Terms of Service

Last updated: October 1, 2026

Please read these Terms of Service carefully before using The Card Ledger. By creating an account or using the app, you agree to be bound by these terms.

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of The Card Ledger mobile application and website (collectively, the "Service") operated by The Card Ledger LLC, a Texas limited liability company ("we", "us", or "our"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Description of Service

The Card Ledger is an AI-powered sports card and trading card collection management app. The Service includes:

We reserve the right to modify, suspend, or discontinue any part of the Service, or to impose limits on any features, at any time and, to the maximum extent permitted by applicable law, without notice or liability to you.

3. Eligibility and Accounts

You must be at least 13 years old to use the Service. By creating an account, you represent that you meet this requirement. If you are between 13 and the age of majority in your jurisdiction, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf and is responsible for your use of the Service. You may not create an account or use the Service if you are under 13.

You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. Notify us immediately at contact@thecardledgerapp.com if you suspect unauthorized access.

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Subscriptions and Payments

Subscriptions: The Card Ledger offers Collector ($9.99/month or $74.99/year) and Pro ($19.99/month or $149.99/year) subscription tiers, as well as one-time scan packs. Pricing is subject to change with notice.

Auto-renewal: Paid subscriptions automatically renew at the end of each billing period at the then-current price unless you cancel at least 24 hours before the end of the current period. Your Apple App Store or Google Play payment method will be charged automatically for each renewal. You can view, manage, or turn off auto-renewal at any time in your device's subscription settings.

Welcome scans: New accounts receive 5 free AI scans on signup to experience the core scanning feature. These welcome scans are provided once per account and do not expire. They are separate from subscription quota and purchased scan packs.

Billing: Subscriptions are billed through Apple App Store or Google Play. All billing disputes, refunds, and subscription management must be handled through the respective platform. We do not process payments directly. Except to the extent a refund is required by applicable law or the applicable platform's policies, all fees are non-refundable, including for partial billing periods, unused quota, or features you did not use.

Scan packs: Scan pack purchases are non-refundable consumable items. Unused scans do not expire but are forfeited if your account is deleted.

Cancellation: You may cancel your subscription at any time through your device's subscription settings. Your access continues until the end of the current billing period.

5. Acceptable Use

You agree not to:

The conduct described above is not an exhaustive list of prohibited activity. We reserve the right, but have no obligation, to investigate any suspected violation of these Terms, to remove or disable access to any content, and to restrict, suspend, or terminate any account, in each case in our sole discretion and, to the maximum extent permitted by applicable law, without notice or liability to you. We may also report suspected unlawful activity to law enforcement or other authorities and cooperate with any resulting investigation.

6. User-Generated Content and Community Standards

The Service includes social features that let you create a public profile, post to the community feed, and share wantlists and other content (collectively, “User-Generated Content”). You are solely responsible for the User-Generated Content you post, and you represent that you have all rights necessary to post it.

No objectionable content. You agree not to post, upload, or share any User-Generated Content that is unlawful, harmful, harassing, abusive, threatening, hateful, defamatory, obscene, sexually explicit, invasive of another’s privacy, fraudulent or deceptive, that infringes any intellectual property or other right, or that is otherwise objectionable. We have zero tolerance for objectionable content and abusive behavior toward other users.

Our rights to moderate. We may, but are not obligated to, monitor, review, screen, or moderate User-Generated Content. We reserve the right, in our sole discretion and without notice, to remove or disable access to any User-Generated Content, and to restrict, suspend, or terminate the account of any user who posts objectionable content or engages in abusive behavior.

Reporting and moderation response. You can report objectionable content or abusive users using the in-app flagging tools available on the community feed and on user profiles. We will review reports of objectionable content and take appropriate action — which may include removing the content and ejecting the user who provided it — within 24 hours of receiving a report.

Blocking. You can block another user at any time from their profile or from any of their User-Generated Content. Blocking prevents that user from interacting with you or viewing your User-Generated Content through the Service.

Acknowledgment. By creating an account and using the social features, you agree to these Terms, including these community standards, as the end-user license agreement governing your use of the Service. Your continued access to the social features depends on your compliance with them.

7. AI Pricing & Certification Accuracy

Card valuations, grade estimates, and market prices provided by the Service are generated by AI models and are intended as general guidance only. They are not financial advice and should not be relied upon as the sole basis for any buying, selling, or grading decision.

Pricing data is based on publicly available sales information and may not reflect the most current market conditions, private sales, or regional variations. We make no warranties regarding the accuracy, completeness, or timeliness of any pricing data.

Certification ("cert") lookups are provided for convenience only. PSA certifications are checked against PSA's public lookup; all other grading companies (including BGS, SGC, CGC, and TAG) are best-effort searches with no official lookup API. A "not found" result does not necessarily mean a certification is invalid, and a successful match does not guarantee a card's authenticity or grade. Always confirm a certification directly with the grading company's official registry before relying on it.

