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General Terms

Last updated: 31 August 2026

Introduction

By Potje Technologie B.V., registered with the Chamber of Commerce under number: 84112905. Address: Alexanderveld 5, 2585DB The Hague.

We request you to read the general terms and conditions carefully. The use of the Potje App and of the services offered by Potje via its mobile App is expressly conditional on your acceptance of these terms of service. By using this App, you acknowledge your agreement to these terms. When creating a pot, the Owner Quantoz Account also accepts the Quantoz Customer Terms, the terms and conditions of Quantoz Payments B.V. for the issuance and management of e-money. If you do not agree in whole or in part with these terms and conditions, you should not use the App.

From time to time we may automatically update the App and modify the Services to improve performance, enhance functionality, reflect changes to the operating system, change prices or address security issues. We may also ask you to update the App for these reasons.

If you choose not to install such updates or if you opt out of automatic updates, you may no longer be able to use the App and the Services. We will use reasonable efforts to ensure that the App continues to work with the current or a previous version of the operating system.

Definitions

In these General Terms and Conditions, the following definitions apply:

“Potje App (App)” is a service platform in the form of an Application for smartphones that helps groups to save money together.

“Quantoz” is Quantoz Payments B.V., an Electronic Money Institution established in the Netherlands that is supervised by De Nederlandsche Bank (DNB) and which handles financial transactions and the management of funds within the App through the issuance of e-money.

“Quantoz Account” is the personal e-money account provided by Quantoz to a Quantoz Account Owner, on which the balance of one or more pots is held.

“E-money” is electronic money issued by Quantoz upon receipt of funds and held in a Quantoz Account.

“OPP” is Online Payment Platform B.V., a payment service provider established in the Netherlands that holds a licence from De Nederlandsche Bank (DNB). OPP processes the corresponding financial transactions for Potje Technologie B.V. and manages the money in a foundation set up specifically for this purpose (Online Payments Foundation). OPP is exclusively applicable to existing pots as described under “Transitional arrangement for existing pots”.

“A pot” is a digital gathering place where individuals can contribute money individually or collectively for a purpose, which is produced by the “App” as a result of a digital money transfer by the Participant(s) to the Quantoz Account of the “Quantoz Account Owner”.

“Quantoz Account Owner” is a natural person who uses the “App” and the services offered therein with the aim of receiving money in his or her Quantoz Account and spending it for the described purpose. This person is referred to in the “App” as the money boss.

“Participant” is a natural person who uses the “App” and the services offered therein with the aim of contributing money towards “a pot”.

“User” is a natural person who uses the “App” and the services offered therein with the aim of contributing money towards “a pot”. The User is eighteen (18) years of age or older, or, if younger, has the consent of his or her parents or legal representative. This can be both a “Quantoz Account Owner” and a “Participant”.

Potje services

Pots are available via the Potje App, available in the Google Play Store (for Android) and in the App Store (for Apple devices). Our App makes it possible to transfer money digitally to support a goal, with social stimulation to simplify saving (in groups). With the Potje App, a User can open a pot after creating an account, add other Users to the pot, add financial tasks, and have these settled via Pay by Bank, iDEAL/Wero, Bancontact or other payment methods.

The Potje mobile App is a service platform. Potje is not a payment processor and Potje does not manage funds. Potje uses the services of Quantoz Payments B.V., an Electronic Money Institution based in the Netherlands that is supervised by De Nederlandsche Bank (DNB). Quantoz handles the associated financial transactions and issues e-money that is held in a Quantoz Account. Potje acts solely as the provider of the user interface; the payment service itself is provided directly between Quantoz and the User based on the terms and conditions of Quantoz.

The balance held in a Quantoz Account is a maximum of €30,000. A Quantoz Account Owner can receive a maximum of €1,000 per incoming transaction. In addition, monthly limits apply to the deposit and withdrawal of funds, resulting from the verification level assigned by Quantoz, as described under "Identification steps".

Transitional arrangement for existing pots

As of 31 August 2026, Potje has transitioned to the infrastructure of Quantoz. However, money pots created before that date may still operate on the infrastructure of OPP (Online Payment Platform B.V.). For these existing pots, OPP provides the payment service and the management of the funds instead of Quantoz.

For these existing pots, Potje uses the services of Online Payment Platform B.V. This organisation is licensed as a payment service provider by De Nederlandsche Bank (DNB). OPP processes the financial transactions associated with these pots for Potje Technologie B.V. and manages the money in a separately established foundation (Online Payments Foundation).

Existing pots at OPP will remain active for a maximum of one year, calculated from 30 August 2026, and therefore until 30 August 2027 at the latest. After this period, these pots will be terminated and any remaining balance will be paid out to the respective User. Potje may migrate existing pots to the infrastructure of Quantoz during this period.

Insofar as a pot is held with OPP, the provisions of these General Terms and Conditions relating to Quantoz, the Quantoz Account, the balance held therein and the issuance of e-money, shall apply mutatis mutandis to OPP and the funds held by OPP as much as possible, on the understanding that OPP acts as a licensed payment service provider and does not issue e-money itself. In addition, OPP's terms and conditions apply to OPP's payment service. For new pots created on or after 31 August 2026, only the services through Quantoz shall apply.

As of 31 August 2026, Potje has transitioned to the infrastructure of Quantoz. However, pots created before that date may still run on the infrastructure of OPP (Online Payment Platform B.V.). For these existing pots, OPP provides the payment service and the management of the funds instead of Quantoz.

Existing pots with OPP will remain active for a maximum of one year, calculated from 30 August 2026, and therefore until 30 August 2027 at the latest. At the end of this period, these pots will be terminated and any remaining balance will be paid out to the respective User. Potje may migrate existing pots to the Quantoz infrastructure during this period.

Insofar as a pot is held with OPP, the provisions of these General Terms and Conditions relating to Quantoz, the Quantoz Account, the balance held thereon and the issuance of e-money shall apply mutatis mutandis as much as possible to OPP and the funds held by OPP, on the understanding that OPP acts as a licensed payment service provider and does not issue e-money itself. In addition, the terms and conditions of OPP apply to the payment service of OPP. For new pots created on or after 31 August 2026, only the services via Quantoz apply.

Prohibited use

The use of Potje for fraud, money laundering, or for the trade or exchange of illegal products/services, for drugs or weapons, for products/services that promote hatred, violence, terrorism, harassment, or abuse, for gambling services or adult entertainment products/services is strictly prohibited.

It is also prohibited to use Potje for business or commercial purposes if you have registered as a personal user. If you wish to use Potje for business, please first contact us at info@potje.tech.

Potje Technologie B.V. reserves the right to cancel suspicious transactions, to delete all personal accounts associated with such transactions, and to inform the competent authorities of the suspicion of prohibited use, disclosing all related information. In addition, Quantoz, as the issuer of e-money, independently monitors money laundering and terrorist financing (AML/CFT). Quantoz may, independently of Potje, freeze a Quantoz Account, refuse transactions, or terminate the relationship with a User if it suspects money laundering, fraud, or other prohibited use, or if it cannot comply with its legal obligations regarding the User in question.

The User indemnifies Potje and Quantoz against all claims from third parties and all damages, costs, and fines arising from or related to prohibited or unlawful use of the App or the payment service by the User, or from non-compliance with these General Terms and Conditions.

The use of Potje for fraud, money laundering, or for the trade or exchange of illegal products/services, for drugs or weapons, for products/services that promote hate, violence, terrorism, harassment or abuse, for gambling services or adult entertainment products/services is strictly prohibited.

It is also prohibited to use Potje for business or commercial purposes if you have registered as a personal user. If you wish to use Potje for business purposes, please first contact us at info@potje.tech.

Potje Technologie B.V. reserves the right to cancel suspicious transactions, to delete all personal accounts associated with such transactions, and to inform the competent authorities of suspected prohibited use, disclosing all related information. In addition, Quantoz, as an issuer of e-money, independently monitors money laundering and terrorist financing (AML/CFT). Quantoz may, independently of Potje, freeze a Quantoz Account, refuse transactions, or terminate the relationship with a User if it suspects money laundering, fraud, or other prohibited use, or if it cannot comply with its legal obligations regarding the User concerned.

The User indemnifies Potje and Quantoz against all third-party claims and all damages, costs, and fines arising from or related to prohibited or unlawful use of the App or the payment service by the User, or from failure to comply with these Terms and Conditions.

Identification steps

We strive for a smooth User Experience, but to secure your financial transactions and comply with legislation, identity verification steps carried out by Quantoz are required. The terms and conditions of Quantoz apply to this.

When creating a money pot, the Quantoz Account Owner enters into a direct agreement with Quantoz based on the Quantoz Customer Terms (Quantoz's terms and conditions for e-money, which can be consulted via www.quantoz.com) and thereby accepts them. The payment service and the management of the e-money are provided directly by Quantoz to the Quantoz Account Owner; Potje is not a party to this.

Before a Quantoz Account Owner can receive money in a Quantoz Account, the Quantoz Account Owner must undergo identity verification (KYC) with Quantoz. Every money boss is verified at TIER2 level. Based on this level, the limits set by Quantoz for monthly deposits and withdrawals of funds apply. Quantoz may request additional information or verification if it deems this necessary.

These identification steps are only required once per Quantoz Account Owner.

Service fees

We calculate the costs per month per pot. The costs are deducted from the total amount, so every Participant of the pot has contributed.

Prices per pot (including VAT)

A pot costs €5.00 per month.

An interim withdrawal from the pot is free of charge.

The User is solely responsible for all costs charged by third parties for accessing or using the App (such as telephone, SMS or data costs charged by the mobile provider).

By creating a pot and using the service immediately, the Quantoz Account Owner agrees that Potje will immediately commence delivery of the service and acknowledges that the statutory right of withdrawal for distance contracts thereby expires once the service has been fully delivered. This does not affect the mutual payments between Users; these are not subject to the right of withdrawal.

Property

The copyright and ownership of the App, including individual images, graphic material, logos, text and layout, as well as the composition of the content placed in the App belong to Potje or third parties affiliated with Potje. The names of other companies and products mentioned in the App are the trademarks of their respective owners.

Under the conditions set out in these General Terms and Conditions, Potje grants the User a limited, personal, immediately revocable, non-exclusive, non-sublicensable, non-transferable right to use the App in accordance with the agreed purpose, i.e. using the App to be able to use Potje. It is not permitted to remove, make illegible, hide or alter any notices or references regarding intellectual property rights.

Nothing in these General Terms and Conditions is intended to transfer any intellectual property rights to the User. The User shall not perform any acts that may infringe the intellectual property rights of Potje, such as registering domain names, trade names, trademarks or logos that are similar or identical to any object to which Potje has intellectual property rights. The User may not modify, copy, distribute, transfer, display, publish, sell or license the App or any information or software associated with the App.

It is also not permitted to retrieve or reuse substantial parts of the App without the written permission of Potje, or to repeatedly and systematically retrieve or reuse non-substantial parts of the App as referred to in the Dutch Databases Act (Databankenwet).

The copyright and ownership of the App, including individual images, graphic material, logos, text and layout, as well as the composition of the content posted in the App, belong to Potje or third parties affiliated with Potje. The names of other companies and products mentioned in the App are the trademarks of their respective owners.

Nothing in these General Terms and Conditions is intended to transfer any intellectual property rights to the User. The User shall not perform any acts that may infringe the intellectual property rights of Potje, such as registering domain names, trade names, trademarks or logos that are similar or identical to any object on which Potje has intellectual property rights. The User may not modify, copy, distribute, transfer, display, publish, sell or license the App or any information or software related to the App.

Furthermore, it is not permitted to retrieve or reuse substantial parts of the App without the written permission of Potje, or to repeatedly and systematically retrieve or reuse non-substantial parts of the App as referred to in the Dutch Databases Act (Databankenwet).

Data usage

All data of Users, both the data that the User enters themselves and the data arising from the use of the App, will always be treated in accordance with Potje's Privacy Statement.

For the provision of the payment service, Potje only provides the name and email address of the User to Quantoz. Other data required for identification, including identification data, is collected by Quantoz itself during the KYC procedure. Potje and Quantoz act in this regard as independent data controllers within the meaning of the GDPR; neither party processes personal data as a processor on behalf of the other. Quantoz processes this data for, among other things, customer onboarding, KYC/AML screening, account management and providing the payment service, and for complying with its legal obligations, including those under the Financial Supervision Act (Wft), the Prevention of Money Laundering and Financing of Terrorism Act (Wwft) and Regulation (EU) 2023/1114 (MiCA). The privacy conditions of Quantoz apply to this processing.

Liability

Each Quantoz Account Owner is responsible for ensuring that the financial tasks are correctly distributed. However, the User has the responsibility to check this and point out any errors to the Quantoz Account Owner. The User downloads and uses the App at their own expense and risk, and is personally liable for any damage to the mobile device or loss of data resulting from downloading or using the App.

