Terms of Service

Agreement and eligibility

These Terms are between you and OpenKedge LLC, the operator of CardCura. By creating an account or using the service, you agree to them. If you do not agree, do not use the service.

You must be an adult with legal capacity to accept these Terms. You may create or manage a child profile only when you are the child’s parent, legal guardian, or otherwise authorized to do so.

What CardCura is — and is not

CardCura is a family record-keeping service for routines, programs, attendance, rewards, purchases, balances, approvals, and savings goals.

CardCura is a family record-keeping ledger, not a financial account. It holds no funds, moves no money, issues no card, and connects to no bank. Any real-world money stays with your family, and a CardCura balance cannot be redeemed from us. CardCura is not a bank, money transmitter, or payment processor.

• CardCura is not a bank, credit union, payment processor, money transmitter, or money services business.
• CardCura does not issue a debit, prepaid, credit, or other payment card.
• A displayed balance is not a deposit with CardCura and cannot be withdrawn or redeemed from CardCura.
• CardCura is not responsible for settling cash, gifts, purchases, or promises between family members.
• Nothing in the service is financial, investment, tax, legal, medical, or parenting advice.

Adult responsibility for child use

The adult account holder controls each child profile, pairing session, family role, and public savings link. You are responsible for deciding what information to enter and for obtaining any permission required from another parent or guardian.

Do not enter a child’s surname, address, phone number, email address, school, location, or other identifying details into descriptions, routine titles, goals, or other free-text fields.

A paired child device is limited but not entirely read-only: it can submit routine check-ins for adult review. Supervise the device and revoke access when it is lost, shared outside the household, or no longer used by that child.

Accounts, family roles, and security

Keep your password, pairing codes, invitations, and shared links confidential. You are responsible for activity performed through your account unless prohibited by law.

Each invited adult should use their own account. Roles may allow them to view information, approve routines or transactions, request contributions, or manage access. Invite only people you trust and review permissions when family circumstances change.

Tell us promptly at privacy@cardcura.com if you suspect unauthorized access.

Records, corrections, and approvals

You are responsible for the accuracy of amounts and descriptions entered into CardCura. A recorded reward or purchase documents a family decision; it does not create or discharge an obligation involving CardCura.

Existing ledger entries are not edited through the service. If you make a mistake, add a correcting entry. Permanently deleting a child profile deletes that child’s dependent history.

Routine rewards require an adult approval. Program rewards are recorded only when an eligible adult confirms attendance. A family admin may optionally require a second eligible adult to review purchases for a child. Changing that setting does not alter requests already in review.

Savings links and contributions

A shared savings-goal page is unlisted and view-only. Anyone with the URL may see the limited information shown on that page, so share it carefully.

A visitor to the public page cannot pay, pledge, or update CardCura. Any real-world gift or purchase is arranged directly with the family. An invited contributor with an account may submit a contribution request, but a guardian must approve it before it becomes a ledger entry.

Acceptable use

You agree not to:

• Create or manage a child record without appropriate authority.
• Use the service to solicit sensitive information from a child.
• Enter unlawful, harmful, abusive, deceptive, or privacy-invasive content.
• Attempt to access another family’s information or bypass roles, sessions, or other safeguards.
• Probe, disrupt, overload, scrape, reverse engineer, or resell the service except where applicable law expressly permits it.
• Use CardCura to operate a payment, lending, investment, gambling, or money-transfer service.

Premium features and billing

CardCura offers a free plan and may offer optional Premium features. The price, billing period, renewal terms, trial terms, and included features shown at the point of purchase control over general marketing descriptions.

When a subscription is sold through an app store or another billing provider, that provider processes payment and may control cancellation and refund procedures. CardCura receives entitlement and product information, not your full card number.

A recurring subscription renews until cancelled as disclosed at purchase. Cancel using the method shown by the billing provider. Deleting the app or stopping use does not necessarily cancel a subscription.

We may change Premium features or pricing prospectively. Material changes will be disclosed as required by law and will not retroactively change a completed billing period.

Your content and privacy

You retain your rights in information and content you provide. You grant us a limited license to host, process, back up, and display it solely to operate, secure, and support the service.

You must have the right to upload any custom child photo or other content. Do not upload content that infringes another person’s rights.

Our Privacy Policy explains what information we collect, how it is used and disclosed, and how to request access, correction, or deletion.

Third-party services and links

The service may link to retailers, app stores, or other third parties. Their products, content, availability, pricing, privacy practices, and terms are their responsibility.

A link does not mean CardCura endorses or guarantees the third party. Review the destination before sharing information or completing a purchase.

Availability and service changes

We may maintain, change, suspend, or discontinue part of the service. We aim to provide reasonable notice before a material change that removes a feature families rely on, when circumstances allow.

The service may experience interruptions, delays, or errors. Keep an independent record of information you cannot afford to lose.

Ending use and account closure

You may stop using CardCura at any time. A family admin can archive and permanently delete child profiles in the Parent Hub. To close the adult account, send a verified request to our contact email.

We may restrict or close an account that violates these Terms, creates security or child-safety risk, or must be closed by law. When appropriate and legally permitted, we will provide notice and a chance to address the issue.

Terms that by their nature should survive closure — including ownership, disclaimers, and liability limits — continue to apply.

Disclaimers and limits of liability

The service is provided “as is” and “as available,” without warranties of any kind, to the fullest extent permitted by law.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, profits, or goodwill. Our aggregate liability arising from the service is limited to the greater of the amount you paid us in the twelve months before the claim or twenty US dollars.

Some jurisdictions do not allow certain warranty exclusions or liability limits. Nothing in these Terms excludes rights or liability that cannot lawfully be excluded.

General terms and changes

If a provision is unenforceable, the remaining provisions stay in effect. A failure to enforce a term is not a waiver. You may not transfer your account or these Terms without our consent; we may transfer them in connection with a reorganization, financing, merger, acquisition, or sale of the service.

These Terms and the Privacy Policy are the entire agreement between you and us about CardCura, except for purchase terms presented by a billing provider.

We may update these Terms. We will change the effective date and provide additional notice of material changes when required. Continuing to use the service after updated Terms take effect means you accept them, except where law requires a different form of consent.

Contact

Questions about these Terms or the service can be sent to OpenKedge LLC using the details below.

• Email: privacy@cardcura.com