Website Terms of Use

1. Introduction and Acceptance

These Terms govern your access to and use of the website located at www.carddirector.com, including all pages, forms, waitlist features, support channels, account and activation pages, and any other online service that links to these Terms (together, the "Website").

By accessing the Website, joining the launch waitlist, creating or activating an account, purchasing or enrolling in a subscription, or otherwise using any CardDirector service, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree, you must not use the Website or any CardDirector service.

The CardDirector Privacy Notice is a notice, not an agreement. It describes what CardDirector does with personal information, and you are not asked to agree to it. It is referred to in these Terms so that you know where to find it, and CardDirector records that it was shown to you and which version, but your rights under it do not depend on your having accepted anything, and nothing in it is a contractual term. Where a particular use of personal information genuinely requires your consent, such as analytics cookies, that consent is asked for separately and can be withdrawn without affecting your Subscription.

If you accept these Terms on behalf of a company, partnership or other legal entity, you represent that you have authority to bind that entity, and "you" refers to that entity.

Acceptance may be recorded electronically. CardDirector may maintain a record of the version of these Terms accepted, the date and time of acceptance, and the technical information associated with that acceptance, for the purpose of evidencing agreement.

2. Definitions

In these Terms, the following capitalized words have the meanings given below.

"Software" means the CardDirector desktop application for Microsoft Windows, including all updates, patches, releases and accompanying documentation made available by CardDirector.

"Services" means the Website, the Software, the Connected Services, account and activation services, support, and any other service CardDirector makes available under these Terms.

"Connected Services" means optional features of the Services that transmit information to, or receive information from, a third-party provider, including market data lookups, image identification, and authorized eBay account features.

"Market Data" means pricing, sales, listing, population, valuation, comparable-sale and related information sourced from or derived from a third-party data provider.

"Merchant of Record" means the party that sells the subscription to you, processes payment, and is responsible for the collection and remittance of applicable transaction taxes. As of the date of these Terms the Merchant of Record is Freemius, Inc. and its affiliates ("Freemius").

"Local Records" means card, workflow, valuation-assumption, note, submission, selling, follow-up and imported working records that the Software stores in a database on your own computer.

"Estimates" means any calculated, modeled, projected or comparative output generated by the Services, including any output described in Section 7.

"Subscription" means a paid, recurring right of access to the paid features of the Software, purchased through the Merchant of Record.

3. Eligibility and Authority

CardDirector sells to customers located in the United States. A Subscription may be purchased only by a customer whose billing address and place of residence are in the United States.

This limits where CardDirector sells, not where you may use what you have bought. If you are a United States customer traveling, working or temporarily staying abroad, you may keep using the Software and verifying your access while you are away, without notifying CardDirector and without any restriction on that account. Connected Services may be limited abroad by the third-party provider rather than by CardDirector, and the law of the place you are in applies to you while you are there.

CardDirector makes no representation that the Services are appropriate, lawful or available in any other jurisdiction, and does not market to or solicit customers outside the United States.

You must be at least eighteen (18) years old, or the age of majority in your place of residence if higher, to purchase a Subscription, create an account, or enter into any binding transaction with CardDirector. By doing any of those things you represent that you meet that requirement.

The Services are not directed to children under thirteen (13) years of age and CardDirector does not knowingly collect personal information from children under thirteen. If a minor is permitted by a parent or legal guardian to use the Software on that adult's account, the adult remains fully responsible for the account, for all activity conducted through it, for payment, and for compliance with these Terms.

You may not use the Services if you are barred from doing so under the laws of the United States or any other applicable jurisdiction, if you are located in a country or territory subject to comprehensive United States sanctions, or if you appear on any United States government restricted-party list.

4. Scope and Order of Precedence

These Terms govern the Website and the general relationship between you and CardDirector. Additional documents apply to specific matters.

The CardDirector End User License Agreement (the "EULA") governs installation and use of the Software, license scope, access verification and restrictions.

The CardDirector Refund, Cancellation and Billing Policy (the "Billing Policy") governs pricing, renewal, cancellation and refunds.

The CardDirector Privacy Notice governs the collection and use of personal information.

The terms presented by the Merchant of Record at checkout govern the sale transaction itself, including payment, invoicing and transaction taxes.

If there is a conflict, the following order of precedence applies to the subject matter concerned: first, any mandatory consumer protection law that cannot be varied by agreement; second, the terms of the Merchant of Record on matters of payment processing and the sale transaction; third, the EULA on matters specific to the Software; fourth, the Billing Policy on matters of price, renewal, cancellation and refunds; and fifth, these Terms on all remaining matters. Where documents can be read consistently, they are to be read together.

CardDirector's Refund, Cancellation and Billing Policy is the vendor refund policy referred to in, and incorporated by reference into, the agreement presented by the Merchant of Record for your purchase. Where that vendor refund policy is more favorable to you than the Merchant of Record's default provisions, the vendor refund policy governs your eligibility for a refund.

5. Description of CardDirector

CardDirector is Windows desktop workflow software for sports card collectors and resellers. Depending on the released feature set, it is designed to help users research potential purchases, surface potential grading opportunities, compare estimated market values, model estimated outcomes where sufficient inputs are available, track grading submissions, manage resale follow-through, organize retained cards, and keep related records connected.

Core card and workflow records are designed to be stored locally on your own computer. Local storage does not mean that every feature operates offline. Connected Services transmit the information necessary to complete a requested lookup, an authorized account connection, or an access verification.

CardDirector does not guarantee that any particular feature, tool, integration, data source or coverage level will be included in any release, will remain available, or will operate without interruption. Feature availability may change as provider agreements, technical constraints and product decisions change.

The Website may describe planned, preview or future functionality. Descriptions of planned functionality are statements of current intention only. They are not commitments, are not incorporated into any purchase, and must not be relied upon as a basis for purchasing.

6. Role Limitations

CardDirector is an informational and recordkeeping tool. CardDirector is not, and does not hold itself out as, any of the following.

A sports card marketplace, auction house, dealer, consignor, broker or agent.

A grading company, authentication service, or provider of any certification, opinion of authenticity, or opinion of condition.

An appraiser or provider of formal valuations for insurance, estate, taxation, lending, financial reporting or collateral purposes.

An investment adviser, broker-dealer, commodity trading adviser, or provider of financial, tax, accounting or legal advice.

A payment processor, money transmitter, escrow agent, or custodian of any funds or property.

A gambling, wagering, lottery, sweepstakes, prize or chance-based service.

CardDirector does not buy, sell, consign, authenticate, grade, store, ship, insure or take possession of any card or other item. CardDirector does not hold, route or settle funds, does not place purchases, bids, offers, listings, cancellations, refunds or dispute actions on your behalf, and does not act as your agent in any transaction. All transactions you conduct occur between you and the relevant third party and are governed by that third party's terms.

Nothing in the Services constitutes a recommendation, solicitation or inducement to buy, sell, grade, submit, hold or dispose of any card or other item.

7. Estimates, Valuations and Grading Outcomes

This Section is important. It describes the most significant limitation of the Services.

Outputs labeled or presented as "Potential Grading Opportunity", "Estimated Profit", "Estimated Loss", "Estimated Margin", "Estimated Net Result", "Estimated Resale Difference", or any comparable term, are scenario-based informational outputs. They are calculated from data available to the Services at the time and from assumptions that you enter or accept, including assumptions about grade, condition, grading cost, fees, shipping, taxes, timing and market conditions.

Estimates are not appraisals, valuations, price opinions, investment recommendations, buy or sell instructions, guarantees of outcome, or promises of future value. They can be wrong. They can change. They may be based on incomplete, delayed, superseded or inaccurate source data, or on assumptions that do not hold.

Outputs labeled "Recorded Profit" or "Recorded Profit/Loss" are recordkeeping calculations for a transaction you have recorded as complete, derived from amounts you entered or confirmed. They are not accounting records, tax calculations, or advice of any kind. You are solely responsible for your own tax reporting, cost basis determination and recordkeeping obligations, and should consult a qualified professional.

CardDirector does not guarantee, warrant or predict any of the following: the grade, condition, eligibility, authenticity or certification outcome of any card; any current or future value, price, spread, margin or profit; buyer demand, liquidity, time to sale, or that any sale will occur at all; delivery, tracking or transit outcomes; provider availability, coverage, accuracy or completeness; or the correctness of any identification, match or comparison.

Grading, authentication, designation, review, reconsideration and certification decisions are made solely by the applicable grading company under its own standards and terms. CardDirector has no role in, and no influence over, those decisions, and is not responsible for them.

You are solely responsible for independently verifying card identity, condition, population data, comparable sales, costs, fees, shipping, taxes, market information and transaction terms before making any purchase, grading, submission, listing, pricing, sale or retention decision. You accept the full risk of any decision you make and any loss that results.

8. Centering, Photo and Image Identification Tools

The Software may include a manual centering tool. That tool calculates centering estimates from card-edge and print-area boundaries that you place on a photograph. It does not automatically detect boundaries, does not authenticate a card, and does not predict, estimate or guarantee any grade. Photograph angle, lens distortion, lighting, resolution, cropping and the accuracy of your boundary placement all affect the result. A centering estimate produced by the Software is not a measurement of the physical card, is not a grading opinion, and is not an authentication result.

The Software may also offer an optional image identification feature. Where you use that feature, the photograph you select is transmitted through CardDirector's service to the applicable third-party data provider so that the provider can attempt to identify the card. Identification results are suggestions only, may be incorrect or incomplete, and must be verified by you before you rely on them.

The manual centering tool and the optional image identification feature are separate features with different data flows. Their treatment of photographs, including what is transmitted, what is stored, and for how long, is described in the Privacy Notice. You should not assume that any photograph-related feature operates entirely on your own computer, and you should not assume that any photograph transmitted to a provider is deleted on any particular schedule, unless the Privacy Notice expressly says so.

You represent and warrant that you hold all rights necessary to upload, process and transmit any photograph you submit to the Services, and that doing so does not infringe the rights of any third party or contain the personal information of any other individual without that individual's knowledge.

