Effective Date: July 12, 2026

1. Acceptance of Terms

Cardsworth is provided to you by Fourteener Labs, LLC ("we," "us," or "our"). By installing or using Cardsworth (the "App"), you agree to these Terms of Use and the accompanying Privacy Policy. If you do not agree, do not install or use the App.

2. License to Use

Subject to your compliance with these terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use Cardsworth on Macs you own or control, for your personal use.

You may not reverse engineer, decompile, redistribute, rent, lease, sublicense, sell, or otherwise transfer the App or any portion of it, except as permitted by Apple's standard end-user license agreement that applies to all Mac App Store apps.

3. Free Trial & In-App Purchase

Cardsworth includes a full-featured free trial. When the trial ends, continued use requires a one-time "Lifetime Unlock" in-app purchase. The purchase is processed entirely through Apple's Mac App Store; all sales are final and subject to Apple's refund policies. We do not process or have access to your payment information.

The trial length and the price displayed in the App may change in future versions. The price you see at the time of purchase is the price you pay. Purchases are tied to your Apple ID and can be restored on Macs signed into the same Apple ID via the "Restore Purchases" function. The trial is anchored to your original download, so reinstalling does not restart it.

4. Not Financial Advice

Cardsworth is an organizational tool for records you enter yourself. It is not a financial adviser, and nothing in the App — including capture percentages, lifetime ROI figures, cents-per-point grades, annual-fee verdicts, application-rule counters (such as 5/24), or any other computed metric — constitutes financial, investment, legal, or tax advice, or a recommendation to open, keep, use, or close any credit card or financial product.

These figures are arithmetic on the numbers you entered; they are only as accurate as your entries and the assumptions you chose. Decisions about credit products can affect your credit standing, fees, and finances — make them based on current information from your issuer and, where appropriate, a qualified financial professional.

5. Independence & Card Information

Cardsworth is an independent product. It is not affiliated with, endorsed by, or sponsored by any credit-card issuer, bank, payment network, or rewards program. Card names and trademarks are the property of their respective owners.

The bundled card catalog (benefits, credits, fees, and cadences) is provided as a reference convenience. Issuers change card terms frequently, and the catalog may be incomplete, outdated, or inaccurate. Always verify current terms, benefits, and enrollment requirements directly with your issuer before relying on them.

6. Your Data & Responsibility

Cardsworth is a manual tracker: it never connects to your bank or card accounts, and everything you enter is stored locally on your Mac. We operate no servers and keep no copies. You are responsible for maintaining backups using the App's backup and export features. Deleting the App and its data is permanent. See the Privacy Policy for details.

7. Acceptable Use

You agree to use Cardsworth only for lawful purposes and in accordance with these terms. You agree not to:

• Use the App in any way that violates applicable laws or regulations
• Use the App to store data about other people without their knowledge and consent where required by law
• Attempt to interfere with, compromise, or circumvent the App's trial gating, purchase gating, or other protective measures

8. Intellectual Property

The App, including its design, code, stylized card artwork, bundled catalog, and branding, is owned by Fourteener Labs, LLC and protected by intellectual-property laws. The App's card art is original stylized artwork and does not reproduce issuer card designs.

9. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL NEVER BE LOST.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FOURTEENER LABS, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, MISSED BENEFITS, FORFEITED CREDITS, FEES, OR OTHER FINANCIAL OUTCOMES, ARISING OUT OF OR RELATED TO YOUR USE OF OR RELIANCE ON THE APP. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless Fourteener Labs, LLC from any claims, damages, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the App in violation of these terms or applicable law, or (b) data you store through the App.

12. Termination

You may stop using Cardsworth at any time by deleting the App from your Mac. We may terminate or suspend your access to the App at any time, with or without notice, for any reason, including violation of these terms. Provisions that by their nature should survive termination — including limitations of liability, indemnification, and governing law — will survive.

13. Apple App Store Terms

You acknowledge that these terms are between you and Fourteener Labs, LLC, not Apple. Apple is not responsible for the App or its content and has no obligation to provide maintenance or support for it. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) in accordance with the App Store terms. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them as such.

14. Changes to These Terms

We may update these Terms of Use from time to time. When we do, we will post the updated version here with a new effective date. Material changes will be highlighted within the App where reasonably possible. Your continued use of the App after changes take effect constitutes acceptance of the revised terms.

15. Governing Law & Disputes

These terms are governed by the laws of the State of Colorado, USA, without regard to its conflict-of-laws provisions. Any dispute arising out of or relating to these terms or the App shall be resolved in the state or federal courts located in Colorado, USA, and you consent to the personal jurisdiction of those courts. Nothing in this section affects any rights you may have under mandatory consumer-protection laws in your country or state of residence.

16. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Contact

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

support@fourteenerlabs.com