Terms of Service

By accessing or using the Kard.pk platform ("Platform"), you agree to be bound by these Terms of Service ("Terms"). The Platform is owned and operated by Coopon (Private) Limited, a company incorporated under the Companies Act, 2017 (XIX of 2017) and registered with the Securities and Exchange Commission of Pakistan (SECP) under Corporate Unique Identification No. 0328098 ("Company", "we", "us", "our").

If you do not agree to these Terms, you must not use the Platform. These Terms apply to all visitors, registered merchants, and any other users of the Platform.

By creating an account, you represent that you have the authority to bind your business entity to these Terms and that you are at least 18 years old.

• "Platform" means the Kard.pk website, dashboard, APIs, and all associated services operated by Coopon (Private) Limited.
• "Merchant" means any registered business or individual using the Platform to create and distribute digital cards.
• "Customer" means any end user who receives, claims, or redeems a digital card created by a Merchant.
• "Lead" means the successful claim of a digital card by a Customer, as recorded by the Platform's tracking system.
• "Kard" means any digital card created on the Platform, including but not limited to Kard Offer (coupons), Kard Stamp (loyalty cards), Kard Pass (session passes), Kard Gift (gift cards), and Kard Refer (referral links).
• "Barcode" means the unique Code128 or equivalent machine-readable identifier assigned to each issued Kard for redemption purposes.

Eligibility

To register as a Merchant, you must be a registered business operating in Pakistan or an individual lawfully conducting business in Pakistan. You must provide accurate and complete business information during registration, including your business name, contact number, and business category.

Account Restrictions

• One account per business entity. Multiple accounts for the same legal entity are not permitted without prior written approval.
• You are responsible for maintaining the confidentiality of your account credentials.
• You must immediately notify us of any unauthorized use of your account.
• We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

As a Merchant, you agree to the following obligations:

• All offers created on the Platform must be genuine and must be honored at the point of redemption when a Customer presents a valid Kard.
• You must not create fraudulent, misleading, deceptive, or illegal offers.
• You are solely responsible for fulfilling any offer, discount, or benefit associated with a Kard claimed by a Customer.
• You must not use the Platform to send unsolicited messages, spam, or promotional content outside of the Platform's intended distribution channels.
• You must not attempt to reverse-engineer, decompile, or interfere with the Platform's technical operations.
• You must comply with all applicable laws and regulations of Pakistan, including consumer protection and data privacy laws.

Lead Definition

A "Lead" is counted based on the card type used. The billing trigger differs per card type as follows:

Views, clicks, and shares that do not result in the above triggers do not count as Leads. Kard Stamp claims are free — the Merchant is only charged when the Customer physically visits and receives their first stamp.

Pricing

Lead pricing is determined by two factors: (1) the Merchant's registered business category and (2) the type of Kard used. The following pricing matrix (all amounts in PKR per successful Lead) applies:

Free Tier

All new accounts include 5 free Leads per calendar month, regardless of card type or business category. Free Leads do not roll over to subsequent months. After free Leads are exhausted, the matrix rates above apply per successful claim.

Billing

Merchants may choose between prepaid wallet top-up or monthly invoicing. Minimum wallet top-up is 500 PKR. Billing statements are available in the merchant dashboard.

Price Changes

Coopon (Private) Limited reserves the right to update Lead pricing with a minimum of 30 calendar days' advance written notice to affected Merchants via email. Continued use of the Platform after the effective date of a price change constitutes acceptance of the new pricing.

The Kard.pk Platform, including its name, logo, design, code, algorithms, barcode generation system, and all associated intellectual property, is owned exclusively by Coopon (Private) Limited and is protected by applicable intellectual property laws of Pakistan.

Merchants retain ownership of the content they create (offer descriptions, images, business information). By using the Platform, Merchants grant Coopon (Private) Limited a non-exclusive, worldwide, royalty-free license to display, distribute, and process their content solely for the purpose of operating the Platform and delivering services.

The Platform is provided on an "as-is" and "as-available" basis without warranties of any kind, whether express or implied.

• Coopon (Private) Limited is not liable for any disputes between Merchants and Customers, including disputes arising from unfulfilled offers, product quality, or service delivery.
• We are not liable for interruptions in WhatsApp service, delivery failures caused by third-party platforms, or factors beyond our reasonable control.
• Our maximum aggregate liability to any Merchant shall not exceed the total fees paid by that Merchant in the 30 days immediately preceding the event giving rise to the claim.
• In no event shall Coopon (Private) Limited be liable for indirect, incidental, special, consequential, or punitive damages.

These Terms are governed by and construed in accordance with the laws of the Islamic Republic of Pakistan. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Punjab, Pakistan.

Before initiating any legal proceedings, both parties agree to attempt good-faith resolution through direct communication. Merchants may raise disputes by contacting legal@kard.pk with a detailed description of the issue.

• Either party may terminate the Merchant's account with 7 calendar days' written notice.
• Coopon (Private) Limited reserves the right to immediately suspend or terminate any account that violates these Terms, engages in fraudulent activity, or poses a risk to the Platform's integrity.
• Upon termination, the Merchant's active Kards will be deactivated. Any outstanding balance in the Merchant's prepaid wallet is subject to the Refund Policy.
• Sections relating to intellectual property, limitation of liability, and dispute resolution survive termination.

Coopon (Private) Limited may update these Terms from time to time. Material changes will be communicated to registered Merchants via email at least 30 calendar days before the effective date of the changes.

Continued use of the Platform after the effective date of updated Terms constitutes acceptance. If you disagree with updated Terms, you must discontinue use and close your account.