8. User Content

You retain ownership of the card images and collection data you submit to the Service. By submitting content, you grant us a limited license to process, store, and display that content solely to provide the Service to you, including transmitting your content to third-party AI providers (such as Google and OpenAI) solely so they can read and process it to deliver the Service’s features to you. We do not use your card images to train our AI models. We may also create, retain, and use de-identified, aggregated, or anonymized data derived from your content to operate, secure, analyze, and improve the Service. This includes keeping a photo of a card itself, stored separately from your account and not linked to you, as a reference for identifying that card. For purposes of these Terms, data is “de-identified” only where we have removed or stripped your account identifier and other direct and indirect identifiers such that the data cannot reasonably be used, alone or in combination, to identify you, and we maintain and use such data only in de-identified form. Data that remains linked to your account ID or is otherwise associated with you is not treated as de-identified under these Terms. Such de-identified data is not your Content.

You may export or delete your data at any time. See our Privacy Policy for details.

We respect intellectual property rights and expect you to do the same. If you believe content on the Service infringes your copyright, send a notice to our designated agent at contact@thecardledgerapp.com with: (a) your physical or electronic signature; (b) identification of the copyrighted work you claim has been infringed; (c) identification of the material you claim is infringing and its location on the Service; (d) your contact information; (e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf. We may remove or disable access to allegedly infringing material and, in appropriate circumstances, terminate the accounts of repeat infringers.

9. eBay Integration and Listings

Collector and Pro subscribers may connect their eBay seller account to create listings directly through the Service. By using the eBay integration, you agree to the following:

The Card Ledger is an independent third-party application and is not affiliated with, endorsed by, or sponsored by eBay Inc.

10. Intellectual Property

The Card Ledger app, website, logo, and all associated software and content are owned by us and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

Card names, player names, team names, and league trademarks are the property of their respective owners. The Card Ledger is not affiliated with or endorsed by any sports league, team, card manufacturer, or grading company.

11. Disclaimers

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

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY FEATURES IDENTIFIED AS BETA, PREVIEW, OR EXPERIMENTAL ARE PROVIDED FOR EVALUATION ONLY, MAY BE MODIFIED OR WITHDRAWN AT ANY TIME, AND MAY BE LESS RELIABLE THAN OTHER FEATURES.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE CARD LEDGER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE LESSER OF (A) THE AMOUNT YOU PAID FOR THE SERVICE, WHETHER DIRECTLY OR THROUGH THE APPLE APP STORE OR GOOGLE PLAY, IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION APPLY REGARDLESS OF THE FORM OR THEORY OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF THE CARD LEDGER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. YOU AGREE THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND THE CARD LEDGER AND THAT THE CARD LEDGER WOULD NOT PROVIDE THE SERVICE WITHOUT THEM. THIS SECTION SURVIVES ANY TERMINATION OR EXPIRATION OF THESE TERMS.

THE SERVICE INTEGRATES WITH OR LINKS TO THIRD-PARTY SERVICES, PLATFORMS, AND DATA SOURCES, INCLUDING THE APPLE APP STORE, GOOGLE PLAY, EBAY, GRADING COMPANIES AND THEIR LOOKUP SYSTEMS (INCLUDING PSA, BGS, SGC, CGC, AND TAG), AND MARKETPLACE AND PRICING DATA PROVIDERS. WE DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE AVAILABILITY, ACCURACY, CONTENT, PRODUCTS, SERVICES, OR PRACTICES OF ANY THIRD PARTY, AND YOUR USE OF ANY THIRD-PARTY SERVICE IS AT YOUR OWN RISK AND SUBJECT TO THAT THIRD PARTY'S OWN TERMS. WE ARE NOT LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM ANY THIRD-PARTY SERVICE OR FROM ITS UNAVAILABILITY, INTERRUPTION, OR DISCONTINUATION.

13. Termination

You may delete your account at any time from within the app (Profile → Settings → Delete Account). Upon deletion, your data will be permanently removed within 30 days.

We may suspend or terminate your access to the Service if you violate these Terms, with or without prior notice depending on the severity of the violation.

14. Governing Law & Dispute Resolution

Governing law. These Terms, and any dispute arising from them or from the Service, are governed by the laws of the State of Texas, USA, without regard to its conflict-of-laws rules — except where the mandatory consumer-protection law of your country of residence requires otherwise.

Talk to us first. Before starting any formal proceeding, you agree to contact us at contact@thecardledgerapp.com and try to resolve the dispute informally for at least 30 days.

Binding arbitration (U.S. users). If we can't resolve it informally, you and we agree that any dispute will be settled by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, seated in Texas or conducted remotely. Arbitration is on an individual basis only: you and we waive any right to participate in a class action or class-wide arbitration. Either party may still bring a qualifying individual claim in small-claims court. In addition, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property or a violation of the Acceptable Use section, and seeking such relief will not constitute a waiver of, or be deemed inconsistent with, the agreement to arbitrate or the class-action waiver set out in this section. Severability of class waiver. The waiver of class actions and class-wide arbitration is an essential part of this arbitration agreement. If a court or arbitrator decides that this class waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief (and only that one) will be severed and brought in a court of competent jurisdiction, and will not be arbitrated on a class or representative basis. The remainder of this arbitration agreement will remain in full force and effect.

Coordinated and mass arbitration. If 25 or more similar arbitration demands are filed against The Card Ledger by or with the assistance of the same or coordinated counsel, you and we agree that the demands will be administered in staged batches of no more than 50 at a time, that the applicable filing and arbitrator fees will be assessed on a batch basis, and that any applicable statute of limitations will be tolled for demands awaiting their batch. This process is intended to promote efficient resolution and manage the costs of coordinated filings.

30-day opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing contact@thecardledgerapp.com with your account email and the subject "Arbitration Opt-Out." Opting out does not affect any other part of these Terms.

EU / EEA / UK consumers. Nothing in this section removes the protection of the mandatory consumer-law provisions of your country of residence, including your right to bring proceedings in your local courts. The arbitration and class-waiver terms above apply only to the extent permitted by applicable law.

Time to file. To the maximum extent permitted by applicable law, any claim or dispute arising out of or relating to these Terms or the Service must be filed within one (1) year after the claim arises; otherwise, the claim is permanently barred. This limitation does not apply where prohibited by the mandatory law of your country of residence.

15. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated via in-app notification or email at least 14 days before taking effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Affiliate Links and Commissions

The Card Ledger participates in affiliate programs, including the Amazon Associates Program, the eBay Partner Network, and TCGPlayer (via Impact). Some links in the app and on our website are affiliate links: if you click one and make a purchase, we may earn a commission at no additional cost to you. As an Amazon Associate, The Card Ledger earns from qualifying purchases.

Affiliate relationships do not influence the card valuations, comparable sales, or market data we present — those are derived independently from real sold-listing data. We only recommend products and marketplaces we believe are useful to collectors.

17. Indemnification

You agree to indemnify, defend, and hold harmless The Card Ledger and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of or activity on the Service; (b) your Content or card data; (c) your eBay listings, transactions, or use of the eBay integration; (d) your violation of these Terms or any applicable law; or (e) your violation of any rights of a third party. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of any such claim.

18. Apple App Store and Google Play Additional Terms

These Additional Terms apply when you download or use the app from the Apple App Store or Google Play. To the extent they conflict with the rest of these Terms, these Additional Terms control for the applicable platform.

Acknowledgment: These Terms are between you and The Card Ledger only, and not with Apple Inc. or Google LLC (each, a "Platform Provider"). The Card Ledger, not the Platform Provider, is solely responsible for the Service and its content.

Scope of license: The license granted to you for the app is a non-transferable license to use the app on any device that you own or control, as permitted by the Usage Rules of the applicable platform's terms of service. Maintenance and support: The Card Ledger is solely responsible for providing any maintenance and support for the app. The Platform Provider has no obligation to furnish any maintenance or support services.

Warranty: The Card Ledger is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the app fails to conform to any applicable warranty, you may notify the Platform Provider, and, for Apple only, Apple may refund the purchase price (if any); to the maximum extent permitted by law, the Platform Provider has no other warranty obligation with respect to the app.

Claims: The Card Ledger, not the Platform Provider, is responsible for addressing any claims by you or a third party relating to the app or your use of it, including product-liability claims, claims that the app fails to conform to applicable legal or regulatory requirements, and claims arising under consumer-protection, privacy, or similar legislation. Intellectual property claims: In the event of any third-party claim that the app or your use of it infringes that third party's intellectual property rights, The Card Ledger, not the Platform Provider, is solely responsible for the investigation, defense, settlement, and discharge of any such claim.

Compliance: You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

Third-party beneficiary: You acknowledge that the applicable Platform Provider and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you as a third-party beneficiary.

19. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy, are the entire agreement between you and The Card Ledger regarding the Service and supersede any prior or contemporaneous agreements on that subject.

Severability: If any provision of these Terms is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Assignment: You may not assign or transfer these Terms or your account, in whole or in part, without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, reorganization, financing, or sale of assets.

No Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that or any other right or provision.

Survival: All provisions that by their nature should survive termination will survive, including the sections on User Content, Intellectual Property, AI Pricing & Certification Accuracy, Disclaimers, Limitation of Liability, Indemnification, Governing Law & Dispute Resolution, and these General Provisions.

Force Majeure: We will not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, labor disputes, internet or telecommunications failures, third-party service or platform outages (including Apple, Google, eBay, or grading-company systems), governmental action, or war or terrorism.

Notices: We may provide notices to you by in-app notification, email to the address associated with your account, or posting within the Service, and such notice is deemed given when sent or posted. You must send notices to us at contact@thecardledgerapp.com.

Electronic Communications: You consent to receive communications from us electronically, including by in-app notification, email, or postings within the Service. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing.

No Third-Party Beneficiaries: Except for the Platform Providers identified in the Apple App Store and Google Play Additional Terms, and the persons entitled to indemnification under these Terms, these Terms do not create any third-party beneficiary rights.

Relationship of the Parties: You and The Card Ledger are independent contractors. These Terms do not create any partnership, joint venture, agency, franchise, or employment relationship.

Interpretation: The word "including" means "including without limitation." Section headings are for convenience only and do not affect interpretation. These Terms will not be construed against the drafter.