Terms and Conditions

Last updated: May 01, 2025

Welcome to vCardH Ltd. ("vCardH," "we," "us," or "our"), a subsidiary of RAF Holding Pvt. Ltd. By accessing or using our website (www.vcardh.com) and our digital business card services ("Services"), you agree to comply with and be bound by these Terms and Conditions ("Terms"). Please read them carefully before using our Services.

1. Acceptance of Terms

By using vCardH’s Services, you confirm that you have read, understood, and agreed to these Terms, along with our Privacy Policy. If you do not agree, please refrain from using our Services.

2. Description of Services

vCardH provides digital business card solutions that allow users to:

Create, customize, and share digital business cards.
Update contact details in real-time.
Network seamlessly without physical cards.

Our platform is designed for professionals, businesses, and organizations seeking a modern, eco-friendly alternative to traditional business cards.

3. User Responsibilities

You must provide accurate and up-to-date information.
You are responsible for maintaining the confidentiality of your account.
You agree not to use our Services for illegal, fraudulent, or harmful activities.
Any misuse of the platform may result in account suspension or termination.

4. Intellectual Property Rights

All content, logos, trademarks, and software on www.vcardh.com are owned by vCardH Ltd. or RAF Holding Pvt. Ltd.
Users retain ownership of their personal/business data but grant vCardH a non-exclusive license to display and process it for service delivery.

5. Privacy & Data Security

We adhere to strict data protection policies as outlined in our Privacy Policy.
User data is stored securely, and we do not sell personal information to third parties.

6. Payments & Refunds

Subscription fees (if applicable) are billed as per the selected plan.
No refunds will be issued for partial or unused service periods unless required by law.
We reserve the right to modify pricing with prior notice.

7. Limitation of Liability

vCardH is not liable for:

Any unauthorized access or data breaches due to user negligence.
Service interruptions caused by technical issues or third-party providers.
Indirect damages (e.g., lost profits, business interruptions).

8. Termination

Users may cancel their accounts at any time.
vCardH reserves the right to suspend or terminate accounts violating these Terms.

9. Changes to Terms

We may update these Terms periodically. Continued use of our Services after changes constitutes acceptance.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of Bangladesh. Any disputes shall be resolved through negotiation, mediation, or arbitration before legal action.

11. Contact Us

For questions regarding these Terms, please contact:

RAF Holding Pvt. Ltd.

Email: info@rafholding.com