
  8. The Agreement runs from the moment at which notification regarding acceptance by the Client is received by Bluem.
  9. In the event of stipulations in the Agreement, general terms and conditions or annexes thereof, the following order of priority applies:
    1. the Agreement;
    2. the possibly concluded Service Level Agreement;
    3. any annexes;
    4. these Terms and Conditions.
  10. If any provision of these General Terms and Conditions is invalid or destroyed, the remaining provisions of these General Terms and Conditions will remain in full force. In that case, the parties will consult with the aim of agreeing new provisions to replace the invalid or annulled provisions, taking into account as far as possible the purpose and scope of the invalid or annulled provisions.
  11. Subject to the explicit written permission of Bluem, the Client is prohibited from transferring any rights or obligations arising from an Agreement concluded with Bluem to third parties, including companies affiliated with the Client.

Article 2. Delivery and implementation of the service / software

  1. After the conclusion of the Agreement, Bluem will deliver or perform the Service / Software as soon as possible in accordance with the offer or the electronic order. Client acknowledges that Bluem may depend on third parties for this. At the same time, the Client undertakes to execute the relevant instructions from Bluem as well as the instructions in the Connection Documentation, which will be provided to the Client. Unless explicitly stated otherwise in writing, the agreed delivery times are not binding.
  2. Client will arrange for its hardware and software to be set for its own account and risk in accordance with the conditions and procedures included in the Connection Documentation, if applicable. The Client will ensure that, immediately after entering into the Agreement, it has the facilities and contracts required for the use of the Service / Software. In the performance of the Agreement, the Client is obliged by Bluem to do all that is reasonably necessary or desirable to enable a timely and correct delivery or performance by Bluem and will act accordingly to Bluem with appropriate speed. In the event of non-compliance by the Client with this paragraph, an agreed delivery deadline or start of the Service / Software is no longer binding.
  3. The Implementation is completed as soon as the Client has access to the Service / Software or is connected to any Financial Institution.
  4. In the event of an interim change to the agreed specifications, the agreed delivery period expires and a new period is determined.
  5. Unless otherwise agreed in writing, Bluem makes every effort to ensure that the Service / Software is delivered and performed to the best of its ability and with due care and expertise. The parties acknowledge that the success of delivery and / or implementation is partly dependent on correct and timely mutual cooperation.
  6. Bluem has the right to have certain work done by third parties. This is without prejudice to Bluem's responsibility and liability for the fulfillment of its obligations under the Agreement.
  7. Bluem is permitted to independently make changes to the material supplied by the Client without the Client's prior consent.
  8. If this is part of the Service / Software, Bluem will provide the Client with an administrative username and password. With this data, the Client has access to the Account (DashboardVMB). Client will pay all fees resulting from the use of the service with administrative username and password.
  9. Any action that takes place through the Client's Account is deemed to take place under the responsibility and risk of the Client. In the event of a suspected misuse of the Account, the Client must report this to Bluem as soon as possible so that it can take measures.

Article 3. Availability, maintenance and renewal of the service / software

  1. With regard to Service / Software, Bluem guarantees that Bluem is authorized to execute it and will execute it in a professional manner for the duration of the current Agreement.
  2. Bluem will endeavor to detect and resolve Errors and / or Bugs in the Service / Software. If the Error in the Service / Software makes use impossible, Bluem will endeavor to correct the Error as quickly as reasonably possible.
  3. Bluem will endeavor to achieve maximum availability of the Service / Software provided, but offers no guarantees in this regard, unless otherwise agreed in the quotation or the online ordering procedure through a Service Level Agreement (SLA) designated as such. Unless otherwise provided in such an SLA, the provisions in this article apply to availability.
  4. In the event of the Service / Software not being available, due to malfunctions, maintenance or other matters, Bluem will endeavor to inform the Client about the nature and expected duration of the interruption.
  5. Bluem has the right to temporarily suspend its systems, including transaction pages, or parts thereof for the purpose of maintenance, adjustment or improvement thereof. Bluem will try to have such a temporary decommissioning take place outside office hours as much as possible at times that it causes as little inconvenience to the Client as possible. To the extent reasonably possible, Bluem will inform the Client in advance of the planned decommissioning. However, Bluem is never liable for compensation for damage in connection with such decommissioning.
  6. Bluem has the right to adjust its systems, including the transaction pages, or parts thereof from time to time to improve functionality and to correct errors. Client therefore automatically works with the latest version of the Service / Software. In the case of adjustments that are relevant for several Clients, it is not possible to forgo a specific adjustment only for the Client. If an adjustment leads to a significant change in functionality, Bluem will endeavor to inform the Client thereof. Bluem is not obliged to pay any compensation for damage caused by such an adjustment.
  7. The Client is obliged to implement any adjustments that result from a change in the specifications for the use of the Service / Software to be delivered by Bluem for its account and risk without delay in its Operations. Bluem is not obliged to reimburse any costs or damage resulting from a change in the specifications of the Service / Software provided by Bluem.
  8. Bluem is not responsible and not liable for any errors, malfunctions, interruptions and / or other problems in / with the (operation of) Third Party Software, even if this is caused by modification, improvement or maintenance work in the Third Party Software. . Client must in that case contact the administrator of the Third Party Software. Bluem will endeavor to support the Client in handling problems and the use of the Service / Software, based on fair use, at the discretion of Bluem.
  9. In the event of the Service not being available, due to malfunctions, maintenance or other matters, Bluem will endeavor to inform the Client about the nature and expected duration of the interruption.

Article 4. Complaints, malfunctions and support

  1. Client is obliged to actively monitor whether Bluem is properly complying with the Agreement. If the Client finds a problem that prevents the Service / Software from being used in the manner stipulated in the Agreement, the Client must report this to Bluem as soon as possible. Bluem will process the report and then make every effort to arrive at a remedy or workaround within a reasonable period of time for a complaint and / or malfunction, so that the Service / Software to be delivered again complies with the agreed functionalities.
  2. Bluem will keep itself available during office hours for a reasonable level of technical support to the Client in the use of Service / Software, based on fair use, at the discretion of Bluem. Client is solely responsible for supporting its customers.
  3. The client must inform Bluem as soon as possible after a defect has been found. In the event of a failure, the following protocol must be followed: a. The client must inform Bluem as soon as possible about the malfunction (including details); b. Bluem will take care of the registration; c. Bluem will start an investigation into the malfunction and make an effort to reach a Solution within a reasonable time; d. Bluem will inform the Client about the realized Solution.
  4. Complaints about the Service / Software provided by Bluem must be properly made known to Bluem in writing by the Client within 30 (thirty) days after the incident (incident). After the expiry of this period, any right in this respect expires for the Client.
  5. Where possible, Bluem is always entitled to substitute a new sound performance for a previous defective performance.

