Terms of Use.

These Terms of Use, together with the Privacy Policy incorporated herein by reference (collectively, the “Agreement”), constitute a legally binding agreement between you (“you,” “your,” or “User”) and NoCard Co., a New Jersey corporation operating as NoCard Club, including its subsidiaries, affiliates, successors, and assigns (“NoCard,” “NoCard Club,” “we,” “us,” or “our”). NoCard operates the website located at nocardclub.com, all associated subdomains, any mobile or desktop applications, application programming interfaces, integrations, and any other related software, services, content, features, or functionalities now or hereafter made available by NoCard (collectively, the “Services”).

By accessing, browsing, registering for, or using the Services in any manner — including, without limitation, by creating an account, building a digital business card, building or sharing a referral list, endorsing or interacting with another user, viewing another user’s profile, or scanning a NoCard QR code — you affirm that you have read, understood, and agree to be bound by this Agreement, regardless of whether you have created a NoCard account. If you do not agree, you are not authorized to access or use the Services and must immediately cease all use.

If you access or use the Services on behalf of an entity, a practice, a firm, a brokerage, a medical group, an agency, a business, or any other person, you represent and warrant that you have the authority to bind that entity or person to this Agreement, and “you” and “your” shall refer to both you individually and to such entity or person. NoCard reserves the right to require evidence of such authority at any time.

This Agreement applies regardless of how you access the Services — whether by web browser, mobile application, embedded widget, API, integration partner, or any other means now known or hereafter devised. If your use of the Services is terminated for any reason, (a) this Agreement will continue to apply to your prior use and any subsequent or unauthorized use, including your indemnification obligations, and (b) any rights or licenses granted to NoCard under this Agreement will survive such termination.

NoCard’s collection and use of your personal information in connection with the Services is described in the Privacy Policy set forth below, which is incorporated into and forms part of these Terms.

NoCard reserves the right, in its sole discretion, to modify, amend, supplement, or replace any portion of this Agreement at any time and for any reason or no reason, with or without prior notice. Any such changes will become effective immediately upon posting of the updated Agreement on the Services or upon such other date as NoCard may designate (the “Updated Terms”). The most current version of the Agreement will always be available at nocardclub.com or by request to info@nocardclub.com.

You are responsible for periodically reviewing the Agreement and remaining informed of any changes. You agree that NoCard is not required to provide individual notice of changes, although NoCard may, at its sole discretion, provide notice by email, in-product notification, or any other reasonable means. Your continued access to or use of the Services after any Updated Terms are posted constitutes your acceptance of and agreement to be bound by the Updated Terms. If you do not agree to the Updated Terms, your sole and exclusive remedy is to immediately stop accessing and using the Services and to terminate your account.

Any dispute arising under this Agreement will be governed by the version of the Agreement in effect at the time of the first event giving rise to the dispute. Except for changes by NoCard as described in this Section, no other amendment or modification of this Agreement will be effective unless in a writing signed by an authorized officer of NoCard. Oral statements, promises, or representations made by any NoCard employee, contractor, or agent shall not constitute a modification of this Agreement.

NoCard provides a professional networking and digital business card platform for licensed professionals, certified practitioners, and similar professionals across multiple industries (each, a “Professional User”). The Services are designed for use by, without limitation: physicians, dentists, nurses, nurse practitioners, physician assistants, pharmacists, and other healthcare professionals; attorneys and other legal professionals; real estate agents, real estate brokers, and real estate appraisers; mortgage brokers and loan officers; financial advisors, investment advisors, wealth managers, and registered representatives; insurance agents, insurance brokers, and underwriters; certified public accountants and tax professionals; general contractors, builders, home improvement contractors, and specialty trade contractors; architects, professional engineers, and surveyors; and practice managers, office administrators, brokerage administrators, and similar staff supporting any of the foregoing. The Services allow Users to create, store, share, and display digital business cards; build personal lists of trusted professional contacts (“Referral Lists”); and interact with other Users. The Services may also include, without limitation, artificial intelligence assistance for card creation, directory and search features, group and office management features, and other tools as developed by NoCard from time to time. NoCard may, in its sole discretion, introduce, modify, or discontinue features over time, including any features related to identity confirmation, credential review, network endorsement, search visibility, or user status.

THE SERVICES ARE A PROFESSIONAL DIRECTORY AND NETWORKING TOOL ONLY. NoCard does not provide healthcare, medical, legal, real estate, brokerage, construction, contracting, financial, investment, tax, accounting, insurance, employment, credentialing, licensing, malpractice review, or any other professional services. NoCard does not facilitate, schedule, book, broker, route, or otherwise mediate appointments, patient referrals in any clinical sense, client referrals in any legal sense, real estate transactions, construction contracts, financial transactions, insurance placements, or any other professional services between Users or between Users and any third party. The act of one User adding another User to a Referral List, sharing a card, or viewing a profile through the Services does not constitute a referral in any legal, regulatory, clinical, contractual, RESPA, fee-splitting, or compensable sense; it is solely a personal organizational action taken by the User.

Subject to your compliance with this Agreement, NoCard grants you a limited, non-exclusive, non-sublicensable, non-transferable, revocable license to access and use the Services solely for your own personal or internal professional organizational purposes. All rights not expressly granted herein are reserved by NoCard. Portions of the Services may be viewable without an account; other portions require account registration.

