Terms and Conditions of Use

Version 1.1 — Last updated: 18 April 2026

Preamble

These Terms and Conditions of Use (the "Terms") govern the use of the Ritorna platform, which includes:

the consumer mobile application Ritorna (iOS, web version at ritorna.app)
the merchant mobile application Ritorna Store (iOS, web version)
the website ritorna.io and related content
related services

(collectively, the "Platform" or the "Services")

By using the Services, you fully accept these Terms. If you do not accept them, do not use the Services.

These Terms constitute a legally binding contract between you and:

Michele Rossini — natural person acting in a professional capacity

Email: info@ritorna.io

(the "Provider", "Ritorna" or "we")

The sections dedicated to Merchants (Part B) apply only to those who enroll as merchants and sign the Merchant Agreement. The sections for Customers (Part A) apply to those who use the consumer app.

Definitions

In this document, capitalized terms have the following meaning:

Platform or Services: the set of apps, website, APIs and content provided by Ritorna as described in the Preamble.
Ritorna or Provider: Michele Rossini, natural person acting in a professional capacity, operator of the Platform.
User: anyone who uses the Services, whether as Customer or Merchant.
Customer: natural person who uses the consumer app Ritorna to participate in loyalty programs.
Merchant: business (natural or legal person) that joins the Platform to offer its loyalty program to its own customers.
Venue: individual physical point of sale of a Merchant.
QR Code: unique personal code of the Customer, valid to identify themselves at all participating Merchants.
Stamp: unit of progress in the loyalty program, accumulated by the Customer at a Merchant.
Reward: benefit (product, discount, service) that the Merchant grants to the Customer upon reaching a Stamp threshold.
Redemption: the act by which the Customer receives the Reward at the Merchant.
Merchant Agreement: agreement signed by the Merchant upon enrollment, including these Terms, the DPA, and the Commercial Schedule.
Commercial Schedule: annex to the Merchant Agreement defining pricing, plans, duration, billing.
DPA: Data Processing Agreement for joint-controllership processing.
Italian Consumer Code: Legislative Decree 206/2005 as amended.
Privacy Policy: the data protection notice accessible at ritorna.io/privacy.

Part A — Terms for Customers (consumer users)

A1. Subject matter of the Services

Ritorna provides a digital loyalty platform allowing you to:

accumulate Stamps at participating Merchants
redeem Rewards upon reaching thresholds set by the Merchant
discover participating Merchants in your area
manage a single profile with a personal QR Code valid at all participating Merchants

The specific loyalty programs (thresholds, Rewards, rules) are defined and managed directly by each Merchant. Ritorna provides only the technological infrastructure.

Ritorna does not provide, sell, or take responsibility for Rewards: these are offered directly by the Merchant at its venue, according to the conditions the Merchant has published in the program.

A2. Eligibility

To use the Services as a Customer you must:

be at least 16 years old
provide accurate, truthful, and current information when registering
have a compatible device and internet connection

Minimum technical requirements:

iOS 17 or higher for the native app, or a modern browser (Safari, Chrome, Firefox, Edge latest version) for the web version
Working internet connection
Device camera (for QR scanning at the Merchant)

Registration is free. There are no charges for Customers for ordinary use of the Platform.

A3. Account

A3.1 Creation

You can create an account via:

email and password (with mandatory email verification)
Sign in with Apple
Google Sign-In

A3.2 Security

You are responsible for the confidentiality of your credentials and for any activity conducted through your account. If you suspect unauthorized access, change your password immediately and contact info@ritorna.io.

A3.3 One account per person

Only one account per natural person is allowed. Creating multiple accounts to repeatedly obtain welcome bonuses or circumvent anti-fraud rules constitutes a breach of these Terms and will result in the suspension or deletion of the accounts involved.

A3.4 Deletion

You can delete your account at any time from: Profile → Settings → Delete Account. See also the Privacy Policy for the effects of deletion.

A4. Usage rules

By using the Platform you agree to:

Not transfer your QR Code to others: your QR is personal and non-transferable
Not attempt to circumvent anti-fraud systems (fake multiple scans, presenting third-party QRs, using coordinated multiple devices)
Not use bots, scrapers, or automated tools to interact with the Platform
Not compromise the security of the Services (intrusion attempts, reverse engineering, decompilation, DDoS attacks)
Not publish unlawful content (illegal, misleading, obscene, discriminatory, infringing third-party rights)
Not impersonate others, whether customers or merchants
Not use the Services for your own commercial purposes (resale, unauthorized affiliation, promotion of third-party activities)

Violations may result in account suspension or deletion, up to immediate termination of the Services in the most serious cases.

A5. Loyalty programs and Rewards

A5.1 Nature of the programs

Each Merchant independently defines its program: number of Stamps required, type of Reward, deadlines, specific rules.

Ritorna acts as technology provider, not as seller of the products or services offered as Rewards.

A5.2 Redemption

Rewards are redeemed exclusively at the Merchant's physical venue, upon reaching the threshold set. The Merchant is required to deliver the Reward according to the terms published in its program.

A5.3 Reward disputes

For disputes regarding Reward Redemption, the procedure is:

First point of contact: the Merchant where you accumulated the Stamps. Commercial responsibility for the Reward rests with the Merchant.
Escalation to Ritorna: if the dispute is not resolved, you can write to info@ritorna.io with subject "Reward Complaint — Merchant name". We will respond within 14 days of receiving the complaint.
Scope of our intervention: Ritorna verifies technical data (Stamps accumulated, scans recorded, program configuration). We do not substitute for the Merchant in delivering the Reward.
Alternative Dispute Resolution: for consumer Customers, the EU ODR platform is always available: https://ec.europa.eu/consumers/odr.

A5.4 Expiration

Merchants may set expiration dates on Stamps or Rewards. This information is visible in the app. Expired Stamps or Rewards do not entitle you to compensation.

A5.5 Program changes

Merchants may modify their program with future effect. Stamps already accumulated at the time of modification are protected according to the rules of the change itself (e.g., kept as "legacy" or converted). New rules apply to subsequent Stamps.

A6. Right of withdrawal (consumer customers)

Pursuant to articles 52 et seq. of the Italian Consumer Code, you have the right to withdraw from the contract with Ritorna (understood as a contract for the supply of a free digital service) within 14 days of account creation, without providing reasons.

To exercise the right of withdrawal:

delete your account from the app (Profile → Settings → Delete Account), or
send notice to info@ritorna.io with subject "14-day Withdrawal"

Note: since the Service is free of charge for Customers, withdrawal simply results in termination of use and deletion of the account, without any need for refunds or returns.

A7. Venue discovery

The app may show participating Merchants near you or selected based on your preferences. Display order may be influenced by:

geographic proximity
relevance to your declared preferences
premium visibility agreements with Merchants (where applicable and disclosed)

Merchants with premium visibility are identified by a specific badge in the app, for Customer transparency.

A8. Service availability

We do our best to keep the Platform available 24/7, but do not guarantee specific uptime to Customers.

The following may occur:

scheduled maintenance interruptions (notified in advance where possible)
unplanned outages (failures, third-party provider issues, force majeure events)
temporary unavailability of certain features

During an outage, existing Stamps and data remain intact in our systems. We cannot guarantee that new scans can be performed during an outage.

A9. Intellectual property

The Platform, the "Ritorna" trademark, logo, graphic design, texts, code, APIs, and all elements of the Platform are owned by Ritorna or licensed.

You may not:

copy, modify, distribute, sell, or commercially exploit the Platform
create derivative works
reverse-engineer, decompile, or disassemble
remove or alter copyright notices

We grant you only a limited, non-exclusive, non-transferable, revocable license to use the Platform in accordance with these Terms.

A10. User content

Content you provide (such as dietary preferences or nickname) remains your property. You grant us a non-exclusive, royalty-free, worldwide license to use it solely to provide the Services.

A11. Disclaimer and limitations of liability

A11.1 Services "as is"

The Services are provided "as is", within the limits permitted by applicable law. We do not warrant that the Services will be error-free, uninterrupted, or always available.

A11.2 Exclusion of liability

Within the limits permitted by law, Ritorna is not liable for:

the quality of products or services offered by Merchants
the conduct of Merchants or their staff
indirect damages (lost profits, lost opportunities, reputational damage)
damages arising from force majeure
interruptions of third-party services (Apple, Google, Supabase, internet connection)

A11.3 Quantitative cap

Within the maximum limits permitted by Italian law, Ritorna's total liability to you, for any cause, shall not exceed €500 (five hundred euros).

This limit reflects the free nature of the Service for the Customer and the absence of economic consideration. The calibration follows the principle of proportionality between reciprocal risk and economic benefit.

A11.4 Non-waivable rights preserved

The limits above do not apply to:

non-waivable consumer rights under the Italian Consumer Code
liability for willful misconduct or gross negligence
personal injury or death caused by our negligence
GDPR violations sanctionable by the Garante
obligations non-derogable by law

A12. Complaints

For any complaint regarding the operation of the Services or Ritorna's conduct:

Channel: email to info@ritorna.io with subject "Complaint — [brief description]"
Useful content: description of the event, date/time, screenshots if applicable, your account details
Response time: within 14 days of receipt
If unsatisfied: you may refer to the EU ODR platform (ec.europa.eu/consumers/odr) or the competent court (see §A15)

For complaints relating to personal data processing, the reference is the Privacy Policy, with info@ritorna.io as the channel.

A13. Changes to the Terms

We may update these Terms to:

reflect changes in the Services
adapt to new regulations
improve clarity

For substantive changes:

we publish the new version at ritorna.io/terms
we notify you by email at least 30 days before the effective date
an in-app notice informs you

If you do not accept the changes, you can close your account before the effective date. Continued use after the effective date constitutes acceptance.

A14. Suspension and termination

A14.1 By you

You may cease use at any time by deleting your account.

A14.2 By us

We may suspend or close your account if:

you breach these Terms seriously or repeatedly
you use the Services for unlawful purposes
we are required to do so by competent authorities

Except in security emergencies, we try to give you notice with an opportunity to contest the decision by writing to info@ritorna.io.

A14.3 Effects of termination

Upon termination:

you lose access to your account
unredeemed Stamps and Rewards are lost
data is processed according to the Privacy Policy

A14.4 Service termination by Ritorna

Ritorna reserves the right to discontinue the Services (in whole or in part) with at least 90 days' notice by email and in-app notice.

In case of full discontinuation:

we will communicate the termination date
we will allow you to download your data (portability)
Merchants will be informed to coordinate the closure of their programs

A15. Governing law and jurisdiction

These Terms are governed by Italian law.

For any dispute arising from use of the Services, the exclusive venue is the Court of Brescia, subject to non-waivable consumer-protection venues under the Italian Consumer Code (typically the Customer's place of residence).

Part B — Terms for Merchants

Important: the conditions in this Part B apply to participating Merchants. The contract with Merchants is formed through the signing of a separate Merchant Agreement, which includes: these Terms, the DPA for data processing, and the Commercial Schedule with pricing.

B1. Subject matter

Ritorna provides the Merchant with a technology platform for managing its own digital loyalty program, including:

store app for staff
web dashboard for owners and managers
QR Code for customer identification
analytics on customer base and program
customer notifications and communications (per preferences)

The Merchant retains full editorial control of its program: defines thresholds, Rewards, anti-fraud rules (within technical limits), authorized staff.

B2. Contract formation and fees

B2.1 Conclusion of the contract

The contract between Ritorna and the Merchant is formed:

upon signing of the Merchant Agreement (which includes the Commercial Schedule), or
in the absence of signed physical agreement, upon acceptance of these Terms and submission of the Order via dashboard or onboarding process, confirmed by a confirmation email from Ritorna.

Email confirmation constitutes proof of the agreement pursuant to Legislative Decree 70/2003 (e-commerce).

