Member Terms of Service

Effective July 30, 2026 · Version 2026-07-30 · People who buy or use a StarCard membership

This document is a draft prepared for review and is not legal advice. It should be reviewed by a licensed attorney before it is relied upon.

These Member Terms of Service ("Terms") are an agreement between you and Summit Studio LLC, which operates the StarCard program ("StarCard," "we," "us," or "our"). They govern your use of the StarCard app and your membership. By creating an account, buying a membership, or using the Services, you agree to these Terms and to our Privacy Policy.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to create an account or buy a membership. By using the Services you represent that you meet these requirements.

2. What a StarCard membership is

A StarCard membership lets you view and redeem discounts and special offers at participating local shops. The offers are provided by the shops themselves, not by StarCard. We curate and display offers, but we do not sell the discounted goods or services and we do not guarantee that any particular shop or offer will be available, unchanged, or honored. Participating shops, offers, terms, and locations may change or end at any time.

3. Price, term, and automatic renewal

A membership is sold for the price shown at checkout and runs for a 12-month term from the date your purchase is confirmed.

Automatic renewal: unless you turn off auto-renewal or cancel, your membership renews automatically at the end of each term, and the payment method on file is charged the then-current annual price. We will make renewal terms and any price change available before a renewal charge. You can turn off auto-renewal or cancel at any time before the renewal date through the app or by contacting us; cancellation takes effect at the end of the current term.

⚠️ Confirm the final price, renewal-notice method/timing, and cancellation mechanics against the built billing flow, and confirm these disclosures meet the auto-renewal laws of the states where members live (several require specific pre-purchase and pre-renewal notices).

4. Payment

Purchases are processed by our third-party payment processor. You authorize us and our processor to charge your selected payment method for the membership and any renewals. You are responsible for keeping your payment information current.

5. Refunds

Except where required by law, membership fees are non-refundable once a term begins, including for unused memberships or offers you did not redeem. If you believe you were charged in error or have a problem with your purchase, contact us and we will work with you in good faith.

⚠️ Owner decision: confirm the refund stance (and any satisfaction guarantee, cooling-off period, or fundraiser-specific handling). Some jurisdictions mandate cancellation/refund rights that override a blanket no-refund rule.

6. Redeeming offers

To redeem an offer, present it in the app at the participating shop as instructed. Each offer has its own terms — for example, how often it can be used (such as once ever, or once per visit), exclusions, and expiration. Offers have no cash value, cannot be combined unless stated, and may not be resold or transferred. Whether and how an offer is honored is up to the shop.

7. Your account

You are responsible for your account and for keeping your login credentials secure. A membership is for your personal use — one active membership per person, and it may not be shared, resold, or used fraudulently. Notify us promptly if you believe your account has been compromised.

8. Acceptable use

You agree not to:

Use the Services for any unlawful, fraudulent, or abusive purpose.
Redeem offers you are not entitled to, or attempt to redeem the same one-time offer more than once.
Resell, transfer, or commercially exploit your membership or any offer.
Interfere with, disrupt, reverse engineer, or attempt to gain unauthorized access to the Services.
Copy, scrape, or misuse shop names, logos, images, or offer content shown in the app.

9. Our content and license to you

The Services, including the StarCard app, software, design, and content, are owned by Summit Studio LLC and our licensors and are protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the app for your own use of your membership. All rights not expressly granted are reserved.

10. Disclaimers

The Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Participating shops are independent businesses. StarCard does not provide the discounted goods or services, is not responsible for a shop's acts, omissions, product quality, or refusal to honor an offer, and does not guarantee the availability, accuracy, or value of any offer.

11. Limitation of liability

To the fullest extent permitted by law, Summit Studio LLC and its owners, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost savings or expected discounts, arising out of or relating to the Services. Our total liability for any claim relating to the Services will not exceed the amount you paid us for your membership in the 12 months before the claim.

12. Indemnification

You agree to indemnify and hold harmless Summit Studio LLC from claims, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Services or violation of these Terms.

13. Suspension and termination

We may suspend or terminate your access to the Services if you violate these Terms or misuse the Services. You may stop using the Services at any time; sections that by their nature should survive termination (such as disclaimers, limitations of liability, and dispute resolution) will survive.

14. Governing law and disputes

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws rules. Before filing any claim, you agree to first contact us at starcard@summitstudio.dev so we can try to resolve it informally. If we can't, you and StarCard agree that any dispute will be resolved exclusively in the state and federal courts located in Putnam County, Tennessee, and you consent to the jurisdiction of those courts.

⚠️ Drafted with court-based dispute resolution (no mandatory arbitration or class-action waiver), per owner instruction. If arbitration is later desired, this section must be rewritten with the required conspicuous disclosures.

15. App stores

You obtained the app from a third-party app store (such as the Apple App Store or Google Play) and agree to that store's terms as well. The app store providers are not parties to these Terms and are not responsible for the Services. To the extent Apple's standard licensed-application end-user license agreement applies, these Terms apply in addition to it, and Apple and its subsidiaries are third-party beneficiaries of these Terms with the right to enforce them against you.

16. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the effective date above and, where appropriate, provide additional notice. Your continued use of the Services after an update means you accept the revised Terms.

17. Contact us

Questions about these Terms? Contact Summit Studio LLC at starcard@summitstudio.dev, or by mail at [MAILING ADDRESS — Cookeville, TN].