1.0 Acceptance
By accessing or using SmartCard AI services, you enter into a binding agreement with these Terms. If you do not agree, do not use our platform. Continued use constitutes acceptance of any updates.
2.0 Eligibility
Users must be 18+ years, Indian residents with valid KYC documents (Aadhaar, PAN). Accounts are non-transferable. Each user may hold only one primary account.
3.0 AI Services
Our AI features provide recommendations, not financial advice. SmartCard AI is not a SEBI-registered advisor. Reward optimization suggestions are based on historical patterns and may not guarantee future results.
4.0 Fees Schedule
Joining fee: ₹499 (one-time). Annual fee: ₹999 (waived for first year). Late payment: ₹100 per day. International transactions: 1% markup fee. All fees include applicable GST.
5.0 Service Levels
We guarantee 99.9% uptime for core services. Scheduled maintenance occurs during low-traffic hours (2 AM - 4 AM IST). Service credits apply for unplanned downtime exceeding 1 hour.
6.0 Limitation of Liability
SmartCard AI's liability is limited to the total fees paid in the preceding 12 months. We are not liable for AI-generated recommendations that do not produce expected savings or rewards.
7.0 Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:
- limit or exclude our or your liability for death or personal injury resulting from negligence;
- limit or exclude our or your liability for fraud or fraudulent misrepresentation;
- limit any of our or your liabilities in any way that is not permitted under applicable law; or
- exclude any of our or your liabilities that may not be excluded under applicable law.
8.0 Termination
Either party may terminate with 15 days notice. Immediate termination applies for breach of terms or illegal activity. Data is retained for 90 days post-termination before permanent deletion.
9.0 Governing Law
These terms are governed by Indian law. Disputes shall be resolved through binding arbitration in Bengaluru, Karnataka under the Arbitration and Conciliation Act, 1996.