Article 5. Prices and reimbursements

  1. The Client owes the prices that are included in the Agreement for the purchased Service / Software. These are one-off, periodic and / or usage-dependent amounts. All prices are exclusive of turnover tax (VAT) and other levies imposed or to be imposed by the government. Unless otherwise agreed, all prices are always in euros and the Client must make all payments in euros. All prices quoted only apply to the agreed specifications.
  2. All agreed periodic and usage-dependent amounts are binding, unless after the offer one of the cost-determining factors (for example the prices of suppliers including Financial Institutions) changes in the period between the time of the offer and the time of delivery and the resulting price increases cannot or can hardly be influenced by Bluem. There are circumstances that justify a price increase. In such cases, Bluem has the right to adjust the agreed price accordingly. Client will be informed in time, in principle 1 (one) month before entry into force, of a price change to be implemented. The price changes will be sent by Bluem by email. The Client agrees with this method of sending.
  3. Client has the right within 30 (thirty) days after notification to, if a price increase referred to in the previous paragraph exceeds 5%, terminate the relevant Agreement in writing at no cost as of the date on which the new rate takes effect , but without the right to compensation. Without notice from the Client and / or cancellation of the Agreement, the price change will take effect on the date as initially determined by Bluem.
  4. Bluem is entitled to increase the agreed price annually in the context of a continuing performance agreement as referred to in Article 13 on the basis of the consumer price index published by the Central Bureau of Statistics (CBS) for all households (all uses, index 000000). See www.statline.cbs.nl. Client has the right to cancel the Agreement in writing within 30 (thirty) days after notification, taking into account the cancellation procedure and period. The Client does not, however, have such a right to cancellation if it has been explicitly agreed between the Parties that the price will be adjusted with due observance of an index or standard agreed between the Parties.
  5. Use-dependent amounts are due by the Client on the basis of the actual registered use afterwards. If a Subscription comes with a certain number of transactions per month, the Client cannot take this "credit" for transactions to the following month. If the Client pays the Subscription Fee per calendar year, the Client can use the total annual credit throughout the year. In this case, too, the credit cannot be carried over to the next calendar year. This provision applies accordingly for other terms of the Agreement.
  6. With regard to the use and the fees payable by the Client for this, the relevant documents and data from Bluem's systems provide full evidence, without prejudice to the Client's right to provide proof to the contrary.
  7. If the Client consists of several natural persons and / or legal persons, each of these persons is jointly and severally liable to pay the fees due under the Agreement.

Article 6. More and less work

  1. All changes to the specifications of the Service / Software, either at the request of the Client or as a result of the fact that, due to circumstances, another execution is necessary, when extra costs are involved, this will be regarded as additional work and to the extent that there are fewer costs as less work. These are invoiced accordingly to the Client in accordance with the usual prices of Bluem.
  2. If, due to circumstances unknown at the time of the offer or the confirmation of the Service, Bluem is required to perform more work than agreed, or to perform work under circumstances more objectionable than was known to it at the time of entering into the Agreement, Bluem is entitled to charge the resulting additional costs to the Client. The basis for additional work is in any case deemed to be amended instructions after receipt of the data, examples and / or files sent by the Client, receipt of defective files, deviating delivery methods and necessary data corrections.
  3. A condition for the right from the preceding paragraphs is that Bluem has informed the Client in good time about the circumstances and extra costs referred to therein. If the Client cannot agree with the additional costs involved, he has the right to cancel the part of the additional work that has not yet been carried out, but without the right to a refund or remission of the costs of additional work already carried out.

Article 7. Payment conditions

  1. The Parties shall record in the Agreement the date or dates on which Bluem charges the Client for the service / Software fee. In the absence of an agreed payment schedule:
    a. all fixed periodic payments are always due in advance per calendar month.
    b. all usage-dependent fees are generally payable per calendar month in arrears on the basis of the actual registered use or the determined minimum consumption.
    c. all one-off payments 50% at the start of the work to which they relate and the remainder upon completion of the work. Insofar as the Implementation Work could seize more than two months after commencement and the cause of the delay cannot be attributed to Bluem, Bluem is entitled to charge the full one-off costs in this regard to the Client as well as the associated fixed periodic fees.
  2. Bluem will send an invoice to the Client for the amount owed by the Client. The Client agrees with electronic invoicing by Bluem. If desired, the Client can receive a paper invoice, for which an extra amount of € 2.50 per invoice will be charged.
  3. Unless explicitly agreed otherwise in writing, full payment of invoices sent by Bluem must take place within 14 days after the invoice date, without the Client being able to rely on any discount, settlement, suspension or debt compensation. The payment term made known to the Client can be regarded as a strict deadline. For payment, the day of credit validation of the account of Bluem is considered to be the day of payment.
  4. If an automatic direct debit is refused or if payment is not made or is not made in time, the Client will be in default by operation of law, without any summons or notice of default or legal intervention being required for this.
  5. In the absence of payment within the applicable period as referred to in the preceding paragraph, the Client shall owe interest on the outstanding invoice amount of 1% (one percent) per month. In addition, the Client will then be obliged to reimburse the extrajudicial costs that Bluem must incur in order to collect the outstanding invoice amount. These costs are set at least 15% of the outstanding amount with a minimum of EUR 50.00 and without prejudice to Bluem's right to charge further reasonable costs to the Client. In addition, Bluem is entitled to charge administration costs of € 5.00 for the 1st reminder and € 10.00 for a reminder in the event of late payment. If an automatic direct debit is not successful, the Client will be notified and Bluem has the right to charge an amount of € 5.00.
  6. Every payment by the Client serves first of all to settle the interest due and then to settle the collection costs, with the exception of the legal costs. Only after these amounts have been paid will any payment by the Client be deducted from the outstanding claim, whereby the first outstanding will be debited, irrespective of the description that the Client may have given to the payment.
  7. Without prejudice to the Client's payment obligation, Bluem reserves the right to suspend its obligations and services and to suspend them until full payment has been made, without Bluem being obliged to pay any compensation.

Article 8. Terms of use

  1. Client is responsible for the choice of using the Service / Software and whether it is suitable for the purpose.
  2. It is in the interest of the Client that the data files that are offered in the context of the service are integrity and have been checked for quality.
  3. Client may not misuse or make improper use of the Service / Software. In a general sense, this means that the Service / Software may not be used in a way that is contrary to applicable law and that no rights may be infringed on the rights of third parties.
  4. The parties undertake not to perform any acts or to have them performed or to have them performed in the context of the implementation of the Agreement, which are contrary to the law, good morals and / or public order.
  5. Although Bluem makes every effort to inform the Client about any permits that the Client may need for the Service, completeness is not guaranteed. The client remains fully responsible at all times for the timely application and obtaining of all necessary permits.
  6. The Client is not permitted to use the data provided by Bluem for a purpose other than that specified in the Agreement. Bluem does not guarantee the accuracy and completeness of the information it provides. Bluem receives this information from the relevant Financial Institution (s) and passes this "as is" to the Client.
  7. The Client indemnifies Bluem against all third-party claims that are based on the assumption that the Client, its users or (end) customers have not complied with a valid duty when using the Service / Software - legally, on the basis of the Agreement or otherwise - or has infringed on another person's rights.
  8. Bluem has the right to (temporarily) disable the Service / Software supplied if the Client fails to comply with an obligation to Bluem or acts contrary to these General Terms and Conditions.

Article 9. Supplied data and files

  1. Client provides data and / or files in a timely and sound manner, at its risk. Client will receive instructions from Bluem regarding the method of delivery. The data and files supplied must meet the Connection Documentation requirements set by Bluem. The responsibility for the data and files provided rests entirely with the Client, who guarantees its accuracy.
  2. Errors or delays that (partly) arise because the data and / or files supplied are not correct or complete, cannot lead to Bluem's liability. Client is liable to Bluem for any damage that Bluem suffers as a result of errors or imperfections in the data and / or files supplied by it. This should also include viruses, worms and other electronic elements. The client indemnifies Bluem against any claims from third parties as a result of such imperfections.
  3. With regard to the data and / or files to be supplied by him to Bluem, the Client guarantees that he / she is entitled to make these available to Bluem and that Bluem is entitled to provide the services agreed in respect thereof. The client indemnifies Bluem against any third-party claims in this regard.
  4. If Bluem has agreed on the retention of data and / or files during a certain period, this does not affect the Client's own legal obligation with regard to its accounting and the retention thereof.

