CROWNCARDS

CrownCards Terms of Use

Last updated and effective date: October 15, 2026

Crown Cards LLC ("CrownCards," "we," "us," or "our") operates the CrownCards website, mobile application, and related services involving the buying, selling, digital opening, sourcing, storage, and shipping of collectible items and other goods. The website, mobile application, and related services together comprise the CrownCards platform (the "Platform").

BY ACCESSING OR USING THE PLATFORM, YOU ACCEPT THIS AGREEMENT, INCLUDING THE MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 14. YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THIS AGREEMENT. YOU MAY NOT ACCESS OR USE THE PLATFORM IF YOU ARE NOT AT LEAST 18 YEARS OLD. IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THIS AGREEMENT, DO NOT ACCESS OR USE THE PLATFORM.

Certain terms used in this Agreement have the following meanings:

"Account" means your CrownCards user account.

"App" means the CrownCards mobile application.

"Business Day" means any day other than a Saturday, Sunday, U.S. federal holiday, or other day on which banking institutions are generally authorized or required to close in the United States.

"Buyback," "buyback offer," "cash-out offer," "Sell Card," "Sell Item," "Accept Offer," and similar expressions mean a limited-time offer, if made available by CrownCards, to complete a Sale concerning an Item revealed or added to your Account. These expressions do not themselves indicate that you hold legal title to the physical Item.

"Display Price" means, on an Item-by-Item basis and subject to this Agreement, the price displayed on the Platform as the Sell Card price, Sell Item price, buyback price, cash-out offer, or other offer price for the applicable Item.

"CrownCards-approved sale program" means a CrownCards-controlled program, offer, or arrangement under which a user may complete a Sale with CrownCards or a CrownCards affiliate, including a transaction involving contractual rights under Section 5.3. It does not mean a peer-to-peer sale, user-to-user sale, remittance, third-party merchant payment, or third-party payment facilitation feature.

"Estimated Market Value" means an estimated value for an Item as determined by CrownCards using data, models, and factors CrownCards considers relevant, including recent comparable sales, market data, grading information, condition, rarity, liquidity, demand, replacement cost, time-to-sale averages, acquisition difficulty, and proprietary factors. Estimated Market Value is not a guarantee of any resale price, cash-out price, future value, or third-party sales-channel value.

"Item" or "Items" means any physical collectible made available through the Platform, including physical collectible categories introduced from time to time.

"Inventory Entry" means a product, Item, Pack, or other nonmonetary entitlement recorded in the inventory feature of your Account. Account balances are not Inventory Entries.

"Inventory Partner" means an affiliated or independent vault operator, custodian, warehouse, storage provider, or fulfillment provider engaged by CrownCards to hold, store, handle, or fulfill Items on its behalf.

"KYC Verification" means identity, age, account, payment, tax, sanctions, source-of-funds, location, or other verification required by CrownCards, its Payment Agents, or other service providers.

"Sale Fee" means any transaction surcharge, platform fee, processing fee, sale fee, or other amount deducted by CrownCards from a Display Price in connection with a Sale.

"Net Sale Proceeds" means, where a Sale provides for proceeds eligible for credit to the Wallet under Sections 5.7 and 6.10, the applicable Display Price or portion of it allocated to those proceeds, less the Sale Fee and any applicable taxes, fees, reserves, adjustments, chargebacks, shipping charges, storage charges, amounts owed to CrownCards, or other deductions disclosed on the Platform or required by law. Consideration issued as Platform credit or Promotional credit is not Net Sale Proceeds, except as released under Section 6.10. Net Sale Proceeds may arise from a Sale involving contractual rights under Section 5.3; the term does not imply that you previously held or transferred legal title to a physical Item.

"Pack," "card pack," "box," or similar product description means a digital opening product that contains or represents one or more possible Items disclosed or described on the Platform before purchase. A Pack may relate to any Item category offered on the Platform and is not limited to trading cards.

"Payment Agent" means any third-party payment processor, payment service provider, acquiring bank, payout provider, identity-verification provider, fraud-prevention provider, or other service provider appointed by CrownCards to process or support payments, payouts, refunds, reversals, verification, or related services.

"Payment Data" means information relating to a Payment Mechanism that is provided, stored, or processed in connection with a Platform transaction.

"Payment Instructions" means valid payment, payout, debit card, bank account, supported payout account, tax, identity, or other information required by CrownCards or a Payment Agent to complete a purchase, refund, reversal, Sale Proceeds Request, cash payout, or verification process.

"Payment Mechanism" means a payment method accepted by the Platform or its Payment Agents, including a debit card, credit card, bank account, digital wallet, or other approved payment method.

"Platform credit" means limited-use, in-platform store credit issued by CrownCards and accepted only by CrownCards for eligible transactions on the Platform.

"Promotional credit" means bonus cash, bonus credit, promotional credit, coupons, referral credit, rewards, discounts, goodwill credit, or other promotional value issued by CrownCards, whether or not subject to playthrough, expiration, or other conditions under Section 6.10.

"Sale" means a completed buyback, cash-out, Sell Card or Sell Item transaction, automatic repurchase under Section 5.8, or other expressly authorized transaction with CrownCards or a CrownCards affiliate. If legal title to the Item has not passed to you under Section 5.3, the Sale exchanges your contractual rights to obtain the Item for the applicable consideration and does not transfer legal title from you. If you already hold legal title, the Sale involves your transfer of that title and your interest in the Item. A Sale is separate from the initial Pack or Item purchase and is governed by the applicable offer or automatic-repurchase terms. The terms Sale, Sale Fee, Net Sale Proceeds, and Sale Proceeds Request include transactions involving contractual rights as described in this definition.

"Sale Proceeds Request" means a request by you to receive a cash payout of eligible Net Sale Proceeds from your Wallet to a supported payout method through a Payment Agent. The Platform may describe this feature as "Request Sale Proceeds," "Request Payout," or similar language. A Sale Proceeds Request is not a cash-out, redemption, transfer, or payout of Platform credit, Promotional credit, User Balance Funding value, or any other non-sale value.

"Settlement Date" means, for a Sale resulting in Net Sale Proceeds, the later of (a) the date on which you accept the Sale or CrownCards completes an automatic repurchase under Section 5.8, as applicable, and (b) the date on which CrownCards has valid Payment Instructions, verification status, and payment-processor approval sufficient to credit or process the applicable Net Sale Proceeds, as determined by CrownCards in its sole discretion.

"User Balance" means the Platform credit, Promotional credit, Wallet balance, and other account ledger entries reflected in your CrownCards Account that may be used for eligible transactions on the Platform, subject to this Agreement. User Balance is a platform ledger; it is not itself a bank account, payment account, stored-value account, or Wallet.

"Wallet" means the ledger feature in your Account that records U.S. dollar-denominated Net Sale Proceeds derived from the Sale concerning Items, subject to this Agreement. The Wallet may be credited only with Net Sale Proceeds or other proceeds from CrownCards-approved sale programs. You cannot deposit, load, top up, purchase, fund, or add money, Platform credit, Promotional credit, User Balance Funding value, or other non-sale value into the Wallet.

1. Privacy

By using the Platform, you submit personal information and other data ("User Data") to CrownCards. CrownCards will collect, use, process, and share your User Data in accordance with our Privacy Policy, which is incorporated into this Agreement by reference. You consent to such collection, use, processing, and sharing in accordance with our Privacy Policy and applicable law.

2. Accounts

2.1 Account Eligibility and Creation

You may maintain only one CrownCards Account. Creating, operating, controlling, or attempting to control multiple Accounts is prohibited and may result in suspension or termination of all Accounts, cancellation or reversal of transactions, forfeiture of Promotional credit, restriction of User Balance activity, cancellation of Sale Proceeds Requests, and other action permitted by this Agreement or applicable law.

To create and maintain a CrownCards Account, you must meet the following requirements:

2.2 Verification of Account Information

CrownCards reserves the right to verify your eligibility and Account information at any time. Verification may require you to provide government-issued identification, a live video or photograph for facial matching, proof of address, tax information, source-of-funds information, Payment Mechanism information, Payment Instructions, bank or debit card information, supported payout account information, or other information requested by CrownCards or its Payment Agents.

KYC Verification may include submission of a liveness image, government-issued ID, email address, legal name, date of birth, physical address, taxpayer identification number, and other required information. CrownCards may use third-party providers to conduct identity, fraud, location, sanctions, AML, source-of-funds, or other verification checks.

If CrownCards cannot verify your identity, eligibility, Payment Mechanism, Payment Instructions, location, or compliance status, CrownCards may restrict, suspend, or terminate your Account; cancel, delay, deny, reverse, or condition purchases, shipments, buybacks, cash-out offers, Sales, Wallet credits, or Sale Proceeds Requests; and take any other action permitted by this Agreement or applicable law.

2.3 Eligible Locations and Compliance with Laws

The Platform may be restricted or unavailable in certain jurisdictions. It is your responsibility to understand and comply with all applicable local, state, federal, and international laws. You must not use the Platform where prohibited. CrownCards reserves the right to limit the provision, quantity, availability, or functionality of any feature, product, or service to any person, Account, or geographic area.

Any offer made through the Platform is void where prohibited. CrownCards does not provide legal advice regarding whether your use of the Platform is lawful in your jurisdiction.

2.4 Account Deletion

You may voluntarily request deletion of your Account through the Platform where supported or by contacting support@crowncards.io. Before confirming deletion, you are responsible for using any remaining Platform credit and Promotional credit, receiving payment of any eligible Net Sale Proceeds through a Sale Proceeds Request, having eligible Items shipped or completing a Sale concerning them, and using any other remaining Inventory Entries, in each case subject to this Agreement.

Purchased Platform credit and Promotional credit are not eligible for a Sale Proceeds Request and are not redeemable for cash except where required by law.

If you voluntarily confirm deletion after being notified of the forfeiture consequences, then, to the extent permitted by applicable law, (a) any remaining Platform credit and Promotional credit is cancelled; (b) any remaining Wallet funds and Net Sale Proceeds are forfeited to CrownCards; and (c) all remaining Inventory Entries are cancelled and you surrender your contractual rights concerning them, including any rights to unshipped Items, and transfer to CrownCards any legal title you already hold to those unshipped Items.

2.5 Account Responsibilities

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your Account. You are responsible for maintaining access to the Platform within your sole control. Any conduct by a third person using or accessing your device or Account is your responsibility. You remain liable for transactions made by others accessing your device or Account, even if your financial institution reverses related charges. You must password-protect your device and log out when finished.

CROWNCARDS ACCOUNTS ARE NOT TO BE USED OR SHARED BY MORE THAN ONE INDIVIDUAL. DOING SO MAY RESULT IN IMMEDIATE TERMINATION.

2.6 Authorization for Contact

By creating an Account, you authorize CrownCards and its service providers to contact you electronically by email, phone, text message, push notification, in-app notification, or other means for account verification, support, security, transaction, legal, compliance, and agreement-related matters. This authorization continues while you maintain an Account and as otherwise permitted by law.

3. Use of Platform

3.1 Limited License

CrownCards grants you a limited, revocable, non-transferable, non-exclusive license to access and use the Platform for your own personal use in accordance with this Agreement. Any attempt to access source code, back-end systems, databases, APIs, inventory systems, risk systems, algorithms, or to manipulate the Platform or related software may result in immediate termination of your Account and other available remedies.

3.2 Acceptable Use and Restrictions

You agree not to:

3.3 Modification

CrownCards reserves the right, at any time, to modify, suspend, limit, discontinue, or remove the Platform, the App, the website, any product, any Pack, any User Balance feature, any Wallet feature, any Sale Proceeds Request feature, any shipping feature, any buyback or cash-out feature, or any other service or functionality, with or without notice. You will have no claim against CrownCards for any such modification, suspension, limitation, discontinuation, or removal except where required by law.

3.4 Ownership

All intellectual property rights in the Platform, including names, logos, trademarks, designs, data, databases, text, graphics, images, audio, video, software, source code, object code, user interface elements, algorithms, and related content, are owned by CrownCards or its licensors. The provision of the Platform does not transfer to you any rights, title, or interest in such intellectual property. CrownCards retains all rights not expressly granted.

3.5 Third-Party Services

The Platform interoperates with third-party services not controlled by CrownCards, including Payment Agents, card networks, acquiring banks, banks, payout providers, identity-verification providers, fraud-prevention providers, analytics providers, shipping carriers, insurance providers, grading companies, authentication providers, suppliers, Inventory Partners, and tax providers. You must comply with applicable third-party terms. CrownCards is not responsible for the content, availability, accuracy, acts, omissions, delays, restrictions, or errors of third-party services and disclaims all warranties regarding them.

3.6 Bank Secrecy Act; Anti-Money Laundering; Sanctions

You represent and warrant that you will not use the Platform for money laundering, terrorist financing, sanctions evasion, fraud, illegal gambling, illegal payment activity, or other illicit financial activity. You represent and warrant that you are not on the Office of Foreign Assets Control's Specially Designated Nationals and Blocked Persons List or any other sanctions, watchlist, or restricted-party list. You agree to comply with CrownCards' anti-money laundering, sanctions, fraud-prevention, KYC, and risk policies.

4. User Content

4.1 User Data

"User Data" means information submitted, uploaded, transmitted, displayed, or otherwise provided by you through the Platform, excluding Payment Data handled by Payment Agents. CrownCards is not responsible for the accuracy, completeness, legality, reliability, quality, or other characteristics of User Data.

4.2 User Data Responsibilities

You are solely responsible for your User Data and for creating backup copies of any User Data you wish to preserve. CrownCards is not obligated to back up, preserve, or return User Data.

4.3 Right to Remove Data

CrownCards may remove, refuse, move, restrict, or block access to any content, including User Data, at any time, with or without cause or notice. CrownCards may establish general practices and limits concerning User Data. CrownCards will not be liable for removing or failing to remove any content.

4.4 License

You grant CrownCards an irrevocable, perpetual, non-exclusive, royalty-free, fully paid, worldwide, transferable, sublicensable license to use, reproduce, distribute, publicly display, publicly perform, modify, adapt, prepare derivative works of, incorporate into other works, analyze, process, and otherwise exploit your User Data in connection with the Platform, CrownCards' business, marketing, security, compliance, risk, analytics, machine learning, and product improvement. CrownCards may process User Data to create aggregated or de-identified data sets. This license continues after you stop using the Platform. You waive any claims and assertions of moral rights or attribution with respect to your User Data.

4.5 Feedback

All feedback, suggestions, ideas, improvements, comments, or recommendations you provide to CrownCards may be used by CrownCards without restriction, acknowledgment, or compensation. CrownCards will treat feedback as non-confidential and non-proprietary.

4.6 Other Users

Each user is solely responsible for their own User Data. CrownCards makes no guarantees about the accuracy, currency, suitability, legality, or quality of another user's data. CrownCards has no obligation to restrict or prohibit your interaction with other users and will not be responsible for loss or damage resulting from such interactions.

5. Item Purchases, Packs, Inventory, Fulfillment, and Sales

CrownCards offers direct Item purchases, Pack purchases and digital reveals, inventory tracking, storage, sourcing, and shipment requests. Where offered, users may also complete Sales with CrownCards or through CrownCards-approved sale programs. These provisions apply to all Item categories, subject to the applicable listing and any additional category terms under Section 5.13.

5.1 Direct Purchase of Items

Direct Item purchases are final unless expressly stated otherwise in this Agreement or required by law. Following purchase, an Item may appear in your Account and may be held by CrownCards or an Inventory Partner, or sourced under Section 5.13. Legal title passes only as provided in Section 5.3.

CrownCards may display an Estimated Market Value, Display Price, buyback price, cash-out offer, Sell Card or Sell Item price, or similar value for certain Items. Any such value is an estimate or limited-time offer only and may change at any time.

5.2 Pack Purchases

CrownCards may offer Packs representing one or more Items from any category offered on the Platform. For each Pack, CrownCards may disclose information such as the brand or producer, series, model, cost, number of Items, possible Items, categories, posted odds, value ranges, rarity ranges, grading or authentication details, or other information on the applicable product page or purchase flow.

A Pack purchase provides access to a digital opening and reveal experience and the contractual rights concerning the resulting Item or Items described in this Agreement. Completing a reveal or displaying an Item in your Account does not itself transfer legal title to the physical Item. Legal title passes only as provided in Section 5.3.

By purchasing a Pack, you acquire the contractual right to request shipment of the number of Items specified for that Pack, selected from its disclosed possible Items, subject to this Agreement. You are not purchasing a guaranteed particular Item, brand, model, card, grade, grading outcome, condition, size, rarity, athlete, character, set, series, Estimated Market Value, Display Price, buyback price, cash-out offer, resale value, future value, or profit, except to the extent expressly specified in the Pack description. Legal title passes as provided in Section 5.3.

Pack contents are determined according to the Pack information disclosed on the Platform before purchase. The selected Item or Items are identified when the Pack is opened or digitally revealed. You are responsible for reviewing all Pack information before purchase.

Statistics, odds, ranges, and disclosures related to any Pack may vary between Packs. Any disclosed ranges or odds are provided for the applicable Pack at the time shown. Distribution between ranges may not be equal unless expressly stated. CrownCards does not guarantee that the Estimated Market Value of any revealed Item will meet or exceed the price paid for the Pack.

Pack purchases are final, non-reversible, and non-refundable except as expressly stated in this Agreement or required by law. The total price of each Pack or Item is displayed before purchase and must be confirmed before any charge is processed. Prices are listed in U.S. dollars unless otherwise stated. Sales tax and other applicable charges are calculated and displayed at checkout where required by law.

5.3 Digital Reveal and Inventory

Once a Pack is opened or digitally revealed, the selected Item or Items will appear in your CrownCards inventory. An inventory entry records your contractual rights concerning an Item and does not itself establish legal title or physical possession. Available options may include:

For Pack and Item purchases made on or after this Agreement's effective date and governed by this version, legal title to a physical Item passes to you only when the applicable shipment requirements under Section 5.9 have been satisfied and the properly packaged Item is physically handed to and accepted by a common carrier for delivery to the address you provided. Payment, digital opening or reveal, allocation to your Account, storage, approval of a shipment request, and creation of a shipping label do not themselves transfer legal title. Items may be held or sourced as described in Sections 5.8 and 5.13. This paragraph does not divest you of legal title already acquired under an earlier agreement.

Except to the extent expressly specified in the applicable Pack description, CrownCards does not guarantee that any Pack will contain any particular Item or that any Item will have any particular Estimated Market Value, Display Price, buyback price, cash-out offer, resale value, or future value.

5.4 Estimated Market Value

CrownCards may determine Estimated Market Value using recent comparable sales, market data, third-party data, grading information, condition, rarity, liquidity, demand, population data, acquisition difficulty, replacement cost, market dynamics, time-to-sale averages, signatures, provenance, authenticity certainty, proprietary models, and other factors CrownCards considers relevant.

Estimated Market Value is not a guarantee. Estimated Market Value may differ from prices available on third-party sales channels, grading-company tools, pricing tools, or independent sales. CrownCards does not represent or warrant that any Item has, will maintain, or can be sold for any particular value. Item values may increase, decrease, become volatile, or become unavailable at any time.

5.5 Buyback and Cash-Out Offers

After an Item is digitally revealed or added to your inventory, CrownCards may, in its sole discretion, display a buyback offer, cash-out offer, Display Price, Sell Card or Sell Item price, or similar offer for that Item.

A buyback or cash-out offer proposes a separate Sale on the terms presented by CrownCards. Where legal title has not passed to you, the offered consideration is for surrendering your contractual rights to obtain the Item. It is not a refund, reversal, cancellation, prize, wager, gambling payout, redemption of your original purchase, guarantee of value, or right to recover the purchase price of a Pack or Item.

CrownCards is not required to make any buyback or cash-out offer, keep any offer open, or offer any particular price. Any offer may be changed, suspended, withdrawn, terminated, or made unavailable at any time before acceptance. A buyback or cash-out offer is available only on the terms displayed by CrownCards at the time of the offer.

5.6 Completion of Sale and Acceptance of Offer

By selecting "Sell Card," "Sell Item," "Accept Offer," "Cash Out," or an equivalent offer-acceptance control, you agree to complete the applicable Sale at the Display Price, subject to the fees, deductions, and other conditions stated in this Agreement.

Upon acceptance of the offer:

All accepted Sales are final and may not be reversed except at CrownCards' sole discretion or as required by law.

5.7 Display Price, Sale Fee, and Net Sale Proceeds

The Display Price is the price shown on the Platform for a buyback, cash-out offer, Sell Card or Sell Item transaction, or other Sale concerning an Item.

CrownCards may deduct a Sale Fee, processing fee, tax, chargeback reserve, fraud reserve, shipping fee, storage fee, adjustment, debt, amount owed to CrownCards, or other applicable amount from the Display Price.

Except as provided in this paragraph and Section 6.10, Sales result in Net Sale Proceeds. For Sales concerning Items obtained through a promotion or funded wholly or partly with Promotional credit, including Items obtained using credits that remain subject to promotional restrictions, CrownCards may specify consideration consisting of Net Sale Proceeds, Platform credit, Promotional credit, or a combination, as disclosed in the applicable promotion rules or Sale offer. For any portion payable as Net Sale Proceeds, the amount is the applicable Display Price or portion allocated to those proceeds, less the applicable Sale Fee, taxes, fees, reserves, adjustments, or amounts owed to CrownCards. Consideration issued as Platform credit or Promotional credit is not Net Sale Proceeds, except as released under Section 6.10, and is not itself eligible for a Sale Proceeds Request.

Net Sale Proceeds may be credited to your Wallet after CrownCards confirms the Sale, verifies your eligibility, confirms valid Payment Instructions where required, and completes any applicable fraud, chargeback, AML, sanctions, tax, account-security, payment-processor, or compliance review.

5.8 Inventory Holding, Storage, and Automatic Repurchase

Items may be held, stored, handled, and fulfilled by CrownCards or Inventory Partners, including at facilities CrownCards does not own or operate. References to Items held or stored by CrownCards include Items held on its behalf by Inventory Partners. Your Account inventory may also include Items to be sourced under Section 5.13. The holding provisions of this Section apply to all Inventory Entries. The applicable holding period runs from an Inventory Entry's addition to your Account or reveal, as applicable, unless the Platform states otherwise. During that period, you may exercise the available options for that Inventory Entry, including requesting shipment of eligible Items subject to Section 5.9.

CrownCards may retain any Inventory Entry in your Account for up to seven (7) days. CrownCards may specify a different holding period on the Platform. If an Inventory Entry remains after the applicable holding period, CrownCards may, in its sole discretion, extend that period, require you to exercise an available opening, redemption, shipment, or other option, or charge applicable storage or handling fees where permitted. For an Item, CrownCards may also complete an automatic repurchase at the same offer price provided at reveal, at a price determined based on Estimated Market Value, or at another price displayed by CrownCards. CrownCards may extend the period while verification, sourcing, or fulfillment is pending.

Treatment of an Inventory Entry that is not an Item, including any expiration, cancellation, or conversion to Platform credit, Promotional credit, or a combination, is governed by the applicable product or promotion terms and Section 6.14, subject to applicable law. Such treatment does not itself constitute a Sale or create Net Sale Proceeds.

An automatic repurchase of an Item under this Section constitutes a Sale and is not a refund of the original purchase. If legal title has not passed to you, it extinguishes your contractual rights to obtain the physical Item for the consideration determined under this Section. The form of consideration is governed by Sections 5.7 and 6.10. Any resulting credit, Net Sale Proceeds, or Sale Proceeds Request rights remain subject to CrownCards' then-current rules and requirements concerning User Balance, Wallet, Sale Proceeds Requests, verification, fraud prevention, AML review, sanctions screening, chargeback risk, tax, and payment-processor requirements, except where applicable law requires otherwise.

CrownCards may provide notice by push notification, text message, email, in-app notice, or another reasonable method before or after an automatic repurchase, but CrownCards is not required to provide notice unless required by law.

5.9 Shipment of Physical Items

You may request shipment of eligible physical Items displayed in your Account. Shipment is subject to completion of any required KYC Verification and account, payment, address, fraud, sanctions, and other compliance checks; availability or successful sourcing of the Item; an eligible delivery address; and payment of applicable shipping, tracking, insurance, handling, taxes, duties, and similar charges disclosed when you request shipment. CrownCards may delay, decline, or cancel a shipment request under this Agreement, including where these requirements are not satisfied or the Account is restricted, suspended, or terminated, subject to Sections 5.10 and 6.14 and applicable law.

CrownCards may offer shipping through USPS, FedEx, UPS, or other carriers, with available service tiers depending on Item value, destination, and carrier availability. Estimated delivery timelines and costs are displayed at the time of shipment request when available. Shipments are currently limited to eligible U.S. domestic addresses unless CrownCards expressly states otherwise.

Items will not ordinarily be shipped on Saturdays, Sundays, or holidays. CrownCards will attempt to ship as promptly as reasonably practicable after confirming your request, completing any required KYC Verification and other checks, and obtaining the Item where sourcing is required. Sourcing, authentication, supplier availability, and compliance checks may affect fulfillment timing. CrownCards may arrange for an Inventory Partner or supplier to prepare, package, and ship an Item directly to your designated address. Shipment timing and any required notices, consents, cancellations, or refunds remain subject to applicable law.

Insurance may be required for shipments exceeding $1,000 in value or another threshold determined by CrownCards. CrownCards may provide shipping and insurance options at cost or with disclosed fees. CrownCards is not liable for any package lost, delayed, damaged, misdelivered, or stolen in transit except to the extent required by law or expressly covered by purchased insurance.

You must notify CrownCards within ten (10) days of delivery of any shipping error, missing Item, incorrect Item, damaged package, or other shipment issue. If you do not notify CrownCards within that period, you agree that you have accepted the shipment received as fully satisfying the inventory transfer, except where applicable law requires otherwise.

5.10 Item Unavailability and Errors

If an Item held by CrownCards or an Inventory Partner is lost, stolen, damaged, destroyed, or cannot be located, or an Item cannot be sourced or otherwise fulfilled, CrownCards may, in its sole discretion and subject to Section 6.14 and applicable law, determine the form of compensation or other remedy, including issuing Account credit equal to the Estimated Market Value at the time of loss or determination of unavailability, with or without a discretionary adjustment; acquiring and shipping an equivalent replacement; cancelling the affected transaction and providing any applicable refund; or providing another remedy selected by CrownCards. CrownCards may, in its sole discretion, issue compensation as Platform credit, Promotional credit, or a combination, subject to Section 6.14 and applicable law. The credit type and any applicable usage, playthrough, or expiration conditions will be disclosed when the credit is issued and will be governed by Section 6.10. You bear the risk of changes in Estimated Market Value before, during, and after a shipment request, holding or storage period, Sale, or inventory review, except where applicable law provides otherwise.

If CrownCards determines that an Item, label, description, Pack composition, Item eligibility, selection probability or weighting, odds disclosure, Estimated Market Value, Display Price, or other Platform information or configuration is incorrect because of a human, technical, software, data, pricing, market-data, grading-data, supplier, or inventory error, CrownCards may correct the error, void or reverse the affected transaction, remove the Item's allocation from your Account, refund the original payment method, issue Platform credit, Promotional credit, or a combination, adjust User Balance or Wallet entries, or take other reasonable action, subject to Section 6.14 and applicable law. This Section applies to Items held by CrownCards, Items held by Inventory Partners, and Items to be sourced from suppliers.

5.11 Grading, Authentication, and Condition

Items may be graded or authenticated by third-party providers, or offered without professional grading or authentication, as described in the applicable listing. Trading cards not specified as graded, marked as raw, or offered without third-party graded cases are ungraded cards. Grading and authentication standards may differ by provider and Item category.

CrownCards strives to maintain raw or ungraded collectible inventory in reasonable condition, but does not guarantee any condition or grade not expressly stated in the applicable listing, any third-party grading or authentication outcome, or any future market value. Raw or ungraded collectibles are sold as-is, subject to expressly stated specifications and applicable law.

A Sale concerning a raw, ungraded, or unauthenticated Item is available only where CrownCards offers that transaction, subject to Sections 5.3 and 5.5–5.7.

5.12 Redeeming Platform Credit Is Separate From a Sale

Using or redeeming Platform credit for Packs, Items, shipping, insurance, taxes, fees, or other Platform transactions is separate from completing a Sale. Redeeming Platform credit does not itself surrender your rights concerning an Item or create any right to a Sale Proceeds Request or cash payout.

A Sale requires a separately offered and accepted buyback, cash-out, Sell Card or Sell Item transaction, or other authorized transaction, or an automatic repurchase under Section 5.8. Its treatment depends on whether legal title has passed, as described in the definition of Sale and Section 5.6.

5.13 Item Availability and Sourcing

Items may be held in CrownCards' or an Inventory Partner's inventory or sourced from third-party suppliers after you request shipment. CrownCards will attempt to fulfill eligible shipment requests under Section 5.9, but Items may be unavailable or unable to be sourced. An Item's display in your Account does not guarantee immediate availability for shipment. Unavailability and fulfillment errors are addressed under Sections 5.10 and 6.14. Legal title passes only as provided in Section 5.3.

Unless the applicable listing expressly offers the exact physical Item pictured, Item images are representative. The Item supplied may bear a different serial number, PSA certification number, or other grading or authentication identifier from the image. A particular serial number, first- or last-numbered copy, or other number-specific attribute is not guaranteed solely because it appears in a representative image. The supplied Item must match the applicable listed specifications, including any stated card identity, set, edition or variant, language, numbered print run, grading company and grade. Any exact identifier or number-specific attribute expressly promised in the listing remains part of those specifications. Errors and unavailability are addressed under Section 5.10.

CrownCards may introduce additional Item categories from time to time. Unless expressly stated otherwise, this Agreement applies to those categories. Additional category or product terms may apply when disclosed before the applicable purchase; those specific terms control to the extent of a conflict concerning that category or product, subject to applicable law. A category's inclusion in this Agreement does not itself make it available in every location.

6. Fees, User Balance, Platform Credit, Wallet, and Requesting Sale Proceeds

6.1 Fees

CrownCards makes commercially reasonable efforts to display applicable fees in connection with use of the Platform, including Platform fees, Sale Fees, payment-processing fees, shipping fees, insurance fees, storage fees, Sale Proceeds Request fees, tax charges, and other fees. You may incur third-party fees for payment processing, Sale Proceeds Requests, expedited payouts, shipping, insurance, chargebacks, or other services.

CrownCards' fees and payment policies may change at any time in CrownCards' sole discretion. Applicable fees will be shown at checkout, shipment request, Sale acceptance, Sale Proceeds Request, or another relevant point in the Platform flow where reasonably practicable.

6.2 User Balance

Your Account may display a User Balance. User Balance means the Platform credit, Promotional credit, Wallet balance, and other account ledger entries reflected in your CrownCards Account that may be used for eligible transactions on the Platform, subject to this Agreement.

User Balance is the general Account ledger shown in the Platform. It may display Platform credit purchased by you, Platform credit issued by CrownCards, Promotional credit, Wallet balance, and other Account entries separately or together in the Platform interface. Not all User Balance amounts are eligible for a Sale Proceeds Request.

For clarity, User Balance Funding purchases Platform credit only. User Balance Funding does not add money to your Wallet. The Wallet is separate from purchased Platform credit and may be credited only with Net Sale Proceeds from a completed Sale concerning an Item or other CrownCards-approved sale program.

6.3 User Balance Funding; Purchase of Platform Credit

You may engage in User Balance Funding by purchasing CrownCards Platform credit. Platform credit is limited-use, in-platform store credit issued by CrownCards and accepted only by CrownCards for eligible purchases and transactions on the Platform, including Packs, Items, shipping, insurance, taxes, fees, and other CrownCards products or services. User Balance Funding is the purchase of Platform credit; it is not a deposit into the Wallet and does not create Wallet funds.

Platform credit is intended for use on the CrownCards Platform. Platform credit is not cash, is not a bank deposit, is not a savings account, is not a demand deposit account, is not a general-purpose stored-value product, is not money transmission, is not e-money, is not a prepaid card, and is not a general-purpose payment account.

Platform credit does not earn interest, is not insured by the FDIC or any other governmental agency, is not held in a bank account for you, and may not be transferred to another user, sold, assigned, pledged, used with third-party merchants, or used outside the Platform.

Funds used for User Balance Funding and Platform credit purchases are final, non-reversible, and non-refundable except as expressly stated in this Agreement or required by law. You may use only a Payment Mechanism that you own or are authorized to use. CrownCards may reject, reverse, cancel, or restrict User Balance Funding in its sole discretion.

6.4 Closed-Loop Platform

CrownCards is a closed-loop collectibles platform. User Balance, Platform credit, Promotional credit, and Wallet features are intended only to facilitate transactions on the CrownCards Platform and, only where expressly available, Sale Proceeds Requests for eligible Net Sale Proceeds derived from a completed Sale concerning an Item.

User Balance and Platform credit may be used only for CrownCards products, CrownCards services, shipping, insurance, taxes, fees, and other eligible Platform transactions. User Balance, Platform credit, Promotional credit, Wallet funds, and Net Sale Proceeds may not be used for peer-to-peer transfers, user-to-user money transfers, remittances, currency exchange, check cashing, third-party merchant payments, or any purpose outside the CrownCards Platform except for Sale Proceeds Requests for eligible Net Sale Proceeds as expressly described in this Agreement. The Sale Proceeds Request feature applies only to eligible Net Sale Proceeds in the Wallet and does not make purchased Platform credit or Promotional credit eligible for a Sale Proceeds Request.

Your CrownCards Account is not a bank account, savings account, demand deposit account, brokerage account, general-purpose wallet, or general-purpose money transmission service.

6.4.1 Wallet Is Not User-Funded

The Wallet is not used for User Balance Funding and is not a place where users deposit, load, top up, purchase, transfer, or add money or Platform credit. The Wallet is a ledger for Net Sale Proceeds from completed Sales concerning Items and any other proceeds from CrownCards-approved sale programs. Purchased Platform credit and Promotional credit are closed-loop Platform value and are not Wallet funds.

6.4.2 No Peer-to-Peer or Third-Party Sale Activity

CrownCards does not provide peer-to-peer transfers, user-to-user money transfers, remittances, currency exchange, check cashing, third-party merchant payments, or user-to-user sale payments. Unless CrownCards expressly adopts separate written terms for a separate feature, all buyback offers, cash-out offers, Sales, Wallet credits, and Net Sale Proceeds described in this Agreement arise from transactions with CrownCards or a CrownCards affiliate. They may involve contractual rights under Section 5.3 and do not involve a sale to another user.

6.5 Buyback, Cash-Out, and Inventory Credits

Once an Item has been digitally revealed or added to your inventory, your available options are limited to the options CrownCards makes available, which may include requesting shipment of the physical Item or accepting CrownCards' buyback or cash-out offer, if offered.

Consideration credited for a buyback, cash-out, or automatic repurchase under Section 5.8 arises from a separate Sale and is not itself a refund of the original purchase. Credits issued to implement a refund or error correction are governed by Sections 5.10 and 6.14.

The form of consideration for a Sale is governed by Sections 5.7 and 6.10. Any resulting credit, Net Sale Proceeds, or Sale Proceeds Request rights will be subject to CrownCards' then-current rules and requirements concerning User Balance, Wallet, Sale Proceeds Requests and related cash payouts, verification, fraud prevention, AML review, sanctions screening, chargeback risk, payment-processor requirements, and taxes, except where applicable law requires otherwise.

6.6 Wallet; Net Sale Proceeds

Your Account may include a ledger feature called a Wallet. Your Wallet records U.S. dollar-denominated Net Sale Proceeds derived from the Sale concerning Items to CrownCards or, where expressly made available, through CrownCards-approved sale programs. The Wallet is separate from User Balance Funding and purchased Platform credit.

Your Wallet balance may be used to purchase CrownCards products or, where CrownCards makes the feature available, to submit a Sale Proceeds Request to a supported payout method.

The Wallet is a closed-loop feature intended only to facilitate transactions on the CrownCards Platform and Sale Proceeds Requests for eligible Net Sale Proceeds as described in this Agreement. The Wallet is not a bank account, savings account, demand deposit account, brokerage account, or general-purpose money transmission service. Funds held in your Wallet are not insured, and you will not receive interest or other earnings on Wallet funds.

Your Wallet may be credited only with Net Sale Proceeds from the Sale concerning an Item or with proceeds from other CrownCards-approved sale programs. You may not deposit, load, top up, purchase, fund, transfer, or add money, Platform credit, Promotional credit, or other non-sale value into the Wallet. Wallet funds may only be used to purchase CrownCards products or to be paid out through a Sale Proceeds Request as described in this Agreement. Wallet funds may not be used for peer-to-peer transfers, third-party merchant payments, remittances, currency exchange, check cashing, or any other purpose. A Sale settled in Platform credit or Promotional credit does not credit the Wallet for that portion of the consideration.

For clarity, Platform credit purchased through User Balance Funding is not the same as Net Sale Proceeds credited to your Wallet. Purchased Platform credit is not directly eligible for payout or transfer into the Wallet. Eligible Net Sale Proceeds may arise only after that credit is used for a Pack or Item purchase and a separate Sale concerning the resulting Item is completed, including a Sale involving contractual rights under Section 5.3.

To the extent Wallet funds are maintained by a Payment Agent, you agree and understand that such funds may be maintained in pooled custodial accounts held by third-party payment processors or other service providers. CrownCards does not take custody of or title to your Wallet funds except as expressly stated in connection with fees, reserves, chargebacks, adjustments, reversals, forfeitures, or other amounts owed to CrownCards.

6.7 Review Hold; Up to Seven Business Day Sale Proceeds Delay

Net Sale Proceeds credited or expected to be credited to your Wallet are subject to a review hold before any Sale Proceeds Request may be submitted, approved, transmitted to a Payment Agent, or processed.

Unless CrownCards states otherwise on the Platform, Net Sale Proceeds are subject to a minimum twenty-four-hour (24-hour) review hold and may be subject to a standard forty-eight-hour (48-hour) review hold.

In addition to the 24-hour or 48-hour review hold, CrownCards may impose a routine sale-proceeds payout delay of up to seven (7) Business Days after the Settlement Date before making Net Sale Proceeds available for a Sale Proceeds Request or before transmitting an approved Sale Proceeds Request to a Payment Agent. This delay may be applied as a standard fraud, risk, inventory, chargeback, market-data, or payment review period and does not mean that CrownCards has determined that you engaged in prohibited conduct.

CrownCards may extend the review hold or sale-proceeds payout delay beyond seven (7) Business Days for any reason CrownCards determines is appropriate, including fraud review, chargeback risk, payment-processor review, KYC Verification, AML review, sanctions screening, tax review, account-security review, source-of-funds review, suspected misuse, technical issues, inventory verification, market-data review, Payment Agent review, bank delay, legal process, regulatory inquiry, or other compliance review.

No Wallet funds, Net Sale Proceeds, Platform credit, User Balance amount, Sale Proceeds Request, or related cash payout is guaranteed to be available, approved, transmitted, or processed at any particular time.

6.8 Requesting Sale Proceeds; Payment Agents

To submit a Sale Proceeds Request for eligible Net Sale Proceeds from your Wallet, you must connect or provide a valid supported payout account and provide any information required by CrownCards or CrownCards' Payment Agents to verify your identity and process the transaction.

Required information may include your legal name, date of birth, physical address, taxpayer identification number, Social Security Number, Individual Taxpayer Identification Number, government identification, liveness verification, bank account information, debit card information, supported payout account information, or other information.

All Sale Proceeds Requests are subject to CrownCards' then-current rules and requirements concerning User Balance, Wallet, verification, AML review, fraud prevention, sanctions screening, chargebacks, tax reporting, payment-processor requirements, payout limits, reserve periods, account-age requirements, review holds, sale-proceeds payout delays, and supported payout methods.

CrownCards may impose minimum payout amounts, maximum payout amounts, velocity limits, reserve periods, chargeback reserves, tax documentation requirements, Payment Agent requirements, account-age requirements, KYC requirements, and other conditions. CrownCards may delay, limit, deny, reverse, cancel, suspend, or condition any Sale Proceeds Request in its sole discretion.

All cash payouts of eligible Net Sale Proceeds are processed by a Payment Agent. You agree to comply with the applicable Payment Agent terms and conditions when connecting your account or submitting a Sale Proceeds Request. CrownCards is not responsible for delays, holds, payout failures, account restrictions, reversals, rejected transfers, or other issues attributable to a Payment Agent, your bank, your financial institution, your payment account, incorrect payout information, or your failure to complete verification.

If you do not set up and maintain a valid supported payout account, you may not be able to submit a Sale Proceeds Request or receive a cash payout of eligible Net Sale Proceeds in your Wallet, and such proceeds may be subject to escheatment or other handling in accordance with applicable law and this Agreement.

6.9 Purchased Platform Credit Is Not a Sale Proceeds Request Right

Purchasing Platform credit does not create any right to submit a Sale Proceeds Request or receive a cash payout. Platform credit purchased through User Balance Funding may be used only for eligible Platform transactions. Purchased Platform credit is not itself eligible for cash payout, cashable, transferable, redeemable for money, or eligible to be deposited, loaded, transferred, or converted into the Wallet, except where required by applicable law.

If Platform credit is used to purchase a Pack or Item, any subsequent Sale concerning the resulting Item, including a Sale involving contractual rights under Section 5.3, is a separate transaction. Any Net Sale Proceeds from that separate Sale may be credited to your Wallet and may be eligible for a Sale Proceeds Request only under this Agreement and CrownCards' then-current rules.

6.10 Promotional Credit

CrownCards may issue Promotional credit, including bonus cash, with or without playthrough or other usage requirements and with or without an expiration date.

The applicable promotion rules, Sale offer, or credit issuance terms may specify eligibility, permitted uses, playthrough requirements, qualifying transactions and contribution rates, balance-use order, treatment of purchases funded from more than one balance, expiration, and the treatment of resulting Items, credits, and Sale consideration. Applicable rules and restrictions are disclosed with the relevant promotion, Sale offer, or issuance of Promotional credit. Promotional restrictions may continue to apply to Items and credits resulting from use or Sale of promotional value, as specified in those rules.

