Terms of Use

1. Introduction

Welcome to IDGO Ltd ("IDGO", "we", "our", or "us").

These Terms of Use ("Terms") govern your access to and use of the IDGO website, mobile application, IDGO Card products, smartcard features, account, and any related products or features made available by IDGO.

By accessing our website, creating an account, applying for an IDGO Card, purchasing an IDGO product, or using any part of our platform, you agree to comply with these Terms.

If you do not agree with these Terms, you must not access or use our website, products, or applications.

These Terms should be read together with our:

• Privacy Policy
• Cookie Policy
• Return & Refund Policy
• Any additional policies or legal notices published on our website.

2. About IDGO

IDGO Ltd is a company registered in England and Wales.

IDGO is the creator of the UK's first dual-sided Proof of Age, Proof of Identity, and Contactless Prepaid Smartcard. Our products are designed to provide a safer, more secure, and more convenient alternative to carrying valuable identity documents, such as passports and driving licences, for everyday identity and age verification.

Our products are intended to help individuals:

• Prove their identity when requested.
• Verify their age for age-restricted goods or services.
• Protect personal information by displaying only the information required for verification.
• Reduce the need to carry sensitive government-issued documents in everyday situations.
• Access contactless prepaid smartcard functionality where available.
• Manage their IDGO Card through the official IDGO mobile application.

The IDGO Card is designed for everyday identification and proof of age. Acceptance of the card remains at the discretion of the organisation or individual requesting identification unless otherwise required by law.

Where available, prepaid payment functionality may be provided through regulated third-party payment partners and may be subject to additional terms and conditions.

3. Eligibility

To apply for or use an IDGO product, you must:

• Be at least 18 years of age, or meet the minimum age requirements for the specific product with the consent of a parent or legal guardian where applicable.
• Provide complete, accurate, and up-to-date information throughout the application process.
• Successfully complete any identity verification requirements requested by IDGO.
• Comply with all applicable laws and regulations.

Business customers or organisations purchasing products on behalf of others confirm that they have the authority to act on behalf of their organisation.

We reserve the right to decline any application where eligibility requirements are not met or where we reasonably believe that providing our products may create legal, regulatory, or security risks.

4. Acceptance of These Terms

By using our website or purchasing an IDGO product, you confirm that:

• You have read these Terms.
• You understand your rights and responsibilities.
• You agree to comply with these Terms.
• You agree to any future updates published on our website.

If you continue to use our website or products after changes to these Terms become effective, you will be deemed to have accepted the updated Terms.

5. Changes to These Terms

We may amend these Terms from time to time to reflect:

• Changes in applicable laws or regulations.
• Improvements to our products.
• Changes to our business operations.
• Security enhancements.
• New features or functionality.

The latest version will always be available on our website.

Where changes materially affect your rights, we will provide reasonable notice where required by law.

Continued use of our products following the publication of updated Terms constitutes acceptance of those changes.

6. Definitions

For the purposes of these Terms:

"Account" means your registered IDGO user account.

"Application" means your request to purchase or obtain an IDGO Card.

"Card" means any IDGO Standard Card, Smart Card, Digital Card, or replacement card issued by IDGO.

"IDGO App" means the official mobile application provided by IDGO.

"Products" means all physical and digital products offered by IDGO, including IDGO Cards and related features.

"Website" means www.idgocard.co.uk and any associated domains operated by IDGO Ltd.

"User", "You", or "Your" refers to any individual or organisation accessing our website or purchasing an IDGO product.

7. Contact Information

If you have any questions regarding these Terms, you may contact us using the details provided on our website.

You can also contact us through the support channels listed within the IDGO App or via our official customer support email.

We aim to respond to all enquiries within a reasonable timeframe.

8. Creating an IDGO Account

To apply for an IDGO Card, you may be required to create an IDGO account through our website or mobile application.

When creating an account, you agree to:

• Provide accurate, complete, and current information.
• Keep your personal information up to date.
• Maintain the confidentiality of your login credentials.
• Notify us immediately if you suspect unauthorised access to your account.
• Use only one personal account unless expressly authorised by IDGO.

You are responsible for all activities carried out through your account until you notify us of any unauthorised use.

IDGO reserves the right to suspend or close any account containing false, misleading, or fraudulent information.

9. Applying for an IDGO Card

Applications for an IDGO Card are subject to our review and approval process.

Submitting an application does not guarantee that a card will be issued.

As part of your application, we may require:

• Your full legal name.
• Date of birth.
• Residential address.
• Contact details.
• A recent photograph that meets our published requirements.
• Government-issued identification.
• Proof of address.
• Additional supporting documentation where reasonably required.

You are responsible for ensuring that all information submitted is accurate and belongs to you.

Providing false information may result in:

• Rejection of your application.
• Cancellation of your order.
• Suspension of your account.
• Permanent refusal of future applications.
• Reporting to relevant authorities where required by law.

10. Identity Verification

To maintain the integrity of our products and help prevent fraud, IDGO operates identity verification procedures.

You agree that we may verify your identity using information you provide during the application process.

Verification may include:

• Document authentication.
• Facial image comparison.
• Age verification.
• Address verification.
• Electronic identity checks.
• Manual review by authorised personnel.

Where necessary, we may request additional documentation before approving your application.

Failure to complete identity verification may prevent us from issuing your IDGO Card.

IDGO reserves the right to refuse any application where we cannot verify an applicant's identity to our reasonable satisfaction.

11. Approval, Rejection and Cancellation of Applications

We reserve the right to approve or decline any application at our sole discretion where permitted by law.

Reasons for refusing an application may include, but are not limited to:

• Incomplete application information.
• Failed identity verification.
• Suspected fraud.
• False documentation.
• Security concerns.
• Regulatory obligations.
• Breach of these Terms.

If your application is declined after payment has been received, any refund will be handled in accordance with our Return & Refund Policy.

12. Issuing Your IDGO Card

Once your application has been successfully approved, we will arrange for your IDGO Card to be produced and delivered.

Estimated production and delivery times published on our website are provided for guidance only and are not guaranteed.

Delays may occur due to:

• Identity verification.
• Public holidays.
• Postal disruptions.
• Manufacturing delays.
• Events beyond our reasonable control.

IDGO shall not be liable for delays caused by third-party delivery providers or circumstances outside our control.

13. Using Your IDGO Card

Your IDGO Card is designed to provide a convenient method of proving your identity and age in everyday situations.

It may be used where accepted by businesses, organisations, employers, venues, retailers, or other third parties.

Acceptance of the IDGO Card remains at the discretion of the organisation requesting identification unless otherwise required by applicable law.

Possession of an IDGO Card does not guarantee acceptance in every circumstance.

Some organisations may require additional identification.

14. Proof of Age and Proof of Identity

The IDGO Card is intended to assist users in demonstrating:

• Their identity.
• Their age.
• Information required for verification.

The card is designed to minimise unnecessary disclosure of personal information by displaying only the information relevant to the purpose of verification.

IDGO does not guarantee that every organisation or individual will accept the card as proof of identity or proof of age.

Users remain responsible for complying with any legal identification requirements imposed by third parties.

15. Contactless Prepaid Smartcard Features

Certain IDGO products may include contactless prepaid smartcard functionality.

Where prepaid payment functionality is available, additional terms and conditions may apply.

The prepaid payment element may be provided or managed by an authorised third-party payment institution or regulated financial services provider.

Your use of prepaid payment features may also be subject to:

• Regulatory requirements.
• Anti-money laundering checks.
• Financial crime prevention measures.
• Spending limits.
• Card balance limits.
• Additional verification requirements.

Where there is any conflict between these Terms and the terms governing prepaid payment services, the terms relating specifically to the payment functionality shall take precedence.

16. Your Responsibilities

You agree to:

• Keep your card secure.
• Keep your account information accurate.
• Report any lost or stolen card without delay.
• Protect your login credentials.
• Use your card only for lawful purposes.
• Follow all instructions provided by IDGO.

You are responsible for any losses resulting from your failure to protect your account or card.

17. Prohibited Activities

You must not:

• Allow another person to use your card as their own.
• Alter, copy, or reproduce your IDGO Card.
• Tamper with any security features.
• Use fraudulent documents during the application process.
• Misrepresent your identity.
• Attempt to gain unauthorised access to our systems.
• Upload malicious software or harmful code.
• Use automated systems to interfere with our website.
• Reverse engineer our products or software.
• Use the IDGO Card for unlawful or criminal purposes.
• Use our products in a manner that could damage our reputation or compromise the security of other users.

Any breach of this section may result in:

• Immediate suspension of your account.
• Cancellation of your card.
• Refusal of future applications.
• Reporting to law enforcement or regulatory authorities where appropriate.

18. Lost, Stolen or Damaged Cards

You must notify IDGO as soon as reasonably possible if your card:

• Is lost.
• Is stolen.
• Has been damaged.
• Has been used without your permission.

Replacement cards may be issued subject to payment of the applicable replacement fee and completion of any required verification procedures.

IDGO is not responsible for losses arising from delays in reporting lost or stolen cards.

19. Prices and Payments

The prices of IDGO products are displayed on our website and are quoted in Pounds Sterling (£) unless otherwise stated.

All prices include VAT where applicable.

We reserve the right to change our prices at any time. Any changes will not affect orders that have already been accepted and paid for.

Payment must be successfully authorised before your order is processed.

We accept the payment methods displayed during checkout.

If your payment cannot be authorised or is reversed, we may cancel your order without liability.

20. Delivery

We will make reasonable efforts to dispatch your IDGO Card within the estimated timeframe shown during the ordering process.

Delivery times are estimates only and are not guaranteed.

We are not responsible for delays caused by:

• Postal or courier services.
• Customs or border inspections.
• Public holidays.
• Severe weather.
• Industrial action.
• Events beyond our reasonable control.

Risk in the physical card passes to you once it has been delivered to the address provided in your order.

21. Intellectual Property

All intellectual property rights relating to IDGO remain the exclusive property of IDGO Ltd or its licensors.

This includes, but is not limited to:

• The IDGO name.
• Logos.
• Trademarks.
• Product designs.
• Website content.
• Mobile applications.
• Images.
• Graphics.
• Videos.
• Software.
• Databases.
• Documentation.
• Marketing materials.

Nothing in these Terms grants you ownership of any intellectual property rights.

You may not copy, reproduce, modify, distribute, sell, publish, reverse engineer, or commercially exploit any part of our products or website without our prior written permission.

22. Privacy and Data Protection

Your privacy is important to us.

Our collection, use, storage, and protection of personal information are governed by our Privacy Policy.

By using our website or purchasing our products, you acknowledge that your personal information may be processed in accordance with our Privacy Policy and applicable UK data protection laws, including the UK GDPR and the Data Protection Act 2018.

23. Website Availability

We aim to keep our website and mobile application available at all times.

However, we do not guarantee uninterrupted availability.

Access may occasionally be suspended for:

• Maintenance.
• Security updates.
• System improvements.
• Technical issues.
• Circumstances beyond our reasonable control.

We will make reasonable efforts to restore access as quickly as possible.

24. Third-Party Websites

Our website may contain links to third-party websites or services for your convenience.

IDGO does not control or endorse these websites and accepts no responsibility for their content, availability, security, or privacy practices.

Your use of third-party websites is entirely at your own risk and subject to their own terms and policies.

25. Disclaimer

IDGO makes reasonable efforts to ensure that the information on our website is accurate and up to date.

However, we do not warrant that:

• The website will always be error-free.
• All information is complete or current.
• The website will be continuously available.
• Every organisation will accept the IDGO Card as proof of identity or proof of age.

Except where required by law, all products and information are provided on an "as available" and "as is" basis.

Nothing in these Terms excludes any statutory rights that cannot legally be excluded under the laws of England and Wales.

26. Limitation of Liability

Nothing in these Terms excludes or limits liability for:

• Death or personal injury caused by negligence.
• Fraud or fraudulent misrepresentation.
• Any liability that cannot lawfully be excluded under applicable law.

Subject to the above, IDGO shall not be liable for:

• Indirect or consequential losses.
• Loss of profit.
• Loss of business.
• Loss of revenue.
• Loss of reputation.
• Loss of data.
• Missed opportunities.
• Delays caused by third parties.
• Failure of organisations to accept the IDGO Card.
• Events beyond our reasonable control.

Our total liability arising from your purchase or use of an IDGO product shall not exceed the amount paid by you for the relevant product, except where applicable law provides otherwise.

27. Indemnity

You agree to indemnify and hold harmless IDGO Ltd, its directors, employees, contractors, affiliates, and partners against any claims, losses, damages, liabilities, costs, or expenses arising from:

• Your misuse of the website or products.
• Your breach of these Terms.
• Your violation of applicable laws.
• Your infringement of another person's rights.

28. Suspension and Termination

We reserve the right to suspend or terminate your account, cancel your card, or refuse future applications if we reasonably believe that:

• You have breached these Terms.
• You have provided false or misleading information.
• Fraudulent activity has occurred.
• Your actions create a security risk.
• We are required to do so by law or a regulatory authority.

Termination of your account does not affect any rights or obligations that arose before termination.

29. Force Majeure

IDGO shall not be liable for any failure or delay in performing its obligations where such failure results from events beyond our reasonable control, including:

• Natural disasters.
• Floods.
• Fires.
• Pandemics.
• Cyber attacks.
• Utility failures.
• Government action.
• Industrial disputes.
• War.
• Civil unrest.

Performance of our obligations will be suspended for the duration of the event.

30. Complaints

If you are dissatisfied with our products or customer service, please contact our Customer Support team using the contact details published on our website.

We will acknowledge your complaint and aim to resolve it fairly and within a reasonable timeframe.

Where appropriate, we may request additional information to investigate your complaint.

31. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales.

Any dispute arising from these Terms or your use of our website or products shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless applicable consumer protection laws provide otherwise.

32. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision shall be deemed severed from the remaining Terms.

The remaining provisions shall continue in full force and effect.

33. Waiver

Failure by IDGO to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision or any other provision at a later time.

34. Assignment

IDGO may transfer or assign its rights and obligations under these Terms to another organisation as part of a merger, acquisition, restructuring, or transfer of business.

You may not transfer or assign your rights or obligations under these Terms without our prior written consent.

35. Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, Return & Refund Policy, and any additional legal notices published on our website, constitute the entire agreement between you and IDGO regarding your use of our website and products.

They supersede any previous agreements, understandings, or representations relating to the same subject matter.

36. Contact Us

If you have any questions about these Terms of Use, please contact us using the details below.

Email: support@idgocard.co.uk

We aim to respond to all enquiries as promptly as reasonably possible.