Effective date: July 24, 2026 Last updated: August 4, 2026
These Terms of Use (this "Agreement") govern your use of the Brightcard app ("the App") provided by Fioritmo B.V. ("we", "us"); "Brightcard" is a trademark of Fioritmo B.V. By downloading or using the App, you agree to this Agreement. If you do not agree, do not use the App.
This Agreement is between you and Fioritmo B.V. only, not with Apple. We, not Apple, are solely responsible for the App and its content.
1. License
We grant you a personal, non-transferable, non-exclusive license to use the App on any Apple-branded product that you own or control, as permitted by the App Store Usage Rules in Apple's Media Services Terms and Conditions. You may not copy (except as allowed by the Usage Rules), redistribute, reverse-engineer, or sublicense the App except as permitted by law.
2. What the App does
Brightcard is an on-device wallet for loyalty cards, credit and other payment cards, identity documents (a passport, identity card, driving licence or residence permit), tickets (events and journeys), vouchers, holdings (including expense reports with receipt attachments, and shared expenses that record how a bill was split with other people), collections for asking other people for details and answering the same from others, business cards (which you can keep as separate personas), and, with Brightcard Pro, a vault of notes kept in notebooks, where a field can be marked secret so a password can sit beside the account it belongs to and a note can carry attached photos, scans or PDFs. It stores your data locally on your device, protects access with a device passkey (Face ID / Touch ID / passcode), and does not use accounts or servers. Features that turn your content into text, reading a receipt to suggest expense fields, reading a photo of a paper business card to fill in a contact, reading a photo of a credit card to fill in its number and dates, detecting a code in a photo, or dictating a note, run entirely on your device, and what they produce is a suggestion you are responsible for checking: text read from a photo or heard from speech can be wrong or incomplete, and the App does not verify it. Dictation depends on a recognition model iOS provides for the language you choose; where your device has no local model for it, the feature is unavailable rather than sent to a server. You are responsible for your device's security and for keeping your own backups; because your data is stored only on your device, losing or resetting your device (or losing your backup and its key) may permanently lose your data. This applies to anything you keep in the vault as much as to a card: the App is a place to keep your own notes and secrets on your own device, it is not a managed password service, and it offers no recovery of content you lose.
Payment cards are a record you keep, not a means of payment. A card you store as a credit card is written down for your own reference. The App cannot make a payment, does not connect to your bank, a card network or any payment processor, and is not a payment service, money transmitter or Apple Pay wallet; adding a card here does not register, activate or authorise it anywhere. Its number starts masked, revealing or copying it requires your device biometrics or passcode where those are set up, and it is excluded from the Apple Watch and Home Screen widgets. Where a card is contactless, the App can read its chip over NFC if you ask it to, purely to copy down the number, expiry and scheme printed on it: that exchange is read-only, contacts no bank and authorises no payment, and the security code is not present on the chip in readable form, so it cannot be obtained that way. Deciding whether to keep a card, and whether to include its security code, which is optional and empty unless you fill it, is yours, as is the security of the device and of any backup you make; a backup file is only as protected as wherever you store it. You are responsible for using only cards you are entitled to use.
An identity document is a record you keep, not a credential. A passport, identity card, driving licence or residence permit stored in the App is written down for your own reference, yours or a family member's, in the same sense a photocopy in a drawer is. The App cannot present a document to anyone, prove your identity, or act as an official ID, and storing one here does not register it with, or notify, any authority. Where a document contains a chip, the App can read it over NFC if you ask it to: that exchange is read-only, it cannot alter your document, it works only with the numbers printed on the document you are holding, and it happens entirely on your device. It is not a verification. The App does not check a chip's signature against any country's certificate authority and makes no claim that a document is genuine, unaltered, valid or current; what you get is what the chip reported, and what the camera read from the printing is a suggestion you are responsible for checking. Reading a document you are not entitled to hold or copy is your responsibility, as is complying with any local law about doing so. Document numbers start masked, revealing or copying one requires your device biometrics or passcode where those are set up, and identity documents are excluded from the Apple Watch and Home Screen widgets. Expiry warnings, including on a document linked to a ticket, are a convenience computed on your device from the dates you stored, not advice about travel, entry requirements or a carrier's rules; do not rely on the App to tell you whether a document is acceptable for a journey.
A shared expense is your own record of a split, not a demand anyone owes. When you record that a bill was split, the other people are names you write down: nobody is contacted, invited or notified by the App, no account exists for them, and marking somebody as having paid changes a note on your device and nothing in the world. The App does not move money, collect payments, process transactions or act as a payment service; where you store a link for someone to pay you, that link is text you supply which the App merely shows. The totals are arithmetic over the figures you entered, offered for your convenience and not accounting, tax or legal advice, you are responsible for checking them. Exporting a split as a PDF, or sending it in reply to a collection, hands that information to whoever you send it to; once sent it cannot be recalled, and choosing what to include, and whether you are entitled to share another person's details in it, is yours.
Collections put other people's data in your hands, and that is your responsibility. The App lets you ask people for details and gather what they send back, and lets people you have approved ask the same of you. Requests and replies are files you deliver by whatever means you choose; the App has no server and we never receive, route or store them. A reply is encrypted to you, and only somebody whose signing key you have approved can ask you for anything. If you are the one collecting: what you gather is other people's personal data held on your device, and complying with any law that applies to holding it, including data-protection law, is yours alone. You may be the data controller for it, and we are not. A retention date you set is carried out by the App on your device, and a withdrawal sent to you destroys the key to that person's answer; neither can reach a copy you have already exported, printed or forwarded. Use the feature only to ask for what you actually need and are entitled to ask for.
If you have a paired Apple Watch, Brightcard Pro can display loyalty cards, tickets and vouchers you explicitly opt in on your Watch, synced directly from your iPhone over Apple's device link with no server involved. Brightcard Pro can also place Home Screen widgets (items you flag, or loyalty cards near a saved location); widgets show only display details and never a scannable code, which stays behind your passkey inside the app.
The App also lets you create encrypted backups and share items with another person via Secure Transfers. A Secure Transfer produces an encrypted file (AES-256-GCM), plus a short transfer code shown only to you that the recipient must enter to open it. The App has no server, so we never receive, route, or store the file or the code, you choose how the file travels (AirDrop, Messages, Mail, a file provider, etc.) and you deliver the code separately. This is described in the Privacy Policy at https://brightcard.io/privacy.
3. Brightcard Pro - purchases
The App offers Brightcard Pro as a single one-time purchase (a non-consumable in-app purchase). There is no subscription, you pay once and Pro is unlocked permanently for your Apple Account, including on your other devices signed in to the same account. Payment is charged to your Apple Account at confirmation of purchase.
Without Pro, the App is fully usable within free-tier limits: a combined total of 12 items per wallet (loyalty cards, tickets, vouchers, holdings accounts and business cards together), 2 wallets, 1 saved location per card, and 5 balance snapshots per holdings account. Pro removes these limits and unlocks the additional features described in the App.
These limits are keep-all, block-new: if you are ever over a limit, nothing you already saved is hidden, locked, or deleted, only *adding* beyond the limit is blocked until you are back under it or you purchase Pro.
All purchases are processed by Apple. Prices are shown in the App before purchase and may vary by region. Refunds are handled by Apple under Apple's policies; we do not process payments or issue refunds directly. Free features remain available without a purchase, and content you already saved is never removed.
4. Acceptable use
You agree to use the App only for lawful purposes and only for your own cards, tickets, vouchers, holdings, and contacts (or those you are authorized to store), and, where you collect details from other people, only for details you are entitled to ask for and to hold. You are responsible for the accuracy and legality of the content you add.
When you use backups or Secure Transfers, you are responsible for choosing whom you send data to and for the channel you use to send it. Because a Secure Transfer's confidentiality depends on the transfer code, you must keep the code separate from the encrypted file and share it only with your intended recipient; anyone who obtains both the file and its code can open the transferred items. You are responsible for only transferring content you are authorized to share, and once you send data to another person or app, its further handling is outside our control.
5. Maintenance and support
We are solely responsible for providing any maintenance and support for the App, as required by law. Apple has no obligation to furnish any maintenance or support for the App. Support requests: support@brightcard.io.
6. Warranty
To the maximum extent permitted by law, the App is provided "as is" without warranty of any kind. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App. Any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to any warranty are our sole responsibility.
7. Product claims
We, not Apple, are responsible for addressing any claims by you or a third party relating to the App or your use of it, including: (a) product liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.
8. Intellectual property
The App and its content (excluding your data) are owned by us and our licensors and are protected by intellectual property laws. In the event of any third-party claim that the App or your possession and use of it infringes that third party's intellectual property rights, we, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
9. Legal compliance
You represent and warrant that (a) you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
10. Third-party terms
You must comply with applicable third-party terms of agreement when using the App (for example, your wireless data plan terms).
11. Apple as third-party beneficiary
You acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of this Agreement, and that upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary of it.
12. Limitation of liability
To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, arising from or related to your use of the App. Nothing in this Agreement limits liability that cannot be limited under applicable law.
13. Changes
We may update this Agreement. Changes take effect when posted at this URL and, where appropriate, on the next App update. Continued use after changes means you accept them.
14. Governing law
This Agreement is governed by the laws of the Netherlands, without regard to conflict-of-laws rules, except where mandatory local consumer-protection law applies to you.
15. Contact
Fioritmo B.V. ("Brightcard" is a trademark of Fioritmo B.V.) The Netherlands - company details and registered address: https://fioritmo.com support@brightcard.io