Terms of Use

1. Acceptance of Terms

By accessing and using AskCard.io (the "Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this service.

Agreement Updates

We reserve the right to update these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.

2. Service Description

AskCard.io is an AI-powered spiritual guidance platform that provides:

• Tarot Readings: Personalized tarot card readings using artificial intelligence
• Multiple Reading Types: Various reading formats for different life situations
• Interactive Experience: Card selection and interpretation tools
• Account Management: User profiles, preferences, and reading history
• Educational Content: Information about tarot, spirituality, and personal growth
• Community Features: Sharing and discussion capabilities

Available Reading Types

Our platform offers specialized readings including:

• Daily guidance and general life questions
• Love and relationship advice
• Career and financial guidance
• Health and wellness insights
• Spiritual and personal growth guidance
• Dream interpretation and analysis
• Astrological compatibility readings
• Chakra alignment and energy work

3. User Eligibility and Account Requirements

Age Requirements

To use AskCard.io, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into these terms
• Not be prohibited from using the service under applicable laws
• Provide accurate and complete information when creating an account

Account Registration

When creating an account with AskCard.io, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use
• Use only one account per person

Account Security

You are responsible for maintaining the security of your account and password. AskCard.io cannot and will not be liable for any loss or damage arising from your failure to comply with this security obligation.

4. Acceptable Use Policy

You agree to use AskCard.io only for lawful purposes and in accordance with these terms. You agree not to:

Prohibited Activities

• Use the service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Transmit any harmful, threatening, or offensive content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service or servers
• Use automated systems to access the service without permission
• Impersonate any person or entity
• Collect or harvest any personally identifiable information
• Reverse engineer or attempt to extract source code
• Create derivative works based on our service
• Use the service to compete with AskCard.io
• Share account credentials with third parties

Content Guidelines

When using our service, you must not:

• Submit questions or content that is illegal, harmful, or offensive
• Use the service to harass, threaten, or intimidate others
• Share personal information of others without consent
• Attempt to manipulate or game the reading system
• Use the service for commercial purposes without permission

5. Content, Readings, and Disclaimers

Nature of Readings

AskCard.io provides tarot readings and interpretations generated by artificial intelligence. Please understand that:

• Readings are for entertainment and guidance purposes only
• Results should not be considered as professional advice
• AI-generated content may not always be accurate or applicable
• Readings should not replace professional consultation for serious matters
• Individual results may vary based on personal circumstances

No Professional Advice

The content generated by our Service does not constitute professional advice in any field, including but not limited to:

• Medical Advice: It is not a substitute for diagnosis, treatment, or consultation with a qualified healthcare professional.
• Legal Advice: It is not a substitute for consultation with a licensed attorney.
• Financial Advice: It is not a substitute for advice from a qualified financial advisor.
• Psychological Advice: It is not a substitute for therapy, counseling, or treatment from a mental health professional.

Always seek the advice of a qualified professional with any questions you may have regarding a medical, legal, financial, or psychological condition. Never disregard professional advice or delay in seeking it because of something you have read on this Service.

Assumption of Risk and User Responsibility

You acknowledge and agree that you are solely responsible for your use of the Service and any decisions or actions you take based on the content provided. You assume full responsibility for any and all risks associated with your use of the Service.

• You are responsible for using your own judgment and critical thinking when interpreting any reading.
• You agree that any choices or actions you make are your own and that AskCard.io is not responsible for the consequences of those actions.
• You understand that tarot reading is a subjective art and that interpretations can vary widely.

No Guarantee of Accuracy or Outcome

While we strive to provide a high-quality experience, we make no guarantees, representations, or warranties of any kind regarding the accuracy, reliability, completeness, or applicability of the content provided by the Service. AI-generated content is probabilistic and may contain inaccuracies, errors, or omissions. We do not guarantee any specific outcome or result from your use of the Service.

Release of Liability

By using this Service, you hereby agree to release and hold harmless AskCard.io, its parent company, subsidiaries, affiliates, officers, directors, employees, and agents from any and all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with your use of the Service and the content it provides. You expressly waive any rights you may have under any statute or common law principle that would limit the scope of this release.

User-Generated Content

When you submit questions or interact with our service, you grant AskCard.io:

• A non-exclusive, royalty-free license to use your content
• The right to modify and display your content for service provision
• Permission to analyze your content for service improvement
• The right to use anonymized data for research and development

Intellectual Property

You retain ownership of your questions and personal content, but you acknowledge that:

• All readings and interpretations become part of your service experience
• We may use aggregated, anonymized data for service improvement
• Our AI models and algorithms remain our proprietary technology

6. Payment Terms and Subscription

Pricing and Billing

For premium features and services:

• All payments are processed securely through Stripe
• Subscription fees are billed in advance
• Prices are subject to change with 30 days notice
• You are responsible for all applicable taxes
• Failed payments may result in service suspension

Subscription Management

You can manage your subscription through your account settings:

• Upgrade or downgrade your plan at any time
• Cancel your subscription with immediate effect
• Access billing history and receipts
• Update payment methods and billing information

Refund Policy

Our refund policy includes:

• 30-day money-back guarantee for new subscribers
• Prorated refunds for downgrades within billing period
• No refunds for partial month usage after cancellation
• Refunds processed within 5-10 business days

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use AskCard.io.

By using our service, you agree to the collection and use of information in accordance with our Privacy Policy.

Data Collection

We collect information to provide and improve our services:

• Account information and preferences
• Reading history (if enabled by you)
• Usage patterns and analytics
• Payment and billing information

Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Delete your account and data
• Export your data in portable format
• Opt out of marketing communications

8. Intellectual Property Rights

AskCard.io and its content are protected by copyright, trademark, and other intellectual property laws.

Our Rights

You acknowledge that:

• All content on the service is owned by AskCard.io or its licensors
• Our trademarks and logos may not be used without authorization
• The service design, features, and functionality are proprietary
• AI models and algorithms are our trade secrets

Your Rights

You retain rights to:

• Your original questions and personal content
• Your account data and preferences
• Your reading history and personal interpretations

Copyright Policy

We respect intellectual property rights and expect our users to do the same. If you believe your copyright has been infringed, please contact us with:

• Description of the copyrighted work
• Location of the allegedly infringing material
• Your contact information
• A statement of good faith belief
• A statement of accuracy under penalty of perjury

9. Disclaimers and Warranties

AskCard.io is provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including:

Service Disclaimers

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy or reliability of readings
• Warranties that the service will be uninterrupted or error-free
• Warranties regarding the security of your data
• Warranties about the availability of specific features

Reading Disclaimers

AI Technology Limitations

Our AI-powered readings:

• Are based on algorithms and may not always be accurate
• Cannot predict the future with certainty
• Should be interpreted as guidance, not absolute truth
• May vary in quality and relevance

10. Limitation of Liability

To the maximum extent permitted by law, AskCard.io shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Excluded Damages

• Loss of profits, data, or business opportunities
• Damages resulting from your use of the service
• Damages from decisions made based on readings
• Damages from service interruptions or technical issues
• Damages from unauthorized access to your account
• Damages from third-party actions or content

Liability Cap

Our total liability for any claims shall not exceed the amount you paid for the service in the 12 months preceding the claim.

Indemnification

You agree to indemnify and hold harmless AskCard.io from any claims, damages, or expenses arising from:

• Your use of the service
• Your violation of these terms
• Your violation of any third-party rights
• Your negligent or wrongful conduct

11. Termination

These terms remain in effect until terminated by either party.

Termination by You

You may terminate your account at any time by:

• Deleting your account through settings
• Contacting our support team
• Canceling your subscription

Termination by Us

We may terminate your access to AskCard.io at any time for any reason, including:

• Violation of these terms of use
• Fraudulent or illegal activity
• Abuse of our service or other users
• Non-payment of fees
• Prolonged inactivity
• Technical or security concerns

Effect of Termination

Upon termination:

• Your right to use the service ceases immediately
• Your account data may be deleted after 30 days
• Outstanding payments remain due
• Provisions regarding intellectual property and liability survive

12. Governing Law and Dispute Resolution

Governing Law

These terms are governed by and construed in accordance with the laws of the jurisdiction where AskCard.io operates, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these terms or your use of the service shall be resolved through:

1. Informal Resolution: Contact our support team first
2. Mediation: Good faith mediation if informal resolution fails
3. Arbitration: Binding arbitration for unresolved disputes
4. Courts: Appropriate courts of competent jurisdiction as a last resort

Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

13. Changes to Terms

We reserve the right to modify these terms at any time. When we make changes, we will:

• Post the updated terms on our website
• Update the "Last Updated" date
• Notify users of significant changes via email or service notification
• Provide a reasonable notice period for material changes
• Maintain previous versions for reference

Your continued use of AskCard.io after changes become effective constitutes acceptance of the new terms.

14. Miscellaneous Provisions

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and AskCard.io.

Assignment

You may not assign these terms without our written consent. We may assign these terms at any time.

Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control.