NoCard reserves the right, at its sole discretion and without notice, to: (a) add, modify, remove, suspend, discontinue, or replace any feature, functionality, or component of the Services in whole or in part; (b) impose limits on certain features or restrict access to parts or all of the Services; (c) change pricing, subscription terms, or other commercial terms of any paid features; (d) cease providing the Services entirely; and (e) take any other action it deems appropriate. Under no circumstances will NoCard be liable to you or any third party for any modification, suspension, or discontinuation of any portion of the Services.

NoCard is not a licensed healthcare provider, attorney or law firm, real estate broker or brokerage, building contractor, certified public accountant, financial advisor, registered investment advisor, broker-dealer, insurance company or producer, mortgage broker, credentialing body, licensing authority, government agency, multiple listing service, regulatory authority, or provider of professional advice of any kind. No content, communication, feature, output, or recommendation generated by, transmitted through, or accessible via the Services constitutes — and you must not rely on any of it as — medical, dental, nursing, pharmacy, legal, tax, accounting, financial, investment, real estate, mortgage, brokerage, appraisal, construction, contracting, building, architectural, engineering, insurance, regulatory, employment, credentialing, or other professional advice of any kind.

Information provided through the Services, including but not limited to professional profiles, biographies, specialties, credentials, education, training, licenses, registrations, board certifications, designations (such as MD, DO, JD, Esq., CPA, CFA, CFP, MBA, NMLS#, REALTOR®, AIA, PE, GC, or similar), affiliations, practice and office addresses, contact information, photographs, biographical statements, and any content generated by NoCard’s artificial intelligence features, is provided for informational and organizational purposes only and is not a substitute for independent verification, professional judgment, or licensed professional services.

NoCard does not refer, recommend, endorse, certify, accredit, or vouch for any User, professional, practice, firm, brokerage, or service that appears on or is accessible through the Services. The presence of a User’s profile in the Services, the inclusion of a User in another User’s Referral List, the display of any badge, designation, color, mark, label, ranking, or other indicator of network status or identity confirmation (each, a “Status Indicator”), or the absence of any such Status Indicator, is not a guarantee, certification, or representation by NoCard of the User’s identity, licensure, credentials, board certification, designation, registration, malpractice coverage, errors-and-omissions coverage, bonding, professional competence, ethical standing, disciplinary history, character, fitness to practice, or suitability for any particular service, patient, client, transaction, or project. NoCard makes no representation regarding any User’s qualifications and disclaims any duty to investigate, verify, or monitor any User’s credentials, claims, conduct, or compliance with applicable laws.

If NoCard offers or adopts any process for identity confirmation, credential review, network endorsement, or similar verification (collectively, “Verification Activities”) — whether now or in the future — such processes are designed only to provide reasonable, network-appropriate signals of legitimacy. They are not designed, intended, or warranted to function as comprehensive professional credentialing, employment verification, background checks, criminal history checks, malpractice or disciplinary history reviews, sanctions screenings, licensure-board verifications, bar status checks, real estate license verifications, FINRA/SEC verifications, or contractor license verifications. Any Verification Activity, Status Indicator, or related signal does not constitute, and shall not be interpreted as, a representation by NoCard regarding any User’s professional qualifications, competence, fitness, or compliance with applicable professional or regulatory standards. NoCard may operate the Services with no Verification Activities at all, and the absence of any verification process or Status Indicator with respect to a User shall not be interpreted as a negative representation about that User.

Any reliance you place on any User’s stated credentials, professional qualifications, designations, or representations is at your own risk. You agree to independently verify any User’s credentials, licensure, registration, and qualifications before engaging that User professionally, referring a patient or client to that User, retaining that User for a transaction or project, or relying on any communication from that User. Sources for independent verification include, without limitation: for healthcare professionals — state medical, dental, nursing, and pharmacy boards, the National Provider Identifier (NPI) Registry, the National Practitioner Data Bank, the Federation of State Medical Boards, and the DEA registration database; for attorneys — state bar association directories and disciplinary records; for real estate professionals — state real estate commission databases and local multiple listing services; for financial advisors and registered representatives — FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure (IAPD) database; for insurance professionals — state department of insurance licensee databases and the National Insurance Producer Registry (NIPR); for accountants — state CPA society directories and the AICPA; for contractors, builders, and tradespeople — state and municipal contractor licensing boards, lien records, and the Better Business Bureau; for architects and engineers — state professional licensing board databases and the National Council of Architectural Registration Boards (NCARB) or the National Council of Examiners for Engineering and Surveying (NCEES); and equivalent professional regulatory bodies for any other profession.

Your use of the Services does not create — and shall not be deemed to create — any physician-patient, dentist-patient, nurse-patient, pharmacist-patient, attorney-client, accountant-client, broker-client, agent-principal, advisor-client, financial advisor-client, contractor-customer, builder-owner, architect-owner, engineer-owner, insurance producer-insured, fiduciary, agency, escrow, partnership, joint venture, employment, independent contractor, or other professional, contractual, or confidential relationship of any kind, whether between you and NoCard, between you and any other User, or between any other parties. Communications transmitted through the Services, including any direct messaging or contact features, are not intended for the provision of clinical, legal, financial, real estate, construction, insurance, accounting, or other professional advice and shall not be relied upon as such.

In particular, and without limitation, the act of a User: (a) viewing another User’s profile or digital card; (b) saving another User to a Referral List; (c) sharing a card with another User; (d) tapping a User’s QR code or contact details; (e) receiving an introduction through the Services; or (f) communicating with another User through any feature of the Services, shall not, in itself or in combination, create or be evidence of any physician-patient, attorney-client, broker-client, contractor-customer, advisor-client, fiduciary, agency, escrow, confidential, or other professional relationship.

No Attorney-Client Privilege; No Confidentiality. Without limiting the foregoing, communications transmitted through the Services are not privileged, confidential, or protected by attorney-client privilege, attorney work-product doctrine, physician-patient privilege, accountant-client privilege, or any similar legal protection. Do not transmit confidential, privileged, or sensitive professional information through the Services. If you are an attorney, you remain solely responsible for ensuring that your communications with prospective or actual clients are conducted through appropriate channels that preserve any applicable privilege; the Services are not such a channel.

If you are a patient, client, customer, prospective home buyer or seller, member of the public, or other recipient seeking professional services, you are solely responsible for selecting, contacting, evaluating, retaining, contracting with, and compensating any professional you find through the Services, and any relationship that results from such contact is solely between you and that professional. NoCard is not a party to any such relationship and has no responsibility for any conduct, advice, treatment, services, transactions, contracts, work product, or omissions of any professional you encounter through the Services.

In the event of a medical or other professional emergency, do not use the Services. Call 911 (or the applicable emergency number in your jurisdiction) or go to the nearest emergency facility. The Services are not designed for, and must not be used for, emergency communication of any kind.

To access certain features of the Services, you must register for a NoCard account. When you register, you agree to provide accurate, current, and complete information about yourself, your professional credentials, your affiliations, and your contact details, and you agree to update such information as necessary to keep it accurate, current, and complete. You acknowledge and agree that any information you submit may be used by NoCard for purposes described in the Privacy Policy and as otherwise permitted by this Agreement.

You are responsible for safeguarding your account credentials, including your email address, password, multi-factor authentication device, and any other authentication information (collectively, “Credentials”). You agree to keep your Credentials confidential and not to share them with any third party. You are solely responsible for any and all activities that occur under your account, whether or not authorized by you, and NoCard shall not be liable for any loss or damage arising from your failure to safeguard your Credentials. You must immediately notify NoCard at info@nocardclub.com if you suspect or become aware of any unauthorized use of your account or any breach of security.

You may be able to register or log in to the Services using credentials provided by a third-party service (such as Google, Apple, or Microsoft). If you do so, you authorize NoCard to access and store the information made available by that third-party service in accordance with the Privacy Policy and the terms and privacy policies of that third-party service. NoCard is not responsible for the practices, policies, or content of any third-party authentication service.

To register for or use the Services, you must be at least eighteen (18) years of age (or the age of legal majority in your jurisdiction, if higher) and have the legal capacity to enter into a binding contract. The Services are not directed to, and may not be used by, persons under the age of thirteen (13) under any circumstances. Persons between the ages of thirteen (13) and the age of majority may use the Services only with the express consent and supervision of a parent or legal guardian who has agreed to be bound by this Agreement on their behalf.

Users who register as licensed or certified professionals — including, without limitation, healthcare professionals, attorneys, real estate agents, brokers, mortgage loan originators, financial advisors, investment advisers, insurance producers, accountants, contractors, builders, architects, engineers, and similar professionals — must lawfully hold the credentials, licenses, registrations, designations, or roles they claim and must use the Services only in compliance with all applicable professional, regulatory, ethical, and legal obligations applicable to their profession and jurisdiction. Office, practice, brokerage, and firm administrators must lawfully hold the role they claim at the practice, brokerage, firm, or office in question. You represent and warrant on a continuing basis that any professional credentials you claim are accurate, current, and in good standing, and you agree to immediately update or remove any credentials that become inaccurate, lapsed, suspended, revoked, or otherwise compromised. False representation of credentials is grounds for immediate termination of your account and may result in civil or criminal liability, as well as reporting to applicable licensing boards or regulators.

The Services are administered from the United States and are intended primarily for use by Users located within the United States. If you access the Services from outside the United States, you do so at your own risk and are solely responsible for compliance with applicable local laws. NoCard makes no representation that the Services are appropriate or available for use in any location outside the United States, and access to the Services from territories where the Services are illegal is strictly prohibited.

NoCard may, but is not obligated to, offer one or more user statuses, badges, designations, indicators, or other signals of network standing or identity confirmation (collectively, “User Status”). The availability, criteria, scope, privileges, names, and mechanics of any User Status are determined by NoCard in its sole discretion and may be introduced, modified, expanded, narrowed, renamed, suspended, or eliminated at any time, with or without notice. NoCard may operate the Services with no User Status system at all, with a single tier, or with multiple tiers. Users have no vested right in any User Status, badge, designation, or network privilege.

If and when NoCard offers any form of identity confirmation, credential review, peer endorsement, network endorsement, or other verification process (collectively, “Verification Activities”), Verification Activities are intended only to provide reasonable, network-appropriate signals of legitimacy and are not, and shall not be interpreted as, comprehensive professional credentialing, employment verification, background checks, criminal history checks, malpractice or disciplinary history reviews, sanctions screenings, licensure-board verifications, bar status checks, real estate license verifications, FINRA/SEC verifications, contractor license verifications, or any other formal credentialing process.

Some Users may interact with the Services without completing any Verification Activities, and the absence of any Status Indicator with respect to a User shall not be interpreted as a negative representation by NoCard about that User. NoCard makes no representation that any particular User has been verified, vetted, or evaluated in any manner.

If NoCard introduces processes that involve Users participating in identifying, confirming, endorsing, or vouching for the identity or credentials of other Users (each, a “Participating User”), each Participating User acknowledges and agrees that: (a) any role they accept is a designation of trust, not compensation; (b) they will not receive payment, monetary value, equity, gift cards, kickbacks, finder’s fees, settlement service compensation, or any compensation tied to the volume of their participation, referral activity, or any other variable; (c) any recognition constitutes non-monetary acknowledgment and is not consideration for inducing referrals, splitting fees, or providing settlement services; (d) they will participate only in good faith; (e) their participation is subject to audit, and NoCard may suspend, revoke, or terminate their role or participation at any time, with or without notice and with or without cause; and (f) any representations they make in the course of their participation run solely to NoCard and do not create any duty owed by them to any other User, third party, or member of the public.

NoCard makes no representation that any Participating User will exercise good judgment, act in good faith, or accurately identify, confirm, endorse, or vouch for any other User. Reliance on the existence or actions of any Participating User is at your own risk. NoCard disclaims all liability for any action, omission, error, misjudgment, or fraud by any User or Participating User.

A Referral List is a private or semi-private list of professional contacts that a User maintains for their own organizational and operational use. Adding a User to your Referral List, sharing a List with members of your practice, firm, brokerage, or office, or using a List to organize professional handoffs is solely your action and does not, by itself, constitute a referral in any legal, regulatory, clinical, contractual, fiduciary, fee-splitting, or compensable sense.

NoCard does not route, broker, charge for, or otherwise mediate any referral between Users or between Users and any third party — including, without limitation, any patient referral, client referral, real estate transaction referral, mortgage referral, settlement service referral, insurance placement referral, or construction-project referral. NoCard does not receive compensation, kickbacks, rebates, finder’s fees, or anything of value from any User or third party in exchange for inclusion in any Referral List, search result, suggested professional, recommended specialist, or other network feature. NoCard does not pay Users for adding others to a Referral List, for endorsing or recommending others, or for any activity that could be construed as inducing referrals, splitting fees, or providing settlement services.

Without limiting the foregoing, NoCard intends that the Services, including all referral-related and network features, operate in compliance with applicable laws governing professional referrals, including without limitation: (a) for healthcare — the federal Anti-Kickback Statute (42 U.S.C. § 1320a-7b), the Stark Law (42 U.S.C. § 1395nn), the Eliminating Kickbacks in Recovery Act (EKRA), and applicable state anti-kickback, anti-referral, fee-splitting, and self-referral laws; (b) for real estate — the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. § 2607) and its implementing regulations (including Regulation X) prohibiting kickbacks and unearned fees for settlement service referrals, the Fair Housing Act, and applicable state real estate license laws, MLS rules, and brokerage agreements; (c) for legal services — applicable state rules of professional conduct including the prohibition on fee-splitting with non-lawyers (typically Model Rule 5.4), restrictions on lawyer advertising and solicitation (typically Model Rules 7.1–7.3), restrictions on payment for client referrals, and unauthorized practice of law statutes; (d) for financial services — FINRA, SEC, and state securities regulator rules governing referral fees, fiduciary duties under the Investment Advisers Act of 1940, and the Investment Company Act; (e) for insurance — state insurance department rules, anti-rebating statutes, and producer licensing laws; (f) for contractors and builders — state and municipal contractor licensing laws, home improvement consumer protection laws, mechanic’s lien laws, and prohibitions on unlicensed practice; (g) for accountants — AICPA professional conduct rules and state board of accountancy rules; and (h) equivalent laws, regulations, and ethics rules applicable to any other profession represented on the Services.

Each User is solely responsible for ensuring that the User’s own use of Referral Lists, recommendations, and other network features complies with all laws, regulations, and professional ethics rules applicable to that User’s profession, license, and jurisdiction. Without limiting the User’s independent obligations, the User shall not accept, offer, give, request, or pay any compensation, fee, kickback, rebate, gift, or other thing of value in exchange for being listed on, included in, endorsed through, or being referred through, the Services.

Digital business cards generated through the Services may include information automatically populated by NoCard’s artificial intelligence features or by third-party sources. You are solely responsible for reviewing and ensuring the accuracy of all information displayed on your card, including any required disclaimers or disclosures imposed by your licensing jurisdiction or professional rules. NoCard does not warrant the accuracy, currency, or completeness of any auto-populated information, and you must independently review and correct your card before sharing it.

You agree to use the Services only for lawful purposes and in accordance with this Agreement. Without limiting the foregoing, you agree that you will not, and will not attempt to or permit any third party to:

• Use the Services in violation of any applicable federal, state, local, or international law, regulation, professional ethics rule, or employment or contractual obligation;
• Misrepresent your identity, credentials, licensure, registration, board certification, designations, employment, practice or firm affiliation, brokerage affiliation, specialty, jurisdictional authorization, or any other professional or personal information;
• Use the Services to engage in the unauthorized practice of law, medicine, dentistry, nursing, pharmacy, real estate brokerage, mortgage lending, securities advisory, insurance, contracting, building, architecture, engineering, accounting, or any other licensed or regulated profession;
• Use the Services to engage in any activity that violates the Fair Housing Act, the Equal Credit Opportunity Act, state fair housing laws, the Americans with Disabilities Act, or any other anti-discrimination law applicable to housing, credit, employment, or professional services;
• Impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with a person or entity, or assist any other User in doing so;
• Use the Services to engage in any activity that constitutes — or could be construed as constituting — a violation of the federal Anti-Kickback Statute, the Stark Law, EKRA, RESPA, state anti-kickback, anti-referral, fee-splitting, or anti-rebating laws, state bar prohibitions on fee-splitting with non-lawyers, FINRA or SEC rules governing referral compensation, or any other applicable law governing professional referrals or compensation;
• Use the Services to engage in any anticompetitive conduct, price fixing, market allocation, group boycott, or any other violation of antitrust, competition, or consumer protection laws;
• Use any robot, spider, scraper, data mining tool, or other automated means to access, copy, harvest, index, or extract data from the Services except as expressly permitted by NoCard in writing;
• Reproduce, duplicate, copy, sell, resell, sublicense, or otherwise commercially exploit any portion of the Services or any access to or use of the Services without the express written consent of NoCard;
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, models, or trade secrets underlying the Services;
• Interfere with, disrupt, or attempt to gain unauthorized access to any part of the Services, any NoCard systems, networks, or servers, or any User account;
• Use any portion of the Services to develop, train, or improve any artificial intelligence, machine learning, or similar model, or to compete with NoCard, except as expressly permitted in writing;
• Use the Services to transmit any virus, worm, malware, spyware, ransomware, or other malicious code, or to engage in any phishing, fraud, or other deceptive practice;
• Use the Services to send any unsolicited communications, advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or other prohibited forms of solicitation;
• Use the Services to harass, threaten, defame, abuse, stalk, or otherwise harm any other User or person;
• Use the Services to upload, post, transmit, or otherwise make available any content that is unlawful, infringing, defamatory, obscene, pornographic, harassing, threatening, hateful, racially or ethnically offensive, or otherwise objectionable;
• Upload, post, or transmit through the Services any (a) protected health information (“PHI”), patient medical records, identifiable patient images, or other information protected by HIPAA, HITECH, or similar state or federal law; (b) attorney-client privileged communications, attorney work product, or client confidences; (c) non-public personal information regulated by the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, or similar financial-privacy laws; (d) escrow funds information or material non-public real estate transaction details; (e) customer information subject to brokerage confidentiality rules under FINRA or SEC regulation; (f) trade secrets or proprietary specifications; or (g) any other personal, financial, medical, legal, or proprietary information of a third party that you are under a legal, contractual, fiduciary, or professional duty to protect. THE SERVICES ARE NOT A HIPAA-COMPLIANT PLATFORM, NOT AN ATTORNEY-CLIENT-PRIVILEGED COMMUNICATION CHANNEL, AND NOT A SECURE PLATFORM FOR ANY CONFIDENTIAL CLIENT OR PROFESSIONAL INFORMATION;
• Use the Services to engage in any clinical, legal, financial, real estate transactional, or other regulated professional activity for which a credentialed, regulated, secure, privileged, or compliance-certified platform is required by law, regulation, or professional ethics rules;
• Frame, mirror, scrape, or use any meta tags, hidden text, or other techniques utilizing NoCard’s name, logo, trademark, or other proprietary marks without express written authorization;
• Bypass, disable, or otherwise interfere with any security-related feature of the Services;
• Falsely claim, suggest, or imply that NoCard sponsors, endorses, is affiliated with, or is otherwise associated with you, your practice, or your services;
• Encourage, solicit, or assist any other person to engage in any of the foregoing prohibited activities.

NoCard reserves the right, but is not obligated, to investigate any suspected violation of this Section and to take any action it deems appropriate, including, without limitation, issuing warnings, suspending or terminating your account, removing content, restricting access to features, reporting violations to law enforcement or regulatory authorities, cooperating with investigations, and seeking civil or criminal remedies.

“User Content” means any content, data, information, text, images, video, audio, profile data, biographical content, professional credentials, contact information, photographs, Referral List entries, endorsements, recommendations, ratings, reviews, feedback, suggestions, comments, posts, messages, or other materials that you submit, post, upload, display, transmit, or otherwise make available through or in connection with the Services. You retain ownership of any intellectual property rights in your User Content.

By submitting User Content through the Services, you hereby grant to NoCard a non-exclusive, worldwide, royalty-free, fully paid-up, sublicensable, transferable, perpetual, and irrevocable license to access, use, host, store, cache, reproduce, modify, adapt, translate, create derivative works of, publish, publicly display, publicly perform, distribute, transmit, and otherwise exploit your User Content in any and all media formats and through any and all media channels now known or hereafter developed, for any purpose related to the operation, provision, improvement, marketing, or promotion of the Services or NoCard’s business, including, without limitation, the training, development, and improvement of NoCard’s artificial intelligence models and features. You acknowledge and agree that NoCard is not required to compensate you for any use of your User Content.

You represent and warrant on a continuing basis that: (a) you own or have all necessary rights, licenses, consents, permissions, and authorizations to submit your User Content and to grant the licenses set forth in this Section; (b) your User Content does not and will not infringe, misappropriate, or violate any patent, copyright, trademark, trade secret, moral right, right of publicity, right of privacy, or other proprietary or intellectual property right of any third party; (c) your User Content is accurate, current, and not misleading; (d) you have obtained all necessary consents from any third party whose personal information is included in your User Content; and (e) your User Content does not violate any applicable law, regulation, or this Agreement.

You are solely responsible for your User Content and the consequences of submitting it. NoCard does not endorse, verify, or assume any responsibility for User Content. NoCard reserves the right, but is not obligated, to monitor, review, screen, edit, refuse, remove, or take any other action with respect to any User Content at any time and for any reason in its sole discretion, with or without notice.

Feedback. If you provide NoCard with any suggestions, comments, ideas, improvements, or other feedback regarding the Services (“Feedback”), you hereby grant NoCard an unrestricted, perpetual, irrevocable, royalty-free, fully paid-up, worldwide, sublicensable, transferable license to use, reproduce, modify, distribute, and otherwise exploit such Feedback for any purpose, without any compensation, credit, or attribution to you.

All right, title, and interest in and to the Services, including, without limitation, all underlying software, source code, designs, user interfaces, layouts, graphics, images, text, models, algorithms, neural networks, training methodologies, databases, documentation, branding, trademarks, service marks, trade names, logos, and taglines (including, without limitation, “NoCard,” “NoCard Club,” the strikethrough wordmark, the gold dot, the tagline “The business card without the card,” and all variants and translations thereof), and all other intellectual property and proprietary rights therein (collectively, the “NoCard IP”), are and shall remain the exclusive property of NoCard and its licensors. The NoCard IP is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to your compliance with this Agreement, NoCard grants you a limited, non-exclusive, non-sublicensable, non-transferable, revocable license to access and use the Services and to view, download (where expressly permitted), and print materials available through the Services solely for your personal, non-commercial use or internal professional organizational use. No other rights or licenses are granted.

The Services may contain links to, embed, integrate with, or otherwise reference websites, content, products, services, or resources provided by third parties (“Third-Party Resources”). NoCard provides Third-Party Resources for your convenience only and does not control, endorse, or assume responsibility for any Third-Party Resources or for the content, accuracy, privacy practices, security, terms, or any other aspect of any Third-Party Resources. Your access to and use of any Third-Party Resources is at your sole risk and is subject to the terms and policies of the applicable third party.

You acknowledge and agree that any interactions, transactions, communications, or relationships between you and any other User, professional, organization, or third party found through the Services are solely between you and such other party. NoCard is not a party to any such interaction, transaction, or relationship and shall have no responsibility or liability whatsoever for any aspect thereof. You release NoCard, its affiliates, officers, directors, employees, agents, contractors, successors, and assigns from any and all claims arising from any such interaction, transaction, or relationship.

If you are a licensed or certified professional, you represent and warrant on a continuing basis that you are, and will at all relevant times remain, in compliance with: (a) all applicable federal, state, local, and international laws and regulations governing your profession; (b) the ethical and professional conduct rules of your profession; (c) the terms of your professional license, registration, designation, certification, and admission; (d) the terms of your employment agreements, partnership agreements, brokerage agreements, supervisory agreements, and any other agreements with your employer, practice, hospital, group, firm, brokerage, association, or principal; (e) any applicable institutional policies, including hospital bylaws, medical staff bylaws, firm policies, brokerage policies, and similar governance documents; and (f) all applicable advertising, solicitation, disclosure, and conflict-of-interest rules of your profession and jurisdiction.

You are solely responsible for determining whether your use of the Services is consistent with your professional, ethical, regulatory, contractual, and fiduciary obligations. NoCard makes no representation that the Services are appropriate, suitable, or compliant for your specific profession, jurisdiction, license type, or scope of practice. You agree to indemnify, defend, and hold harmless NoCard from any and all claims, losses, damages, fines, penalties, and expenses arising from your failure to comply with such obligations or from your use of the Services in any manner inconsistent with applicable law or ethics.

Without limiting the foregoing, you acknowledge that the Services are not designed for and must not be used for: (a) the transmission, storage, or processing of protected health information except as expressly authorized in writing by NoCard pursuant to a separate Business Associate Agreement; (b) the provision of telemedicine or any clinical service; (c) the issuance of prescriptions, orders, or referrals in any clinical sense; (d) the practice of law in any form; (e) the brokering of real estate transactions or execution of escrow services; (f) the offer, sale, or recommendation of securities or investment advisory services; (g) the underwriting or binding of insurance; (h) the execution of construction contracts, change orders, or mechanic’s lien filings; or (i) any other activity for which a credentialed, licensed, secure, privileged, or compliance-certified platform is required by law, regulation, or professional ethics rules.

Certain features of the Services may be offered free of charge, while others may require payment of fees (“Paid Features”). All Paid Features are subject to the pricing, billing, and subscription terms presented at the time of purchase, which are incorporated into and form part of this Agreement. Unless otherwise expressly stated, all fees are quoted in United States dollars, are non-refundable, and are exclusive of any applicable taxes, which you are responsible for paying.

If you sign up for a recurring or subscription-based Paid Feature, you authorize NoCard or its payment processor to charge your designated payment method on a recurring basis until you cancel. You may cancel your subscription at any time, with cancellation taking effect at the end of the then-current billing period. NoCard does not provide refunds for any unused portion of a subscription period. NoCard may use third-party payment processors (including, without limitation, Stripe) to process payments. If you dispute any charge, you must notify NoCard in writing at info@nocardclub.com within thirty (30) days of the charge. Disputes raised after this period are waived.

