1. Definitions:

1.1. BC: the CLIENTS’ bank cards.
1.2. CC: the CLIENTS’ credit cards.
1.3. DB: the COMPANY’s database.
1.4. CONTRACT: this public offer.
1.5. US: The United States of America
1.6. CLIENT: a user who uses the APP and has US bank CC.
1.7. APP: the web application Angel Card.
1.8. COMPANY: ANGEL CARD LLC, EIN 39-3006010, TX or / and FORKLANCE LLC, EIN 99-4736639, HI.
1.9. ADDRESS: the COMPANY’s mailing address is 1043 GARLAND AVE, UNIT C #1185, SAN JOSE, CA, 95126.
1.10. ANGEL CARDS:
1.10.1. Green label: the CC becomes an ANGEL CARD when the CLIENT has successfully linked the CC in the APP, which should be initiated by a green label on it, which means that the monthly payment for the CC is transferred from the CLIENT to the COMPANY and the COMPANY provides SERVICES to the CLIENT and such ANGEL CARDS is also subject to the ANGEL GUARANTEE.
1.10.2. Yellow and green label: if the CC has both a green and a yellow label, this means that the CC has the status of an ANGEL CARD and at the same time, there are actions or circumstances to which the APP is trying to draw attention or encourage the CLIENT.
1.11. NON-ANGEL CARDS:
1.11.1. Yellow or red label (without green label): if the CC has a yellow or red label, SERVICES are not provided under such CC, ANGEL GUARANTEE does not apply, the CLIENT can perform repeated actions to bring such CC into ANGEL CARD status, for example, by deleting CC and trying to add it again.
1.12. SERVICES: the service is an online store that sells credit card status monitoring through a personal dashboard. These services include the provision of a private, non-insurance-based refund policy (ANGEL GUARANTEE), status tracking via dashboard, and automated notifications regarding the status of credit cards added to the APP. The ANGEL GUARANTEE is a commercial satisfaction guarantee that applies when certain conditions defined in the CONTRACT are met.
Disclaimer (does not offer services aimed at improving, repairing, or altering credit scores):
The phrase “Protect Your Credit Score” as used in our materials refers solely to the potential indirect effect of the successful performance of the SERVICES provided by the COMPANY. Specifically, when a credit card remains active and is not involuntarily closed by the issuing bank, this may help the CLIENT avoid a negative impact on their credit score, which often results from such closures.
However, the COMPANY does not offer services aimed at improving, repairing, or altering credit scores. Credit score improvement services typically involve challenging negative items, negotiating with credit bureaus, or taking active measures to increase a client’s score — none of which are provided by the COMPANY.
The COMPANY does not track, monitor, or modify CLIENTS’ credit reports or scores, and makes no representations, warranties, or guarantees about any changes to the CLIENT’s credit history. Any preservation of credit score is solely a secondary effect of the CLIENT’s credit card remaining active as a result of the CLIENT’S participation in the SERVICES.
Disclaimer (not a FinTech):
The service is not classified as FinTech. All payment processing is conducted through third-party PS that hold the necessary financial licenses, such as PCI DSS compliance. The COMPANY does not receive any data from these certified PS that would qualify the COMPANY or the SERVICES as a FinTech entity. PS may return limited information sufficient for identifying the transaction, indicating its status (successful or failed), and partial credit card data solely for the purpose of displaying it in the APP dashboard for the CLIENT’s convenience and for tracking services purchased through our online store.
Disclaimer (not a insurance product):
The ANGEL GUARANTEE is not an insurance product and does not constitute the business of insurance under the laws of the State of California or the State of Hawaii. More often, insurance is defined as a contract whereby one party, for compensation, undertakes to indemnify another against loss, damage, or liability arising from a contingent or unforeseen event.
