Terms of Service

1. Acceptance of Terms

By accessing or using MyCardRep ("the Service") at mycardrep.com, you ("User," "you," or "your") agree to be legally bound by these Terms of Service ("Terms"). These Terms constitute a binding legal agreement between you and MyCardRep. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

We reserve the right to modify these Terms at any time. Continued use of the Service after any modification constitutes acceptance of the updated Terms. It is your responsibility to review these Terms periodically.

2. Nature of the Service — Information Platform Only

MyCardRep is strictly an information and reputation platform. We provide tools that allow users to build and share trading reputation profiles, log deals, and submit reviews of other traders.

MyCardRep does not:

• Facilitate, broker, arrange, or participate in any transaction between users
• Handle, hold, transfer, or guarantee any payment or funds
• Verify the identity of any user beyond basic account registration
• Independently verify the accuracy of any review, deal log, reputation score, or profile information
• Guarantee, warrant, or insure the outcome of any transaction between users
• Act as an escrow, intermediary, or party to any transaction

All transactions, trades, sales, and deals occur entirely outside of MyCardRep between independent parties. MyCardRep has no involvement in, control over, or responsibility for any such transactions.

3. No Guarantee of Trustworthiness

CRITICAL DISCLAIMER: A user's reputation score, tier, badge, review count, or any other metric displayed on MyCardRep does not constitute a guarantee, warranty, endorsement, or verification of that user's trustworthiness, identity, honesty, or ability to complete any transaction.

Reputation data on MyCardRep is entirely user-submitted and unverified. MyCardRep makes no representation as to the accuracy, completeness, reliability, or timeliness of any reputation information displayed on the Service.

You acknowledge and agree that:

• MyCardRep reputation information is one tool among many and should never be your sole basis for deciding to transact with another user
• You use MyCardRep reputation information entirely at your own risk
• MyCardRep is not responsible for any loss, damage, or harm you suffer as a result of transacting with another user, regardless of that user's reputation on our platform
• We strongly recommend using a payment method that includes a buyer and seller dispute mechanism for all offline transactions regardless of a counterparty's MyCardRep reputation

4. Eligibility

You must be at least 13 years of age to use the Service. By using MyCardRep, you represent and warrant that you are at least 13 years old. If you are between 13 and 17 years of age, you represent that you have obtained your parent or legal guardian's consent to use the Service and that your parent or guardian has reviewed and agreed to these Terms on your behalf.

MyCardRep reserves the right to terminate your account and refuse service if we have reason to believe you do not meet these eligibility requirements.

5. Account Registration and Security

You agree to provide accurate, current, and complete information when creating your account and to keep your account information up to date. You are solely responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account, whether or not authorized by you
• Notifying us immediately of any unauthorized use of your account

MyCardRep is not liable for any loss or damage arising from your failure to maintain account security. You may not share your account, transfer it to another person, or create multiple accounts for the purpose of manipulating the reputation system.

6. Prohibited Conduct

You agree not to use MyCardRep to engage in any of the following:

• Submitting false, misleading, fabricated, or fraudulent reviews, deal logs, or profile information
• Artificially inflating your reputation through fake accounts, coordinated review exchanges, collusion rings, or any other manipulative means
• Creating multiple accounts for any purpose, including evading a ban or manipulating reputation scores
• Impersonating any person, entity, or MyCardRep itself
• Harassing, threatening, stalking, or intimidating any user
• Using information obtained from the Service to harass, threaten, or target any user outside of the platform
• Posting defamatory, obscene, hateful, or unlawful content
• Attempting to gain unauthorized access to the Service, other users' accounts, or our systems
• Scraping, crawling, or otherwise extracting data from the Service without our express written permission
• Using the Service for any illegal purpose or in violation of any applicable law or regulation
• Interfering with or disrupting the integrity or performance of the Service
• Engaging in any conduct that MyCardRep, in its sole discretion, determines to be harmful to the community

Violation of these prohibitions may result in immediate account suspension or termination without notice, at our sole discretion.

7. User Content

You are solely responsible for all reviews, deal logs, profile information, photographs, responses, and any other content you submit to the Service ("User Content"). By submitting User Content, you represent and warrant that:

• You have the right to submit the content and grant the licenses described herein
• The content is accurate and based on your genuine personal experience
• The content does not violate any applicable law, these Terms, or the rights of any third party
• Reviews are based solely on transactions you personally participated in

By submitting User Content, you grant MyCardRep a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, display, reproduce, distribute, and adapt your User Content in connection with operating and improving the Service.

Reviews and deal logs may remain publicly visible indefinitely, including after account deletion, as they form part of the permanent community trust record. You understand and accept this before submitting any content.

MyCardRep reserves the right, but not the obligation, to review, monitor, remove, or edit any User Content at our sole discretion and without notice.

8. Card Board Listings

MyCardRep provides a bulletin board feature called "Card Board" that allows users to post cards they wish to trade or sell offline. You acknowledge and agree that:

• Card Board listings are provided for informational purposes only
• MyCardRep does not facilitate, broker, or participate in any transaction arising from a listing
• All sales, trades, and exchanges are arranged entirely between independent parties off-platform
• MyCardRep makes no representation as to the accuracy of any listing, the condition of any item, or the trustworthiness of any seller
• MyCardRep is not responsible for any loss, damage, fraud, or dispute arising from any transaction facilitated by a listing on this platform
• Listings expire after 30 days and may be removed at our sole discretion
• You are solely responsible for the accuracy of any listing you post

9. Reviews and the Reputation System

The MyCardRep reputation system is designed to provide community-sourced information about traders. You acknowledge and agree that:

• All reviews are user-submitted opinions and have not been independently verified by MyCardRep
• MyCardRep makes no representation as to the accuracy or reliability of any review
• Reputation scores, tiers, and badges are calculated automatically based on user-submitted data and do not reflect any independent assessment by MyCardRep
• The reputation system is subject to manipulation despite our anti-fraud measures, and MyCardRep is not liable for any harm resulting from manipulated reputation data
• MyCardRep reserves the right to adjust, recalculate, or remove reputation data at any time in its sole discretion

10. Section 230 Notice

MyCardRep is an interactive computer service as defined under Section 230 of the Communications Decency Act (47 U.S.C. § 230). MyCardRep is not the publisher or speaker of any User Content submitted by third-party users and is not liable for any User Content under federal law. Users, not MyCardRep, are responsible for the content they submit.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

MyCardRep does not warrant that:

• The Service will be uninterrupted, error-free, or free of viruses or other harmful components
• Any information on the Service is accurate, complete, reliable, or current
• The Service will meet your requirements or expectations
• Any defects in the Service will be corrected

Your use of the Service is entirely at your own risk.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MYCARDREP AND ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO:

• Losses arising from transactions between users, including failed trades, non-payment, fraud, or non-delivery
• Losses arising from reliance on any reputation score, tier, badge, review, or other information on the Service
• Loss of profits, revenue, data, goodwill, or other intangible losses
• Unauthorized access to or alteration of your account or data
• Any failure or interruption of the Service
• Any conduct or content of any third party on the Service

IN NO EVENT SHALL MYCARDREP'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO MYCARDREP IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to defend, indemnify, and hold harmless MyCardRep and its owners, operators, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of or access to the Service
• Your User Content
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third party's rights
• Any transaction you enter into with another user of the Service

14. Termination

MyCardRep reserves the right to suspend or terminate your account and access to the Service at any time, with or without cause, and with or without notice, at our sole discretion. Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 7, 10, 11, 12, 13, and 15.

15. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the federal or state courts located in the United States, and you irrevocably consent to the personal jurisdiction of such courts.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MyCardRep with respect to the Service and supersede all prior agreements, understandings, and communications between you and MyCardRep regarding the Service.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and effect.

18. Contact

If you have questions about these Terms of Service, please contact us at [email protected].