Draft: these terms are not final yet and may change before cardmi launches.

Terms of Service

Last updated: October 8, 2026

Contents

1. Agreeing to these terms
2. Who can use cardmi (age and parents)
3. Your account, guests and your @handle
4. Your photos and the people in them
5. Your cards and the rights you give us
6. House rules
7. AI styles
8. Coins, packs and purchases
9. Rarity and rerolls
10. Friends, gifts and trades
11. Sharing outside cardmi
12. Reports, moderation and enforcement
13. Copyright complaints
14. cardmi's own content and your licence to use the app
15. Other companies' services
16. Changes to cardmi and to these terms
17. Ending your account
18. No warranties
19. Limits on our liability
20. Your responsibility for claims
21. Disputes: arbitration and class-action waiver
22. Terms for the Apple App Store
23. General terms
24. Contact

1. Agreeing to these terms

cardmi is an app and website that turns photos into collectible trading cards ("cardmi", the "Service"). In these Terms, "we", "us" and "our" mean the operator of cardmi.

By downloading, opening or using the cardmi app, or using cardmi.app, you agree to these Terms of Service (the "Terms") and to our Privacy Policy, which explains how we handle your information. If you don't agree, don't use cardmi.

These Terms are a legal agreement between you and us. Some features have extra rules shown in the app (for example, the odds shown before a reroll, or the notes on a purchase screen); those are part of these Terms too.

2. Who can use cardmi (age and parents)

• You must be at least 13 years old. cardmi asks for your birth year when you first open it. Don't give a false age. If we learn that someone under 13 is using cardmi, we will delete their account and information.
• If you're under 18 (or under the age of majority where you live), you may use cardmi only with the permission of a parent or legal guardian, who must read and agree to these Terms for you. Parents and guardians: by allowing your child to use cardmi, you agree to these Terms on their behalf and are responsible for their use of cardmi, including any purchases made on their device. You can control purchases with Apple's Screen Time and Ask to Buy settings.
• You may not use cardmi if you've been banned from it before, or if the law where you live doesn't allow you to.

3. Your account, guests and your @handle

Guests

You can make and share cards without signing in. As a guest, cardmi gives your install a private, anonymous account so your coins and purchases work. A guest's cards are stored only on that phone: if you delete the app or lose the phone before signing in, they can't be recovered. Friends, gifts and trades need a signed-in account.

Signed-in accounts

• You can sign in with Apple, Google or an emailed sign-in link. Use only accounts that belong to you.
• When you first sign in, your guest cards, coins and purchases move to your account.
• Keep your Apple, Google and email accounts secure. You're responsible for everything that happens on your cardmi account. Tell us right away at hello@cardmi.app if you think someone else is using it.
• One person per account. Don't share, sell, rent, buy or transfer accounts.

Your name and @handle

• Your display name and @handle can be seen by other players (for example when they search for you, and on pictures you export). Don't use a name or @handle that impersonates someone, is offensive, misleading, infringes someone's trademark, or includes personal information like a phone number or address.
• @handles are not your property. We may reclaim, change or remove a @handle that breaks these Terms, that's inactive for a long time, or when a trademark or legal claim requires it.

4. Your photos and the people in them

cardmi is built around photos of real people, so this section matters most.

• Only use photos you have the right to use. That means photos you took yourself, or photos you have permission to use. Don't use photos taken from someone else's account, website, or from a photographer, without permission.
• Get permission from everyone in the photo. Before you make or share a card of someone, ask them first. If the person is under 18, also ask their parent or guardian. Before your first AI style, cardmi asks you to confirm "I have permission to use this photo."; by confirming, you promise that this is true for that photo and every later one.
• No celebrities or public figures used to mislead. Don't make cards of public figures or other people that could be mistaken for real endorsements, real events or real statements, and don't use anyone's name or likeness for advertising or to make money.
• If someone asks you to remove a card of them, please do. They can also report it to us (see section 12) and we may remove it.
• You are solely responsible for the photos you use and the cards you make and share, and for getting any permission they need. We don't check permissions before you make a card.

5. Your cards and the rights you give us

What you own

You keep whatever rights you have in your photos and in the text you write (names, quotes, written abilities and attacks, gift notes) ("Your Content"). The card frames, badges, stickers, backgrounds, fonts, foils, word banks and other parts of a card that come from cardmi stay ours (see section 14); a finished card combines Your Content with ours.

The licence you give us

So that cardmi can work, you give us a worldwide, non-exclusive, royalty-free licence, with the right to let our service providers do the same on our behalf, to host, store, copy, process, adapt (for example to draw an AI style, cut you out of a photo, resize or compress), display and send Your Content, only to run, protect and improve cardmi. This includes: backing up your cards, drawing AI styles, delivering gifts and trades, showing your cards to friends, running safety checks, reviewing reports, and keeping records the law requires.

This licence ends when you delete the content or your account, except: (a) copies you gifted or traded to other players stay with them; (b) we may keep content for as long as needed for safety reviews, legal obligations or legal claims, as the Privacy Policy explains; and (c) copies may remain in backups for a limited time.

We won't use your photos or cards in our advertising without asking you first, and we don't sell them.

Your promises about Your Content

You promise that you have all the rights and permissions needed for Your Content, that it follows these Terms and the law, and that our use of it as these Terms allow won't infringe anyone's rights, including copyright, trademark, privacy and publicity rights (the right to control the use of your own name and face).

We don't have to keep or show it

We may (but don't have to) review, filter, hide or remove any content at any time. We aren't responsible for keeping copies of Your Content: save the pictures you care about to Photos.

6. House rules

Don't use cardmi to make, upload, share, gift or trade anything that:

• shows nudity, sexual content or sexual acts, or is sexually suggestive about anyone;
• sexualises, exploits or endangers anyone under 18 in any way. We report child sexual abuse material to the National Center for Missing & Exploited Children (NCMEC) and to the police;
• shares intimate pictures of anyone without their consent, including fake or AI-made ones;
• uses someone's photo or likeness without their permission, or impersonates anyone;
• bullies, harasses, shames, threatens, stalks, doxxes or targets anyone;
• promotes hate or attacks people because of race, ethnicity, national origin, religion, caste, sex, gender, gender identity, sexual orientation, disability, serious illness or age;
• shows or encourages violence, terrorism, self-harm, suicide or eating disorders;
• promotes illegal drugs, weapons, gambling or other illegal activity;
• is false or misleading in a way that could harm someone, including fake "evidence" or fake news;
• infringes anyone's copyright, trademark, privacy, publicity or other rights;
• contains personal information about anyone (addresses, phone numbers, IDs, and so on);
• is spam, a scam, or advertising.

And don't:

• hack, probe, scrape, copy, reverse engineer, decompile or interfere with cardmi, its servers, or its security (including App Check and device checks), except as the law expressly allows;
• use bots, scripts, emulators, modified apps or automation to use cardmi;
• exploit bugs or glitches to get coins, rolls, items, refunds or anything else you didn't pay for (tell us about bugs instead, at hello@cardmi.app);
• get around limits, bans, blocks or rate limits, including by making new accounts or reinstalling the app, or abuse "Looks broken?" or refunds;
• buy, sell, rent or trade accounts, coins, cards, items or @handles for real money or anything of value outside cardmi;
• try to get around the AI tools' safety filters or make them produce content these rules forbid;
• use cardmi to build a competing product, or to train an AI model;
• harass our team or other players, or encourage anyone to break these rules.

7. AI styles

• Some styles (such as Anime, Pixel and Chibi) are drawn by an AI image tool run by another company. To draw a style, the photo you chose is sent to that company. The Privacy Policy explains what is sent and when it's deleted.
• AI results can be unexpected, inaccurate or imperfect. They may not look like the person, may change features, and may not be what you hoped. The AI tool may also refuse some photos. Results aren't checked by a person before you see them.
• You're only charged when a style works. Coins for a style are held, not spent, while it's drawn. If drawing fails, times out, is refused, or fails our automatic checks, the hold is released and you pay nothing.
• There's no redo. A result that worked but that you simply don't like is final. If a result is broken (for example the wrong person, extra limbs or a garbled face), you can use "Looks broken?" within 24 hours to get the coins back; the picture is then removed from your card. This is limited (currently 2 times per account and per device every 30 days) and is not available because you don't like the style.
• AI pictures are made by a computer, so others may get similar results, and the law may not give anyone copyright in them. To the extent we have any rights in the AI picture made for your card, you may use it as part of your card under these Terms. We don't promise that AI results are unique or free of other people's rights.
• Don't present AI pictures as real photos or use them to deceive anyone. You're responsible for how you use and share them.
• We may change the AI provider, styles, prices, limits and quality, or pause AI styles at any time (for example if costs or safety require it). Raw (the plain photo) is always free.

8. Coins, packs and purchases

What you're buying

• Coins are a virtual currency used only inside cardmi, for things like AI styles, shuffles, writing your own ability, rerolls, foils and single premium frames. Prices in coins are shown before you spend.
• Packs (frame packs, sticker packs, the foil pack and Unlimited binder) are permanent unlocks for your account. You can preview a pack's contents before you buy it.
• Coins and packs (together, "Virtual Items") are a limited, personal, non-transferable, revocable licence to use certain features of cardmi. They are not money or property, have no cash value, can't be exchanged for money, cards or anything outside cardmi, can't be transferred to another account, and can't be sold, bought or traded with anyone. Coins don't earn interest and aren't a deposit or a stored-value product. We don't buy back Virtual Items.
• Your coin balance is kept on our servers. If our records and your screen disagree, our records count, unless we made a mistake, which we'll fix.
• Coins don't expire while your account exists.

Paying

• All purchases are made through Apple's App Store under Apple's terms. Apple processes the payment; we never see your card details. Prices are shown in the app before you buy and may include tax.
• A purchase is final when Apple confirms it, and the coins or pack are delivered to your account (usually right away). If something you paid for doesn't arrive, use Restore purchases in Settings or the shop, or email us.
• If you're under 18, ask a parent or guardian before buying anything. Parents and guardians are responsible for purchases made on their child's device.

Refunds

• Except as Apple's policies or the law require, all purchases are final and non-refundable, including when your account ends.
• Refund requests go to Apple (reportaproblem.apple.com); we can't issue refunds for App Store purchases ourselves.
• If a purchase is refunded or reversed, we remove what it gave you. If the coins were already spent, your balance may go below zero, and you won't be able to spend coins until it's positive again.
• Coins you spend on a card ride that card's draft. If you discard a draft, the coins spent on it are lost (the app warns you first).

Changes

We may change prices, what coins can be spent on, the free features, and the contents of the shop at any time. Changes don't affect what you already bought: packs you own stay yours for as long as cardmi and your account exist, and coins you already have keep working.

9. Rarity and rerolls

• Each card gets a rarity (Spark, Star, Supernova, Galaxy or Cosmic) chosen at random by our server. Your first roll for a card is free. Rarity only changes how a card looks (its badge, HP number and reveal); it doesn't unlock features and has no value outside cardmi.
• You can pay 1 coin to reroll. The current odds are shown on screen before every paid reroll. A reroll replaces the old result, even if the new rarity is lower.
• Cards, rarities and rolls can't be sold or exchanged for money or anything of value. cardmi is not gambling and has no prizes.
• We may change the odds in future; the odds shown before you pay are the ones that apply to that reroll.

10. Friends, gifts and trades

• You can add friends by @handle. Friends can see your display name, @handle, your main card and your latest cards. You can remove or block a player at any time.
• Gifts are copies. When you gift a card, your friend gets a copy and you keep yours. A trade swaps the cards you both agreed to.
• Gifts and trades are final and can't be undone, except that we may remove cards that break these Terms. Cards you received can't be gifted or traded again, and your main card can't be traded.
• Copies you gave away stay with your friends, even if you later delete the card or your account. Only give cards you're happy for your friends to keep. If a gifted card breaks our rules, we remove the copies too.
• Gift notes must follow the house rules. Don't use gifts or friend requests to spam or harass anyone.
• We aren't responsible for how other players act or what they do with cards you give them. Be careful what you share, and only add people you know.

11. Sharing outside cardmi

• You can share pictures and videos of your cards to TikTok, Instagram, Facebook, Messages and other apps, save them to Photos, or copy a link. Exported pictures show the cardmi logo, your @handle (if you have one) and "make yours at cardmi.app".
• Once you share something outside cardmi, we can't control it or delete it there. Those apps' own terms and privacy policies apply, and you're responsible for following them.
• You may share your cards for personal, non-commercial purposes. Don't sell cards, prints or merchandise made with cardmi's frames, stickers or other content, and don't remove the cardmi logo or suggest that cardmi endorses you.
• cardmi isn't affiliated with, endorsed or sponsored by TikTok, Instagram, Facebook, Meta, Apple, Google, OpenAI or any trading card game company. Their names and logos belong to their owners.

12. Reports, moderation and enforcement

• You can report a card in the app (open it and tap Report) or, without the app, on our Report content page or at report@cardmi.app. Report anything that breaks the house rules, including a picture of you used without your permission.
• Cards shared with friends (gifts, trades and cards on your friends' Home) are checked once by an automatic safety check before friends can see them. Cards may be hidden automatically after reports (a nudity report hides a card at once), while we review them.
• A request to remove an intimate picture of you that was shared without your consent is handled within 48 hours of a valid request, and we remove known copies, as US law requires.
• If you break these Terms, we may, with or without notice: remove or hide content; limit features (such as gifting, trading, friends or AI styles); suspend or permanently close your account; remove coins or items gained through cheating, bugs or abuse; block your device; and report illegal activity to the police or NCMEC. Virtual Items lost because of a ban aren't refunded, unless the law requires otherwise.
• Automatic checks and moderators can make mistakes. If you think we got it wrong, email hello@cardmi.app and we'll take another look. We don't have to give reasons for every decision, and we aren't responsible for what other players post.
• We may keep and share information when the law requires it, or to protect people's safety, as the Privacy Policy explains.

13. Copyright complaints

We respect copyright and expect players to do the same. If you believe something on cardmi infringes your copyright, send a notice to our designated agent with: your signature (typing your full name counts); a description of the work you say is infringed; where the material is on cardmi (a card link, @handle or screenshot); your contact details; a statement that you believe in good faith the use isn't authorised by you, your agent or the law; and a statement, under penalty of perjury, that your notice is accurate and that you're the owner or authorised to act for the owner.

Send copyright notices to report@cardmi.app with the subject "Copyright notice".

If your content was removed and you believe it was a mistake or you had permission, you can send a counter-notice to the same address with the details the law (17 U.S.C. § 512(g)) requires. We close the accounts of repeat infringers in appropriate circumstances. Knowingly false notices can make you liable for damages.

14. cardmi's own content and your licence to use the app

• cardmi, including the app, website, software, design, logo, name, card frames, badges, stickers, backgrounds, foils, fonts we license, word banks, sounds and everything else we provide (except Your Content), belongs to us or our licensors and is protected by copyright, trademark and other laws.
• We give you a personal, limited, non-exclusive, non-transferable, revocable licence to download and use the cardmi app on Apple devices you own or control, for your own personal, non-commercial use, under these Terms and Apple's rules. Nothing in these Terms gives you any other right to our content, name or logo.
• If you send us ideas or feedback, we may use them freely without paying you or owing you anything.

15. Other companies' services

cardmi relies on other companies (such as Apple, Google Firebase, OpenAI and RevenueCat) and lets you share to apps like TikTok, Instagram and Facebook. We aren't responsible for those services, their availability, their content, or how they handle your information; their own terms and policies apply. Links to other websites are for convenience only.

16. Changes to cardmi and to these terms

• cardmi will change over time. We may add, change, limit or remove features, styles, frames, stickers, prices and limits, at any time, and we may stop offering cardmi altogether. If we shut cardmi down, we'll try to give you reasonable notice in the app, so you can save your pictures to Photos.
• We may update these Terms. We'll change the date at the top, and for important changes we'll tell you in the app or by another reasonable way before they take effect. If you keep using cardmi after the changes take effect, you accept them. If you don't agree, stop using cardmi and delete your account. Changes won't apply to disputes that started before they took effect.

17. Ending your account

• You can stop using cardmi at any time, and delete your account in Settings › Delete account. This removes your account, your backed-up cards and your data, as the Privacy Policy explains. Deleting the app doesn't delete your account.
• When your account ends, for any reason, your licence to use cardmi and any coins and packs on it end too, and they can't be recovered or refunded (except where the law requires). Copies you gifted or traded stay with the players who received them.
• Sections that by their nature should continue after your account ends do so, including sections 5 (the parts about copies and records), 6, 8 (refunds), 13, 14, and 18 to 23.

18. No warranties

To the fullest extent the law allows, cardmi is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and quiet enjoyment. We don't promise that cardmi will be uninterrupted, secure, error-free or free of viruses, that your content or cards will be kept or never lost, that AI results will be accurate, appropriate or to your liking, or that other players will follow these Terms. You use cardmi at your own risk.

Some places don't allow some of these exclusions, so some of them may not apply to you. Nothing in these Terms limits rights you have that can't be limited by contract.

19. Limits on our liability

To the fullest extent the law allows: (a) we, our owners, team members, contractors and service providers won't be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, data, content, goodwill, Virtual Items or cards, or for any damage caused by other players, other companies' services, content you or others create, or unauthorised access to your account, even if we were told they were possible; and (b) our total liability to you for all claims relating to cardmi or these Terms is limited to the greater of the amount you paid us for cardmi in the 12 months before the event giving rise to the claim, or US $50.

These limits apply whatever the legal theory (contract, tort including negligence, or anything else), and even if a remedy fails of its essential purpose. They don't limit liability for gross negligence, fraud, intentional misconduct, death or personal injury caused by our negligence, or anything else that can't be limited by law.

20. Your responsibility for claims

To the extent the law allows, you agree to defend, indemnify and hold harmless us and our owners, team members, contractors and service providers from any claims, damages, losses, costs and expenses (including reasonable lawyers' fees) arising from: Your Content (including any claim by a person shown in your photos or cards); your use or misuse of cardmi; your breaking these Terms or the law; or your violating anyone's rights, including privacy and publicity rights. We may take over the defence of any such claim, and you'll cooperate with us.

21. Disputes: arbitration and class-action waiver

Please read this section carefully. It affects your rights, including your right to go to court.

Talk to us first

Most problems can be solved quickly. Before starting any formal claim, email hello@cardmi.app with your name, the email or @handle on your account, a description of the problem and what you'd like us to do. We'll both try in good faith to resolve it within 60 days. Any time limit for bringing a claim is paused during those 60 days.

Binding arbitration

If we can't resolve it, you and we agree that any dispute, claim or controversy arising from or relating to cardmi or these Terms (including whether this section applies) will be resolved by binding individual arbitration, not in court, except as described below. The Federal Arbitration Act governs this section. The arbitration will be run by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (adr.org), by a single arbitrator. It may be done by video, phone or written submissions, and if a hearing is needed in person it will be in the county where you live. Payment of filing and arbitrator fees follows the AAA's consumer rules; we'll pay any fees above what you would pay to file in court. The arbitrator may award the same individual relief a court could, and their decision can be entered in any court with jurisdiction.

Exceptions

• Either of us may bring an individual claim in small claims court instead, if it qualifies.
• Either of us may go to court to stop the infringement or misuse of intellectual property, or the misuse or hacking of cardmi.
• Nothing here stops you from reporting a concern to a government agency, or from seeking public injunctive relief where the law doesn't allow it to be waived; such a request will be decided by a court after the individual claims are arbitrated.

Class-action waiver

You and we may bring claims against each other only individually, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not combine more than one person's claims or preside over any form of class or representative proceeding.

If this class-action waiver is found unenforceable for a claim, that claim (and only that claim) will be heard in court, not in arbitration.

Many similar claims

If 25 or more similar claims are brought against us by or with the help of the same lawyers or organisations, the AAA's mass arbitration rules will apply, and the claims may be decided in batches, to keep costs fair for everyone.

Opting out

You can opt out of this arbitration agreement within 30 days of first accepting these Terms, by emailing hello@cardmi.app with the subject "Arbitration opt-out" and your name and the email or @handle on your account. Opting out doesn't affect anything else in these Terms. If you opt out, or if this section doesn't apply, disputes will be decided in the courts described in section 23.

Time limit

To the extent the law allows, any claim must be started within one year after it arises, or it's permanently barred.

22. Terms for the Apple App Store

If you got cardmi from Apple's App Store, you and we also agree that:

• These Terms are between you and us only, not Apple. We, not Apple, are responsible for cardmi and its content.
• Your licence to use the app is limited to Apple-branded devices you own or control, as Apple's Usage Rules allow (including Family Sharing where it applies).
• Apple has no obligation to provide any maintenance or support for cardmi.
• If cardmi fails to meet any warranty that applies to it, you may notify Apple, and Apple will refund the purchase price of the app (if any). To the fullest extent the law allows, Apple has no other warranty obligation for cardmi, and any other claims, losses or costs from a failure to meet a warranty are our responsibility, to the extent these Terms don't exclude them.
• We, not Apple, are responsible for any claims by you or anyone else relating to cardmi, including product liability claims, claims that cardmi fails to meet legal or regulatory requirements, and consumer protection, privacy or similar claims.
• If anyone claims that cardmi or your use of it infringes their intellectual property, we, not Apple, are responsible for investigating, defending, settling and discharging that claim.
• You confirm that you're not in a country subject to a US government embargo or designated as "terrorist supporting", and that you're not on any US government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms, and once you accept them, Apple may enforce them against you.

23. General terms

• Governing law and courts. These Terms are governed by the laws of the State of California, United States, without regard to its conflict-of-law rules (and by the Federal Arbitration Act for section 21). For anything not decided in arbitration or small claims court, you and we agree to the exclusive jurisdiction of the state and federal courts located in California, except that if you live outside the US, you may also have the right to bring claims in your local courts, and you keep the protections of your local consumer laws.
• Electronic notices. You agree that we may give you notices in the app, by push notification, on cardmi.app, or by email to the address on your account, and that these count as written notices.
• Whole agreement. These Terms, the Privacy Policy and any rules shown in the app are the whole agreement between you and us about cardmi.
• Severability. If any part of these Terms can't be enforced, the rest stays in effect, and that part will be enforced as far as the law allows.
• No waiver. If we don't enforce a right, we haven't given it up.
• Assignment. You can't transfer your rights or duties under these Terms. We may transfer ours, for example if cardmi is sold or reorganised.
• Things outside our control. We aren't responsible for delays or failures caused by events beyond our reasonable control, such as outages of other companies' services, internet failures, natural disasters, or government actions.
• Export and sanctions. You may not use cardmi where US law forbids it, or if you're on a US sanctions list.
• Headings and examples. Headings, the short version and examples are for convenience; "including" means "including but not limited to".

24. Contact

• Questions about these Terms, your account or purchases: hello@cardmi.app
• Reporting a card or a picture of you: Report content or report@cardmi.app
• Your privacy: see the Privacy Policy