Terms and Conditions

Welcome to Cardholdr. These Terms and Conditions ("Terms") govern your use of the Cardholdr website, the mobile apps, and the related services ("Services") operated by Uniscale GmbH, Zurich, Switzerland. By using our Services, you agree to these Terms.

Cardholdr is a portfolio tracking and organization platform for sports card and TCG collectors. We provide tools to manage collections, track value development, and collaborate in group vaults.

To use our Services, you must:

• Be at least 16 years old
• Provide accurate and complete registration information
• Keep your login credentials secure
• Notify us immediately of any unauthorized account use

You are responsible for all activities that occur under your account.

Cardholdr offers free and paid subscription plans:

• Free Plan: Basic features with limitations
• Pro Plan: Extended features, billed monthly or annually

All prices shown are final prices and include statutory VAT. Subscriptions renew automatically for the selected term until cancelled. You may cancel your subscription at any time through your account settings; upon cancellation, your Pro access remains until the end of the current billing period.

Depending on where you subscribe, different payment channels apply:

• Web: payments are processed by Stripe on behalf of Uniscale GmbH. The contract is between you and Uniscale GmbH.
• iOS and Android: purchases are made as in-app purchases and are billed through your Apple or Google account. Management, cancellation, and refunds for those subscriptions are governed by Apple's or Google's terms and are handled in the settings of the respective account.

Consumers resident in the European Union have the right to withdraw from a contract for digital services within 14 days of its conclusion, without giving reasons.

Because our Services are made available immediately after the contract is concluded, we ask for your express consent that we begin performance right away, and your acknowledgement that your right of withdrawal expires once the contract has been fully performed. If you withdraw within the period, you owe a proportionate amount for the service provided up to that point.

To exercise your right of withdrawal, a clear statement to support@cardholdr.app is sufficient. For in-app purchases, please contact Apple or Google directly. Swiss law does not provide a statutory right of withdrawal for online contracts; the above applies to EU consumers on the basis of mandatory provisions.

You may not use our Services to:

• Violate any applicable law
• Infringe on the rights of others
• Spread false or misleading information
• Distribute malware or compromise our systems
• Overload or disrupt our Services
• Collect other users' data without permission

You retain ownership of content you upload to Cardholdr. By uploading, you grant us a worldwide, non-exclusive license to store and display this content as part of our Services.

You are responsible for ensuring your content does not infringe on third-party rights and does not contain illegal materials.

Group Vaults allow collaborative collection management:

• Group administrators are responsible for managing their groups
• All transactions and activities are logged
• Cardholdr is not responsible for disputes between group members
• Ownership calculations are symbolic and not legally binding

The Cardholdr platform, including design, code, and trademarks, is owned by Uniscale GmbH and protected by copyright and other laws. You may not copy, modify, or distribute our materials without written permission.

Our Services integrate third-party providers such as PSA and eBay. We are not responsible for the accuracy of data provided by these services. Use of third-party services is subject to their respective terms of service.

To the extent permitted by law:

• Our Services are provided "as is" without warranties
• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount you paid us in the last 12 months
• We are not liable for losses from investment decisions based on our Services

You agree to indemnify and hold harmless Uniscale GmbH from any claims, damages, and expenses arising from your use of our Services, your violation of these Terms, or your violation of any third-party rights.

You may delete your account at any time through account settings. We may suspend or terminate your account for violation of these Terms. Upon termination, your data will be handled according to our Privacy Policy.

We may update these Terms from time to time. We will notify you of any material changes by email or through a notice in our app. Continued use after changes constitutes acceptance of the new Terms.

These Terms are governed by Swiss law, excluding its conflict-of-law rules and the United Nations Convention on Contracts for the International Sale of Goods. The exclusive place of jurisdiction is Zurich, Switzerland.

Mandatory consumer protection provisions of the country in which you have your habitual residence as a consumer remain unaffected. Consumers may also bring proceedings at their place of residence.

For questions about these Terms, contact us: