1. Scope and acceptance
These Terms of Use (the "Terms") govern your use of the CardDue mobile application identified above (the "App"). By downloading, installing or using the App you accept these Terms. If you do not accept them, do not use the App and remove it from your device.
You may use the App if you are over 18 and have legal capacity to enter into a contract. The App is not directed at children.
For how your personal data is processed, see the Privacy Policy, which forms an integral part of these Terms.
2. Description of the service
CardDue is a personal tracking and reminder tool in which you record your credit card debts and payments manually. It lets you list your cards, enter statement debt and minimum payment amounts, record payments, receive local reminders on your device as a due date approaches, and view simple statistics.
The following are explicitly outside the scope of the App:
- The App does not provide financial, investment or credit advice. The amounts and summaries on screen are informational figures computed solely from the data you entered.
- The App does not connect to any bank or financial institution, does not retrieve account information and does not download statements.
- The App does not make payments or transfer money and is not a payment service provider.
- The App does not offer or broker credit, credit cards or any other financial product.
You are solely responsible for the accuracy and currency of the data you enter. Paying your card debts to your bank on time is likewise solely your responsibility. A reminder that does not arrive, arrives late, or shows an incorrect amount does not relieve you of your payment obligation. Your bank's own statement and records are always the final and binding source.
Reminders are local notifications scheduled on the device. Because the "exact alarm" permission is deliberately not requested on Android 12 and above, reminder timing is not guaranteed to minute-level precision. Operating system battery optimisation, do-not-disturb mode, revoked notification permissions or a powered-off device may delay reminders or prevent them from appearing at all.
3. Free and Pro tiers
The core tracking features of the App are free. Some advanced features require a Pro subscription or a lifetime licence.
| Feature | Free | Pro |
|---|---|---|
| Active cards | Up to 2 | Unlimited |
| Reminders | Default schedule | Per-card day/time customisation |
| Statistics | Period summary and per-card breakdown | 6- and 12-month payment charts |
| Export (JSON/CSV) | — | Included |
| App lock (PIN + biometrics) | — | Included |
| Multiple currencies | TRY only | Supported currencies |
The free-tier card limit applies only when adding a NEW card. Your existing cards are never retroactively locked, hidden or deleted. Even if your Pro subscription ends, you keep viewing and editing the cards you already added; you simply cannot add new cards beyond the limit. The same principle applies to the app lock: a lock that is already enabled is not switched off on its own.
The feature list and tier limits may be changed within reason as the App develops.
4. Subscriptions, auto-renewal and cancellation
- Pro subscriptions (monthly and yearly) are auto-renewing subscriptions.
- Purchase and billing are handled entirely by Google Play or the Apple App Store through your store account. You never enter payment details into the App.
- Prices are not hard-coded in the App; the price you see is retrieved from the store according to your country and the store configuration. Taxes are applied according to store rules.
- A subscription renews automatically and is charged to your store account unless it is cancelled at least 24 hours before the end of the current period.
- Cancellation is done in your store account's subscription settings, not in the App (Google Play → Subscriptions; App Store → Settings → Subscriptions). Cancellation takes effect at the end of the period you have already paid for; Pro features remain available until then.
- Uninstalling the App does not cancel a subscription. You must cancel it through the store.
- Refunds are handled under the refund policies of Google Play and the App Store. As the publisher we cannot directly refund a purchase made through a store; refund requests must be submitted to the relevant store.
If verification of a subscription is delayed by connectivity problems, Pro features may remain available for a limited additional period (7 days). This is not an entitlement but a technical tolerance intended to protect offline use.
5. Lifetime purchase
The lifetime licence is a one-time purchase and does not renew. "Lifetime" means access to Pro features for as long as the App remains available to the store account used for the purchase; it does not constitute a promise of perpetual service. Access may be affected if the App is withdrawn from the store, if store policies change, or if operating system compatibility ends.
When you change devices or reinstall the App, you can bring your purchases back with the "Restore purchases" action inside the App, using the same store account.
6. Your use of the App
You agree to use the App only for lawful, personal purposes. In particular, you agree not to:
- reverse engineer, decompile, copy or redistribute the App;
- use any tool or method intended to bypass purchase or entitlement mechanisms;
- enter another person's card information into the App without their consent.
All intellectual property rights in the App's source code, design, brand and content belong to the publisher. These Terms grant you only a personal, non-transferable, non-exclusive right of use.
7. Exported files and device security
The App lets you export your data as JSON and CSV. Exported files are not encrypted. You are responsible for their security wherever you share, store or transfer them.
Likewise, your device's screen lock, operating system updates, backup settings and physical security are your responsibility. If the device is lost, stolen, reset, or the App is uninstalled, the data on it cannot be recovered; the App has no cloud backup.
8. No warranty
To the maximum extent permitted by applicable law, the App is provided "as is" and "as available". No express or implied warranty is given that the App will run without interruption or error, that it will be compatible with every device and operating system version, that notifications will always be delivered on time, or that its calculations will suit your needs in every scenario.
Rights granted to you by consumer protection law that cannot be limited by contract remain unaffected.
9. Limitation of liability
To the maximum extent permitted by applicable law, we are not liable for indirect damages arising from your use of or inability to use the App; for loss of profit, loss of data or loss of reputation; or for late-payment interest, penalties, fees or credit-score effects resulting from a reminder that was delayed or not shown.
To state it plainly: paying your debts on time is your obligation. The App is only an auxiliary reminder tool and is not a party to the legal relationship between you and your bank.
In any event, our total liability is limited to the amount you paid for the App in the 12 months preceding the event giving rise to the claim.
10. Termination
You may terminate these Terms at any time by removing the App from your device. Uninstalling deletes the local data on the device; to cancel a subscription you must additionally follow the store steps in section 4.
We may terminate your right to use the App if you materially breach these Terms. We reserve the right to withdraw the App or particular features with reasonable notice; in that case any claim relating to an unused subscription period will be assessed under the store's refund policy.
11. Governing law and disputes
These Terms are governed by the laws of the Republic of Türkiye. Disputes are subject to the courts and enforcement offices of the Republic of Türkiye; the competent venue is determined by the applicable rules of procedure. Where you act as a consumer, the jurisdiction and monetary-threshold rules for consumer arbitration committees and consumer courts remain reserved.
If you are a consumer, mandatory consumer protection rights under the law of your country of habitual residence remain unaffected.
12. Changes to these Terms
We may update these Terms. The current text will be published at this address and the effective date will be revised. For material changes we will give notice in the App or in the store release notes. Continuing to use the App after a change means you accept the current Terms. If you do not accept them, you may uninstall the App and cancel your subscription through the store.
13. Contact
- E-mail: support@nodvera.io
- Publisher: Nodvera
- Published at: https://nodvera.io/en/carddue/terms.html
- Turkish version: https://nodvera.io/carddue/terms.html