In short: Palmcard suggests what to say on sales calls. You decide what you actually say. Plans renew monthly until you cancel, and you can cancel any time from your account. Tell people when you transcribe a call.
1. Who you're dealing with
These terms are an agreement between you and Studio Lab (studiolab.digital), Malta, the makers of Palmcard (“Palmcard”, “we”). By creating an account or using the app you accept them. If you use Palmcard for a company, you confirm you may accept these terms for it.
2. What Palmcard is
Palmcard is a macOS app with an online account. While you are on a call, it transcribes the conversation and suggests a next line based on the information you give it. It also prepares meeting briefs and call summaries. Suggestions are written by AI. They can be wrong, incomplete or unsuitable, so you are responsible for what you say and for any promise, price or claim you make to a customer.
3. Your account
- You must be at least 18 and give accurate details.
- Keep your password safe and tell us if you think someone else used your account.
- You can connect your own Macs to your account. Team members need their own seats.
4. Plans, call-hours and payment
- Basic: €9 per month, with 3 call-hours per billing month.
- Starter: €19 per month, with 10 call-hours per billing month.
- Pro: €149 per month, with 40 call-hours per billing month.
- Team: from €99 per seat per month, 30 call-hours per seat, by agreement.
- Founding members get 25% off for life. Extra call-hours: €10 for 5. The price you see is the price you pay.
- A call-hour is counted only while the app is listening to a call. Unused hours don't carry over to the next month.
- Extra hours are a one-off purchase and can be used until your plan next renews.
- Plans renew automatically every month and are charged in advance through Stripe, until you cancel.
- The founding-member discount applies for as long as your subscription continues without a break.
- The price shown is the full price you pay; no VAT is added at the moment. If VAT ever has to be added, we'll email you at least 30 days before it applies.
- If a payment fails we'll retry it. If it still fails, your plan pauses until it is paid.
- We may change prices. We'll email you at least 30 days before a change applies to you, and you can cancel before then.
5. Cancelling and refunds
You can cancel any time under Account > Manage billing. Your plan stays active until the end of the month you paid for, then stops. We don't refund part-months or unused hours, except where the law requires it.
Consumers in the EU: you normally have 14 days to withdraw from an online purchase. Because Palmcard starts working as soon as you subscribe, you ask us to begin straight away and accept that, once you've used the service, you only get back the part of the price for the time left. Email prashant@studiolab.digital within 14 days to use this right.
6. Using Palmcard properly
You agree not to:
- transcribe a call without telling the other people, or where the law requires their consent and you don't have it;
- use Palmcard to deceive, pressure or mislead people, or to make claims you know are false;
- break the law, including data protection, consumer and telecoms law;
- reverse-engineer, resell or share the app or your account, or try to get around the call-hour limits;
- overload, attack or interfere with our services.
We may suspend accounts that break these rules. Where reasonable, we'll warn you first.
7. Your content and outside services
Your transcripts, notes and documents are yours and stay on your Mac. You give us only the rights we need to run the service. The app uses transcription and AI services (such as Deepgram and the AI provider you pick) under your own keys and accounts. Their terms apply to that use and we're not responsible for them. See our privacy policy.
8. Availability and changes
We work to keep Palmcard running but can't promise it will always be available or error-free, for example if an outside service is down. We may improve or change features. If we remove something important you paid for, you can cancel and get a refund for the unused part of the month.
9. Liability
Nothing in these terms limits liability that the law does not allow us to limit, including for death or personal injury caused by negligence, fraud, or your rights as a consumer. Otherwise, we are not liable for lost profits, lost deals or indirect loss, and our total liability in any 12 months is limited to what you paid us in those 12 months.
10. Ending the agreement
You can close your account any time by cancelling your plan and emailing us. We can end these terms with 30 days' notice, or straight away if you seriously break them. Sections 7, 9 and 11 keep applying after that.
11. Law and disputes
These terms are governed by the law of Malta. The courts of Malta decide disputes, but if you are a consumer you keep the protection of the law of the country where you live and can bring a claim there.
12. Contact
Questions: prashant@studiolab.digital.