Payment Terms

Payment and Billing Conditions

Last updated: December 2025

1. General

1.1 Scope of Application

The Terms of Use of Cair govern the use of the Cair platform separately, and these payment terms are to be regarded as supplementary to the Terms of Use.

1.2 Scope

On the Cair platform, users can book the services of caregivers and pay through the platform, whereby the data-processing party is the service provided by Stripe Connect. The payment services available on the platform may include the following:

• Collection of payments from care seekers for the booking of caregiving services (“deposit,” “payment”)
• Payments to caregivers (“payout”) to a financial instrument provided by the user
• Collection and payment of charitable donations
• Debt collection services and
• Other payment-related services in connection with caregiving services.

1.3 Requirements

To use the payment services, a Cair user account must exist and must have accepted the Cair Terms of Use. All necessary personal and payment data must be provided.

Information on the accepted payment methods is provided during the booking process.

Some payment methods may only be available under additional conditions or fees. In such cases, you will find the relevant information in the respective section of the service.

1.4 Processing

All payments are processed via Stripe as a third-party provider. Therefore, Cair does not collect any payment information—such as credit card data—and only receives a notification once a payment has been successfully completed.

If a payment fails using the available methods or is declined by the payment service provider, the provider or caregiver is not obliged to perform the service. The user will be granted a 7-day grace period for subsequent payment. If payment is not made within this period, the provider reserves the right to terminate the contract and charge the user for any costs already incurred (e.g., transaction fees, reminder fees). The amount of these costs depends on the actual expenses incurred.

1.5 Fees

Registration and use of the platform are free of charge. Any applicable fees are displayed to caregivers before they publish a listing or accept a booking. CAIR charges a service fee of 15% including VAT on the caregiving service when an agreement is concluded. Unless otherwise stated on the CAIR platform, service fees are non-refundable. CAIR reserves the right to charge caregivers and clients fees (including applicable taxes) for using the CAIR platform.

2. Payment Provider Stripe

When using the Cair platform, all payment transactions are handled through the external payment service provider Stripe Payments Europe, Limited (SPEL), 1 Grand Canal Street Lower, Grand Canal Dock, Dublin, D02 H210, Ireland, hereinafter referred to as “Stripe.” Please note that all financial transactions, including deposits and payouts, are managed and processed by Stripe. Cair merely acts as an intermediary to facilitate payment processing between users and Stripe.

Payment processing services for caregivers and care seekers on the Cair platform are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively the “Stripe Framework Agreement”). By agreeing to these payment terms or continuing to use the Cair platform actively, you accept the Stripe Framework Agreement, which may be amended by Stripe from time to time. As a condition for Cair to enable the use of payment processing services through Stripe, you agree to provide Cair with accurate and complete information about yourself and your business. You also authorize Cair to share information and transaction data related to the use of the payment processing services provided by Stripe.

Please understand that Cair assumes no responsibility or liability for payment processing, the security of financial information, or the services of Stripe. If you have questions or issues related to payments, please contact Stripe's customer support directly.

Cair is not liable for damages resulting from payment processing by Stripe unless such damages were caused by intentional or grossly negligent behavior of Cair. Mandatory statutory liability, in particular under the provisions of the Product Liability Act, remains unaffected. By using the Cair platform, you agree that Cair assumes no responsibility for payments, deposits, payouts, or financial matters and that any liability in this context is excluded.

Cair enables the payment process via Stripe. This option aligns with the legitimate interest of offering an efficient and secure payment method (Art. 6(1)(f) GDPR). The following data is transmitted to Stripe insofar as it is necessary for fulfilling the contract (Art. 6(1)(b) GDPR):

• Cookies
• Usage data
• First name
• Last name
• Email address
• Billing address
• Payment information
• Purchase history

Conditions for Care Seekers

Process: Before submitting a booking request, valid payment information must be provided. Only after successful submission of this information can the booking request be processed.

Processing: Payment processing is carried out by the external service provider Stripe. Stripe then transmits the payment status to Cair. Only after Stripe’s confirmation can the booking proceed.

Time of Payment: Payment is charged to the recipient before the service begins. A maximum of the amount due for one month will be charged.

Currency: Payments are accepted in euros as the standard currency.

Cancellations: A booking request can be canceled without further costs before it has been accepted by the caregiver. Short-notice cancellations may incur cancellation fees. The cancellation conditions are regulated in the Terms of Use.

3. Payment Methods

3.1 SEPA Direct Debit Mandate

By agreeing to the Terms of Use and setting up and granting a SEPA direct debit mandate, Cair is authorized to collect the applicable fees and charges for the caregiving services used via SEPA direct debit from the specified account. This direct debit mandate applies exclusively to Cair, whereby Cair reserves the right to adjust the mandate to the caregiver providing the service.

1. Payment Terms

   The amounts due will be collected regularly from the specified bank account as agreed. The amount and frequency of the collection depend on the booking made. Cair may adjust the mandate accordingly if changes occur regarding the caregiver.

2. Returned Direct Debits and Fees

   If direct debits are returned due to insufficient funds or incorrect bank details, Cair reserves the right to charge any return debit fees as well as additional processing fees. In such cases, the user account may also be suspended until outstanding amounts are paid.

3. Revocation of the Direct Debit Mandate

   The SEPA direct debit mandate may be revoked at any time in writing. The revocation becomes effective once it has been processed and terminates only the mandate, not the underlying contract or existing payment obligations. Outstanding amounts must be settled through alternative payment methods.

   Termination of the mandate does not affect the existing contractual relationship. If direct debits are returned due to revocation or other reasons such as insufficient funds, incurred fees and outstanding amounts may be charged.

   Revocations must be submitted in writing to info(at)cair-app.com.

4. Data Processing

   Bank details are used exclusively for processing SEPA direct debits and stored and processed in accordance with applicable data protection regulations. Cair does not store customer bank details on its own servers. More information on data processing can be found in the Privacy Policy. All existing SEPA mandates can be viewed upon request.

3.2 Credit Card Payment

By agreeing to the Terms of Use and submitting credit card details, Cair is authorized to automatically charge the applicable fees and charges for caregiving services from the stored credit card. This debit mandate applies exclusively to Cair, whereby Cair reserves the right to adjust the charges to the caregiver providing the service.

1. Payment Terms

   The amounts due will be charged regularly from the stored credit card as agreed. The amount and frequency of the charges depend on the booking made. Cair may adjust the mandate accordingly if changes occur regarding the caregiver. Such adjustments will be communicated in advance.

2. Declined Payments and Fees

   If a charge is declined due to insufficient credit availability, card restrictions, or incorrect details, Cair reserves the right to charge any processing fees and costs. In such cases, the user account may also be suspended until outstanding amounts are paid.

3. Revocation of the Credit Card Debit Mandate

   The credit card debit mandate may be revoked at any time through written notice. The revocation becomes effective once it has been received and processed by Cair. Note that termination of the debit mandate does not automatically terminate the contract with Cair. Any contractually due payments remain unaffected and must be settled using alternative payment methods.

   Revocations must be submitted in writing to info(at)cair-app.com.

4. Data Processing

   Credit card data is used exclusively for payment processing and stored and processed in accordance with applicable data protection regulations. Cair does not store customer credit card data on its own servers. More information on data processing can be found in the Privacy Policy.

4. Conditions for Caregivers

Process: Cair creates a Connected Account with the payment provider Stripe on behalf of the caregiver. Stripe enables caregivers to receive payments from care seekers, manage them, and allocate them to their respective Connected Account. By creating a caregiver profile and submitting the required documents to Cair, the caregiver also accepts the Stripe terms of use. The Stripe Connected Account Terms can be accessed here.

Processing: Payment processing is carried out by the external service provider Stripe. Stripe then transmits the payment status to Cair. Only after Stripe’s confirmation can the booking proceed.

Payout: At the end of the month, the available balance of the Connected Account is paid out to the stored bank account, provided the account has not been suspended due to irregularities and has been released after review.

Currency: Payouts are made in euros as the standard currency.

5. Term

This contract between the user, Cair, and Stripe, as reflected in these payment terms, enters into force as soon as a Cair user account is created or the payment services are used and remains in effect until terminated by the user or Cair.

6. Chargebacks and Cancellations

In the event of a chargeback or cancellation of a payment transaction, processing will occur in accordance with Stripe’s chargeback policies. Cair reserves the right to take further action to collect outstanding payment amounts and cover incurred costs. Reversal of a transaction may take 5 to 7 business days.

If a payment is declined due to insufficient funds, incorrect information, or other reasons attributable to the user, Cair is entitled to claim the actual costs incurred (e.g., return debit fees of the payment service provider) as well as a reasonable processing fee.

The user is entitled to prove that Cair incurred significantly lower or no damages.

7. Liability

Cair is only liable for damages arising from the transmission of incorrect or incomplete payment data if such damages were caused by intentional or grossly negligent behavior of Cair. The user is responsible for ensuring that the payment information they provide is complete and correct.

Cair is not liable for payment delays or failures caused by technical disruptions at Stripe. Cair also assumes no liability for damages caused by the user providing incorrect account details.

Otherwise, Cair is liable for damages only in accordance with statutory provisions. Liability for simple negligence exists only in cases where essential contractual obligations (cardinal obligations) are violated—i.e., obligations whose fulfillment enables the proper use of the platform and on whose compliance the user may regularly rely. In such cases, liability is limited to foreseeable damages typical for this type of contract.

Further liability for simple negligence is excluded. The above limitations do not apply in cases of injury to life, body, or health, nor in cases of intent or gross negligence. Claims under the Product Liability Act remain unaffected.

8. Security

The security of the user's payment information is a top priority for Cair and Stripe. We use advanced encryption technologies and security protocols to protect data during transmission and storage. Users are responsible for keeping their login credentials secure and not sharing them with third parties. In the event of a security incident, users will be informed immediately, and necessary measures will be taken to protect their data.

9. Complaints

In case of discrepancies or errors in payment transactions, Cair should be contacted immediately via the app or by email at info(@)cair-app.com. We aim to respond to all inquiries within 3–5 business days and resolve the issue as quickly as possible.

10. Changes to the Payment Terms

Cair reserves the right to modify or update these payment terms at any time. Any changes will be published on our website and will take effect upon publication.

By using Cair’s products and services, the user agrees to these payment terms. If you have any questions or concerns, please contact us at info(at)cair-app.com.

11. Applicable Law

These payment terms are subject to the overarching Terms of Use, which govern the applicable law and jurisdiction. In disputes relating to Stripe’s Terms of Use, the applicable law and jurisdiction set forth therein apply.