9. Free Launch Waitlist

The launch waitlist allows you to ask CardDirector to notify you by email when the Software becomes publicly available. Joining the waitlist is free.

Joining the waitlist does not create a purchase, subscription, deposit, preorder, paid reservation, software license, or entitlement of any kind. It does not reserve a price, guarantee availability, guarantee any launch date, or guarantee that any particular feature will be included in any release. CardDirector does not accept prelaunch payments, deposits or preorders.

A waitlist registration will never convert automatically into a purchase or a Subscription. Any Subscription requires a separate, affirmative decision by you at checkout.

You may leave the waitlist at any time using the unsubscribe link in your confirmation email, or by emailing support@carddirector.com from your registered address.

Any private, invitation-based or pre-release access that CardDirector separately arranges is provided free of charge, at CardDirector's discretion, for evaluation purposes only, may be modified or withdrawn at any time, and is not a Subscription or a promise of future paid access on any terms.

10. Accounts, Activation and Security

Some features require an account. You must provide accurate, current and complete information when creating an account and keep it updated. You must use a single account for your purchase, renewal and support history. Creating multiple accounts to evade a suspension, to circumvent the once-per-customer money-back guarantee, or to obtain a benefit you are not entitled to is a breach of these Terms.

You are responsible for maintaining the confidentiality of your account credentials, activation links, license keys and any device on which the Software is installed, and for all activity that occurs under your account. You must notify CardDirector promptly at support@carddirector.com if you become aware of any unauthorized use.

Activation links and invitation links are personal to you. You must not share, publish, resell or transfer them. CardDirector may revoke any link or credential that has been shared, published or used in a manner inconsistent with these Terms.

CardDirector may record account, entitlement, activation, device and access-check information as necessary to provision access, enforce license scope, administer the once-per-customer money-back guarantee, investigate abuse and provide support. That processing is described in the Privacy Notice.

11. Fourteen Day Money-Back Guarantee

CardDirector does not offer a free trial. Instead, your first payment is protected by a money-back guarantee.

If you are not satisfied for any reason, you may request a full refund of your first payment within fourteen (14) days of that payment. No explanation is required. The guarantee applies whether or not you have downloaded, installed, activated or used the Software, so you can evaluate CardDirector properly rather than in a hurry.

The guarantee is available once per customer and attaches to your first-ever payment to CardDirector. Canceling and subscribing again later does not create a new guarantee, and neither does changing account, payment method, device or email address.

A refund under the guarantee automatically cancels your subscription and stops all future renewals, so no separate cancellation request is needed.

CardDirector may invite you to say what did not work. That is optional, is not a condition of the refund, and declining has no effect on your eligibility, the amount refunded or the speed of processing.

The full mechanics, including how the fourteen days are counted, are set out in Section 9 of the Billing Policy. Separate protections for service failure, defects and billing errors are set out in Sections 10 to 12 of that Policy and are not limited to fourteen days or to your first payment.

12. Paid Subscriptions, Pricing, Taxes and Automatic Renewal

Paid access is sold as a recurring monthly Subscription. As of the date of these Terms the price is USD 20 per month, excluding any applicable taxes. The price, currency, billing interval, renewal terms, cancellation method and refund policy applicable to your purchase will be displayed to you at checkout before you provide payment information, and will be repeated in your purchase confirmation.

Your Subscription renews automatically each month on the anniversary of your purchase date, at the then-current price for your plan, until you cancel. By completing checkout you authorize the Merchant of Record to charge your payment method on each renewal date, without further authorization from you, until you cancel.

You may cancel at any time and cancellation takes effect at the end of the then-current billing period. Cancellation is described in Section 13 and in the Billing Policy. Canceling is always available online through the subscription management link provided in your purchase receipt and on the Billing page of the Website, without any requirement to telephone, email, chat with, or complete a retention interview with support.

The Merchant of Record is the seller of record for your purchase. It processes payment, issues invoices and receipts, and determines and remits applicable sales, use, VAT, GST and similar transaction taxes. CardDirector does not receive or store your full payment card number or security code. Your relationship with the Merchant of Record for payment purposes is governed by the terms it presents at checkout.

CardDirector may change the price at which new Subscriptions are sold at any time. Under the Merchant of Record's current terms, a change in price does not affect an existing Subscription while it remains active, unchanged and not canceled. That is the arrangement in force today rather than a permanent commitment by CardDirector, and the Merchant of Record's terms may change.

If a price change is ever applied to an existing Subscription, it takes effect only at the start of a renewal term and only after notice by email thirty (30) days before the first charge at the new price, stating the current price, the new price, the date it applies and how to cancel, and you may cancel before it takes effect. Changing your own plan is a new purchase and is not a price change for this purpose. Sections 3 and 5 of the Billing Policy set out the same rules in full and govern if there is any difference.

CardDirector will also send you a reminder at least once every twelve (12) months, stating the product, the frequency and amount of the charges and how to cancel. The absence of any notice or reminder never extends or shortens a right you have, and you may cancel at any time.

Promotional pricing, introductory pricing and discounts apply only for the period stated in the offer. Unless the offer says otherwise, the Subscription renews at the then-current standard price at the end of the promotional period.

13. Cancellation, Refunds and Billing Disputes

A refund under the Fourteen Day Money-Back Guarantee cancels your Subscription automatically. You do not need to make a separate cancellation request, and CardDirector confirms both in the same email.

A full refund reversing a mistaken purchase or duplicate subscription under Section 11 of the Billing Policy, or an immediate-departure refund under Section 16 of that Policy, also cancels the affected renewal as explained in Section 14. Other refunds or credits do not by themselves cancel your Subscription. Canceling stops future renewal but does not reverse a completed charge. If you want both a refund and ordinary cancellation, say so and CardDirector will handle them separately under the applicable rules.

Ordinary cancellation does not shorten your paid term. Full Access continues through the verified paid-through date shown in your account, after which access moves to Read Only mode.

Deleting the Software, uninstalling it, disconnecting a Connected Service, changing computers, leaving the waitlist, or simply not using the Software does not cancel your Subscription and does not stop renewal charges.

Refund eligibility, the Fourteen Day Money-Back Guarantee, the service-failure protections, exclusions and the effect of a refund on access are set out in full in the Billing Policy. Requests should be sent to billing@carddirector.com with the purchase email address and either the transaction or invoice identifier or the approximate purchase date, so the payment can be located. You do not need to give a reason. CardDirector may invite optional feedback, which has no bearing on eligibility, the amount refunded or the speed of processing. You should never send full payment card numbers, security codes, passwords or private activation links to CardDirector by email.

CardDirector acknowledges a refund request within two (2) business days and decides it within ten (10) business days of receipt. Approved refunds are issued to the original payment method and typically appear within five (5) to ten (10) business days after processing, depending on your bank. These timelines are the same in the Billing Policy and in the End User License Agreement.

What a refund does to your access depends on why it was given, not on how much of the payment it returns. Section 14 of the Billing Policy sets out the five outcomes and governs this question. In summary: a guarantee refund cancels renewal and ends Full Access; ordinary cancellation preserves Full Access to the paid-through date; a service remedy or goodwill refund or credit leaves Full Access, renewal and the paid-through date unchanged, even where a whole billing period is refunded, unless you separately cancel; an immediate-departure refund on declining a material change cancels renewal and ends Full Access; and a full refund reversing a mistaken purchase or duplicate subscription ends only that purchase's or subscription's access and renewal. Correcting a duplicate charge does not cancel a valid subscription. A purchase or duplicate-subscription reversal does not affect a separate valid subscription or delete your account or saved records. If no other valid entitlement remains, the ordinary Read Only rules apply. If anything in these Terms reads otherwise, Section 14 of that Policy governs.

If you believe a charge is unauthorized, duplicated or unrecognized, contact billing@carddirector.com promptly with the charge date, amount, currency and the statement description. CardDirector will investigate and, where appropriate, coordinate with the Merchant of Record. Contacting CardDirector first is usually faster than a chargeback and allows CardDirector to correct genuine errors directly.

Initiating a chargeback or payment dispute without first contacting CardDirector may result in suspension or termination of access under Section 24 while the dispute is resolved. Nothing in this paragraph limits any right you have under applicable law or under your card network's rules to dispute a charge.

Nothing in these Terms, the Billing Policy or any other CardDirector document limits, waives or excludes any mandatory consumer right that cannot lawfully be limited, waived or excluded.

14. Desktop License, Access Verification and Read Only Mode

Installation and use of the Software are governed by the EULA, which is presented to you before installation, activation or paid use. In summary, and subject to the EULA, CardDirector grants you a limited, personal, non-exclusive, non-transferable, revocable license to install and use the Software on one (1) computer at a time for the duration of your paid access, for your own collecting or reselling activity. You may transfer the activation to a replacement computer as described in the End User License Agreement.

The Software verifies your access entitlement periodically over the internet. The Software requests a fresh access check every six (6) hours. If the verification service cannot be reached, previously verified Full Access can continue for up to seven (7) days measured from the last successful verification, and in no case beyond your paid-through date, whichever comes first. A failed check does not restart or extend that seven-day period, which runs only from the last verification that actually succeeded.

That offline allowance is a temporary connection allowance only. It is not a payment grace period and not an extension of your subscription. When your paid-through date is reached, or when the seven-day allowance expires without a successful verification, the Software moves to Read Only mode until valid access is verified. Connected Services independently require an active internet connection and a valid authorization at the time you use them; whether the Software is operating under the offline allowance does not itself determine whether a Connected Service is available to you.

In Read Only mode the Software is designed to keep your Local Records readable, and to permit the creation of a local backup where that function is provided in your release, while editing and Connected Services are restricted. Creating a backup and restoring one are separate functions, and Section 10 of the End User License Agreement describes what a backup contains and what is not promised. Confirming valid access restores the permitted features.

The verification interval, the offline allowance and the behavior of Read Only mode are the launch rules described above. CardDirector may adjust them for security, licensing, performance or compatibility reasons, provided that it does not materially reduce the access you have paid for during a paid term for which you have already paid. Material changes will be notified in accordance with Section 24.

You are solely responsible for maintaining your own backups of your Local Records. A Subscription is not a backup, archiving, synchronization or cloud storage service. CardDirector is not responsible for loss, corruption or inaccessibility of records stored on your computer, including as a result of hardware failure, operating system changes, malware, uninstallation, reinstallation or your own actions.

15. Connected Services and Third-Party Providers

Connected Services are optional. Using one may require an eligible third-party account, your authorization, provider approval and compliance with the provider's own terms and policies.

When you use a Connected Service, CardDirector transmits only the information needed to complete your request, which may include search criteria, card or listing identifiers, pricing or grading context, photographs where you use image identification, authorization tokens, and technical request details. The Privacy Notice describes these flows in detail.

Third-party providers operate independently of CardDirector. They may change, restrict, degrade, price, throttle or discontinue their services, data, coverage or access policies at any time, with or without notice to CardDirector. CardDirector does not control and cannot guarantee provider availability, uptime, accuracy, coverage, completeness, latency or continuity.

If a provider becomes unavailable or changes its terms, the related CardDirector feature may be temporarily or permanently affected. CardDirector will use commercially reasonable efforts to restore or replace affected functionality but does not warrant that it will be able to do so.

Provider unavailability is not itself a defect in the Software, but it is not excluded from the service remedies either. Where a paid feature depends on a provider and that provider is unavailable, the hours count toward the thresholds in Section 10 of the Billing Policy in exactly the same way as an outage CardDirector caused. Once seventy-two consecutive hours or seven aggregate days in a billing period are reached, the remedy in that Section is due. Where the loss made the Subscription substantially unusable for the period, the remedy is a refund of the whole period rather than a pro rata amount. Section 10 of the Billing Policy governs this question and these Terms do not add a separate or higher test.

Your use of any third-party service through a Connected Service is also governed by that provider's own terms and privacy notice. You are responsible for reviewing and complying with them.

16. Market Data and Permitted Use

Market Data made available through the Services is licensed to CardDirector by third-party providers and is made available to you for your own internal research, collecting and reselling activity within the CardDirector experience only. You receive no ownership right in Market Data.

Unless CardDirector or the applicable provider expressly permits it in writing, you must not do any of the following.

Scrape, crawl, harvest, bulk-extract, systematically download or systematically copy Market Data or any part of the Services.

Resell, redistribute, publish, broadcast, sublicense, syndicate or otherwise make Market Data available to any third party.

Use Market Data to create, train, populate, benchmark or improve any database, dataset, index, model, machine learning system or product that competes with CardDirector or with any data provider.

Circumvent, disable or interfere with any access control, rate limit, caching mechanism, licensing control or usage control.

Use automated means, scripts or software to generate requests at a volume or frequency exceeding ordinary individual use.

Market Data may be delayed, incomplete, unavailable, superseded or incorrect. Population figures, comparable sales, sold prices and listing information may not reflect the current market. You remain responsible for verifying Market Data before acting on it.

CardDirector may impose and vary fair use limits on the volume, frequency and nature of Connected Service requests, and may suspend or restrict access that exceeds those limits or that imposes a disproportionate burden on CardDirector or a provider.

17. Authorized eBay Use

Where the Services support an eBay connection, authenticated account information is available only for the eBay account that you have personally authorized. You must not attempt to access, expose or process another person's non-public eBay information, bypass access controls, or use the Services for any purpose that eBay's policies prohibit.

CardDirector does not place purchases, bids, offers, listings, cancellations, refunds, returns or dispute actions on your behalf. All marketplace activity occurs on eBay and is governed by eBay's terms, policies and dispute processes.

Shipment, tracking and delivery information shown in the Services is information made available by the connected marketplace. It may be delayed, incomplete, inaccurate or subsequently changed by the marketplace or the carrier. CardDirector does not connect directly to carrier accounts and does not warrant any shipment or delivery outcome.

You may disconnect your eBay authorization at any time. Disconnecting ends the authorization going forward. Records already imported to your computer are separate and remain under your control until you delete them. CardDirector honors marketplace account deletion and closure notifications in respect of data within CardDirector's own control, as described in the Privacy Notice.

Marketplace disputes, seller performance matters, carrier claims, returns and grading company decisions remain entirely between you and the relevant third party.

18. Acceptable Use and Prohibited Conduct

You are responsible for the information you enter, import or transmit, for the decisions you make, for your account and device security, for your own backups, and for compliance with all applicable laws, marketplace rules, carrier requirements, grading company terms and tax obligations.

You must not do any of the following.

Use the Services for any unlawful, fraudulent, deceptive or infringing purpose, including trafficking in counterfeit, altered, trimmed, restored or misrepresented items.

Reverse engineer, decompile, disassemble, or attempt to derive the source code, algorithms, model logic or data structures of the Software, except to the extent that this restriction is prohibited by applicable law.

Bypass, remove, disable or tamper with any license check, access verification, entitlement control, watermark, attribution or security feature.

Probe, scan, penetration test or attempt to gain unauthorized access to any part of the Services, any server, or any account other than your own, or attempt to extract credentials, tokens or secrets.

Introduce malware, interfere with the operation of the Services, impose an unreasonable load, or interfere with another user's use.

Share, resell, rent, lease, time-share, sublicense or provide access to the Software or your credentials to any person outside the license scope granted in the EULA.

Misrepresent your identity, your authority, or your affiliation with CardDirector or any third party.

Use the Services or their outputs to make representations to a buyer, a grading company, an insurer, a lender or any other person that a card has a particular grade, condition, authenticity or value certified by CardDirector.

CardDirector may investigate suspected breaches and may take any action it considers appropriate, including restricting features, suspending access, terminating a license, reporting conduct to a provider or to law enforcement, and pursuing available legal remedies.

19. User Content, Feedback and Submissions

You retain ownership of the card records, notes, photographs and other content you create or upload ("User Content"). Local Records stored on your computer remain yours and under your control.

Where you transmit User Content to CardDirector or through a Connected Service, you grant CardDirector a non-exclusive, worldwide, royalty-free license to host, store, reproduce, transmit, display and process that User Content solely to the extent necessary to operate, secure, troubleshoot and provide the Services you have requested, and to comply with law. That license ends when the relevant processing is complete, subject to retention permitted by the Privacy Notice.

CardDirector does not claim ownership of your photographs and does not use your photographs for advertising or promotional purposes without your separate consent. CardDirector does not use your User Content to train general-purpose artificial intelligence models.

If you send CardDirector suggestions, feature requests, issue reports or other feedback, you grant CardDirector a perpetual, irrevocable, worldwide, royalty-free right to use, modify and incorporate that feedback into any product without restriction, attribution or compensation, while continuing to handle any personal information in it in accordance with the Privacy Notice. You should not send CardDirector any information that you consider confidential.

You are responsible for ensuring that your User Content does not infringe the rights of any third party. CardDirector may remove or refuse to process any User Content that it reasonably believes is unlawful, infringing or in breach of these Terms.

20. Intellectual Property and Trademarks

The Services, including the Website, the Software, all source and object code, databases, interfaces, designs, layouts, graphics, icons, text, documentation, workflows and the selection, arrangement and presentation of content, are owned by CardDirector LLC or its licensors and are protected by United States and international copyright, trademark, trade secret and other intellectual property laws.

CardDirector reserves all rights not expressly granted. No right, title or interest in the Services is transferred to you. You are granted no license to use CardDirector's name, logo or branding except as expressly permitted in writing.

CardDirector is a trademark of CardDirector LLC. eBay, PSA and all other third-party names, logos and marks referenced in the Services are the property of their respective owners. Their appearance is for identification and descriptive purposes only and does not imply sponsorship, endorsement, certification, affiliation or partnership unless CardDirector expressly states otherwise in writing.

CardDirector is an independent product. It is not affiliated with, endorsed by, sponsored by, or certified by eBay Inc., Professional Sports Authenticator, any grading company, any card manufacturer, any sports league, any players association, or any carrier.

If you believe that content available through the Services infringes your copyright, send a notice containing the elements required by 17 U.S.C. section 512(c)(3) to support@carddirector.com. CardDirector will respond appropriately and may terminate the access of repeat infringers.

21. Privacy, Cookies and Electronic Communications

CardDirector's collection and use of personal information is described in the Privacy Notice. As Section 1 explains, the Privacy Notice is a notice rather than a contractual term: you are not asked to agree to it, it is not incorporated into these Terms as an obligation you owe, and your rights under it do not depend on your having accepted anything. It is referred to here so that you know where to find it. The Privacy Notice also describes the cookies and similar technologies used on the Website, the consent-based analytics configuration, and how to change your cookie choices through the Cookie Preferences control in the Website footer.

You consent to receive communications from CardDirector electronically, including at the email address associated with your waitlist registration, account or purchase. Transactional and relationship messages, such as confirmations, receipts, renewal and price-change notices, activation information, security alerts, service notices and responses to your inquiries, are necessary to provide the Services and are not marketing messages. You cannot opt out of essential transactional messages while you hold an account or Subscription, although you may cancel the Subscription itself.

You may opt out of optional marketing or launch notification emails at any time using the unsubscribe link in those emails or by contacting support@carddirector.com.

You agree that electronic records, electronic signatures and click-through acceptance satisfy any legal requirement that an agreement be in writing or be signed, to the fullest extent permitted by the Electronic Signatures in Global and National Commerce Act and applicable state law.

22. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Services, including the Website, the Software, any prerelease or evaluation build, all Connected Services, all Market Data and all Estimates, are provided on an "AS IS" and "AS AVAILABLE" basis, with all faults and without warranty of any kind.

CardDirector, its members, managers, employees, contractors, suppliers and licensors expressly disclaim all warranties, whether express, implied, statutory or otherwise, including any implied warranty of merchantability, fitness for a particular purpose, title, non-infringement, quiet enjoyment, accuracy, and any warranty arising from course of dealing, course of performance or usage of trade.

Without limiting the foregoing, CardDirector does not warrant that the Services will be uninterrupted, timely, secure, error free or free of harmful components; that any defect will be corrected; that any Estimate, identification, match, comparison, price, population figure or projection will be accurate, current or complete; that any grading, sale, price, margin or profit outcome will be achieved; or that any third-party provider will remain available.

No advice or information, whether oral or written, obtained from CardDirector or through the Services creates any warranty not expressly stated in these Terms.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions the exclusions above apply to the fullest extent permitted by law, and you may have additional rights.

23. Limitation of Liability and Indemnification

To the fullest extent permitted by applicable law, CardDirector LLC and its members, managers, employees, contractors, agents, suppliers and licensors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profit, revenue, opportunity, anticipated saving, goodwill, data, records or business interruption, arising out of or in connection with the Services, any Estimate, any Market Data, any Connected Service, any grading or sale outcome, or any reliance on information obtained through the Services, whether based in contract, tort, negligence, strict liability, statute or any other theory, and whether or not CardDirector has been advised of the possibility of such damages.

To the fullest extent permitted by applicable law, the total aggregate liability of CardDirector LLC and those parties for all claims arising out of or relating to the Services or these Terms will not exceed the greater of the total amount you actually paid to CardDirector or to the Merchant of Record for the Subscription in the twelve (12) months immediately preceding the event giving rise to the claim, or one hundred United States dollars (USD 100).

The limitations in this Section apply even if a limited remedy fails of its essential purpose, and they reflect a reasonable allocation of risk that forms an essential basis of the bargain between you and CardDirector. Without them, the Services would be offered on materially different terms or not at all.

Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, gross negligence, willful misconduct, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.

You agree to indemnify, defend and hold harmless CardDirector LLC and its members, managers, employees, contractors, agents, suppliers and licensors against any third-party claim, and any loss, liability, damage, cost or expense including reasonable attorneys' fees arising from such a claim, to the extent it is caused by your breach of these Terms, your infringement or misappropriation of a third party's intellectual property or other rights, your unlawful or fraudulent conduct, your violation of a marketplace or data provider's terms, or a representation you made to a third party that CardDirector had certified, appraised, authenticated or graded an item.

This indemnity does not extend to claims arising from CardDirector's own breach, negligence or misconduct, to disputes between you and CardDirector, or to your ordinary use of the Services in accordance with these Terms. Your decisions about what to buy, grade, submit, list, price, sell or retain are your own and are addressed by the disclaimers and liability provisions above rather than by this indemnity. Your liability under this indemnity is reduced proportionately to the extent the claim is attributable to CardDirector or any other person. CardDirector will notify you promptly of any claim, will not settle it without your consent, and will allow you to control the defense with counsel of your choice.

Some jurisdictions do not allow certain limitations of liability. In those jurisdictions liability is limited to the fullest extent permitted by law.

24. Suspension, Termination and Changes

CardDirector may suspend, restrict or terminate your access to all or part of the Services, with or without notice where the circumstances reasonably require it, in any of the following cases: suspected fraud, payment failure, chargeback or unauthorized transaction; breach of these Terms, the EULA or the Billing Policy; conduct that creates a security, legal or reputational risk; breach of a third-party provider's terms, or a provider's requirement that access be withdrawn; abuse of the money-back guarantee, license controls, rate limits or promotional offers; or where required by law.

Where the circumstances permit, CardDirector will give you notice and, in the case of a curable breach, a reasonable opportunity to cure before terminating paid access. Nonpayment is subject to any applicable notice and grace provisions described in the Billing Policy.

You may terminate at any time by canceling your Subscription and ceasing use of the Services. Cancellation is governed by Section 13 and the Billing Policy.

On termination or expiration, your license to use the paid features of the Software ends and the Software moves to Read Only mode. Local Records remain on your computer and remain your responsibility. CardDirector has no obligation to retain, retrieve, restore or migrate any record for you after termination, other than as required by law or by the Privacy Notice.

CardDirector may modify these Terms as the Services, provider arrangements, billing model and legal requirements change. Changes are never retroactive and are handled in one of three ways.

First, a change that does not reduce your rights, such as a clarification, a drafting correction or a change of contact details, is published with a revised effective date and version number. Where you hold an active account or Subscription you are notified by email or in the Software at least fourteen (14) days before it takes effect, and continued use after that date constitutes acceptance.

Second, a price increase requires thirty (30) days' advance notice and is governed by Section 3 of the Billing Policy.

Third, a change that materially reduces your rights, including any change to the arbitration agreement, the class waiver, the limitation of liability, the license scope, the Fourteen Day Money-Back Guarantee, or the introduction of a new fee, does not take effect against you through continued use. CardDirector will ask you to accept it affirmatively, normally through a blocking acceptance screen at next launch, and will record that acceptance.

If you decline a material change, you may continue on the version you already accepted until the end of the paid term you have already paid for and then cancel, or cancel immediately and receive a pro rata refund of the unused part of that term. CardDirector will not withdraw access you have already paid for because you declined a change. Changes to Section 25 are additionally subject to the notice and opt-out provisions of that Section.

Sections 2, 6, 7, 8, 16, 18, 19, 20, 22, 23, 24 and 25, and any other provision that by its nature should survive, survive termination.

25. Dispute Resolution, Governing Law and General Provisions

25.1 Informal resolution

Before commencing arbitration or any proceeding, please contact CardDirector at support@carddirector.com with a written description of the dispute, the relief sought and your contact details, and allow sixty (60) days for good faith resolution. Most disputes are billing questions that support can resolve in days, so this step usually gets you a faster answer than a filing would.

This step is not a bar to your claim. Failing to use it, or filing before the sixty days have run, does not prevent you from bringing or continuing a claim and gives CardDirector no defense. South Dakota law treats a contract term that restricts a party from enforcing its rights through the usual legal proceedings as void, and CardDirector does not ask you to give up that protection. Agreements to arbitrate are expressly preserved by that same provision and are unaffected.

25.2 Binding individual arbitration

If the dispute is not resolved, you and CardDirector agree that any dispute, claim or controversy arising out of or relating to the Services, these Terms, or their breach, termination, enforcement, interpretation or validity, including the question of arbitrability, will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules then in effect, rather than in court. The Federal Arbitration Act governs the interpretation and enforcement of this Section. The arbitration will be conducted by a single arbitrator, seated in Minnehaha County or Lincoln County, South Dakota, or, at your election, in the federal judicial district where you reside, or by telephone, videoconference or on documents only. The arbitrator may award any relief available in court on an individual basis and the award may be entered as a judgment in any court of competent jurisdiction.

25.3 Exceptions

Either party may bring an individual claim in small claims court if it qualifies. Either party may seek injunctive or equitable relief in court to protect intellectual property rights, confidential information, or to prevent unauthorized access to the Services.

25.4 Class action waiver

You and CardDirector agree that each may bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, coordinated, private attorney general or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of representative proceeding. If this class action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in court, and the remainder will proceed in arbitration.

25.5 Mass arbitration

If twenty-five (25) or more similar demands for arbitration are filed against CardDirector by or with the assistance of the same or coordinated counsel, the AAA Mass Arbitration Supplementary Rules apply and govern. This Section supplements those rules and does not displace them. Where this Section and the AAA rules cannot be read together, the AAA rules govern and a process arbitrator appointed under them decides any dispute about that.

Within that framework, the parties agree that demands may be administered in sequential batches of no more than fifty (50), with a single arbitrator appointed per batch, and that the limitation period for any claim awaiting its batch is tolled until that batch is reached so that no claimant loses a claim by waiting. Every claim is decided individually on its own merits. No claim is used as a test or bellwether case, no outcome in one batch determines or binds the outcome of any other claim, and no claimant is denied discovery, a hearing, or any other right the applicable AAA rules give them because their claim is in a later batch.

25.6 Thirty day right to opt out

You may opt out of Sections 25.2, 25.4 and 25.5 by sending written notice to support@carddirector.com with the subject line "Arbitration Opt-Out", stating your name, the email address associated with your account, and your intention to opt out, within thirty (30) days of first accepting these Terms. Opting out does not affect any other provision of these Terms and will not affect your access to the Services.

25.7 Governing law and venue

These Terms and any dispute arising out of them are governed by the laws of the State of South Dakota, without regard to its conflict of laws rules, except that the Federal Arbitration Act governs Section 25.2. Where arbitration does not apply, or where a party has opted out, the state and federal courts located in Minnehaha County or Lincoln County, South Dakota have exclusive jurisdiction, and each party consents to personal jurisdiction and venue there. This Section does not deprive a consumer of the protection of any mandatory law of the state in which that consumer resides.

25.8 Limitation period

CardDirector does not shorten the time you have to bring a claim. The limitation period for any claim arising out of or relating to the Services or these Terms is the period set by the applicable statute, and nothing in these Terms reduces it. South Dakota law, which governs these Terms, provides that a contract term limiting the time to enforce rights is void, so a shortened contractual period would not be enforceable here in any event. Section 25 of the End User License Agreement says the same thing, and the two are intended to operate identically.

25.9 General

These Terms, together with the EULA, the Billing Policy and any terms presented at checkout, constitute the entire agreement between you and CardDirector regarding the Services and supersede all prior understandings, communications and marketing statements. The Privacy Notice is a notice and is not part of that agreement, which does not reduce its effect: CardDirector is bound by what it says about personal information whether or not it is a contractual term. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will continue in full force. CardDirector's failure to enforce any provision is not a waiver. You may not assign or transfer these Terms without CardDirector's prior written consent; CardDirector may assign them in connection with a merger, acquisition, reorganization or sale of assets. Nothing in these Terms creates any partnership, joint venture, employment, franchise or agency relationship. There are no third-party beneficiaries other than the indemnified parties identified in Section 23. Neither party is liable for any failure or delay caused by an event beyond its reasonable control, except for payment obligations. This provision limits liability for breach and damages only. It does not limit, reduce or exclude the no-fault remedies in Section 10 of the Billing Policy, which are owed regardless of the cause of the unavailability, including a cause beyond CardDirector's control. Notices to CardDirector must be sent to the address or email below and are effective on receipt.

25.10 Contact

CardDirector LLC, 5013 S Louise Ave #1123, Sioux Falls, SD 57108, United States. General and terms inquiries: support@carddirector.com. Billing, cancellation and refunds: billing@carddirector.com. Privacy requests: privacy@carddirector.com. Website: www.carddirector.com.