Article 10. Privacy and security

  1. Parties maintain that Bluem is a 'processor' within the meaning of the Dutch Personal Data Protection Act with regard to the processing of personal data. Bluem will only process (personal) data that it has at its disposal for the performance of its services. Bluem will not make (personal) data available to third parties, other than the data necessary for the services, except in the following cases to the following Parties, for which - to the extent necessary and possible - the Client gives explicit explicit permission:
    a. To third parties who provide necessary (technical) services to Bluem for the operation of the Service / Software;
    d. To companies that (partly) take over Bluem, invest in Bluem, with which Bluem merges and / or are otherwise the legal successors of Bluem;
    e. To government agencies, intermediaries and financial institutions, if required by law and / or pursuant to a request and / or authorized order from a government agency.
  2. The Client guarantees and warrants that when processing personal data with the Service / Software of Bluem, it will act in line with all laws and regulations relating to that processing, such as - but not exclusively - the Personal Data Protection Act (Wbp ). The client indemnifies Bluem against claims from third parties in this regard. Client guarantees and guarantees - in view of all applicable laws and regulations - that it is permitted to send customers messages via the Service / Software. The client indemnifies Bluem against claims from third parties in this regard. In the event that the Client does not meet the aforementioned obligations or in the event that an Intermediary, Financial Institution, judge or government institution requests or requires this from Bluem, Bluem will be entitled to suspend its obligations towards the Client.
  3. Bluem is responsible for the protection of the data in its possession and will take all commercially reasonable, administrative, technical and physical measures to protect files, documents and / or personal data against unauthorized access or accidental loss or change. Despite the foregoing, Bluem cannot guarantee that unauthorized third parties will never be able to break through or circumvent the security measures taken by Bluem and use the data for fraudulent purposes. Client acknowledges that 100% security of Service / Software does not exist. The client accepts this risk if it provides data, documents and / or files from clients in the context of the service.
  4. The electronic data is stored on Servers in highly secured data centers within the EU. The data centers that Bluem uses are certified, modern and comply with the latest technology when it comes to speed and security.
  5. Bluem only processes data from the Client and its users that are necessary for the operation of the Service / Software. The name, email address, mobile number, function and password of users are registered. Client has the right, upon request, to view his personnel data which Bluem has registered.
  6. The parties undertake to regularly scan their systems with the latest versions of antivirus software and other security software for computer viruses and other malicious software and to take appropriate measures if necessary.
  7. The client is fully responsible for the security of the data on its own systems, website, via your app or otherwise in your possession. Client agrees to comply with all applicable national and international laws and regulations regarding the collection, secure storage and distribution of personal and payment data. Client is entirely responsible for complying with legislation and regulations with regard to its own business activities. The Client will, if applicable, comply with the rules laid down in the (relevant parts of the) Payment Card Industry Data Security Standards (PCI-DSS) and the Payment Application Data Security Standards (PA-DS). If there is nevertheless an "Account Data Compromise" (ADC), the Client is liable for this. Client is aware that it is strictly prohibited at all times to store the CVV2 in any form. Information about the standards with regard to PCI-DSS can be found on the PCI Council website.
  8. In the event of a data breach at the Party, in which possibly personal, account and / or payment data are involved, the Party must immediately inform the other party. If the other party or Financial Institution requests additional information with regard to this data breach, the Party will cooperate in this.

Article 11. Confidentiality

  1. The Parties shall, subject to the prior written consent of the other Party, treat all data and information about the other Party that is (are) secret or of a confidential nature within the meaning of Article 39 of the TRIPS Agreement on strict confidentiality. adequately secure and in no way disclose to third parties. The European Directive 2004/48 / EC on the enforcement of I.E. rights applies accordingly to infringements of these trade secrets. Parties will only use the information referred to here in the context of an Agreement.
  2. Subject to written permission or the provisions of the Agreement, secret or confidential information or data includes in any case, but not exclusively: all information that is explicitly designated as secret or confidential by the other Party, all information and data that Parties become known by virtue of the Agreement, technical, Financial and business information, drawings, formats, concepts, source codes, pilots and all other information that the Parties know or should reasonably know to be secret or confidential and not should be made known to third parties, for example because disclosure causes a good chance of suffering damage or other disadvantage by the other Party. The Client acknowledges that the Service / Software made available by Bluem is always of a confidential nature and that it contains Business Secrets of Bluem or its Intermediaries.
  3. The parties may also not use or disclose the confidential information and / or data provided and / or received in the context of an Agreement in the event of an early or complete termination of an Agreement or after it has been terminated. end of an Agreement.
  4. The Parties are entitled to communicate or disclose confidential information from the other Party to the competent authorities, in cases where they are required to do so by virtue of applicable legal regulations, or that Bluem is required to deliver to an Intermediary on on the basis of agreements made with such an Intermediary.
  5. Bluem is entitled to provide information (including confidential information) to an Intermediary and / or a Financial Institution in the event of (a suspicion of) fraudulent use of the services and / or at the request of an Intermediary and / or Financial Institution.
  6. If the Client has an access code and / or certificate for the use of certain Service / Software, the Client will treat this code and / or this certificate confidentially, use it exclusively for the implementation of the Agreement and will not use it. disclose third parties.

Article 12. Intellectual property

  1. Client acknowledges that Bluem has all Intellectual Property Rights to the Service / Software. There is no question of transfer of Intellectual Property Rights.
  2. The Client has a right of use with regard to the Service / Software for the duration of the Agreement, insofar as this is necessary for the implementation of the Agreement. None of the provisions in the Agreement or in these General Terms and Conditions gives any right to the Client with regard to the Service / Software or related matters.
  3. The Client never has the right to make any adjustments to the Service / Software, nor does the Client have the right to make any copy thereof, to decompile the platform and / or otherwise to (try to) edit it.
  4. In the event of a violation of Article 12.3, the Client forfeits a - immediately due and non-moderating - fine of € 10,000 (ten thousand euros) for each violation, to be paid immediately by the Client to Bluem, without prejudice to any other claims of Bluem, such as right to full compensation.
  5. Parties guarantee each other that the implementation of the Agreement does not infringe on Intellectual Property Rights of third parties. Parties indemnify each other both in and out of court against all claims that third parties can enforce under the aforementioned law or regulations.

Article 13. Duration and cancellation

  1. The Agreement enters into force on the day of signature by both Parties and is entered into for the duration of the implementation work plus the specified duration from the first day of the calendar month in which the implementation work is completed in accordance with Article 2.3 and Article 7.1.
  2. A continuing performance agreement exists when Bluem concludes an Agreement with the Client that provides for the provision of Services and / or the provision of Software by Bluem periodically or otherwise regularly. A continuing performance contract is entered into for an indefinite period of time, unless explicitly agreed otherwise.
  3. For the Service and / or Software for which a warranty period of 30 days applies after completion of the implementation, the Client must, if he / she wishes to claim this, inform Bluem in writing within the aforementioned 30 days.
  4. Duration agreement for an indefinite period of time can be terminated by means of an email with acknowledgment of receipt or in writing by registered mail with due observance of a notice period of 6 (six) months and at the earliest after an active duration of at least 1 (one) year.
  5. A duration agreement for a definite period of time will be tacitly renewed for the same period of time, unless one of the Parties cancels the Agreement no later than 2 (two) months before the expiry of the specified period by means of an email with acknowledgment of receipt or in writing by registered mail. In this case, the Agreement ends on the last day of the term. The fixed-term agreement cannot be terminated prematurely. Any fees paid in advance by the Client are non-refundable.
  6. The rule is that in all cases cancellations must be made by the end of a calendar month.
  7. If the Client wishes to terminate the Agreement prematurely, Bluem will charge a lump sum payment. The calculation of this is as follows: 100% of the fixed costs of the remaining time until the end of the Agreement will be charged. The variable costs are calculated based on the average invoice amount for the remaining duration of the Agreement and charged for 50%. The calculation of Bluem for the lump sum payment is leading.
  8. In the event of termination of the Agreement by the Client as referred to in this article (and article 14), the Parties will immediately enter into consultation regarding the transfer of data files and / or other matters to be further agreed, such within the framework of continuity of the Client's business operations.
  9. Obligations which, by their nature, are intended to continue after termination of the Agreement, continue to exist. The termination of the Agreement does not relieve the Parties from the provisions regarding: confidentiality, intellectual property, applicable law and competent court.

Article 14. Dissolution

  1. Premature termination of an Agreement by either cancellation or dissolution is not possible subject to the provisions of the following paragraphs of this article. The operation of Articles 7: 402, 403, 404 and 408 to 412 of the Dutch Civil Code, insofar as applicable to the Agreement between the Parties, is excluded between the Parties.
  2. Each Party has the right to terminate the Agreement in whole or in part with immediate effect in the event that the other Party has been declared bankrupt, deferment of payment has been granted, has ceased its business activities or has been wound up.
  3. Each of the Parties is entitled to terminate the Agreement due to an attributable serious shortcoming in the performance of the Agreement if the other Party, always in all cases after a detailed notice of default in which a period of 2 (two) months for purification of the shortcoming, attributable shortfall in the fulfillment of essential obligations under the Agreement. If the other party fails to comply with repeated written and attributable notice of default, the Party has the right to terminate the Agreement. Payment obligations of the Client and all obligations to cooperate by the Client count as substantial obligations under the Agreement.
  4. Bluem has the right to dissolve the Agreement in whole or in part without observing any term if the Client makes improper use of the Service / Software, entirely at the discretion of Bluem, including, but not limited to, if the Client acts contrary to the right of use and obligations as set out in these conditions in articles 8, 10, 11 and 12, through the distribution of payment requests, collection of monies and obtaining authorizations that can in any way be regarded as unlawful, illegal, punishable and / or reprehensible, without any obligation to pay damages from Bluem, or the right to a refund of payments made in advance by the Client.

Article 15. Liability and indemnity

  1. Liability of the Party must be made in writing after the negligent Party has been given a reasonable period to offer an appropriate Solution. If the negligent Party is liable in connection with a failure to fulfill its obligations and / or unlawful act and / or otherwise for damage suffered by the other party, the negligent Party will only be liable for direct damage and not for indirect damage. Indirect damage includes, but is not limited to: loss of goodwill, lost profit, missed (investment) opportunities, missed savings.
  2. If and insofar as Bluem is liable to the Client, this liability is in all cases limited to an amount equal to the amount that the company has paid to Bluem in the form of the invoiced amount in respect of this Agreement to which the damage relates. prices. For an Agreement with a term longer than 6 (six) months, Bluem's liability is limited to a maximum of the amounts received by Bluem over the last 6 (six) months pursuant to the Agreement, excluding VAT. The liability of Bluem is, notwithstanding the previous paragraph, limited in all cases to EUR 25,000 (in words: twenty-five thousand euros) per incident-causing incident. A series of incidents counts as one (1) incident. Any right of the Client to claim damages lapses if the reporting procedure as set out in Article 4.4 is not complied with or a claim to that effect has not been submitted to the competent court within 12 (twelve) months after the incident causing the damage has been reported to the Client. . Before submitting a claim to the court, the Parties will always first investigate whether they can settle the matter mutually.
  3. Bluem is not liable for errors in connections, errors and bugs in the service / software of third parties, loss of data and / or other malfunctions that are not caused by Bluem. Bluem does not guarantee that the Service / Software will work (fully correctly) on all devices, operating systems and / or mail clients and / or that use of the Service / Software will lead to the result desired by the Client.
  4. The client indemnifies Bluem against claims (as well as all costs incurred by Bluem in the context of such a claim) of customers, financial institutions, intermediaries and / or third parties arising from:
    a. misuse by the Client of the Service / Software, as defined in, for example, but not exclusively, Article 14.4;
    b. defects in the website and / or defects in the products and / or services offered by the Client;
    |c. the Client's failure to comply with obligations arising from applicable privacy legislation, including, but not limited to, the Wbp;
    d. non-compliance and / or unlawful acts in the broadest sense of the word by the Client vis-à-vis customers and / or third parties;
    e. other matters where Bluem is not liable under the Agreement or these General Terms and Conditions.

Article 16. Force majeure

  1. A shortcoming in the performance of any Agreement cannot be invoked against Bluem and the third party / parties engaged by Bluem in the event of force majeure. “Force majeure” is understood to mean: circumstances or events that are beyond the control and will of Bluem - regardless of whether these circumstances or events were foreseeable or foreseeable at the time of signing any Agreement - as a result of which Bluem cannot reasonably be expected to be to fulfill its obligations under the Agreement. These circumstances or events include, but are not limited to: internet outages, network attacks, DoS or DDoS attacks, power outages, internal riots, war, fire, natural disasters, labor disputes, strikes, epidemics, government rules and / or similar rules, embargoes, non-compliance (due to bankruptcy or otherwise) by suppliers, software suppliers, Financial Institutions, subcontractors or any other third party (s) engaged by Bluem for the implementation of the Agreement, seizures, the unavailability of (the systems of) Financial Institutions and / or telecommunication services and (attempts at) unauthorized intrusion into and / or unauthorized use of the systems, networks and databases that belong to Bluem, the Client, Intermediaries and / or Financial Institutions and / or of which Bluem, the Client, the Intermediaries and / whether Financial Institutions is (are) dependent, as well as all of them unaware Work performed by others than Bluem or third parties engaged by it. In addition to the legal explanation of force majeure, these General Terms and Conditions also cover matters such as, but not limited to, the unavailability of software and systems from software package suppliers, Financial Institutions and Intermediaries.
  2. If a force majeure situation lasts longer than 2 (two) months, each of the Parties has the right to cancel the Agreement in writing with immediate effect by means of an email with acknowledgment of receipt or by registered mail, without any right to compensation being granted for this. arise.

Article 17. Various other provisions

  1. This Agreement supersedes all previous Agreements that have been entered into between the Parties, regardless of whether these Agreements have been made orally or recorded in writing.
  2. If the Client takes a new version of the Service / Software into use, and / or adjusts and / or extends its user rights and / or Subscription, these terms and conditions also apply in full thereto.
  3. Bluem has the right to outsource certain Services or parts of Service / Software to third Parties.
  4. Transfer by the Client of this Agreement or the rights and obligations contained therein is only possible after prior written permission from Bluem, which permission can be given under certain (then to be specified) conditions. The Client hereby grants Bluem, as referred to in Article 6: 159 of the Dutch Civil Code, advance permission to transfer an Agreement at a time desired by Bluem to a third Party to be designated by Bluem. If and insofar as necessary or desirable, the Client also undertakes to confirm the prior permission in writing.
  5. Bluem can at any time adjust the Agreement and / or the General Terms and Conditions by means of a written notification to the Client. Client will agree with reasonable changes. The changes take effect at the announced time of entry into force. If no time of entry into force has been notified, changes with respect to Bluem will take effect as soon as the change has been notified to him in writing. Without prejudice to the foregoing, changes of minor importance can be made at any time.
  6. The Agreement and the General Terms and Conditions are exclusively governed by Dutch law and the Parties will submit disputes, which cannot be settled amicably, to the court in Utrecht. If the court declares articles from the Agreement and / or General Terms and Conditions invalid, the other articles remain in force unchanged.

CHAPTER 2. SERVICE / SOFTWARE
Article 18. Delivery and acceptance

  1. In the Agreement, the Parties agree which functionality Bluem will provide to the Client as a Service / Software. Bluem guarantees that it is entitled to make the functionality of the Service / Software available to the Client and indemnifies the Client against claims from third parties in this regard.
  2. As soon as Bluem has completed the set-up of the functionality, if the set-up is not automatic, Bluem will inform the Client and report that it has been delivered, the Service / Software has begun and the functionality to the Client is ready for use (implementation is complete).
  3. If the Parties agree that the Client will carry out an acceptance test after the date of ready-to-use delivery of the Service / Software, then that acceptance test will take place within 5 (five) working days after the date of ready-to-use delivery. During the acceptance test, Bluem will assist the Client at its request at the applicable rates. Within 3 (three) working days after the acceptance test has taken place, the Client will send a report to Bluem if defects are found. If after this period Bluem has not received the results of the acceptance test, then Bluem is entitled to regard the Service / Software as accepted. Minor defects that by reason of their nature and / or the number of operational commissioning do not reasonably stand in the way, will not be a reason to withhold acceptance, without prejudice to Bluem's obligation to repair such defects, as far as possible.
  4. Third Party Software is never the subject of acceptance. However, with regard to software from a third-party supplier, Bluem will immediately pass on the defects found during the acceptance test to this third-party supplier. If and to the extent possible, Bluem is willing to make an effort to provide a temporary work-around during the time that the third-party supplier needs to repair the defect. The said work-around will be charged to the Client on the basis of actual costs, at the discretion of Bluem.
  5. If the Client has not approved the Service / Software during the performance of an acceptance test, the acceptance test will be repeated in accordance with the provisions of this article at the latest within 5 (five) working days after defects have been rectified. It is also possible that Bluem itself performs an acceptance test to demonstrate that the Service / Software is functioning properly.
  6. If the Client does not carry out an acceptance test and / or the Client uses the ready-to-use delivered goods for acceptance, the date of ready-to-use delivery will count as the date of acceptance.
  7. Material adjustments to customer functionality are communicated in time by Bluem to the Client and Bluem provides the Client with information regarding the possible consequences of intended adjustments or changes if these relate to the way in which the Client exchanges Data and Files with Bluem (API link).

Article 19. Use and service level

  1. Client is responsible for user names, passwords and certificates provided in the context of the service.
  2. The Client will act as a professional user in accordance with Article 8 in the context of purchasing the Service / Software.
  3. They establish the service level for the Service / Software in an SLA to the Agreement. In the absence of an SLA, Bluem does not guarantee that the functionality is always available to the Client, but Bluem strives for maximum availability, in accordance with Article 3.

iDIN Terms & Conditions

IDIN Terms and Conditions via DISP Bluem for Merchants (via Partner) 2019

1. Definitions

1.1 Merchant: the party who uses the iDIN provision of personal data of a User via DISP Bluem on the basis of an agreement with a Partner, as supplemented by these General Terms and Conditions.

1.2 Partner: an authorized reseller of Bluem that offers Bluem’s iDIN services to other parties. Partners are B2B software companies, system integrators, or solution providers. Typically, the Partner by themselves handle sales, onboarding and support for a customer for both API and Dashboard usage of DISP Bluem iDIN service.

1.3 Bluem: Bluem B.V., with its registered office in Amersfoort. Bluem fulfills the role of DISP (Digital Identity Service Provider) for iDIN.

1.4 iDIN: the standards and rules managed by iDIN B.V., established in Amsterdam, on the basis of which iDIN can grant Merchants via DISP Bluem.

1.5 iDIN provision: the personal data and / or document signature of the User who receives Bluem via Acquirer on the basis of an iDIN request from the Issuer and makes it available electronically to the Merchant.

1.6 iDIN request: the electronic request from the Merchant to Bluem for an iDIN provision.

1.7 Password: the password that, in combination with the username, is required for the Merchant's or Partner’s employee to make use of the iDIN via DISP Bluem Dashboard.

1.8 Certificate or Token: a certificate or token from Bluem required for the use of iDIN via DISP Bluem.

1.9 Documentation: the iDIN Documentation from Bluem that is applicable to iDIN via DISP Bluem, as well as the replacements of those manual (s) designated by Bluem.

1.10 Issuer: the user's bank that sends the personal data and / or document signature of the User included in its administration to Bluem in connection with an iDIN provision.

1.11 User: the person who, at the request of the Merchant, gives the Issuer an order for an iDIN provision.

1.12 iDIN via DISP Bluem: the iDIN-based service from Bluem, with which the Merchant, direct or indirect via Partner, can receive iDIN benefits.

1.13 Dashboard: https://viamijnbank.net/cgi-bin/WebObjects/ESDashboard.woa and / or web pages designated by Bluem on which Bluem makes information, setting options and other functions about iDIN available to the Merchant and/or Partner via DISP Bluem.

1.14 Agreement: the agreement concluded between the Partner and the Merchant, regarding iDIN via DISP Bluem in which these General Terms and Conditions have been declared applicable.

1.15 Bluem website: www.bluem.nl and / or one or more of its subpages and webpages designated by Bluem to replace them.

1.16 Acquirer: A party who has a License Agreement for iDIN with Currence has concluded to fill in the routing role and thus the link is between DISP and Issuer for iDIN.

1.17 Terms and Conditions: These IDIN Terms and Conditions via DISP Bluem for Merchants (via Partner) 2019 which have been accepted by the Merchant via https://bluem.nl/en/bluem-bv-contact?news#iDINterms

2. Contract duration

2.1 The termination of the Agreement does not relieve the parties from the obligations arising the General Terms and Conditions, which by their nature continue after the termination of the Agreement such as - but not limited to - the provisions of Articles 4, 7 to 9, 12, 14 and 16 to and with 23.

3. iDIN via DISP Bluem, direct or indirect via connecting Partner: features

3.1 With iDIN via DISP Bluem, the Merchant can request the User's personal data via an iDIN request from the Issuer's administration. If the User and the Issuer agree to the provision of (a part of) the personal data included in the iDIN request, Bluem will provide the Merchant with the personal data received from the Issuer via the iDIN provision.

3.2 The detailed features of iDIN via DISP Bluem are described in the Documentation. Bluem is always authorized to change the characteristics of iDIN via DISP Bluem and will inform the Merchant of such changes in a manner to be determined by Bluem.

3.3 Bluem provides the personal data of the User as recorded in the administration of the Issuer. Bluem therefore does not guarantee the accuracy, completeness and topicality of the personal data included in the iDIN disclosure. Bluem is therefore not liable towards the Merchant for errors in the iDIN provision. Bluem also does not vouch for the legal capacity or legal capacity of the User. Bluem stipulates on behalf of the Acquirer and Issuer that the Merchant may not sue the Acquirer and Issuer for (damage as a result of) errors in the iDIN provision.

3.4 The Merchant is not permitted to remove one or more Issuers from the so-called issuer list as described in the Documentation.

3.5 Not all banks active in the Netherlands participate in iDIN as Issuer. iDIN via DISP Bluem may only be used for legal activities (on websites) according to Dutch and international law. The personal data included in the iDIN disclosure may not be processed outside the European Union (EU).

3.6 Bluem will make commercially responsible efforts to enable the Merchant to submit iDIN requests and to collect iDIN services for 7 days a week and 24 hours a day.

Bluem is, inter alia in the event of malfunctions, maintenance work or security incidents, authorized to limit and / or suspend iDIN in whole or in part via DISP Bluem. Bluem will, if possible, give the Merchant advance notice via the Bluem website or in another way of the (intention to) suspend, unless Bluem finds this undesirable in connection with, for example, fraud prevention or detection or the interests of third parties.

3.7 Bluem is authorized to suspend the fulfillment of its obligations under these General Terms and Conditions, including the issue of iDIN benefits, with immediate effect, in whole or in part, if and as long as the Merchant or the Partner, in the opinion of Bluem, fails to fulfill his obligations under these General Terms and Conditions and/or the Agreement, or there is a difference of opinion between the Merchant or the Partner and Bluem or between Bluem and third parties. When using the right to suspend Bluem, Bluem is not obliged to declare the Merchant in default, nor to compensate any damage to the Merchant.

This suspension right does not affect all other rights of Bluem, including the right to compensation for damage, and / or termination of the Agreement.

4. iDIN via DISP Bluem, direct or indirect via Partner: privacy and security

4.1 The Merchant is responsible, as referred to in the applicable privacy legislation, with regard to the personal data received from the User by the Merchant in the iDIN provision.

4.2 The Merchant guarantees Bluem that it always complies with the then applicable privacy legislation. The Merchant will, for example, process the personal data received through the IDIN provision in a proper and careful manner, taking into account the applicable laws and regulations, including the Personal Data Protection Act.

4.3 The Merchant may only use iDIN via DISP Bluem and the personal data received from the User via the iDIN provision for itself and activities agreed with Bluem. The Merchant is not permitted to process the data for other purposes.

4.4 The Merchant will protect the data received via the IDIN provision in both a technical and organizational manner in such a way that unauthorized persons cannot gain access to this data. The Merchant shall immediately inform Bluem of problems and / or irregularities, including suspected or actual unauthorized use, security incidents and data breaches within the meaning of Article 34a of the Personal Data Protection Act, with regard to the data provided by IDIN.

4.5 If unauthorized use, security incidents or data breaches could occur because the security measures of the Merchant are insufficient, the Merchant will adjust those security measures without delay to stop or prevent unauthorized use, security incidents and data breaches. The Merchant will upon request inform Bluem about the measures taken.

4.6 The Merchant will keep Bluem informed of new developments regarding the data breach and will immediately provide Bluem with all requested information and cooperation in connection with the breach of security or the data breach.

5. iDIN via DISP Bluem, direct or indirect via Partner: own goods, connections

5.1 The Merchant is responsible for its own account and risk for the uninterrupted availability, adequate security and proper functioning of the goods and (telecommunications) services required for iDIN via DISP Bluem, as described in the Documentation. Bluem may change the specifications of the required goods and / or (telecommunications) services, and will inform the Merchant of such changes in a manner to be determined by Bluem.

5.2 The Documentation describes the requirements with regard to the place(s) and method (s) where the Merchant presents iDIN via DISP Bluem on its systems.

6. iDIN via DISP Bluem, direct or indirect via Partner: Certificate or Token

6.1 The Merchant needs Certificate or Token for the use of iDIN via DISP Bluem. This Certificate or Token will be provided by Bluem.

6.2 The Merchant is irrevocably and unconditionally bound by, and responsible for, all (legal) acts performed with its Certificate or Token. The Merchant bears the risk of unauthorized use of the Certificate or Token.

6.3 The Merchant ensures that his Certificate or Token remain secret, are used and stored safely, and are only known to, and accessible to, persons authorized to perform (legal) acts with them on behalf of the Merchant.

6.4 The Merchant will take such measures that unauthorized access to and use of Certificate or Token is not possible. The Merchant will keep information regarding the security aspects of iDIN via DISP Bluem confidential. The Merchant must constantly carefully check whether the Certificate or Token are used exclusively by authorized persons and in strict compliance with his instructions and are kept safely.

6.6 The Merchant will immediately check any communication from Bluem to the Merchant regarding the use of a Certificate or Token for accuracy. If, based on the notification, the Merchant is of the opinion that there has been or has been incorrect use of a Certificate or Token, the Merchant will immediately inform Bluem about this.

6.7 The Merchant is obliged to immediately request Bluem to block a Certificate or Token as soon as the Merchant knows or suspects that a Certificate or Token:
- is lost or stolen;
- is used or may be used by unauthorized persons, or
- is being used or may be used in violation of instructions from the Merchant.

Bluem will block the ability of the Merchant to perform (legal) acts with the Certificate or Token as soon as reasonably possible after the Merchant has requested Bluem to be blocked in accordance with the above provisions.

6.8 At the request of Bluem, the Merchant will no longer use a Certificate or Token and / or use a replacement Certificate or Token on the date indicated by Bluem.

7. Use iDIN via DISP Bluem, direct or indirect via Partner: General

7.1 The Merchant may only use iDIN via DISP Bluem on its systems for the activities of the Merchant itself described in the Agreement.

The Merchant may only use iDIN via DISP Bluem on another website and / or for other activities, after the Merchant has received prior written permission from Bluem. This permission must be requested from Bluem. Bluem is in no way obliged to grant the requested permission and can attach additional conditions to a granted permission.

7.2 The Merchant is authorized, at his own expense and risk, to engage third parties in the performance of the Agreement. The Merchant is obliged to inform Bluem in writing before the Merchant uses a third party as processor with regard to the iDIN benefits, in writing about the statutory name, trade name, registered office, actual business address, number of Chamber of Commerce registration or similar number, contact person name, address and telephone number of the contact person of such a processor.

The Merchant ensures that the third parties engaged by the Merchant are fully aware of and bound by the obligations that arise for the Merchant and / or third parties from the Agreement. The Merchant ensures that these third parties correctly comply with such obligations, and will enforce compliance with those obligations in law at Bluem's first request.

The Merchant is aware that the involvement of third parties involves risks.

The Merchant will take the necessary care into account when choosing those third parties.

7.3 The Merchant may only use iDIN via DISP Bluem and the personal data received from the User via the iDIN provision for himself and not for others. The Merchant may not make the personal data received from the User via iDIN provided to others in any way.

7.4 The Merchant guarantees that the Merchant does not use iDIN via DISP Bluem;

A. if the Merchant knows or suspects that fraud has been or may be committed or is otherwise unlawful and / or punishable by or to the disadvantage of the User, Bluem, Acquirer or the Issuer;
B. in the event of (legal) acts that are in conflict with, or act in conflict with, Dutch, foreign or international laws or regulations;
C. for (legal) acts that concern goods or services whose existence, exploitation, trading, possession or use is punishable in the Netherlands or abroad;
D. with (legal) acts that infringe the rights of third parties;
E. for (legal) acts that are unlawful in the Netherlands or abroad for other reasons;
F. if, as a result, the reputation of Bluem or Acquirer and / or the image of iDIN is or can be damaged through DISP Bluem;
G. if this causes inconvenience to Users or the financial institutions of those Users;
H. if the Merchant thereby acts contrary to the Agreement, these General Terms and Conditions or the Documentation.
In the situation referred to under A., ​​the Merchant must inform Bluem without delay in accordance with the provisions of the Documentation and follow the instructions of Bluem.

7.5 The Merchant fully indemnifies Bluem, Acquirer and Issuers for damage as a result of claims from third parties, including Users, which are related to iDIN via DISP Bluem.

8. Use iDIN via DISP Bluem, direct or indirect via Partner: Communication

8.1 The (brand) name and logo of iDIN, and the techniques, documentation and methods used by Bluem for the execution of the Agreement and / or made available to the Merchant, are subject to intellectual property rights (including this trademark rights, copyrights and patent rights) of, among others, Bluem and its suppliers.

8.2 Except insofar as this is necessary for the execution of the Agreement or permitted in these General Terms and Conditions or the Documentation, the Merchant may use the (brand) name and the logo / logo of iDIN, and / or techniques, documentation and methods made available to the Merchant, not using, reproducing / copying, modifying, publishing or making available to third parties (under whatever title) without prior written permission from Bluem.

9. Use iDIN via DISP Bluem, direct or indirect via Partner: Information and research

9.1 The Merchant provides Bluem on first request with the information requested by Bluem about the use of iDIN via DISP Bluem by the Merchant and / or about the Merchant's fulfillment of his obligations under the Agreement. The Merchant is responsible for the accuracy and completeness of the information provided.

9.2 The Merchant grants Bluem the right to have the Merchant's administration and (computer) systems examined by an independent party if Bluem has reasonable grounds to doubt the correct fulfillment by the Merchant or third parties engaged by it of the obligations arising from the agreement. The Merchant will fully cooperate with this party in conducting the investigation. The costs of the investigation will be borne by Bluem, unless the investigation shows that the Merchant or a third party engaged by him has failed to fulfill the obligations described in this article. In the latter case, the Merchant is obliged to reimburse Bluem for the reasonable costs of the investigation.

9.3 At the request of Bluem or the relevant supervisor, the Merchant cooperates without delay in requests for information in relation to ((safety) incidents at) iDIN via DISP Bluem.
The Merchant is obliged to Bluem to strictly follow any instructions and measures from the regulator.

10. iDIN request via DISP Bluem, direct or indirect via Partner

10.1 The Merchant may request an iDIN provision from Bluem with an iDIN request that meets the provisions of the Documentation. Bluem is not obliged to process an iDIN request if the iDIN request and / or the way in which the iDIN request is submitted does not comply with the provisions of the Documentation.

10.2 In the iDIN request, the Merchant states, in accordance with the Documentation, which data must be included in the iDIN provision. In the iDIN request, the Merchant only requests the data from the User that the Merchant needs for the purpose that the Merchant has made clear to the User prior to the iDIN request.

10.3 In the iDIN request and on its systems, the Merchant uses the same (statutory and / or commercial) name, address and other data as in the Agreement.

11. iDIN distribution, direct or indirect via Partner

If the Issuer provides the personal data of the User to Bluem on the basis of an iDIN request, Bluem makes the iDIN provision available to the Merchant in accordance with the Documentation. The Merchant can collect the iDIN provision in accordance with the Documentation and within the maximum period included in the Documentation from Bluem.

12. Complaint handling in connection with iDIN benefits

The Merchant must:
a handle complaints about the use / abuse and the (legal) consequences of iDIN benefits for your own account and risk;
b provide the information about the complaint handling in a timely manner and in a clear manner before the iDIN provision;
c be easily accessible by e-mail and via telephone or chat box for complaints and respond without unnecessary delay;
d handle the complaint carefully, in a reasonable manner and within a reasonable period of time;
e at the request of Bluem, take reasonable account of the information received by Bluem, direct or indirect via Partner, from the Issuer about the validity of the user's agreement for the iDIN provision when handling complaints.

13. Dashboard, Password

13.1 The Dashboard is part of iDIN via DISP Bluem. Bluem or Partner may provide you access to the Dashboard. The characteristics and functions of the Dashboard are described in the Documentation. Bluem has the right to change the characteristics and / or functions of the Dashboard at any time and will inform the Merchant of those changes, or allow the Merchant via the Dashboard, the Bluem website or otherwise to take cognizance thereof.

13.2 The Merchant will request and / or change the Password required for the use of the Dashboard in accordance with the Documentation.

13.3 The Merchant is irrevocably and unconditionally bound by all (legal) acts performed in the Dashboard. The Merchant bears the risk of unauthorized use of the Password.

13.4 The provisions of Article 6 on Certificate and Token apply mutatis mutandis to the Password.

14. Merchant Details

14.1 The Merchant is responsible for the accuracy and completeness of the information that it has made known to Bluem and or Partner. The Merchant will immediately inform Bluem if this information changes.

14.2 Bluem has the right to provide the data about the Merchant and its use of iDIN via DISP Bluem, which data Bluem has received from the Merchant and / or which Bluem has collected or compiled itself, to third parties directly or indirectly involved with iDIN and if that is necessary or desirable in the opinion of Bluem.

15. iDIN documentation

15.1 The documentation used by Bluem applies to the use of iDIN via DISP Bluem. This Documentation is included on the Dashboard or is otherwise made known or made available by Bluem, via Partner, to the Merchant. The Merchant is obliged to comply with this Documentation. The Merchant is not permitted to use iDIN via DISP Bluem if the Documentation is not complied with.

15.2 Bluem may change the Documentation referred to in Article 15.1 with immediate effect, and will inform the Merchant of such changes, in a manner to be determined by Bluem.

16. Relations with third parties

16.1 Bluem is not a party to the (legal) acts between the User and the Merchant.
Bluem, Acquirer and Issuer are not liable towards the Merchant for (legal) acts of Users.
The Merchant indemnifies Bluem, Acquirer and Issuer for all claims of Users that are related to (legal) acts performed between User and the Merchant and the use of iDIN via DISP Bluem, and Bluem compensates the damage that Bluem suffers as a result of such claims.

16.2 The Merchant will resolve disputes with Users or others whose data have been obtained through an iDIN provision by the Merchant in a reasonable manner at his own expense and risk.

16.3 Bluem is authorized to use the services of third parties in the performance of the Agreement. Bluem will take the necessary care into account when choosing those third parties.

16.4 The Merchant is authorized, at his own expense and risk, to engage third parties in the performance of the Agreement.