The ANGEL GUARANTEE does not involve loss compensation, risk assumption, or any payment beyond the amounts previously received by the COMPANY as service fees. It is solely a voluntary refund-based business guarantee offered in the event the COMPANY is unable to provide the SERVICE (e.g., due to cancellation of the CLIENT’s credit card by the issuing bank).
Therefore, the ANGEL GUARANTEE qualifies as a private commercial satisfaction guarantee, comparable to an extended return policy, and does not require an insurance license. The COMPANY does not conduct risk assessment, insurance underwriting, risk pooling, or third-party loss compensation. The guarantee is strictly limited to the contractual relationship between the COMPANY and the CLIENT.
By using the APP and the SERVICES, the CLIENT acknowledges and agrees that the ANGEL GUARANTEE is a private refund-based business arrangement and not an insurance product or credit repair service.
Disclaimer (“as is” and “as available”):
Disclaimer and Limitation of Liability.
The APP and SERVICES are provided by the COMPANY strictly on an “as is” and “as available” basis. The COMPANY makes no representations or warranties of any kind, express or implied, regarding the functionality, performance, reliability, or suitability of the APP or the SERVICES for any specific purpose.
The CLIENT acknowledges and agrees that use of the APP and SERVICES is at their sole risk. The COMPANY does not guarantee uninterrupted or error-free operation of the APP, nor that any defects will be corrected.
To the maximum extent permitted by applicable law, the COMPANY disclaims any liability for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, loss of business, loss of goodwill, loss of data, or other intangible losses resulting from:
(a) the use or inability to use the APP or SERVICES;
(b) unauthorized access to or alteration of CLIENT data;
(c) conduct or statements of any third party using the APP;
(d) any other matter relating to the APP or SERVICES.
Disclaimer (use equals acceptance):
By using the APP, the CLIENT acknowledges disclaimers, Public Offer and Privacy Policy and agrees to release the COMPANY from any and all claims or liabilities arising from their use of the APP or the SERVICES.
1.13. ANGEL GUARANTEE: the COMPANY voluntarily undertakes to refund the CLIENT the service fees actually received by the COMPANY over the last 12 months in the event that an ANGEL CARD is canceled by the issuing bank during its active status. This refund is part of a private commercial guarantee and does not constitute insurance.
Provision: It is emphasized that the amount paid by the CLIENT and received by the COMPANY differs, and that third parties, among which may include PS and/or Google Play and/or App Store and other services may withhold a commission in significant amounts that can be even about 33% from the CLIENT’s payment, but the money actually received by the COMPANY is subject to return by the COMPANY to the CLIENT (whether amounts will be returned including third party commissions is beyond the possible influence of the COMPANY).
1.14. GUARANTEE EVENT: cancelation of the ANGEL CARD by the issuing bank. This event may trigger the COMPANY’s voluntary refund policy under the ANGEL GUARANTEE, and is not considered an insurable event.
Example 1 (Successful): the CLIENT added their CC to the APP and successfully completed a charge under subscription. The CC appears in the dashboard with a green label, indicating that it has successfully become an ANGEL CARD and qualifies for a refund under our ANGEL GUARANTEE commercial policy.
Example 2 (Unsuccessful): the CLIENT attempted to add their CC to the APP, but for some reason, the process failed (the CC does not appear in the dashboard or appears without a green label). Such a CC is not considered an ANGEL CARD — it is a NON-ANGEL CARD and does not qualify for a refund by the ANGEL GUARANTEE.
1.15. ANGEL GUARANTEE CLAIM: a formal request by the CLIENT to invoke the ANGEL GUARANTEE provided by the COMPANY.
1.16. PS: payment system.
1.17. AMBASSADOR: an individual or legal entity who is already a CLIENT of the COMPANY and an APP user, who is granted the right to advertise the APP and help their LEADS learn (or become more professional) in using the APP.
1.18. LEAD/LEADS: potential APP users who have not yet registered in the APP.
1.19. PARTIES: the CLIENT and the COMPANY.
1.20. PARTY: the CLIENT or the COMPANY.

2. Subject of the Contract

2.1. The APP is free to install on mobile phones/website, and SERVICES can be purchased through it.
2.2. The PARTIES agree that the CLIENT creates ANGEL CARDS from CC and receives SERVICES and the ANGEL GUARANTEE based on a monthly subscription.

3. Fees and Payment

3.1. SERVICES are provided on a per-CC basis on a monthly basis at the rate of $1 (one U.S. dollar) per CC per month. Payment for less than a full month is charged in the same amount of one US dollar.
3.2. There is a simple opportunity to refuse the SERVICES; to refuse SERVICES for a specific CC, it must be removed from the APP.
3.3. For work within the application, any BC is accepted and this can be done at the discretion of the CLIENT at his request, but the COMPANY provides an ANGELS GUARANTEE exclusively on CC.

4. Moment of Service Provision (Shipping Policy)

4.1. The moment a CC appears in the platform dashboard for monitoring constitutes the commencement of SERVICES provision.
4.2. The SERVICES are provided separately for each CC/ANGEL CARD on a monthly basis or 30-day basis (depending on the capabilities of the payment service).

5. Clients’ Personal Data and Subscription Deletion Issues (Privacy Policy)

5.1. COMPANY may receive partial data from third parties that are used by the COMPANY to identify the payment (for example, the last four digits of the CC number and the internal registration number of the money transfer transaction), last name (middle name) and first name of the CLIENT are also can be available for the COMPANY, the remaining data is either stored locally on the CLIENT’s mobile phone or sent to the PS and is not available to the COMPANY. The COMPANY has made every effort to protect the CLIENT’s personal data by minimizing interaction with them.
5.2. The COMPANY guarantees not to transfer the received data about the CLIENT to third parties, outside the process described in the CONTRACT.
5.3. The CLIENT has the right to request from the COMPANY to delete data about themselves, the CLIENT can also delete CC inside the APP, and since they are stored only locally on the CLIENT’s mobile phone, no additional actions are required to delete CC data on the COMPANY’s side, just delete CC from APP. Removal (uninstallation) of APP does not remove CC from APP and does not unsubscribe from SERVICES, THE PARTIES believe that the CLIENT still wants to receive SERVICES, even in the event, for example, of the theft of the CLIENT’s mobile phone, which protects the rights and interests of the CLIENT in unforeseen cases , the CLIENT must unsubscribe from the SERVICES by explicitly following the steps of deleting the corresponding card/cards inside the APP.
5.4. If you entered the APP with the help of the AMBASSADOR, then the AMBASSADOR is your information sponsor, your AMBASSADOR has the right to know your Email address and write you messages in order to help you understand the APP, and by using the APP you accept these rules (share your personal data with your AMBASSADOR, agree to receive messages from the AMBASSADOR).

6. Moment of Contract Commencement

6.1. At the moment of downloading the APP, there are no rights and obligations between the PARTIES, they arise exclusively at the moment of creating an ANGEL CARD. By the act of creating an ANGEL CARD, the CLIENT accepts the CONTRACT.
6.2. The COMPANY has the right to refuse to provide services to any CLIENT at its discretion without explaining the reasons.
6.3. The CONTRACT is valid as long as there are ANGEL CARDS in the APP. If the APP is deleted, the CONTRACT remains valid; to terminate the subscription, it is necessary to cancel the ANGEL CARDS in the APP.

7. Procedure for ANGEL GUARANTEE CLAIM (Refund Policy)

7.1. Please obtain a document from the issuing bank of the CC that explains the reason for the closure of the ANGEL CARD.
7.2. Please send to the email address angel_guarantee_claim(at)angelcard(dot)us the document received from the issuing bank of the ANGEL CARD, and indicate when the CC last time had the status of an ANGEL CARD.
7.3. In case of any disputes regarding ANGEL GUARANTEE, please write to angel_guarantee_claim(at)angelcard(dot)us, and please attach the same documents as listed in the paragraph above and describe the essence of your disagreement.

8. Force Majeure

8.1. The PARTIES are not responsible for the inability to fulfill the CONTRACT if this is beyond their ability to control these circumstances. The PARTIES undertake to renew their obligations within a reasonable time as soon as the force majeure circumstances pass.

9. Territory of the Contract and Applicable Law

9.1. The COMPANY operates regarding CCs in the USA without restriction by the CLIENT’s status. That is, the CLIENT can be a citizen or have the right to permanent residence (“green card”) or not have these statuses but have a CC in the USA. Governing Law: California Law.

10. Termination of the Contract

10.1. The CONTRACT terminates upon removal of the last CC from the APP. Charged payments are non-refundable and future payments will no longer be charged (all subscriptions are canceled).

11. Contacts

11.1. Please send your proposals, complaints, inquiries to general_questions_public_inquiries(at)angelcard(dot)us