Terms and Conditions.

TSBC TapCard is a digital business card platform that lets professionals and organisations build, share, and manage smart contact profiles.

The Services allow you to:

• Create one or more digital profile cards displaying your name, title, company, contact details, and links.
• Share your profile instantly via NFC tap, QR code, link, email signature, or wallet pass, with no app required on the recipient's side.
• Capture and organise contacts you meet, with notes, tags, and follow-up reminders.
• Track engagement on your profile, including taps, views, contact saves, and similar analytics.
• Integrate with CRM systems, calendars, and contact managers where supported.

The features available to you depend on your plan and may change over time.

To use the Services, you must:

• Be at least 16 years old, or the age of digital consent in your country.
• Have the legal capacity to enter into a binding contract.
• Not be barred from receiving the Services under the laws of Nigeria or any other applicable jurisdiction.

If you are using the Services on behalf of an organisation, you represent that you are authorised to bind that organisation to these Terms, and "you" refers to both you individually and the organisation.

If you are under the age of majority in your jurisdiction, you may only use the Services with the consent and supervision of a parent or legal guardian.

3.1 Creating an account

You may register using your email address, a one-time code, Continue with Google, or Continue with Apple. You agree to provide accurate, current, and complete information and to keep it up to date.

3.2 Account security

You are responsible for safeguarding your credentials, including your email, password, OTPs, and any linked third-party logins. Notify [email protected] immediately if you suspect unauthorised access.

3.3 One person, one identity

Each individual account must represent a real person. You may not create accounts under a false identity, impersonate another person, or sell, rent, or transfer your account without our prior written consent.

3.4 Organisation accounts

If you join TapCard through an employer or organisation, that administrator may:

• View, edit, lock, or delete your profile and any cards issued to you.
• Manage your access and permissions.
• Receive analytics about your sharing and lead-capture activity.
• Reassign your card and associated contacts if you leave the organisation.

You acknowledge that profile content created in the context of your employment may belong to the organisation, not to you personally.

4.1 Free and paid plans

We offer free and paid plans. Pricing, features, and limits for each plan are listed on gettsbc.com/pricing and may change. We will give you reasonable notice of material changes that affect your active subscription.

4.2 Billing

Paid plans are billed in advance on a monthly or yearly cycle, in the currency shown at checkout. By providing a payment method, you authorise TSBC and our payment processors to charge that method for all fees due, including applicable taxes.

4.3 Auto-renewal

Subscriptions renew automatically at the end of each billing period unless cancelled at least 24 hours before renewal. You can cancel at any time from your account settings.

4.4 Refunds

Except where required by law, fees are non-refundable. If you believe you have been charged in error, contact [email protected] within 14 days.

4.5 NFC cards and physical products

If you purchase physical NFC cards or accessories, shipping times, customs duties, and return windows will be shown at checkout. Activated, personalised, or used products cannot be returned except where required by consumer protection law.

5.1 Definition

"Your Content" means any data you submit, upload, or display through the Services, including your name, photo, title, company, contact details, social links, video, audio, branding, captured leads, notes, and analytics tags.

5.2 Ownership

You retain all ownership of Your Content.

5.3 Licence to TSBC

You grant TSBC a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, display, transmit, format, and otherwise process Your Content solely to provide, secure, and improve the Services.

5.4 Public profile

When you generate a share link, QR code, NFC tag, or wallet pass, anyone who has that link or scans that code can view your profile. You are responsible for choosing what to include.

5.5 Accuracy

You represent that Your Content is accurate, that you have the right to share it, and that doing so does not violate any law, contract, or third-party right.

The Services let you capture details of people you meet through lead-capture forms, paper-card scanning, badge scanning, or manual entry.

When you save a Captured Contact:

• You are the data controller of that contact's information in your account, and TSBC processes it on your behalf as a data processor.
• You confirm that you have a lawful basis, such as consent or legitimate interest, to collect and store that information under applicable law.
• You are responsible for handling access, correction, and deletion requests from your Captured Contacts.
• You must not use Captured Contacts for unlawful marketing, spam, or any purpose incompatible with how they shared their information with you.

We may suspend accounts that we reasonably believe are misusing Captured Contacts.

You agree not to:

1. Use the Services for any illegal, fraudulent, deceptive, or harmful purpose.
2. Impersonate another person or organisation without authorisation.
3. Send spam, unsolicited bulk messages, phishing attempts, or scam content.
4. Upload malware or code designed to disrupt or gain unauthorised access.
5. Reverse-engineer, decompile, scrape, or attempt to extract source code from the Services, except where mandatory law permits it.
6. Resell, sublicense, white-label, or commercially redistribute the Services without a written agreement.
7. Use bots, scrapers, or crawlers in ways that exceed normal human use or overload our infrastructure.
8. Bypass rate limits, plan limits, or security or access controls.
9. Use the Services to harass, defame, threaten, or discriminate against any person.
10. Upload sexually explicit, hateful, violent, or otherwise objectionable content.
11. Misrepresent your affiliation with any employer, brand, or organisation.

We reserve the right to investigate, suspend, or terminate accounts that we reasonably believe violate this section, with or without notice.

The Services connect to and rely on third parties, including Google Sign-In, Apple Sign-In, Apple Wallet, Google Wallet, payment processors, email and SMS providers, analytics tools, and CRM integrations.

Your use of those third parties is governed by their own terms and privacy policies. We are not responsible for their acts, omissions, downtime, or content.

If you link a third-party integration, you authorise us to access and exchange data with that service as needed to provide the integration.

9.1 Our IP

The Services, including the TapCard name, logo, software, designs, text, graphics, and underlying technology, are owned by TSBC and/or our licensors and are protected by copyright, trademark, and other intellectual property laws.

9.2 Your limited licence

We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to access and use the Services while your account is active and only in line with these Terms.

9.3 Feedback

If you send us suggestions, ideas, or feedback about the Services, you grant us a perpetual, irrevocable, royalty-free licence to use them without obligation to you.

We may label some features as beta, preview, or experimental. These features are provided as-is, may be modified or removed at any time, may not be reliable, and may have different terms. Use them at your own risk.

11.1 By you

You may stop using the Services and delete your account at any time from your account settings or by emailing [email protected]. Cancelling a paid plan does not entitle you to a refund of prepaid fees except as required by law.

11.2 By us

We may suspend or terminate your access, with or without notice, if:

• You breach these Terms.
• We reasonably believe your use of the Services creates a legal, security, or reputational risk to us or others.
• You fail to pay fees when due.
• Continuing to provide the Services becomes legally or commercially impractical.
• Your account remains inactive for an extended period, after reasonable notice to you.

11.3 Effect of termination

On termination, your right to use the Services ends. We may delete Your Content and any Captured Contacts after a reasonable retention window described in our Privacy Policy. Provisions that should survive termination will survive, including ownership, disclaimers, limitation of liability, indemnification, and governing law.

We work hard to keep the Services running, but we do not guarantee uninterrupted, error-free, or secure access. We may modify, suspend, or discontinue any part of the Services at any time. Where reasonable, we will give you advance notice of material changes that adversely affect paying customers.

To the maximum extent permitted by law:

• The Services are provided "as is" and "as available", without warranties of any kind, whether express, implied, statutory, or otherwise.
• We do not warrant that the Services will meet your requirements, that defects will be corrected, or that data will be free from loss or corruption.
• You are solely responsible for the content of your profile, how you share it, and how you use Captured Contacts.

To the maximum extent permitted by law:

• TSBC, its officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, data, goodwill, or business opportunities.
• Our total aggregate liability for all claims arising out of or relating to these Terms or the Services will not exceed the greater of the amount you paid TSBC for the Services in the twelve months preceding the claim, or USD 100.
• Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for gross negligence, fraud, or wilful misconduct.

You agree to defend, indemnify, and hold harmless TSBC and its officers, directors, employees, contractors, and agents from any third-party claim, demand, loss, liability, damage, or expense, including reasonable legal fees, arising out of or related to:

• Your use of the Services.
• Your Content or Captured Contacts.
• Your breach of these Terms or any law.
• Your violation of any third-party right, including any intellectual property, privacy, or publicity right.

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws principles.

16.1 Informal resolution

Before filing any claim, you agree to try to resolve the dispute informally by contacting [email protected]. We will attempt to resolve the dispute in good faith within 30 days.

16.2 Jurisdiction

If a dispute cannot be resolved informally, you and TSBC agree to submit to the exclusive jurisdiction of the courts of Lagos State, Nigeria, except that either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

16.3 International users

If you access the Services from outside Nigeria, you are responsible for compliance with local laws. You may have additional rights under your local law that these Terms cannot override.

We may update these Terms from time to time. If we make material changes, we will notify you by email, in-app message, or by posting a notice on gettsbc.com at least 14 days before the changes take effect, unless a shorter period is required by law or by an urgent security or legal change.

Your continued use of the Services after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Services.

• Entire Agreement: These Terms, together with the Privacy Policy and any plan-specific or order-specific terms, are the entire agreement between you and TSBC regarding the Services.
• Severability: If any provision is held unenforceable, the remaining provisions remain in full force.
• No Waiver: Our failure to enforce any right or provision does not waive that right or provision.
• Assignment: You may not assign these Terms without our written consent. We may assign them to an affiliate or successor in a merger, acquisition, or asset sale.
• Force Majeure: Neither party is liable for delays or failures caused by events beyond their reasonable control.
• Notices: We may send notices to you at the email address linked to your account. You should send legal notices to [email protected].
• Headings: Headings are for convenience only and do not affect interpretation.

TSBC TapCard - Digital Business Card Platform

• Website: https://gettsbc.com
• General: [email protected]
• Billing: [email protected]
• Legal: [email protected]
• Privacy: [email protected]

By using TSBC TapCard, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.