Multiply.Cards1. Acceptance of Terms
By accessing or using our educational card game platform ("Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Service.
For Users Under 18: If you are under 18 years old, your parent or guardian must review and agree to these Terms on your behalf.
2. Description of Service
Multiply.Cards is an educational platform that provides interactive card-based learning games designed to help students practice and improve their mathematical skills. Our Service includes:
- Interactive card matching games with multiple game modes (Find Results, Find Equations, Find Mix)
- Educational content for mathematics learning
- Progress tracking and performance analytics
- Tools for teachers and parents to monitor student progress
3. User Accounts and Eligibility
3.1 Account Registration
- Students under 13: Accounts must be created by a parent, guardian, or teacher
- Students 13-17: May create accounts with parental consent
- Adults: May create accounts for personal use or to manage student accounts
3.2 Account Responsibilities
- You are responsible for maintaining the confidentiality of your account credentials
- You must provide accurate and complete information during registration
- Teachers and parents are responsible for student accounts they create or supervise
- Notify us immediately of any unauthorized use of your account
4. Educational Use Guidelines
4.1 Intended Use
Multiply.Cards is designed for educational purposes to support mathematics learning. The Service should be used in accordance with educational best practices.
4.2 Classroom and Home Use
- Teachers may use the Service in their classrooms and assign activities to students
- Parents may use the Service to support their children's learning at home
- Students should use the Service under appropriate adult supervision when applicable
5. User Conduct
You agree not to:
- Use the Service for any unlawful purpose or in violation of these Terms
- Attempt to gain unauthorised access to other users' accounts or data
- Upload, transmit, or distribute any harmful, offensive, or inappropriate content
- Interfere with or disrupt the Service or servers
- Share account credentials with unauthorised users
- Use the Service in any way that could harm minors
6. Privacy and Student Data Protection
6.1 Privacy Commitment
We are committed to protecting the privacy of all users, especially students. Our collection and use of personal information is governed by our Privacy Policy, available at multiply.cards/privacy.
Please review our Privacy Policy to understand how we handle your data. Key points include:
- Students use anonymous share codes and provide no personal information
- Teachers and parents provide only name and email address
- We never sell personal information
- Data is encrypted and securely stored
6.2 Student Data
- We collect only the minimum data necessary to provide educational services
- Student data will not be used for commercial purposes unrelated to education
- We implement appropriate security measures to protect student information
- Parents and eligible students have the right to access, correct, or delete personal information
7. Intellectual Property
7.1 Our Content
All content, features, and functionality of Multiply.Cards, including but not limited to text, graphics, logos, software, and game mechanics, are owned by us or our licensors and are protected by copyright and other intellectual property laws.
7.2 User Content
- You retain ownership of any original content you create using our Service
- By using our Service, you grant us a limited license to use, display, and distribute your content as necessary to provide the Service
- You represent that you have the right to grant this license
8. Payment Terms and Refunds
8.1 Plans and Payments
Multiply.Cards offers a permanent free plan (no time limit, no card required) alongside our paid plans:
- Payments are processed through our payment processor (Paddle)
- Multiply@School (teacher and school) plans are annual subscriptions that automatically renew unless cancelled
- Multiply@Home (the Family Pack) is a one-time purchase — there is no subscription and nothing to renew
- The free plan is permanent; there is no time-limited free trial
8.2 Educational Discounts
We may offer special pricing for educational institutions and volume purchases.
8.3 Refund Policy
We want you to be happy with Multiply.Cards. The same 30-day money-back promise applies to every paid plan, and our paid plans are billed annually.
This section is also published on its own at multiply.cards/refunds, so it can be linked to and found without reading the full Terms. The two say the same thing; if they ever disagree, this section is authoritative.
30-day money-back guarantee (all plans)
- Ask us for a refund within 30 days of your purchase and we will refund you in full, no reason required. Cancelling your plan is a separate action and does not by itself request a refund.
- This applies to the Teacher and School plans and to the Multiply@Home Family Pack.
- You can also try the platform first on our permanent free plan — no card required — before you buy.
After 30 days — Teacher & School (annual) plans
- After the 30-day window these plans are non-refundable. You keep full access until the end of the year you have paid for.
- You can cancel at any time. Cancelling stops the next year's renewal — it does not end your current year and does not return money.
- At the end of a cancelled year your account returns to the free plan. Your groups, pupils, sign-in codes and progress are kept, never deleted.
After 30 days — Multiply@Home Family Pack
- The Family Pack is a one-time purchase with no recurring billing, so after the 30-day money-back window it is non-refundable.
- If you ever stop using it, your children keep playing on the free plan and their progress is never deleted.
Refunds paid by bank transfer
- Schools that paid by invoice / bank transfer are covered by the same 30-day money-back guarantee. Because the payment did not come from a card, we cannot reverse it automatically — email hello@multiply.cards and we will arrange the transfer back with Paddle.
- Cancelling is not the same as asking for a refund. If you are within your 30 days and want your money back, email us — cancelling on its own stops your renewal but does not return the payment.
Cancelling vs. refunding (annual plans)
- Cancel: stop the next year's renewal and keep full access until the end of the year you have already paid for — no money changes hands.
- Refund: get money back now (per the terms above); paid access ends at that point.
Billing errors
Duplicate charges and clear billing errors are always refunded in full, at any time, regardless of the windows above.
How to request a refund
Email hello@multiply.cards with the email address on your account (and, if you have it, your order/transaction reference). Refunds are issued to your original payment method by our payment processor, Paddle, which also reverses any tax charged. They typically take a few business days to appear.
Nothing in this policy affects any statutory rights you may have as a consumer. Where your local law gives you stronger cancellation or refund rights than those set out above, those rights continue to apply.
9. Limitation of Liability
To the maximum extent permitted by law:
- We provide the Service "as is" without warranties of any kind, whether express or implied
- We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
- Our total liability to you for any claims related to the Service shall not exceed the amount you paid for the Service in the 12 months preceding the claim
- We do not warrant that the Service will be uninterrupted, secure, or error-free
- You acknowledge that no educational platform can guarantee specific learning outcomes
10. Educational Disclaimer
While Multiply.Cards is designed to support mathematics education, it is not a substitute for comprehensive instruction by qualified educators. Results may vary, and we cannot guarantee specific learning outcomes.
11. Termination
11.1 Termination by You
You may terminate your account at any time by contacting us or using account settings.
Upon Account Termination:
- Your account data will be deleted within 30 days
- Student performance data associated with your account will be deleted
- You can request a final data export before deletion
- Backup data is automatically purged within 90 days
See our Privacy Policy for full data retention details.
11.2 Termination by Us
We may terminate or suspend accounts that violate these Terms or for other reasons, including:
- Violation of user conduct rules
- Non-payment of fees
- Suspected fraudulent activity
- To protect the safety of minors
12. Changes to Terms
We may modify these Terms from time to time. We will notify users of significant changes via email or through the Service. Continued use after changes constitutes acceptance of the new Terms.
13. Children's Online Privacy
We comply with applicable children's privacy laws, including COPPA. We do not knowingly collect personal information from children under 13 without verified parental consent. Our platform is designed so that students use anonymous share codes and provide no personal information.
14. Accessibility
We strive to make our Service accessible to users with disabilities and will work to address accessibility concerns brought to our attention.
15. Governing Law
These Terms are governed by Singapore law, without regard to conflict of law principles. However, we comply with UK GDPR and EU GDPR requirements for users in those jurisdictions.
16. Contact Information
If you have questions about these Terms, please contact us:
Support
Postal Address
Fresh Online Pte Ltd
68 Circular Road #02-01
Singapore 049422
17. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
18. Address for Notices and Feedback
In regards to any legal communication relating to these Terms of Use, or any feedback, comment, complaint or notification of illegal or copyrighted content that may have been uploaded to our Services, please use the following contact information: