Terms of Use

1. About Cardy

Cardy is a mobile service operated by Athar Al-Sa’i Company (شركة أثر السعي), a company registered in the Republic of Iraq (“Cardy”, “we”, “us”). Cardy lets you find partner venues and venues, buy points and venue subscriptions, and check in by scanning a QR code.

The Cardy network currently operates inside Iraq only.

You can reach us at info@cardyiq.com or +964 777 500 5603.

2. Accepting these Terms

By creating a Cardy account or using the app you agree to these Terms and to the Cardy Privacy Policy. If you do not agree, please do not use Cardy.

These Terms form an agreement between you and Athar Al-Sa’i Company (شركة أثر السعي).

3. Eligibility and your account

• You must be 15 years or older to open a Cardy account.
• You sign in with your phone number and a one-time code we send you; keep your phone and your account secure.
• Your account is personal. Do not share, lend, sell or transfer it, and do not open more than one account.
• Give us accurate information and keep it up to date.
• Tell us immediately at info@cardyiq.com if you lose your device or believe someone else is using your account.

4. How Cardy works

Cardy is a platform that connects you with independent partner venues. Each venue sets its own opening hours, house rules, facilities and entry requirements.

• You buy points, or a subscription to a specific venue, inside the app.
• You enter a venue by scanning its QR code from the scan screen.
• A confirmed visit spends the points that venue charges for entry, usually 25 to 50 points.

Cardy does not own, manage or operate the venues, and does not itself provide fitness, training or medical services.

5. Points and top-ups

• Points are prepaid credit used to pay for visits. They have no cash value and cannot be exchanged for money.
• Points do not expire, and you can top up at any time.
• Points cannot be transferred, sold or shared between accounts.
• The number of points a visit costs is set by each venue and shown to you before you scan.
• Cardy never charges you and never tops up your balance without your confirmation in the app.

6. Venue subscriptions

A venue subscription is a fixed-term membership at one venue, bought through Cardy and honoured by that venue.

• The term, the price and what it includes are shown before you pay.
• A subscription starts on the date shown at purchase and ends when its term ends. It does not renew automatically.
• Access under a subscription still follows that venue's rules, opening hours and capacity.

7. Payments and receipts

• Prices are shown in Iraqi dinars and include any applicable taxes unless stated otherwise.
• Payments are processed by licensed payment providers. Cardy never sees or stores your full card number, wallet PIN or banking credentials.
• Every purchase appears in Account → Payments; that record is your receipt.
• If you are charged but your points or subscription do not appear, contact us within 48 hours and we will trace the transaction.

8. Refunds

• Points you buy are not refunded to your card or wallet and cannot be exchanged for money, except where Iraqi law requires otherwise.
• Venue memberships are not refundable, before or after they start.
• Points come back to you when a booking that is still pending is cancelled or rejected, and when a visit fails or was recorded by mistake. Our team reviews the case and returns the points to where they came from.
• A booking the venue has already confirmed is not refunded. If you do not go, it counts as a visit.
• Bonus points that come with a membership belong to that membership period. They are refilled when a new period starts, end when the membership ends, and are never refunded.
• If a payment was taken but your points or membership did not arrive, or you were charged twice, contact us within 48 hours. Once we confirm it, we add what you paid for to your account.

9. Entry and venue rules

• Entry is confirmed by scanning the venue's QR code, and one visit is open at a time.
• Follow the venue's rules, dress code, opening hours and staff instructions.
• A venue may refuse or end an entry for reasons of safety, capacity, conduct or identification, or where its own membership rules require it. Staff may ask you to confirm your identity.
• Do not try to enter using someone else's account, a screenshot of a code, or any code that was not issued to you at that venue.

10. Health and safety

Exercise carries risk. By using a partner venue you confirm that you are medically fit to take part, and you take responsibility for your own health and safety.

• Consult a doctor before starting or changing an exercise programme, and stop if you feel unwell.
• Follow the venue's safety instructions and use equipment as intended.
• Each venue is independently responsible for its premises, equipment, staff and services. Cardy does not inspect, supervise or certify them.

11. Reviews and what you post

You can leave a review after a visit, and you can send us problem reports.

• Keep reviews honest and based on your own visit. Do not post insults, other people's personal details, or unlawful content.
• You keep ownership of what you write, and you allow Cardy to show it in the app next to the venue.
• We may remove content that breaks these Terms, and may withdraw review access where the feature is abused.

12. Acceptable use

You agree not to:

• use Cardy for fraud, or to obtain visits, points or subscriptions you have not paid for;
• share, lend or sell your account or your entry codes;
• interfere with, probe, overload or reverse-engineer the app or our systems;
• use automated tools to access the service or to collect data from it;
• harass venue staff or other members, or misuse the report and review features.

13. Permissions, location and notifications

The app asks for permissions on your device so it can work as intended:

• Location: used while the app is open, to show venues near you and sort them by distance. Cardy does not track your location in the background.
• Camera: used to scan a venue's QR code.
• Notifications: used for visit, payment and subscription updates, service messages and offers.

You can change any of these in your device settings at any time; the related features stop working without them.

14. Suspension, deactivation and closure

• You can deactivate your account from the app at any time. Deactivation signs you out and stops access; your phone number stays reserved to your account, so reactivating it goes through our support team.
• We may suspend or close an account that breaks these Terms, that is used fraudulently or abusively, or where a payment cannot be completed.
• Unused points are not refunded when an account is closed for breaking these Terms.
• Requests about your personal data are handled under the Privacy Policy.

15. Availability and changes to the service

Cardy is provided “as is”. We work to keep the service available, but we do not guarantee uninterrupted or error-free operation.

• Features, venues, prices and the point cost of a visit can change.
• We may suspend parts of the service for maintenance, security or legal reasons.
• If a venue leaves the Cardy network, we will tell you in the app, and support will help you with any membership you already paid for there.

16. Intellectual property

The Cardy name, logo, app, designs, text and software belong to Athar Al-Sa’i Company (شركة أثر السعي) or its licensors. You may use them only as part of using the app; copying, modifying, distributing or building on them is not allowed without our written consent. Venue names and logos belong to those venues.

17. Liability and the role of venues

Cardy is the platform that arranges your access; the venue provides the facilities, training and services.

• Cardy is not responsible for injury, illness, loss or damage arising inside a venue or from using its equipment or services.
• Cardy is not responsible for a venue closing, or changing its hours, facilities or standards.
• To the extent the law allows, Cardy's total liability for any claim connected with the service is limited to the amount you paid to Cardy in the 3 months before the event that gave rise to the claim.
• Nothing in these Terms limits liability that cannot be limited under Iraqi law, including liability for fraud.

18. Changes to these Terms

We may update these Terms. The version shown in the app is always the current one, with its effective date at the top of the screen. If a change materially affects you, we will highlight it in the app or send a notification. Continuing to use Cardy after a change means you accept the updated Terms.

19. Governing law and disputes

These Terms are governed by the laws of the Republic of Iraq. Please contact us first: most issues are settled quickly by support. Disputes that cannot be settled that way are subject to the competent courts of Baghdad, Iraq.

20. Contact us

Athar Al-Sa’i Company (شركة أثر السعي)

• Email: info@cardyiq.com
• Phone and WhatsApp: +964 777 500 5603

Support answers during working hours, and you can always reach us from Help in the app.