Terms of Use

Last updated: May 18, 2026

By downloading, installing, or using Cardinal, you agree to these Terms. Please read them carefully. They include important provisions about subscriptions, AI-generated content, and dispute resolution by arbitration with a class-action waiver (Section 15).

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and Jed Bridges ("Developer," "we," "us," or "our"). If you do not agree to these Terms, do not use the App.

2. Description of Service

Cardinal is a Bible reading, study, and verse memorization application. Features include:

• Verse memorization tools and flashcards
• Bible reading, highlighting, and note-taking across multiple translations and languages
• Sermon note capture and review
• A guided daily Quiet Time experience with prayer and reflection
• AI-powered features (collectively, the "AI Features"), including:
  • "Ask," a conversational AI assistant for questions about Scripture
  • "Reflect on Sermon" and related sermon-note AI tools
  • "Custom Path," AI-generated personalized Quiet Time plans

Certain features, including most AI Features, require an active Cardinal Pro subscription or redemption-code credits.

3. AI Content Disclaimer

You acknowledge and agree that:

• AI-generated responses may contain errors, inaccuracies, theological misinterpretations, or incomplete information
• AI-generated responses do not represent authoritative biblical teaching, the official doctrine of any church or denomination, or the views of the Developer
• AI-generated responses are provided for educational and devotional exploration only and should not be relied upon as definitive theological guidance
• You should verify any information obtained through the AI Features against authoritative sources and consult qualified clergy, theologians, or pastoral professionals for matters of spiritual significance
• The Developer makes no warranty regarding the accuracy, completeness, or reliability of AI-generated content

4. Not Professional Advice

The App and its content, including AI-generated responses, do not constitute and are not a substitute for:

• Professional religious, pastoral, or spiritual counsel
• Mental health, psychological, or psychiatric advice or treatment
• Legal advice
• Medical advice

If you are experiencing a mental health crisis, please contact a qualified mental health professional or call or text the 988 Suicide & Crisis Lifeline (dial or text 988 in the US).

5. Subscriptions and Billing

Cardinal Pro is currently offered as auto-renewing subscriptions through the App Store:

• Monthly: US $2.99 per month, with a 3-day free trial for first-time subscribers (where available)
• Annual: US $19.99 per year

Prices may vary by region. The exact price and trial terms applicable to you are always displayed in the App before you confirm the purchase.

By purchasing a subscription, you agree that:

• Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the end of the current period
• Your Apple ID account will be charged upon purchase confirmation (after any applicable free trial) and at the start of each renewal period
• You may manage and cancel your subscription at any time through your Apple ID account settings; cancellation takes effect at the end of the current billing period and no partial refunds are issued by the Developer
• Prices and product offerings may change with reasonable notice; continued use after a price change constitutes acceptance
• All purchases are processed by Apple Inc. and are subject to Apple's Terms of Service. The Developer has no access to your payment information.

6. Redemption Codes

From time to time, the Developer may issue promotional redemption codes granting a fixed number of free AI Feature messages. Codes are:

• Tied to a single device and may be redeemed only once
• Non-transferable, with no cash value, and not exchangeable for any subscription benefit
• Subject to expiration, withdrawal, or revocation by the Developer at any time, including for misuse or abuse

7. Intellectual Property

The App, including its design, code, graphics, and original content, is owned by the Developer and protected by applicable copyright, trademark, and intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes only. You may not copy, modify, distribute, sell, or reverse-engineer any part of the App, except to the extent expressly permitted by applicable law.

Scripture quotations are used under license from their respective copyright holders. See the Scripture Attributions section in the App's Settings for details.

8. User Content and Conduct

Any notes, highlights, prayer items, and other content you create within the App ("Your Content") remain yours. The App does not transmit Your Content to the Developer's servers, except to the extent text you submit through an AI Feature is sent to our backend for processing.

You agree not to use the App to:

• Violate any applicable law or regulation
• Harass, abuse, or harm others
• Attempt to circumvent subscription requirements, rate limits, or other access controls
• Interfere with the App's operation, servers, or networks, or use automated scripts to interact with the service
• Use any AI Feature to generate content that is harmful, deceptive, defamatory, sexually explicit, or unlawful, or that infringes the rights of others
• Reverse-engineer, decompile, or otherwise attempt to derive the source code of the App, except to the extent permitted by applicable law

9. Termination

We reserve the right to suspend or terminate your access to the AI Features and other server-dependent functionality at any time, without notice, for conduct that we reasonably believe violates these Terms or is otherwise harmful to other users, the service, or third parties. Termination does not entitle you to a refund of any prepaid subscription period; cancellation in the App Store remains your remedy for billing.

10. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, THE DEVELOPER EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE DEVELOPER DOES NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE OR FREE OF OBJECTIONABLE MATERIAL.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATING TO YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE DEVELOPER'S TOTAL CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID FOR THE APP IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) US $25.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless Jed Bridges from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the App, your violation of these Terms, or your violation of any third-party rights.

13. Third-Party Services and Translations

The App relies on third-party services to function, including Apple (App Store, StoreKit, iCloud, speech recognition) and Anthropic (AI processing). Your use of those services is governed by their respective terms and privacy policies. The Developer is not responsible for the acts or omissions of those third parties.

14. Apple-Specific Provisions

The following provisions apply to your use of the App on Apple devices and are required by Apple:

• These Terms are between you and the Developer only, and not with Apple Inc. ("Apple"). Apple is not responsible for the App or its content.
• The license granted to you under Section 7 is limited to a non-transferable license to use the App on any Apple-branded products that you own or control, and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.
• Apple has no obligation whatsoever to provide any maintenance or support services with respect to the App.
• In the event of any failure of the App to conform to any applicable warranty that may be implied by law, you may notify Apple, and Apple will refund the purchase price (if any) for the App; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App.
• The Developer, not Apple, is solely responsible for addressing any claims by you or any third party relating to the App or your possession or use of the App, including product liability claims, claims that the App fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.
• In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, the Developer, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such infringement claim.
• You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

15. Dispute Resolution; Arbitration; Class-Action Waiver

Please read this section carefully. It affects your legal rights.

(a) Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by contacting Bridges@duck.com with a written description of the dispute. We will try in good faith to resolve any dispute informally within 60 days.

(b) Binding arbitration. If informal resolution fails, you and the Developer agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App, except as set out below, shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted by a single arbitrator. The seat of arbitration shall be Ada County, Idaho, and the proceeding may be conducted by telephone, video, or written submissions to the extent permitted by the AAA rules.

(c) Exceptions. Either party may bring an individual action in small-claims court for disputes within that court's jurisdiction. Either party may also seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual-property rights.

(d) Class-action waiver. YOU AND THE DEVELOPER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

(e) 30-day opt-out. You may opt out of the arbitration agreement and class-action waiver in this Section 15 by emailing Bridges@duck.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and the approximate date you first installed or began using the App. Opting out has no effect on any other portion of these Terms.

(f) Severability. If any portion of this Section 15 is found unenforceable, the remainder shall remain in full force, except that if the class-action waiver in subsection (d) is found unenforceable as to a particular claim or remedy, that claim or remedy (and only that claim or remedy) shall be severed from arbitration and brought in a court of competent jurisdiction, while all other claims shall continue in arbitration.

16. Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of Idaho, United States of America, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of Section 15. Subject to Section 15, any dispute not resolved by arbitration shall be resolved exclusively in the state or federal courts located in Ada County, Idaho, and you consent to personal jurisdiction in those courts.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes through the App or by updating this page. Continued use of the App after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, your sole remedy is to stop using the App.

18. Severability and Entire Agreement

If any provision of these Terms is held to be unenforceable, the remaining provisions will continue in full force and effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Developer regarding the App.

19. Contact

For questions about these Terms:

Jed Bridges
Bridges@duck.com