visnesscard
- The documents do not say whether your data trains AI.
- The documents do not say whether your data is used for ads.
- The documents do not say whether your data is sold or shared.
- The documents do not say who can read your content.
A 12-month prepaid virtual-card subscription with as-is service, , and a broad license on some content.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
Collected
The documents do not say what personal data they collect.
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Terms of service
“The website is designed to inform visitors as to the products available, the pricing for those products and to facilitate the purchase of a subscription”
Training
They use your card content to host and promote your virtual cards; AI training is not mentioned.
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Terms of service
“the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services is for the sole purpose of providing and promoting the specific area”
Sharing
Card content on public areas can be shown to anyone; they do not say who else sees your data.
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Terms of service
“Those areas which may be deemed “publicly accessible” areas of VDS’s sites and/or Visness Cards are those such areas of our network properties which are meant to be available to the general public”
Kept
The documents do not say how long they keep your information.
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Terms of service
“VDS shall not assume any responsibility or obligation for the timeliness, missed delivery, deletion and/or any failure to store user content, communication or personalization settings.”
Controls
Cancel a subscription only in writing at least 30 days before the next bill; no privacy controls are listed.
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Terms of service
“I agree to notify the business in writing of any changes in my account information or termination of this authorization at least 30 days prior to the next billing date.”
Fine print
Twelve-month minimum billing, as-is service, you them, and Colorado courts decide disputes.
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Terms of service
“I understand that cancellations are permitted, however all subscriptions run for a minimum period of twelve months and I understand that payment for twelve consecutive months is required”
Expand “Read the exact line” to see the source alongside the explanation.
What you can turn off
The controls and opt-outs their own documents describe, and where they say to find them.
Cancel billing in writing 30 days before the next charge
Notify the business in writing (terms: subscription terms; contact service@visnesscard.com or 1011 W Powers Avenue, Littleton, CO 80120)
Stop using the service if you reject updated terms
Terms of Service: continued use after posted updates is acceptance
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
You must pay for a full year even if you want to stop sooner.
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Terms of service
“all subscriptions run for a minimum period of twelve months and I understand that payment for twelve consecutive months is required to subscribe to the Visness Card service.”
For example, if you cancel after two months, they still expect the remaining ten months paid.
They want you to promise not to charge back payments that match these terms.
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Terms of service
“I certify that I am an authorized user of this credit card and that I will not dispute the payment with my credit card company, so long as the transaction corresponds to the terms indicated.”
For example, if you think a yearly charge was unfair, they still say you should not open a card dispute.
If someone sues them because of your content or your use of the site, you may have to pay their legal bills.
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Terms of service
“All users herein agree to insure and hold VDS, our subsidiaries, affiliates, agents, employees, officers, partners and/or licensors blameless or not for any claim or demand, which may include, but is not limited to, reasonable attorney fees”
For example, if a photo on your card leads to a lawsuit, they can ask you to cover their lawyer costs.
For some content, they take a lasting license they can pass to others, not just while you are a member.
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Terms of service
“For any other content submitted or made available for inclusion on the publicly accessible areas of VDS’s sites and/or Visness Cards, the continuous, binding and completely license which is meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and/or publicly display said content”
For example, text you put in a public area could be reused or sublicensed even after you leave.
They can change or shut off the service anytime and do not have to warn you first.
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Terms of service
“VDS shall reserve the right at any time it may deem fit, to modify, alter and or discontinue, whether temporarily or permanently, our service, or any part thereof, with or without prior notice.”
For example, your hosted card could go offline overnight with no email.
They do not promise the site will work, be safe, or keep your content.
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Terms of service
“OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN “AS IS” AND/OR “AS AVAILABLE” BASIS. VDS AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ANY AND ALL OF ANY KIND”
For example, if your card is down during a sales meeting, they say they are not responsible.
If they change the rules and you keep using the site, you are treated as having agreed.
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Terms of service
“Your continued use of the Services provided, after such posting of any updates, changes, and/or modifications shall constitute your acceptance of such updates, changes and/or modifications”
For example, a new fee rule posted on the site could bind you the next time you log in.
You have only one year to sue, even if the law would give you longer.
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Terms of service
“any claim or action arising out of or related to the use of our Services or the TOS must be filed within 1 year(s) after said claim or cause of action arose or shall be forever barred.”
For example, if you discover a billing problem 14 months later, they say the claim is too late.
For photos and similar card content, their display license ends when you stop being a member.
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Terms of service
“This license shall be available so long as you are a member of VDS’s sites, and shall terminate at such time when you elect to discontinue your membership.”
For example, after you cancel, they say they no longer have that license to show those photos.
You sue in Colorado courts.
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Terms of service
“any and all claims, causes of action and/or disputes, arising out of or relating to the TOS, or the relationship between you and VDS, shall be filed within the courts having within the County of Douglas, Colorado”
For example, a billing fight would go to court in Douglas County, Colorado.
Words to know
Legal words from the lines above, in plain English.
- affiliates
- Other companies owned by or connected to the same parent company. For example, if you use one app, its sister apps under the same owner may also get your data.
- limitation of liability
- A cap on what the company will ever pay you if something goes wrong, often only what you paid in the last year. For example, if a leak of your data costs you thousands, the most you may get back is a month's subscription fee.
- sublicensable
- The company can pass its rights over your content on to other companies without asking you. For example, an app can let an advertiser or a partner reuse your video under the licence you gave.
- as is
- You get the service in whatever state it is in, with no promise that it works or will keep working. For example, if the app deletes your photos by mistake, it is not promising to fix that or pay you back.
- warranty
- A promise that a product will work as described; most apps say they make no such promise at all. For example, if a paid feature never works on your phone, a no-warranty clause says that is your problem.
- governing law
- Which country's or state's laws are used to settle any dispute, no matter where you live. For example, a user in Ohio may find the terms are judged under California law.
How we got here · grade F · score 19/100 · 15 of 15 policy answers backed by a verified quote · 10 not stated
What does the app collect beyond what it needs to work?
Not stated in the documents.
Does it record your voice, face or body, and what happens to that?
Not stated in the documents.
Are your chats and uploads used to train AI models, and is that off by default?
Not stated in the documents.
Can employees or contractors read your conversations, and when?
Not stated in the documents.
Are you profiled or tracked for advertising?
Not stated in the documents.
Do they sell or share your data, and can you opt out?
Not stated in the documents.
What rights do they take over what you type and what the AI makes?
They say they do not own your content, but for some public content they take a continuous, fully sublicensable license. Other licenses end when membership ends.
How long do they keep your data after you delete it, and can you delete it in the app?
Not stated in the documents.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
Not stated in the documents.
Do they commit to basic security, and have they leaked data?
Not stated in the documents.
Is there a real age gate, and are teens protected?
Not stated in the documents.
Will they tell you when the rules change, and is the policy specific?
The terms are effective August 1, 2015. Keeping using the service after they post changes means you accept them.
Can they close your account without warning, and can you get your data out first?
They may change or discontinue the service with or without prior notice and are not liable for that.
If something goes wrong, who pays?
The service is as-is with a broad liability waiver, and you must indemnify them for claims tied to your content or use, including attorney fees.
Do subscriptions renew on their own, and can you get a refund?
Subscriptions require twelve consecutive months of payment. Cancel in writing at least 30 days before the next bill. Refunds are not described, and you agree not to dispute matching charges.
The terms are 3,536 words at a professional or legal expert level.
