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.

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

• The noonchi labs. website
• Claimd (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.

1. 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
• 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

2. Intellectual Property

All content, features, and functionality of our Apps and website — including but not limited to text, graphics, logos, icons, and software — 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

3. Subscriptions & In-App Purchases

Claimd offers an optional auto-renewable subscription, Claimd Premium, which unlocks unlimited cards, partial claim tracking, smart reminders, and benefit analytics.

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

Free trial. New subscribers may receive a 7-day free trial. If you do not cancel before the trial ends, your subscription will automatically convert to a paid annual subscription and your Apple ID will be charged.

Cancellation. You can cancel your subscription at any time by going to Settings → Apple ID → Subscriptions on your iPhone or iPad. Cancellation takes effect at the end of the current billing period — you will retain access to premium features until then.

Billing & refunds. All purchases are processed through the Apple App Store. We do not process payment information directly. Billing disputes and refund requests should be directed to Apple at reportaproblem.apple.com.

4. Disclaimers

Our Apps and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Apps will be error-free, uninterrupted, or free of viruses
• Warranties that reminders, tracking data, or results produced by the Apps are accurate, complete, or uninterrupted

Claimd provides benefit tracking and reminder tools to help you manage your credit card perks. While we strive to keep benefit data current and accurate, card issuers may change benefit terms at any time. Always verify benefit details directly with your card issuer before making financial decisions.

5. Limitation of Liability

To the fullest extent permitted by applicable law, noonchi labs. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising from:

• Your use of or inability to use our services
• Any errors or omissions in the content of the Apps
• Any unauthorized access to or alteration of your data
• Any third-party content or conduct

Our total liability to you for any claims arising from or related to these Terms shall not exceed the amount you paid to us in the twelve months preceding the claim, or $10 USD, whichever is greater.

6. Third-Party Services

Our Apps are distributed through the Apple App Store and Google Play Store, which are subject to their own terms and conditions. By using our Apps, you also agree to comply with the applicable platform terms:

• Apple Media Services Terms and Conditions
• Google Play Terms of Service

noonchi labs. is solely responsible for its Apps and content. Apple and Google are not parties to these Terms.

7. 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.

Upon termination, all licenses granted to you under these Terms immediately cease. Provisions that by their nature should survive termination (including Sections 4, 5, and 8) shall survive.

8. Governing Law & Disputes

These Terms are governed by the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

You agree to resolve disputes with noonchi labs. on an individual basis and waive any right to participate in class action proceedings.

9. 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. Your continued use of our services after any changes constitutes your acceptance of the revised Terms. If you do not agree with the changes, please stop using our services.

10. Contact Us

Questions about these Terms? Reach out: