Terms of Service

1. Acceptance of Terms

By accessing or using Cardwise ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. These Terms constitute a legally binding agreement between you and Cardwise.

We reserve the right to update or modify these Terms at any time. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

2. Description of Service

Cardwise is a relationship management platform that helps users track important dates, preferences, and memories for their personal relationships. The Service includes:

• Relationship tracking and management
• Event and date reminders (birthdays, anniversaries, etc.)
• Memory logging and timeline features
• AI-powered content generation for cards, messages, and speeches
• Email and browser notifications
• Gift idea tracking

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time with or without notice.

3. User Accounts and Registration

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Immediately notify us of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

You must be at least 13 years old to use the Service. If you are between 13 and 18 years old, you must have parental or guardian consent to use the Service.

4. Subscription and Payment Terms

Cardwise offers both free and paid subscription tiers:

Payment for Premium subscriptions is processed monthly. By subscribing to a paid tier, you authorize us to charge your payment method on a recurring basis. You may cancel your subscription at any time, and you will continue to have access until the end of your current billing period.

We reserve the right to change our pricing at any time. If we increase the price of your subscription, we will notify you at least 30 days in advance and you will have the option to cancel.

5. User Responsibilities

You are solely responsible for:

• The accuracy of information you enter into the Service
• Maintaining the confidentiality of relationship data
• Ensuring you have appropriate permissions to share information about other individuals
• Your use of AI-generated content and ensuring it is appropriate for your intended use
• Complying with all applicable laws and regulations in your use of the Service

6. User-Generated Content

You retain ownership of all content you create, upload, or store in the Service, including relationship information, memories, events, and notes ("User Content").

By using the Service, you grant Cardwise a limited, non-exclusive license to store, process, and display your User Content solely for the purpose of providing the Service to you. We will not share, sell, or use your User Content for any other purpose without your explicit consent.

You are responsible for ensuring that your User Content does not violate any laws or infringe on any third-party rights.

7. Intellectual Property Rights

The Service, including its design, features, graphics, software, and text, is owned by Cardwise and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent. You may not reverse engineer or attempt to extract the source code of the Service.

8. AI-Generated Content

The Service uses artificial intelligence to generate personalized content such as greeting cards, messages, and speeches. This content is generated based on information you provide about your relationships.

While we strive to provide high-quality, appropriate content, AI-generated content may occasionally contain errors, inaccuracies, or inappropriate material. You are solely responsible for reviewing and approving AI-generated content before using it.

You own the rights to AI-generated content created for you and may use it for personal purposes. However, we retain the right to use anonymized, aggregated data from AI interactions to improve the Service.

9. Prohibited Activities

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Harass, abuse, or harm another person
• Upload malicious code, viruses, or any harmful software
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Use the Service to send spam or unsolicited communications
• Scrape, crawl, or use automated tools to access the Service
• Share your account credentials with others
• Use the Service in any way that could damage our reputation

10. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

We implement appropriate technical and organizational measures to protect your data. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

11. Third-Party Services

The Service integrates with third-party services, including:

• Anthropic (Claude AI) for content generation
• Customer.io for email notifications
• Google (optional contact synchronization)
• Payment processors for subscription billing

Your use of third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices of third-party services.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy, completeness, or reliability of AI-generated content or any other information provided through the Service.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDWISE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Service
• Any unauthorized access to or use of your data
• Any errors or omissions in the Service or AI-generated content
• Any third-party content or conduct on the Service

Our total liability to you for all claims arising from or related to the Service shall not exceed the amount you paid to us in the twelve months prior to the claim, or $100, whichever is greater.

14. Termination

You may terminate your account at any time by contacting us or using the account deletion feature in the Service. Upon termination, your right to use the Service will immediately cease.

We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination by us, you will lose access to your account and all associated data.

We will retain your data for 30 days after account termination, after which it will be permanently deleted unless required by law to retain it longer.

15. Changes to Terms

We may update these Terms from time to time. When we make material changes, we will notify you by email or through a prominent notice in the Service at least 30 days before the changes take effect.

Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Service and may request account deletion.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of [State], without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court.

You agree to waive your right to participate in a class action lawsuit or class-wide arbitration.

17. Contact Information

If you have any questions about these Terms, please contact us at: