Terms of Service

Please read these Terms of Service ("Terms") carefully before using any application or website operated by noonchi labs. ("noonchi labs.," "we," "our," or "us"). By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

These Terms apply to all products and services offered by noonchi labs., including:

• The noonchi labs. website
• Claimd (iOS and Android)
• Bandee (iOS and Android)
• Any future apps or services we release

Your use of our services is also subject to our Privacy Policy, which is incorporated into these Terms by reference. With the exception of Bandee, you must be at least 13 years old (or 16 in the European Economic Area) to use our services, and you represent that you have the legal capacity to enter into these Terms. Bandee is designed for children ages 7 to 10; where a child uses Bandee, these Terms are accepted by the child's parent or legal guardian, who is responsible for supervising the child's use.

1. The Service

Claimd is a personal organization tool. It helps you keep a list of credit card benefits and record, by hand, which ones you have used. It works from information you enter and from a general-reference catalog of publicly advertised card benefits. Claimd does not connect to your bank or card issuer, does not read your transactions, and has no knowledge of your actual accounts, balances, spending, or eligibility.

All figures shown in the Apps, including benefit values, totals, "return on investment," fee comparisons, projections, and any "insights," are arithmetic performed on data you entered and on our general-reference catalog. They are estimates for personal organization only.

Bandee is an educational app for children about electricity, technology, and computers. Its lessons are written for a young audience and are simplified by design; they are provided for general educational purposes and are not a substitute for formal instruction or for adult supervision around electricity. Bandee is free, contains no advertising and no in-app purchases, requires no account, and stores profiles and progress only on the device.

2. Not Financial, Legal, or Tax Advice

Our Apps and any content within them are provided for general informational and organizational purposes only. Nothing in our Apps or on our Site constitutes financial, investment, legal, tax, or credit advice, a recommendation to open, keep, use, or cancel any financial product, or an offer or solicitation of any kind. noonchi labs. is not a financial institution, financial advisor, credit counselor, broker, or fiduciary, and no fiduciary or advisory relationship is created by your use of our services.

Features that compare benefit value to annual fees, rank cards, or suggest which card to use for a purchase are automated calculations based on the data described in Section 1. They do not account for your personal circumstances. Any decision you make about your finances, cards, or spending is yours alone. Consult a qualified professional before making financial decisions.

3. Benefit Information; No Guarantee of Accuracy

Card benefit details in our catalog (values, reset periods, enrollment requirements, expiration dates, earn rates, and similar) are compiled by hand from publicly available issuer materials. Card issuers change, restrict, and discontinue benefits at any time and without notice, and benefit terms may vary by account, product version, region, or enrollment status. As a result:

• We make no representation or warranty that any benefit information in the Apps is accurate, complete, or current.
• Reminder dates, reset periods, and "expiring soon" indicators are estimates and may be wrong for your specific account.
• You are solely responsible for verifying every benefit, deadline, and condition directly with your card issuer before relying on it.

To the fullest extent permitted by law, noonchi labs. is not liable for any missed, expired, forfeited, reduced, or unclaimed benefit, credit, or reward, or for any fee you pay or decision you make, in connection with information shown in (or absent from) our Apps.

4. No Affiliation with Card Issuers

noonchi labs. and Claimd are not affiliated with, endorsed by, or sponsored by any bank, card issuer, payment network, or merchant, including but not limited to American Express, Chase, Capital One, Citi, Bank of America, U.S. Bank, Barclays, Wells Fargo, Visa, or Mastercard. All card names, trademarks, and brands referenced in the Apps are the property of their respective owners and are used for identification purposes only.

5. Use of Our Services

You may use our Apps and website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our services in any way that violates applicable local, national, or international laws or regulations
• Attempt to reverse engineer, decompile, or extract source code from our Apps, except to the extent permitted by applicable law
• Copy, scrape, or redistribute our benefit catalog or other content, whether manually or by automated means
• Use our services to harm, harass, or deceive others
• Interfere with or disrupt the integrity or performance of our services
• Attempt to gain unauthorized access to any part of our services or systems

6. Intellectual Property

All content, features, and functionality of our Apps and website (including but not limited to text, graphics, logos, icons, software, and the benefit catalog) are the exclusive property of noonchi labs. and are protected by copyright, trademark, and other applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use our Apps for your personal, non-commercial purposes. This license does not include any right to:

• Sell, sublicense, or otherwise commercially exploit the Apps
• Modify or create derivative works
• Remove any copyright or proprietary notices

7. Subscriptions & In-App Purchases

Claimd offers an optional auto-renewable subscription, Claimd Premium, which unlocks features such as unlimited cards, household tracking, partial claim tracking, custom reminder timing, and benefit analytics.

Auto-renewal. Claimd Premium is an auto-renewable subscription. Your subscription automatically renews at the end of each billing period at the then-current price unless you cancel at least 24 hours before the renewal date. Your Apple ID or Google account will be charged upon confirmation of purchase and at the start of each renewal period.

Free trial. New subscribers may receive a free trial where offered. If you do not cancel before the trial ends, your subscription automatically converts to a paid subscription and you will be charged.

Cancellation. You can cancel at any time: on iOS, go to Settings → Apple ID → Subscriptions; on Android, go to Google Play → Profile → Payments & subscriptions → Subscriptions. Cancellation takes effect at the end of the current billing period, and you keep premium access until then. Uninstalling the App does not cancel a subscription.

Price changes. We may change subscription pricing for future billing periods. If the platform requires it, you will be notified and/or asked to consent before a price change takes effect.

Billing & refunds. All purchases are processed by the Apple App Store or Google Play; we never receive or store your payment details. Billing disputes and refund requests are handled by the platform: for Apple, visit reportaproblem.apple.com; for Google Play, use the Play Store's refund process. Except where required by law, all fees are non-refundable once charged.

Feature changes. We may add, change, or remove premium features over time. We will not materially reduce the core functionality of an active, paid subscription period without providing a remedy required by applicable platform policy or law.

8. Reminders & Notifications

Reminders and notifications are a convenience feature scheduled on your device. Delivery depends on your device settings, operating system behavior (including battery optimization and notification permissions), and other factors outside our control. Notifications may be delayed, suppressed, or not delivered at all. Do not rely on the Apps as your sole means of tracking any deadline. We are not liable for any consequence of a notification that was not delivered or was delivered late or inaccurately.

9. Your Data & Backups

Your content is stored locally on your device (see our Privacy Policy). You are responsible for maintaining your own backups, including by using the App's export feature. Deleting the App, clearing its data, resetting it, switching devices without exporting, or a device failure may permanently erase your data. We have no ability to recover it and are not liable for any loss of data.

10. Changes to the Services; Availability

We may update, change, suspend, or discontinue any part of our services at any time, including through automatic over-the-air content updates, and we may impose limits on features or restrict access without notice or liability. We do not guarantee that the Apps will be available, uninterrupted, or error-free, or that they will remain compatible with any particular device or OS version.

11. Disclaimers

To the fullest extent permitted by applicable law, our Apps and services are provided on an "as is" and "as available" basis without warranties of any kind, either express, implied, or statutory, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement
• Warranties that the Apps will be error-free, uninterrupted, secure, or free of viruses or other harmful components
• Warranties as to the accuracy, completeness, currency, or reliability of any benefit data, reminder, calculation, insight, or other content

No advice or information, whether oral or written, obtained from us or through the Apps creates any warranty not expressly stated in these Terms. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you; in that case, they apply to the maximum extent permitted.

12. Limitation of Liability

To the fullest extent permitted by applicable law, noonchi labs. and its owner, employees, contractors, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, savings, rewards, credits, benefits, data, or goodwill, arising from or related to:

• Your use of or inability to use our services
• Any inaccuracy, incompleteness, or staleness of benefit data or any other content
• Any missed, expired, forfeited, or unclaimed card benefit, credit, or reward
• Any financial decision you make, including keeping or canceling a card or paying an annual fee
• Notifications that are delayed, suppressed, or not delivered
• Loss of or damage to your data
• Any unauthorized access to or alteration of your data
• Any third-party content, service, or conduct

This applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages, and even if a limited remedy fails of its essential purpose.

Aggregate cap. Our total liability to you for all claims arising from or related to these Terms or the services, taken together, shall not exceed the amount you paid us in the twelve months preceding the event giving rise to the claim, or $10 USD, whichever is greater. Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you; in that case, our liability is limited to the maximum extent permitted.

13. Indemnification

You agree to indemnify, defend, and hold harmless noonchi labs. and its owner, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the services; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; or (d) your data or content.

14. Platform Terms (Apple & Google)

Our Apps are distributed through the Apple App Store and Google Play, and your use is also subject to the applicable platform terms (including the Apple Media Services Terms and Conditions and the Google Play Terms of Service).

If you downloaded the App from the Apple App Store, the following applies: these Terms are between you and noonchi labs. only, not Apple; Apple has no obligation to provide maintenance or support for the App; in the event of a failure of the App to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price (if any), and to the maximum extent permitted by law Apple has no other warranty obligation; Apple is not responsible for addressing any claims relating to the App, including product liability, regulatory, or IP claims; Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you; and you represent that you are not located in a country subject to a U.S. government embargo and are not on any U.S. government restricted-party list.

15. Termination

We reserve the right to suspend or terminate your access to our services at our sole discretion, without notice, if we believe you have violated these Terms. You may stop using our Apps at any time by uninstalling them; any active subscription remains subject to the platform's cancellation process (Section 7).

Upon termination, all licenses granted to you under these Terms immediately cease. Provisions that by their nature should survive termination (including Sections 2, 3, 4, 6, and 11 through 18) shall survive.

16. Governing Law & Disputes

These Terms are governed by the laws of the State of California and applicable United States federal law, without regard to conflict of law provisions. Subject to the arbitration provision below, any court proceeding shall be brought exclusively in the state or federal courts located in California, and you consent to their jurisdiction.

Talk to us first. Before filing any claim, you agree to contact us at the email below and give us 30 days to try to resolve the dispute informally.

Arbitration. Any dispute not resolved informally shall be resolved through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that (a) either party may bring an individual claim in small-claims court, and (b) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property.

Class action waiver. You agree to resolve disputes with noonchi labs. on an individual basis only, and you waive any right to participate in a class action, class arbitration, or representative proceeding.

Time limit. To the extent permitted by law, any claim arising from these Terms or the services must be filed within one (1) year after the claim arose, or it is permanently barred.

17. Changes to These Terms

We may revise these Terms at any time. When we do, we will update the "Last updated" date at the top of this page, and for material changes we will provide additional notice where practicable. Your continued use of our services after any changes constitutes your acceptance of the revised Terms. If you do not agree with the changes, stop using our services.

18. General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and noonchi labs. regarding the services and supersede any prior agreements.
• Severability. If any provision of these Terms is held unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions remain in full force.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control.
• No third-party beneficiaries. Except as stated in Section 14, these Terms create no third-party rights.

19. Contact Us

Questions about these Terms? Reach out: