Service-Disabled Veteran-Owned Small Business

vNetCard^TM Terms of Service

Effective Date: May 8, 2026

Last Updated: May 8, 2026

Welcome to vNetCard™ LLC. These Terms of Service (the "Terms" or "Agreement") are a binding legal agreement between you ("you," "your," or "Customer") and vNetCard™ LLC, a Florida limited liability company ("vNetCard," "Company," "we," "us," or "our"), governing your access to and use of our website located at vnetcard.com, the vNetCard™ digital business card service, and any related products, services, content, or software (collectively, the "Services").

PLEASE READ CAREFULLY. By clicking "I Agree," creating an account, submitting payment, or otherwise accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not access or use the Services.

Arbitration Notice: Section 17 contains a binding arbitration clause and class action waiver. Please review it carefully.

1. Eligibility and Geographic Restrictions

1.1 Age and Authority

You must be at least 18 years old and have the legal capacity to enter into a binding contract. If you are using the Services on behalf of a business, organization, or other entity, you represent that you have the authority to bind that entity to these Terms.

1.2 Geographic Limitations

The Services are offered only to residents of the United States, excluding the State of California. By using the Services, you represent and warrant that:

You are a resident of the United States;
You are not a resident of the State of California;
You are not located in any jurisdiction where your use of the Services would be unlawful.

vNetCard™ LLC does not offer, market, or sell its Services to residents of California, Canada, the European Union, the United Kingdom, or any jurisdiction outside the United States. If you are located outside our service area or misrepresent your residency, we reserve the right to immediately terminate your account without refund.

1.3 Prohibited Users

You may not use the Services if you are a competitor seeking to use the Services for commercial purposes adverse to our interests, or if you have been previously suspended or removed from the Services.

2. Accounts and Registration

You may be required to create an account to use certain Services. You agree to:

Provide accurate, current, and complete information during registration;
Maintain and promptly update your information;
Keep your login credentials confidential;
Notify us immediately of any unauthorized access or suspected breach at [email protected];
Accept responsibility for all activities that occur under your account.

We reserve the right to refuse, suspend, or terminate any account at our sole discretion.

3. The Services

vNetCard™ is a done-for-you digital business card service that includes custom card design, QR code generation, hosted digital landing pages, and optional CRM and automation integrations. Specific features and limits are described on the Services pages, order forms, or as otherwise communicated to you at the time of purchase.

We may modify, suspend, or discontinue any portion of the Services at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation.

4. Billing, Subscriptions, and No-Refund Policy

4.1 Payment Processing

Payments are processed by our third-party payment processors, Stripe, Inc. and LeadConnector (GoHighLevel). By submitting payment, you agree to the terms and privacy policies of these processors. We do not store your full payment card information; we receive only tokenized payment references.

4.2 Pricing and Taxes

You agree to pay all fees, charges, and applicable taxes in effect when you place your order. All prices are in U.S. dollars. We reserve the right to change pricing at any time. For subscription Services, price changes will take effect upon your next renewal with at least thirty (30) days' prior notice.

4.3 Subscription Auto-Renewal

If you purchase a subscription, it will automatically renew at the then-current rate at the end of each billing period until you cancel. You authorize us to charge your payment method on file for each renewal.

4.4 Cancellation

You may cancel your subscription at any time through your account portal or by emailing [email protected]. Cancellation will take effect at the end of the current billing cycle. You will continue to have access to the Services through the end of that cycle.

4.5 NO-REFUND POLICY

ALL SALES ARE FINAL. vNetCard™ is a done-for-you service that requires substantial time, design labor, and resources dedicated to each customer. We do not issue refunds, prorated credits, or chargebacks for any reason, including but not limited to:

Dissatisfaction with the design or final product;
Failure to use the Services;
Mid-cycle cancellation of a subscription;
Technical issues outside our reasonable control;
Changes in your business needs.

You expressly waive any right to dispute, reverse, or charge back any payment made for the Services. Initiating a chargeback without first attempting to resolve the issue in good faith through our support team will be considered a material breach of this Agreement and may result in account termination and collection activity.

4.6 Failed Payments

If a payment fails, we may suspend your account and attempt to reprocess the payment. You are responsible for any fees resulting from failed payments. Repeated failed payments may result in permanent termination of your account.

5. Acceptable Use Policy

You agree not to use the Services to:

Violate any law, regulation, or third-party right;
Send spam, unsolicited commercial messages, or engage in phishing;
Impersonate any person or entity;
Harm or exploit minors;
Upload viruses, malware, or harmful code;
Attempt to gain unauthorized access to any portion of the Services;
Scrape, crawl, or use automated means to access the Services;
Reverse engineer, decompile, or disassemble any portion of the Services;
Collect user data without consent;
Interfere with or disrupt the Services or related infrastructure;
Use the Services to compete with vNetCard™ LLC.

Violations may result in immediate suspension, termination, and legal action without refund.

6. Intellectual Property Rights

6.1 Our IP

All content, trademarks, logos, designs, software, and other intellectual property on the Services including the vNetCard™ name and logo — are the exclusive property of vNetCard™ LLC or its licensors. vNetCard™, vNetCRM™, and vNetAI™ are trademarks of vNetCard™ LLC.

6.2 Limited License to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business and personal networking purposes only. You may not reproduce, modify, distribute, sell, lease, or create derivative works of any portion of the Services without our prior written consent.

6.3 Your Content

You retain ownership of any content you submit to the Services (your "User Content"), including your name, photo, business information, logos, and other materials you upload for your digital card.

By submitting User Content, you grant vNetCard™ LLC a worldwide, royalty-free, sublicensable, perpetual, irrevocable license to host, store, reproduce, display, distribute, and use your User Content solely for the purpose of providing, improving, and marketing the Services.

You represent and warrant that: (a) you own or have the necessary rights to your User Content; (b) your User Content does not infringe any third party's rights; and (c) your User Content complies with these Terms and applicable law.

6.4 Feedback

If you provide feedback, suggestions, or ideas about the Services, you grant us a perpetual, irrevocable, royalty-free license to use them for any purpose without compensation or attribution.

7. Third-Party Services and Links

The Services may integrate with or link to third-party websites, applications, or services, including Stripe, GoHighLevel, Google, Meta, and others. We are not responsible for the content, policies, or practices of third parties. Your use of third-party services is governed by their own terms and privacy policies.

8. SMS and Text Messaging Consent

By providing your mobile number and opting in, you consent to receive recurring automated text messages from vNetCard™ LLC for account notifications, service updates, and marketing communications. Consent is not a condition of purchase. Message frequency varies. Msg & data rates may apply.

To opt out, reply STOP to any message.
For help, reply HELP or contact [email protected].
Your mobile information will not be sold or shared with third parties for their marketing purposes.

9. DMCA / Copyright Policy

We respect the intellectual property rights of others. If you believe content on the Services infringes your copyright, please send a notice containing the information required by the Digital Millennium Copyright Act (17 U.S.C. § 512) to our designated agent:

DMCA Designated Agent

vNetCard™ LLC

Attn: DMCA Agent

7901 4th St N STE 300

St. Petersburg, FL 33702

Email: [email protected]

Our DMCA agent is registered with the U.S. Copyright Office. We will respond to valid notices in accordance with the DMCA.

10. Termination

We may suspend or terminate your access to the Services at any time, with or without cause or notice, including for violation of these Terms. Upon termination:

Your license to use the Services immediately ends;
You remain responsible for any outstanding fees;
No refunds will be issued (see Section 4.5);
Sections that by their nature should survive (including Sections 4.5, 6, 11, 12, 13, 14, 15, 16, 17, and 18) will survive termination.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, vNETCARD™ LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES. YOU USE THE SERVICES AT YOUR OWN RISK.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL vNETCARD™ LLC, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE THREE (3) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

13. Indemnification

You agree to indemnify, defend, and hold harmless vNetCard™ LLC and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from: (a) your use or misuse of the Services; (b) your violation of these Terms; (c) your User Content; or (d) your violation of any third-party right or applicable law.

14. Electronic Communications and Signatures

You consent to receive communications from us electronically (email, SMS, in-app notifications). Electronic communications satisfy any legal requirement that communications be in writing. You agree that your electronic acceptance of these Terms has the same legal effect as a handwritten signature.

15. Force Majeure

We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or utility outages, cyberattacks, government actions, or pandemics.

16. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

17. Dispute Resolution, Arbitration, and Class Action Waiver

PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR LEGAL RIGHTS.

17.1 Informal Dispute Resolution (Required First Step)

Before filing any claim, you and vNetCard™ LLC agree to attempt to resolve the dispute informally for at least thirty (30) days. To begin, you must send written notice to [email protected] describing: (a) your name and contact information; (b) the nature of the dispute; and (c) the relief requested. If we cannot resolve the dispute within 30 days of receipt, either party may proceed to arbitration.

17.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that is not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in Orange County, Florida, or another mutually agreed location. The arbitrator's decision will be final and binding.

17.3 Class Action Waiver

YOU AND vNETCARD™ LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one party's claims or preside over any class or representative proceeding.

17.4 Exceptions

Either party may bring an individual action in small claims court, or seek injunctive relief in a court of competent jurisdiction for violations of intellectual property rights.

17.5 Jury Trial Waiver

TO THE EXTENT ANY CLAIM PROCEEDS IN COURT RATHER THAN ARBITRATION, YOU AND vNETCARD™ LLC WAIVE ANY RIGHT TO A JURY TRIAL.

17.6 Time Limitation

Any claim must be filed within one (1) year after the cause of action arose, or it is permanently barred.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and vNetCard™ LLC regarding the Services.

18.2 Severability

If any provision is held unenforceable, the remaining provisions will remain in full force and effect.

18.3 No Waiver

Our failure to enforce any provision will not be deemed a waiver of that provision.

18.4 Assignment

You may not assign these Terms without our written consent. We may assign these Terms at any time without notice.

18.5 Export Controls

You agree to comply with all U.S. export control laws and regulations and will not export, re-export, or transfer the Services in violation of such laws.

18.6 Notices

We may provide notice to you via email, in-app notification, or by posting on the Services. You may provide notice to us at [email protected] or at the address below.

18.7 Modifications to These Terms

We may update these Terms at any time. Material changes will be posted on this page with an updated "Effective Date," and we will provide notice via email or in-app notification at least thirty (30) days before changes take effect for existing customers. Your continued use after the effective date constitutes acceptance.