NoCard reserves the right, in its sole discretion, with or without cause and with or without notice, to: (a) suspend, terminate, or deactivate your account; (b) restrict your access to any portion or all of the Services; (c) remove or refuse to display any User Content; (d) revoke, modify, or change any badge, designation, status, role, or other network indicator associated with your account; (e) deny you the ability to register for a new account; and (f) take any other action it deems appropriate, including legal action.

You may terminate this Agreement at any time by closing your account and ceasing all use of the Services. To close your account, contact info@nocardclub.com. Closure of your account does not entitle you to any refund of fees paid.

Upon termination, suspension, or deactivation: (a) your right to access and use the Services will immediately cease; (b) NoCard may delete or retain any User Content associated with your account, at its sole discretion, except as otherwise required by applicable law; (c) any rights or licenses granted to you under this Agreement will immediately terminate; (d) any obligations you have incurred under this Agreement prior to termination will remain in effect; and (e) Sections 4, 5, 7, 9, 10, 11, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, and any other provisions that by their nature should survive termination, shall survive termination of this Agreement.

THE SERVICES, ALL CONTENT, ALL USER CONTENT, ALL VERIFICATION STATUSES, ALL REFERRAL LISTS, ALL AI-GENERATED OUTPUTS, AND ALL OTHER ASPECTS OF THE SERVICES ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NOCARD AND ITS LICENSORS, SUPPLIERS, PARTNERS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, CONSULTANTS, AGENTS, REPRESENTATIVES, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE “NOCARD PARTIES”) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

ALL RELIANCE ON THE SERVICES AND ANY CONTENT THEREIN IS AT YOUR SOLE RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM NOCARD OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

SPECIFICALLY WITH RESPECT TO NEW JERSEY RESIDENTS: THE FOREGOING WARRANTY DISCLAIMERS APPLY TO THE MAXIMUM EXTENT PERMITTED BY NEW JERSEY LAW AND DO NOT LIMIT ANY NON-WAIVABLE RIGHTS OF NEW JERSEY CONSUMERS UNDER THE NEW JERSEY CONSUMER FRAUD ACT (N.J.S.A. § 56:8-1 ET SEQ.), THE NEW JERSEY TRUTH-IN-CONSUMER CONTRACT, WARRANTY AND NOTICE ACT (N.J.S.A. § 56:12-14 ET SEQ.), OR OTHER APPLICABLE NEW JERSEY LAW.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT AND UNDER NO LEGAL OR EQUITABLE THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, NEGLIGENCE, STATUTORY LIABILITY, OR OTHERWISE) SHALL ANY OF THE NOCARD PARTIES BE LIABLE TO YOU OR TO ANY THIRD PARTY CLAIMING UNDER OR THROUGH YOU FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, OR ENHANCED DAMAGES.

YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH NOCARD ARISING FROM OR RELATING TO THE SERVICES OR THIS AGREEMENT IS THE CANCELLATION OF YOUR ACCOUNT. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE NOCARD PARTIES TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SERVICES EXCEED THE GREATER OF: (I) THE TOTAL AMOUNT OF FEES, IF ANY, PAID BY YOU TO NOCARD DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE APPLICABLE CLAIM, OR (II) ONE HUNDRED U.S. DOLLARS (US$100.00).

THE FOREGOING LIMITATIONS AND EXCLUSIONS ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND NOCARD. SPECIFICALLY WITH RESPECT TO NEW JERSEY RESIDENTS: THE FOREGOING LIMITATIONS OF LIABILITY APPLY TO THE MAXIMUM EXTENT PERMITTED BY NEW JERSEY LAW AND DO NOT LIMIT ANY NON-WAIVABLE RIGHTS OF NEW JERSEY CONSUMERS. NOTHING IN THIS AGREEMENT IS INTENDED TO LIMIT LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD WHERE SUCH LIMITATION IS NOT PERMITTED BY APPLICABLE LAW.

If you have a dispute with one or more other Users, with any professional you encounter through the Services, with any practice or organization listed on the Services, or with any third party, you agree that NoCard is not obligated to become involved in any such dispute. You hereby irrevocably release, discharge, and hold harmless NoCard and the NoCard Parties from any and all claims, demands, damages (actual and consequential), losses, costs, and expenses (including reasonable attorneys’ fees) of every kind and nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes, the Services, or any User Content.

You agree to defend, indemnify, and hold harmless the NoCard Parties from and against any and all claims, actions, proceedings, demands, liabilities, damages (actual and consequential), losses, judgments, settlements, fines, penalties, costs, and expenses of every kind and nature (including, without limitation, reasonable attorneys’ fees, expert witness fees, and court costs) arising from or relating to: (a) your access to or use of the Services; (b) your User Content; (c) your violation or alleged violation of this Agreement; (d) your violation or alleged violation of any applicable law, regulation, or order; (e) your violation or alleged violation of any third-party right; (f) any misrepresentation or omission you make in connection with your account; (g) any endorsement, recommendation, confirmation, or other statement you provide through or in connection with the Services; (h) any dispute between you and any other User, professional, organization, or third party encountered through the Services; (i) any use of your Credentials by you or by any person you authorize or fail to prevent; or (j) any negligence, willful misconduct, fraud, or other wrongful act or omission by you or anyone acting on your behalf.

NoCard respects the intellectual property rights of others and expects Users to do the same. In accordance with the Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”), NoCard will respond expeditiously to notices of alleged copyright infringement that are properly submitted to NoCard’s designated copyright agent.

NoCard’s Designated Copyright Agent for receipt of DMCA Notices is: NoCard Co., Attn: Copyright Agent, 6 Pompton Ave, Suite 21, Cedar Grove, NJ 07009, info@nocardclub.com. Misrepresentations in a DMCA Notice may subject the submitter to liability under 17 U.S.C. § 512(f).

By creating an account or providing your contact information to NoCard, you consent to receive electronic communications from NoCard, including, without limitation, emails, in-product notifications, push notifications, and SMS or MMS text messages. You agree that all agreements, notices, disclosures, and other communications that NoCard provides to you electronically satisfy any legal requirement that such communications be in writing.

By voluntarily providing your mobile telephone number, you consent to NoCard contacting you by SMS, MMS, voice call, or other equivalent electronic means at that number, including via automated dialing systems and pre-recorded messages, for transactional, operational, informational, marketing, and promotional purposes. Your consent to receive marketing communications by SMS or MMS is not a condition of, and is not required to receive, any product or service from NoCard. You may reply STOP at any time to opt out, or HELP for assistance. Message frequency varies. Standard message and data rates may apply.

Referral notifications are subject to a stricter standard: NoCard sends referral-related text messages only to phone numbers whose holder has personally completed a verified opt-in (via the web opt-in form with code verification, or by texting REFER and confirming with YES). A third party providing your number — including a professional initiating a referral — does not by itself constitute consent to receive referral texts, and no referral text will be sent on that basis. Reply STOP to cancel referral texts at any time and START to re-subscribe.

(a) Mandatory Pre-Dispute Negotiation. Before initiating any arbitration or other legal proceeding, you and NoCard each agree to make a good-faith effort to resolve any dispute, claim, controversy, or disagreement arising from or relating to this Agreement, the Services, or your interactions with other Users (collectively, “Disputes”) through informal negotiation. To initiate this process, the complaining party must send a written notice to the other party describing the nature and basis of the Dispute and the relief sought. NoCard’s notice address is: NoCard Co., Attn: Legal Department, 6 Pompton Ave, Suite 21, Cedar Grove, NJ 07009, info@nocardclub.com. The parties must engage in good-faith negotiations for at least thirty (30) days from the date the notice is received before either party may initiate arbitration.

(b) Binding Individual Arbitration. If the parties cannot resolve a Dispute through informal negotiation, the Dispute shall be submitted to and finally resolved by binding individual arbitration administered by JAMS in accordance with the JAMS Streamlined Arbitration Rules and Procedures in effect at the time of arbitration. The arbitration shall be conducted by a single arbitrator with substantial experience in resolving commercial contract and consumer disputes. The arbitration shall take place in Bergen County or Essex County, New Jersey, or, if mutually agreed, by video or telephone conference.

(c) Arbitration Costs. Each party shall bear its own costs and attorneys’ fees in arbitration, except as otherwise required by applicable law or the Rules, and except that NoCard may seek to recover its attorneys’ fees and costs if it prevails on a claim that the arbitrator determines was frivolous or filed in bad faith.

(d) Class, Collective, and Representative Action Waiver. YOU AND NOCARD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION.

(e) Jury Trial Waiver. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND NOCARD EACH KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVE ANY AND ALL RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING FROM OR RELATING TO THIS AGREEMENT, THE SERVICES, OR YOUR INTERACTIONS WITH OTHER USERS, WHETHER IN COURT OR OTHERWISE.

(f) Exceptions to Arbitration. Notwithstanding the foregoing, either party may: (i) seek injunctive or other equitable relief from any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights; and (ii) bring an individual action in small claims court for claims that qualify.

(g) Opt-Out Right. You may opt out of this Arbitration Agreement by sending an email to NoCard at info@nocardclub.com, with the subject line “Arbitration Opt-Out,” within thirty (30) days of your first acceptance of these Terms. Your email must include: (i) your full name and residence address; (ii) the email address associated with your account; and (iii) a clear statement that you wish to opt out of the Arbitration Agreement.

(a) Governing Law. This Agreement and any Dispute arising from or relating to it shall be governed by and construed in accordance with the Federal Arbitration Act, applicable federal law, and the laws of the State of New Jersey, without giving effect to any choice or conflict of law principles that would result in the application of the laws of any other jurisdiction. Any judicial action permitted under Section 22 shall be brought exclusively in the state or federal courts located in Bergen County or Essex County, New Jersey.

(b) Limitation of Claims. Any claim or cause of action arising from or relating to this Agreement or your use of the Services must be filed within one (1) year after the claim or cause of action arises; otherwise, the claim or cause of action is permanently barred.

(c) Severability. If any provision of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

(d) Assignment. This Agreement is personal to you, and you may not assign it without NoCard’s prior written consent. NoCard may assign at any time.

(e) Entire Agreement. This Agreement, together with the Privacy Policy and any other policies referenced herein, constitutes the entire agreement between you and NoCard regarding the Services.

(f) Electronic Signature. Your affirmative act of registering for an account, accessing, or using the Services constitutes your electronic signature to this Agreement.

(g) Force Majeure. NoCard shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control.

(h) Notices. Notices to NoCard under this Agreement must be sent in writing to: NoCard Co., Attn: Legal Department, 6 Pompton Ave, Suite 21, Cedar Grove, NJ 07009, with a copy to info@nocardclub.com.

(i) Contact. For any questions about this Agreement or the Services, please contact: NoCard Co., info@nocardclub.com.