1. Agreement to these terms
We are UVstocks LLC (“we”, “us”, “our”), a company registered in California, United States. We operate Cardium at cardium.gg and the related applications, APIs and services that link to these terms (together, the “Service”).
These Terms of Service (the “Terms”) are a legally binding agreement between you, personally or on behalf of an entity you represent (“you”), and UVstocks LLC. By creating an account or using the Service you confirm that you have read, understood and agreed to be bound by them. If you do not agree, do not use the Service.
The Content Policy (version 1.0) and the Privacy Policy are incorporated into these Terms by reference. Where a supplemental notice for a specific feature is posted in the Service, it is incorporated too.
When you create an account we record the version of these Terms you accepted and when. This is version 1.0.
2. What Cardium is
Cardium is price intelligence for graded collectibles. It lets you identify a slab or a raw card from a photo, see what comparable items have actually sold for, track a collection, and take part in a community of collectors and shops. For dealers it adds inventory, customer and deal tooling.
The Service is provided as-is and as-available. Prices, estimates, indices, confidence ratings and every other figure in the Service are information compiled from third-party sources and our own models. They are not an offer to buy or sell, not a valuation for insurance, tax or legal purposes, and not financial, investment or legal advice. Section 6 says more.
The Service is not designed for use where industry-specific regulation applies to your activity (for example financial services or healthcare data rules). If your use of it would be governed by such rules, do not use it for that purpose.
3. Eligibility
You must be at least 18 years old to create an account. By using the Service you represent that you are 18 or older, have the legal capacity to enter into these Terms, are not barred from using the Service under any applicable law, and will comply with these Terms and all applicable laws.
The Service is operated from the United States. If you use it from elsewhere you do so on your own initiative and are responsible for compliance with local law.
4. Your account
You register with an email address and a password, and you must verify the address before the account works. Keep your registration details accurate and current, keep your password confidential, and tell us promptly at support@cardium.gg if you believe your account has been compromised. You are responsible for everything done through your account.
One person, one account. We may reclaim, rename or disable a handle, display name or business name that impersonates someone else, infringes a right, or breaks the Content Policy.
If you registered through an earlier UVstocks account, your Cardium account is the same record with Cardium credentials attached. These Terms govern it from the date you accepted them.
5. Plans, subscriptions and billing
The Service is offered on a free plan and on paid plans (Premium, Professional, Enterprise). Each plan's limits and features are described in the Service and may be changed as set out in section 15. Some plans are not self-serve and are granted by agreement with us.
Paid plans are billed as recurring subscriptions in US dollars through our payment processor, Stripe. By subscribing you authorise us and Stripe to charge your payment method at the start of each billing period until you cancel. Card details are collected and stored by Stripe, not by us. Applicable taxes are added where required.
You can cancel or change your plan at any time from your account settings. A cancellation takes effect at the end of the current billing period; you keep the paid features until then. If a renewal payment fails we may give you a short grace period, after which the account returns to the free plan and features and items beyond that plan's limits become unavailable until you upgrade again (your data is not deleted).
Except where the law requires otherwise, subscription fees are non-refundable, including for partial periods. We may change prices; a change to a plan you are on takes effect at your next renewal after we notify you, and you may cancel before then.
6. Price data is information, not advice
Sale prices, estimates, indices, trend lines, shill and manipulation flags, confidence ratings and population figures are compiled from public marketplaces, grading company records, licensed data vendors and our own analysis. We work to keep them accurate and current, but we do not warrant that any figure is complete, correct, up to date or fit for any particular purpose. Sources change, sales are mis-reported, and models are wrong sometimes.
Nothing in the Service is investment, financial, tax or legal advice, and we are not a broker, dealer, appraiser or adviser. Any decision to buy, sell, hold, grade, insure or trade is yours alone. You agree that we are not responsible for decisions you make, or losses you incur, in reliance on anything in the Service.
You may use price data for your own personal or internal business purposes. You may not redistribute, resell, scrape or republish it, or use it to train or operate any machine learning model or automated agent, except as we expressly permit in writing or through a plan that includes API access.
7. Scanning and images
When you scan a slab or card, the photo is processed by automated systems, including third-party AI models, to read the label or identify the card. You confirm that you have the right to upload any image you submit and that it does not contain another person's private information.
Scan images are used to produce the result and are not kept as images; what we retain is described in the Privacy Policy. Scan results are subject to the daily limits of your plan.
8. Your content
“Your content” means everything you publish through the Service that others can see: posts and replies, the images attached to them, your profile and showcase, business profiles, hashtags and anything else shown under your name.
You own it. We claim no ownership of your content. So that we can run the Service you grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, adapt (for example to resize an image), display and distribute your content within the Service and in previews of it, for as long as it is published, and thereafter only as needed to comply with law, resolve disputes or keep the records described in the Content Policy. You can end the licence for any item by deleting it, subject to that exception.
You are responsible for it. By publishing content you represent that you created it or have the rights needed to publish it and to grant the licence above; that it does not infringe anyone's intellectual property, privacy or publicity rights; that it is not misleading; and that it complies with the Content Policy and applicable law. We are not liable for anything in your content, and you agree to compensate us for losses caused by a breach of this section.
Feedback. Suggestions, ideas and feedback you send us about the Service can be used by us for any purpose without obligation to you.
9. Content Policy and moderation
The Content Policy is a binding part of these Terms. It defines the categories of content that are reviewed by a person and the categories that are removed outright, the enforcement matrix, and your right to appeal. If this section and the Content Policy conflict, the Content Policy governs for questions of what may be published.
You agree that we may, without prior notice: review your content, including by automated systems and third-party AI models, at the time you publish it and afterwards; remove or restrict access to content that we reasonably believe breaches the Content Policy, these Terms or applicable law; warn, suspend or terminate accounts for breaches; and preserve removed content and moderation records where we need to for appeals, legal obligations or the protection of others.
We will tell you which category applied when your content is removed, and you may contest a removal once through the appeal process described in the Content Policy. Appeals are decided by a person. Our decisions on appeal are final within the Service, without prejudice to any rights you have under applicable law.
We may also report content and account information to law enforcement or other authorities where we believe in good faith that the law requires it or that there is a risk of serious harm.
10. Prohibited activities
You may only use the Service for the purposes we make it available. You agree not to:
- Systematically retrieve data or content from the Service to build a collection, database or dataset, or use any scraper, crawler, bot or other automated means to access it, except through an API we make available to your plan.
- Use price data or any other content from the Service to train, tune or operate an artificial intelligence, machine learning model or automated agent.
- Manipulate markets through the Service: shill bidding, fabricated sales, coordinated pumping, or promoting listings you have an undisclosed interest in.
- Present counterfeit, altered or re-holdered items as genuine, or offer services to produce them.
- Impersonate any person, business, grading company or Cardium staff.
- Harass, threaten or abuse anyone, or use information from the Service to do so off it.
- Create accounts by automated means or under false pretences, share an account, or register again after we have suspended or terminated you.
- Circumvent or interfere with security, rate limits, plan limits, moderation or any other protective measure, or probe the Service for vulnerabilities without our written permission.
- Upload viruses, malicious code or anything that interferes with the Service or its users, or use the Service to distribute phishing or credential-harvesting links.
- Reverse engineer, decompile or copy the Service's software except as the law allows.
- Use the Service to compete with us or for a commercial purpose other than your own collecting or your own shop's operations, unless your plan or a written agreement permits it.
- Submit false reports of abuse or misuse our support and appeal channels.
- Break any applicable law or regulation.
11. Dealer and Professional accounts
Plans that include dealer tooling (inventory, customer records, deals, business profiles and employee access) are for operating your own collectibles business. You represent that the business information you publish is accurate and that you are authorised to act for the business.
Employee sub-accounts. A Professional or Enterprise account holder (the “master account”) may create staff logins with limited permissions. Staff logins are not Cardium accounts: they act on behalf of the master account, and the master account is responsible for everything done through them, for choosing appropriate permissions, and for removing access when staff leave. Staff logins may not be used to evade a suspension or to give access to someone who has been removed from the Service.
Customer data. Customer records you keep in the dealer desk are your data. You are responsible for collecting and using them lawfully, for any notices your customers are owed, and for honouring their requests. We process them only to provide the Service, as described in the Privacy Policy.
Payments and marketplaces. Where the dealer desk connects to a payment processor or marketplace (for example Square), your relationship with that provider is governed by its terms. We are not a party to sales between you and your customers.
12. Our intellectual property
The Service — its software, design, databases, indices, models, text, graphics and the Cardium and UVstocks names and logos — is owned by us or our licensors and protected by copyright, trademark and other laws. Subject to these Terms we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service and to print or save copies of content for your personal use or your business's internal use. All other rights are reserved. You may not use our names or logos without our written permission.
13. Third-party services
The Service links to and draws on third parties: grading companies, marketplaces, pricing data vendors, payment processors and AI model providers. We do not control them, do not endorse them, and are not responsible for their content, accuracy, practices or terms. A purchase or transaction you make with a third party — including one you found through the Service — is between you and them.
14. Termination
By you. You can stop using the Service at any time, and can ask us to delete your account at support@cardium.gg. Cancelling a subscription does not delete your account.
By us. We may suspend or terminate your account, and remove your content, if you breach these Terms or the Content Policy, if the law requires it, or if your use creates risk or legal exposure for us or for others. Where practical we will tell you why. For serious breaches, including the categories the Content Policy names as grounds for immediate suspension, we may act without warning.
Effect. On termination your right to use the Service ends, your published content is no longer shown, and any unused subscription period is forfeited except where the law requires a refund. Sections 6, 8 (licence tail), 9, 12 and 16 to 22 survive. If we have terminated you, you may not register a new account without our permission.
15. Changes to the service and these terms
We may change, add or remove features, plan limits and prices, and may suspend or discontinue parts of the Service, at any time. We are not liable for any modification, interruption or discontinuance, and we cannot guarantee the Service will always be available.
We may also change these Terms. When we do, we publish the new version with a new effective date at /legal/terms and note it in the changelog; for material changes we will also give notice in the Service or by email before they take effect. Your continued use after the effective date is acceptance of the revised Terms. If you do not agree, stop using the Service.
16. Disclaimer of warranties
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE, OR ANY PRICE, ESTIMATE, IDENTIFICATION OR OTHER CONTENT IN IT, IS ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE, THAT IT WILL BE UNINTERRUPTED OR SECURE, OR THAT DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT OR TAKE RESPONSIBILITY FOR ANY PRODUCT, SERVICE OR CONTENT OFFERED BY A THIRD PARTY OR BY ANOTHER USER, AND WE ARE NOT A PARTY TO OR RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANYONE ELSE. USE YOUR OWN JUDGMENT.
17. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR OFFICERS, EMPLOYEES OR AGENTS WILL BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOSS OF DATA OR LOSS OF VALUE OF ANY COLLECTIBLE, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THE SERVICE OR THESE TERMS, WHATEVER THE FORM OF ACTION, IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE SIX (6) MONTHS BEFORE THE CLAIM AROSE AND (B) ONE HUNDRED US DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS; IN THOSE, THEY APPLY TO THE MAXIMUM EXTENT PERMITTED AND YOU MAY HAVE ADDITIONAL RIGHTS.
18. Indemnification
You agree to defend, indemnify and hold harmless UVstocks LLC, its affiliates and their officers, employees and agents from any loss, liability, claim or demand, including reasonable legal fees, made by a third party arising out of your content, your use of the Service, your breach of these Terms or the Content Policy, your violation of anyone's rights, or any harmful act toward another user. We may assume the exclusive defence of any matter you must indemnify, at your expense, and you agree to cooperate with that defence.
19. Governing law and disputes
These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Talk first. Before starting arbitration or a claim, you and we agree to try to resolve any dispute informally for at least thirty (30) days after one of us gives the other written notice of it.
Binding arbitration. Any dispute that is not resolved informally will be finally resolved by binding arbitration under the Commercial Arbitration Rules and, where applicable, the Consumer Arbitration Rules of the American Arbitration Association (www.adr.org). YOU UNDERSTAND THAT WITHOUT THIS PROVISION YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. Your arbitration fees are governed by, and where applicable limited by, the AAA consumer rules; if the arbitrator finds them excessive we will pay them. The arbitration may be conducted in person, on documents, by phone or online, and unless the rules or the law require otherwise takes place in San Diego County, California. Either party may go to court to compel arbitration, stay proceedings pending arbitration, or confirm, modify, vacate or enter judgment on the award.
No class actions. To the fullest extent permitted by law, disputes are arbitrated individually: no arbitration will be joined with another, and there is no right to arbitrate on a class or representative basis.
Exceptions. Claims to enforce or protect intellectual property rights, claims arising from alleged theft, piracy, invasion of privacy or unauthorised use, and claims for injunctive relief are not subject to the informal-resolution and arbitration provisions. Any such claim, and any dispute that proceeds in court for any other reason, will be brought in the state or federal courts in San Diego County, California, and you consent to their jurisdiction and venue. Any claim must be brought within one (1) year after it arose.
If any part of this section is found unenforceable, that part is severed and the dispute it covers will be decided by the courts named above.
20. Electronic communications
Using the Service, emailing us and completing forms in the Service are electronic communications. You consent to receive communications from us electronically, and agree that agreements, notices and disclosures we provide by email or in the Service satisfy any requirement that they be in writing. You agree to the use of electronic signatures and records, and waive any requirement for original signatures or non-electronic records to the extent the law allows.
21. California users
If a complaint with us is not satisfactorily resolved, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.
22. General
These Terms, with the documents they incorporate, are the entire agreement between you and us about the Service. If we do not enforce a provision, that is not a waiver of it. If a provision is found unenforceable, it is severed and the rest stays in force. We may assign these Terms in connection with a merger, acquisition or sale of assets; you may not assign them. We are not responsible for delay or failure caused by events beyond our reasonable control. Nothing in these Terms creates a partnership, employment or agency relationship. These Terms will not be construed against us because we drafted them.
23. Contact
Questions, complaints and notices under these Terms go to UVstocks LLC, 4639 Da Vinci St, San Diego, CA 92130, United States, or by email to support@cardium.gg.