PRIVACY POLICY

and

TERMS AND CONDITIONS

for the Use of gardy Services

1. Definitions and Parties Involved

1.1. gardy Platform – The digital system operated by gardy S.R.L., a company registered in the Republic of Moldova, which provides the technological infrastructure for transmitting emergency calls and coordinating mobile intervention teams, in collaboration with licensed security and protection companies.
1.2. gardy Application – The mobile application for individual customers, available on Android/iOS devices, which allows users to initiate emergency calls via the SOS function and manage their personal account information.
1.3. Conflict Call – A justified request for intervention aimed at stopping or deterring a real dangerous situation for the user, through verbal or physical de‑escalation of the conflict, or, where applicable, by restraining the aggressor and handing them over to the police, within the limits provided by Law No. 283/2011 on the activities of security agents and private detectives.
A call is classified as a Conflict Call if any of the following apply:
·       Upon arrival, the intervention team identifies persons involved in a conflict or clear signs of aggressive or violent behavior towards the user;
·       The aggressor has left before the team’s arrival, the call has not been cancelled by the user, and the police have subsequently been called with an official report drafted;
·       The call is cancelled before the team’s arrival because the aggressor fled and the user no longer considers intervention necessary.
Important: In a Conflict Call, the service covers only the intervention to stop or de‑escalate the conflict and the temporary presence of the team at the scene with the user—including waiting for police arrival, documenting the situation, or assisting the user until they enter a taxi. Escorting the user to another location is not included.
Charges outside monthly coverage: In the Smart Insurance Plan, the first two Conflict Calls per month are included (non‑transferable between months). From the third call in the same month, a fee of MDL 400 per Conflict Call applies. In the Pro Insurance Plan, all Conflict Calls are charged individually at MDL 400 each. Users without an active subscription pay MDL 1,400 per Conflict Call (standard single‑intervention rate).
1.4. Escort Call – A request for intervention made by the user in the absence of a direct or immediate threat, to provide a deterrent presence and a sense of safety by accompanying the user to a location considered safe.
A call is classified as an Escort Call if all of the following are met:
·       No aggressive person is identified upon arrival and no signs of conflict or imminent danger are observed, or any prior conflict has already been resolved/de‑escalated by the team and the user requests escort as an additional safety measure;
·       The call is not cancelled before the team’s arrival;
·       The user explicitly requests to be accompanied for more than 200 meters from the call location, either on foot or by vehicle;
·       The distance from the intervention point to the destination does not exceed 5 km, and the total duration does not exceed 30 minutes.
Fees: Within the 5 km / 30 min limit—fixed fee: MDL 600. Over 5 km or 30 min—hourly rate: MDL 900/hour, billed proportionally. Escort Calls are additional services and are billed separately according to the active plan and the rates displayed in the app.
1.5. False Call (Chargeable) – Any unjustified use of the SOS button without any real danger or legitimate request for protection, in circumstances indicating abuse or negligence by the user.
A call is classified as False if any of the following apply:
·       Upon arrival, no aggressor is found, no signs of conflict are observed, and the user does not request escort;
·       The call was not cancelled despite no longer being justified, and the user refuses assistance or cooperation;
·       The user is under the influence of alcohol or other substances, or behaves inappropriately, hostilely, or mockingly towards agents;
·       The user is identified as the initiator or provocateur of the conflict (aggressor) rather than the victim, and uses the service abusively, including to intimidate or threaten another person;
·       The call was made with the intention of misleading, manipulating, or intimidating another person in a non‑urgent context.
