ARTICLE 1. DEFINITIONS

1.1. Iris ter Haar: the sole proprietorship Iris ter Haar, established in Särna (Sweden) and registered with Skatteverket Sweden under number: 900422-0928.

1.2. The customer: the natural person or legal entity that has entered into an agreement with Iris ter Haar.

1.3. The term 'General Terms and Conditions' means: all provisions as set out below.

1.4. Services and products: all services that Iris ter Haar performs for the client and products that Iris ter Haar supplies to the client. This includes, but is not limited to:
 the sale of embroidery kits, digital embroidery patterns and all other embroidery supplies and materials through an online store. 

1.5. Agreement: the agreement between Iris ter Haar and the customer under which Iris ter Haar will perform the service.

1.6. Information: all data originating from the customer.

1.7. Private customer: a natural person who is not acting in the name of his profession or company.

1.8. In writing: by letter, email and digital notification.

1.9. Confidential Information: all financial, business, and personal information entered, processed, and stored by the client and/or Iris ter Haar.

1.10. Website: www.irisborduurt.nl .

ARTICLE 2. APPLICABILITY

2.1. These general terms and conditions apply to all offers, orders, quotations, distance contracts concluded between Iris ter Haar and the customer, services performed, products delivered, and other actions performed by Iris ter Haar, unless otherwise agreed in writing.

2.2. By signing an agreement or order confirmation, placing an order through the Iris ter Haar website, or submitting an agreement via email, the customer declares that they have read these general terms and conditions of Iris ter Haar and that they agree to them.

2.3. In the event of a conflict between these terms and conditions and any agreements made in an agreement, the provisions of the agreement shall prevail.

2.4. These terms and conditions also apply to the actions of third parties and/or suppliers hired by Iris ter Haar regarding the execution of the delivery or service.

2.5. The applicability of the customer's general terms and conditions is rejected by using these general terms and conditions.

ARTICLE 3. QUOTATIONS AND OFFERS

3.1. Iris ter Haar's quotes and offers are valid for the period specified in the offer or on the website. If no period is specified, the offer is valid for 14 days after the date it was issued. If the customer does not accept an offer or quote within the applicable period, the offer or quote expires. As long as the customer has not accepted the quote within the specified period, Iris ter Haar is entitled to withdraw the offer. The offer is also subject to stock availability.

3.2. Iris ter Haar will indicate in the offer which services are offered and what amounts the customer owes upon acceptance of the offer. The prices stated in the offer are valid for the period specified in the offer, unless expressly agreed otherwise in writing.

Once the customer has accepted the offer, a payment obligation arises.

3.3. If it turns out that the information provided by the customer in the application or agreement was incorrect, Iris ter Haar has the right to adjust the relevant prices and other conditions.
 3.4 Iris ter Haar reserves the right to invoice a 50% deposit before Iris ter Haar will carry out the order or order the products for the customer.

3.5. All prices communicated by Iris ter Haar are in euros, including VAT for private individuals, excluding shipping costs and other established levies and/or fees, unless expressly stated otherwise.

3.6. Offers do not automatically apply to subsequent orders.

3.7. Iris ter Haar reserves the right to change prices at any time. If the prices of services offered or suppliers hired by Iris ter Haar change or increase after the agreement has been concluded, the customer is not entitled to cancel the agreement.
 3.8. Iris ter Haar is not liable and/or responsible for errors in the offer if the customer could reasonably understand that the offer, or a part thereof, contains an obvious mistake, error, or typographical error.

3.9. Agreements regarding deadlines and/or delivery times are agreed upon in writing in the quotation. If delivery by Iris ter Haar depends on third parties, Iris ter Haar is never liable for delays during the execution of the order. In such cases, Iris ter Haar is entitled to unilaterally postpone the deadline.

3.10. If changes occur with regard to the circumstances on which Iris ter Haar based its decision when issuing the offer, the order, or any other agreement, Iris ter Haar is authorized to implement these changes in the execution of the agreement or to adjust the prices.

ARTICLE 4. OFFER, AGREEMENT AND ADDITIONAL WORK

4.1. The offer and the agreement are concluded from the moment the customer communicates acceptance of the offer to Iris ter Haar by email or places an order through the webshop. The offer includes a description of the products and/or services. Errors or mistakes in the offer (in images) are not binding on Iris ter Haar.

4.2. After an agreement has been reached, it can only be changed with mutual consent.

4.3. After an agreement has been reached, either in writing or by email, Iris ter Haar will commence the performance of the services within a reasonable time. If the customer has accepted the offer electronically, Iris ter Haar will immediately confirm receipt of acceptance of the offer electronically.

4.4. Amendments to the original agreement between the customer and Iris ter Haar are only valid from the moment these amendments are accepted by both parties by means of a supplementary or amended written agreement.

4.6. If the client wishes to terminate an agreement with Iris ter Haar, they are only entitled to do so if Iris ter Haar reimburses them for the work performed up to that point, with a minimum of 30%, and fully reimburses any costs already incurred through the purchase of any products. If the client wishes to cancel the agreement before the order begins, the business client is obligated to pay a fee of 50% of the fee agreed upon in the order confirmation.

4.7. If, due to circumstances unknown at the time of the offer or order confirmation, Iris ter Haar is required to perform more work than agreed upon in the offer or order confirmation, Iris ter Haar is entitled to charge the resulting additional costs to the client. If the client objects to the additional costs that Iris ter Haar wishes to charge, the client has the right to cancel the portion of the order not yet completed due to the additional work, in which case the client is obligated to compensate Iris ter Haar for the work performed to date. The compensation is always at least 30% of the agreed quotation amount.

ARTICLE 5. RIGHTS AND OBLIGATIONS OF IRIS TER HAAR

5.1. Iris ter Haar guarantees that the assignment given to her will be carried out to the best of her ability, with due care and professionalism.

5.2. Iris ter Haar endeavors to secure the data that Iris ter Haar stores for the customer in such a way that this data is not accessible to unauthorized persons.

5.3. In the event of complaints from the customer regarding the services and/or products delivered, Iris ter Haar must consult with the customer to find a mutually agreeable solution.

5.4. Iris ter Haar is entitled to publish customer information for promotional purposes on the Iris ter Haar website and/or other promotional materials from Iris ter Haar.

5.5. Iris ter Haar is obligated to maintain confidentiality of all confidential information obtained during the collaboration or from other sources within the framework of the agreement between the client and Iris ter Haar. Information is considered confidential when the other party has communicated this or when this is evident from the standards of reasonableness and fairness.

ARTICLE 6. RIGHTS AND OBLIGATIONS OF THE CUSTOMER, RIGHT OF WITHDRAWAL

6.1. The customer must, in principle, adhere to the provisions laid down in these terms and conditions, unless otherwise agreed.

6.2. The customer must provide Iris ter Haar with all correct information that the customer can reasonably foresee as necessary for the proper performance of the agreement. In any case, the customer is obligated to immediately inform Iris ter Haar of any changes to personal data, company information, or other information requested by Iris ter Haar.

6.3. If, by way of exception to Article 6.2, the data required for the performance of the agreement are not provided to Iris ter Haar in a timely manner, Iris ter Haar has the right to suspend the performance of the agreement and/or charge the customer for the additional costs resulting from the delay.

6.4. The customer must always inform Iris ter Haar in writing without delay of any changes in name, address, email address, and, if requested, bank account number.
 6.5. The customer must make backup copies of all materials/data as described in Article 6.2 that Iris ter Haar needs for the execution of the agreement. In the event of loss of these materials/data, Iris ter Haar is not liable for any resulting damages.

6.6. When Iris ter Haar provides login information to the customer, the customer is responsible for this information. Iris ter Haar is not liable for misuse or loss of login information and may assume that the customer is the one logging in using the login information provided to the customer.

6.7. In the event of complaints about the services provided by Iris ter Haar, the customer must notify Iris ter Haar of these complaints within 8 days of discovering the defect in the case of delivered products, but no later than 60 days after receipt of the delivered products. The customer indemnifies Iris ter Haar against all legal claims arising from the services provided for one year after delivery.

6.8. A private customer may cancel an agreement relating to the purchase of a standard product within 14 days without giving any reason. Iris ter Haar may ask for the reason for cancellation, but may not oblige the customer to provide it.

6.9. The cooling-off period referred to in Article 6.8 commences on the day after the customer receives the product. During the cooling-off period, the customer will handle the product and its packaging with care. The customer may only inspect and use the product as they would in a store.

