# Terms and Conditions for IntelliCard

**Effective date:** March 12, 2026

**Version:** 1.1

## 1. Acceptance
By using IntelliCard, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the app.

## 2. Local Profiles and Access
IntelliCard can be used with a guest profile, a local email/password profile, or Sign in with Apple on supported devices. These profiles are for access on your device and do not create a managed banking, lending, or custodial account with IntelliCard.

## 3. Informational Use Only
IntelliCard provides budgeting, tracking, planning, and recommendation tools for informational purposes only. It is not financial, legal, tax, investment, or credit advice.

## 4. No Bank or Lender Relationship
IntelliCard is not a bank, card issuer, lender, broker, or credit bureau. We do not make lending decisions and do not act on your behalf with any card issuer.

## 5. User Responsibility
You are responsible for the accuracy of the data you enter or import, for reviewing recommendations before acting on them, and for securing your device, passcodes, biometrics, and any backup passphrases or exported files.

## 6. OCR, Statement Import, and Categorization Limits
Receipt scanning, PDF statement import, merchant detection, categorization, and recommendation logic use OCR, parser rules, heuristics, and local calculations that may be incomplete or wrong. You should verify merchants, amounts, statement details, due dates, and categories before saving or acting on them.

## 7. Widgets, Reminders, and Notifications
Widget content, reminders, and local notifications are convenience features only. They may be delayed, unavailable, hidden by device settings, or stale, and they do not replace reviewing your actual card statements and account obligations.

## 8. Backups, Exports, and Manual Sharing
If you create an encrypted backup, export a file, share diagnostics, or send feedback email, you are responsible for the destination you choose and for protecting any copied file or message outside the app. IntelliCard does not control third-party storage, mail, or share targets you select.

## 9. Third-Party and Device Services
Some features depend on Apple or device services, such as Sign in with Apple, Face ID or biometrics, document picking, notifications, widgets, and mail or browser apps. Production releases may also use Sentry for technical crash diagnostics. Those services are governed by their own terms and availability.

## 10. Availability and Changes
We may modify, suspend, or discontinue features at any time. We may also update these Terms by publishing a revised version with a new effective date.

## 11. Local Data Deletion and Account Removal
You may stop using IntelliCard at any time. Using the app's delete-account or reset options removes local data from the device for the selected profile or app installation, but does not retract files, emails, or backups you already shared elsewhere.

## 12. Warranty Disclaimer
The app is provided "as is" and "as available" without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, merchantability, or non-infringement.

## 13. Limitation of Liability
To the fullest extent permitted by law, IntelliCard is not liable for indirect, incidental, special, consequential, punitive, or purely financial losses arising from your use of the app, including missed reminders, inaccurate recommendations, import errors, or lost access to local data or backup files.

## 14. Contact
If you have questions about these Terms, contact support@intellicard.org.