Welcome to SmartCard™ (“SmartCard,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the SmartCard website, mobile application, and related products or services (collectively, the “Services”). By accessing or using SmartCard, you agree to these Terms. If you do not agree, please do not use the Services. 1. Eligibility To use SmartCard, you must: Be at least 18 years old (or the age of majority in your jurisdiction); Have the legal capacity to enter into a binding contract; Not be prohibited from using the Services under applicable law. 2. Description of Services SmartCard™ provides a digital financial platform designed to help users automate, manage, and track spending, savings, and growth. Features may include: Smart financial automation tools (budgeting, saving, investing); Custom spending rules and programmable transactions; Cashback and rewards programs; Access to personalized dashboards and insights. Disclaimer: SmartCard is not a bank. Banking services are provided by our licensed financial partners. Certain features (such as deposits, withdrawals, or card issuance) are subject to third-party terms. 3. Account Registration When creating an account, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. If you believe your account has been compromised, notify us immediately at support@smartcard.app . 4. Fees and Payments Some Services may require payment of fees or subscriptions. By using paid features, you agree to pay all applicable charges and authorize SmartCard or its payment processor to charge your selected payment method. Fees are non-refundable except as required by law. 5. Intellectual Property All content on SmartCard—including trademarks, logos, graphics, software, and text—is the property of SmartCard™ or its licensors and is protected by intellectual property laws. You may not reproduce, modify, distribute, or exploit any content without our express written permission. 6. User Conduct You agree not to: Use the Services for unlawful, fraudulent, or malicious activity; Attempt to gain unauthorized access to any SmartCard system or data; Misrepresent your identity or impersonate another person; Use automated scripts or bots without authorization. Violation of these terms may result in suspension or termination of your account. 7. Third-Party Services SmartCard integrates with third-party platforms (such as banking APIs, analytics tools, or blockchain providers). We are not responsible for the availability, accuracy, or security of third-party services, nor for any damages resulting from their use. 8. Disclaimer of Warranties The Services are provided “as is” and “as available.” SmartCard makes no warranties, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted or error-free operation of the Services. 9. Limitation of Liability To the fullest extent permitted by law: SmartCard™ shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services. Our total liability shall not exceed the amount you paid to use the Services within the past 12 months. 10. Indemnification You agree to indemnify, defend, and hold harmless SmartCard™, its affiliates, officers, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the Services or violation of these Terms. 11. Termination We reserve the right to suspend or terminate your access at any time for any reason, including violation of these Terms. Upon termination, all rights granted to you will immediately cease. 12. Governing Law These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Los Angeles County, California. 13. Changes to These Terms We may modify these Terms at any time. Updates will be posted on this page with a new “Last Updated” date. Continued use of the Services after such changes constitutes acceptance of the revised Terms.