Terms of Service

1. Who we are

Mingo (the "Service") is a digital business card and contact-management application operated by Mobilio Asia ("Mobilio", "we", "us") — www.mobilio.asia. These Terms of Service ("Terms") govern your use of the Mingo mobile applications, the mingo.cards website, and card profiles served from our domains.

2. Acceptance & eligibility

By creating a Mingo card or account, or by using the Service, you agree to these Terms and to our Privacy Policy. You must be at least 16 years old (or the minimum age of digital consent in your country) to use the Service. If you use Mingo on behalf of an organization, you confirm you are authorized to accept these Terms for that organization.

3. Your account

• You can create a card before signing in; to sync and share across devices you will need an account (sign-in options include Google, Apple, or phone verification).
• You are responsible for the accuracy of the information on your cards and for keeping your sign-in credentials secure.
• You may not impersonate another person or organization, or create cards containing information you have no right to share.

4. The Service

• Digital cards. Create digital business cards (optionally in two languages) and share them by QR code, NFC, links, or instant-messaging apps. Recipients do not need the app: your card opens in their browser, and they may save your contact details and send theirs back.
• Contact capture. Save contacts you meet, scan paper business cards (multilingual OCR), add notes, tags, and follow-up reminders.
• AI features. Certain features (card scanning, contact enrichment, AI notes) use automated processing. AI features that process personal data run only with your consent — see the Privacy Policy. AI output can contain errors; review before relying on it.
• Live cards. When you update your card, the changes appear for people who previously saved or viewed it.
• Mingo Card (NFC hardware) is announced as "coming soon" and is not yet offered for sale. Separate terms may apply when it launches.
• Team plans are not yet available; these Terms will be updated when they launch.

5. Plans, subscriptions & billing

• Free plan: free forever, including 2 cards and unlimited sharing and contacts, subject to fair use.
• Mingo Pro: a paid subscription (currently US$1.99/month or US$15.99/year) adding features such as more cards, unlimited card scanning, AI notes and enrichment, and branded QR codes. Prices shown in your local storefront may vary; the store's displayed price applies.
• Billing is handled exclusively by Apple App Store or Google Play in-app purchase. Subscriptions renew automatically until cancelled in your App Store / Google Play account settings. Refunds and payment disputes are handled under the applicable store's policies. We do not collect or store your card or bank details.
• We may change prices or plan contents prospectively; changes take effect at your next renewal after notice through the app or store.

6. Acceptable use

You agree not to use the Service to: send spam or unsolicited bulk outreach; harvest contact data of people you have no relationship with; upload unlawful, deceptive, or infringing content; probe, disrupt, or reverse-engineer the Service except where the law permits; or violate the rights of card recipients or data-protection law that applies to you as the holder of captured contacts.

7. Your content & our licence

You own the content you put on your cards and the contacts you capture. You grant us a limited, worldwide licence to host, process, display, and transmit that content solely to operate and improve the Service (for example, serving your card page to a person who scans your QR code). We do not sell your content.

8. Third-party services

The Service interoperates with third-party platforms — for example the Apple App Store, Google Play, and the messaging apps you choose for sharing. Those platforms have their own terms and privacy policies; we are not responsible for them.

9. Intellectual property

The Service, including the Mingo name, logo, app, and website design, is owned by Mobilio Asia or its licensors and protected by intellectual-property laws. These Terms do not grant you any rights in our branding.

10. Disclaimers

The Service is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Service will be uninterrupted, error-free, or that AI output (such as scanned or enriched contact data) will be accurate.

11. Limitation of liability

To the maximum extent permitted by law, Mobilio Asia will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, data, or business opportunities, arising from your use of the Service. Our aggregate liability for all claims relating to the Service is limited to the greater of (a) the amounts you paid us through the app stores in the 12 months before the claim, or (b) US$20. Nothing in these Terms limits liability that cannot be limited by law.

12. Termination

You may stop using the Service and delete your account at any time in the app (Profile → delete account); deletion removes your cards and captured contacts as described in the Privacy Policy. We may suspend or terminate access for breach of these Terms, with notice where practicable. Sections 7–13 survive termination.

13. Changes to these Terms; governing law

We may update these Terms from time to time. Material changes will be notified in the app or by email, and continued use after the effective date constitutes acceptance. These Terms are governed by the laws of the jurisdiction in which Mobilio Asia is established, without regard to conflict-of-law rules; mandatory consumer-protection laws of your country of residence remain unaffected.

14. Contact

Questions about these Terms: hello@mingo.cards · Support: support@mingo.cards · Mobilio Asia — www.mobilio.asia