Potje is not liable for damage resulting from the use of software on the mobile device that has not been officially approved by the manufacturer of the mobile device's operating system. The App is provided without any warranty or guarantee of any kind regarding the functionality of the App and the accuracy of the information displayed in the App.

When a Participant contributes money to a pot, this is transferred to the Quantoz Account of the Quantoz Account Owner. The spending and management of this money are the responsibility of the Quantoz Account Owner. Potje is not a party to the mutual relationship between Users and is not liable for the manner in which the money is managed or spent by the Quantoz Account Owner.

The payment service, the management of funds and the issuance of e-money are provided by Quantoz. Potje is not liable for any damage resulting from acts, omissions, delay, suspension or failure of Quantoz or its payment service, nor for decisions of Quantoz to freeze, restrict or terminate a Quantoz Account. The terms and conditions and the liability regulations of Quantoz apply to the payment service.

Except in the case of intent and deliberate recklessness by the management of Potje, Potje is never liable for indirect damage as a result of attributable shortcomings or defects affecting the App, nor for indirect damage from any other cause, such as tort.

Potje accepts no liability for property damage, financial loss or any other disadvantage related to the use or misuse of Potje, to the extent permitted by mandatory law. In any case, Potje is never liable for consequential damage, including pure financial loss, lost turnover and profit, loss of data and non-material damage, related to or arising from Potje. The only action you can take if you believe you have suffered damage is to cease using Potje and delete your account.

To the extent that Potje would be liable despite the above, our liability is limited to direct damage up to an amount of EUR 1,000 (one thousand euros), which limitation of liability does not apply in case of intent and/or deliberate recklessness on our part.

Each Quantoz Account Owner is responsible for ensuring that financial tasks are properly distributed. However, the User has the responsibility to check this and point out any errors to the Quantoz Account Owner. The User downloads and uses the App at their own expense and risk, and is personally liable for any damage to the mobile device or loss of data resulting from downloading or using the App.

Potje is not liable for damage resulting from the use of software on the mobile device that is not officially approved by the manufacturer of the mobile device's operating system. The App is provided without any warranty or guarantee of any kind regarding the functionality of the App and the accuracy of the information displayed in the App.

When a Participant contributes money to a pot, this is transferred to the Quantoz Account of the Quantoz Account Owner. The spending and management of this money are the responsibility of the Quantoz Account Owner. Potje is not a party to the relationship between Users and is not liable for the way in which the money is managed or spent by the Quantoz Account Owner.

The payment service, fund management and issuance of e-money are provided by Quantoz. Potje is not liable for any damage resulting from acts, omissions, delays, suspension or failure of Quantoz or its payment service, nor for decisions of Quantoz to freeze, restrict or terminate a Quantoz Account. The terms and conditions and the liability regulations of Quantoz apply to the payment service.

Except in the case of intent and deliberate recklessness on the part of Potje's management, Potje is never liable for indirect damage as a result of attributable shortcomings or defects affecting the App, nor for indirect damage on any other grounds, such as tort.

To the extent that Potje would be liable despite the above, our liability is limited to direct damage up to an amount of EUR 1,000 (one thousand euros), which limitation of liability does not apply in the event of intent and/or deliberate recklessness on our part.

Complaints

If you have a complaint about the App or the services provided by Potje, you can submit it via info@potje.tech. We aim to handle your complaint as quickly as possible. Complaints relating to the payment service, the Quantoz Account or the management of funds can also be submitted to Quantoz via info@quantoz.com. Complaints about the payment service received by Potje will be forwarded by Potje to Quantoz for handling.

Force majeure

Potje is not obliged to fulfil any obligation if it is prevented from doing so as a result of force majeure. Force majeure in any case includes: disruptions or failure of the internet, telecommunication infrastructure or the App, power outages, cyber attacks, government measures, as well as shortcomings, disruptions or failures on the part of Quantoz or other third parties engaged by Potje. During the period of force majeure, Potje's obligations will be suspended.

Termination

The User has the right to cease using the App and to terminate/delete their profile at any time. This can be done by leaving all participated pots and deleting the account. If there is still an e-money balance on the Quantoz Account, this must first be paid out (redeemed) to the User before the account can be closed. The termination of the profile does not affect transactions that have already been completed before the time of termination.

In the event of a breach of any of the obligations and restrictions as set out in these Terms and Conditions and upon deactivation or deletion of the App from your mobile device, all rights granted to you in relation to the App shall immediately cease. Potje has the right to terminate the agreement for the use of the App at any time, without Potje being liable to pay any damages. In addition, as the issuer of e-money and pursuant to the Quantoz Customer Terms, Quantoz may independently terminate, suspend or restrict a Quantoz Account. All amounts owed by the User to Potje are always immediately due and payable.

