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Terms of Service

Last updated: 26 June 2026

This document is provided in English. The English-language version is the authoritative and legally binding version; any translation is provided for convenience only.

These Terms of Service (“Terms”) are a binding agreement between Atlas Mint Ltd (“CardFactory”, “we”, “us”) and the business or organisation you represent (“Customer”, “you”) governing your use of the CardFactory service at app.cardfactory.ai and our website at cardfactory.ai (together, the “Service”).

Business use only. The Service is offered exclusively to businesses and professionals acting in the course of their trade or profession. By using it, you confirm you are at least 18 years old, are acting for business purposes (not as a consumer), and are authorised to bind the organisation you represent.

Contents

  1. 1. Acceptance
  2. 2. Definitions
  3. 3. Accounts & teams
  4. 4. License & our IP
  5. 5. Your content
  6. 6. Generated output
  7. 7. Acceptable use
  8. 8. Plans, credits & billing
  9. 9. Refunds & cancellation
  10. 10. Suspension & termination
  11. 11. Legal requests
  12. 12. Third-party services
  13. 13. Disclaimers
  14. 14. Liability
  15. 15. Indemnification
  16. 16. Data protection
  17. 17. Changes
  18. 18. Governing law
  19. 19. Miscellaneous

1. Acceptance

By creating an account, accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service. We may provide additional terms for specific features; those form part of these Terms.

2. Definitions

  • “Customer Content” — data, product information, images, brand materials, templates and other content you upload to or create in the Service.
  • “Output” — images, copy, SEO text and other materials generated by the Service from your Customer Content and instructions.
  • “Credits” (also “tokens”) — the units consumed when you use generation features, comprising Subscription Credits and Non-Expiring Credits as described in Section 8.
  • “Subscription” — a paid plan billed on a recurring (monthly or annual) basis.

3. Accounts & teams

You must provide accurate registration details and keep your credentials secure. You are responsible for all activity under your account and for your workspace members and the roles you grant them. Notify us promptly of any unauthorised use. You are responsible for ensuring your members comply with these Terms.

4. License & our intellectual property

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to access and use the Service for your internal business purposes during your subscription. The Service, including all software, design, and trademarks, is owned by us or our licensors. You may not copy, modify, reverse-engineer, resell, or create derivative works of the Service, except as permitted by law.

5. Your content

You own your Customer Content. You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, adapt and display your Customer Content solely to operate and provide the Service to you (including sending the necessary task content to our AI sub-processors). We do not use your Customer Content or Output to train AI models.

You represent and warrant that:

  • you have all rights necessary to upload and use your Customer Content;
  • your Customer Content and its use do not infringe any third party’s rights or violate any law; and
  • your use of Output complies with the rules of any marketplace or channel where you publish it.

6. Generated output

As between you and us, and to the extent we hold any rights in the Output, we assign such rights to you, so that you may use the Output for your business. Output is produced by automated AI systems: it may be inaccurate, non-unique, or unsuitable, and similar Output may be generated for others. You are responsible for reviewing Output before you publish or rely on it, including for accuracy, legal compliance, and marketplace rules. Your use of certain features is also subject to the terms of the underlying AI providers.

7. Acceptable use

You agree not to use the Service to:

  • break the law or infringe intellectual property, privacy or other rights;
  • create or distribute illegal, deceptive, infringing, defamatory, or harmful content;
  • generate content that is sexual content involving minors, that promotes violence or hate, or that is otherwise prohibited;
  • upload malware, attempt to gain unauthorised access, or disrupt or overload the Service;
  • scrape, reverse-engineer, or circumvent technical or usage limits; or
  • resell or provide the Service to third parties except as expressly permitted.

8. Plans, credits & billing

Plans

We offer a free tier and paid Subscriptions. Plan features and prices are shown on our pricing page and may change as described below. Paid Subscriptions renew automatically for successive periods until cancelled.

Credits — two types

  • Subscription Credits are included with your plan and added at the start of each billing month. They are consumed first, and any unused Subscription Credits expire at the end of the period (they do not roll over).
  • Non-Expiring Credits are purchased separately and consumed after your Subscription Credits are exhausted. They do not expire while your account is active.

Auto-recharge

If you enable auto-recharge, you authorise us to automatically purchase Non-Expiring Credits using your payment method when your balance falls below a threshold you set, in the amount you set, subject to any monthly cap you configure. You can change or turn off auto-recharge at any time in your billing settings.

Payment & taxes

Payments are processed by third-party payment processors (currently Stripe; we may add or change processors). You authorise us and our processor to charge your payment method for all fees, including recurring Subscription fees and auto-recharge purchases. Fees are exclusive of taxes; you are responsible for applicable taxes (e.g. VAT) unless we are required to collect them. Late or failed payments may result in suspension of paid features.

Price changes

We may change prices and plan features. For Subscriptions, changes apply from your next renewal, and we will give reasonable advance notice. Continuing to use the Service after a change takes effect constitutes acceptance.

9. Refunds & cancellation

Cancellation

You can cancel a Subscription at any time from your billing settings — cancelling is as easy as subscribing. Cancellation stops future renewals; you keep paid access until the end of the current period, after which your account moves to the free tier.

Subscription refunds

You may request a refund of a Subscription charge within 14 days of that charge (including renewal charges). Because consumed credits are deducted at our standard pay-as-you-go rate, the amount refunded is:

Refund = amount paid for the period − (Subscription Credits used in that period × our then-current pay-as-you-go credit price), and never less than $0 (we will not charge you any shortfall).

When a Subscription charge is refunded:

  • only Subscription Credits are counted in the calculation;
  • any remaining unused Subscription Credits for that period are revoked, and your account moves to the free tier (or a lower paid tier, if applicable); and
  • for annual plans, the same 14-day window and the same formula apply to the annual charge.

Non-Expiring Credits are non-refundable

Purchases of Non-Expiring Credits (including auto-recharge purchases) are final and non-refundable under any circumstances. If your Subscription is refunded, you keep any Non-Expiring Credits you purchased — they are not refunded and not revoked.

Refunds are issued to your original payment method via our payment processor; the time to appear on your statement depends on your bank. These terms do not limit any non-waivable statutory rights that may apply to you.

10. Suspension & termination

We may suspend or terminate your access, in whole or in part, if: you breach these Terms or our acceptable use rules; you use the Service for unlawful purposes or your content violates the law; payment fails; or we reasonably believe suspension is necessary to protect the Service, other users, or third parties. Where practicable and lawful, we will give notice and an opportunity to remedy. You may terminate at any time by cancelling and closing your account. On termination, your right to use the Service ends; we will make your Customer Content available for export for a reasonable period, after which it may be deleted.

11. Legal requests & authorities

We may restrict, suspend, or disclose information about a specific account, and take other action, where we receive a valid and lawful request from a competent authority, or where required by applicable law or to comply with legal process.

12. Third-party services & marketplaces

The Service integrates third-party services and helps you publish to marketplaces (e.g. Ozon, Amazon and others). We are not responsible for third-party services or for the rules, availability, or decisions of any marketplace. Your use of those is governed by their own terms, and you are responsible for complying with them.

13. Disclaimers

The Service is provided “as is” and “as available”. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Service or Output will be uninterrupted, error-free, accurate, or fit for your specific needs. We do not guarantee any particular result, ranking, or commercial outcome.

14. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill. Our total aggregate liability arising out of or relating to the Service is limited to the amount of fees you paid to us for the Service in the twelve (12) months before the event giving rise to the claim.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law. In particular, we do not exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded under the laws of England and Wales (including the Unfair Contract Terms Act 1977).

15. Indemnification

You will defend and indemnify us against third-party claims, damages, and costs (including reasonable legal fees) arising from your Customer Content, your Output, your use of the Service, or your breach of these Terms or applicable law.

16. Data protection

Our handling of personal data is described in our Privacy Policy. Where we process personal data on your behalf as part of your Customer Content, our Data Processing Agreement applies and is incorporated into these Terms, including how we engage and notify you of sub-processors.

17. Changes to the Service & Terms

We may modify the Service and these Terms. For material changes to the Terms, we will provide reasonable notice (e.g. by email or in-app). Changes take effect on the stated date; continued use after that date constitutes acceptance. If you do not agree, stop using the Service and cancel.

18. Governing law & jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, are governed by the laws of England and Wales, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods (CISG). To the extent permitted by law, the courts of England and Wales have exclusive jurisdiction to settle any such dispute or claim.

19. Miscellaneous

Export & sanctions: you must comply with all applicable export control and sanctions laws — including those administered by the UK (the Office of Financial Sanctions Implementation and the Export Control Joint Unit) and any other regimes that apply to you — and may not use the Service if you are the target of such restrictions or located in a sanctioned territory. Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control. Assignment: you may not assign these Terms without our consent; we may assign them to an affiliate or successor. Severability: if any provision is unenforceable, the rest remains in effect. No waiver: failure to enforce a provision is not a waiver. Entire agreement: these Terms (with the Privacy Policy and DPA) are the entire agreement between us. Language: the English version is the operative version. Notices & contact: [email protected], Atlas Mint Ltd, 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.

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