Terms of Service

1. Who we are

Cardless Club (Cardless Club, we, us, our) is operated from India. You can reach us at [email protected], or through the contact page. Where these terms say you, they mean the person or business using the Service. If you use the Service on behalf of a business, you confirm that you have the authority to bind that business, and these terms bind it as well as you.

2. Who may use the Service

You must be at least 18 years old, or the age of majority where you live if that is higher, to open an account or make a purchase. A person under 18 may use the Service only through an account opened and supervised by a parent or legal guardian, who accepts these terms on their behalf. You may not use the Service if you have previously been suspended or removed from it, or if doing so is prohibited by any law that applies to you.

3. Your account

Sign-in is provided through our authentication provider. You are responsible for keeping your sign-in method secure, for every action taken through your account, and for telling us promptly at [email protected] if you believe your account has been accessed without your permission. Give us accurate information and keep it current: a contact address we cannot reach is one we cannot warn.

One person may hold one account. You may not share, sell, lend or transfer an account, a handle or a card claim to someone else, except as the dashboard expressly allows (for example, pointing a card you own at a different page you own).

4. What the Service is

The Service has three parts, sold and adopted separately:

• Cardless Page: a page at cardless.club/yourname holding links, text, media and contact details that you control.
• Cardless Cards: physical NFC and QR products that open one of your pages when tapped or scanned. Cards are sold through a separate store and claimed here with the code and PIN that come with them.
• Cardless Reviews: a business product that turns a tap or scan into a rating, a Google review, or a private message to the business.

We may add, change, or retire features. Cardless Club is in pre-release: parts of it are unfinished, features described as coming soon may change or arrive later than we hoped, and we may make changes to keep the Service secure, lawful, or workable. Where a change removes something you have paid for, section 10 says what happens.

5. Your content

Everything you put on a page, in a form, on a review location, or anywhere else in the Service is your content. You own it, and we claim no ownership of it.

So that we can run the Service, you grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, resize, cache, transmit, display, and create previews of your content, for the purpose of providing and improving the Service and showing your content to the people you direct to it. This licence lasts while your content is on the Service and for a short period afterwards while it is cleared from backups and caches. It ends when you delete the content, subject to the exceptions in section 15.

You promise that you own or have the rights to everything you upload, that it does not infringe anyone else's rights, and that publishing it through the Service does not break any law or any agreement you are party to. We do not review content before it is published, and we are not responsible for it. We may remove content or disable a page that we reasonably believe breaks these terms, the law, or the rights of others, with or without notice.

6. Acceptable use

You agree not to use the Service, or let anyone else use it, to:

• break any law of India or of any country from which you use the Service, or help anyone else do so;
• impersonate any person, business, or organisation, or claim an affiliation you do not have, including through a handle, a display name, a page design, or a card;
• collect passwords, payment details, or personal information by deception, or run any scam, phishing, or fraudulent scheme;
• distribute malware, or link to it, or attempt to gain unauthorised access to any system, account, or data, including ours;
• publish content that is defamatory, obscene, sexually explicit, hateful, threatening, harassing, or that incites violence, or that exploits or endangers children in any way;
• infringe copyright, trademark, privacy, publicity, or any other right of any person;
• send unsolicited bulk messages, or use addresses and phone numbers collected through the Service in a way the people who gave them did not agree to;
• inflate, fake, or manipulate views, clicks, ratings, reviews, or any other number the Service reports, including by scripts, bots, paid engagement, or repeated submission;
• probe, scan, overload, scrape, or interfere with the Service or its infrastructure, or bypass any limit, rate control, or security measure;
• resell, sublicense, or commercially exploit the Service without our written agreement, other than by using it for your own business as intended;
• use the Service to offer anything our payment provider or card vendor prohibits, including gambling, adult services, controlled substances, weapons, or counterfeit goods.

We decide, acting reasonably, whether something breaks this section. If it does, we may remove the content, take the page down, suspend or close the account, and report the matter to the authorities where we think that is warranted.

7. Handles

Handles (the part of a page address after cardless.club/) are allocated first come, first served, and remain ours. You get the right to use a handle while your account is in good standing; you do not acquire ownership of it. Some handles are reserved and cannot be claimed.

If you change your handle, your old one becomes available to anyone immediately. Links, cards, and printed material pointing at the old handle will stop reaching you. The dashboard warns you of this before you save, and we cannot restore a handle someone else has since taken.

We may reclaim, rename, or disable a handle that impersonates a person or an organisation, infringes a trademark, breaks section 6, or that a court or authority requires us to act on. Where we can, we will tell you first. We may also reclaim handles on accounts that have been deleted or closed.

8. Visitors, leads, and the information you collect

If you put a contact form, email capture, or feedback form on a page or a review location, the details people submit are collected by you, for your purposes. We store them on your behalf and show them to you in the dashboard. You are the person responsible for that data under the Digital Personal Data Protection Act, 2023 and any other law that applies to you, which means it is your responsibility to:

• tell the people submitting it who you are and what you will do with it, and obtain any consent the law requires;
• use it only for the purpose they gave it;
• keep it secure once you export or copy it;
• honour requests from those people to be corrected, unsubscribed, or deleted, and tell us if a request needs us to act on our side.

We act on your instructions with respect to that data, do not use it for our own purposes, and do not send messages to the people on your lists. Our Privacy Policy describes exactly what we record about visitors to your page, which is deliberately little.

9. Cardless Reviews

If you use Cardless Reviews, the following also apply:

• You must be, or be authorised by, the business the review location represents, and the Google review link you enter must belong to that business.
• Customers are always free to leave a public review. The Service offers a happy customer a link to Google and an unhappy one a private form, but it never blocks, hides, or discourages a public review, and you may not configure or describe it as doing so. Google's own policies, the Consumer Protection Act, 2019, and any rules on misleading reviews that apply where you trade are your responsibility to comply with.
• Private feedback is a message from your customer to you. It is kept for six months and then deleted automatically, whatever plan you are on, and the customer is told so on the form. Ratings and counts are kept as numbers after the words are gone.
• Where a review location connects a Google Business Profile, the connection is read-only: we read the reviews that were published so the dashboard can count them. We never post, reply, edit, or delete anything on Google on your behalf. You can revoke the connection at any time in the dashboard or from your Google account.
• Printed review points keep working after a plan lapses. A tap or scan on a lapsed location still sends the customer to your Google review page; what stops is the rating screen, private feedback, and per-source counts, until the plan is renewed.

10. Plans, prices, and payment

10.1 Plans

The Service has a free plan and paid plans. What each plan includes is set out on the pricing page and on the Reviews page, and the dashboard shows the plan your account is on. A plan is a term of one year unless it says otherwise, and a Reviews plan is bought and expires separately from a page plan.

10.2 Prices

Prices are in Indian rupees and, for consumers, inclusive of GST unless stated otherwise. Every price published while we are in pre-release is an introductory price and will go up when we launch. If you start a plan at an introductory price, that price is yours for the year you have bought. We may change prices for any later term, and we will tell you before a renewal charges you a new amount so that you can cancel first. The free plan costs nothing while we are in pre-release, and we will never move you onto a paid plan without your agreement.

10.3 Payment

Payments are processed by our payment provider, currently Razorpay. We never see or store your full card number, UPI credentials, or bank details. By paying, you authorise the provider to charge the method you chose for the plan you selected, and you agree to the provider's own terms. The amount charged is always the catalog price of the plan you chose at the moment of purchase, as shown on the checkout screen; no other amount is ever taken.

10.4 Renewal and cancellation

Where renewal is offered, a plan renews automatically at the end of each term through the payment mandate you set up, and each successful charge extends your plan by another term. Where renewal is not offered on your account, the Service says so, and the plan simply ends at the close of the term. You can stop renewal at any time from your dashboard. Cancellation takes effect at the end of the period already paid for: you keep what you paid for until then, and nothing further is charged. Renewing early extends the plan from its current end date, so you never lose days you have already paid for.

If a renewal charge fails, we and the provider may retry it. If the retries do not succeed, the plan stops renewing and lapses at the end of its term. We do not charge late fees.

10.5 Refunds

Refunds are governed by our Refund Policy, which forms part of these terms. Chargebacks raised without first contacting us may result in suspension of the account while the dispute is resolved.

10.6 Trials and complimentary plans

We may grant trial periods (for example, when a card is claimed) or complimentary plans at our discretion. They carry no charge, need no payment method, and end on the date shown in your dashboard, after which the account returns to the free plan unless you buy a plan. A trial or complimentary plan may be withdrawn if it was obtained by breaching these terms.

10.7 What happens when a plan ends

A lapsed or cancelled plan changes what the Service serves, never what it stores. Your pages stay published and reachable. Cards keep working. Content, settings, custom styling, and analytics you were entitled to keep are retained, and features that need a paid plan simply switch off until the plan returns, at which point your previous configuration comes back. Analytics older than your current plan's retention window are deleted on the schedule in our Privacy Policy.

11. Cards

Cards and other physical products are sold through a separate online store, under that store's own terms of sale, shipping, and returns. These terms govern what happens once a card is claimed on the Service.

• A card is claimed with the code and PIN supplied with it. Keep the PIN private: anyone holding both can claim the card. Repeated wrong attempts are limited to protect cards in transit.
• A claimed card belongs to the account that claimed it and can be pointed at any page that account owns. A claim cannot be undone by the buyer; contact us if a card was claimed by someone who should not have had it.
• A card keeps working whatever plan its owner is on. Deleting a page releases the cards that point to it rather than disabling them.
• Cards depend on the phone they are tapped against supporting NFC or reading QR codes. We are not responsible for a device that cannot do so.

12. Third-party services and links

Pages can embed content from third parties (video, music, calendars, forms) and link anywhere you choose. Those services are governed by their own terms and privacy policies, we do not control them, and a page that embeds them is your choice. On plans that allow it, you may connect your own analytics or advertising tags to your page; what those tags collect is between you, your visitors, and the tag provider, and you are responsible for any disclosure or consent that requires. We may block an embed or a destination that we believe is harmful.

