בעל הכרטיס לא משתף את הקוד הסודי.

Literally, בעל הכרטיס means owner of the card.

This is a very common Hebrew structure called a construct chain. Instead of saying the owner of the card with a separate word for of, Hebrew often puts two nouns together:

• בעל = owner / holder
• הכרטיס = the card

So:

• בעל הכרטיס = the cardholder / owner of the card

Using של would sound less natural here. Hebrew usually prefers this compact noun+noun pattern in cases like this.

Great question. In a construct chain, definiteness is usually determined by the second noun.

So in:

• בעל הכרטיס

the second word is הכרטיס = the card

Because that second noun is definite, the whole phrase becomes definite:

• בעל כרטיס = a cardholder / holder of a card
• בעל הכרטיס = the cardholder / holder of the card

So even though בעל itself does not have ה, the whole phrase is still definite.

משתף comes from the verb לשתף, which means to share.

Here it is in the present tense, masculine singular:

• משתף = sharing / shares

In Hebrew, the present tense can often translate as either:

• shares
• is sharing

depending on context.

So לא משתף means does not share or is not sharing.

לא is the standard word for not when negating verbs.

So:

• משתף = shares / is sharing
• לא משתף = does not share / is not sharing

Hebrew uses לא for past, present, and future verb negation in many basic cases.

Examples:

• הוא משתף = he shares
• הוא לא משתף = he does not share

את marks a definite direct object.

In this sentence, the thing being shared is the secret code, which is definite:

• הקוד הסודי = the secret code

So Hebrew puts את before it:

• משתף את הקוד הסודי

Important: את does not mean with here.
It is just a grammatical marker showing that the secret code is the direct object of the verb.

Compare:

• הוא קורא ספר = he reads a book
• הוא קורא את הספר = he reads the book

In Hebrew, adjectives usually come after the noun they describe.

So:

• קוד סודי = a secret code
• הקוד הסודי = the secret code

The pattern is:

• noun first
• adjective second

This is different from English, where adjectives usually come before the noun.

In Hebrew, adjectives must agree with the nouns they describe in gender, number, and definiteness.

So if the noun is definite, the adjective also becomes definite:

• קוד סודי = a secret code
• הקוד הסודי = the secret code

Both words need to match in definiteness.

This is very important in Hebrew adjective phrases.

We know mainly because of משתף.

In the present tense, Hebrew verbs often look like adjectives/participles and show gender and number.

• משתף = masculine singular
• משתפת = feminine singular
• משתפים = masculine plural
• משתפות = feminine plural

Since the subject is בעל הכרטיס, which is grammatically masculine singular, משתף matches it.

Not always. בעל has several related meanings depending on context.

It can mean:

• owner
• holder
• sometimes husband

In this sentence, because it is followed by הכרטיס (the card), the meaning is clearly:

• cardholder
• holder of the card

So context tells you which sense is intended.

Yes, that is a very natural translation.

Depending on context, you could also translate it as:

• The cardholder does not share the secret code.
• The owner of the card does not share the secret code.
• The card holder does not share the secret code.

In everyday English, cardholder is probably the most natural.

Yes. Hebrew present tense often covers both ideas.

So לא משתף can mean:

• does not share
• is not sharing

Which one sounds best depends on context.

If this is a general rule or instruction, English would usually say:

• does not share

If it describes what is happening right now, English might say:

• is not sharing

The main change would be the verb form.

Masculine:

• בעל הכרטיס לא משתף את הקוד הסודי.

Feminine:

• בעלת הכרטיס לא משתפת את הקוד הסודי.

Changes:

• בעל → בעלת = female owner / female holder
• משתף → משתפת = feminine singular present form

Everything else can stay the same.