Introduction and Eligibility

These Terms and Conditions (“Terms”) govern your access to and use of CardTurf (the “Company”, “CardTurf”, “we”, “us”, or “our”) and our website at cardturf.com (the “Website”), including any services, applications, features, and content we provide (collectively, the “Service”). CardTurf operates from Ireland, and you may contact us at info@cardturf.com for any questions about these Terms. By accessing or using the Service, you confirm that you accept these Terms in full. If you do not agree with any part of these Terms, you must not use the Service. You must be at least 18 years old to use the Service. If you are registering or using the Service on behalf of a business or organisation, you represent and warrant that you have the authority to bind that entity, and references to “you” in these Terms shall also include that entity. Account registration requires you to provide accurate and complete information and to keep that information current. You are responsible for all activities that occur under your account and for keeping your login credentials secure.

Eligibility to use the Service is subject to compliance with all applicable laws and regulations. We reserve the right to refuse access, suspend, or terminate accounts where eligibility requirements are not met, or where continued use would present a risk to CardTurf, our users, or third parties. By creating an account, you agree that you are legally capable of entering into binding contracts and that you will use the Service only for lawful business or personal purposes consistent with these Terms.

Your continued access to the Service is conditional upon compliance with these Terms, our Privacy Policy, and any other applicable guidelines, policies, or supplemental terms that we may issue in relation to specific features, promotions, or programmes. These Terms apply equally to free and paid users. Failure to comply with these Terms may result in suspension or termination of your account without prior notice. Nothing in these Terms is intended to affect or limit any non-waivable rights you may have under consumer protection laws in your place of residence. If you are a consumer located in the EU/EEA, you may benefit from mandatory legal rights under applicable law, and these Terms will be interpreted accordingly.

Scope of Service and Use of Account

CardTurf provides a digital platform for creating, hosting, managing, and analysing digital business cards, landing pages, QR codes, and other related digital assets or templates (“Cards”). These services are designed to help individuals and businesses showcase their contact information, promote their brand, and integrate with external services for communication, marketing, and commerce. Our Service is strictly digital, and we do not manufacture or sell physical products such as NFC cards or plastic cards. Users may integrate their Cards with third-party services at their own discretion, including messaging platforms like WhatsApp, payment providers like Stripe, scheduling tools, or other websites. CardTurf does not control these third-party services, nor do we guarantee their availability, security, pricing, policies, or performance. Your use of third-party integrations is subject to their own terms and policies, and CardTurf bears no responsibility for any loss or damage arising from their use.

We emphasise that information provided through the Service does not constitute legal, tax, financial, or other professional advice. While we provide tools and templates to support your business activities, you remain solely responsible for ensuring compliance with applicable laws, industry regulations, and contractual obligations in your use of the Service. By registering for an account, you are granted a limited, non-transferable licence to use the Service for your own lawful business or personal purposes. You may not lease, sell, sublicense, or otherwise transfer access to the Service without our prior written consent. We reserve the right to modify, suspend, or discontinue any part of the Service at any time, subject to reasonable notice where changes materially affect paid users. All accounts must be registered and maintained in good faith. You must not impersonate another person, misrepresent your affiliation with an organisation, or create multiple accounts for deceptive or abusive purposes. We may remove, suspend, or terminate accounts where misuse or misrepresentation is identified.

Payments, Billing, and Taxes

All payments for subscriptions, upgrades, add-ons, or other purchases made through the Service are processed exclusively by third-party payment processors such as Stripe. CardTurf does not itself process or store payment instrument details, such as complete credit or debit card numbers. Instead, we rely on trusted third-party providers to securely handle all financial transactions. By using the Service, you authorise the payment processor you select to debit the payment method you provide for fees due under your account.

CardTurf does not act as a payment intermediary, money transmitter, or marketplace of record. We do not hold, escrow, or control your funds at any stage. All responsibility for the settlement of transactions, chargebacks, refunds, and related disputes rests with the payment processor. You must review and accept the terms of service and privacy policies of the relevant payment processor, as your contractual relationship in respect of financial transactions is with them, not with CardTurf.

It is your responsibility to ensure that all payment and billing details you provide are complete, accurate, and kept up to date. If payment cannot be completed due to expired cards, insufficient funds, or inaccurate billing information, your access to the Service may be suspended or terminated until the matter is resolved. We may also restrict access to paid features if invoices remain outstanding beyond the due date.

Subscription fees are billed in advance, in accordance with the billing cycle you select during registration. CardTurf reserves the right to modify the fees, introduce new charges, or change billing cycles from time to time. We will endeavour to provide reasonable prior notice of material changes to pricing or billing practices, but we are under no obligation to continue offering the Service at any particular price point indefinitely. Continued use of the Service after changes to fees or billing terms constitutes acceptance of those changes.

Except where required by applicable law, all payments are non-refundable. This means that if you cancel your subscription or downgrade to a free plan, you will not receive a refund or credit for fees already paid, unless otherwise mandated by consumer protection laws. Where refunds are available, they are administered exclusively by the payment processor under its refund policy, and CardTurf is not responsible for delays or refusals in the refund process.

If your payment is reversed, disputed, or subject to a chargeback, CardTurf reserves the right to suspend or terminate your access to the Service immediately. In addition, we may seek reimbursement for any amounts owed through invoicing, debt collection, or offsetting against any payouts due to you under programmes such as our affiliate or referral scheme. We may also apply administrative fees or recover reasonable costs incurred as a result of failed or disputed payments.

All fees displayed for the Service are exclusive of taxes unless stated otherwise. You are responsible for paying any applicable value-added tax (VAT), sales tax, use tax, duties, or other governmental levies imposed on your subscription or transactions. The obligation to determine and satisfy these taxes rests with you, though CardTurf may collect and remit taxes in jurisdictions where we are legally required to do so. Where VAT numbers or tax exemption details are provided, you must ensure they are valid and accurate.

By purchasing or activating a paid plan, you expressly request immediate access to the Service and acknowledge that you lose the EU right of withdrawal for digital content once access has begun. This waiver of the cooling-off period is a legal requirement for digital services provided on demand. However, your mandatory consumer rights under applicable EU or EEA law remain unaffected, and nothing in these Terms limits rights that cannot be excluded by law.

In summary, payments to CardTurf are facilitated through trusted third-party processors, subject to their own contractual frameworks, and all fees, billing cycles, refunds, taxes, and financial responsibilities are governed by these Terms. Your agreement to use the Service includes acknowledgement of these financial terms, and your ongoing access depends on your compliance with all payment obligations.

User Content and Intellectual Property

When using the Service, you may upload, post, or provide various materials including but not limited to text, logos, images, videos, links, brand assets, and other resources to build your digital Cards (“User Content”). You retain ownership of all intellectual property rights that you hold in your User Content. Nothing in these Terms transfers ownership of your content to CardTurf. However, by submitting User Content through the Service, you grant us a limited licence to use it in ways necessary to provide, operate, and improve the Service.

The licence you grant to CardTurf is worldwide, non-exclusive, royalty-free, and includes the right to host, reproduce, display, and distribute User Content as required to make your Cards accessible to others at your direction. This licence is limited strictly to enabling functionality of the Service and does not authorise us to sell, sublicense, or otherwise exploit your User Content outside the platform. Once you delete your account or remove User Content, we will cease to display it, except where retention is necessary for legal, security, or backup purposes.

You represent and warrant that you have all rights, licences, and permissions necessary to upload and use your User Content in connection with the Service. This means you must not upload material that infringes third-party copyright, trademarks, or other intellectual property rights. You also confirm that your User Content does not violate privacy rights, contractual obligations, or applicable laws. If a dispute arises regarding your content, you will be solely responsible for resolving it.

If you choose to upload personal data of third parties, such as employee contact details in a business card, you acknowledge that you act as the data controller of such information. You must ensure that you have a lawful basis for processing and sharing that data, including consent where required. CardTurf, in this case, acts as a data processor and processes such data only under your instructions. You agree to indemnify us against claims resulting from your failure to comply with data protection obligations when uploading personal information.

The Service itself, including its software, source code, platform architecture, templates, designs, trade dress, and trademarks, is the exclusive property of CardTurf or our licensors. These elements are protected by copyright, trademark, and other intellectual property laws. Your use of the Service grants you no rights over CardTurf’s intellectual property except for the limited, non-transferable licence required to use the platform as intended under these Terms.

Templates, design elements, and themes available within the Service are licensed solely for use inside the platform. You may use them to build and customise your Cards, but you may not copy, extract, redistribute, or resell these templates outside of CardTurf without our prior written permission. Any unauthorised use of CardTurf’s templates or designs may result in suspension of your account and legal action to protect our rights.

If you provide CardTurf with feedback, ideas, or suggestions to improve the Service, you acknowledge that we may use this input freely. By submitting feedback, you grant us a perpetual, irrevocable, royalty-free licence to incorporate your suggestions into the Service without restriction. We are not required to acknowledge you as the source of the feedback, nor do we owe you any compensation for using your ideas.

CardTurf respects intellectual property laws and expects our users to do the same. We operate a process to respond to claims of copyright infringement in accordance with applicable law. If you believe content on the platform infringes your intellectual property rights, you should notify us at info@cardturf.com with sufficient detail for us to investigate and take appropriate action. We may remove infringing content and suspend or terminate accounts found to repeatedly infringe others’ rights.

You agree not to misrepresent ownership of any content uploaded to the Service or falsely imply endorsement by CardTurf or any third party. Misrepresentation can damage trust in the platform and may expose you to liability. We reserve the right to remove content or restrict accounts where misrepresentation is identified.

Your responsibility extends to ensuring that User Content is accurate, lawful, and appropriate for display. Content that is unlawful, obscene, hateful, defamatory, or otherwise harmful may be removed at our discretion. We may also cooperate with regulators or law enforcement where unlawful User Content is identified, and we are legally required to act.

In summary, you retain ownership of your User Content but grant CardTurf a limited licence to use it in connection with the Service. CardTurf retains full ownership of its software, templates, designs, and trademarks. Both parties are committed to respecting intellectual property rights, and you agree to use the Service in compliance with all applicable laws. By uploading User Content, you confirm that you are authorised to do so and accept the risks and responsibilities associated with its use.

Acceptable Use and Prohibited Conduct

CardTurf provides its platform with the expectation that users will act lawfully, responsibly, and respectfully at all times. By using the Service, you agree not to misuse it in ways that could harm other users, disrupt the platform, or violate applicable laws. Acceptable use is essential for maintaining a secure, reliable, and fair environment for all customers. You must not use the Service for unlawful, fraudulent, or deceptive purposes. Examples of prohibited activities include impersonating another individual, misrepresenting your identity, creating false affiliations, or engaging in misleading marketing practices. Such conduct may constitute fraud and could expose you to civil or criminal liability. You must not upload or distribute malware, viruses, trojans, worms, or any other malicious code. Attempts to gain unauthorised access to non-public areas of the Service, reverse engineer our software, or disrupt security features are strictly prohibited. These actions compromise the safety of the platform and may result in immediate termination of your account. Bulk scraping, automated harvesting of data, or using bots to interact with the Service in ways not authorised by us are also prohibited. Such practices may violate data protection laws, infringe intellectual property, and damage the experience of other users. Automated load testing or publishing benchmarks without our written consent is not allowed. You agree not to use the Service to upload, host, or distribute unlawful or inappropriate content. This includes obscene, hateful, defamatory, discriminatory, or harassing material. Content that promotes violence, incites hatred, or infringes the rights of others is strictly forbidden. CardTurf reserves the right to remove any User Content that violates these standards. Misrepresentation of endorsements, partnerships, or affiliations is prohibited. You may not falsely claim that your Cards or business are associated with CardTurf, nor may you suggest sponsorship or approval where none exists. We may suspend accounts found to mislead others through misrepresentation. Users must not use the Service for high-risk or sensitive processing without a lawful basis and appropriate safeguards. This includes special category data under GDPR, such as health or biometric data, or information about children or criminal offences. Uploading such data without our consent is a material breach of these Terms. We reserve the right to investigate suspected violations of acceptable use. CardTurf may monitor use of the Service to ensure compliance and may share information with regulators or law enforcement where required by law. Enforcement actions may include warnings, content removal, throttling, suspension, or permanent termination. Failure to comply with acceptable use requirements may result in immediate termination without refund. Repeated violations or serious breaches may also give rise to legal action for damages. You are responsible for any harm caused to CardTurf, other users, or third parties due to your misuse of the Service. CardTurf exercises sole discretion in determining whether conduct violates acceptable use standards. Our failure to enforce these rules immediately does not waive our right to enforce them later. We may update acceptable use requirements from time to time, and continued use of the Service constitutes acceptance of updated terms. To conclude acceptable use of the Service requires lawful, safe, and respectful conduct. Prohibited activities include fraud, malware distribution, scraping, misrepresentation, and hosting harmful content. CardTurf reserves full discretion to act against violations to protect the platform and its users.

Data Protection, Privacy, and GDPR Compliance

CardTurf is committed to protecting personal data in line with applicable data protection laws, including the GDPR and UK GDPR. Our separate Privacy Policy sets out in detail how we collect, process, and safeguard personal data when you use the Service. By agreeing to these Terms, you acknowledge that you have read and understood our Privacy Policy. For account-related information you provide directly, such as your name, email address, billing data, and subscription details, CardTurf acts as a data controller. This means we determine the purposes and means of processing such data to manage your account, provide the Service, and comply with legal obligations. Where you upload personal data into Cards, such as employee contact details or customer information, you act as the controller of that data, and CardTurf acts as a processor. In these cases, we process data only in accordance with your instructions, as set out in these Terms and, where applicable, a Data Processing Addendum (DPA). CardTurf uses appropriate technical and organisational safeguards to protect personal data, including encryption, secure hosting, and access controls. However, no system is completely secure. You are responsible for ensuring that any data you upload is lawful, necessary, and appropriately safeguarded. Sensitive or special category data should not be uploaded without a lawful basis and adequate protections. Where international transfers occur, including transfers outside the EEA or UK, CardTurf relies on legal safeguards such as adequacy decisions, Standard Contractual Clauses, or the UK IDTA. You may request additional details about our transfer mechanisms at any time.

Service Availability, Support, and Modifications

CardTurf strives to ensure that the Service is available, functional, and reliable. However, we do not guarantee uninterrupted or error-free operation. Scheduled maintenance, emergency updates, or unexpected outages may result in temporary downtime. We will make reasonable efforts to notify you of planned maintenance that may materially impact availability. The Service is subject to continuous improvement and development. We reserve the right to add, change, or discontinue features at any time. If we discontinue a significant feature of a paid plan, we will make reasonable efforts to inform affected customers in advance. By continuing to use the Service after changes, you agree to the modified scope of the Service. Beta or experimental features may be offered to some users. These features are provided “as is,” with no guarantees as to reliability or availability, and may be modified or removed without notice. By using beta features, you acknowledge that they may be unstable or incomplete. Support is available through channels designated by CardTurf, including email or online help systems. While we aim to respond promptly, support response times may vary depending on demand, technical complexity, or subscription tier. We make no guarantee of specific response times unless explicitly agreed in writing. Your access to the Service depends on maintaining compatible systems, including up-to-date browsers and internet connectivity. CardTurf is not responsible for performance issues caused by outdated or unsupported hardware, software, or networks outside our control.

Suspension, Termination, and Enforcement

CardTurf reserves the right to suspend or terminate your account at any time if you breach these Terms, fail to pay fees, engage in fraudulent or unlawful activity, or present a risk to the security or integrity of the Service. Suspension may be temporary while issues are investigated, or permanent where breaches are serious or repeated. If you cancel your subscription, cancellation will take effect at the end of your current billing period, and no refunds will be provided unless required by law. You may continue to access the Service until the end of your billing cycle, after which your account may be downgraded or closed.

Upon termination, your licence to use the Service ends immediately, and CardTurf may delete your User Content in accordance with our data retention policy. We are not obligated to retain or provide copies of data after termination, except where required by law. Certain provisions of these Terms will survive termination, including those relating to intellectual property, warranties, disclaimers, limitations of liability, indemnities, and governing law. Termination does not relieve you of obligations accrued prior to the termination date, including outstanding payment liabilities. We may notify you of suspension or termination where possible, but we are not obliged to provide notice if immediate action is required to protect the Service, users, or legal compliance. Appeals or requests for reinstatement may be submitted to our support team, but reinstatement is at CardTurf’s sole discretion.

Liability, Disclaimers, and Risk Allocation

The Service is provided on an “as is” and “as available” basis. CardTurf disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will meet your specific needs, produce particular results, or operate without interruption or errors. To the fullest extent permitted by law, CardTurf and its officers, directors, employees, and affiliates shall not be liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, goodwill, data, or business opportunities, even if advised of the possibility of such damages.

In no event shall CardTurf’s total aggregate liability for any claims relating to the Service exceed the greater of €100 or the amount you paid to CardTurf for the Service in the twelve months preceding the claim. Some jurisdictions do not allow certain limitations of liability; in such cases, our liability will be limited to the maximum extent permitted by law.

CardTurf is not responsible for third-party services linked to or integrated with the Service. Your use of such services is at your own risk and subject to their terms and policies. We make no guarantees about the reliability, security, or availability of third-party providers.

CardTurf is not responsible for third-party services linked to or integrated with the Service. Your use of such services is at your own risk and subject to their terms and policies. We make no guarantees about the reliability, security, or availability of third-party providers. Governing Law, Dispute Resolution, and Final Provisions: These Terms and any disputes arising from them or the Service are governed by the laws of Ireland, without regard to conflict-of-law principles. For business users, you agree that the courts of Ireland, with venue in Dublin, shall have exclusive jurisdiction over disputes. If you are a consumer in the EU/EEA, you may bring claims in your country of residence where required by law. Where available, you may also access the EU Online Dispute Resolution (ODR) platform to explore dispute resolution options. However, CardTurf is not obliged to submit to alternative dispute resolution procedures unless required by applicable law. You may not assign or transfer these Terms without our prior written consent. CardTurf may assign these Terms in connection with a merger, acquisition, corporate reorganisation, or sale of assets, provided that such transfer does not reduce your rights under these Terms. If any provision of these Terms is found unenforceable, the remaining provisions will remain valid and enforceable. Failure by CardTurf to enforce any provision does not constitute a waiver of our right to enforce it later. These Terms, together with our Privacy Policy, Data Processing Addendum (where applicable), and any supplemental terms, constitute the entire agreement between you and CardTurf regarding the Service. All notices under these Terms will be provided electronically, including via email to your registered address or postings on the Website. Questions about these Terms may be directed to info@cardturf.com . Your continued use of the Service signifies acceptance of these Terms and any lawful updates made in the future.