Terms of Service

These Terms of Service ("Terms") govern access to and use of the websites, applications, products, services, and related software offered by Credit Vault LLC ("Credit Vault," "we," "us," or "our"), including the marketing website located at creditvaultapp.com and the logged-in software platform located at mycreditvault.io (collectively, the "Service").

By accessing or using the Service, creating an account, clicking to accept these Terms, or otherwise indicating assent, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility; Business Use Only

The Service is intended solely for use by businesses, including trading card shops, collectibles stores, and independent vendors, and by their authorized employees, managers, and agents.

You represent and warrant that:

• you are at least 18 years old;
• you have authority to bind the business entity on whose behalf you use the Service;
• you will use the Service only for lawful business purposes; and
• all information you submit is accurate, current, and complete.

The Service is not directed to consumers acting in a personal, family, or household capacity, and Credit Vault does not knowingly provide the Service to individual consumers for personal use.

2. Accounts; Security

You are responsible for all activity that occurs under your account and for maintaining the confidentiality of your credentials.

You will:

• use strong passwords and keep them confidential;
• restrict account access to authorized users only;
• immediately notify us of any suspected unauthorized access, breach, or misuse; and
• ensure that each user assigned to your account complies with these Terms.

We may rely on actions taken through your account as authorized by you.

We may suspend, disable, or terminate any account, at any time and without liability, if we believe in our sole discretion that:

• the account or Service is being used in violation of these Terms;
• security, fraud, or abuse risks exist;
• legal or regulatory concerns arise; or
• suspension is needed to protect the Service, our users, or third parties.

3. The Service

Credit Vault provides software tools that may include:

• trade-in intake and processing;
• store-credit tracking;
• pricing lookups and market reference tools;
• certification verification tools;
• sales and operational workflows;
• employee management, scheduling, and tasks;
• reporting and analytics; and
• related administrative tools.

The Service is an operational software tool, not a bank, payment institution, broker, dealer, fiduciary, custodian, or valuation guarantor.

3.1 Store Credit

Store credit tracked in the Service is an internal accounting ledger feature maintained on behalf of the business customer. It is not currency, not a deposit account, not a stored-value financial product, and not insured by any governmental or private insurer.

You are solely responsible for:

• setting, honoring, modifying, redeeming, and enforcing your own store-credit policies;
• ensuring that store-credit balances are accurate and lawfully administered; and
• resolving disputes with your customers regarding trade-ins, redemptions, adjustments, chargebacks, or similar matters.

Credit Vault does not issue store credit and does not guarantee or warrant the value, validity, legality, or enforceability of any store-credit balance.

4. Third-Party Pricing, Grading, and Data Sources

The Service may display, retrieve, compare, or reference pricing, market values, grading information, certification data, inventory data, shipping data, or similar information from third-party sources, including APIs and data providers.

4.1 No Guarantee of Accuracy

You acknowledge and agree that:

• third-party data may be incomplete, stale, inaccurate, delayed, unavailable, or erroneous;
• pricing and market values can change rapidly;
• API or provider errors may occur; and
• results returned by the Service are provided for convenience only.

4.2 Mandatory Manual Verification

You are solely responsible for independently reviewing, verifying, and validating all pricing, trade-in values, grades, certifications, and related business decisions before relying on them.

You must manually verify all pricing and related data before offering, accepting, or recording any trade-in, sale, redemption, or other transaction.

You agree that Credit Vault has no responsibility or liability for:

• pricing errors;
• inaccurate market data;
• omitted data;
• delayed data;
• malformed API responses;
• downtime or interruptions from any third-party source; or
• business losses arising from reliance on third-party data.

4.3 No Reliance

You expressly acknowledge that you are not relying on Credit Vault for professional appraisals, legal advice, tax advice, financial advice, accounting advice, or business advice. Any decision to use third-party pricing or grading information is made solely by you, at your own risk.

5. No Professional Advice

The Service is provided for informational and operational purposes only. Nothing in the Service constitutes:

• a warranty of resale value;
• an appraisal;
• a certification opinion;
• a tax, accounting, legal, or regulatory determination; or
• advice regarding the legality of any transaction or policy.

You are solely responsible for obtaining any professional advice you deem necessary.

6. Acceptable Use; Restrictions

You agree not to:

• misuse the Service or use it for unlawful purposes;
• violate any applicable law, regulation, or third-party rights;
• interfere with or disrupt the Service;
• reverse engineer, decompile, or attempt to derive source code except to the extent prohibited by law;
• scrape, harvest, or extract data except as expressly authorized;
• bypass security or access controls;
• upload malware or malicious code;
• use the Service to infringe intellectual property;
• impersonate another person or entity; or
• use the Service in a way that could expose Credit Vault to liability or harm.

We may investigate suspected violations and cooperate with law enforcement or regulators.

7. User Content; Data; Ownership

As between you and Credit Vault, and to the extent permitted by law:

• you retain ownership of content and data that you submit to the Service;
• you grant Credit Vault a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, process, transmit, display, reproduce, modify, and create derivative works of such data solely to provide, maintain, secure, improve, and support the Service;
• you represent that you have all rights and consents necessary to provide us with such data and authorize our processing of it; and
• you are responsible for the legality, accuracy, quality, and appropriateness of all data you upload or enter.

You agree that Credit Vault may create aggregated, de-identified, or anonymized data derived from use of the Service and may use it for business, analytical, security, and operational purposes, provided such data does not identify you or your end customers.

8. End-Customer Data

If you enter or maintain information about your own customers, employees, or other third parties, you represent and warrant that you have all necessary rights, notices, consents, and legal bases to collect, disclose, and permit Credit Vault to process that information.

You are solely responsible for:

• providing any required privacy notices or disclosures to your customers and employees;
• obtaining any required consents or authorizations;
• honoring rights requests;
• maintaining your own records of processing; and
• ensuring your use of the Service complies with law.

Credit Vault acts as a service provider, processor, or similar vendor only to the extent applicable under law and only with respect to data processed on your behalf under these Terms and any applicable Data Processing Addendum.

9. Fees; Billing; Renewal; Taxes

If you subscribe to a paid plan, you agree to pay all fees associated with your selected plan, including applicable taxes, subject to the pricing and billing terms presented at purchase or in your order form.

Unless otherwise stated:

• subscriptions renew automatically at the end of each billing period;
• fees are non-cancelable and non-refundable except where required by law or expressly stated otherwise;
• we may change pricing prospectively upon notice; and
• you remain responsible for all charges incurred prior to cancellation or termination.

You authorize us and our third-party payment processor to charge your designated payment method for recurring fees, taxes, late fees, chargebacks, reversals, and other amounts due.

9.1 Stripe and Payment Processing

We may use Stripe or another third-party payment processor. Payment processing is handled by the processor, not by Credit Vault directly.

You agree that:

• we are not responsible for processor outages, declines, errors, or account holds;
• the processor's terms govern its payment services; and
• you will maintain accurate payment information and promptly resolve failed payment issues.

9.2 Chargebacks

If you initiate a chargeback or payment dispute:

• we may suspend or terminate your account;
• you remain liable for the disputed amount, associated fees, and our reasonable costs of dispute resolution to the extent permitted by law; and
• we may submit account records, logs, and other evidence to the processor or financial institution.

10. Trial Access; Beta Features; Experimental Tools

We may offer trials, pilots, beta features, early-access features, or experimental functionality.

Such features are provided as-is, as available, without warranties, and may change or be discontinued at any time.

Beta or experimental features may be less reliable, contain bugs, or produce inaccurate results. You use them at your own risk.

11. Intellectual Property

The Service, including all software, interfaces, designs, text, graphics, logos, trademarks, and other materials provided by Credit Vault, is owned by or licensed to Credit Vault and protected by intellectual property laws.

Except for the limited right to use the Service under these Terms, no rights are granted to you.

You may not:

• copy, modify, distribute, sell, lease, or create derivative works from the Service;
• remove proprietary notices;
• use Credit Vault's name, logos, or branding without our prior written consent; or
• imply any affiliation, sponsorship, or endorsement by third parties whose marks, products, or services may be referenced in the Service.

Any third-party names, marks, or references used in the Service are the property of their respective owners. Credit Vault is not affiliated with, endorsed by, or sponsored by PSA, CGC, eBay, Stripe, Google, Vercel, Supabase, or any other third party unless expressly stated in writing.

12. Feedback

If you submit ideas, suggestions, comments, or feedback, you grant Credit Vault a perpetual, irrevocable, worldwide, royalty-free right to use them without restriction or compensation.

13. Privacy

Our collection and use of personal data is described in our Privacy Policy. By using the Service, you consent to the processing described in the Privacy Policy and any applicable DPA.

14. Suspension; Termination

We may suspend or terminate your access to the Service, in whole or in part, immediately and without notice or liability if:

• you breach these Terms;
• your payment obligations fail;
• we are required to do so by law;
• continued access could expose us or others to risk; or
• we discontinue the Service.

Upon termination:

• your right to use the Service ends immediately;
• any unpaid fees become immediately due;
• sections that by their nature should survive will survive, including payment obligations, disclaimers, limitations of liability, indemnity, dispute resolution, and IP provisions.

We are not liable for any loss of data, business interruption, or damages resulting from suspension, termination, or data deletion, except where prohibited by law.

15. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CREDIT VAULT DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, AND QUIET ENJOYMENT.

WITHOUT LIMITING THE FOREGOING, CREDIT VAULT DOES NOT WARRANT THAT: THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; DATA OR RESULTS WILL BE ACCURATE OR COMPLETE; THIRD-PARTY API OR PRICING DATA WILL BE CORRECT OR CURRENT; ANY DEFECTS WILL BE CORRECTED; OR THE SERVICE WILL MEET YOUR REQUIREMENTS.

YOU ASSUME ALL RISK FOR YOUR USE OF THE SERVICE AND ANY DECISIONS MADE BASED ON THE SERVICE.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• CREDIT VAULT WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES;
• CREDIT VAULT WILL NOT BE LIABLE FOR LOST PROFITS, LOST REVENUE, LOSS OF GOODWILL, LOSS OF DATA, BUSINESS INTERRUPTION, COST OF SUBSTITUTE SERVICES, OR LOSS ARISING FROM THIRD-PARTY DATA OR API FAILURES; AND
• CREDIT VAULT'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE, THESE TERMS, OR ANY RELATED CLAIM WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO CREDIT VAULT FOR THE SERVICE IN THE THREE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS (US $100).

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE, EVEN IF CREDIT VAULT HAS BEEN ADVISED OF THE POSSIBILITY OF THE DAMAGES.

Some jurisdictions do not allow certain limitations; in that event, the limitations apply to the fullest extent permitted by law.

17. Indemnification

You will defend, indemnify, and hold harmless Credit Vault and its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• your use of the Service;
• your breach of these Terms;
• your violation of law;
• your violation of any third-party right;
• data you submit or process through the Service;
• your store-credit policies, trade-in decisions, pricing decisions, or customer disputes;
• your use or misuse of third-party pricing or grading data;
• any claim that your business practices, disclosures, or consents were insufficient; or
• any content or materials you provide.

We may assume the exclusive defense and control of any matter subject to indemnification, and you will cooperate with us in asserting any available defenses.

18. Dispute Resolution; Arbitration

READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS.

18.1 Informal Resolution

Before filing a claim, the party asserting the dispute must provide written notice describing the dispute and requested relief. The parties will attempt in good faith to resolve the dispute informally for at least 30 days after notice is received.

18.2 Agreement to Arbitrate

Except for claims that may be brought in small claims court or claims seeking temporary or preliminary injunctive relief to protect intellectual property or prevent unauthorized access, misuse, or disclosure of confidential information, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules and, to the extent applicable, the Consumer Arbitration Rules, as modified by these Terms.

18.3 Class Action Waiver

THE PARTIES AGREE THAT ANY ARBITRATION OR OTHER PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION.

18.4 No Jury Trial

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PARTIES WAIVE ANY RIGHT TO A JURY TRIAL FOR CLAIMS NOT SUBJECT TO ARBITRATION.

18.5 Delegation

The arbitrator, and not any court, will have exclusive authority to decide issues of arbitrability, including the existence, scope, validity, enforceability, and interpretation of this arbitration agreement, except that a court of competent jurisdiction may decide issues relating to the enforceability of the class waiver or the availability of public injunctive relief to the extent such determination is required by law.

18.6 Arbitration Procedure

Arbitration will take place in Clark County, Kentucky, unless the parties agree otherwise or the applicable rules require a different location. The arbitration will be conducted in English. The arbitrator may award relief only to the extent permitted by law and only to the extent necessary to resolve the individual claim.

18.7 Fees

Each party will bear its own attorneys' fees and costs unless the arbitrator determines a fee award is required by applicable law or the governing arbitration rules. We will pay arbitration filing and administrative fees to the extent required by law or the applicable rules.

18.8 Opt-Out

If required for enforceability in your jurisdiction, you may opt out of this arbitration agreement by sending written notice to Support@creditvaultapp.com within 30 days after first accepting these Terms. Any opt-out must include your full legal name, business name, account email, and a clear statement that you are opting out of arbitration.

18.9 Severability

If any portion of this arbitration section is found unenforceable, the remainder will be enforced to the maximum extent permitted by law, and the unenforceable portion will be severed or reformed as necessary to preserve the parties' intent.

18.10 Survival

This dispute resolution section survives termination of the Terms or your use of the Service.

19. Governing Law; Venue

These Terms and any dispute not subject to arbitration will be governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-laws principles.

Subject to the arbitration section, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in or serving Clark County, Kentucky for any action arising out of or relating to these Terms or the Service.

20. Electronic Communications

You consent to receive communications from us electronically, including by email, in-app notices, and website postings. Electronic communications satisfy any legal requirement that such communications be in writing to the extent permitted by law.

21. Changes to the Terms

We may modify these Terms at any time by posting an updated version or otherwise providing notice. Changes are effective when posted or on the date stated in the notice, whichever is later. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

22. Miscellaneous

• Entire Agreement. These Terms, the Privacy Policy, the DPA, any order form, and any additional terms referenced herein constitute the entire agreement between you and Credit Vault regarding the Service.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms freely.
• Severability. If any provision is unenforceable, the remainder will remain in effect.
• No Waiver. Our failure to enforce any provision is not a waiver.
• Force Majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Headings. Headings are for convenience only.
• Relationship of Parties. The parties are independent contractors. No partnership, joint venture, agency, or fiduciary relationship is created.
• Notices. Notices to us must be sent to Support@creditvaultapp.com and, if applicable, to our mailing address: Credit Vault LLC, PO Box 284, Winchester, KY 40391.

23. Contact Information

Credit Vault LLC
PO Box 284
Winchester, KY 40391
Support@creditvaultapp.com