Terms of Service

1. Acceptance of Terms

By accessing, downloading, installing, or using the Cardinal Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations.

These Terms constitute a legally binding agreement between you ("you," "your," or "User") and Cardinal App LLC ("Cardinal," "we," "our," or "us").

1.1 Agreement to Terms

Your use of the Service constitutes acceptance of these Terms. This includes:

• Creating an account
• Accessing the mobile application or website
• Using any features or functionality of the Service
• Downloading or installing the Cardinal mobile application

1.2 Updates and Modifications

We reserve the right to update, change, or replace any part of these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Service following the posting of any changes constitutes acceptance of those changes.

1.3 Additional Terms

Additional terms or policies may apply to specific features, services, or promotions. Those additional terms become part of your agreement with us when you use those features or services.

2. Definitions

For purposes of these Terms:

• "Service" means the Cardinal mobile application, website, and all related services provided by Cardinal App LLC.
• "User," "you," or "your" refers to any individual or entity using the Service.
• "Account" means your Cardinal user account and profile.
• "Content" means text, images, data, information, and other materials accessible through or uploaded to the Service.
• "Gift Card Data" means information about gift cards you store in Cardinal, including card numbers, PINs, balances, and expiration dates.
• "Free Tier" refers to the basic version of the Service with limited features.
• "Premium Tier" refers to the paid subscription version of the Service with additional features.

3. Eligibility

3.1 Age Requirements

To use Cardinal, you must meet the following age requirements:

• United States: At least 13 years of age
• European Union / EEA: At least 16 years of age
• Other jurisdictions: The age of majority in your jurisdiction or at least 13 years of age, whichever is higher

3.2 Legal Capacity

You must have the legal capacity to enter into a binding contract. By using the Service, you represent and warrant that:

• You meet all age requirements stated above
• You have the legal authority to agree to these Terms
• You are not barred from using the Service under applicable laws
• You will not use the Service if we have previously terminated your account

3.3 Geographic Restrictions

The Service is intended for users in the United States. While we may allow access from other countries, we make no representation that the Service is appropriate or available for use in locations outside the United States. If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

3.4 Business Accounts

If you are using the Service on behalf of a business, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and the term "you" refers to that entity.

4. Account Registration and Security

4.1 Creating an Account

To use certain features of the Service, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Choose a strong, secure password
• Maintain the confidentiality of your password and account credentials
• Accept responsibility for all activities that occur under your account
• Immediately notify us of any unauthorized use of your account

4.2 Account Security

You are solely responsible for maintaining the security of your account. We recommend that you:

• Use a strong, unique password that you don't use for other services
• Enable two-factor authentication if and when available
• Do not share your account credentials with anyone
• Log out of your account when using shared or public devices
• Regularly review your account activity for unauthorized access

4.3 Account Information Accuracy

You must provide accurate and complete information when creating and maintaining your account. Providing false or misleading information, or using the Service under someone else's identity, is prohibited and may result in immediate termination of your account.

4.4 One Account Per Person

You may only create and maintain one account. Creating multiple accounts to circumvent Free Tier limitations or for any other purpose is strictly prohibited and may result in suspension or termination of all your accounts.

4.5 Account Ownership

Your Cardinal account is personal to you. You may not sell, transfer, or assign your account to any other person or entity without our prior written consent.

5. Description of Service

5.1 What Cardinal Does

Cardinal is a digital gift card management application that provides the following functionality:

• Gift Card Storage: Store digital representations of physical and digital gift cards
• Card Information Management: Track card balances, expiration dates, and other details
• OCR Scanning: Use Optical Character Recognition to extract gift card information from photos
• Barcode/QR Code Display: Generate and display barcodes for in-store redemption
• Expiration Notifications: Receive alerts about expiring gift cards
• Organization Tools: Organize and manage your gift card collection

5.2 Service Tiers

5.3 Service Availability

While we strive to provide reliable and continuous service, we do not guarantee that the Service will be:

• Available at all times without interruption
• Error-free or free from bugs, viruses, or other harmful components
• Secure from unauthorized access
• Free from delays, failures, or disruptions

We reserve the right to:

• Modify, suspend, or discontinue the Service (or any part thereof) at any time
• Impose limits on certain features or restrict access to parts of the Service
• Perform scheduled or emergency maintenance
• Change service features, functionality, or specifications

5.4 No Endorsement of Gift Card Issuers

Cardinal is an independent service and is not affiliated with, endorsed by, or sponsored by any gift card issuer, retailer, or brand. We do not guarantee:

• The validity, authenticity, or value of any gift card
• That gift cards will be accepted by retailers
• The accuracy of card balance information
• That gift card terms and conditions will remain unchanged

6. Subscription Terms and Billing

6.1 Free Tier

The Free Tier provides access to basic features of the Service at no cost, subject to the following limitations:

• Maximum of 5 gift cards stored
• Basic customer support
• Limited or no access to certain features

We reserve the right to modify Free Tier limitations, features, or availability at any time with or without notice.

6.2 Premium Tier Subscription

The Premium Tier is available as a paid subscription at the following rates:

• Monthly subscription: $4.99 per month
• Annual subscription: $49.99 per year (equivalent to $4.17/month, saving 16%)

Premium Tier benefits include:

• Unlimited gift card storage
• Priority customer support
• Early access to new features
• All features available in the Free Tier

6.3 Billing and Payment

All subscriptions are billed and managed through your Apple App Store or Google Play Store account:

• Payment is charged to your App Store or Play Store account upon confirmation of purchase
• You authorize the applicable app store to charge your payment method for the subscription fee
• All billing inquiries and refund requests must be directed to the applicable app store
• We do not have access to your payment information or the ability to process refunds directly

6.4 Automatic Renewal

Unless you cancel your subscription, it will automatically renew:

• Your subscription automatically renews at the end of each billing period
• Your account will be charged within 24 hours prior to the end of the current period
• The renewal charge will be at the then-current subscription rate
• To avoid being charged for the next period, you must cancel at least 24 hours before the current period ends

6.5 Managing and Canceling Subscriptions

You can manage or cancel your subscription at any time:

• iOS: Go to Settings → [Your Name] → Subscriptions → Cardinal
• Android: Go to Google Play Store → Menu → Subscriptions → Cardinal

Important: Canceling your subscription does not delete your account. You will retain access to Premium features until the end of your current billing period, after which your account will revert to the Free Tier.

6.6 Refund Policy

To request a refund:

• Apple App Store: Submit a refund request through reportaproblem.apple.com
• Google Play Store: Submit a refund request through the Google Play Store app or website

Refund decisions are made by Apple or Google according to their respective refund policies. We do not control refund decisions and cannot override them.

6.7 Free Trials and Promotional Offers

We may occasionally offer free trials or promotional pricing for Premium subscriptions:

• Free trial eligibility is determined by us and may be limited to new users or specific conditions
• You will be charged the full subscription price when your free trial expires unless you cancel before the trial ends
• We reserve the right to modify, suspend, or cancel free trials or promotions at any time
• Only one free trial per user; creating multiple accounts to abuse free trials is prohibited
• Promotional pricing is subject to terms specified at the time of the offer

6.8 Price Changes

We reserve the right to change subscription prices at any time. Price changes will:

• Not affect your current subscription period
• Take effect at your next renewal after we provide advance notice
• Be communicated to you at least 30 days before the change takes effect

Your continued use of the Premium Tier after a price change constitutes acceptance of the new price. If you do not agree to a price change, you may cancel your subscription before the new price takes effect.

6.9 Taxes

Subscription prices do not include applicable taxes, which will be added to your total charge by the App Store or Play Store based on your billing address and local tax laws.

7. User Responsibilities and Conduct

7.1 Accuracy of Information

You are solely responsible for:

• The accuracy and completeness of gift card information you enter into Cardinal
• Verifying gift card balances with issuers before attempting to use them
• Ensuring compliance with gift card terms and conditions set by issuers
• Understanding and complying with retailer redemption policies
• Maintaining the security of your gift card numbers and PINs

7.2 Gift Card Ownership and Legality

You represent and warrant that:

• You are the lawful owner or authorized user of all gift cards stored in Cardinal
• All gift cards were obtained legally and legitimately
• You have the right to use and redeem all gift cards in your account
• No gift cards in your account are stolen, counterfeit, or fraudulently obtained

7.3 Account Usage

When using the Service, you agree to:

• Use the Service only for lawful purposes
• Comply with all applicable local, state, national, and international laws and regulations
• Not use the Service in any way that could harm, disable, overburden, or impair the Service
• Not interfere with any other user's ability to access or use the Service
• Not attempt to gain unauthorized access to any portion of the Service, other users' accounts, or connected systems

7.4 Data Backup

While we implement security measures to protect your data, you are responsible for:

• Maintaining your own backup copies of important gift card information
• Recording gift card numbers, PINs, and other critical data in a secure location outside of Cardinal
• Understanding that we are not liable for data loss or corruption

7.5 Reporting Issues

You agree to promptly report to us any:

• Suspected security vulnerabilities
• Unauthorized access to your account
• Bugs, errors, or technical issues
• Violations of these Terms by other users
• Copyright or intellectual property infringement

8. Prohibited Activities

8.1 Illegal Activities

You may not use the Service to:

• Engage in any illegal activity or for any illegal purpose
• Store, manage, or process stolen, counterfeit, or fraudulently obtained gift cards
• Facilitate money laundering, fraud, or any other criminal activity
• Violate any applicable laws, regulations, or third-party rights

8.2 Security Violations

You may not:

• Attempt to gain unauthorized access to the Service, other users' accounts, or our systems
• Use any automated tools, bots, scrapers, or spiders to access the Service
• Probe, scan, or test the vulnerability of the Service or any network connected to it
• Breach or circumvent any security or authentication measures
• Interfere with or disrupt the Service, servers, or networks
• Introduce viruses, malware, or other harmful code

8.3 Reverse Engineering

You may not:

• Reverse engineer, decompile, disassemble, or attempt to derive source code from the Service
• Modify, adapt, or create derivative works based on the Service
• Remove, obscure, or alter any proprietary notices or labels
• Copy, frame, or mirror any part of the Service

8.4 Account Abuse

You may not:

• Create multiple accounts to circumvent Free Tier limitations
• Share your account with other individuals
• Sell, transfer, or sublicense your account to others
• Use another person's account without permission
• Create an account using false or misleading information

8.5 Commercial Use Restrictions

Unless you have our prior written permission, you may not:

• Use the Service for commercial purposes beyond personal gift card management
• Resell, redistribute, or sublicense access to the Service
• Use the Service to provide services to third parties
• Use automated systems to create accounts or access the Service at scale

8.6 Prohibited Content

You may not upload, store, or transmit through the Service any content that:

• Infringes on intellectual property rights or other proprietary rights
• Is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
• Contains viruses, malware, or other harmful code
• Violates the privacy or publicity rights of others

8.7 Enforcement

Violation of these prohibitions may result in:

• Immediate suspension or termination of your account
• Removal of prohibited content
• Legal action and reporting to law enforcement authorities
• Liability for damages caused by your violations

9. Intellectual Property Rights

9.1 Cardinal's Intellectual Property

The Service and all content, features, and functionality are owned by Cardinal App LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

This includes, but is not limited to:

• The Cardinal name, logo, and trademarks
• The design, layout, and visual elements of the app and website
• All software code, algorithms, and technical implementations
• Documentation, user guides, and help content
• Graphics, images, icons, and other visual assets
• Text, content, and copy

9.2 License Grant to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Download and install the Cardinal mobile application on devices you own or control
• Access and use the Service for your personal, non-commercial purposes
• View and interact with content provided through the Service

This license does not grant you any rights to:

• Copy, modify, distribute, sell, or lease any part of the Service
• Reverse engineer or attempt to extract source code
• Use the Service for commercial purposes without our permission
• Remove or modify any proprietary notices

9.3 Restrictions

You agree not to:

• Use Cardinal's trademarks, logos, or branding without written permission
• Reproduce, distribute, or create derivative works from the Service
• Frame or link to the Service in a way that implies affiliation or endorsement
• Use any proprietary information or interfaces without authorization

9.4 Feedback and Suggestions

If you provide us with any feedback, suggestions, or ideas about the Service ("Feedback"):

• You grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate the Feedback
• We are not obligated to implement or respond to Feedback
• We may use Feedback without any obligation or compensation to you
• Feedback is not considered confidential information

9.5 Third-Party Content

The Service may include or link to third-party content, websites, or services. We do not own or control this content and are not responsible for it. Third-party content is subject to the intellectual property rights of its respective owners.

10. User Content and Data

10.1 Ownership of Your Data

You retain all ownership rights to the gift card data and other information you upload, store, or manage through the Service ("Your Data"). We do not claim ownership of Your Data.

10.2 License Grant to Cardinal

By using the Service, you grant us a limited, non-exclusive, worldwide, royalty-free license to:

• Store, process, and transmit Your Data as necessary to provide the Service
• Use Your Data to improve and enhance the Service
• Create aggregated, anonymized data for analytics and research purposes
• Backup Your Data for redundancy and disaster recovery purposes

This license exists only for the duration of your use of the Service and will terminate when you delete your account, except for:

• Aggregated, anonymized data that cannot be traced back to you
• Data we are required to retain by law
• Backup copies that will be deleted in the ordinary course of business

10.3 Data Accuracy and Responsibility

You acknowledge and agree that:

• You are solely responsible for the accuracy of Your Data
• We do not verify, validate, or authenticate gift card information you provide
• We are not responsible for errors, omissions, or inaccuracies in Your Data
• We do not guarantee that Your Data will be preserved or accessible at all times

10.4 Data Security and Privacy

We implement reasonable security measures to protect Your Data as described in our Privacy Policy. However:

• No system is completely secure, and we cannot guarantee absolute security
• You use the Service at your own risk
• You should maintain backup copies of critical gift card information

For more information about how we collect, use, and protect your data, please review our Privacy Policy.

10.5 Prohibited Data

You may not upload or store through the Service:

• Data related to stolen, counterfeit, or fraudulently obtained gift cards
• Personal information belonging to others without their consent
• Illegal, harmful, or offensive content
• Malware, viruses, or other harmful code

10.6 Data Export and Portability

You may export Your Data at any time through the Service's export functionality. Upon termination of your account, you will have 30 days to export Your Data before it is permanently deleted.

11. Disclaimers and Warranties

11.1 No Warranty

To the maximum extent permitted by applicable law, we disclaim all warranties, including but not limited to:

• Merchantability: That the Service is suitable for any particular purpose
• Fitness for a particular purpose: That the Service will meet your specific needs
• Non-infringement: That the Service does not infringe third-party rights
• Accuracy: That information provided through the Service is accurate or reliable
• Availability: That the Service will be uninterrupted, timely, secure, or error-free
• Quality: That defects will be corrected or that the Service is free from bugs

11.2 Third-Party Services and Content

We make no representations or warranties regarding:

• The validity, authenticity, or value of gift cards
• Gift card issuer policies, practices, or terms
• Retailer acceptance or redemption of gift cards
• Accuracy of balance information or expiration dates
• Third-party websites, services, or content linked from the Service

11.3 No Financial or Legal Advice

The Service is for informational and organizational purposes only. Cardinal does not provide:

• Financial advice or recommendations
• Legal advice or interpretations
• Tax advice or guidance
• Professional advice of any kind

You should consult with appropriate professionals for advice specific to your situation.

11.4 Internet and Technology Risks

You understand and agree that:

• Internet transmissions are never completely private or secure
• Data transmitted may be intercepted or accessed by unauthorized parties
• Software and technology may contain bugs, errors, or security vulnerabilities
• Your device, internet connection, or other technology may affect Service performance

11.5 Beta Features

We may offer beta, pilot, or experimental features from time to time. These features:

• Are provided "as is" without any warranties
• May be unstable, incomplete, or contain errors
• May be modified or discontinued at any time without notice
• Should not be relied upon for critical purposes

11.6 State-Specific Disclaimers

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the above exclusions may not apply to you, and you may have additional rights.