6.10. If the customer exercises their right of withdrawal, they must notify Iris ter Haar within the cooling-off period. The customer must then return the product to Iris ter Haar as soon as possible. The customer bears the risk and costs of returning the product.

6.11. If the customer exercises the right of withdrawal, all additional agreements will be automatically terminated.

6.12. The risk and burden of proof for the correct and timely exercise of the right of withdrawal lie with the customer. Unpaid returns will not be accepted.

6.13. Iris ter Haar may exclude products from the right of withdrawal. This will be indicated to the customer in the offer and again in good time before concluding the agreement. Products eligible for exclusion are:

  • products that have been personalized/custom-made for the customer.

6.14. If the customer receives a damaged package upon delivery, they must take photos of the damaged package and leave it unsealed. The customer must then contact Iris ter Haar within 5 days of receiving the package containing the delivered products. If the customer opens the damaged package or contacts Iris ter Haar too late, they will no longer be able to claim any warranties.

6.15. It is not possible to exchange or return purchased digital products, including digital embroidery patterns. By ordering and paying for the digital products, the customer gains access to their purchase. The customer expressly agrees that they thereby waive their right to exercise their cooling-off period and the right to withdraw from the agreement.

ARTICLE 7. DELIVERY AND DELIVERY TIME

7.1. The delivery period and specific delivery date to be used by Iris ter Haar vary per order and are determined in consultation with the customer. The delivery time specified by Iris ter Haar begins after the agreement is concluded and after receipt of all necessary information and/or materials from the customer. Iris ter Haar will process orders that are in stock within 2 days. Unless a different delivery period has been agreed upon, Iris ter Haar will indicate this in the offer if products are not in stock.

7.2. The customer is obliged to do what is necessary to enable timely delivery by Iris ter Haar, including by providing complete, correct and clear information in a timely manner as specified in

article 6.2.

7.3. If the client fails to provide the required information to Iris ter Haar, or fails to do so in a timely manner, and this results in a delay in the execution of the order, any resulting additional costs will be borne by the client.

7.4. Iris ter Haar's delivery obligation will be fulfilled, unless proven otherwise, as soon as the items delivered by Iris ter Haar have been offered to the customer once.

7.5. If the performance of the agreed services by Iris ter Haar unexpectedly results in a delay, Iris ter Haar will notify the customer as soon as possible by telephone.

7.6. If delivery by PostNL is unexpectedly delayed, Iris ter Haar will apply a waiting period of 5 days. Within this period, Iris ter Haar will investigate the delivery with PostNL and inform the customer as soon as possible of any updates on the situation.

7.7. Iris ter Haar is not liable for loss or incorrect delivery of the product if the customer has provided an incorrect delivery address. If the order is returned to Iris ter Haar due to delivery failure, the customer is responsible for the cost of reshipping to the correct address.

7.8. Delivered products are deemed to conform to the agreement with normal and minimal deviations, variations, or differences in design. The same applies to color and size differences.

7.9. Deliveries are not made on weekends and public holidays such as New Year's Day, Easter, Pentecost, Ascension Day, Good Friday, King's Day, and Christmas.

7.10. If the customer selected "collect from Sipack" when ordering, the order must be collected within 14 days. After 14 days, Sipack will automatically send the order to Iris ter Haar, and the customer will still be liable for shipping costs. The costs Iris ter Haar incurs at Sipack for preparing the order and shipping it to Iris ter Haar will also be charged to the customer.

ARTICLE 8. PAYMENT

8.1. The customer's payment obligation commences on the date the agreement is concluded.

8.2. All invoices sent by Iris ter Haar must be paid within 14 days, unless otherwise agreed in writing. Iris ter Haar reserves the right to suspend the execution of the business agreement until payment of the invoice has been received. Orders placed through the webshop are paid for directly online.

8.3 If the customer does not meet his payment obligation on time, the customer is legally in default without further notice of default.

is necessary.

8.4. In the event of late payment, Iris ter Haar may decide to temporarily suspend its activities until payment has been received.

8.6. In the event of late payment, the customer is obliged, in addition to the amount owed plus the statutory (commercial) interest, to full compensation for both extrajudicial and judicial collection costs, which amount to at least 15% of the invoice amount with a minimum of €150 excluding VAT (in the case of a private customer, the statutory collection costs apply), including the costs for lawyers, attorneys, bailiffs, collection agencies and any legal proceedings before the district court or court of appeal.

