Last Updated: April 01, 2026

Please read these Terms of Service ("Terms") carefully before using the Secure Card Wallet mobile application ("the App"), independently developed and operated by me, the developer ("I", "my", or "me").

Your access to and use of the App is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all users and others who access or use the App.

By accessing or using the App you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the App.

1. App Usage & Offline Nature

Secure Card Wallet is designed as an offline digital wallet. This means:

• The App stores your sensitive data locally on your device.
• I do not operate servers to host, sync, or transmit your data.
• Your data is never uploaded to any cloud service automatically unless you perform a local backup and choose to store it yourself.

2. User Responsibilities & Data Security

Because the App operates entirely offline, you acknowledge that:

• Local Backups: It is your sole responsibility to create and securely store backups of your data. If you delete the app, reset your device, or lose your device, your data will be permanently lost unless you have previously exported a backup.
• Backup Passwords: You are fully responsible for remembering the password you set for encrypting backups. I cannot recover lost passwords or decrypt backups for you.
• Device Security: You are responsible for maintaining the physical and digital security of the device on which the App is installed (e.g., maintaining device locks, PINs, or biometrics).

3. In-App Purchases & Subscriptions

Some features of the App may be offered via an in-app purchase or subscription. All purchases are handled securely through the Google Play Store billing system. I do not have access to your payment instrument details. By making a purchase, you agree to Google Play's own set of terms and conditions relating to payments.

Refunds or cancellations are subject to the policies set forth by the Google Play Store.

4. Disclaimer of Warranties

The App is provided on an "AS IS" and "AS AVAILABLE" basis. I make no representations or warranties of any kind, express or implied, regarding the operation of the App or the security, accuracy, or integrity of the data stored within it.

I do not guarantee that the App will meet your specific requirements, be uninterrupted, timely, or completely error-free.

5. Limitation of Liability

In no event shall I (the developer), nor any associated partners, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of data, loss of profits, device corruption, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the App; (ii) any conduct or content of any third party on the App; (iii) the loss of any encrypted backups or passwords; or (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory.

6. Intellectual Property

The App and its original content, features, and functionality are and will remain my exclusive property. The App is protected by copyright, trademark, and other laws of the jurisdictions. My trademarks and trade dress may not be used in connection with any product or service without prior written consent.

7. Changes

I reserve the right, at my sole discretion, to modify or replace these Terms at any time. If a revision is material I will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at my sole discretion.

By continuing to access or use the App after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Us

If you have any questions about these Terms, please contact me:

By email: appverse.wallet@gmail.com