Kaartomanik
Kaartomanik is a compound noun in Estonian formed from kaart (card) and omanik (owner). It is used to describe a person who possesses or controls a card, such as a bank card, transit card, loyalty card, or identification card. The term is primarily colloquial and not a formal designation in law or official policy.
Scope and usage: In everyday language, kaartomanik can refer to the owner of either a physical card
Rights and responsibilities: The kaartomanik typically has the right to use the card for its intended purposes
Notes: The term is widely understood in Estonian but its usage and connotations can vary by sector