Terms of Service

These Terms of Service ("Terms") govern your use of The Cards Know mobile app, website, and related services (collectively, the "Service"), operated by Swell Apps LLC ("we", "us", "our"). By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. About The Cards Know

The Cards Know is a daily tarot practice app that provides personalized readings, a reading history, and optional journaling tools. The Service is provided for entertainment, self-reflection, and personal growth purposes only. It is not a substitute for professional medical, legal, financial, psychological, or other professional advice.

2. Eligibility

You must be at least 13 years old to use the Service. Users between 13 and 17 must have permission from a parent or legal guardian. In certain jurisdictions (including the European Union and United Kingdom), the minimum age may be higher. By using the Service, you represent that you meet these requirements.

3. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to:

• Provide accurate information during sign-up
• Keep your login credentials secure
• Notify us immediately of any unauthorized access
• Use only one account per person

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or unlawful activity.

4. Subscriptions and Payments

The Cards Know offers a free tier and paid subscription plans ("Pro"). Subscription pricing is displayed in the app before purchase and is charged in your local currency where supported.

Billing and auto-renewal. Paid subscriptions automatically renew at the end of each billing period (monthly or yearly) at the then-current rate unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple App Store, Google Play, or Stripe account (depending on the platform you subscribed through) at confirmation of purchase and at the start of each renewal period.

How to cancel. You may cancel your subscription at any time:

• iOS: Settings → [your name] → Subscriptions → The Cards Know → Cancel Subscription
• Android: Google Play Store → Profile → Payments & subscriptions → Subscriptions → The Cards Know → Cancel
• Web: Sign in at thecardsknow.com and manage your subscription from your account page

Cancellation takes effect at the end of your current billing period. You retain Pro access until that period ends.

Refunds. All purchases are final except where required by law or by the policies of the platform through which you subscribed. Refund requests for App Store purchases must be made through Apple; Google Play purchases through Google; web purchases may be requested by contacting us at hello@thecardsknow.com. We do not issue refunds for partial billing periods.

Price changes. We may change subscription prices from time to time. Any price changes will apply no earlier than your next billing period, and we will notify you before the change takes effect. If you do not agree to a price change, you may cancel your subscription.

Free trials and promotional offers. If we offer a free trial or promotional period, it will convert to a paid subscription at the end of the trial unless cancelled at least 24 hours before the trial ends.

5. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Resell, sublicense, or commercially exploit the Service or its content
• Access the Service through automated means (bots, scrapers, etc.)
• Attempt to reverse engineer, decompile, or extract the source code of the app
• Interfere with the security or integrity of the Service
• Impersonate another person or misrepresent your affiliation with anyone
• Upload or share content that is unlawful, harmful, harassing, or infringing

6. Intellectual Property

The Service, including all card imagery, interpretive text, software, design, and trademarks, is owned by Swell Apps LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes while your account is active and in good standing.

Public-domain tarot imagery used in the Service (e.g., the Rider-Waite-Smith deck) is not subject to our copyright, but specific digitizations, adaptations, and interpretive content we have created are our intellectual property.

7. User Content

You retain ownership of any journal entries, intentions, or reflections you create within the Service ("User Content"). By creating User Content, you grant us a limited license to store, display, and process that content solely for the purpose of providing the Service to you.

Your User Content is private by default. We do not publish, share, or use your User Content for marketing. See our Privacy Policy for full details.

8. Important Disclaimers

The Cards Know is for entertainment and self-reflection only. Readings are generated based on your inputs and randomized card draws. The Service should not be used as a substitute for:

• Medical diagnosis or treatment
• Mental health counseling or therapy
• Legal advice
• Financial or investment advice
• Professional consultation of any kind

If you are experiencing a medical or mental health emergency, contact a qualified professional or emergency services immediately. We make no claims about the accuracy, predictive value, or spiritual significance of tarot readings. Decisions you make based on readings are your own responsibility.

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Third-Party Services

The Service uses third-party providers for authentication, payments, analytics, and AI content generation. Your use of the Service is also subject to the terms and privacy policies of those providers. See our Privacy Policy for the full list.

10. Privacy

Your privacy is important to us. How we collect and handle your information is described in our Privacy Policy, which is incorporated into these Terms by reference.

11. Limitation of Liability

To the maximum extent permitted by law, Swell Apps LLC, its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from or related to your use of the Service, regardless of the legal theory.

Our total liability to you for any claim arising out of or related to these Terms or the Service will not exceed the greater of (a) the amount you paid us in the twelve (12) months preceding the claim, or (b) one hundred U.S. dollars ($100).

12. Indemnification

You agree to indemnify and hold harmless Swell Apps LLC and its affiliates from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another party.

13. Changes to the Service

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable to you or any third party for any such modification, suspension, or discontinuation.

14. Termination

You may stop using the Service and delete your account at any time. Instructions are available on our account deletion page. We may suspend or terminate your account if you violate these Terms, and we reserve the right to refuse service to anyone at our discretion.

Upon termination, provisions that by their nature should survive (including ownership, disclaimers, limitation of liability, and dispute resolution) will remain in effect.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles.

Informal resolution. Before filing any formal claim, you agree to first contact us at hello@thecardsknow.com and attempt to resolve the dispute informally for at least thirty (30) days.

Binding arbitration. If informal resolution fails, any dispute arising out of or related to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You and Swell Apps LLC waive the right to a jury trial and to participate in class actions. This arbitration agreement does not prevent either party from seeking injunctive relief in a court of competent jurisdiction for intellectual property infringement.

If the arbitration agreement is found unenforceable, disputes will be resolved in the state or federal courts located in Florida, and you consent to the personal jurisdiction of those courts.

16. Apple App Store Additional Terms

If you use the Service on an Apple device, you acknowledge that these Terms are between you and Swell Apps LLC only, not with Apple. Apple has no obligation to provide support for the Service and is not responsible for any claims related to the Service. Apple is a third-party beneficiary of these Terms with the right to enforce them against you.

17. Google Play Additional Terms

If you use the Service on an Android device, your use is also subject to the Google Play Terms of Service. Google has no obligation to provide support for the Service.

18. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service. Your continued use of the Service after changes take effect means you accept the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may delete your account.

19. Miscellaneous

• Entire agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Service.
• Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
• No waiver: Our failure to enforce any right or provision is not a waiver of that right or provision.
• Assignment: You may not assign these Terms without our written consent. We may assign these Terms without restriction.

20. Contact

Questions about these Terms? Email us at hello@thecardsknow.com.