8.6. The claim for payment is immediately due and payable if the customer is declared bankrupt, applies for a moratorium, or if all of the customer's assets are seized, if the customer dies, or if the customer goes into liquidation or is dissolved.

8.7. In the above cases, Iris ter Haar also has the right to terminate or suspend performance of the agreement or any portion thereof that has not yet been performed without notice of default or judicial intervention, without the customer being entitled to compensation for any damage that may arise as a result.

8.8. The customer agrees that Iris ter Haar will invoice electronically. If the customer wishes to receive an invoice by mail, Iris ter Haar reserves the right to charge an additional fee of €2.50 per invoice.

8.9. The customer may submit objections to invoices sent by Iris ter Haar in writing within 7 days of the invoice date. Upon receipt of the objection, Iris ter Haar will investigate the accuracy of the invoice amount. Objections to invoices sent do not suspend the customer's payment obligation.

8.10. All products and services delivered by Iris ter Haar remain the property of Iris ter Haar until all amounts owed by the customer to Iris ter Haar have been paid.

ARTICLE 9. RESERVATION OF OWNERSHIP & INTELLECTUAL PROPERTY

9.1. All intellectual property rights to all documentation, offers, courses, workshops, tools, images, teaching materials, patterns, and preparatory materials developed or made available within the framework of the services belong exclusively to Iris ter Haar, unless otherwise agreed in writing.

9.2. The (digital) products supplied by Iris ter Haar may never be reproduced or resold, in whole or in part, unless otherwise agreed in writing.

9.3. The content of the Iris ter Haar website, including but not limited to: texts, images, videos, design, brands, and domain names, is the property of Iris ter Haar or has been placed on the website with the permission of the rightful owner and is protected by copyright and intellectual or industrial property rights under applicable law. Users of the website are not permitted to reproduce or make available the website or any portion thereof without the permission of Iris ter Haar.

9.4. All copyrights and intellectual property rights to products of the human mind developed by Iris ter Haar are and remain the exclusive property of Iris ter Haar.

9.5. All information published by the customer via the products supplied by Iris ter Haar remains the property of the customer.

9.6. Iris ter Haar is not responsible for any information/content the customer places on Iris ter Haar's servers. If the information/content posted by the customer in any way infringes the rights of third parties or violates laws and regulations, the customer will indemnify Iris ter Haar against any claims for damages that third parties may assert as a result of the customer's actions.

9.7. Any action that violates Article 9.2 and Article 9.3 will be considered copyright infringement.

9.8. In the event of infringement, Iris ter Haar is entitled to compensation of at least twice the license fee it charges for such use, without losing the right to any damages.

ARTICLE 10. LIABILITY

10.1. Every agreement between Iris ter Haar and the client is a best efforts agreement, whereby Iris ter Haar is obligated to fulfill its obligations to the best of its ability, with due care and professionalism. Consequently, Iris ter Haar can never be held liable for results not achieved.

10.2. If Iris ter Haar is unexpectedly held liable for the damages stipulated in Article 10.1, any liability is limited to compensation for direct damages up to a maximum of twice the price agreed upon for that agreement (excluding VAT). In the case of a continuing performance agreement, any liability is limited to compensation for direct damages up to a maximum of the amount of the last invoice paid by the customer.

10.3. In addition to Article 10.2, Iris ter Haar is only liable for direct damage. Direct damage is understood to mean only:

  • the reasonable costs of determining the cause and extent of the damage, insofar as the determination relates to damage within the meaning of these terms and conditions;

  • any reasonable costs incurred to ensure that Iris ter Haar's defective performance complies with the agreement, insofar as these can be attributed to Iris ter Haar;

  • reasonable costs incurred to prevent or limit damage, to the extent that the customer demonstrates that these costs have led to a limitation of direct damage as referred to in this article.

10.4. Iris ter Haar excludes all liability for indirect damage suffered through the use of services and/or products supplied by Iris ter Haar, except in situations where the damage is attributable to intent on the part of Iris ter Haar.

10.5. Iris ter Haar is in no event liable for: consequential damages, damages due to lost savings, damages due to business stagnation, lost profits, and damages resulting from the loss of data during the performance of the agreement.

10.6. Iris ter Haar is also never liable for any losses incurred by the customer due to the inability to deliver a delivery. Iris ter Haar is dependent on its suppliers.

10.7. The customer indemnifies Iris ter Haar against all claims for damages that third parties may assert regarding damage that has arisen in any way from the unlawful or careless use of the products and services supplied to the customer by Iris ter Haar.

ARTICLE 11. INTERRUPTION OF SERVICES AND FORCE MAJEURE

11.1. Iris ter Haar is not bound by its obligations under the agreement if performance becomes impossible due to force majeure. If the force majeure continues for a period of 60 days, both parties are entitled to terminate the agreement. Any performance already performed under the agreement will then be settled pro rata.

11.2. In its activities, Iris ter Haar depends on the cooperation, services, and deliveries of third parties, over which Iris ter Haar has little or no influence. Therefore, Iris ter Haar cannot be held liable in any way for any damage whatsoever arising from a situation in which the shortcoming is attributable to a third party with whom Iris ter Haar has entered into an agreement.

11.3. Force majeure in these general terms and conditions shall be understood to mean any circumstance beyond the control of Iris ter Haar – even if this was already foreseeable at the time the agreement was concluded – that permanently or temporarily prevents performance of the agreement, including but not limited to: strikes, excessive absenteeism due to illness of Iris ter Haar employees or Iris ter Haar itself, transport difficulties, fire, government measures, epidemics, pandemics, natural disasters, terrorism, business disruptions at Iris ter Haar, breach of contract by Iris ter Haar’s suppliers as a result of which Iris ter Haar can no longer fulfil its obligations towards the customer, as well as other serious disruptions in the business of Iris ter Haar or its suppliers.

11.4. In addition to the provisions of paragraph 11.3, force majeure shall certainly be understood to mean everything that has been accepted in this regard in law and case law.

11.5. In the event of force majeure, Iris ter Haar shall have the right, at its option, to extend the delivery period by the duration of the force majeure or to terminate the agreement, insofar as it has not yet been performed, without Iris ter Haar being liable for any damages in any form whatsoever, except under the provisions of Article 78, Book 6 of the Dutch Civil Code.

ARTICLE 12. DURATION OF AGREEMENT, TERMINATION AND CANCELLATION

12.1. The agreement is entered into for a fixed term, unless otherwise stated in the offer or if the parties have expressly agreed otherwise in writing.

12.2. The right of interim termination of the agreement by the customer is excluded, without prejudice to the other provisions of these general terms and conditions.

12.3. Both parties, the customer and Iris ter Haar, are only entitled to terminate the agreement if the other party, after proper and detailed written notice of default, setting a reasonable period for remedying the breach, is culpably in breach of the material obligations under the agreement.

12.4. By way of exception to the provisions of Article 12.3, Iris ter Haar may terminate the agreement in whole or in part by written notice with immediate effect, without notice of default and without judicial intervention, if urgent reasons arise, including but not limited to the cases in which:

  • the customer is granted a (provisional) suspension of payment;

  • bankruptcy is requested or declared in respect of the customer;

  • there is a suspicion that the customer will not be able to meet his or her payment obligation when extending the agreement;

  • the customer acts contrary to public order or morality, or any obligation arising from the agreement with Iris ter Haar;

  • the customer infringes the rights of third parties;

  • the customer acts contrary to reasonable guidelines or instructions from Iris ter Haar;

  • the customer does not respond to correspondence by e-mail, telephone and/or in writing, whether registered or otherwise;

  • in case of recurring payment problems.

12.5. Iris ter Haar will never be liable for any damages due to this termination, as determined in Article 12.4.

12.6. If, at the time of the termination as referred to in Articles 12.3 and 12.4, the customer has already received services in fulfillment of the agreement, these services and the associated payment obligation will not be subject to cancellation. Amounts invoiced by Iris ter Haar prior to the termination in connection with what it has already performed or delivered in fulfillment of the agreement remain payable in full, subject to the provisions of the previous sentence, and become immediately due and payable at the time of termination.

12.7. In the event of cancellation, the customer is also obligated to pay any deposits from third parties and suppliers to Iris ter Haar.

12.8 Iris ter Haar reserves the right to amend its terms and conditions, including for existing agreements. If Iris ter Haar decides to amend the terms and conditions, it will notify the customer. The customer is then free to terminate the agreement from the moment the new terms and conditions take effect or up to seven days after they take effect.

ARTICLE 13. CONFORMITY

13.1. Iris ter Haar will, in executing the agreement, strive to achieve the intended result agreed upon in the offer as much as possible. If, in the client's opinion, the delivered results do not correspond to the intended result agreed upon in the offer, the client and Iris ter Haar will consult with each other to ensure that the delivered results still meet the intended results.

13.2. In addition to the provisions of Article 13.1, the costs for the additional work referred to in that article will be invoiced to the client at Iris ter Haar's normal rate, unless the client can demonstrate, in Iris ter Haar's opinion, that the deviations in the result are attributable to the defective performance of the agreement on the part of Iris ter Haar.

13.3. If it is established that the defectiveness of the services to be provided by Iris ter Haar is the responsibility of Iris ter Haar, the customer is not entitled to compensation or termination of the agreement, except as provided in these terms and conditions.

ARTICLE 14. SPECIAL PROVISIONS OF THE IRIS TER HAAR SAVINGS PROGRAM

14.1. Customers can earn points by placing orders through the webshop, which can then be redeemed for discounts in the same webshop. Points cannot be redeemed for cash, physical/digital gift cards, or shipping costs.

14.2. Every 1 euro (including VAT) represents 1 point. Each point represents a 2.5 euro cent discount.

14.3. Saved points will be saved on the final amount to be paid.

14.4. Upon creating an account, the customer immediately receives 5 points. Within the account, additional points can be earned by writing a product review (2 points), entering your date of birth (5 points each year for a birthday), and referring a friend using a special link (5 points).

14.5. The points saved are valid as long as the Iris ter Haar savings program is active. If Iris ter Haar intends to discontinue the savings program, the customer will be notified two months before the program ends so they can redeem their saved points. After the savings program ends, the saved points will expire.

14.6. If the customer returns an order, the points used will be added back to the total points.

14.7. The customer must use the saved points to create a digital discount voucher, which can then be used for the order.

14.8. Saved points can only be redeemed during the order process; redeeming points for a discount afterward is not possible.

14.9. Saved points are personal and non-transferable. Saved points cannot be transferred to another account afterward.

ARTICLE 15. SPECIAL PROVISIONS FOR GIFT VOUCHERS

15.1. If the customer has an Iris ter Haar gift card, the customer must enter the code in the webshop before checking out.

15.2. Iris ter Haar gift vouchers cannot be exchanged for cash.

15.3. The gift card contains a monetary amount that can be used for an order in the webshop. If the gift card's value is insufficient for the selected order, the difference must be paid via the webshop.

15.4. The gift card cannot be returned or refunded.

15.5. Iris ter Haar gift cards are valid for two years after issue. The date of issue is stated on the (digital) gift card.

ARTICLE 16. OTHER PROVISIONS AND APPLICABLE LAW

16.1. If any provision of these terms and conditions is void or annulled, the remaining provisions of these terms and conditions will remain in full force and effect, and Iris ter Haar and the client will consult with each other to agree on new provisions to replace the void or annulled provisions, whereby the purpose and intent of the void or annulled provision will be taken into account as much as possible.

16.2. If the client includes provisions or conditions in their order that deviate from, or do not appear in, these terms and conditions, they will only be binding on Iris ter Haar if and to the extent that they have been expressly accepted in writing by Iris ter Haar.

16.3. Iris ter Haar endeavors to implement appropriate technical and organizational measures to protect personal data against loss or any form of unlawful use by third parties.

16.4. If Iris ter Haar deviates from the General Terms and Conditions on its own initiative in favor of the customer, the customer can never derive any rights from this.

16.5. Both the client and Iris ter Haar are obliged to maintain confidentiality regarding all information obtained in connection with this agreement.

16.6. Any purchasing or other conditions of the customer do not apply.

16.7. Rights and obligations arising from an agreement may only be transferred by the customer to a third party if Iris ter Haar has given written permission to do so.

16.8. All legal relationships in which Iris ter Haar is a party are exclusively governed by Dutch law.

16.9. The customer and Iris ter Haar will first attempt to settle any disputes amicably and by mutual agreement before appealing to the court.

16.10. Unless mandatory law stipulates otherwise, the competent court in the District of Overijssel shall have jurisdiction to hear disputes between Iris ter Haar and the customer.

version: January 2026
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