Terms of Service Draft

Last reviewed: November 2026

This is a draft document prepared for Cardsemble. It is based on verified technical findings from the application codebase, Supabase schema, and Edge Function source. It is not a legal document and should not be used as a substitute for professional legal review.

1. Acceptance of terms

By using the Cardsemble application (the "Service"), you agree to these Terms of Service. If you do not agree, you must not use the Service.

2. Description of the Service

Cardsemble is a household credit card and transaction tracking application. It allows users to:

Connect financial accounts through Plaid.
Sync transactions from linked credit cards.
View monthly spending summaries.
Assign transactions to household members.
Split charges between household members.
Capture card events from Google Wallet (Android) or an iPhone Shortcut (iOS).

The Service is provided in its current state, without warranties of any kind, express or implied.

3. Account creation and authentication

You must create an account using your Google account via Supabase Auth.
You are responsible for maintaining the confidentiality of your account credentials.
You must notify us of any unauthorized use of your account.

4. Household membership

The Service supports a household model where one user is the owner and others are members.
Household membership is created through an invite code (owner only) or by adding a user ID (owner only).
Each user's data is isolated by row-level security in Supabase. Household members do not automatically see the owner's transactions unless explicitly configured.

5. Plaid integration

Bank account connections are handled entirely through Plaid.
Your bank credentials are never seen by Cardsemble; they are entered directly into Plaid's interface.
Plaid's terms of service govern your use of Plaid's services.
Cardsemble does not guarantee the accuracy or completeness of transaction data provided by Plaid.

6. Data retention

VERIFY: data retention period Official policy on how long transaction/event/assignment/token data is kept. The Supabase schema defines tables with creation timestamps and optional revocation/deletion columns (e.g., revoked_at on device_tokens), but the documented retention policy is not yet in place. Please verify with the team before publishing.

7. Termination

You may terminate your account at any time by signing out and requesting deletion from the app settings.
We reserve the right to suspend or terminate your account for any reason, including violation of these Terms of Service.

8. Limitation of liability

The Service is provided "as is" without warranty of any kind, express or implied. Cardsemble is not liable for any damages arising from the use of the Service, including but not limited to financial loss, data loss, or interruption of service.

9. Governing law

VERIFY: governing jurisdiction Legal jurisdiction for these Terms of Service. The project does not yet have a determined legal jurisdiction. Please specify the state or country whose laws govern this agreement.

10. Changes to these terms

We may update these Terms of Service from time to time. We will post any changes on this page and update the "Last reviewed" date.

11. Contact

VERIFY: contact address Physical or email contact address for the entity responsible for the Service. The project does not yet have a determined legal contact address.