> For the complete documentation index, see [llms.txt](https://cardsiq.gitbook.io/cardsiq-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://cardsiq.gitbook.io/cardsiq-docs/terms-and-policies/terms-of-service.md). # Terms of Service The complete terms and conditions governing your use of the CardsIQ Platform, including Partner accounts, Seller transactions, payments, settlements, and related services. **Last Updated:** July 21, 2026 ## 1. Introduction and Acceptance of Terms Welcome to CardsIQ. These Terms of Service ("Terms") are a legally binding agreement between you and **CardsIQ, LLC** ("CardsIQ," "we," "our," or "us") governing your access to and use of the CardsIQ website, partner portal, seller experience, software, dashboards, wallet interfaces, verification workflows, inventory tools, repack curation tools, settlement tools, reporting features, and related services (collectively, the **"Platform"**). CardsIQ provides software infrastructure designed for the collectibles industry. Through the Platform, approved businesses may operate self-funded buyback programs, manage inventory, curate repack products, review and approve transactions, coordinate verification, maintain transaction records, and facilitate payments and settlement through supported third-party providers. Sellers may use the Platform to submit eligible collectibles for consideration, complete required verification, receive or review buyback offers from participating businesses, and receive payment following approval and settlement. By creating an account, accessing or using the Platform, connecting an account or wallet, submitting information, initiating or approving a transaction, accepting an offer, or otherwise using any part of the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. These Terms incorporate by reference our Privacy Policy, Cookie Policy, Risk Disclosure Statement, Intellectual Property Policy, DMCA Policy, and any product-specific rules, disclosures, or policies presented through the Platform. Collectively, those documents and these Terms form the **"Agreement."** If you do not agree to the Agreement, you may not access or use the Platform. **IMPORTANT NOTICE:** These Terms contain an arbitration agreement and class action waiver. Except where prohibited by law or where a separate written agreement controls, disputes must be resolved through binding individual arbitration rather than in court. Please review the Dispute Resolution section carefully. ### Defined Terms For purposes of the Agreement: * **"Account"** means an account used to access the Platform. * **"Authorized User"** means an individual authorized by a Partner to access or administer its Partner Account. * **"Buyback Transaction"** means a proposed or completed purchase of an eligible collectible by a Partner from a Seller through the Platform. * **"Collectible"** means any supported trading card, graded card, raw card, sealed pack, sealed box, encased product, memorabilia, or other item category made available through the Platform. * **"Inventory"** means collectible-related records, certification numbers, quantities, values, product details, images, transaction status, or other data entered into or maintained through the Platform. * **"Marketplace Account"** means an account a Seller maintains with a third-party live-shopping, marketplace, social-commerce, breaking, or collectibles platform. * **"Offer"** means a proposed purchase price or buyback amount made available to a Seller by or on behalf of a Partner. * **"Partner"** means a business approved by CardsIQ to use the Platform to operate a buyback program, manage Inventory, curate repack products, fund transactions, and use other Partner-facing tools. * **"Partner Account"** means the Account through which a Partner and its Authorized Users access the partner portal. * **"Partner Agreement"** means any separate written order form, services agreement, license agreement, statement of work, or other commercial agreement between CardsIQ and a Partner. * **"Payment Provider"** means Coinflow or any other third-party provider used to support payments, onboarding, identity verification, compliance, wallet funding, settlement, withdrawals, or related services. * **"Platform Data"** means data generated through operation of the Platform, including transaction, usage, performance, security, risk, and analytical data. * **"Repack"** means a curated collectible product containing one or more items, whether randomized, fixed, tiered, or otherwise assembled for sale or distribution by a Partner. * **"Seller"** means an individual or entity using the Platform to submit a Collectible, receive or review an Offer, complete verification, or participate in a Buyback Transaction with a Partner. * **"Services"** means the software, tools, workflows, features, and related services made available through the Platform. * **"Settlement"** means the completion or recording of payment or value transfer in connection with a supported transaction. * **"Settlement Balance"** means funds or digital assets designated for supported Partner transactions, as reflected through the Platform or a Payment Provider. * **"Wallet"** means a digital wallet, embedded wallet, delegated wallet, settlement wallet, or other blockchain-enabled account used for supported Platform activity. ### Relationship Between CardsIQ, Partners, and Sellers CardsIQ provides software and operational infrastructure. Unless CardsIQ is expressly identified in writing as a party to a specific transaction, CardsIQ is not the purchaser or seller of a Collectible and does not independently operate a Partner's buyback program. Partners independently control their business decisions, including their supported Collectibles, buyback criteria, pricing, approval decisions, Inventory, Repack products, customer relationships, and transaction funding. CardsIQ may provide suggested values, workflow rules, fraud indicators, automated calculations, transaction statuses, verification tools, or other information. Those tools assist the Partner but do not replace the Partner's independent judgment or legal responsibilities. Nothing in the Agreement creates a partnership, joint venture, agency, employment, franchise, fiduciary, brokerage, advisory, or trustee relationship between CardsIQ and any Partner, Seller, or other user. A Partner is not authorized to bind CardsIQ, make representations on CardsIQ's behalf, or hold itself out as an agent of CardsIQ. ### Partner Agreements A Partner may also be subject to a separate Partner Agreement. If a Partner Agreement conflicts with these Terms, the Partner Agreement controls with respect to that Partner and the subject matter of the conflict. These Terms continue to apply to all matters not specifically addressed by the Partner Agreement. ### Electronic Communications and Signatures By creating an Account or using the Platform, you consent to receive agreements, notices, disclosures, transaction updates, security alerts, verification requests, policy updates, and other communications electronically, including by email, in-platform notification, or other electronic means. You agree that electronic communications and electronic acceptance methods satisfy any legal requirement that a communication, agreement, or signature be in writing, including under the federal E-SIGN Act and applicable state law. Consent to receive marketing text messages is separate and must be obtained through any affirmative opt-in presented for that purpose. Providing a phone number for authentication, verification, or transaction communications does not by itself constitute consent to receive promotional text messages. ### Changes to These Terms CardsIQ may update these Terms to reflect changes to the Platform, law, regulation, security practices, third-party services, or business operations. For material changes, CardsIQ will update the Last Updated date and may provide notice through the Platform or by email. Material changes apply prospectively unless immediate application is reasonably necessary to address legal, regulatory, fraud, security, or operational risk. Your continued use of the Platform after revised Terms become effective constitutes