17. Liability

17.1 Without prejudice to what is stipulated elsewhere in these General Terms and Conditions about liability, and unless arising as a direct result of its intent or gross negligence, Bluem is not liable for damage that directly or indirectly results from:
- non-compliance by the Merchant or Partner with the provisions of the Agreement, these General Terms and Conditions or the Documentation;
- international conflicts;
- violent or armed actions;
- measures taken by any domestic, foreign or international government;
- measures by a regulatory body;
- boycott actions;
- labor disputes with third parties or among the company's own staff;
- disruptions in and suspension of the electricity supply, in telecommunication services or connections, or in equipment or software of Bluem or of third parties engaged by Bluem;
- shortcomings by third parties that Bluem engages in the performance of the Agreement, if Bluem demonstrates that it has been careful in its choice of that third party.

17.2 Under no circumstances is Bluem liable for indirect damage, including lost profit, damage as a result of business interruption and consequential damage.

18. Proof

The data stored by Bluem or by third parties engaged by it with regard to the implementation of the Agreement, including the use of Passwords and Certificates, serves as complete proof to the Merchant, unless the Merchant provides proof to the contrary.

19. Terms and Conditions Merchant, applicable law, competent court

19.1 The terms and conditions of the Merchant do not apply to the Agreement.

19.2 Only Dutch law applies to the Agreement.
Disputes between parties related to the Agreement, the General Terms and Conditions declared applicable therein and the Documentation can only be submitted to the Dutch court.

20. Change to General Terms and Conditions

Bluem is authorized to supplement, change and / or replace these General Terms and Conditions. Bluem will inform the Merchant at least sixty days before the start date of a supplement, change or replacement, in a manner to be determined by Bluem. If the Merchant does not agree with a supplement, change and / or replacement, he must notify Bluem in writing within 30 days of canceling the Agreement.

21. Merger / split / transfer

21.1 All powers, rights and obligations of Bluem can also be exercised independently and jointly and severally by Bluem's legal successor (s) after legal merger or after legal split of Bluem.

21.2 Bluem is authorized to transfer (partially) the rights from the Agreement and / or the legal relationship (s) in which it stands to the Merchant or Partner with the related additional rights to a third party. By signing the Agreement, the Merchant grants permission for this in advance / the Merchant or Partner has granted permission for this in advance.

21.3 Wherever the word "Bluem" is mentioned in the General Terms and Conditions and in the Agreement, the successor (s) of Bluem must also be understood after a merger or division or transfer.

22. Partial invalidity and voidability

The invalidity or voidability of a provision in these Terms and Conditions or in the Agreement does not lead to the nullity or voidability of these Terms and Conditions or the Agreement, nor any other provision thereof.

23. Permits and exemptions / registration obligation

23.1 The Merchant, and Partner, must always have the permits, exemptions and exemptions that are necessary for (the exercise of) his profession or business. The Merchant must also be registered in the registers if this is necessary for the exercise of his profession or business. The Merchant is obliged to show this if Bluem so requests. Bluem can ask the Merchant or Partner for a statement from the institution that has granted the permit or exemption. If the Merchant or Partner cannot provide such a statement, the Merchant must demonstrate that he does not require a permit or exemption. Bluem determines how the Merchant can demonstrate this.

23.2 The Merchant or Partner may not act contrary to the conditions of a permit or exemption.

23.3 The Merchant or Partner must ensure that the permits and exemptions do not expire or are withdrawn. Whether this is likely to happen.

23.4 All this also applies to registrations and exemptions there from.

Privacy Statement

Bluem BV, located at Plotterweg 31, 3821 BB Amersfoort, NL, is responsible for the processing of personal data as shown in this privacy statement.

Personal data that we process

Bluem processes your personal data because you use our services and / or because you provide these to us yourself and / or because you receive our newsletters. Below you will find an overview of the personal data that we process for our external communication: company name, first name, last name, gender, position, email address and telephone number.

Special and / or sensitive personal data that we process

We do not collect sensitive personal data such as race, belief and the like. Our website and / or services are intended for companies and therefore we do not intend to collect data on individuals and website visitors who are younger than 16 years of age. However, we cannot check whether a website visitor is older than 16. If you are convinced that we have collected personal data about a minor without parental consent (email address via the optin newsletter), please contact us via info@bluem.nl and we will remove this information.

For what purpose and on what basis we process personal data

Bluem processes your personal data for the following purposes: providing information to customers, prospects and interested parties about FiNTECH news, product innovations, advertising brochures and offers. This includes the latest trends, tips and product innovations in the field of online payment, collection agents, e-invoicing, identification services and digital signing.

Automated decision making

Bluem does not take decisions on the basis of automated processing about matters that can have (significant) consequences for people. Bluem uses the Spotler email marketing system (www.spotler.nl) to send out its digital newsletters.

How long we keep personal data

Save personal data no longer than necessary. This means that we save your data until:

  • - Person unsubscribes for Bluem’s news via the unsubscribe form,
  • - Person is no longer working for the company,
  • - Company is no longer a customer of Bluem, or
  • - Person indicates otherwise that he does not want to receive information from Bluem.

Sharing of personal data with third parties

Bluem only provides to third parties and only if this is necessary for the implementation of our agreement with you or to comply with a legal obligation.

Cookies, or similar techniques, that we use

Bluem only uses a cookie for the registration popup for the newsletter on the website www.bluem.nl. Furthermore, we do not use cookies or similar technologies on our public website.

View, modify or delete data

You have the right to view, correct or delete your personal data. The newsletter that we send out periodically contains a link for "unsubscribe" and "change data". You always have access to your personal data via the last link and you can change it yourself online. In addition, you have the right to withdraw your consent for data processing or to object to the processing of your personal data by Bluem and you have the right to data transferability.

This means that you can submit a request to us to send the personal data that we hold about you in a computer file to you or another organization mentioned by you. You can send a request for access, correction, deletion, data transfer of your personal data or request for withdrawal of your consent or objection to the processing of your personal data to info@bluem.nl. To ensure that the request for inspection has been made by you, the request must come from the same email address that is registered with us. This is to protect your privacy. We will respond to your request as quickly as possible, but within two weeks.

Bluem would also like to point out that you have the possibility to file a complaint with the national data protection authority, the Dutch Data Protection Authority. You can do this via the following link: https://autoriteitpersoonsgegevens.nl/nl/contact-met-de-autoriteit-persoonsgegevens/tip-ons

How we protect personal data

Bluem takes the protection of your data seriously and takes appropriate measures to prevent abuse, loss, unauthorized access, unwanted disclosure and unauthorized changes. If you have the impression that your data is not properly secured or there are indications of abuse, please contact our customer service or via info@bluem.nl. Bluem has taken the following measures to protect your personal data:

  • - Security software, such as a virus scanner and firewall
  • - TLS (formerly SSL) We send your data via a secure internet connection. You can see this on the address bar 'https' and the padlock in the address bar.
  • - DKIM, SPF and DMARC are three internet standards that we use to prevent you from receiving emails on our behalf that contain viruses, are spam or are intended to obtain personal (login) data.
  • - DNSSEC is an additional security (supplementary to DNS) for converting a domain name (website) to the associated IP address (server name); it is provided with a digital signature. You can have that signature checked automatically. In this way we prevent you being redirected to a false IP address.

Contact details
https://www.bluem.nl
Plotterweg 31
3821 BB Amersfoort
Tel. +31 85 2220400
N.J. Kester is Bluem's data protection officer and can be reached via info@bluem.nl