By accessing or using Cardopia, you agree to these Terms. If you do not agree, please do not use our Services.

1. Eligibility

You must be at least 18 years old to use Cardopia. By using our Services, you represent and warrant that you meet this requirement.

2. User Responsibilities

You agree to:

• Provide accurate, current, and complete information during registration.
• Keep your login credentials secure and confidential.
• Use Cardopia for lawful purposes only and in accordance with these Terms.

You are responsible for all activities under your account.

3. Prohibited Use

You may not:

• Use Cardopia in a way that violates any applicable laws or regulations.
• Post or transmit harmful, abusive, or unlawful content.
• Reverse-engineer or attempt to extract the source code of any software within the platform.
• Use bots or automated systems to interact with our services.

4. Intellectual Property

All content on Cardopia, including logos, graphics, trademarks, and software, is the property of Cardopia or its licensors and protected under intellectual property laws. You may not use, reproduce, or distribute our content without written permission.

5. Termination

We may suspend or terminate your access to Cardopia at any time if:

• You violate these Terms;
• You misuse the platform or pose a security risk;
• Required by law or government request.

Upon termination, your right to use our Services will cease immediately.

6. Disclaimer

Cardopia is provided “as is” and “as available.” We do not guarantee uninterrupted, secure, or error-free operation. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.

7. Limitation of Liability

To the maximum extent permitted by law, Cardopia shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Services.

8. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of its courts.

9. Modifications

We may update these Terms from time to time. When we do, we will revise the “Effective Date” above. Continued use of Cardopia after changes means you accept the revised Terms.