These Terms of Use (Terms) form a legal agreement governing your access to and use of Card Manager (the App), including any version made available through a testing programme such as TestFlight.
Card Manager is provided by its developer (the Developer, we, us, or our).
1. Agreement and eligibility#
By selecting Continue, downloading, accessing, or using the App, you agree to these Terms. If you do not agree, do not use the App.
You must be at least 13 years old. If you are under 18, a parent or legal guardian must review and agree to these Terms with you and supervise your use as appropriate. Anyone accepting these Terms for another person or an organisation confirms that they have authority to do so.
2. App licence and platform terms#
The App is licensed, not sold. Subject to these Terms and applicable platform terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable licence to use the App on devices that you own or control for lawful, non-commercial purposes.
Apple's Standard Licensed Application End User License Agreement applies except to the extent these Terms contain additional terms that are not inconsistent with it. The licence transfers no ownership of the App or intellectual-property rights to you.
3. Acceptable use#
You must not:
- use the App unlawfully, fraudulently, or in a way that infringes another person's rights;
- compromise or attempt to bypass any security, access control, technical restriction, or platform safeguard;
- interfere with the operation, integrity, or availability of the App or any related service;
- reverse engineer, decompile, disassemble, copy, modify, distribute, sell, lease, sublicense, or create derivative works from the App, except where applicable law or an open-source licence does not permit that restriction;
- introduce malicious code or harmful material; or
- misrepresent your identity, authority, or relationship with another person.
4. Your responsibilities#
You are responsible for the information you enter, import, export, back up, or share; your right to use that information; and the security and suitability of your device. You must review information, calculations, and imported records before relying on them and keep independent records and backups appropriate to your needs.
Do not store full payment-card numbers, security codes, banking credentials, one-time passwords, Hong Kong identity card information, or other secrets that the App does not require.
5. Beta software#
Any version supplied through a testing programme is pre-release software made available for testing, evaluation, and improvement. It may be incomplete, contain errors, change without notice, be incompatible with later versions, or never become generally available. You must not use a testing version as the sole record of a payment, deadline, obligation, entitlement, or other important matter.
Access to a testing programme is by invitation or authorisation and does not create any right to continued participation. To the extent permitted by law, we may, in our sole discretion, modify, limit, suspend, or terminate access; withdraw or expire a build; or discontinue a programme at any time, with or without notice and without giving a reason.
6. Local data and backups#
The App is designed primarily to keep app content on your device. We do not operate a remote recovery service for that content. Resetting or removing the App, changing devices or builds, restoring a device, software failure, or insufficient storage may affect or delete local information. You are responsible for device access controls and for protecting and retaining any backup or export you create.
7. Financial-information disclaimer#
The App is an organisational and informational tool. It is not a bank, payment service, financial institution, financial adviser, accountant, credit-reference service, or substitute for professional advice. It does not execute payments or transactions.
Information and results—including dates, balances, fees, exchange rates, rewards, eligibility, and projections—may be estimated, delayed, incomplete, inaccurate, or out of date. They may depend on information supplied by you or an external source and on assumptions that do not apply to you. Issuer records and the applicable product or programme terms remain authoritative. You are responsible for independently verifying important information and meeting your obligations directly.
8. External services and content#
The App may rely on, interact with, or link to external services, information, content, or websites. We do not control them and do not endorse or warrant their availability, accuracy, completeness, security, legality, or terms. Your use of an external service is at your own risk and may be governed by separate terms and privacy notices.
Third-party names and marks belong to their respective owners. A reference to an issuer, programme, service, or product does not imply endorsement, sponsorship, partnership, or warranty.
9. Intellectual property and feedback#
The App, its software, design, documentation, and original content are owned by the Developer or its licensors and are protected by applicable intellectual-property laws. All rights not expressly granted are reserved.
If you provide ideas or feedback, you grant us a worldwide, perpetual, irrevocable, royalty-free right to use, reproduce, modify, and incorporate them for any lawful purpose without payment. This does not transfer ownership of personal information or other content submitted for support, and we will not publicly identify you as the source without permission.
10. Privacy#
Our Privacy Policy and Personal Information Collection Statement explain how personal data is handled. Acknowledging a privacy notice is not, by itself, consent to a use that requires separate consent by law.
11. Availability, changes, charges, and termination#
To the extent permitted by law, we may, in our sole discretion, update, modify, replace, restrict, suspend, or discontinue the App or any feature, content, or level of access at any time. We do not promise that any function or version will remain available.
We may decide that the App, any part of it, or any current or future feature will be offered only under a paid subscription, licence, one-time purchase, or other paid arrangement. Free access does not create a right to continued free access. Any charge will be subject to the price, purchase process, and additional terms disclosed before purchase; an update to these Terms alone does not authorise an automatic charge.
You may end these Terms by stopping use and deleting the App. We may suspend or terminate your licence if you breach these Terms, misuse the App, create a security or legal risk, or if we cease distribution. Rights and provisions which by their nature should survive termination will continue.
12. Disclaimers#
To the fullest extent permitted by law, the App and any testing version, documentation, output, content, or related service are provided “as is” and “as available.” You use them at your own risk.
We exclude all express, implied, statutory, and other warranties, conditions, representations, and guarantees to the extent they may lawfully be excluded, including those concerning satisfactory quality, merchantability, fitness for purpose, title, non-infringement, accuracy, availability, security, and compatibility. We do not warrant uninterrupted or error-free operation, correction of defects, preservation of data, or compatibility with every device, operating system, build, or external service.
Nothing in these Terms excludes or limits any right, remedy, warranty, condition, or liability that cannot lawfully be excluded or limited.
13. Liability#
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited.
Subject to that qualification and to the fullest extent permitted by law, the Developer is not liable for:
- indirect, incidental, special, punitive, or consequential loss;
- loss of profit, revenue, business, opportunity, goodwill, anticipated savings, or data;
- financial consequences arising from information or results that were not independently verified;
- loss or corruption of local information where reasonable device, storage, export, or backup precautions were not maintained; or
- interruption, delay, failure, withdrawal, or change caused by an external service or an event beyond our reasonable control.
Where we are legally responsible, our liability is limited to loss directly caused by the relevant breach and reasonably foreseeable in the circumstances, subject always to applicable law.
14. Indemnity#
To the extent permitted by law, you will indemnify the Developer against third-party claims, liabilities, losses, and reasonable costs arising directly from your unlawful or fraudulent use of the App, your material breach of these Terms, your infringement of another person's rights, or information or content you supply without the right to do so. This indemnity does not apply to ordinary permitted use or to the extent a claim was caused by the Developer.
15. Governing law and disputes#
These Terms and any non-contractual dispute arising from them are governed by the laws of the Hong Kong Special Administrative Region. Subject to any mandatory right that cannot lawfully be excluded, you and the Developer submit to the exclusive jurisdiction of the courts of Hong Kong.
Please contact us first so that we have a reasonable opportunity to address a concern informally.
16. General terms#
These Terms and the applicable platform licence terms constitute the agreement concerning use of the App, without limiting rights or statements that applicable law requires to remain effective. If any provision is unlawful or unenforceable, it will be limited or removed only to the minimum extent necessary, and the remainder will continue. A delay in enforcing a right is not a waiver.
You may not transfer your rights or obligations without our written consent. We may transfer the App or these Terms as part of a lawful reorganisation, financing, or transfer of the product, provided that this does not reduce rights that cannot lawfully be reduced.
Except for Apple and its subsidiaries to the extent provided by applicable platform terms, a person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce them.
17. Changes and contact#
We may update these Terms to reflect changes to the App, distribution arrangements, business model, risk, or legal requirements. We will identify the current version, effective date, and a concise change summary. If continued use requires agreement to revised Terms, the App will present them before normal use continues. A change will not apply retroactively unless required by law or expressly agreed.
Contact us at cardmanager@fishneko.com.