Terms of Service

1. Acceptance of Terms

By creating an account or using Cardinal, you agree to:

• These Terms of Service
• Our Privacy Policy
• All applicable laws and regulations

2. Eligibility

To use Cardinal, you must:

• Be at least 13 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into a binding agreement
• Not be barred from using our services under applicable laws
• Provide accurate and complete registration information

If you are under 18, you must have parental or guardian consent to use Cardinal.

3. Account Registration

Creating an Account

• You must provide a valid email address and create a secure password
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized access to your account
• You are responsible for all activities that occur under your account

Account Security

• Use a strong, unique password
• Do not share your account credentials with others
• Enable two-factor authentication if available
• Log out of your account when using shared devices

4. Description of Service

Cardinal is a digital gift card management application that allows you to:

• Store and organize digital representations of physical and digital gift cards
• Track card balances and expiration dates
• Receive notifications about expiring cards
• Generate barcodes for in-store redemption
• Access location-based alerts (Premium tier)

Service Availability

We strive to provide reliable service, but we do not guarantee:

• Uninterrupted or error-free operation
• That defects will be corrected immediately
• That the service will be available at all times

5. Subscription Terms

Free Tier

• Up to 10 gift cards
• Basic features (OCR scanning, expiration alerts, barcode generation)
• May include advertisements

Premium Tier ($4.99/month or $49.99/year)

• Unlimited gift cards
• Location-based notifications
• Ad-free experience
• Priority customer support
• Early access to new features

Billing and Payment

• Subscriptions are billed through your Apple App Store or Google Play Store account
• Payment is charged to your account upon confirmation of purchase
• Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period
• Your account will be charged for renewal within 24 hours prior to the end of the current period
• You can manage or cancel your subscription through your App Store or Google Play account settings

Refund Policy

Free Trials

We may offer free trials from time to time:

• Free trial eligibility is determined by us and may be limited
• You will be charged when the free trial expires unless you cancel before then
• We reserve the right to revoke free trial access at any time

6. User Responsibilities

Your Content

You are solely responsible for:

• The accuracy of gift card information you enter
• Maintaining the security of your gift card data
• Verifying card balances with retailers
• Complying with gift card terms and conditions from issuers

Prohibited Activities

You agree NOT to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Use automated systems (bots, scrapers) without permission
• Reverse engineer, decompile, or disassemble the app
• Remove or modify any proprietary notices
• Share your account with others
• Create multiple accounts to circumvent free tier limits
• Use the service to store stolen or fraudulent gift cards
• Violate any applicable laws or regulations

7. Intellectual Property

Our Rights

Cardinal and all related content are owned by us and protected by intellectual property laws:

• App design, graphics, logos, and trademarks
• Software code and algorithms
• Documentation and user guides

Your License

We grant you a limited, non-exclusive, non-transferable license to:

• Download and use the Cardinal app on your personal devices
• Access and use the service for personal, non-commercial purposes

Your Data

You retain ownership of gift card data you input, but you grant us a license to:

• Store and process your data to provide the service
• Use anonymized, aggregated data for analytics and improvements

8. Disclaimers and Limitations

No Warranty

This includes but is not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy or reliability of information
• Uninterrupted or error-free service
• Security of data transmission

Third-Party Services

• We are not responsible for gift card issuers, retailers, or their policies
• We do not guarantee gift card acceptance or redemption
• Card balances shown in Cardinal may not reflect real-time balances
• Always verify balances and terms directly with the card issuer

Location Services

Location-based alerts (Premium feature) are provided for convenience:

• Accuracy depends on device GPS and may not always be precise
• We are not liable for missed opportunities or incorrect location alerts
• Location services may drain battery life

9. Limitation of Liability

We are not liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or use
• Lost, stolen, expired, or fraudulently obtained gift cards

10. Indemnification

You agree to indemnify and hold harmless Cardinal, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or store in Cardinal

11. Termination

By You

You may terminate your account at any time by:

• Deleting your account through Settings in the app
• Contacting us at support@usecardinal.app

By Us

We may suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Abuse or misuse the service
• Have not used your account for an extended period

Effect of Termination

• Your access to Cardinal will be immediately revoked
• Your data will be deleted in accordance with our Privacy Policy
• Premium subscriptions will not be refunded for early termination

12. Changes to Terms

We reserve the right to modify these Terms at any time. When we do:

• We will update the "Last Updated" date at the top
• We will notify you through the app or via email
• Material changes will require your acceptance

Your continued use of Cardinal after changes constitutes acceptance of the updated Terms.

13. Dispute Resolution

Informal Resolution

Before filing a claim, please contact us at support@usecardinal.app to resolve the issue informally.

Arbitration Agreement

If we cannot resolve a dispute informally, you agree that disputes will be resolved through binding arbitration rather than in court, except:

• You may assert claims in small claims court if they qualify
• Either party may seek injunctive relief in court

Class Action Waiver

14. General Provisions

Governing Law

These Terms are governed by the laws of the United States, without regard to conflict of law principles.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cardinal.

No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

15. App Store Terms

If you download Cardinal from the Apple App Store or Google Play Store, you also agree to their terms:

• Apple and Google are not parties to these Terms
• Apple and Google are not responsible for the app or its content
• Your use of the app must comply with App Store and Play Store terms
• In case of conflict between these Terms and App Store terms, App Store terms prevail