acceptance of the revised Terms. If you do not agree to revised Terms, you must stop using the Platform. ## 2. About the CardsIQ Platform CardsIQ is a hosted software platform that provides tools for businesses operating in the collectibles industry. Depending on the Account type and services enabled, the Platform may support: * self-funded instant buyback programs; * offer creation, review, approval, rejection, and transaction status management; * Inventory uploads, valuation fields, certification records, availability statuses, and transaction-linked Inventory movements; * Seller onboarding and verification workflows; * Marketplace Account connection or ownership-verification workflows; * Partner Wallet and Settlement Balance visibility; * deposits, payouts, withdrawals, escrow-like workflows, or Settlement through supported Payment Providers; * transaction ledgers, reconciliation records, fees, reporting, exports, and analytics; * Authorized User roles, permissions, approvals, and administrative controls; * Repack planning, Inventory allocation, curation, product composition, and related records; * market data, recent sales information, estimated values, and pricing-support tools; * fraud, risk, duplicate-submission, and transaction-review tools; and * other features introduced by CardsIQ. The Platform is not an accounting system of record, tax preparation service, appraisal service, legal service, investment service, or substitute for a Partner's internal controls. Partners should maintain their own books, transaction support, approval procedures, and compliance records. ### Platform Modifications CardsIQ may add, modify, limit, suspend, replace, or discontinue any feature, workflow, integration, provider, supported Collectible category, or portion of the Services at any time. CardsIQ does not guarantee that a particular feature, provider, Marketplace Account connection, valuation source, payment rail, or blockchain network will remain available. ### No Guaranteed Transaction Outcome Access to the Platform does not guarantee: * that a Seller will receive an Offer; * that a Partner will approve a transaction; * that a specific price or value will be offered; * that a transaction will pass verification; * that a payment method or Settlement rail will be available; * that a Repack product will satisfy any marketplace, regulatory, or commercial requirement; or * that any Collectible can be resold or liquidated at a particular price. ## 3. Eligibility and Geographic Restrictions You must be at least eighteen years old and have the legal capacity to enter into a binding agreement to use the Platform. If you use the Platform on behalf of a company, organization, or other entity, you represent and warrant that: * the entity is validly organized and authorized to conduct its business; * you have authority to bind the entity to the Agreement; * all information you provide is complete and accurate; and * the entity's use of the Platform complies with applicable law. CardsIQ may impose different eligibility, verification, or onboarding requirements for Partners and Sellers. ### Restricted Persons and Jurisdictions You may not use the Platform if: * your use is prohibited by applicable law; * you are located in, ordinarily resident in, or organized under the laws of a jurisdiction subject to comprehensive sanctions or where the relevant Services are unavailable; * you appear on a sanctions, blocked-person, denied-person, or restricted-party list maintained by the United States or another applicable authority; * you are acting on behalf of a prohibited or sanctioned person; or * CardsIQ or a Payment Provider has suspended or prohibited your access. You may not use a VPN, proxy, false identity, intermediary, or other method to evade geographic, sanctions, identity, or compliance controls. CardsIQ may restrict the Platform or any feature by jurisdiction, Account type, transaction type, payment method, Collectible category, or regulatory classification. ## 4. Accounts, Authentication, and Security You may be required to create an Account using supported authentication methods. Authentication and embedded wallet functionality may be provided through third-party services such as Privy. You agree to: * provide accurate, complete, and current information; * maintain the confidentiality and security of your credentials and devices; * use reasonable security measures, including multifactor authentication when available; * promptly notify CardsIQ of suspected unauthorized access; * keep contact, ownership, tax, and business information current; * not sell, transfer, lease, or share your Account; and * not create or control Accounts for fraudulent, deceptive, or prohibited purposes. You are responsible for activity conducted through your Account, including activity by Authorized Users, except to the extent caused directly by CardsIQ's failure to use commercially reasonable security measures. ### Authorized Users and Permissions Partners may invite Authorized Users and assign roles or permissions. The Partner is responsible for: * determining who may access its Partner Account; * granting appropriate permissions; * reviewing approval and administrative authority; * promptly removing access when it is no longer appropriate; * supervising Authorized Users; and * all actions taken by Authorized Users within the scope of their access. CardsIQ may rely on instructions submitted through a Partner Account as authorized by the Partner. ### Account Recovery Account or Wallet recovery may depend on third-party authentication, device, email, cloud recovery, multifactor authentication, or other recovery methods. CardsIQ does not guarantee that access can be recovered if credentials, recovery methods, or devices are lost or compromised. ### Account Review CardsIQ may review Accounts and request additional information at any time. CardsIQ may restrict or suspend access while investigating suspected fraud, security incidents, sanctions exposure, unauthorized use, legal violations, disputes, chargebacks, provider requests, or inaccurate information. ## 5. Partner Accounts and Responsibilities Partners use the Platform to operate their own buyback and collectibles-related programs. Each Partner is solely responsible for its business, decisions, customers, products, Inventory, funding, disclosures, and compliance. ### Partner Onboarding CardsIQ may require a Partner and its owners, controllers, officers, or representatives to complete onboarding, underwriting, identity verification, business verification, sanctions screening, tax documentation, or other review. Approval as a Partner is discretionary and may be conditioned on: * execution of a Partner Agreement; * successful Payment Provider onboarding; * completion of business and beneficial-owner verification; * maintenance of required funding; * compliance with CardsIQ policies; * operational readiness; and * any other risk or legal requirements. CardsIQ may deny, condition, limit, suspend, or revoke Partner access at any time as permitted by the Agreement. ### Self-Funded Buyback Programs Unless CardsIQ expressly agrees otherwise in writing, each Partner operates a self-funded buyback program. The Partner is solely responsible for: * funding its Settlement Balance; * maintaining sufficient funds to cover Offers, approved transactions, fees, reversals, refunds, reserves, and other obligations; * monitoring its available and pending balances; * determining the maximum transaction volume it can support; * avoiding approval of transactions that exceed available funding; * reconciling deposits, deductions, fees, and Settlements; and * promptly addressing any negative, restricted, or insufficient balance. CardsIQ has no obligation to advance funds, finance a Partner's transactions, extend credit, cover a shortfall, or complete a transaction when funding is unavailable. Any voluntary advance, accommodation, or exception by CardsIQ does not create an ongoing obligation. CardsIQ may automatically pause, disable, reject, or delay new buybacks when a Partner's available funding falls below a required threshold or when CardsIQ reasonably determines that continued transaction activity creates settlement, fraud, regulatory, or operational risk. ### Offer and Approval Decisions Partners independently determine: * which Collectibles are eligible; * which Sellers or Marketplace Accounts they support; * offer methodology and buyback percentages; * whether to approve, reject, revise, or request additional review; * whether submitted information is sufficient; * how to handle exceptions; and * whether a transaction is consistent with the Partner's policies. CardsIQ may allow a Partner to configure automated or rules-based Offers. The Partner remains responsible for reviewing its settings, safeguards, limits, data inputs, and resulting Offers. A Partner must not approve a transaction when required verification has not been completed, ownership is unclear, information is materially inconsistent, funding is insufficient, or fraud or illegality is suspected. ### Inventory Management The Platform may allow Partners to upload, edit, categorize, value, allocate, escrow, complete, or remove Inventory records. Partners are solely responsible for the accuracy and completeness of Inventory data, including: * grader and certification number; * item identity, subject, set, year, variation, and grade; * quantity and availability; * acquisition cost, estimated value, and internal pricing; * ownership and title; * status and allocation; * Repack assignment; and * any images, notes, labels, or descriptions. CardsIQ does not independently verify every Inventory entry and is not liable for losses caused by inaccurate, duplicated, omitted, stale, or unauthorized Inventory data entered by a Partner or its Authorized Users. The Platform's Inventory records do not by themselves establish legal title, physical possession, authenticity, insurance coverage, custody, or accounting treatment. ### Repack Curation Tools The Platform may provide tools to assist Partners with Repack planning, Inventory allocation, product composition, floor and ceiling calculations, value ranges, labels, reporting, or product records. Unless expressly stated in a separate written agreement, the Partner is the creator, operator, manufacturer, distributor, and seller of its Repack products and is solely responsible for: * selecting and owning or controlling the included Inventory; * ensuring each product is lawful in every jurisdiction where it is offered; * determining and disclosing product configuration, quantity, odds, floors, ceilings, values, and eligibility rules; * ensuring marketing statements are truthful and not misleading; * complying with marketplace, platform, consumer-protection, advertising, sweepstakes, gaming, gambling, and disclosure rules; * maintaining records supporting stated values and product composition; * product fulfillment, customer service, refunds, disputes, and taxes; and * obtaining any required permits, licenses, approvals, or legal review. CardsIQ's tools, calculations, templates, curation support, labels, data, or suggested values do not constitute legal approval, regulatory approval, certification, endorsement, insurance, or a guarantee that a Repack is compliant, profitable, accurately valued, or accepted by a third-party marketplace. A separate license, manufacturing, sealing, certification, or services agreement may impose additional requirements. In the event of a conflict, that agreement controls for the applicable services. ### Partner Compliance and Customer Obligations Each Partner must: * comply with all laws and rules applicable to its business and transactions; * provide clear terms and disclosures to Sellers where required; * honor approved Offers and completed transactions; * respond to Seller disputes and support requests relating to the Partner's decisions; * maintain required business licenses, registrations, tax accounts, and insurance; * avoid unfair, deceptive, abusive, or discriminatory practices; * protect Seller information and use it only for permitted purposes; * maintain reasonable fraud prevention and internal approval controls; and * cooperate with CardsIQ, Payment Providers, law enforcement, regulators, and marketplace platforms when legally required. A Partner may not represent that CardsIQ guarantees the Partner's products, pricing, solvency, compliance, customer service, or transaction performance. ## 6. Seller Accounts and Responsibilities Sellers use the Platform to interact with participating Partners. A Seller's Buyback Transaction is generally with the applicable Partner, not CardsIQ. ### Seller Information and Representations By submitting a Collectible or participating in a Buyback Transaction, the Seller represents and warrants that: * the Seller owns the Collectible or is fully authorized by its owner to sell it; * the Collectible is not stolen, counterfeit, unlawfully obtained, pledged, encumbered, or subject to another person's claim; * all submitted information is accurate, complete, current, and not misleading; * certification numbers, grading company information, grades, item descriptions, and account details are accurate; * the Seller has not altered, tampered with, duplicated, or manipulated supporting documentation; * the Seller has not submitted the same Collectible for conflicting transactions; * the Seller's Marketplace Account belongs to the Seller or is lawfully controlled by the Seller; * the Seller is legally permitted to complete the transaction; and * the transaction does not violate any third-party platform rule, contract, or law. ### Partner-Specific Programs Partners may establish additional eligibility, timing, product, verification, or transaction rules. Those Partner rules apply in addition to these Terms, provided they do not authorize conduct prohibited by the Agreement or applicable law. CardsIQ does not control or guarantee a Partner's customer service, transaction criteria, approval decision, Offer amount, or response time. ### No Guaranteed Offers A Seller is not entitled to an Offer merely by creating an Account, connecting a Marketplace Account, completing verification, or submitting a Collectible. A Partner may decline, revise, withdraw, or allow an Offer to expire before acceptance, subject to any binding commitments shown through the Platform. ## 7. Buyback Transactions The Platform facilitates workflows through which Sellers and Partners may complete Buyback Transactions. ### Transaction Lifecycle A Buyback Transaction may include some or all of the following stages: 1. Seller submission or transaction creation. 2. Market data retrieval or estimated valuation. 3. Offer generation or Partner review. 4. Seller acceptance. 5. Partner verification and approval. 6. Funding or escrow initiation. 7. Settlement processing. 8. Completion, rejection, cancellation, reversal, or dispute review. The exact workflow may vary by Partner, Collectible, Payment Provider, Marketplace Account, or product configuration. ### Offers Offers may be generated using Partner settings, CardsIQ software, third-party market data, proprietary calculations, or manual Partner review. Unless the Platform expressly states otherwise: * an unaccepted Offer may change or expire; * an Offer is not guaranteed until accepted and approved under the applicable workflow; * acceptance remains subject to verification, fraud review, compliance review, Partner funding, Payment Provider approval, and technical completion; * an accepted Offer may be cancelled or adjusted if information is inaccurate, verification fails, a pricing or software error is identified, ownership cannot be confirmed, or the transaction is prohibited; and * market movement after acceptance does not require a Partner or CardsIQ to increase the Offer. ### Binding Effect When the Platform displays that a transaction has been accepted and approved, the Seller and Partner agree to complete the transaction according to the displayed terms and applicable Partner rules, subject to verification, compliance, funding, and Settlement. CardsIQ's transaction status is evidence of the workflow state reflected in CardsIQ's records but may be corrected for error, fraud, duplicate processing, unauthorized activity, blockchain reorganization, provider correction, or reconciliation. ### Verification Before Settlement A transaction may remain pending until all required verification is complete. CardsIQ or the Partner may request additional documentation, images, account evidence, invoices, break history, transaction history, identity documents, tax information, wallet confirmation, or other supporting information. Failure to respond may result in delay, rejection, cancellation, suspension, or reporting to an applicable provider or authority. ### Cancellations and Reversals A transaction may be cancelled, rejected, held, or reversed when: * required verification fails or is incomplete; * the Seller lacks ownership or authority; * submitted details are inaccurate or inconsistent; * fraud, manipulation, duplication, counterfeit activity, or prohibited conduct is suspected; * the Partner lacks sufficient funding; * a Payment Provider rejects, returns, or reverses a transfer; * a technical, pricing, or data error materially affected the transaction; * the transaction violates law, sanctions, provider rules, or the Agreement; or * reversal is required by a court, regulator, bank, network, or Payment Provider. Where funds have already been credited, the Seller or Partner authorizes CardsIQ and its Payment Providers to debit, net, withhold, or recover amounts associated with a valid reversal, duplicate payment, chargeback, refund, correction, or negative balance, to the extent permitted by law. ### Partner-Seller Disputes Partners and Sellers should first attempt to resolve disputes relating to pricing, eligibility, product condition, ownership, or Partner-specific requirements directly with one another. CardsIQ may provide records, facilitate communication, place temporary holds, or review Platform activity, but CardsIQ is not required to adjudicate every Partner-Seller dispute and is not liable for a Partner's independent decision. ## 8. Verification, KYC, AML, and Compliance CardsIQ and its Payment Providers may require identity verification, business verification, beneficial-owner verification, tax information, sanctions screening, anti-money-laundering review, fraud review, or enhanced due diligence. Coinflow may provide payment onboarding, KYC, AML, sanctions, fraud, account, and transaction review for supported payment services. Use of those services is subject to Coinflow's applicable terms, privacy policy, risk controls, eligibility requirements, and decisions. ### Information You Must Provide You agree to provide accurate and complete information requested by CardsIQ or a Payment Provider, which may include: * legal name, date of birth, address, phone number, and email; * government-issued identification; * Social Security number, taxpayer identification number, or employer identification number; * entity formation, ownership, control, and beneficial-owner information; * bank, card, wallet, or payout information; * source-of-funds or source-of-wealth information; * invoices, purchase records, transaction history, Marketplace Account history, or business records; and * any other information reasonably required for compliance, fraud prevention, or transaction review. You authorize CardsIQ to share required information with Payment Providers, identity providers, fraud providers, financial institutions, blockchain service providers, regulators, tax authorities, law enforcement, and other parties as described in the Privacy Policy or required by law. ### Marketplace Account Verification CardsIQ may support Marketplace Account verification through direct integrations, account connections, username matching, code placement, screenshots, manual review, or other methods. Marketplace Account verification only indicates that the Platform or Partner completed the available verification method at that time. It does not guarantee: * continued ownership or control of the account; * that the account is in good standing; * that a third-party marketplace endorses CardsIQ or the Partner; * that the account's transactions are authentic; * that the Seller complied with marketplace rules; or * that future verification will succeed. The Seller must provide usernames with exact capitalization and formatting where required and must not use another person's account or verification evidence. ### Collectible and Transaction Verification Verification may include review of: * certification number and grading company; * grade, label, card identity, variation, and item details; * Seller identity and Marketplace Account; * ownership and transaction eligibility; * purchase or break history; * duplicate submissions; * prior transaction or fraud history; * signs of counterfeit, alteration, tampering, reholdering, or manipulation; * pricing or market anomalies; and * any other criteria established by the Partner or CardsIQ. Verification tools reduce risk but cannot eliminate it. CardsIQ does not guarantee that every counterfeit, stolen item, false identity, manipulated sale, duplicate submission, or fraudulent transaction will be detected. ### Holds and Reporting CardsIQ or a Payment Provider may delay, hold, restrict, reject, reverse, or report activity when reasonably necessary to comply with law, sanctions, legal process, provider requirements, fraud controls, tax reporting, or risk management. CardsIQ is not required to disclose confidential fraud rules, security controls, investigation methods, legal requests, or provider risk decisions. ## 9. Payments, Coinflow, Settlement, and Transaction Funding Payment services available through the Platform may be provided by Coinflow or another Payment Provider. CardsIQ is not a bank, depository institution, card network, or regulated payment processor. Payment acceptance, onboarding, KYC, payouts, settlement rails, bank transfers, card processing, fraud review, and related regulated services may be performed by independent Payment Providers. ### Payment Provider Terms By using a supported payment feature, you agree to comply with the applicable Payment Provider's terms, privacy policy, acceptable-use rules, fees, limits, and verification requirements. A Payment Provider may independently: * approve or deny onboarding; * request information; * impose transaction or account limits; * hold or reserve funds; * reject or reverse transfers; * suspend payment functionality; * require refunds or chargeback responses; and * report activity to financial institutions, networks, regulators, tax authorities, or law enforcement. CardsIQ does not control and is not liable for a Payment Provider's independent underwriting, compliance, risk, processing, timing, or availability decisions. ### Partner Funding and Settlement Balances Partners may fund a Settlement Balance using supported rails. Deposits may be subject to processing time, confirmation, return risk, bank availability, limits, and provider review. A balance displayed through the Platform may include: * available funds; * pending deposits; * pending or reserved transaction amounts; * processing fees; * network fees; * reversals or corrections; * amounts subject to review or hold; and * ledger entries awaiting final reconciliation. Displayed balances are informational and may be adjusted to reflect final provider, bank, blockchain, or reconciliation records. Partners must maintain any minimum balance or reserve required by a Partner Agreement, Payment Provider, or Platform rule. CardsIQ may disable buybacks or other functionality when funding is insufficient. ### Settlement Settlement may occur through fiat rails, stablecoins such as USDC, blockchain transactions, internal ledger entries linked to provider transfers, or a combination of methods. Settlement timing is an estimate, not a guarantee. Timing may be affected by: * KYC, AML, sanctions, or fraud review; * Partner approval; * funding availability; * bank or card-network processing; * weekends and holidays; * provider availability; * blockchain congestion or outages; * incorrect account or wallet information; * chargeback or return risk; and * legal or regulatory requirements. ### Escrow-Like Workflows The Platform may use transaction-specific holds, smart-contract workflows, delegated settlement wallets, reserved balances, or other mechanisms described as escrow or escrow-like functionality. Unless expressly stated otherwise, use of the word "escrow" in the Platform describes a technical transaction-control workflow and does not mean that CardsIQ is acting as a licensed escrow agent, trustee, fiduciary, or attorney escrow account. The legal and operational structure of a particular escrow workflow may depend on the Payment Provider, blockchain program, Partner Agreement, and transaction configuration. ### Failed Transfers and Incorrect Information You are responsible for providing accurate bank, card, identity, and wallet information. CardsIQ is not responsible for losses caused by: * incorrect addresses or account details; * transfers sent to an address or account provided by you; * unsupported assets, chains, tokens, or payment methods; * provider rejection; * bank returns; * frozen or restricted third-party accounts; * compromised credentials; or * failure to complete verification. CardsIQ may attempt to assist with recovery but does not guarantee that a transfer can be reversed or recovered. ### Chargebacks, Returns, and Negative Balances Partners are responsible for chargebacks, returns, refunds, reversals, network assessments, provider penalties, and negative balances associated with their business or transactions, except to the extent a Partner Agreement expressly allocates responsibility differently. CardsIQ may collect amounts owed by: * deducting from a Settlement Balance; * withholding future Settlements; * invoicing the Partner; * using a Payment Provider's recovery mechanisms; * applying reserves; or * pursuing other lawful remedies. A Seller may not initiate a payment dispute, chargeback, or reversal in bad faith or as a substitute for following the applicable transaction dispute process. ## 10. Wallets, USDC, and Blockchain Services The Platform may provide or display Wallets used for supported transactions. Wallet infrastructure may be provided through Privy, Coinflow, Solana service providers, or other third parties. Wallet configuration may vary. A Wallet may be user-controlled, Partner-controlled, server-controlled, delegated, custodial, non-custodial, or subject to transaction permissions depending on the applicable product design and third-party service. ### Wallet Responsibilities You are responsible for: * securing your Account, devices, authentication methods, and recovery credentials; * reviewing wallet addresses and transaction details before approval; * using only supported assets and networks; * maintaining access to required authentication or recovery methods; * promptly reporting unauthorized activity; and * complying with Wallet and Payment Provider terms. Blockchain transactions may be irreversible once submitted and finalized. CardsIQ generally cannot reverse a transfer solely because you made an error, changed your mind, lost access, or provided an incorrect address. ### USDC and Digital Asset Risks The Platform may use USDC or another supported digital asset for Settlement. Digital assets involve risks, including: * issuer or reserve risk; * depegging; * smart-contract vulnerabilities; * network congestion; * chain halts, forks, or reorganizations; * validator or RPC failure; * wallet compromise; * regulatory changes; * asset freezes or blacklisting; and * loss caused by unsupported transfers. CardsIQ does not guarantee the value, convertibility, liquidity, availability, or regulatory treatment of any digital asset. ### Solana Network Supported blockchain transactions may be processed through the Solana network. A Solana transaction may include one or more instructions, signatures, and network fees. If an instruction fails, the transaction may fail and state changes may be reverted. CardsIQ does not own or control Solana, its validators, wallet software, RPC providers, indexers, or underlying protocols. CardsIQ is not responsible for network failures, forks, reorganizations, finality delays, inaccurate indexing, dropped transactions, priority-fee conditions, or protocol changes. CardsIQ may determine which network state, confirmation level, provider record, or canonical chain to recognize for Platform purposes. ### Wallet Balances Are Not Bank Accounts A Wallet or Settlement Balance displayed through the Platform is not a checking account, savings account, demand deposit account, or FDIC-insured bank account provided by CardsIQ. No interest is paid on displayed balances unless expressly stated in writing. Availability of withdrawals or transfers may be limited by verification, risk, legal, provider, network, or operational requirements. ## 11. Market Data, Recent Sales, Pricing, and Valuations CardsIQ may collect, license, aggregate, display, normalize, or analyze market data from public and third-party sources, including providers such as Alt, Card Ladder, GemRate, marketplaces, auction platforms, grading-company data, Partner transaction data, and other sources. Market data may include recent sales, historical sales, estimated values, population reports, liquidity indicators, trends, certification data, images, and transaction metadata. ### Informational Use Only All market data, recent sales, estimated market values, confidence scores, trends, recommendations, and pricing outputs are provided for informational and operational purposes only. They are not: * certified appraisals; * guarantees of market value; * guarantees of resale price; * offers by CardsIQ; * investment recommendations; * accounting or tax valuations; * legal opinions; or * promises of liquidity. Partners remain solely responsible for Offer amounts, purchasing decisions, pricing rules, Inventory values, and Repack disclosures. ### Third-Party Data Limitations Third-party market data may be: * delayed, incomplete, inaccurate, duplicated, or incorrectly matched; * affected by unpaid auctions, cancelled sales, returns, private transactions, or missing fees; * based on limited sales; * manipulated through shill bidding, wash trading, false listings, coordinated transactions, or other misconduct; * removed or corrected after publication; * unavailable because of provider outages, limits, licensing changes, or access restrictions; or * inconsistent across providers. CardsIQ does not warrant the accuracy, completeness, timeliness, authenticity, availability, or fitness of market data. ### Automated Valuations and Models CardsIQ may use proprietary rules, statistical methods, algorithms, artificial intelligence, machine learning, historical Platform Data, recent sales, grade relationships, liquidity indicators, outlier detection, and third-party information to generate estimates or recommendations. Automated outputs may be wrong. Models may not account for all relevant factors, including eye appeal, scarcity, provenance, market manipulation, regional demand, surface defects, label variation, autograph status, population changes, private sales, or rapid market movement. Users must independently review any automated output before relying on it. ### Pricing Errors and Corrections CardsIQ may correct, suppress, recalculate, or remove market data, valuations, recommendations, or transaction amounts affected by: * provider errors; * incorrect item matching; * software bugs; * stale caches; * duplicate sales; * data synchronization issues; * manipulated market activity; * obvious pricing errors; * incorrect certification or grade information; or * unauthorized system use. CardsIQ and Partners may decline or cancel a transaction before final Settlement when a material pricing or data error is identified. ### No Obligation to Match Market Data A Partner is not required to match a value shown by CardsIQ, Alt, Card Ladder, GemRate, a marketplace, an auction result, or any other source. An Offer may reflect factors beyond recent sales, including liquidity, volatility, concentration, Inventory needs, resale costs, risk, fees, capital requirements, verification confidence, demand, and the Partner's commercial strategy. ### Limitation for Data-Related Losses To the maximum extent permitted by law, CardsIQ is not liable for losses, missed opportunities, overpayments, underpayments, Inventory write-downs, Repack valuation issues, purchasing decisions, or other damages arising from inaccurate, delayed, unavailable, manipulated, or misunderstood market data or automated valuations. ## 12. Platform Data, Partner Data, and Analytics ### Partner and Seller Content Partners and Sellers retain ownership of content and data they submit to the Platform, subject to the rights granted in these Terms. You grant CardsIQ a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, modify for technical purposes, and otherwise use submitted content as necessary to: * provide and support the Platform; * process transactions; * complete verification and compliance review; * generate reports and analytics; * prevent fraud and secure the Platform; * communicate with users; * comply with law; and * enforce the Agreement. You represent that you have all rights and permissions necessary to provide the content and grant this license. ### Platform Data CardsIQ owns Platform Data and all derived, aggregated, statistical, analytical, risk, benchmarking, and de-identified data generated through operation of the Platform, excluding personal information to the extent ownership cannot be assigned under applicable law. CardsIQ may use Platform Data to: * operate, secure, and improve the Platform; * analyze performance and usage; * improve valuation, liquidity, fraud, and verification models; * develop new features; * create aggregated industry benchmarks; * conduct internal research; * support compliance and risk management; and * produce de-identified reports or commercial insights. CardsIQ will not publicly identify a Partner or Seller in aggregated analytics without permission, except as required by law or as otherwise permitted by the Privacy Policy. ### Confidential Partner Information Non-public business, pricing, Inventory, customer, or operational information provided by a Partner may constitute confidential information under a Partner Agreement. CardsIQ may use such information to provide the Services and may disclose it to personnel, affiliates, and service providers that need access and are subject to confidentiality obligations. ### Data Retention and Exports The Platform is not a permanent archival service. Users should maintain independent copies of records required for legal, tax, accounting, operational, or insurance purposes. CardsIQ may retain data after Account closure as reasonably necessary for: * transaction records; * fraud prevention; * dispute resolution; * legal compliance; * tax reporting; * security; * backups; and * enforcement of the Agreement. Availability, scope, and format of data exports may vary. ## 13. Fees, Billing, and Taxes Partners must pay all subscription fees, platform fees, transaction fees, processing fees, network fees, minimum commitments, reserves, or other charges stated in a Partner Agreement, order form, pricing page, invoice, or transaction disclosure. ### Billing Authorization A Partner authorizes CardsIQ and supported Payment Providers to: * deduct applicable fees from its Settlement Balance; * charge an authorized payment method; * net fees from deposits or Settlements; * apply credits or adjustments; and * recover past-due amounts. Unless otherwise stated, fees are non-refundable and are exclusive of taxes. ### Minimum Balances and Service Suspension A Partner Agreement may require a minimum available balance, monthly minimum, reserve, deposit, or other funding threshold. CardsIQ may automatically disable buybacks, restrict settlement, suspend features, or terminate access when required amounts are not maintained or invoices are past due. ### Fee Changes CardsIQ may change fees prospectively by updating pricing or providing notice. Changes do not alter fees already earned or transactions already completed unless required to correct an error or comply with law. ### Taxes Each user is responsible for determining, reporting, and paying taxes arising from its business, Inventory, transactions, payments, digital assets, or use of the Platform. CardsIQ and Payment Providers may collect tax information and issue or facilitate tax forms when required by law. You authorize required reporting to tax authorities and agree to keep tax information accurate. CardsIQ does not provide tax advice. ## 14. Third-Party Services and Marketplace Platforms The Platform depends on independent third parties, which may include: * Coinflow for payments, onboarding, KYC, compliance, fraud review, payouts, or settlement; * Privy for authentication, account management, or embedded wallet infrastructure; * Solana and related RPC, validator, wallet, and indexing providers; * Alt, Card Ladder, GemRate, marketplaces, and other market-data providers; * live-shopping, breaking, marketplace, and social-commerce platforms; * cloud hosting, communications, analytics, security, and identity providers; and * banking, card, ACH, stablecoin, and other financial networks. ### Separate Terms Your use of a third-party service may be governed by that provider's own terms and privacy policy. You are responsible for reviewing and complying with those terms. ### No Endorsement or Affiliation References to third-party platforms, grading companies, brands, marketplaces, data providers, or services are for identification and interoperability purposes only. Unless expressly stated in writing, CardsIQ is not affiliated with, endorsed by, or sponsored by Whatnot, Fanatics Live, eBay, TikTok, Alt, Card Ladder, GemRate, any grading company, or any other third party. ### Third-Party Availability and Changes Third parties may change, restrict, suspend, or discontinue services or access without notice. CardsIQ is not responsible for: * provider outages; * policy or fee changes; * access revocation; * API or data limitations; * rejected onboarding; * incorrect third-party data; * provider security incidents; * marketplace account suspensions; * payment delays or reversals; or * acts or omissions of third parties. CardsIQ may replace or discontinue a third-party integration at any time. ## 15. Intellectual Property and Licenses The Platform, including its software, design, interfaces, workflows, documentation, databases, models, algorithms, trademarks, logos, text, graphics, and other content, is owned by or licensed to CardsIQ and is protected by intellectual property laws. Subject to the Agreement, CardsIQ grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform for its intended internal business or personal transaction purposes. You may not: * copy, reproduce, distribute, sell, lease, sublicense, or commercially exploit the Platform; * reverse engineer, decompile, disassemble, or attempt to derive source code; * scrape, harvest, index, or extract data except through features expressly provided by CardsIQ; * use bots, scripts, or automated methods without written authorization; * remove proprietary notices; * use CardsIQ's trademarks or branding without permission; * frame, mirror, or create a competing service using the Platform; * circumvent access controls, rate limits, or security measures; or * use the Platform or its data to train a competing model, valuation service, marketplace, or software product. ### Partner Branding and White-Label Use CardsIQ may allow a Partner to display Partner branding within a hosted or white-label experience. The Partner grants CardsIQ a license to use its names, logos, trademarks, and content as necessary to configure and operate that experience. White-label presentation does not transfer ownership of CardsIQ software or imply that the Partner developed, owns, controls, or may copy the underlying Platform. ### Feedback If you submit ideas, suggestions, improvements, or feedback, you grant CardsIQ a perpetual, irrevocable, worldwide, royalty-free right to use and commercialize that feedback without restriction or compensation. ## 16. Acceptable Use and Prohibited Conduct You may use the Platform only for lawful, authorized purposes. You may not: * submit, buy, sell, or facilitate counterfeit, stolen, altered, tampered, unlawfully obtained, or encumbered Collectibles; * provide false, incomplete, misleading, or manipulated identity, transaction, Inventory, pricing, certification, or account information; * use another person's identity, Marketplace Account, bank account, Wallet, or verification documents without authorization; * engage in money laundering, terrorist financing, sanctions evasion, tax evasion, fraud, or other illegal activity; * manipulate market data through wash trading, shill bidding, fake sales, coordinated bidding, false listings, or unpaid transactions; * exploit a pricing error, software bug, duplicate credit, race condition, or reconciliation issue; * circumvent transaction limits, verification, funding requirements, approval controls, or geographic restrictions; * create multiple Accounts to evade enforcement or obtain unauthorized benefits; * interfere with the Platform, introduce malware, conduct denial-of-service activity, or attempt unauthorized access; * scrape, copy, resell, or redistribute Platform data without authorization; * harass, threaten, impersonate, or deceive another user; * use the Platform to violate a third party's intellectual property, privacy, publicity, contractual, or other rights; * create or market an unlawful or misleading Repack; * misrepresent a relationship with CardsIQ; * use the Platform in a manner that creates unreasonable legal, financial, reputational, security, or operational risk; or * assist another person in any prohibited activity. CardsIQ may investigate suspected violations and may preserve or disclose relevant information as permitted by law. ## 17. Platform Availability, Maintenance, and Security The Platform is provided on an "as available" basis. CardsIQ uses commercially reasonable efforts to maintain the Platform but does not guarantee uninterrupted access, error-free operation, transaction completion, data availability, or compatibility with every browser, device, wallet, marketplace, provider, or network. ### Maintenance CardsIQ may perform scheduled or emergency maintenance. Where commercially reasonable and required by an applicable Partner Agreement, CardsIQ may provide advance notice of scheduled maintenance that materially affects Partner access. Advance notice may not be possible for emergency, security, legal, provider, or infrastructure-related maintenance. ### Security CardsIQ uses administrative, technical, and organizational measures designed to protect the Platform. No system is completely secure. You acknowledge risks including phishing, credential theft, social engineering, device compromise, malware, wallet compromise, provider breaches, and unauthorized access. You must promptly report suspected security incidents to . ### Beta and Experimental Features CardsIQ may identify features as beta, preview, pilot, experimental, or early access. Those features may be incomplete, inaccurate, changed, or discontinued and may be subject to additional terms. Beta features are provided without service-level commitments and should not be relied upon for critical operations unless CardsIQ agrees otherwise in writing. ## 18. Disclaimers TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM AND ALL SERVICES, DATA, VALUATIONS, REPORTS, WALLETS, WORKFLOWS, AND THIRD-PARTY INTEGRATIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE." CARDSIQ DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. CardsIQ does not warrant that: * the Platform will be uninterrupted, secure, timely, or error-free; * any data, valuation, estimate, report, or calculation will be accurate or complete; * any transaction will be approved, funded, settled, or profitable; * a Seller will receive an Offer; * a Partner will maintain sufficient funds; * a Collectible is authentic, owned by the Seller, or free of claims; * a Repack is lawful, correctly valued, profitable, or accepted by a marketplace; * a Payment Provider, Wallet, blockchain, marketplace, or data provider will remain available; * any defect or security vulnerability will be corrected; or * Platform records will satisfy a user's accounting, tax, legal, regulatory, or insurance requirements. ### No Professional Advice CardsIQ does not provide legal, tax, accounting, investment, financial, appraisal, brokerage, fiduciary, or regulatory advice. Users should consult qualified professionals regarding their obligations and decisions. ### No Fiduciary Duty CardsIQ acts as a software service provider. CardsIQ does not act as a trustee, fiduciary, investment manager, broker, financial advisor, or agent for any Partner or Seller. ### Assumption of Business and Market Risk Partners assume the risks of operating their buyback and Repack businesses, including price movement, Inventory concentration, fraud, chargebacks, funding needs, data errors, regulatory changes, liquidity, and customer disputes. Sellers assume the risks of market movement, Partner eligibility rules, verification requirements, Payment Provider availability, and transaction rejection or delay. ## 19. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDSIQ AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, USE, OPPORTUNITY, OR ANTICIPATED SAVINGS, ARISING OUT OF OR RELATING TO THE PLATFORM, THE AGREEMENT, OR ANY TRANSACTION. THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A PARTY WAS ADVISED OF THE POSSIBILITY OF THE DAMAGES. Without limiting the foregoing, CardsIQ is not liable for losses arising from: * a Partner's Offer, approval, rejection, pricing, Inventory, funding, Repack, disclosure, or compliance decision; * a Seller's misrepresentation, fraud, lack of ownership, or prohibited conduct; * inaccurate, delayed, duplicated, manipulated, unavailable, or mismatched market data; * Payment Provider, bank, card network, blockchain, wallet, RPC, marketplace, or third-party actions; * credential compromise, phishing, social engineering, or unauthorized Account use not caused by CardsIQ; * unsupported or incorrect wallet transfers; * blockchain finality, network fees, congestion, forks, reorganization, or protocol events; * service interruption, maintenance, data loss, or provider outage; * chargebacks, reversals, refunds, reserves, or negative balances; * tax, accounting, legal, or regulatory consequences; or * acts or omissions of a Partner, Seller, Authorized User, or third party. ### Liability Cap TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARDSIQ'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM, THE AGREEMENT, OR ANY TRANSACTION WILL NOT EXCEED: * for a Partner, the total fees paid by that Partner directly to CardsIQ during the six months preceding the event giving rise to the claim; or * for a Seller, the greater of one hundred dollars or the platform fees, if any, paid directly by that Seller to CardsIQ during the six months preceding the event giving rise to the claim. The limitations do not apply to liability that cannot lawfully be excluded or limited. Some jurisdictions do not permit certain exclusions, so portions of this section may not apply to you. ## 20. Indemnification To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless CardsIQ and its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from claims, demands, proceedings, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to: * your access to or use of the Platform; * your violation of the Agreement or applicable law; * your fraud, negligence, willful misconduct, or prohibited conduct; * your content, data, Inventory, Repack, disclosures, or business operations; * your violation of another person's rights; * a dispute between you and a Partner, Seller, customer, marketplace, provider, or other third party; or * taxes, chargebacks, refunds, reversals, penalties, or regulatory obligations attributable to your activity. ### Additional Partner Indemnification A Partner's indemnification obligations include claims arising from: * its Buyback Transactions and Offers; * insufficient funding or failure to pay a Seller; * inaccurate Inventory or product information; * Repack design, manufacture, sale, marketing, odds, values, fulfillment, or legality; * Partner personnel and Authorized Users; * consumer-protection, advertising, gaming, gambling, sweepstakes, licensing, tax, or marketplace-rule violations; * counterfeit, stolen, or misrepresented Inventory acquired or distributed by the Partner; and * the Partner's customer service or transaction decisions. CardsIQ may assume control of the defense of an indemnified matter. You must cooperate and may not settle a claim imposing liability, admission, or obligation on CardsIQ without CardsIQ's written consent. ## 21. Suspension and Termination CardsIQ may suspend, restrict, or terminate access to the Platform, a feature, a Wallet workflow, a Marketplace Account connection, or a transaction when CardsIQ reasonably determines that: * the Agreement has been violated; * fees, invoices, reserves, or funding requirements are not satisfied; * fraud, security, sanctions, money laundering, or illegal activity is suspected; * information is false, incomplete, or unverifiable; * a Payment Provider, marketplace, regulator, court, or law-enforcement authority requires action; * continued access creates legal, financial, security, reputational, or operational risk; * the Platform is being abused or exploited; * a Partner's business is inactive, insolvent, or unable to meet obligations; or * suspension is necessary to protect CardsIQ, users, or third parties. CardsIQ may act immediately and without advance notice when reasonably necessary. ### Termination by a Partner A Partner may terminate according to its Partner Agreement. Unless the Partner Agreement states otherwise, termination does not relieve the Partner of accrued fees, completed transactions, negative balances, refunds, chargebacks, confidentiality, indemnification, or other outstanding obligations. ### Termination by a Seller A Seller may request Account closure by contacting , subject to pending transactions, holds, legal retention, tax reporting, disputes, and compliance requirements. ### Effect of Termination Upon termination: * the right to access the Platform ends; * CardsIQ may disable credentials and Authorized Users; * pending transactions may be completed, cancelled, held, or reversed; * amounts owed remain due; * data may be retained as permitted by the Agreement and Privacy Policy; and * provisions that by their nature should survive will continue, including ownership, fees, data rights, disclaimers, liability limits, indemnification, dispute resolution, and general provisions. ## 22. Privacy and Data Security CardsIQ's collection, use, disclosure, and retention of personal information are described in the Privacy Policy. By using the Platform, you acknowledge that information may be processed by CardsIQ and third-party providers involved in authentication, payment processing, KYC, fraud prevention, communications, analytics, market data, cloud services, and blockchain transactions. Blockchain records may be public, permanent, and outside CardsIQ's control. A public wallet address or transaction record may be linked to other information by third parties. Partners must independently comply with privacy and data-protection laws applicable to their collection and use of Seller information. A Partner may not use information obtained through the Platform for unrelated marketing, resale, profiling, or other purposes without a lawful basis and any required consent. Privacy requests may be submitted to . ## 23. Dispute Resolution, Arbitration, and Governing Law Before initiating arbitration or litigation, the complaining party must send a written notice describing the dispute and requested resolution to . The parties will attempt in good faith to resolve the dispute informally for thirty days. ### Governing Law The Agreement is governed by the laws of the State of Florida, without regard to conflict-of-law rules. ### Arbitration Agreement Except for claims eligible for small claims court, requests for injunctive relief relating to intellectual property or unauthorized access, or claims that cannot lawfully be arbitrated, disputes arising out of or relating to the Platform, the Agreement, or a transaction will be resolved by binding individual arbitration administered by the American Arbitration Association. * Disputes involving a Seller acting primarily for personal, family, or household purposes will be administered under the AAA Consumer Arbitration Rules, as applicable. * Disputes involving a Partner or other business user will be administered under the AAA Commercial Arbitration Rules, as applicable. * Arbitration may be conducted remotely unless the arbitrator requires otherwise. * Unless prohibited by law or otherwise agreed, any in-person hearing will take place in Collier County, Florida. * The arbitrator may award any individual relief available in court, subject to the Agreement. * Judgment on the award may be entered in any court with jurisdiction. ### Class Action and Jury Trial Waiver TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTES MUST BE BROUGHT INDIVIDUALLY. YOU AND CARDSIQ WAIVE THE RIGHT TO: * A JURY TRIAL; * PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION; * ACT AS A PRIVATE ATTORNEY GENERAL; OR * HAVE A DISPUTE RESOLVED THROUGH CLASS-WIDE ARBITRATION. If the class action waiver is found unenforceable as to a particular claim, that claim must proceed in court and not arbitration, unless applicable law requires otherwise. ### Arbitration Opt-Out An individual Seller may opt out of the arbitration agreement by emailing within thirty days after first accepting these Terms. The notice must include the Seller's full name, Account email, and a clear statement that the Seller opts out of arbitration. Opting out does not affect the remaining provisions of the Agreement. A Partner's arbitration rights and obligations may be governed by its Partner Agreement. ### Court Venue For disputes not subject to arbitration, the parties consent to exclusive jurisdiction and venue in the state courts located in Collier County, Florida, or the United States District Court with jurisdiction over Collier County, Florida. ## 24. General Provisions ### Entire Agreement The Agreement, together with any applicable Partner Agreement, order form, product-specific terms, or written addendum, constitutes the entire agreement between you and CardsIQ concerning the Platform and supersedes prior discussions and understandings on the same subject. ### Order of Precedence For a Partner, the following order of precedence applies in the event of conflict: 1. A signed Partner Agreement or amendment. 2. An applicable order form or statement of work. 3. Product-specific terms. 4. These Terms. 5. Other incorporated policies. ### Assignment You may not assign or transfer the Agreement without CardsIQ's written consent. CardsIQ may assign the Agreement in connection with a merger, acquisition, financing, reorganization, sale of assets, affiliate transfer, or by operation of law. ### Severability If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in effect. ### Waiver Failure to enforce a provision is not a waiver. A waiver must be in writing and signed by an authorized representative of CardsIQ. ### Force Majeure CardsIQ is not liable for delay or failure caused by events beyond its reasonable control, including natural disasters, severe weather, war, terrorism, civil unrest, labor disputes, epidemics, government action, power or internet failure, cyberattacks, blockchain events, banking disruption, provider outages, or marketplace restrictions. ### Independent Contractors CardsIQ and each Partner are independent contractors. Neither may bind the other or incur obligations on the other's behalf. ### No Third-Party Beneficiaries Except for CardsIQ's indemnified parties and service providers where expressly stated, the Agreement does not create rights for any third party. ### Headings Headings are for convenience and do not affect interpretation. ### Notices CardsIQ may provide notices through the Platform, by email, or by another reasonable electronic method. Legal notices to CardsIQ must be sent to . A notice is not effective merely because it is posted publicly or sent through social media. ### Survival Provisions relating to fees, payment obligations, ownership, data rights, confidentiality, disclaimers, limitations of liability, indemnification, dispute resolution, and any provisions that by their nature should survive will remain effective after termination. ## 25. Company Information and Contact CardsIQ, LLC is a Florida limited liability company. ### Customer Support and General Inquiries ### Business Partnerships ### Privacy ### Legal