Terms and Conditions

1. Agreement to Terms

By downloading or using Cardvark (the "App"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the App.

2. Description of Service

Cardvark is a digital storage tool that allows users to manually store and organize images or data from loyalty cards, gift cards, prepaid cards, and vouchers.

• Not a Payment Processor: Cardvark is a storage utility only. We do not process payments, verify card balances, or issue currency.
• No Affiliation: Cardvark is not affiliated with, endorsed by, or partnered with any of the brands or companies whose cards you store in the App.

3. Local Data Storage & User Responsibility

Cardvark operates on a Local-First model.

• Your Responsibility: All data is stored exclusively on your device. We do not have access to your cards and cannot recover them for you.
• Backups: You are solely responsible for backing up your device (e.g., via iCloud or Android Backup). If you delete the App or lose your device, your stored data will be permanently lost.
• Security: You are responsible for maintaining the security of your device (e.g., using passcodes or biometrics) to prevent unauthorized access to your stored cards.

4. No Guarantee of Acceptance

While Cardvark is designed to display barcodes and card images clearly, we cannot guarantee that every merchant or third-party scanner will accept the digital version of your card.

• We are not responsible for any merchant's refusal to honor a card displayed within the App.
• We recommend carrying physical cards or alternative proof of purchase for high-value items.

5. Intellectual Property

All rights, title, and interest in Cardvark (including the name, logo, and code) are the exclusive property of the developer. You may not decompile, reverse-engineer, or attempt to extract the source code of the App.

6. Limitation of Liability

To the maximum extent permitted by law:

• "As-Is" Basis: The App is provided "as is" and "as available" without warranties of any kind.
• Financial Loss: We are not liable for any financial loss, lost vouchers, or expired cards resulting from the use or inability to use the App, including technical glitches or data loss.
• Maximum Liability: In no event shall our total liability to you exceed the amount paid by you (if any) for the App.

7. Consumer Protection (Australia)

If you are using this App in Australia, our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these terms is intended to exclude or limit your statutory rights as a consumer under the Competition and Consumer Act 2010 (Cth).

8. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia. Any disputes shall be resolved in the courts of that jurisdiction.

9. Changes to Terms

We may update these terms from time to time. Your continued use of the App following any changes constitutes your acceptance of the new Terms.

10. Contact

For questions regarding these Terms, please contact us at [email protected].