Terms of Service

1. Agreement to Terms

By accessing or using Cardia (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use the Service. Cardia is operated by JNAB Tech Solution, a business registered in Ghana.

2. Description of Service

Cardia provides a digital business card platform that allows users to:

• Create and customize a digital profile accessible via NFC card tap or URL
• Share contact information, links, and professional details
• Purchase physical NFC cards linked to their digital profile
• Capture leads from profile visitors
• Manage and share a digital profile

3. Account Registration

To use Cardia, you must:

• Be at least 18 years old
• Provide accurate, complete, and current information during registration
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use of your account

You are responsible for all activity that occurs under your account.

4. Subscriptions and Payments

4.1 Free and Paid Plans

Digital profiles are free at launch. Paid profile plans and subscriptions are not currently offered. Physical NFC cards are one-time purchases; the price and available payment methods are shown before you place an order.

4.2 Payment Terms

• All prices are in Ghana Cedis (GH₵) unless otherwise stated
• Physical NFC cards are billed as one-time purchases
• Online payments are processed through Paystack when that payment option is available at checkout
• All sales are subject to applicable Ghanaian taxes

5. Product Orders and Delivery

5.1 NFC Card Orders

When you order a physical NFC card:

• Current estimate within Accra: 2–3 business days
• Current estimate outside Accra: 3–5 business days
• Delivery fee: Free within Accra, GH₵30 outside Accra

Delivery estimates may vary by destination and order. We will confirm the applicable delivery fee and expected timing before an order is placed.

5.2 Order Cancellation

Cash-on-delivery orders may be cancelled within 72 hours of placing them while their status is pending or confirmed. Use the order tracking page or contact us at hello@cardia.me. Orders paid online cannot currently be cancelled through the tracking page; contact support to request cancellation. A refund is not automatic and will be handled separately after review.

5.3 Returns and Refunds

• If a card arrives damaged or defective, contact us within 7 days so we can review the issue and discuss the available resolution.
• Contact us before returning a product. Any remedy is subject to review, applicable law, and the circumstances of the order.
• For online payments, a cancellation request does not itself initiate or guarantee a refund. Contact Cardia support for assistance.

6. Acceptable Use Policy

You agree NOT to use Cardia to:

• Violate any applicable laws or regulations
• Impersonate another person or entity
• Post or share illegal, harmful, abusive, defamatory, or obscene content
• Distribute spam, malware, or phishing links
• Engage in fraudulent activity or misrepresent yourself
• Scrape, harvest, or collect data from other users without permission
• Interfere with or disrupt the Service or its servers

We reserve the right to suspend or terminate accounts that violate this policy.

7. Intellectual Property

7.1 Cardia's Intellectual Property

Cardia's name, logo, branding, software, design, and all content on the platform are owned by JNAB Tech Solution and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.

7.2 Your Content

You retain ownership of all content you upload to Cardia (profile photos, logos, bio text, links). By uploading content, you grant us a worldwide, non-exclusive, royalty-free license to use, display, and distribute your content solely for the purpose of providing the Service.

7.3 User Responsibility

You represent that you own or have the necessary rights to all content you upload. You are responsible for ensuring your content does not infringe on third-party intellectual property rights.

8. Privacy and Data Protection

Your use of Cardia is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data in accordance with the Ghana Data Protection Act, 2012 (Act 843).

9. Limitation of Liability

To the maximum extent permitted by Ghanaian law:

• Cardia is provided “as is” without warranties of any kind, express or implied
• We do not guarantee that the Service will be uninterrupted, secure, or error-free
• We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Service
• Our total liability to you for any claim arising from these Terms or the Service shall not exceed the amount you paid us in the 12 months preceding the claim

10. Indemnification

You agree to indemnify and hold harmless JNAB Tech Solution and its officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of Cardia, your violation of these Terms, or your violation of any third-party rights.

11. Termination

We may suspend or terminate your account at any time if:

• You violate these Terms or our Acceptable Use Policy
• Your payment fails or your account is past due
• We suspect fraudulent or illegal activity
• We are required to do so by law

Upon termination, your right to use the Service immediately ceases. We are not liable for any loss or damage resulting from termination.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of Ghana. Any disputes arising from these Terms or your use of Cardia shall be resolved as follows:

• Informal Resolution: Contact us first at legal@cardia.me to resolve the dispute informally
• Mediation: If informal resolution fails, the parties agree to attempt mediation before pursuing litigation
• Jurisdiction: Any legal action must be brought in the courts of Ghana

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through a notice on the Service. Continued use of Cardia after changes take effect constitutes acceptance of the revised Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable under Ghanaian law, the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and JNAB Tech Solution regarding your use of Cardia.

16. Contact Information

If you have questions about these Terms, contact us: