Last updated : 21 August 2025
1.1 These Terms and Conditions of Use (“Terms”) govern your access to and use of the Kardynal website and prepaid card membership service (the “Service”) operated by APH Services LLC, 16192 Coastal Highway, Lewes, Delaware 19958, USA (“Kardynal”, “we”, “us”, “our”).
1.2 By starting a free trial, submitting the card request form, or paying for a subscription, you confirm that you are at least 18 years old, have read these Terms, and agree to be bound by them. If you do not agree, do not use the Service.
1.3 These Terms incorporate by reference our Privacy Policy, Subscription Terms, Cookie Policy, and Money-Back Policy. If there is any conflict, the order of precedence is: (i) Subscription Terms, (ii) Money-Back Policy, (iii) Privacy Policy, (iv) these Terms.
A prepaid closed-loop MasterCard® issued on the flexecash® platform by Park Card Services Ltd (“Issuer”), usable only with supported UK merchants.
A natural person with an active, fully paid Kardynal subscription.
A top-up of GBP funds to the Card initiated on kardynal.ai.
A human-led support service provided by Kardynal staff or agents to help Members handle refund and return claims with merchants.
3.1 The Card is issued by Park Card Services Ltd (FRN 900016), authorised by the UK Financial Conduct Authority under the Electronic Money Regulations 2011. Kardynal acts as an authorised distributor.
3.2 Funds loaded to the Card are safeguarded as e-money but are not covered by the Financial Services Compensation Scheme (FSCS).
3.3 The Card is closed-loop: funds can only be spent with approved UK merchants and cannot be redeemed to a bank account unless legally required.
• Step 1 – Start your 7-day free trial on kardynal.ai.
• Step 2 – Submit your card request form during the trial.
• Step 3 – Once your trial converts to a paid subscription, and identity checks are complete (if required), your card will be created and delivered digitally within five (5) UK business days.
Failure to complete the request form prevents card issuance.
Your free trial begins at sign-up. Unless cancelled, subscription charges start on Day 8.
Disclosure example: £0 today → £9.99 every 14 days (Basic) or £19.99 every 14 days (Plus).
Subscriptions renew automatically every 14 days unless cancelled. Charges are non-refundable except as stated in the Money-Back Policy.
6.1 Deposits can be made via your member dashboard. Funds appear instantly and are usable at participating stores.
6.2 The Card does not support cash withdrawals, gambling, cryptocurrency, or international use (GBP only).
6.3 Treat Card details securely. If compromised, contact us immediately.
7.1 Kardynal includes an AI-powered shopping assistant that helps you:
• Compare products and prices,
• Track orders and returns,
• Discover deals,
• Suggest purchases.
7.2 Usage is limited according to your plan (e.g. 30 requests/month Basic, 10,000 requests/month Plus). Excessive or abusive usage may result in suspension.
7.3 Privacy: Queries may be logged for monitoring and fraud-prevention purposes but are not used to train underlying models. Logs are retained only as necessary.
7.4 The assistant does not provide legal, financial, or medical advice.
8.1 As part of some subscription plans, Kardynal offers Refund & Return Assistance. This service is performed by human support agents, not automated AI.
8.2 Members may submit a claim by completing the Refund Assistance form available in their account area. Required details may include the order number, merchant name, receipts, and description of the issue.
8.3 Kardynal’s human agents will:
• Draft claim emails on your behalf,
• Contact merchants directly,
• Follow up until the claim is resolved or closed,
• Keep you informed of progress.
8.4 Refund Assistance is a support and mediation service. Kardynal cannot guarantee that a merchant will approve a refund, but we commit to actively managing the process.
8.5 Abuse of this feature (e.g. false claims, excessive volume beyond fair usage) may result in suspension or termination of access.
9.1 Promotional Welcome Refunds may apply to the first paid charge if explicitly advertised.
9.2 Eligibility requires trial completion and first payment.
9.3 Requests must be submitted within 14 days of the first charge.
9.4 Refunds will be processed within 7 business days to the original payment method.
9.5 Limit: one per household. Abuse or duplicate accounts void eligibility.
You must:
• Provide accurate information,
• Complete KYC checks if requested,
• Use the Service only for lawful, personal purposes,
• Not misuse, resell, scrape, or reverse-engineer the Service.
11.1 Subscriptions renew every 14 days. Cancel any time via your dashboard (one-click cancel) or by emailing help@kardynal.ai.
11.2 Cancellation takes effect at the end of your current billing cycle.
11.3 Free trials convert automatically unless cancelled.
11.4 Refund eligibility is governed by the Money-Back Policy.
We may update merchants, features, subscription plans, or Terms.
• Material changes: 30 days’ notice by email.
• Minor/regulatory changes Effective upon publication.
If your membership ends, we will provide a lawful method to access any remaining balance where required. Balances cannot be withdrawn to a bank account.
The Service and Card are provided "as is". Merchant availability, AI performance, refund outcomes, or offers may change.
Our liability is capped at the greater of: (i) fees paid in the last 12 months, or (ii) £100.
We exclude liability for indirect or consequential losses except where prohibited by law.
You agree to indemnify us against claims arising from your misuse of the Service, breach of Terms, or fraud.
These Terms are governed by English law.
• UK/EU consumers may bring claims before their local courts under applicable consumer law.
• US disputes: binding arbitration under NAM Comprehensive Rules (opt-out within 30 days).
• Class actions are waived.
Kardynal – APH Services LLC
16192 Coastal Highway, Lewes, DE 19958, USA
✉ help@kardynal.ai
📞 +44 7445 916608
This is an automated help line for general queries. For personalised support, please email us.
By clicking “START FREE TRIAL”, “GET STARTED” or similar, you acknowledge that you have read and agreed to these Terms, including automatic renewal, withdrawal rights, refund assistance conditions, and closed-loop card conditions.
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