False Calls incur a financial penalty of MDL 400, as displayed in the app. Two consecutive unpaid false calls (treated as Escort Calls) may result in permanent account suspension.
1.6. User / Client – Any natural person who downloads the gardy application, creates an account, and uses the services provided through the platform. Using the services implies full acceptance of these Terms and Conditions.
1.7. Third‑Party Connected User – A natural person who receives access to the gardy application based on a contract concluded between gardy and a Commercial Partner (e.g., security company, subscription broker), without a direct contractual relationship with gardy.
1.8. Shared Account (Family / Business) – A primary account associated with an adult who adds other users (minors, family members, employees) under their legal responsibility. All associated users are treated as beneficiaries of the service, but legal responsibility lies with the holder of the primary account.
1.9. Partner Security Company – A legally registered, licensed security company that collaborates with gardy under a separate contract to provide on‑site interventions at the request of platform users.
1.10. Mobile Intervention Team – Operational personnel of the security company dispatched to the client’s location to defuse a conflict or emergency, in line with the intervention plan established by the platform and the security company.
1.11. SOS Button – The core functionality of the client application that, through a single press, transmits the user’s location and relevant information to the gardy application installed in all dispatch centers of security companies active in the user’s geographic area. The call triggers allocation of an intervention team, automatically or manually, depending on settings established by the platform and local partners.
1.12. Intermediary Partner (Broker) – A third‑party entity (natural or legal person) that intermediates user access into the gardy ecosystem, offering a direct (offline) contract with a partner security company.
1.13. Offline‑contract Clients – Users who have signed a paper contract with a partner security company, outside the gardy application. These clients use the application based on a prior agreement, and the signed contract prevails in their relationship with that company. However, by using the app, they accept these Terms and Conditions in their relationship with the gardy platform.
1.14. Dangerous Situation – Any circumstance perceived by the user as a direct or imminent threat to their personal safety (physical or psychological), such as: conflict, being followed, harassment, attempted aggression.
1.15. gardy Service – The totality of functionalities offered through the gardy platform, including the mobile application, dispatcher interface, location systems, communication, and dispatch of intervention teams, as well as integration with licensed third‑party partners. The service may be accessed via the gardy application by users with a valid account.
1.16. Abusive Use of the SOS Button – Any triggering (including repetitive) of the SOS function for purposes contrary to the intended use of the gardy service as defined in these Terms. Examples include: triggering without a real threat and without an intent to request protection or escort; using the button to intimidate or manipulate others; repeated calls while intoxicated or under psychoactive substances; non‑cooperative or hostile behavior toward teams; initiating the conflict to misuse the team’s intervention; refusal to cooperate or unjustified refusal to cancel a call.
1.17. Privacy/Data Handling - All data related to Conflict Calls and Escort Calls—including location, timestamps, audio/video communications where available, and operator notes—are processed solely to provide and improve the gardy service, for fraud prevention, service analytics, and dispute resolution. Such data will never be sold and will not be shared with third parties for their own marketing purposes without the user’s explicit opt‑in consent.
1.18. SMS/Push Messaging - gardy may send transactional SMS or push notifications to confirm account creation, verify phone numbers, deliver security alerts, communicate intervention status, or inform about subscription changes. Marketing SMS/push notifications are sent only with prior opt‑in consent, and users can opt out at any time via in‑app settings. Message frequency varies. Standard carrier rates may apply.