13. Our intellectual property

The Service, its software, design, themes, text, and the Cardless Club name and logo belong to us or our licensors and are protected by copyright, trademark, and other laws. These terms give you no right to use them except as needed to use the Service as intended. You may not copy, modify, reverse engineer, or create derivative works from the Service, or remove any notice of ownership. Where a plan lets you remove Cardless Club branding from your page, that is a feature of the plan and not a licence to present the Service as your own.

If you send us suggestions or feedback, you agree that we may use them without any obligation to you.

14. Suspension and termination

You can stop using the Service at any time. You can unpublish or delete a page from your dashboard, and you can ask us to close your account and delete its data by writing to [email protected].

We may suspend or terminate your access to all or part of the Service, with notice where we reasonably can, if:

• you breach these terms or the law;
• your content or activity exposes us, our provider, or other users to legal, security, or reputational harm;
• a payment is charged back or an amount is overdue;
• we are required to by law, a court, or a competent authority;
• we discontinue the Service or the part of it you are using, in which case we will give at least 30 days' notice and refund any unused portion of a paid term.

On termination, your right to use the Service ends. We may delete your content after a reasonable period, and sections that by their nature should survive (including 5, 8, 13, 15, 16, 17, 18, and 20) continue to apply.

15. Retention after deletion and legal holds

Deleted content is removed from the live Service promptly and from backups and caches within a short period afterwards. We may retain copies where the law requires it (for example, payment and tax records), where we need them to resolve a dispute or enforce these terms, or where a court or authority has asked us to preserve them.

16. Disclaimers

The Service is provided as is and as available. To the fullest extent the law allows, we make no warranty of any kind, express or implied, including as to merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted or error-free operation. In particular:

• analytics, counts, and ratings are estimates produced by systems designed to exclude bots and repeats, and may differ from other tools;
• we do not warrant that a third-party service we connect to (payment, email, messaging, Google, an embedded provider) will remain available or unchanged;
• we are not responsible for what a visitor, a customer, or another user does with your content, or for content published by others;
• we do not provide legal advice about the reviews, marketing, or data practices of your business.

Nothing in these terms limits any right you have under the Consumer Protection Act, 2019 or any other law that cannot be excluded by agreement.

17. Limitation of liability

To the fullest extent the law allows, Cardless Club and the people who run it will not be liable to you for any indirect, incidental, special, consequential, or punitive loss, or for any loss of profit, revenue, business, goodwill, data, or opportunity, arising from or connected with the Service or these terms, however caused and whether in contract, tort (including negligence), or otherwise, even if we were advised of the possibility.

Our total liability to you for all claims arising in any twelve-month period will not exceed the greater of the amount you paid us for the Service in that period and one thousand Indian rupees.

These limits do not apply to liability that cannot be limited by law, including liability for death or personal injury caused by negligence, or for fraud.

18. Indemnity

You will defend, indemnify, and hold harmless Cardless Club and the people who run it from any claim, demand, loss, liability, cost, or expense (including reasonable legal fees) arising from your content, your use of the Service, your collection or use of information about visitors or customers, your breach of these terms, or your breach of any law or of anyone else's rights. We may take over the defence of any such claim at our own expense, in which case you will cooperate with us.

19. Complaints, takedowns, and grievance redressal

If you believe content on the Service infringes your rights, is unlawful, or breaks these terms, write to [email protected] with the address of the page, what the content is, why it should be removed, and how we can reach you. We will acknowledge a complaint within 24 hours and act on it, or tell you why we will not, within 15 days. We may pass a copy of the complaint to the person who published the content.

The same address is our grievance channel under the Information Technology Act, 2000 and the rules made under it. We may remove content or suspend an account in response to a valid legal order without liability to the account holder.

20. Governing law and disputes

These terms, and any dispute arising out of or in connection with them or the Service, are governed by the laws of India. Before starting any proceeding, you agree to write to us and give us 30 days to resolve the matter. Subject to any right you have under consumer law to bring a claim where you live, the competent courts in India will have exclusive jurisdiction.

21. Changes to these terms

We may change these terms from time to time. For changes that materially reduce your rights or add obligations, we will give at least 15 days' notice by email or in the dashboard before they take effect. Other changes take effect when posted, and the date at the top of this page tells you when that was. Continuing to use the Service after a change takes effect means you accept it; if you do not, stop using the Service and, for a paid plan, contact us about a refund of any unused portion under our Refund Policy.

22. General

• Entire agreement. These terms, the Privacy Policy, and the Refund Policy are the whole agreement between you and us about the Service and replace any earlier understanding.
• Severability. If any part of these terms is held unenforceable, the rest continues to apply and the unenforceable part is replaced by the nearest enforceable one.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
• Assignment. You may not transfer your rights under these terms. We may transfer ours to a successor of the business on notice to you.
• Force majeure. Neither of us is liable for a delay or failure caused by events beyond reasonable control, including outages at a provider we depend on, network failures, or government action.
• Notices. We will send notices to the email address on your account. You can send notices to [email protected].
• Relationship. Nothing in these terms creates a partnership, agency, or employment relationship between you and us.

23. Contact

Questions about these terms go to [email protected], or through the contact page.