nexkard

    Terms of Service

    Last Updated: 1/31/2026

    1. Introduction and Effective Date

    Welcome to nexkard ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our card management platform and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

    These Terms are effective as of the date you first access the Service. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

    2. Acceptance of Terms

    By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

    You represent that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

    3. Service Description

    nexkard provides a centralized platform for managing virtual and physical payment cards. Our Service enables businesses to:

    • View and manage multiple cards from a single dashboard
    • Control card usage through freeze, unfreeze, and limit functions
    • Monitor transactions and spending activity in real-time
    • Implement governance and oversight controls

    We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice.

    4. Account Registration and User Responsibilities

    To use the Service, you must create an account and provide accurate, current, and complete information. You are responsible for:

    • Maintaining the confidentiality of your account credentials
    • All activities that occur under your account
    • Notifying us immediately of any unauthorized access or security breach
    • Ensuring that all information provided is accurate and up-to-date

    You may not share your account credentials with any third party or allow others to access your account.

    5. Acceptable Use Policy

    You agree not to use the Service to:

    • Violate any applicable laws, regulations, or third-party rights
    • Engage in fraudulent, deceptive, or illegal activities
    • Transmit any malicious code, viruses, or harmful software
    • Attempt to gain unauthorized access to the Service or related systems
    • Interfere with or disrupt the Service or servers
    • Use the Service for any purpose other than its intended business use

    We reserve the right to suspend or terminate your account if you violate this Acceptable Use Policy.

    6. Payment Terms and Billing

    If you subscribe to a paid plan, you agree to pay all fees associated with your subscription. Payment terms will be specified in your subscription agreement or invoice.

    Fees are billed in advance on a recurring basis (monthly or annually) unless otherwise agreed. All fees are non-refundable except as required by law or as explicitly stated in your subscription agreement.

    We reserve the right to change our pricing with reasonable notice. If you do not agree to the new pricing, you may cancel your subscription before the change takes effect.

    7. Intellectual Property Rights

    The Service, including all content, features, functionality, and software, is owned by nexkard and is protected by copyright, trademark, and other intellectual property laws.

    We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your business purposes in accordance with these Terms.

    You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

    8. Data Protection and Privacy

    Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the Service, you consent to the collection and use of your information as described in our Privacy Policy.

    We implement industry-standard security measures to protect your data, but we cannot guarantee absolute security. You are responsible for maintaining the security of your account credentials.

    9. Limitation of Liability

    TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEXKARD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

    Our total liability for any claims arising out of or related to the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

    10. Indemnification

    You agree to indemnify, defend, and hold harmless nexkard and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or related to your use of the Service, violation of these Terms, or infringement of any rights of another.

    11. Termination

    We may suspend or terminate your access to the Service at any time, with or without cause or notice, for any reason, including if you breach these Terms.

    You may terminate your account at any time by contacting us at contact@kloudfirst.com. Upon termination, your right to use the Service will immediately cease.

    All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

    12. Governing Law and Dispute Resolution

    These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

    Any disputes arising out of or relating to these Terms or the Service shall be resolved through arbitration in accordance with the Arbitration and Conciliation Act, 2015, or through the courts of competent jurisdiction in India.

    13. Changes to Terms

    We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last Updated" date.

    Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the Service.

    14. Contact Information

    If you have any questions about these Terms, please contact us at:

    Email: contact@kloudfirst.com