Terms of Use

Orange Tree Apps, LLC d/b/a L-Card

Version Date: September 13, 2026

1. AGREEMENT TO TERMS

These Terms of Use (“Terms,” “Agreement,” or “Terms of Use”) constitute a legally binding agreement between you, whether personally or on behalf of an entity (“you,” “your,” or “User”), and Orange Tree Apps, LLC, doing business as L-Card, an Indiana limited liability company (“Orange Tree Apps,” “L-Card,” “Company,” “we,” “us,” or “our”).

These Terms govern your access to and use of the L-Card websites, mobile applications, web applications, software, platforms, digital business cards, digital portfolios, digital resumes, enterprise services, lead capture services, lead marketing services, NFC-enabled products and associated digital services, and all other products, features, content, applications, technologies, and services offered by Orange Tree Apps, LLC, collectively referred to as the “Services.”

These Terms also apply to websites and applications operated by or on behalf of the Company, unless separate terms expressly apply.

Our Privacy Policy and any additional product-specific terms, order forms, statements of work, enterprise agreements, reseller agreements, data processing agreements, or other written agreements applicable to particular Services are incorporated into these Terms by reference where applicable.

If a separate written agreement signed by the Company and you or your organization conflicts with these Terms, the signed agreement will control with respect to the subject matter of that agreement.

BY ACCESSING OR USING THE SERVICES, CREATING AN ACCOUNT, PURCHASING A PRODUCT OR SUBSCRIPTION, OR OTHERWISE INDICATING YOUR ACCEPTANCE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS.

If you do not agree to these Terms, you must not access or use the Services.

2. ELIGIBILITY AND AUTHORITY

You must be legally capable of entering into a binding contract to use paid Services.

If you use the Services on behalf of a company, government agency, nonprofit organization, educational institution, association, or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms.

Unless expressly permitted by the Company or applicable law, individuals under thirteen (13) years of age may not create an account or use the Services.

Users who are minors under applicable law may use the Services only with appropriate authorization and supervision from a parent, guardian, educational institution, employer, or other authorized party where legally permitted.

3. DESCRIPTION OF SERVICES

Orange Tree Apps develops and provides digital identity, networking, business development, contact management, and marketing technology.

Depending on the applicable product, subscription, organization, and geographic availability, the Services may include:

L-Card digital business cards;
digital portfolios and digital resumes;
L-Card Pro;
L-Card Enterprise;
business and organizational digital identity solutions;
QR-code sharing;
NFC-enabled cards, badges, lanyards, and related products;
contact sharing and contact collection;
business card scanning and optical character recognition;
analytics and engagement information;
digital content, links, videos, galleries, testimonials, and calls to action;
integrations with third-party platforms;
Individual Search Lead Capture;
Business Search Lead Capture;
lead targeting and data services;
email and social lead marketing services;
campaign management and marketing automation;
administrative dashboards;
enterprise account management;
data export and CRM-related functionality; and
other features, products, and services made available by the Company.

Features may vary according to subscription, account type, geography, device, operating system, third-party availability, and other factors.

The Company may add, modify, replace, limit, suspend, or discontinue features or Services from time to time, subject to applicable law and any binding written agreement with the customer.

4. ACCOUNTS AND REGISTRATION

Certain Services require an account.

You agree to provide accurate, current, and complete information and to keep your account information current.

You are responsible for maintaining the confidentiality and security of your login credentials and for activity occurring through your account, except to the extent caused by the Company’s breach of its obligations or otherwise prohibited by applicable law.

You must promptly notify the Company if you know or reasonably suspect that your account or credentials have been compromised or used without authorization.

You may not:

impersonate another person or organization;
create accounts using materially false information;
sell, transfer, or assign an account without authorization;
circumvent account restrictions;
provide unauthorized access to the Services; or
use another person’s credentials without authorization.

The Company may require reasonable verification of identity, organizational affiliation, authority, payment information, or account ownership.

5. ENTERPRISE AND ORGANIZATIONAL ACCOUNTS

If your account is created, purchased, sponsored, or administered by an employer, business, government agency, educational institution, association, or other organization (“Organization”), your Organization may have administrative control over the account.

Subject to the applicable agreement and law, authorized administrators may be able to:

create or deactivate accounts;
manage licenses;
configure digital cards or templates;
establish branding requirements;
access administrative analytics;
control certain account settings;
manage organization-owned information;
enforce organizational policies; and
request deletion, reassignment, export, or transfer of certain organization-managed information.

If you use an Organization-provided account, your use may also be governed by that Organization’s policies.

The Organization is responsible for ensuring that its administrators have appropriate authority to manage accounts and information.

6. LICENSE TO USE THE SERVICES

Subject to these Terms and payment of applicable fees, the Company grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable right to access and use the Services for their intended purposes during the applicable subscription or authorized use period.

No ownership rights in the Services or Company intellectual property are transferred to you.

All rights not expressly granted are reserved by the Company and its licensors.

7. MOBILE APPLICATION LICENSE

If you access the Services through an L-Card mobile application, the Company grants you a limited, revocable, non-exclusive, non-transferable license to install and use the application on devices owned or controlled by you, subject to these Terms and the applicable app marketplace rules.

You may not, except where applicable law expressly permits:

reverse engineer, decompile, disassemble, or attempt to derive source code;
circumvent technological protection measures;
modify or create unauthorized derivative works;
remove copyright, trademark, or proprietary notices;
use Company software to create or assist a competing product through unauthorized access;
reproduce or distribute the application except as authorized; or
exploit Company APIs, interfaces, software, or data beyond the permissions provided by the Company.

8. APPLE APP STORE AND GOOGLE PLAY

If you obtain an L-Card application through Apple App Store or Google Play, you acknowledge that these Terms are between you and Orange Tree Apps, LLC, not the applicable app marketplace operator.

Your use is also subject to applicable marketplace terms.

To the extent required by marketplace terms, Apple, Google, and their applicable subsidiaries may be third-party beneficiaries of provisions relating to applications distributed through their platforms.

Orange Tree Apps, LLC, rather than the marketplace operator, is responsible for the application and its content to the extent required by applicable law and marketplace rules.

9. PURCHASES AND PAYMENT

Certain Services require payment.

You agree to pay all charges disclosed to you at the time of purchase, including applicable subscription charges, product charges, shipping charges, taxes, and other authorized fees.

You authorize the Company and its payment processors to charge your selected payment method for authorized purchases.

Prices are generally stated in U.S. dollars unless otherwise indicated.

The Company may correct pricing or billing errors. If an error materially affects a completed transaction, the Company will address the transaction in accordance with applicable law.

Taxes may be charged where required.

You are responsible for maintaining valid billing and payment information.

10. SUBSCRIPTIONS, AUTOMATIC RENEWAL, AND CANCELLATION

Certain Services are offered on a recurring subscription basis.

Before you purchase a recurring subscription, the Company will disclose material subscription terms as required by applicable law, which may include the price, billing frequency, renewal terms, trial or promotional terms where applicable, and cancellation method.

By purchasing a recurring subscription and providing a payment method, you authorize the Company or its authorized payment processor to charge the applicable subscription fees and taxes at the disclosed billing interval until the subscription is canceled or otherwise terminated.

Unless otherwise stated at purchase, subscriptions automatically renew for successive periods corresponding to the original subscription period.

You may cancel a recurring subscription through any cancellation mechanism made available for your account, by contacting Company support, or through another method required by applicable law.

Cancellation ordinarily prevents future renewal charges but does not retroactively cancel charges properly incurred before the effective cancellation date.

Where required by applicable law, the Company will provide additional notices, renewal reminders, acknowledgments, or cancellation rights.

Nothing in these Terms limits any non-waivable cancellation right available under applicable law.

11. FREE TRIALS AND PROMOTIONAL OFFERS

The Company may offer free trials, introductory pricing, discounts, coupons, credits, promotional subscriptions, or other offers.

Specific terms applicable to an offer will be disclosed with that offer.

Unless otherwise stated, promotional offers:

are available only during the stated promotional period;
may be subject to eligibility requirements;
may not be combined with other offers;
may be modified or withdrawn before acceptance; and
have no cash value.

If a free trial converts to a paid subscription, the applicable conversion terms and charges will be disclosed before enrollment as required by law.

12. REFUNDS, RETURNS, AND PHYSICAL PRODUCTS

Except where otherwise stated in writing by the Company or required by applicable law, payments for digital Services and subscription periods already provided are non-refundable.

Cancellation of a subscription does not automatically create a right to a refund for a billing period that has already begun.

Physical products, including NFC cards, NFC badges, lanyards, and customized or personalized products, may be subject to separate return, replacement, production, and shipping policies disclosed at purchase.

Customized or personalized products may be non-returnable except when defective, damaged, incorrectly produced by the Company or its fulfillment provider, or otherwise required by law.

Nothing in this section eliminates rights that cannot legally be waived.

13. CUSTOMER CONTENT AND DATA OWNERSHIP

“Customer Content” means information, text, images, photographs, videos, logos, documents, links, contact information, business information, designs, and other material submitted to the Services by or on behalf of a User or customer.

As between you and the Company, you retain your ownership rights in Customer Content, subject to the rights of third parties and the limited license granted below.

You grant the Company and its service providers a worldwide, non-exclusive, royalty-free license to host, reproduce, process, transmit, display, modify for technical purposes, and otherwise use Customer Content only as reasonably necessary to:

provide and operate the Services;
process your instructions;
display your digital cards, portfolios, resumes, or other content;
enable sharing functionality;
maintain and secure the Services;
troubleshoot and provide support;
comply with law; and
exercise rights and perform obligations under applicable agreements.

This license does not transfer ownership of Customer Content to the Company.

You represent and warrant that you possess all rights, permissions, authorizations, and consents reasonably necessary for the Customer Content you submit and for the Company’s permitted processing of that content.

14. PERSONAL INFORMATION AND PRIVACY

The Company’s collection, use, disclosure, retention, and processing of personal information is governed by the Company’s Privacy Policy and, where applicable, contractual data-processing terms.

You are responsible for reviewing the Privacy Policy.

Where you use the Services to collect, upload, import, process, share, market to, or otherwise use personal information belonging to another person, you are responsible for having a lawful basis, permission, consent, notice, or other authorization required for your activities.

For enterprise customers or other circumstances where the Company processes personal data on behalf of a customer, additional data-processing terms may apply.

15. CONTACT COLLECTION AND BUSINESS CARD SCANNING

The Services may permit Users to scan business cards, exchange contact information, receive contact information, import information, or collect information from persons interacting with a digital card.

You agree to use such information only for legitimate and lawful purposes.

You are responsible for determining whether consent, notice, authorization, or another lawful basis is required before storing, exporting, contacting, marketing to, or otherwise processing another person’s information.

16. LEAD CAPTURE AND LEAD DATA SERVICES

Certain L-Card Services may provide information regarding individuals, businesses, organizations, or other potential prospects based on search activity, business information, intent signals, publicly available information, licensed data, third-party data, modeled data, or other data sources.

Such information is referred to in these Terms as “Lead Data.”

Lead Data may include information generated or provided through Individual Search Lead Capture, Business Search Lead Capture, lead targeting, campaign services, or related products.

LEAD DATA DOES NOT GUARANTEE THAT A PERSON OR BUSINESS WILL PURCHASE A PRODUCT, RESPOND TO A COMMUNICATION, QUALIFY AS A CUSTOMER, OR PROVIDE CONSENT TO BE CONTACTED THROUGH ANY PARTICULAR COMMUNICATION CHANNEL.

Lead Data may contain inaccuracies, omissions, duplication, changes, delays, or incomplete information.

The Company does not warrant that Lead Data is error-free, exhaustive, continuously current, or suitable for every purpose.

You are responsible for independently determining whether Lead Data is appropriate and lawful for your intended use.

17. LEAD MARKETING AND COMMUNICATION COMPLIANCE

The Services may enable or support marketing through email, social media, CRM platforms, digital advertising, telephone communications, text messaging, or other channels.