12. Limitation of Liability

12.1 Types of Damages Excluded

We shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business
• Loss of data or information
• Loss of goodwill or reputation
• Cost of substitute services or products
• Business interruption or downtime
• Personal injury or property damage
• Emotional distress or mental anguish

These limitations apply even if we have been advised of the possibility of such damages and regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise).

12.2 Maximum Liability Cap

To the maximum extent permitted by law, our total aggregate liability for all claims arising out of or relating to these Terms or your use of the Service shall not exceed the greater of:

• The total amount you paid to Cardinal in the 12 months prior to the claim, or
• $100 USD

12.3 Gift Card-Related Losses

We are specifically not liable for:

• Lost, stolen, expired, or fraudulent gift cards
• Incorrect balance information or expiration dates
• Inability to redeem gift cards at retailers
• Changes to gift card terms by issuers
• Disputes between you and gift card issuers or retailers
• Financial losses related to gift card management

12.4 Third-Party Actions

We are not liable for:

• Actions or omissions of third-party service providers
• Content or conduct of other users
• Third-party websites or services linked from Cardinal
• Gift card issuer policies, practices, or failures
• Payment processor errors or issues

12.5 Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, or severe weather
• War, terrorism, civil unrest, or government actions
• Internet or telecommunications failures
• Power outages or equipment failures
• Cyberattacks, hacking, or denial-of-service attacks
• Pandemics, epidemics, or public health emergencies

12.6 State-Specific Limitations

Some jurisdictions do not allow the limitation or exclusion of liability for certain types of damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

12.7 Basis of the Bargain

You acknowledge that the disclaimers and limitations in these Terms reflect a reasonable allocation of risk and are a fundamental basis of the bargain between you and Cardinal. The Service would not be provided without these limitations.

13. Indemnification

13.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless Cardinal App LLC, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service: Including any actions taken through your account
• Violation of these Terms: Any breach or violation of these Terms of Service
• Violation of laws: Your violation of any applicable laws, regulations, or third-party rights
• Your Content: Any content, data, or information you submit, post, or transmit through the Service
• Gift card issues: Any disputes, claims, or issues related to gift cards stored in your account
• Third-party claims: Any claims by third parties arising from your use of the Service
• Intellectual property: Any infringement of intellectual property or other proprietary rights
• Negligence or misconduct: Your negligent or willful misconduct

13.2 Defense and Settlement

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you. In such cases:

• You agree to cooperate with our defense of such claims
• You will not settle any claim without our prior written consent
• We may settle claims on terms we deem appropriate
• You will continue to be responsible for indemnification obligations

13.3 Notice

You agree to promptly notify us of any third-party claims related to your use of the Service.

14. Termination

14.1 Termination by You

You may terminate your account at any time by:

• Deleting your account through the Settings section of the app
• Contacting us at support@usecardinal.app with a termination request

Upon termination:

• Your access to the Service will cease immediately
• Your subscription (if applicable) will be canceled, but you will not receive a refund for the current period
• Your data will be scheduled for deletion in accordance with our Privacy Policy (within 30 days)
• You will have 30 days to export your data before permanent deletion

14.2 Termination by Cardinal

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including but not limited to:

• Violation of Terms: Breach of any provision of these Terms
• Illegal activity: Use of the Service for illegal purposes
• Fraud or abuse: Fraudulent, abusive, or harmful conduct
• Security concerns: Threats to Service security or integrity
• Inactivity: Extended period of account inactivity (typically 12+ months)
• Non-payment: Failure to pay subscription fees
• Legal requirements: Compliance with legal obligations or court orders
• Service discontinuation: Discontinuation of the Service or certain features

14.3 Effect of Termination

Upon termination of your account, whether by you or by us:

• All licenses granted to you under these Terms will immediately cease
• You must immediately cease all use of the Service
• Your right to access or use the Service will be revoked
• Provisions that by their nature should survive termination will continue to apply

14.4 No Refunds on Termination

If we terminate your account for violation of these Terms:

• You will not receive a refund for any unused portion of your subscription
• You may be liable for damages caused by your violations
• We may pursue legal remedies as appropriate

14.5 Surviving Provisions

The following sections survive termination of these Terms:

• Intellectual Property Rights
• User Content and Data (for retained data)
• Disclaimers and Warranties
• Limitation of Liability
• Indemnification
• Dispute Resolution and Arbitration
• General Provisions

14.6 Data After Termination

After termination:

• Your personal data will be deleted within 30 days in accordance with our Privacy Policy
• Aggregated, anonymized data may be retained indefinitely
• We may retain certain data as required by law or for legitimate business purposes
• Backup copies may persist in our systems for a period of time before being permanently deleted

15. Dispute Resolution and Arbitration

15.1 Informal Resolution

Before filing a formal claim, you agree to try to resolve the dispute informally by contacting us at support@usecardinal.app. We will attempt to resolve the dispute through good faith negotiations for at least 60 days before either party may pursue arbitration or litigation.

Your notice must include:

• Your name and contact information
• A description of the dispute
• The relief you are seeking

15.2 Binding Arbitration

If we cannot resolve a dispute informally, you and Cardinal agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service will be resolved through binding arbitration rather than in court, except as provided below.

Arbitration terms:

• Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules
• The arbitration will take place in South Bend, Indiana, or another mutually agreed location
• The arbitrator's decision will be final and binding
• Judgment on the arbitration award may be entered in any court of competent jurisdiction
• Each party will bear its own costs and attorneys' fees unless the arbitrator awards them to the prevailing party

15.3 Exceptions to Arbitration

Either party may seek relief in court for:

• Claims that qualify for small claims court jurisdiction
• Injunctive or equitable relief to protect intellectual property rights
• Matters that cannot be arbitrated under applicable law

15.4 Class Action Waiver

This means:

• You cannot bring claims on behalf of other users or join claims with other users
• You cannot participate in a class action lawsuit against Cardinal
• The arbitrator may not consolidate multiple parties' claims
• You may only seek relief on an individual basis

15.5 Opt-Out Right

You have the right to opt out of this arbitration agreement within 30 days of first accepting these Terms. To opt out, you must send written notice to:

Cardinal App LLC
617 Pennsylvania Avenue
South Bend, Indiana 46613
Email: legal@usecardinal.app

Your opt-out notice must include your name, address, email address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, all other provisions of these Terms will continue to apply.

15.6 Changes to This Section

If we make any changes to this Dispute Resolution section after you first accept these Terms, you may reject the changes by sending us written notice within 30 days of the change. If you reject changes, the arbitration agreement in effect immediately prior to the changes will apply.

15.7 Severability

If any portion of this Dispute Resolution section is found to be unenforceable, the unenforceable portion will be severed, and the remaining provisions will remain in full force and effect, except:

• If the Class Action Waiver is found unenforceable, this entire Dispute Resolution section will be void
• If arbitration is found unenforceable for a particular claim, that claim may proceed in court but will be subject to the Class Action Waiver

16. DMCA and Copyright Policy

16.1 Copyright Policy

We respect intellectual property rights and expect our users to do the same. We respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act (DMCA).

16.2 Filing a DMCA Notice

If you believe that content in the Service infringes your copyright, please provide our designated Copyright Agent with a written notice containing:

• A physical or electronic signature of the copyright owner or authorized representative
• Identification of the copyrighted work claimed to be infringed
• Identification of the allegedly infringing material and its location on the Service
• Your contact information (address, telephone number, email)
• A statement that you have a good faith belief that use of the material is unauthorized
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner

Send DMCA notices to:

Copyright Agent
Cardinal App LLC
617 Pennsylvania Avenue
South Bend, Indiana 46613
Email: legal@usecardinal.app

16.3 Counter-Notice

If you believe content you posted was removed in error, you may file a counter-notice containing:

• Your physical or electronic signature
• Identification of the removed material and its former location
• A statement under penalty of perjury that removal was a mistake or misidentification
• Your contact information and consent to jurisdiction

16.4 Repeat Infringer Policy

We may terminate accounts of users who are repeat copyright infringers in appropriate circumstances.

17. Modifications to Terms

17.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time for any reason, including but not limited to:

• Changes in applicable laws or regulations
• Introduction of new features or services
• Security or operational requirements
• Business or legal considerations

17.2 Notice of Changes

When we make changes to these Terms:

• We will update the "Effective Date" at the top of these Terms
• For material changes, we will provide notice through the Service or via email
• We will give you at least 30 days' notice before material changes take effect
• We may require you to accept the updated Terms to continue using the Service

17.3 Your Acceptance

Your continued use of the Service after changes to these Terms constitutes acceptance of the updated Terms. If you do not agree to the changes:

• You must stop using the Service
• You may terminate your account as described in Section 14
• The Terms in effect at the time you stopped using the Service will govern any disputes

17.4 Version History

Previous versions of these Terms are available upon request by contacting legal@usecardinal.app.

18. General Provisions

18.1 Governing Law

These Terms and your use of the Service are governed by the laws of the State of Indiana and the United States, without regard to conflict of law principles.

18.2 Jurisdiction and Venue

Subject to the arbitration provisions in Section 15, you agree that any legal action or proceeding arising out of or relating to these Terms or the Service shall be brought exclusively in the federal or state courts located in St. Joseph County, Indiana, and you consent to the personal jurisdiction of such courts.

18.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction:

• The invalid provision will be modified to reflect the parties' intent as closely as possible
• If modification is not possible, the invalid provision will be severed
• All other provisions of these Terms will remain in full force and effect

18.4 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms referenced herein, constitute the entire agreement between you and Cardinal regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

18.5 No Waiver

Our failure to enforce any provision of these Terms or to exercise any right or remedy does not constitute a waiver of that provision, right, or remedy. Any waiver must be in writing and signed by an authorized representative of Cardinal.

18.6 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may freely assign, transfer, or delegate our rights and obligations under these Terms without restriction. Any attempted assignment in violation of this section is void.

18.7 Third-Party Beneficiaries

These Terms are for the benefit of you and Cardinal only and are not intended to benefit or create any rights for any third parties.

18.8 Force Majeure

Neither party will be liable for any failure or delay in performance under these Terms due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, or governmental actions.

18.9 Notices

All notices required or permitted under these Terms must be in writing and will be deemed given:

• When delivered personally
• When sent by confirmed email
• Three business days after being sent by certified mail, return receipt requested

Notices to Cardinal must be sent to:

Cardinal App LLC
617 Pennsylvania Avenue
South Bend, Indiana 46613
Email: legal@usecardinal.app

Notices to you will be sent to:

The email address associated with your account

18.10 Language

These Terms are written in English. Any translations are provided for convenience only. In the event of any conflict between an English version and a translation, the English version will prevail.

18.11 Headings

Section headings in these Terms are for convenience only and do not affect the interpretation of these Terms.

18.12 Construction

In interpreting these Terms:

• "Including" means "including but not limited to"
• The singular includes the plural and vice versa
• "Or" is not exclusive
• These Terms will not be construed against either party as the drafter

18.13 Export Controls

You agree to comply with all applicable export and import control laws and regulations. You may not export or re-export the Service or any related technical data except in compliance with applicable laws.

18.14 Government Users

If you are a U.S. Government entity, the Service is a "commercial item" as defined in 48 C.F.R. §2.101, and is licensed under these Terms.

18.15 App Store Additional Terms

If you download Cardinal from the Apple App Store or Google Play Store, you acknowledge and agree that:

• These Terms are between you and Cardinal, not with Apple or Google
• Apple and Google are not responsible for the Service or its content
• You must comply with all applicable App Store or Play Store terms and policies
• Apple and Google are third-party beneficiaries of these Terms and may enforce them
• In case of conflict between these Terms and App Store terms, the App Store terms prevail

18.16 Contact for Legal Notices

For legal notices, questions about these Terms, or to report violations, contact:

Legal Department
Cardinal App LLC
Email: legal@usecardinal.app