B2.2 Commercial terms

Commercial terms (pricing tiers, billing cycle, renewal and refund policies) are set out in the Commercial Schedule annexed to the Merchant Agreement. In the absence of a signed Schedule, any temporary promotional offers communicated through Ritorna's official channels apply.

B2.3 Pilot conditions

During the beta or pilot phase, special conditions may apply (free tier, discounted pricing, early access to features). These conditions are temporary and specified in the individual agreement with the Merchant.

B3. Merchant obligations

The Merchant undertakes to:

B3.1 Program management

Define a clear and transparent program for customers
Honor Rewards according to published conditions
Not retroactively modify rules to customers' detriment
Personally handle any customer disputes over Reward Redemption

B3.2 Staff

Authorize and properly train its staff on the use of Ritorna Store
Manage staff access to the dashboard (invite, remove, assign roles)
Promptly revoke access for personnel leaving the business

B3.3 GDPR obligations (joint controller)

Visibly display at the venue the notice informing customers about the loyalty program and data processing
Respect masking rules and not attempt to obtain data beyond what is visible in the app
Respond to or forward to Ritorna GDPR requests received from customers
Comply with the signed DPA

B3.4 Commercial rules

Not use customer data for purposes other than the loyalty program without their explicit consent
Not transfer to third parties data received through the Platform
Not use Ritorna for illegal or immoral activities

B3.5 Backup and continuity

The Merchant is encouraged to periodically export its own data via the export functions available in the dashboard. Ritorna performs daily backups, but the Merchant acknowledges that ultimate responsibility for its data is shared and we recommend periodic exports as a safety measure.

B4. Data ownership

B4.1 Customer data

Customer data is processed in joint controllership between Ritorna and the Merchant, with responsibility allocations defined in the DPA. Neither party "owns" customer data: customers themselves retain control under GDPR.

B4.2 Merchant data

Data concerning the Merchant (legal name, address, staff, program configuration) is accessible to the Merchant and can be exported in structured format (CSV/JSON) for 90 days from termination.

B4.3 Aggregated and statistical data

Ritorna may use aggregated and anonymous data (which does not identify specific merchants) for statistical purposes, product improvement, and industry benchmarks. The Merchant authorizes use in this aggregated and anonymous form.

B5. Limitation of liability — Merchants

B5.1 Services "as is"

The Services are provided "as is". We do not warrant specific uptime, error-free operation, or fitness for particular purposes unless expressly agreed.

B5.2 Uptime target

Our uptime target is 99% monthly, but does not constitute a contractual SLA with penalties, unless otherwise specifically agreed in writing. A formal SLA with service credits can be defined for enterprise plans or through individual agreements.

B5.3 Quantitative cap

Within the limits permitted by Italian law, Ritorna's total liability to the Merchant, for any cause in a 12-month period, shall not exceed the amount paid by the Merchant to Ritorna in the 12 months preceding the event giving rise to the claim. For Merchants in the free pilot phase, the limit is €500 (five hundred euros).

B5.4 Exclusions

Within the limits permitted by law, Ritorna is not liable for:

Merchant's lost profits
Merchant's reputational damage
indirect or consequential damages
violations committed by Merchant personnel
customer or third-party conduct
force majeure

B6. Indemnification

The Merchant agrees to hold Ritorna harmless (and vice versa) from third-party claims arising from:

breaches of these Terms by the Merchant
GDPR violations attributable to the Merchant (e.g., misuse of customer data)
disputes over Reward Redemption
actions by Merchant personnel

B7. Duration, renewal, termination

The contract's duration, renewal, and termination terms are governed by the Commercial Schedule signed with the Merchant.

Absent specific provisions:

Initial term: 12 months
Renewal: automatic for 12 months, subject to cancellation with 30 days' notice
Termination for cause: at any time, upon written motivated notice
Termination for serious breach: immediate, after formal notice

Upon termination:

the Merchant loses access to the dashboard
the Merchant's data is available for export for 90 days in CSV/JSON format
the Merchant's customers are informed of the program's closure with at least 30 days' notice
Stamps not yet converted to Rewards must be managed by the Merchant (wind-down policy at its discretion)

B8. Changes to Merchant terms

For changes to these Part B Terms or the Commercial Schedule, we give the Merchant at least 60 days' notice by email and dashboard notification.

The Merchant may terminate without penalty if they do not accept the changes, within 30 days of the effective date.

B9. Assignment

The Merchant may not assign the contract to third parties without our written consent. Ritorna may assign the contract to controlled or controlling companies, or to successors in corporate transactions (merger, demerger, transfer of business unit), upon notice to the Merchant.

B10. Complaints — Merchants

For complaints regarding the Services, Platform operation, or billing:

Channel: email to info@ritorna.io with subject "Merchant Complaint — [brief description]"
Response time: within 14 days of receipt
Escalation: in case of unresolved disputes, the Merchant may refer to the Court of Brescia (see §B12) or, if qualifying as "sole trader with consumer protections" (see §B11), to the ADR procedures available to consumers

B11. Sole traders with consumer protections

Certain Italian Consumer Code protections extend to individual sole traders (natural persons carrying out professional activity) who enter contracts not strictly inherent to their professional activity, pursuant to art. 3 of the Italian Consumer Code and established Italian case law.

If you fall within this category (typically: micro-enterprises, sole proprietors in startup phase, supply contracts accessory to main activity), you may be entitled to:

14-day right of withdrawal from distance contracts (art. 52 Italian Consumer Code), subject to exclusions under art. 59
protection against unfair contract terms (arts. 33-36 Italian Consumer Code)
access to ADR procedures for dispute resolution

To invoke these protections, contact info@ritorna.io describing your situation. Qualification depends on the actual circumstances of the contract.

B12. Governing law and jurisdiction — Merchants

These Part B Terms are governed by Italian law. For any dispute, the exclusive venue is the Court of Brescia, except as provided in §B11 for Merchants qualifying as sole traders with consumer protections.

Part C — Common provisions

C1. Communications

Official communications between the parties are via email:

from Ritorna to the User: at the email associated with their account
from the User to Ritorna: at info@ritorna.io

Communications are deemed received at the time of regular transmission.

C2. Force majeure

Neither party is liable for non-performance arising from force majeure events (natural disasters, government acts, war, pandemic, widespread network outage, etc.), limited to the period in which the event persists.

C3. Reference to Privacy Policy

Personal data processing is governed separately by the Privacy Policy, accessible at ritorna.io/privacy, which forms an integral part of the contractual relationship.

C4. Severability

If a clause of these Terms is held void or unenforceable, the remaining clauses remain valid and effective. Where possible, the void clause will be replaced by a provision pursuing the same economic objective within the limits of the law.

C5. Non-waiver

A party's failure to exercise a right under the Terms does not constitute a waiver of that right.

C6. Language

These Terms are drafted in Italian. An English translation is available at ritorna.io/terms/en. In case of interpretive divergence, the Italian version prevails.

C7. Applicable law references

These Terms comply, where applicable, with:

Italian Civil Code
Italian Consumer Code (Legislative Decree 206/2005)
Italian Privacy Code (Legislative Decree 196/2003)
Regulation (EU) 2016/679 (GDPR)
Legislative Decree 70/2003 (e-commerce)
Legislative Decree 170/2021 (implementation of Directive 770/2019 on digital content)

C8. Specifically-accepted clauses (Italian Civil Code artt. 1341 and 1342)

Pursuant to articles 1341 and 1342 of the Italian Civil Code, the User/Merchant declares having read and specifically accepted the following clauses: A11 (Limitations of liability), A14 (Suspension and termination), A15 (Jurisdiction), B5 (Merchant limitation of liability), B6 (Indemnification), B7 (Duration and termination), B9 (Assignment), B12 (Merchant jurisdiction).

Document drafted internally. We recommend review by a specialized lawyer before first publication, particularly for Part B (merchant terms), the Commercial Schedule, and the qualification of Consumer Code protections in §B11.