Privacy & Billing Policy - CardNova

1. Introduction

The CardNova app offers premium features through auto-renewing subscriptions processed via the Apple App Store. By subscribing, you agree to these terms and our Privacy Policy.

2. Subscription Terms

• Subscriptions are billed periodically (weekly, annually) depending on the plan you choose.
• Subscriptions will automatically renew unless canceled at least 24 hours before the end of the current billing period.
• Payment for the next billing cycle will be charged within 24 hours prior to the end of the current subscription period.

3. Managing Subscriptions

• You can manage or cancel your subscription through your Apple ID account settings in the App Store.
• After cancellation, you will still have access to premium features until the end of the current billing period.

4. Free Trials

• Some subscriptions may include a free trial period. If not canceled during this period, the subscription will automatically convert to a paid plan at the rate specified during signup.
• Any unused portion of the free trial is forfeited upon the start of the paid subscription.

5. Refund Policy

Payments are non-refundable except as required by applicable law or under Apple’s refund policy. Refund requests should be directed to Apple via the Report a Problem feature in your App Store purchase receipt.

6. Price Changes

Subscription pricing may change. Users will be notified in advance of any changes, and any price increases will require your consent to continue the subscription.

7. Access and Usage

You can manage or cancel your subscription through your Apple ID account settings in the App Store. After cancellation, you will still have access to premium features until the end of the current billing period.

8. Data Collection

We do not collect, store, sell, rent, or share your personal financial information except as necessary to provide specific app features described in this policy.

9. Information Sharing

We do not sell, trade, or rent users' personal identification information to others.

We only share limited data (including aggregated or anonymized data) with the following service providers to operate the app:

• Third-Party AI Providers — Providers such as OpenAI may process your input data solely to deliver AI-powered features. Your data is not used to train their models.

10. Analytics & Crash Reports

We may use anonymous analytics or crash reporting tools to improve stability and user experience. These tools do not access your financial records unless required for diagnosing technical issues.

11. Children's Privacy

CardNova does not knowingly collect personal information from children. Since the app works primarily offline and does not require account registration, personal data collection is limited to optional features described in this policy.

12. Support and Inquiries

For any questions or issues related to your subscription, please contact: annachu22.work@gmail.com

13. Compliance with Apple Policies

This policy complies with App Store Review Guidelines and applicable laws regarding subscriptions and recurring billing.