2. Object of the gardy Service

2.1. gardy provides a digital rapid‑intervention solution for situations of conflict, danger, or perceived insecurity, accessible via the mobile application.
2.2. By pressing the SOS button, the user requests the intervention of a mobile security team to stop or prevent a conflict. The service is provided exclusively for personal protection and does not replace emergency calls to the police, ambulance, or other public authorities.
2.3. Interventions are carried out by partner security companies, subject to geographic availability, estimated reaction time, and team workload. gardy is not the employer of field agents and does not perform interventions through its own personnel.
2.4. In certain cases, the client may opt for additional services (e.g., escort, calling the police, escort to a safe place), if available in the relevant area.
2.5. gardy provides the technological infrastructure (servers, applications, dispatcher, mapping/traffic integrations) and cannot guarantee a fixed intervention time. The platform undertakes to promptly and fully transmit all call data to the designated security company.

3. Eligibility and Responsibility for Submitted Data

3.1. Any person may create an account in the application who either (i) is 18 years old; or (ii) has been added to a Family‑type account by an adult having legal authority to represent them in using the service.
3.2. The user undertakes to provide accurate and updated data in their account (e.g., name, location, frequent addresses, physical description, emergency contacts). These are essential for rapid and correct identification of the caller during an intervention. gardy, as data controller, will facilitate rectification or deletion of inaccurate data at the user’s request or when evident discrepancies are identified, in compliance with GDPR and applicable Moldovan law.
Inaccurate, outdated, or incomplete information may negatively impact the ability of intervention teams to act effectively.
3.3. Banking data (card number, holder name, expiry date, IBAN, CVV) are not collected or stored by gardy. All payments are processed exclusively by authorized providers (e.g., Stripe, Paynet) compliant with PCI‑DSS and electronic payments legislation.
3.4. gardy does not own physical servers and does not store data on paper. All personal data collected through the application (e.g., name, image, location, emergency contacts) are stored in secure cloud infrastructure provided by DigitalOcean Inc., within a data center located in Germany (EEA), corresponding to the region selected by the controller. DigitalOcean acts as a processor under GDPR and Moldovan law, based on a data processing agreement with gardy.
3.5. Data Minimization & Retention: gardy applies data‑minimization principles and retains personal data only as long as necessary for contract performance, legal obligations, or legitimate interests (security, fraud prevention, service analytics). Specific retention periods are listed in Section 9. Where retention periods expire, data are securely deleted or anonymized.
3.6. Security Measures: gardy implements appropriate technical and organizational measures (including encryption in transit and at rest where applicable, access controls, role‑based permissions, audit logs, and regular backups) to protect personal data against unauthorized access, alteration, disclosure, or destruction.

4. Account Creation, Account Types, and Third‑Party Partners

4.1. To access the gardy Service, the user must create a personal account and provide the following personal data: name and surname (mandatory); valid phone number (mandatory); image for identification (mandatory); optional physical characteristics; frequent addresses; vehicle data; one emergency contact (mandatory). Incomplete or inaccurate mandatory fields may limit intervention effectiveness. Mandatory fields are necessary to perform the contract; optional fields are collected only with explicit user choice.
4.2. Registration in the platform implies acceptance of these Terms and Conditions.
4.3. A user may obtain access to paid gardy services by (i) purchasing a plan directly in the mobile app; or (ii) receiving access from a security company or authorized broker under a direct offline contract with them.
4.4. The Commercial Partner provides gardy with initial identification data for Third‑Party Connected Users (name, phone, email). The user receives a unique link to access the app, accept these T&C, and complete the in‑app profile with mandatory data.
4.5. Where access is provided by a partner (security agency or authorized broker), the user may benefit from services contracted directly with that company under a separate agreement. In this case, the gardy platform acts solely as an IT intermediary for call transmission, and the partner company is responsible for service quality, conditions, and prices to the user as per their contract. Between the user and the partner company, the signed contract prevails. Between the user and the gardy platform, these T&C apply only insofar as the service is used directly by the user through individual in‑app purchase.
4.6. Commercial Partner Responsibilities. The partner attracting users into gardy must: (i) sign a direct contract with the end user; (ii) fully inform the user about the service and its conditions; (iii) obtain lawful consent for data processing; and (iv) manage the contractual relationship and financial obligations with the user.
4.7. Prevalence of Contracts. (a) Use of the gardy app entails acceptance of these T&C, including by Third‑Party Connected Users. (b) If there is a conflict between the Third‑Party Connected User’s contract with the Partner and this document, the contract with the Partner prevails; obligations towards gardy lie with the Partner.
4.8. gardy reserves the right to verify contact data provided and to temporarily suspend access in case of identity concerns, breaches of these T&C, or other activities contrary to law.
4.9. Processors & Sub‑processors: Where gardy engages third‑party processors (e.g., hosting, messaging, analytics, payment, communications), each is bound by a written data processing agreement ensuring GDPR‑level protections, confidentiality, and security. Sub‑processor changes will be reflected in an updated list available upon request.

5. Use of the SOS Button – Rules and Responsibility

5.1. Pressing the button automatically transmits: name and surname; valid phone number; image for identification; location data (GPS or location indicated by user in comments); optional physical characteristics; frequent addresses; vehicle data; emergency contact; the client’s location during the call; and any optional user comment.
5.3. The user agrees (i) not to abuse the SOS button, (ii) not to make intimidating calls, (iii) to provide accurate location information via GPS, manual comment to the agent, or from the registered profile, and (iv) to answer team phone calls after triggering, unless an impediment beyond the user’s control exists.
5.4. If the SOS button is activated and the user cannot be located, does not answer, or no additional data is available, the team will try emergency contacts; absent any leads, the police may be notified for a potentially endangered or missing person.
5.5. If the call takes place in a private space (e.g., apartment, yard, office, private property), the intervention team will not enter except as permitted by law. The team may ask the client to step into a publicly accessible space; if the client declares danger and cannot exit and access is restricted, the team will immediately notify competent authorities without forced entry. The team is not responsible where legal access is not possible.
5.6. The gardy Service becomes active only after the user: (a) validates their phone number via SMS code; (b) selects a subscription—individual or corporate; (c) confirms reading and acceptance of these T&C; (d) adds a valid payment method for individual subscriptions; (e) completes mandatory personal data; (f) grants location access (while using the app at minimum; permanent location access is optional for optimal reaction time); (g) if payment has not been effected within 10 calendar days of invoicing, the SOS button becomes inactive until payment; (h) the service may be temporarily restricted for non‑payment or abusive use (two unjustified consecutive calls within six hours). Service resumes automatically after remedy (e.g., payment) or following assessment by the gardy team.
5.7. Operational Messages: To enable 5.6(a) and 5.6(f), gardy will send verification and operational messages (e.g., one‑time passwords, location permission prompts, service status) via SMS and/or push. These are strictly transactional and necessary to perform the contract.

6. Tariff Plans and Automatic Modifications

Registration, subscription purchase, profile completion, and triggering the SOS button are available 24/7. Customer support processing and scheduling of test SOS calls operate Monday–Friday 08:30–17:30; weekends and public holidays are non‑working, with processing the next business day.
Payment is made at the rates displayed in the gardy app. Payment options: (i) online bank card via the secure payment page of BC MoldovaAgroindbank S.A. (VISA/MASTERCARD supported; if the card currency differs from MDL, conversions occur at the issuing bank’s exchange rate); or (ii) via gardy partners. gardy does not store any card details.
Refunds do not apply to subscription payments where the services have been activated and available to the beneficiary under the contractual conditions. Refunds are granted only in exceptional cases such as erroneous or duplicate debits due to technical error, or explicit cancellation within one calendar day of payment for justified reasons assessed by the gardy team. Bank processing of refunds may take up to 30 calendar days. Invoices and payment notices are sent by email to the address provided at registration.
Estimated Reaction Time: 3–10 minutes within listed city areas (open spaces); up to 15 minutes within suburbs; 3–30 minutes in buildings/offices or moving locations due to identification time.
6.1. The user may choose between the plans set out in Annex 1 of these T&C.
6.2. Tariff Plan Change. If, during an intervention, the security team finds that the service is used for commercial purposes (e.g., deliveries, passenger transport, public‑facing activities with recurring conflict risk), gardy will notify the user that the current plan does not match actual use. Within five business days, the user may: (i) accept switching to ProInsurance effective the following month; (ii) keep the current plan while expressly agreeing not to use the service for commercial purposes; or (iii) close the account without penalties. Absent a response, the change is deemed tacitly accepted effective the next billing cycle. If the user keeps the current plan but continues commercial use, all interventions in that context will be charged individually under ProInsurance rates without Smart Insurance allowances.
6.3. The user is informed of plan changes by email or in‑app notification and may contest within seven days.
6.4. Billing Notifications: gardy may send transactional emails/SMS/push regarding invoices, failed payments, plan changes, and important account notices. These are necessary to perform the contract and for compliance obligations.

7. Service Limitations and Liability Exclusions

7.1. gardy provides an alerting and communications infrastructure between the user and Partner Security Companies via the gardy platform.
7.2. gardy provides estimated reaction and arrival times; intervention teams act with highest priority upon receiving an alert subject to team availability, traffic, distance, and technical conditions. Typical estimated intervention windows range from 3 to 30 minutes depending on city and team density. In exceptional cases (e.g., simultaneous surges, traffic blocks, technical outages), gardy will inform the user of delays via available channels.
7.3. Where the user does not provide a clear and precise location, cannot be contacted, emergency contacts provide no useful details, or access to the location is objectively impossible (e.g., secured or inaccessible premises), intervention may be delayed or impossible, and the team must inform authorities (police) if the person’s safety is at risk. gardy will use reasonable efforts to ensure an effective intervention within technical and operational limits.
7.4. gardy may restrict access for repeated false calls (minimum three confirmed false calls within 60 days), explicit refusal to pay extra calls or invoices over 30 days overdue, illegitimate uses (intimidation, panic, use against others), or serious breaches of contract or law. Single false calls result in notification and billing without immediate restriction; restrictions apply only in case of recurrence or refusal to cooperate, with prior notice by email or SMS.
7.5. Interventions are carried out by partner security company teams. gardy remains the principal service operator and is contractually responsible to the user within its assumed obligations; partner companies act under contracts with gardy and follow uniform intervention standards and applicable law. The gardy platform is a private alert network facilitating interventions. It is not a guarantee of physical protection or property integrity; it does not substitute police, ambulance, or other public authority services; and it is not life or property insurance. gardy is not liable for delays due to traffic, weather, road works, logistical blockages, or temporary team unavailability; for bodily injuries, material losses, or thefts resulting from delayed or failed interventions; for incidents caused by third parties or the user; or for inaccessible locations for technical, legal, or physical reasons. gardy will exercise reasonable diligence to provide prompt and effective interventions within operational capacity but cannot guarantee fixed reaction times in all contexts. In case of illegal or abusive conduct by field agents, gardy will cooperate with authorities and support the client, including by sanctioning or replacing the partner involved.
7.6. During interventions, partner security agents may record audio and/or video using body‑cams to protect the user, document the intervention, and prevent incidents. Such recordings may be uploaded to the gardy platform, associated with the call, and stored on secure servers under applicable law. They may be used solely to clarify the call and intervention, resolve complaints or disputes, or be provided to authorities upon lawful request. Security companies remain responsible as controllers or processors for the recording operations.
The user is informed through this document that interventions may be recorded and hereby consents to such recording upon service activation. Consent may be withdrawn at any time, including during an intervention, with immediate effect and only for that call, without affecting the lawfulness of prior recordings.
7.7. gardy is responsible for interventions performed through the platform and its contractual partners within the scope of assumed responsibilities and legal obligations. gardy cannot be held liable for incidents occurring outside the direct intervention of the team (e.g., before arrival or after departure), except where it is demonstrated that the team acted with gross negligence or breached contractual obligations. Lack of cooperation by the user includes, without limitation: intentional provision of false or incomplete data; refusal to communicate location; staging emergencies; hostile actions against agents; or unjustified blocking of team access.
7.8. Service Limitations. gardy has no direct contractual liability to Third‑Party Connected Users for any non‑performance by the Commercial Partner.

8. Contract Changes and User Notification

8.1. gardy may amend these T&C as the service evolves, to reflect legal or commercial adjustments.
8.2. Material changes will be notified in advance to users via email (where provided), in‑app notice, or by publishing the new version on the official site.
8.3. The user may refuse the new conditions within 10 days of notice by deleting the account or deactivating the subscription.
8.4. Continuing to use the service after the effective date constitutes tacit acceptance of the new terms.

9. Processing of Personal Data

9.1. Data Controller: gardy S.R.L., tax ID 1019600031733, registered office: str. Spartacus 11/1, Chișinău, Republic of Moldova. Contact for data protection queries: [email protected]. Data Protection Officer (DPO): Ion Mirzac – [email protected]. Processors: Licensed partner security companies and dispatch centers act as processors under GDPR and Moldovan Law 133/2011 pursuant to data processing agreements. (Illustrative list: Prosecutor SRL; Justar SRL; Legion Group SRL; Top Security SRL; Clim&Alex SRL.)
9.2. Data Collected: Identification (name, surname, photograph – mandatory); optional physical characteristics; contact data (phone – mandatory; email optional); GPS location (in real time only upon pressing SOS – mandatory); frequent addresses (optional); emergency contacts (mandatory); call and app‑usage history (mandatory); subscription type (mandatory); audio/video recordings of interventions where activated (mandatory for that call).
9.3. Purposes and Legal Bases: We process data strictly for (a) contract performance (service delivery); (b) legal obligations (e.g., data retention where required); (c) gardy’s legitimate interests (fraud prevention, service improvement); and (d) explicit consent (e.g., body‑cam recordings).
9.4. Detailed Purposes & Retention: Names—identify the user during SOS (contract; retained for account duration + 5 years). Image/physical characteristics—visual confirmation at intervention (consent; up to 12 months). GPS location—user localization in emergencies (contract; real‑time only, not stored). Phone/email—rapid contact in critical situations (contract; kept for account duration; telephone number for payments may be retained under legitimate interest for identification and abuse prevention). Frequent addresses—optimize intervention (consent; account duration + 5 years). Emergency contacts—alternative notification (consent; until account deletion). Data during SOS calls—transmission to security company (contract; up to 2 years). Location & contact data shared with agent—facilitate intervention (contract; for the duration of the call). Billing data (subscription ID, invoices, amounts)—billing (legal obligation + contract; 5 years). Call/intervention history—audit, abuse prevention, service improvement (legitimate interest; up to 2 years). Payment token and last 4 digits (full card data are not stored)—payment processing (contract; until subscription cancellation; token ≤ 24 months). App telemetry—functional improvement (legitimate interest; 24 months). Audio/video—risk clarification and agent training (consent + legitimate interest; up to 12 months).
9.5. Storage Location: All personal data are stored in secure cloud infrastructure located in the European Union; no physical storage at gardy premises or on owned servers. Access occurs only through authorized gardy apps by users, dispatchers, security agents, or brokers, and only in connection with interventions in which they are involved. Access is limited to the duration of the call and technically controlled; call cards may be viewed by authorized personnel strictly for service provision purposes.
9.6. Data Recipients: Data may be transmitted only to partner security companies for intervention; payment processors (banks and authorized providers); lawful authorities upon legal request; and consultants/partners under confidentiality and data‑processing obligations.
9.7. User Rights: Under GDPR and Moldovan law, users have the rights of access, rectification, erasure, restriction, portability, objection, consent withdrawal (prospective effect), and the right to lodge a complaint with the national data protection authority. Requests may be submitted by email to [email protected] or by post to gardy S.R.L., str. Spartacus 11/1, Chișinău. gardy will respond within 30 calendar days.
9.8. Contact for Data Protection: [email protected]
9.9. Marketing Communications: Marketing emails, SMS, or push notifications are sent only with the user’s prior opt‑in. Users can withdraw consent at any time via in‑app settings. Withdrawal does not affect the lawfulness of prior processing. Refusing marketing will not affect the use of the core service.
9.10. Cookies/SDKs in App: The gardy mobile app may integrate strictly necessary SDKs (e.g., crash reporting, performance telemetry) and, where enabled by consent, analytics or marketing SDKs. Users can review and change consent settings in‑app at any time.
9.11. Data Breach Notification: In the event of a personal data breach, gardy will assess risk and notify the competent authority and affected users where required by law, describing the nature of the breach, likely consequences, measures taken, and guidance for user protection.
9.12. Children’s Data: Minors may use the service only when added by an adult within a Family account. The adult account holder is responsible for the lawful basis, supervision, and accuracy of the minor’s data. Where consent is required, it must be provided by the holder of parental responsibility.
9.13. Messaging Metadata Retention: SMS/push metadata (timestamps, delivery status, sender ID, routing info) are retained for up to 24 months for fraud prevention, dispute resolution, and compliance, then deleted or anonymized.
9.14. Vendor List & Disclosures: Upon request, gardy will provide a current list of key processors used for hosting, messaging, payments, analytics, and support, including the legal basis for sharing and retention periods per category.

10. Suspension and Termination of Services

10.1. gardy may suspend or temporarily disable a user’s SOS function for: breaches of these T&C; false or abusive calls; non‑payment or refusal to pay extra calls; illegal use of the service; dangerous behavior toward agents or attempts to manipulate the system; confirmed use by a person lacking full legal capacity (e.g., minor without legal responsibility); or, for Third‑Party Connected Users, at the Partner’s request due to suspected unauthorized use or disputes between the user and the Partner.
10.2. Suspension is notified by email and in‑app, stating the reason and possibility of remedy.
10.3. The user may request account closure at any time, in‑app or in writing, without penalties. Account closure does not cancel existing financial obligations.
10.4. Unilateral Termination by gardy. gardy may terminate the contract with immediate effect for: breach of any provision of these T&C; fraud or attempted fraud; repeated or intentional refusal to cooperate during interventions (including providing false/contradictory information, refusing to collaborate, hostile/insulting behavior, using the service for manipulation or intimidation, unjustified cancellations after team mobilization or staging emergencies); explicit request from a competent authority; or any conduct harming service security, platform reputation, or the safety of intervention teams or other users. gardy may suspend or permanently close the user’s account with or without prior notice depending on the nature and severity of the breach.
10.5. Data at Termination: Upon account closure, gardy will deactivate access, cease processing for marketing (if any), and retain only data necessary for legal obligations, dispute resolution, and fraud prevention per Section 9 retention periods, after which data are deleted or anonymized.
11. Governing Law and Jurisdiction11.1. This contract is governed by the laws of the Republic of Moldova.
11.2. Disputes shall be resolved amicably; failing agreement, competent courts are those of Chișinău municipality.
11.3. The Romanian version of this document prevails in case of inconsistency with translations.

Annex 1 – Call Types and Pricing

1. Pricing Structure

1.1. Smart Insurance Plan. Monthly subscription for regular users not engaged in professions with elevated conflict risk. Includes up to two Conflict Calls per month at no additional cost; intervention to stop/de‑escalate a conflict (including restraining aggressor until police arrive) included; team remains with the user at the incident site until police or transportation arrives. From the third Conflict Call in the same month, that call is charged as an extra Conflict Call and the subscription is automatically changed to ProInsurance starting the following month. The user will be notified at least seven days in advance via app or email and may cancel before new commercial terms take effect. Escort Calls are not included and are billed separately; False Calls incur a financial penalty; two consecutive unpaid false calls may result in permanent account blocking.
1.2. ProInsurance Plan. Intended for users engaged in higher‑risk activities or exceeding Smart Insurance limits, and automatically applicable to users generating more than two Conflict Calls in a calendar month. Monthly subscription with lower base fee; all calls (conflict, escort, others) are billed individually at rates displayed in‑app; no monthly usage limit; two consecutive false calls unpaid or not justified as emergencies result in permanent account blocking; the user is responsible for the cost of each intervention, including escorts requested after conflict calls; no intervention is included in the subscription—access is provided to the gardy network and each intervention is billed separately. Automatic switching from Smart Insurance occurs after more than two monthly Conflict Calls; the user may cancel before the change takes effect in line with notice terms.

2. Application Rules

2.1. Billing Month Definition: The service period covered by a subscription payment, calculated from the date the user’s card is charged (inclusive) to the end of the day prior to the same date in the following calendar month.
2.2. Exact Prices: Displayed in‑app depending on country and local currency, under the SOS button.
2.3. Duty to Inform: The user is informed in‑app about the type of call generated, potential costs, and billed history.
2.4. Pricing Transparency for Messages: Where a plan includes messaging (e.g., alerts, verification codes), such communications are transactional. Marketing messages are excluded unless the user opts in separately. Any applicable message fees are disclosed prior to opt‑in.