Terms of Service

The "Services" are the TraidSafe identity network, account services, identity verification, authorized screening and monitoring, reporting and reputation functions, websites, applications, and other features for which these Terms are presented. CardTrade is a product owned and operated by TraidSafe, not a separate network account provider. A "Partner" is a participating association, marketplace, platform, or other organization. A "Program" is the membership, certification, marketplace access, or other connected service you request.

Whether you first enroll through TraidSafe, CardTrade, the Certified Trading Card Association (CTCA), or another Partner, you establish a direct account relationship with TraidSafe. Enrollment creates your TraidSafe account if you do not already have one or connects the requested service to your existing account if you do. A Partner account is separate from, but linked to, your TraidSafe account. TraidSafe is not acting solely as a one-time verification vendor for that relationship.

Joining through CTCA or another Partner does not by itself purchase a CardTrade subscription, create an account on every Partner platform, or authorize every available check, disclosure, or marketing activity. Available features, eligibility requirements, and charges depend on the service you select.

You accept these Terms by selecting an affirmative acceptance control that identifies them, signing an agreement that incorporates them, or otherwise expressly agreeing through an approved enrollment process. We make them available before acceptance. You may retain a copy. Merely visiting a website or acknowledging a privacy notice does not provide screening, biometric, ongoing-monitoring, or marketing consent.

Our Privacy Policy at https://TraidSafe.com/privacy explains how we handle personal information. The Verification, Screening and Ongoing Monitoring Notice, Biometric Information Policy, Verification Service Provider Disclosures, and Consumer Report Access, Dispute and Correction Policy provide additional information and procedures. Their locations are listed in Section 22. Applicable notices and separately required authorizations are presented before the relevant collection or activity. Core access and dispute rights do not depend on purchasing another service.

Product-specific terms issued by TraidSafe and clearly presented and accepted for a feature or transaction supplement these Terms and control a conflict about that feature or transaction. A separately signed agreement binds only its actual parties. A Partner cannot amend, waive, expand, or make additional promises under the TraidSafe terms without TraidSafe's express written agreement. A Privacy Policy is a notice, not a blanket authorization. Required direct provider agreements are identified separately for acceptance. A specific consent controls the permitted scope of the activity it authorizes; no general document enlarges it. Mandatory legal rights control over inconsistent terms.

You must be at least 18 and the age of majority where you live, have legal capacity to enter this agreement, and use only features offered for your location. CardTrade serves eligible U.S. and Canadian residents, subject to feature and jurisdiction restrictions. Do not misstate your location or bypass a geographic restriction.

Provide accurate information, update it when necessary, safeguard your credentials, and promptly report suspected unauthorized access. Changes to verified information may require supporting evidence and review rather than unrestricted editing. You are responsible for activity you authorize and for your own failure to use reasonable safeguards, not automatically for every unauthorized act involving your account.

When you act for a business, you represent that you have authority to bind it for its use of the Services. A business profile does not replace the separate identities of its owners, representatives, or other individuals who must be verified. You may not supply another person's biometric or screening consent unless applicable law and our approved process expressly permit it.

Each individual may have only one TraidSafe network account. On enrollment with a connected service, we check for an existing identity, reuse it when the match is established, and create a new account only when none exists. You may have separate accounts with multiple Partners, but they connect to the same TraidSafe identity.

Do not create, buy, transfer, borrow, or seek another network identity to avoid verification, an account restriction, or prior history. A different email address, username, business affiliation, or enrollment platform does not entitle you to a fresh TraidSafe identity. Legitimate account recovery, corrected identity information, and review of a mistaken match are not violations of this rule.

The identity is intended to persist across connected services so relevant positive and negative history follows the individual rather than a replaceable username. A possible match may require further verification or human review before accounts or history are linked. Duplicate prevention is a design objective, not a guarantee that every attempt will be detected. Persistence does not authorize indefinite retention of every underlying record or override applicable correction, deletion, or reporting restrictions.

A requested feature may require identity information, a government-issued document, a selfie or liveness assessment, or other information identified before collection. We may use qualified service providers through technical integrations within our own or a Partner's interface. Information may be transmitted to a provider even when you remain within that interface; use of a separate hosted provider website is not a prerequisite to provider processing.

Before an activity requiring specific consent, we present the applicable disclosures and obtain the required affirmative authorization. Biometric collection, use, disclosure, and retention are addressed in the separate biometric notice and release where required. We record acceptance evidence and may transmit the necessary consent confirmation and identifying information to the relevant provider. Recording consent in an API does not replace the user-facing disclosure and acceptance process.

Declining a verification method may prevent access to a feature that lawfully requires it. We provide another method or review where available or legally required. Verification does not grant unrestricted permission for facial recognition across unrelated services, new screening purposes, or future recipients. A later connection or security concern may require additional authentication or a new check.

Where offered and lawfully authorized, screening may include specified criminal-record and sex-offender-registry searches. The applicable disclosure and authorization identify the requesting Program, purposes, checks, recipients, and duration or stopping event. These Terms alone do not authorize a background check or ongoing monitoring. Checks and disclosures must remain within the applicable authorization, lawful purpose, and permitted service arrangement.

For a Partner enrollment, the Enrollment Summary identifies the selected Program, authorized checks, recipients, monitoring status and period, and applicable commercial terms. Membership and certification can have different requirements. Account creation alone never turns monitoring on. Canceling a future paid renewal and withdrawing current monitoring permission are different requests; either may be made through the applicable disclosed channel.

Ongoing monitoring means obtaining specified updates through repeated searches or provider alerts during the authorized period. It is not continuous observation of your activities and does not guarantee immediate, complete, or error-free information. Record availability, source reporting, identity matching, and processing may cause delays or errors. A possible match is not proof of an offense, and the absence of a result is not proof that no relevant history exists.

You may withdraw monitoring permission for a specified Program or request that all consent-based monitoring stop by contacting us under Section 22. We accept the request directly, identify the affected enrollments, discontinue processing that relies on the withdrawn permission, and coordinate the required provider actions. We explain material service consequences and confirm the outcome. We do not require you to contact a provider before we accept your request.

Ending CTCA membership or another Program ends that Program's monitoring scope when its authority ends. Another active Program supports continued monitoring only under its own independently valid authorization and purpose. If no valid authority remains, monitoring stops. Withdrawal does not undo completed lawful processing or eliminate records we may lawfully retain, but a retained identity does not itself keep monitoring or Partner access active. Reenrollment may require new authorization and current screening.

Network history may include relevant verification and certification status, transaction experiences, positive and negative feedback, reported incidents, source decisions, account restrictions, dispute outcomes, and corrections. We associate permitted history with your TraidSafe identity to support accountability across connected services. Leaving one platform or changing a username does not, by itself, erase accurate and lawfully reportable history.

History is shared only with an authorized recipient for an approved purpose under the applicable notices, permissions, contracts, and law. A Partner's participation does not provide unrestricted access to everyone in the network. Connecting another service does not automatically give it your raw identity documents, full report, or every historical record. The relevant connection or collection notice identifies the information and purposes involved.

We distinguish allegations, opinions, substantiated facts, and a source's own decision. A Partner's allegation or restriction is not automatically a verified finding or network-wide ban. Disputed attribution, missing context, inaccurate facts, and information that should no longer be reported are subject to review. Corrected, deleted, or excluded information must not continue to affect reporting through an outdated status or derived indicator.

You may request, without a fee, available reports we maintain about you, the information in your TraidSafe consumer file, relevant sources and recipient information, and correction or investigation of inaccurate, incomplete, wrongly attributed, or improperly reported information. These rights are available to direct and Partner-entry users, including people whose application was denied, membership expired, or account was suspended or closed. We verify identity proportionately and provide an alternative route when normal account access is unavailable.

Submit an explanation and any supporting evidence through the contact methods in Section 22. You do not have to prove conclusively that an error occurred, first obtain a source correction, purchase another check, or renew monitoring. Individuals cannot directly rewrite official reports; we investigate and correct, delete, or otherwise resolve information as appropriate. We provide results and applicable next steps and communicate necessary corrections to affected recipients. The Privacy Policy and Consumer Report Access, Dispute and Correction Policy explain the process and applicable timeframes.

For activities governed by the Fair Credit Reporting Act (FCRA) or another consumer-reporting law, we fulfill the duties applicable to our actual role, including accuracy procedures, permissible-purpose controls, reporting limits, required file disclosures, investigations, and notices. We also extend the core access and correction process described here to other relevant network records. Providing those rights does not determine the legal classification of every activity. Nothing in these Terms permits an unlawful use or waives mandatory privacy or consumer-reporting rights.

A Partner establishes and administers its own membership requirements, training, certification standards, fees, and decisions unless an expressly disclosed arrangement assigns a particular function to TraidSafe. We provide our account and network services and the technology and administrative functions agreed for the Program. Each party remains responsible for its own activities and legally imposed duties. Certified Trading Card Association (CTCA), not TraidSafe, is the issuer of a CTCA membership or certification and the seller of CTCA-billed Program services. TraidSafe does not guarantee CTCA's content, commercial promises, eligibility standards, refunds, or relationships with other platforms. This distinction does not excuse TraidSafe's own acts, omissions, or nondelegable legal duties.

A badge, completed verification, certification, or status does not guarantee approval by another Partner. A Partner's program decision and a TraidSafe network-access decision are distinct. A lawful TraidSafe restriction may affect services requiring an active TraidSafe account, but we do not automatically treat every Partner restriction as a network restriction.

The actual decision-maker must provide applicable decision notices and review opportunities. A report dispute may require correction even when a separate Program decision remains unchanged. Where TraidSafe makes a decision, it is responsible for its own applicable notice and review obligations; using a provider does not eliminate those duties.

CTCA and other Partners have no authority to bind TraidSafe to service levels, screening coverage, business outcomes, indemnities, or refunds not expressly undertaken by TraidSafe. Unless mandatory law provides otherwise, TraidSafe is not liable merely because it supplied technology for an act attributable solely to a Partner. A separate Partner contract, not these individual-user Terms, governs any allocation of liability between the companies.

Use the Services only for their intended, lawful purposes. Do not impersonate others; knowingly submit false identity information, incident reports, or claims; offer stolen or counterfeit goods; engage in fraud, threats, harassment, or unlawful discrimination; access someone else's records without authority; publish private screening or biometric information; scrape personal data; or compromise security, introduce malicious code, or circumvent access controls.

Do not use or redistribute another person's information for employment, housing, credit, insurance, stalking, marketing, public shaming, or any other purpose not specifically authorized for the service and recipient. A status or summary cannot be used to bypass restrictions that apply to the underlying information. These restrictions do not prevent obtaining or lawfully using your own records, making a protected disclosure, seeking legal advice, contacting a regulator, or exercising a statutory right.

Nothing prohibits honest reviews, criticism of TraidSafe, lawful whistleblowing, or reporting suspected misconduct to appropriate authorities. A good-faith dispute or privacy request is not account abuse.

We and our licensors retain rights in the software, interfaces, branding, technology, and documentation. Subject to these Terms, we grant you a limited, nonexclusive, nontransferable license to use the Services for their intended purposes. Do not copy, commercially exploit, or reverse engineer protected technology except as permitted by applicable law despite this restriction.

You retain your rights in content you submit. You grant us a nonexclusive license to host, process, reproduce, transmit, and display it only as reasonably necessary to provide the requested Services, conduct authorized sharing, maintain security, and meet lawful recordkeeping obligations. You must have the rights necessary to submit it. This license does not make private documents public or authorize unrelated advertising or general-purpose AI model training on identity documents, biometrics, screening reports, or private incident evidence. Personal-information processing remains subject to the Privacy Policy and applicable authorizations.

Before payment, the applicable offer or checkout identifies the seller, price, taxes, billing interval, included features, and additional charges. Recurring subscriptions renew for the disclosed interval until canceled, but only after the required renewal disclosures and affirmative recurring-payment consent. A free trial converts to a paid subscription only on the terms clearly disclosed and accepted at enrollment.

Cancel using the method identified at enrollment, the applicable account or app-store subscription controls, or contact support@cardtrade.com for assistance. We provide methods required by law and do not impose an unlawfully burdensome cancellation process. Unless the offer or law provides otherwise, cancellation stops the next renewal and paid access continues through the paid term. Deleting an application is not necessarily cancellation of an app-store subscription; contact us for assistance if the billing source is unclear.

Refunds follow the applicable offer, protection policy, and law. We do not waive mandatory refund rights. Price changes apply prospectively after required notice and consent. Partner-billed memberships and certifications follow that Partner's disclosed commercial terms. A Partner enrollment does not create an undisclosed TraidSafe subscription, and a Partner's nonpayment does not excuse our mandatory duties to you.

We may send account, security, transaction, authorization, and service notices to your registered contact information or through the Services. Keep your details current. Electronic notices are delivered subject to applicable requirements for consent, content, format, and access; these Terms do not substitute for a separate electronic-delivery consent where one is required.

Marketing permissions are separate from account, verification, and monitoring authorizations. You may opt out of promotional communications using their instructions without opting out of essential service notices. Any required text-message terms and consent are presented separately. We do not treat enrolling through a Partner as permission for unrelated marketing by all Partners.

Transactions between users. Unless an offer expressly identifies TraidSafe as the seller, buyers, sellers, and traders transact with each other. You are responsible for your descriptions, ownership and authority to transfer goods, authenticity claims, agreed delivery terms, taxes, and contractual obligations. Verification of a person is not authentication, grading, appraisal, or proof of ownership of a card.

Payments and delivery. Protected Payment and payout features follow the payment arrangements disclosed for the transaction, including provider terms, release conditions, fees, refunds, and disputes. Funds may be held or released under those arrangements, a valid dispute, or law. These Terms do not create an undisclosed escrow or trust relationship or override obligations imposed by the actual handling of funds. Follow the applicable shipping, packaging, tracking, and evidence requirements.

Protection benefits. Shipping Protection and Scam Protection apply only as provided by the policy and offer for the eligible transaction. Those documents state limits, eligibility, exclusions, evidence requirements, reporting deadlines, and claim procedures. The published policies are available at https://cardtrade.com/shipping-protection and https://cardtrade.com/scam-protection. A verification badge, TraidSafe account, or CTCA membership alone does not create a protection benefit.

The policy and offer in effect when protection attaches govern the transaction; later changes do not retroactively reduce an attached benefit. An express protection commitment controls over a general disclaimer in these Terms. A claim decision does not eliminate a refund, chargeback, or statutory remedy that law preserves. There is no duplicate recovery for the same loss, and recoveries from other sources may be accounted for as the policy and law permit.

Digital records and reviews. Digital Coin records and uploaded media document information submitted through the Services; they are not title certificates, independent grading, or proof an item remains in the same condition or possession. Reviews must reflect honest experience. Subscription features and optional charges are defined in the accepted offer, not inferred from a maximum advertised protection limit.

We may update features, apply reasonable security controls, or discontinue a feature. When practicable, we provide reasonable notice of material reductions to paid features and any remedy required by law or an applicable offer. We may act immediately to address urgent security risks, unlawful activity, or legal requirements. We remain responsible for obligations already incurred, including valid protection claims, refunds, and consumer-rights requests.

We may restrict, suspend, or terminate access for a material breach, credible fraud or security risk, legal requirement, or failure to complete a lawfully required verification. Where practicable and lawful, we explain the reason and provide an opportunity to respond. We may limit details to protect security, an investigation, another person's rights, or a legal restriction. Report-based actions remain subject to applicable notice, accuracy, and review duties.

You may close your account by contacting us. We review related service connections, monitoring authorizations, public statuses, and retained information. Closure does not automatically erase records that have a continuing lawful purpose, cancel payment obligations already incurred, or invalidate an eligible protection claim. It does not authorize unlimited retention or ongoing monitoring. Our Privacy Policy explains deletion and retention.

Reenrollment uses the existing identity and lawfully retained history when available rather than creating an evasion account. We do not restore information that must remain deleted, blocked, or excluded. Correcting a mistaken identity association remains available. Report access, disputes, privacy rights, and legally required notices remain available after closure and do not depend on renewed membership.

If a Partner changes providers or its commercial relationship with TraidSafe ends, that event does not itself transfer your TraidSafe account to the Partner or terminate independently authorized connections. TraidSafe may retain only lawfully maintained identity and records under its Privacy Policy. We do not continue the ended Program's monitoring, enroll you in a new paid service, or transfer a private report merely because the commercial arrangement ended.

Except for express commitments in an applicable offer, protection policy, or these Terms, and to the extent permitted by law, the Services are provided "as is" and "as available" without implied warranties of merchantability, fitness for a particular purpose, or noninfringement. We do not guarantee uninterrupted availability, perfect security, detection of every duplicate or fraud attempt, or error-free third-party data.

A verification result, screening result, badge, or certification is not a guarantee of honesty, safety, legal compliance, future behavior, item authenticity, or a successful transaction. Exercise reasonable judgment. These limitations do not excuse duties imposed by law, including applicable accuracy, information-security, privacy, and consumer-reporting duties, or reduce an express protection commitment.

To the maximum extent permitted by applicable law, TraidSafe and its officers, directors, employees, and agents are not liable under these Terms for indirect, incidental, special, or consequential damages or lost profits arising from the Services. TraidSafe's aggregate liability arising from the affected Services is limited to the greater of US$100 or fees paid to TraidSafe by you, or specifically on your behalf for your use of those Services, in the 12 months before the event giving rise to the claim. Merchandise payments and fees attributable to other individuals are not included in that calculation.

These limitations do not reduce amounts owed under an express protection commitment; transaction funds or refunds lawfully owed to you; liability for fraud, willful misconduct, or gross negligence; liability for death or personal injury where exclusion is prohibited; or statutory rights, damages, and remedies that cannot lawfully be limited, including applicable privacy, biometric, and consumer-reporting remedies. Other mandatory exceptions remain applicable. Nothing requires an unlawful advance release of claims or shifts responsibility for our legal duties to you.

To the extent permitted by law, you will indemnify TraidSafe and its officers, directors, employees, and agents against reasonable, documented losses and defense costs on a third-party claim to the extent caused by your fraud, knowing submission of unlawful content, infringement of another's rights, or material unlawful misuse of the Services. This does not cover our or a provider's negligence, legal violation, or breach, or your good-faith exercise of consumer rights.

We will give prompt notice and reasonable cooperation, subject to any effect of delayed notice on the defense. We will not agree to a settlement imposing an admission, nonmonetary obligation, or payment on you without your consent, which will not be unreasonably withheld. Neither party may settle a claim in a way that improperly compromises the other's rights.

Informal resolution. Either party may send a written description of a dispute and requested relief and ask for a good-faith discussion for 30 days. Send notices to support@cardtrade.com with "Legal Notice" in the subject. We use your registered contact information. This process does not bar small claims, urgent protective relief, regulatory complaints, or action needed to preserve a statutory deadline. Applicable limitation periods are tolled during an agreed informal-resolution period to the extent permitted by law.

Consumer-rights requests are separate. File-access, screening disputes, corrections, statutory blocking requests, and privacy requests follow their own procedures and deadlines. They do not require a legal notice, arbitration filing, or this 30-day discussion period.

Administration and costs. Except for the exclusions below, a dispute arising from these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its applicable Consumer Arbitration Rules and Consumer Due Process Protocol. The Federal Arbitration Act governs this agreement to arbitrate. The rules and filing information are available at https://www.adr.org/consumer. TraidSafe agrees to the consumer protections in those rules for covered individual-user disputes, including business-related use of an individual account. Hearings may be remote by agreement or in your county of residence, consistent with the rules. TraidSafe pays business-allocated fees; your charges will not exceed the rules or applicable law.

Exceptions and authority. Either party may bring an eligible individual claim in small-claims court. You may contact regulators, participate in investigations, bring claims that law makes nonarbitrable, and seek public injunctive relief where that right cannot be waived. A court decides whether an agreement to arbitrate exists and whether this section is enforceable. The arbitrator decides the merits of covered claims and may award the individual remedies available under applicable law. If AAA declines administration and the parties do not agree on a lawful substitute, either may proceed in a court with jurisdiction.

Individual proceedings. To the extent lawful, covered claims must proceed individually rather than as class, collective, consolidated, or representative claims, and the parties waive jury trial for arbitrated claims. Nonwaivable public-injunction and representative rights remain. A court determines the treatment of a claim or remedy that cannot lawfully proceed in individual arbitration; remaining matters proceed only to the extent lawful. This does not prevent legally authorized mass-arbitration administration under the applicable rules without changing the individual nature of the claims.

Thirty-day opt out. Reject this section by emailing support@cardtrade.com within 30 days after first accepting it. Use "Arbitration Opt Out" and include your name and account email or identifier. No reason or special form is required; opting out does not affect service access. A timely prior opt-out remains effective. A material expansion requires affirmative agreement and a fresh opt-out opportunity. A later change does not alter an existing dispute without both parties' agreement. A timely notice sent to either CTCA or TraidSafe that clearly identifies both agreements will be treated as received for the TraidSafe agreement on its initial receipt date. A CTCA-only opt-out is not a TraidSafe opt-out. No Partner may override your existing TraidSafe opt-out.

Delaware law governs these Terms, excluding conflict-of-law rules, except that the Federal Arbitration Act governs Section 20 and mandatory protections where you reside remain applicable. Nonarbitrable matters may be heard in a court with lawful jurisdiction. We do not require waiver of a venue or protection that mandatory law preserves.

We post an updated effective date and give appropriate advance notice of material changes, normally at least 30 days where practicable. Shorter notice may be needed for law or urgent security issues. We obtain fresh acceptance or consent when required. Changes do not retroactively alter completed transactions, existing claims, or the scope of a prior authorization. A revised privacy notice alone does not authorize a new sensitive-data purpose. The applicable version is the version actually presented and accepted; a link to this live page does not incorporate all later changes into a past authorization.

If a provision is unenforceable, the remainder continues to the extent lawful. Failure to enforce once is not a continuing waiver. You may not transfer a personal account or these obligations without permission. We may assign this agreement in a lawful reorganization or business transaction subject to existing consumer and privacy obligations. These Terms and applicable accepted supplements form the agreement for the covered Services; they do not amend a Partner's agreement without its assent. Provisions necessary to resolve existing rights, payments, claims, permitted recordkeeping, intellectual property, and disputes survive termination only to their applicable extent.

TraidSafe Inc. | 13069 W Sawyer Rd, Hayward WI 54843

Email: support@cardtrade.com. This address serves TraidSafe requests regardless of whether you entered through CardTrade, CTCA, or another Partner. Indicate "Account," "Report Access," "Dispute," "Privacy," "Stop Monitoring," or "Legal Notice" to help route your request; special wording is not required for a consumer-rights request. Secure request form: https://TraidSafe.com/privacy-request.

Do not send an unredacted identity document, full Social Security number, or full payment-card number by ordinary email. We provide a secure method for necessary supporting information and alternative assistance when account access is unavailable.

• Privacy Policy: https://TraidSafe.com/privacy
• Verification, Screening and Ongoing Monitoring Notice: https://TraidSafe.com/legal/verification-and-monitoring
• Biometric Information Policy: https://TraidSafe.com/legal/biometrics
• Verification Service Provider Disclosures: https://TraidSafe.com/legal/verification-providers
• Consumer Report Access, Dispute and Correction Policy: https://TraidSafe.com/legal/consumer-rights