Terms of Service

These Terms of Service ("Terms") govern your use of Cardigo's website, web application, mobile applications, APIs, and related services (the "Service") operated by White Hat Digital Agency Limited ("Cardigo", "we", "us", or "our"). By registering for or using the Service, you agree to these Terms and our Privacy Policy.

If you use Cardigo on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to that organization.

You must be at least 16 years old and capable of forming a binding contract to use Cardigo. You may not use the Service if you are barred under applicable law or if we have previously suspended or terminated your account for violations of these Terms.

• You are responsible for maintaining the confidentiality of your login credentials.
• You must provide accurate registration information and keep your profile reasonably up to date.
• You are responsible for activity under your account unless you notify us promptly of unauthorized access.
• We may suspend or terminate accounts that violate these Terms or pose a security or legal risk.
• You may delete your account at any time from Profile → Delete account.

Cardigo provides tools to create and share digital business cards, scan and save contacts, exchange information via QR, link, NFC, or handshake features, use event mode, view analytics, and add passes to Apple Wallet or Google Wallet where supported.

Features may change over time. Some capabilities require device permissions (camera, NFC, photos) or third-party wallet platforms. We do not guarantee uninterrupted availability and may perform maintenance or updates.

Cardigo offers Free and Pro plans. Free plan limits (such as contact caps, OCR usage, or branding restrictions) are described in the app. Pro features may require a paid subscription when billing is enabled.

• Free plan users may see optional rewarded advertisements to unlock certain limits.
• Subscription pricing, billing cycle, and cancellation terms will be shown before purchase.
• Payments processed through Apple App Store or Google Play are subject to those platforms' terms.
• Unless otherwise stated or required by law, fees are non-refundable.

You agree not to misuse Cardigo. Prohibited conduct includes:

• Uploading unlawful, infringing, deceptive, harassing, or harmful content.
• Impersonating another person or misrepresenting your affiliation.
• Scraping, reverse engineering, or bypassing security or rate limits except as permitted by law.
• Sending spam or unsolicited messages using Cardigo contact features.
• Collecting or processing others' personal data without a lawful basis and appropriate notice.
• Using OCR or contact tools to build unauthorized marketing lists or violate anti-spam laws.

You retain ownership of content you submit to Cardigo. You grant Cardigo a worldwide, non-exclusive, royalty-free license to host, display, reproduce, and distribute your content solely to operate the Service as you direct through product features.

You represent that you have all rights necessary to submit your content and that it does not violate third-party rights or applicable law.

When you scan, import, or save contact information about others, you are responsible for complying with applicable privacy, data protection, and marketing laws, including obtaining any required consent before contacting those individuals outside Cardigo.

The Service integrates with third-party platforms such as Apple Wallet, Google Wallet, Google AdMob, Supabase, and social networks you link on your profile. Your use of third-party services is governed by their terms and policies. Cardigo is not responsible for third-party services.

The Service, including software, design, logos, and documentation, is owned by Cardigo or its licensors and protected by intellectual property laws. Except for the limited rights expressly granted in these Terms, no license is granted to you.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. CARDIGO DOES NOT WARRANT THAT OCR RESULTS, CONTACT DATA, OR ANALYTICS WILL BE ERROR-FREE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDIGO WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) USD $100, EXCEPT WHERE LIABILITY CANNOT BE LIMITED BY LAW.

You may stop using Cardigo at any time and delete your account. We may suspend or terminate access if you breach these Terms, if required by law, or to protect the Service.

These Terms are governed by the laws of England and Wales, without regard to conflict-of-law rules, except where mandatory consumer protection laws in your country provide otherwise. Disputes should first be raised with us at legal@cardigoapp.com.

Questions about these Terms: legal@cardigoapp.com. Support: hello@cardigoapp.com. Contact page: https://cardigoapp.com/contact.