This Agreement is accepted exclusively through the clickwrap mechanism on the registration screen: ticking the Terms of Service checkbox and submitting the registration form. This single action constitutes the Client's full and informed consent. No "first use" or implied acceptance applies — only explicit checkbox consent.

By accepting, the Client represents that they are: (a) at least 18 years of age, (b) legally competent to enter into binding contracts under Philippine law, and (c) registering for legitimate professional or business purposes.

Visitors who submit their information via the vCard Exchange Form are subject to the separate Visitor Privacy Notice displayed on the Exchange Form at the point of submission — not this Client Agreement.

Upon successful registration, the Client receives a permanent ATH•NA ID (e.g., ATH-000000001) and a system-generated 6-digit PIN. These credentials are displayed once at registration and must be saved immediately by the Client. ATH•NA does not store PIN values in recoverable form.

ATH•NA cannot recover a lost PIN. If the Client loses their PIN, the account is inaccessible. The Client acknowledges this limitation and accepts sole responsibility for credential custody.

The Client may change their PIN at any time via Tag → Change PIN, provided they can authenticate with the current PIN. Each ATH•NA ID is unique, permanent, non-transferable, and tied to one (1) individual Client only.

The Client is solely responsible for all activity occurring under their ATH•NA ID. Any suspected unauthorized access must be reported immediately to phpx.migratex@gmail.com.

Payment Process: All payments are made via manual bank transfer or e-wallet (GCash, BPI, Security Bank, PS Bank, Maya, GoTyme, Netbank, or CIMB Bank). The Client must submit their transaction reference number via the in-app payment form. License activation is manual and subject to ATH•NA's verification.

All fees are quoted in Philippine Peso (₱) and exclusive of applicable government taxes. ATH•NA reserves the right to adjust pricing with 30 days advance notice. Price changes do not apply retroactively to active Lifetime licenses.

📇 Digital vCard — Shareable NFC/QR business card with contact exchange form, .vcf download, booking request, and social links.

👥 Address Book — Contact management with tagging, social profiles, and .vcf export.

📅 Upcoming / Calendar — Meeting scheduler with list and calendar view.

🏷 Tag & Profile — Owner profile management, social links, and account settings.

Not Included & Not Guaranteed: ATH•NA is not a licensed financial advisor, accountant, or legal consultant. The Financial Tools are organizational aids only. ATH•NA does not guarantee uptime, data persistence, or error-free operation.

ATH•NA grants the Client a limited, personal, non-exclusive, non-sublicensable, non-transferable, revocable license to access and use the System solely for their own professional purposes during the active License period.

Strictly prohibited: sharing or transferring the ATH•NA ID; reverse-engineering or decompiling the System; copying or cloning ATH•NA's design or codebase; using one License for multiple users; circumventing license verification.

Each License covers one (1) ATH•NA ID for one (1) individual Client.

The Client retains full ownership of all OS Data and Visitor Data. ATH•NA does not claim any ownership over Client or Visitor data.

The Client is strongly advised to use the Full Backup and Export CSV features regularly. ATH•NA does not sell, rent, or share Client or Visitor data with any third party.

8.1 Governing Law — All personal data processing is governed by the Data Privacy Act of 2012 (RA 10173), its IRR, and applicable NPC Circulars.

8.2 Roles — ATH•NA is the Personal Information Processor (PIP) for Client account data. The Client is the Personal Information Controller (PIC) for all Visitor Data collected through the vCard Exchange Form, and assumes full legal responsibility for lawful collection and use of that data.

8.3 Data Collected — From Clients: name, position, company, mobile, email, LinkedIn, ATH•NA ID. From Visitors: name, title/company, email, mobile. ATH•NA does not use cookies, tracking pixels, or third-party analytics SDKs.

8.4 Visitor Consent — Visitors are shown a consent notice before submitting their info and retain rights under RA 10173 (Access, Correction, Erasure, Objection, Portability, and to lodge a complaint with the NPC).

8.5 Data Security — In the event of a data breach, ATH•NA will notify the affected Client within 72 hours of discovery.

8.6 Client Obligations — The Client agrees to collect minimal data, use it only for legitimate networking, never sell or share it, and respond to data subject requests within 15 business days.

Strictly prohibited and may result in immediate termination without refund: spam, phishing, scamming, or impersonation; collecting Visitor data without consent notice; using Financial Tools for illegal activity or money laundering; injecting malicious code; and any use violating RA 10175, RA 8484, or RA 10173.

The ATH•NA name, brand, logo, vCard design, OS interface, and source code are the exclusive intellectual property of ATH•NA, protected under RA 8293. The Client retains full ownership of their profile information and OS Data. This Agreement transfers no IP rights to the Client.

ATH•NA is not a licensed financial institution, accounting firm, or financial advisor. The Financial Tools are personal organizational aids only and are not substitutes for professional accounting, tax filing, or financial planning. The Client is solely responsible for the accuracy of their financial data and compliance with BIR requirements.

Support is available via phpx.migratex@gmail.com, Monday–Friday, 8:00 AM–5:00 PM PST, excluding public holidays. Target first response: 24–48 business hours. Support does not cover PIN recovery, financial advice, or third-party service outages.

The System is provided "as-is" without warranties of any kind. Maximum aggregate liability cap: ₱9,999 — regardless of plan type or amount paid. This does not limit liability for gross negligence, fraud, or anything that cannot be excluded under Philippine law.

ATH•NA may terminate without cause with 30 days' notice — pro-rated refund for Monthly, full ₱9,999 refund for Lifetime holders in the event of platform-wide discontinuation.

ATH•NA is not liable for delays caused by circumstances beyond its reasonable control — natural disasters, government actions, internet/power outages, third-party platform failures, or pandemics. License periods are not automatically extended for such events.

Amendments — Material changes require 30 days' notice via email. Continued use after the effective date constitutes acceptance.

Governing Law — This Agreement is governed by the laws of the Republic of the Philippines; proper venue is the courts of Pasig City, Metro Manila.

Dispute Resolution — Direct negotiation (15 days) → formal written demand (15 days) → mediation (30 days) → litigation in Pasig City courts.

This Agreement is the entire understanding between the parties. If any provision is invalid, the rest remains in effect (Severability).