YOU ARE RESPONSIBLE FOR THE LEGALITY OF YOUR MARKETING AND COMMUNICATION ACTIVITIES.

Unless the Company expressly agrees otherwise in a written agreement, the availability of Lead Data or a marketing feature does not constitute a representation that a particular person has consented to receive marketing communications through every channel.

You are responsible for complying with all laws, regulations, industry rules, platform policies, and contractual requirements applicable to your communications and marketing activities, including, where applicable:

the CAN-SPAM Act;
the Telephone Consumer Protection Act and applicable implementing regulations;
federal and state telemarketing laws;
Do Not Call requirements;
state privacy and consumer-protection laws;
applicable data-protection laws;
email marketing requirements;
text-message marketing requirements;
social-media platform policies;
suppression and opt-out requirements; and
laws applicable to regulated industries.

You must honor legally required opt-out, unsubscribe, suppression, and consent-revocation requests.

You may not use the Services to send unlawful spam, engage in harassment, conduct fraudulent campaigns, disguise the identity of a sender, or unlawfully contact persons who have opted out.

18. NO GUARANTEE OF LEAD OR MARKETING RESULTS

The Company does not guarantee any specific:

number of sales;
conversion rate;
response rate;
revenue amount;
return on investment;
customer acquisition cost;
appointment rate;
business opportunity;
ranking;
marketing performance; or
commercial outcome.

Examples, demonstrations, projections, testimonials, case studies, estimates, and historical performance are illustrative and do not guarantee future results.

Actual results depend on numerous factors outside the Company’s control, including the customer’s product, offer, pricing, market, sales process, communications, reputation, competition, timing, geography, and compliance practices.

19. THIRD-PARTY DATA AND SERVICES

The Services may depend upon or integrate with third-party platforms, infrastructure, cloud services, APIs, payment processors, data providers, CRM systems, social networks, telecommunications providers, mapping services, app stores, analytics providers, email services, design platforms, and other third-party technologies.

Third-party services are governed by their own terms and privacy practices.

The Company does not control third-party services and is not responsible for interruptions, modifications, restrictions, errors, security incidents, policy changes, data changes, or discontinuation caused by third parties, except to the extent liability cannot lawfully be excluded.

The Company may replace or modify third-party providers as reasonably necessary to operate the Services.

20. ARTIFICIAL INTELLIGENCE AND AUTOMATED FEATURES

Certain current or future Services may use automated systems, machine learning, artificial intelligence, algorithms, data enrichment, or similar technologies.

Outputs generated or assisted by automated systems may contain errors or incomplete information.

You are responsible for reviewing outputs before relying on them for material business, legal, financial, employment, healthcare, regulatory, or other consequential decisions.

Unless expressly stated otherwise, automated outputs are provided as tools and not as professional advice.

21. ACCEPTABLE USE

You may use the Services only for lawful purposes and in accordance with these Terms.

You may not use the Services to:

violate any applicable law or regulation;
infringe intellectual property, privacy, publicity, or other rights;
engage in fraud, deception, impersonation, phishing, or identity theft;
distribute malware or malicious code;
interfere with the operation or security of the Services;
gain unauthorized access to accounts, systems, networks, or data;
bypass access controls or security restrictions;
scrape, harvest, or systematically extract Company data without authorization;
use unauthorized bots, spiders, crawlers, or automated extraction tools;
send unlawful unsolicited communications;
engage in unlawful discrimination or harassment;
upload illegal or infringing material;
exploit or endanger minors;
create fraudulent accounts;
misrepresent the source of Lead Data or communications;
resell or redistribute Lead Data except where expressly authorized;
use Lead Data to create an unauthorized competing database;
reverse engineer Company software except where expressly permitted by law;
interfere with another User’s use of the Services;
conduct activities that create unreasonable security or operational risk; or
assist another person in doing any of the foregoing.

22. RESTRICTED AND SENSITIVE USES

You may not use Lead Data or other Services to unlawfully determine eligibility for credit, insurance, employment, housing, government benefits, or another purpose regulated by the Fair Credit Reporting Act or similar law.

Unless expressly authorized in writing by the Company and legally permitted, you may not use the Services for:

unlawful surveillance;
stalking or harassment;
discriminatory profiling;
identifying or exploiting vulnerable persons;
fraudulent financial activities;
unlawful political targeting;
unlawful collection of sensitive personal information; or
any purpose that creates an unreasonable risk of harm.

The Services are not represented as consumer reports under the Fair Credit Reporting Act.

23. INTELLECTUAL PROPERTY RIGHTS

Except for Customer Content and third-party materials, the Services and all associated intellectual property are owned by or licensed to Orange Tree Apps, LLC.

This includes, as applicable:

software;
source and object code;
databases and database structures;
algorithms;
interfaces;
workflows;
technology;
OCR-related technology;
lead capture and lead marketing technology;
designs;
templates;
graphics;
logos;
trademarks;
service marks;
text;
documentation;
videos;
training materials;
website content;
trade secrets; and
other proprietary materials.

The names Orange Tree Apps, L-Card, L-Card Pro, associated logos, product names, and related branding may constitute trademarks, service marks, trade names, or other protected intellectual property.

Nothing in these Terms grants you ownership of Company intellectual property.

24. FEEDBACK

If you voluntarily provide ideas, recommendations, suggestions, feature requests, or other feedback regarding the Services, you grant the Company the right to use that feedback without restriction or compensation, provided that this provision does not transfer ownership of your confidential information or Customer Content.

25. REVIEWS AND TESTIMONIALS

If you submit a review or testimonial, you represent that it reflects your genuine experience and opinions.

You may not knowingly submit false, deceptive, defamatory, unlawful, or misleading reviews.

If you authorize the Company to use a testimonial, case study, logo, name, image, or similar promotional material, the scope of that use may be governed by the authorization you provide.

26. SECURITY

The Company uses administrative, technical, and organizational measures designed to protect the Services and information under its control.

However, no electronic system, network, transmission, storage environment, or security measure can guarantee absolute security.

You are responsible for reasonable security practices associated with your account, devices, credentials, integrations, exported data, and personnel.

You must not conduct unauthorized vulnerability testing, penetration testing, security scanning, or other attempts to compromise the Services.

27. SERVICE AVAILABILITY AND MAINTENANCE

The Company seeks to provide reliable Services but does not guarantee uninterrupted or error-free operation unless expressly stated in a separate service-level agreement.

Services may be unavailable due to:

scheduled or emergency maintenance;
software updates;
internet or telecommunications failures;
cloud-provider outages;
cybersecurity incidents;
third-party failures;
governmental action;
natural disasters;
war or civil disturbance;
infrastructure failures; or
circumstances beyond the Company’s reasonable control.

The Company may perform maintenance and upgrades as reasonably necessary.

28. BACKUPS AND DATA EXPORT

The Company may maintain backups and redundancy as part of its normal operations but does not guarantee that every item of Customer Content can be recovered following deletion, corruption, account termination, or technical failure.

You are responsible for maintaining copies of information that is critical to your business where reasonable.

Data export capabilities may vary by product and subscription.

29. SUSPENSION AND TERMINATION

You may stop using the Services at any time.

Subscription cancellation is governed by Section 10.

The Company may suspend, restrict, or terminate access when reasonably necessary because of:

material breach of these Terms;
nonpayment;
suspected fraud;
unlawful activity;
security risk;
abuse of the Services;
violation of third-party rights;
violation of applicable marketing or privacy requirements;
excessive operational risk;
sanctions or legal restrictions;
a governmental or judicial requirement; or
conduct reasonably likely to harm the Company, Users, third parties, or the integrity of the Services.

Where commercially reasonable and legally permissible, the Company may provide notice and an opportunity to cure a remediable violation.

The Company may immediately suspend access when reasonably necessary to prevent fraud, security incidents, unlawful activity, material harm, or continued violations.

Upon termination, your license to use the affected Services ends.

Sections that by their nature should survive termination will survive, including intellectual property, payment obligations, disclaimers, liability limitations, indemnification, dispute resolution, and miscellaneous provisions.

30. COPYRIGHT AND DMCA POLICY

The Company respects intellectual property rights and expects Users to do the same.

In appropriate circumstances, the Company may remove or disable access to allegedly infringing material and may terminate repeat infringers.

If you believe material available through the Services infringes your copyright, you may submit a notification under the Digital Millennium Copyright Act, 17 U.S.C. § 512.

A valid notification should include substantially:

A physical or electronic signature of the copyright owner or person authorized to act on the owner’s behalf.
Identification of the copyrighted work claimed to have been infringed, or a representative list if multiple works are involved.
Identification of the material claimed to be infringing and information reasonably sufficient to locate it.
Your contact information, including address, telephone number, and email address where available.
A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or law.
A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act for the copyright owner.

Designated Copyright Agent

Orange Tree Apps, LLC
Attn: David Chabukashvili
501 Miles Ridge Road
Madison, Indiana 47250
United States
Email: support@orangetreeapps.com
Telephone: (812) 701-8093

Counter Notification

If material you submitted was removed or disabled because of a DMCA notice and you believe the removal resulted from mistake or misidentification, you may submit a counter notification containing the information required by 17 U.S.C. § 512(g), including:

your physical or electronic signature;
identification of the removed or disabled material and its prior location;
a statement under penalty of perjury that you have a good-faith belief the material was removed or disabled because of mistake or misidentification;
your name, address, and telephone number;
your consent to jurisdiction of the appropriate United States federal district court as required by the DMCA; and
your agreement to accept service of process from the person who submitted the original notice or that person’s agent.

The Company will process valid counter notifications in accordance with applicable law.

31. INTERNATIONAL USE AND EXPORT CONTROLS

The Services are operated by a United States company.

If you access the Services outside the United States, you are responsible for compliance with laws applicable to your use.

You may not use, export, re-export, transfer, or provide the Services in violation of United States export-control, sanctions, or trade laws.

You represent that you are not prohibited from receiving the Services under applicable United States sanctions or restricted-party laws.

32. PROFESSIONAL AND REGULATED INDUSTRIES

The Services may be used by customers operating in regulated industries.

Unless expressly agreed otherwise in writing, the Company does not provide legal, financial, medical, insurance, employment, regulatory, or compliance advice.

Customers are responsible for determining whether their use of the Services satisfies laws, professional rules, record-retention requirements, advertising rules, disclosures, consent obligations, and other requirements applicable to their industry.

33. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain links to third-party websites, applications, content, products, or services.

The Company does not control those third parties and does not necessarily endorse their content, products, privacy practices, security, or services.

Your interactions with third parties are governed by the applicable third party’s terms.

34. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

THE COMPANY DISCLAIMS ALL WARRANTIES NOT EXPRESSLY PROVIDED IN A WRITTEN AGREEMENT, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

THE COMPANY DOES NOT WARRANT THAT:

THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE;
ALL DEFECTS WILL BE CORRECTED;
DATA OR CONTENT WILL ALWAYS BE AVAILABLE;
LEAD DATA WILL ALWAYS BE COMPLETE OR ACCURATE;
ANY PARTICULAR PERSON WILL RESPOND TO MARKETING;
THE SERVICES WILL PRODUCE PARTICULAR COMMERCIAL RESULTS; OR
THIRD-PARTY SERVICES WILL REMAIN AVAILABLE.

THIS SECTION DOES NOT DISCLAIM WARRANTIES THAT CANNOT LAWFULLY BE DISCLAIMED.

35. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ORANGE TREE APPS, LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY, GOODWILL, OR DATA, ARISING FROM OR RELATING TO THE SERVICES, EVEN IF ADVISED THAT SUCH DAMAGES MAY OCCUR.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

(A) THE AMOUNT YOU PAID TO THE COMPANY FOR THE SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR

(B) ONE HUNDRED U.S. DOLLARS ($100) IF YOU USED THE RELEVANT SERVICE WITHOUT PAYMENT.

The limitations apply regardless of the theory of liability, including contract, tort, negligence, strict liability, or otherwise.

The limitations do not apply to liability that cannot legally be excluded or limited.

Some jurisdictions do not permit certain exclusions or limitations, so portions of this section may not apply to you.

36. INDEMNIFICATION

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Orange Tree Apps, LLC and its affiliates, officers, directors, members, employees, contractors, and agents from third-party claims, liabilities, damages, judgments, losses, penalties, costs, and reasonable attorneys’ fees arising out of or relating to:

your material breach of these Terms;
your Customer Content;
your violation of applicable law;
your violation of another person’s rights;
your marketing or communications activities;
your unlawful use of Lead Data;
communications initiated by you or on your behalf;
your products, services, representations, or offers to prospects;
your failure to honor legally required opt-outs or suppression requests; or
fraud, willful misconduct, or unlawful activity by you or persons acting under your account.

The Company may assume control of the defense of a matter subject to indemnification, and you agree to reasonably cooperate.

This section does not require a consumer to indemnify the Company where such an obligation is prohibited by applicable law.

37. INFORMAL DISPUTE RESOLUTION

Before initiating arbitration or litigation, you and the Company agree to attempt in good faith to resolve covered disputes informally.

A party seeking to initiate a dispute must provide written notice describing:

the party’s name and contact information;
the account involved, if applicable;
the nature and factual basis of the dispute; and
the relief requested.

Notice to the Company should be sent to:

Orange Tree Apps, LLC
Attn: Legal Department
501 Miles Ridge Road
Madison, Indiana 47250
United States
Email: support@orangetreeapps.com

The parties will have thirty (30) days after receipt of the notice to attempt informal resolution before commencing arbitration, unless a longer period is mutually agreed or applicable law requires otherwise.

Either party may seek temporary or emergency injunctive relief where necessary to prevent immediate and irreparable harm.

38. BINDING ARBITRATION

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO GO TO COURT.

Except for disputes excluded below or where applicable law prohibits mandatory arbitration, any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under the rules applicable to the dispute.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

For consumer disputes, the applicable AAA Consumer Arbitration Rules will apply.

For commercial disputes, the applicable AAA Commercial Arbitration Rules may apply.

Arbitration may be conducted by telephone, videoconference, document submission, or in person as permitted by applicable rules.

Unless applicable law or AAA rules require otherwise, in-person arbitration will occur in Jefferson County, Indiana, or another mutually agreed location.

The arbitrator may award any relief available to the individual party under applicable law.

Judgment on an arbitration award may be entered in a court of competent jurisdiction.

Nothing in these Terms prevents either party from bringing an eligible individual claim in small claims court.

Nothing prevents the Company from seeking injunctive or equitable relief regarding unauthorized access, cybersecurity, intellectual property infringement, misappropriation, or misuse of Company technology or confidential information where legally permitted.

39. CLASS ACTION AND JURY TRIAL WAIVER

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND THE COMPANY AGREE THAT CLAIMS WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

Unless both parties agree otherwise, an arbitrator may not consolidate the claims of multiple persons.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY ALSO WAIVES THE RIGHT TO A TRIAL BY JURY FOR DISPUTES THAT ARE NOT REQUIRED TO BE ARBITRATED.

If applicable law prohibits enforcement of a particular waiver, that waiver will be enforced only to the extent legally permissible.

40. GOVERNING LAW

Except to the extent federal law or another jurisdiction’s non-waivable law applies, these Terms and disputes arising from them are governed by the laws of the State of Indiana, without regard to conflict-of-law principles.

For disputes properly excluded from arbitration, the parties consent to the jurisdiction of the appropriate state or federal courts serving Jefferson County, Indiana, except where applicable law provides a consumer with a non-waivable right to another forum.

41. CHANGES TO THE SERVICES

The Company may modify, update, enhance, replace, suspend, or discontinue portions of the Services.

Where a change materially reduces a paid Service during an existing subscription term, the Company will address the change in accordance with applicable law and any applicable written agreement.

The Company is not responsible for changes required because of law, security concerns, third-party platform changes, infrastructure issues, or circumstances beyond its reasonable control.

42. CHANGES TO THESE TERMS

The Company may update these Terms from time to time.

The version date at the top identifies the current version.

If a change materially affects Users’ rights or obligations, the Company may provide additional notice by email, through the Services, through an account notification, or by another reasonable method where required by law.

Changes will apply prospectively from their effective date unless applicable law requires otherwise.

Continued use of the Services after revised Terms become effective constitutes acceptance to the extent permitted by law.

If you do not agree with revised Terms, you must discontinue use of the affected Services and, if applicable, cancel your subscription.

43. ELECTRONIC COMMUNICATIONS AND CONTRACTING

You consent to receive agreements, notices, disclosures, transaction records, and other communications electronically where legally permitted.

Electronic acceptance, clicks, signatures, submissions, and transactions may have the same legal effect as handwritten signatures and paper records.

You are responsible for maintaining equipment, software, and an email address reasonably necessary to access electronic communications.

This consent does not limit any right you may have under applicable law to request paper records or withdraw consent to electronic communications.

44. NOTICES

The Company may provide operational or legal notices through:

email;
the Services;
account notifications;
website notices; or
other legally permitted methods.

You are responsible for maintaining current contact information.

Legal notices to the Company should be sent to:

Orange Tree Apps, LLC
501 Miles Ridge Road
Madison, Indiana 47250
United States
Email: support@orangetreeapps.com

45. FORCE MAJEURE

The Company will not be liable for delay or failure to perform caused by circumstances beyond its reasonable control, including natural disasters, fires, floods, severe weather, war, terrorism, civil unrest, governmental actions, sanctions, labor disruptions, utility failures, telecommunications failures, cloud-service outages, internet disruptions, cyberattacks, epidemics, pandemics, or failures of critical third-party providers.

This provision does not excuse obligations that applicable law prohibits from being excused.

46. ASSIGNMENT

You may not assign or transfer these Terms or your rights under them without the Company’s prior written consent, except where applicable law provides otherwise.

The Company may assign these Terms in connection with a merger, acquisition, corporate reorganization, financing, sale of assets, transfer of a business line, or similar transaction.

47. SEVERABILITY

If any provision of these Terms is held unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permissible or severed as necessary, and the remaining provisions will remain in effect.

48. NO WAIVER

Failure by the Company to enforce a provision of these Terms does not waive its right to enforce that provision later.

A waiver is effective only if made by an authorized representative in writing.

49. NO AGENCY OR PARTNERSHIP

Nothing in these Terms creates a partnership, joint venture, franchise, fiduciary, employment, or agency relationship between you and the Company.

Users, customers, affiliates, resellers, and independent contractors may be subject to separate agreements defining their relationships with the Company.

50. ENTIRE AGREEMENT AND ORDER OF PRECEDENCE

These Terms, together with the Privacy Policy and other documents expressly incorporated by reference, constitute the agreement governing your general use of the Services.

If you or your Organization has entered into a separate written agreement with Orange Tree Apps, LLC, including an enterprise agreement, statement of work, reseller agreement, partnership agreement, data processing agreement, or other signed contract, that agreement will control over these Terms to the extent of a direct conflict concerning its subject matter.

Purchase orders or other customer-generated documents do not modify these Terms unless expressly accepted in writing by an authorized Company representative.

51. INTERPRETATION

Section headings are for convenience and do not affect interpretation.

The words “including” and “includes” mean “including without limitation” unless context clearly requires otherwise.

These Terms will not be interpreted against a party merely because that party drafted or proposed them.

52. CONSUMER RIGHTS

Nothing in these Terms is intended to waive, restrict, or eliminate consumer rights that cannot legally be waived.

If applicable consumer-protection law conflicts with these Terms, the mandatory consumer-protection requirement will control to the extent of the conflict.

Residents of certain jurisdictions may have additional rights regarding subscriptions, cancellation, refunds, privacy, warranties, dispute resolution, or electronic contracting.

53. CONTACT INFORMATION

Questions regarding these Terms or the Services may be directed to:

Orange Tree Apps, LLC
d/b/a L-Card
501 Miles Ridge Road
Madison, Indiana 47250
United States

Email: support@orangetreeapps.com
Telephone: (812) 920-6397

For product and customer-support inquiries, Users may also use the contact methods made available through the L-Card website or applications.

Version Date: September 13, 2026