Terms of Service

Effective date: 2026-08-18 Last updated: 2026-08-18 These Terms of Service (the "Terms") are an agreement between you and D-Card ("we", "us") regarding your use of D-Card (the "Service"), including mobile apps, https://d-card.io, public digital cards, and related features. This document is an initial product draft and requires legal review before publication. It does not create paid subscription obligations; the MVP does not currently offer payment or billing checkout.

1. Agreement to

Terms By creating an account, accessing, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service. If you use the Service on behalf of a business, you represent that you have authority to bind that business to these Terms.

2. Eligibility

You must be able to form a binding contract under applicable law and use the Service only for lawful professional or business purposes. D-Card is intended for business and professional users, not for children. Additional eligibility rules may apply after legal review.

3. D-Card

Account To use core features you may need to register an account and verify an email and/or phone number. You agree to provide accurate registration information and to keep it reasonably up to date. Accounts are personal to you (or your organization where organizational features exist). You may not sell, rent, or transfer your account except as we expressly permit.

4. Account Security

You are responsible for safeguarding your credentials and for activity under your account. Notify us promptly at support@d-card.io or security@d-card.io if you suspect unauthorized access. We may revoke sessions, require re-authentication, or take other security measures when we detect risk. Use of biometric unlock on a device (where offered) is a convenience layer on that device; it does not replace your responsibility for account security.

5. Digital Business Cards

D-Card lets you create digital business cards using platform templates and your content. You are responsible for the accuracy and legality of information you place on a card or profile. D-Card provides software and hosting to display cards. Unless we expressly state otherwise in a verified feature, we do not independently verify business credentials, licenses, or claims shown on user cards. Card limits, template access, and feature entitlements may change as product plans evolve. We do not promise that every current feature will remain free forever. If paid plans are introduced, additional terms presented at purchase may apply.

6. Public Profiles and Sharing

You may share cards via QR code, link, or other supported channels. Sharing a public QR or link can make selected information accessible to anyone who opens it, including people without a D-Card account. You are responsible for choosing what information is appropriate to make public. Do not publish sensitive personal data of others without a lawful basis and appropriate rights.

7. User Content

"User Content" means text, images, logos, product information, gallery media, links, and other material you submit to the Service. You retain ownership of User Content you own. Platform card templates, software, design systems, and D-Card branding remain the intellectual property of D-Card or its licensors — see also /intellectual-property. You grant D-Card a worldwide, non-exclusive, royalty-free license to host, reproduce, process, display, transmit, and otherwise use User Content solely as reasonably necessary to operate, secure, improve, and provide the Service (including rendering public cards to recipients you share with). Exact license wording is subject to legal review. You represent that you have all rights needed to submit User Content and that it does not infringe others' rights or violate law.

8. User Responsibilities

You agree to:

• Use the Service lawfully and professionally
• Keep account information reasonably accurate
• Respect other users' privacy and rights
• Not misrepresent your identity or business affiliation
• Comply with the Acceptable Use Policy and Content Guidelines
• Not attempt to disrupt or reverse engineer the Service except where mandatory law permits

9. Acceptable Use

You must not misuse the Service. Prohibited activities include those listed in the Acceptable Use Policy, such as fraud, impersonation, phishing, malware, spam, abusive scraping, security attacks, IP infringement, harassment, and bypassing entitlement or access controls. We may remove content, suspend features, or terminate accounts for violations, subject to applicable law.

10. Intellectual Property The

Service, including software, APIs, documentation, visual design, and card templates, is owned by D-Card or its licensors and is protected by intellectual property laws. These Terms do not transfer ownership of platform IP to you. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your internal professional purposes. You may not copy templates for a competing product, scrape template schemas at scale, or remove proprietary notices. Your ownership of your User Content is described in Section 7.

11. Feedback

If you submit ideas, suggestions, or feedback about D-Card, you grant us the right to use that feedback without obligation to you, unless a separate written agreement says otherwise. Feedback should not include confidential third-party information.

12. Third-Party Services and Links Cards

and the website may contain links to third-party sites, maps, social networks, or services. Those services are not under our control. Your use of third-party services is governed by their terms and privacy policies. We are not responsible for third-party content or availability.

13. Availability and Changes

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue features, change entitlements, or perform maintenance. Where practical, we will provide reasonable notice of material adverse changes. MVP / free access today does not guarantee perpetual free access to every feature. Prospective plan or feature changes will be subject to applicable law and appropriate notice. We will not invent prices in these Terms.

14. Suspension and Termination

We may suspend or terminate access if you violate these Terms, create risk to the Service or other users, or if required by law. You may stop using the Service at any time. Provisions that by their nature should survive (including IP, disclaimers, and limitations) will survive termination.

15. User Account Deletion

You may request account deletion as described at https://d-card.io/account-deletion. Under the current product workflow: 1. You submit a request in the mobile app. 2. The request is PENDING until Admin review. 3. On approval, the account is soft-deleted and sessions / tokens are revoked. Deletion is not described as an immediate full hard wipe of all historical records. See the Account Deletion page and Privacy Policy for scope and retention exceptions.

16. Disclaimers THE SERVICE IS PROVIDED

ON AN "AS IS" AND "AS AVAILABLE" BASIS TO THE MAXIMUM EXTENT PERMITTED BY LAW. D-Card DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, EXCEPT WHERE SUCH DISCLAIMERS ARE PROHIBITED. We do not warrant that public business information supplied by users is accurate, complete, or verified. See also /disclaimer.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, D-Card AND ITS DIRECTORS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. OUR AGGREGATE LIABILITY FOR CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM (CURRENTLY ZERO FOR MVP FREE USE) OR (B) A NOMINAL AMOUNT TO BE CONFIRMED ON LEGAL REVIEW. Some jurisdictions do not allow certain limitations; in those cases our liability is limited to the fullest extent permitted.

18. Indemnification

LEGAL REVIEW REQUIRED. You agree to defend and indemnify D-Card against claims arising from your User Content, your misuse of the Service, or your violation of these Terms or applicable law, to the extent permitted by law. Final indemnification language requires counsel approval.

19. Governing Law These

Terms are governed by the laws of India, without regard to conflict-of-law principles, except where mandatory consumer protections apply. Placeholder tokens must be resolved before publication.

20. Dispute Resolution

LEGAL REVIEW REQUIRED. Subject to mandatory law, courts located in India shall have jurisdiction over disputes arising from these Terms. Alternative dispute resolution mechanisms (if any) will be confirmed during legal review and must not be invented here.

21. Changes to Terms

We may update these Terms. Material changes may be announced via the app, email, or website. The Effective and Last updated dates will change when a new version is published. If you continue using the Service after changes take effect, the updated Terms apply, except where law requires additional consent.

22. Contact

Questions about these Terms:

• Legal: legal@d-card.io
• Support: support@d-card.io
• Privacy: privacy@d-card.io
• Entity: D-Card
• Address: Registered office details available on request at support@d-card.io
• Website: https://d-card.io Related policies: Privacy Policy, Acceptable Use, Account Deletion, Intellectual Property.