The User has the right to cease using the App and to terminate/delete their profile at any time. This can be done by leaving all participated pots and deleting the account. If there is still an e-money balance on the Quantoz Account, this must first be paid out (redemption) to the User before the account can be closed. The termination of the profile does not affect transactions that have already been concluded before the moment of termination.

In the event of a breach of any of the obligations and restrictions as indicated in these Terms and Conditions and upon deactivation or deletion of the App from your mobile device, all rights granted to you with respect to the App shall immediately lapse. Potje has the right to terminate the agreement for the use of the App at any time, without Potje being obliged to compensate any damages. In addition, as the issuer of e-money and pursuant to the Quantoz Customer Terms, Quantoz can independently terminate, suspend, or restrict a Quantoz Account. All amounts owed by the User to Potje are always immediately due and payable.

Other

All disputes arising out of and/or in connection with these General Terms and Conditions shall be submitted to the competent court in The Hague, unless mandatory law designates another competent court. Within 30 days after Potje intends to submit a dispute to the aforementioned court and this has been made known to the User, the User may object thereto, in which case the statutory rules of competence shall be followed.

These General Terms and Conditions have been drawn up in Dutch and in English. In the event of any conflict between the two versions, the Dutch version shall prevail.

If any provision of these General Terms and Conditions turns out to be void or voidable, or for any other reason becomes wholly or partially invalid, the remaining provisions of the General Terms and Conditions shall remain in full force and effect. Potje shall replace the invalid clause with a clause that is valid and the legal effects of which, given the content and purpose of these General Terms and Conditions, correspond as much as possible to those of the invalid clause.

Potje may transfer all claims, powers, rights, obligations and actions related to the General Terms and Conditions. Potje may (undisclosedly) pledge all claims, powers, rights, obligations and actions related to the General Terms and Conditions to third parties and shall inform the user thereof. The User hereby declares in advance to cooperate with such a transfer or pledge (if and insofar as necessary) and that such third party, in the event of such a transfer, will be able to exercise all rights against the User.

All disputes arising from and/or relating to these General Terms and Conditions shall be submitted to the competent court in The Hague, unless mandatory law designates another competent court. Within 30 days after Potje intends to submit a dispute to the aforementioned court and has made this known to the User, the User may object to this, in which case the legal rules of jurisdiction shall be followed.

These General Terms and Conditions have been drawn up in Dutch and in English. In the event of any conflict between the two versions, the Dutch version shall prevail.

If any provision of these General Terms and Conditions proves to be void or voidable, or for any other reason becomes or is wholly or partially invalid, the remaining provisions of the General Terms and Conditions shall remain in full force and effect. Potje will replace the invalid clause with a clause that is valid and whose legal consequences, in view of the content and purpose of these General Terms and Conditions, correspond as much as possible to those of the invalid clause.

Potje may transfer all claims, powers, rights, obligations and actions associated with the General Terms and Conditions. Potje may pledge (undisclosed) all claims, powers, rights, obligations and actions associated with the General Terms and Conditions to third parties and will inform the user thereof. The User already declares now for then to cooperate with such a transfer or pledge (if and in so far as necessary) and that this third party, in the event of such a transfer, will be able to exercise all rights against the User.

Contact details

Potje Technologie B.V.

Alexanderveld 5, 2585DB The Hague.

Chamber of Commerce number 84112905

VAT number: NL863101069B01

Website: www.potje.tech

Email: info@potje.tech

Create a savings pot together with your friends, family, or colleagues. Initiative supported by Kredietbank Nederland.

Company

About us

Prevention

Blog

Contact

Information

Privacy Statement

General Terms

Create a savings pot together with your friends, family, or colleagues. Initiative supported by Kredietbank Nederland.

Company

About us

Prevention

Blog

Contact

Information

Privacy Statement

General Terms

Create a savings pot together with your friends, family, or colleagues. Initiative supported by Kredietbank Nederland.

Company

About us

Prevention

Blog

Contact

Information

Privacy Statement

General Terms

Create a savings pot together with your friends, family, or colleagues. Initiative supported by Kredietbank Nederland.

Company

About us

Prevention

Blog

Contact

Information

Privacy Statement

General Terms