Promotional credit may be used only for eligible Platform purchases. Promotional credit has no cash value and is not directly eligible for a Sale Proceeds Request or transfer into the Wallet, and may not be transferred, sold, assigned, redeemed for money, or used outside the Platform, except where required by law. Sale consideration involving promotional value is governed by Section 5.7 and the applicable promotion rules. Completing a playthrough or usage requirement does not convert Promotional credit or Platform credit into Wallet funds or Net Sale Proceeds, except that Bonus Cash credited from Sales is released to the Wallet as Net Sale Proceeds when the related requirement is completed, as provided in the applicable promotion rules. Eligibility of proceeds from completed Sales is otherwise determined under the applicable promotion rules and this Agreement. CrownCards may limit, expire, revoke, adjust, or forfeit Promotional credit in accordance with this Agreement or the applicable promotion rules, Sale offer, or credit issuance terms.

If you submit or receive payment from a Sale Proceeds Request, CrownCards may forfeit or adjust unused Promotional credit to the extent disclosed in the applicable promotion rules or permitted by law.

6.11 Stored Payment Terms

By manually entering and authorizing storage of Payment Data, you confirm that you own or are authorized to use the associated Payment Mechanism and authorize CrownCards and its Payment Agents to store and use the Payment Mechanism upon your approval for future user-initiated transactions. All stored Payment Data will be stored by CrownCards or its Payment Agents in accordance with applicable requirements and may be removed where supported.

CrownCards will not initiate scheduled transactions without your consent. All purchases, User Balance Funding, shipment requests, Sale Proceeds Requests, and other transactions must be user-initiated or otherwise authorized under this Agreement.

6.12 Transaction Receipts

You should retain copies of transaction confirmations, receipts, policies, this Agreement, and the Privacy Policy. When you make a purchase or conduct a transaction, CrownCards may provide an on-screen confirmation, email confirmation, transaction history entry, or other notice.

6.13 Taxes

You are solely responsible for reporting and paying any taxes arising from your purchases, User Balance Funding, Pack purchases, Item purchases, storage, shipments, Sales, Net Sale Proceeds, Wallet activity, Sale Proceeds Requests, Promotional credit, or other Platform activity.

CrownCards may request tax information, withhold taxes, issue tax forms, report proceeds, restrict Wallet activity, delay Sale Proceeds Requests, or withhold amounts where required by law or by CrownCards' Payment Agents. Sale Proceeds Requests or Net Sale Proceeds exceeding applicable reporting thresholds may require completion of tax forms before processing.

Where CrownCards is required by law to withhold tax from any amount due to you, you authorize CrownCards to withhold such amounts from Net Sale Proceeds, Wallet funds, User Balance, or other amounts. If CrownCards pays taxes, duties, VAT, or other amounts on your behalf, you agree to reimburse CrownCards, and CrownCards may offset such amounts against Net Sale Proceeds, Wallet funds, User Balance, Items, or other property in its possession to the extent permitted by law.

6.14 Refund Policy

This Section governs User Balance Funding, Platform credit purchases, Pack purchases, Item purchases, buyback and cash-out transactions, automatic inventory repurchases, shipping and redemption charges, Wallet transactions, Sale Proceeds Requests, and other payments made through the Platform.

Except as expressly stated in this Agreement or required by applicable law, all such transactions are final, non-reversible, and non-refundable.

6.14.1 User Balance Funding

Platform credit purchased through User Balance Funding is intended for use on the Platform and, once credited to your Account, may be subject to CrownCards' then-current rules and requirements concerning User Balance, Platform credit, Sale Proceeds Requests for eligible Net Sale Proceeds, verification, fraud prevention, AML review, chargebacks, and account security. User Balance Funding does not deposit funds into the Wallet.

CrownCards may issue a refund, reversal, or account adjustment with respect to User Balance Funding only in the limited circumstances described in Section 6.14.5 or as otherwise required by applicable law.

If funds added to your User Balance have already been used for purchases, shipments, redemptions, Sales, cash-out transactions, or other transactions before a refund request is resolved, CrownCards may deny the request in whole or in part and instead address the affected downstream transaction separately, if appropriate.

6.14.2 Pack Purchases

Because Pack contents are randomized and applicable Pack information is disclosed before purchase, you acquire the contractual right to request shipment of the number of Items specified for that Pack, selected from its disclosed possible Items, subject to Sections 5.2, 5.3, and 5.13. Except as expressly specified in the Pack description, you are not purchasing a guaranteed particular Item, category outcome, grade, condition, rarity, Estimated Market Value, Display Price, buyback price, cash-out offer, resale value, future value, or profit.

Once a Pack has been purchased, that transaction is final, non-reversible, and non-refundable except as provided in Section 6.14.5 or required by applicable law.

6.14.3 Buyback, Cash-Out, and Inventory Credits

Once an Item has been digitally revealed or added to your Account, your available options are those made available under Sections 5.3 and 5.8. Buybacks, cash-outs, and automatic repurchases are Sales as defined in this Agreement, including exchanges of contractual rights where legal title has not passed to you.

Consideration credited for a buyback, cash-out, or automatic repurchase under Section 5.8 arises from a separate Sale and is not itself a refund of the original purchase. Credits issued to implement a refund or error correction are governed by Sections 5.10 and 6.14.

Any such offer is available only on the terms presented by CrownCards at the time of the offer. The form of consideration is governed by Sections 5.7 and 6.10. Any resulting credit, Net Sale Proceeds, or Sale Proceeds Request rights will be subject to CrownCards' then-current rules and requirements concerning User Balance, Wallet, Sale Proceeds Requests, verification, fraud prevention, AML review, sanctions screening, chargeback risk, payment-processor requirements, and taxes, except where applicable law requires otherwise.

6.14.4 Shipping and Redemption Charges

Shipping, redemption, insurance, handling, taxes, duties, and similar fees disclosed when you request shipment or redemption are separate charges from the underlying Pack purchase or Item purchase. Such charges are generally non-refundable once the applicable shipment or redemption request has been submitted or processing has begun, except as provided in Section 6.14.5, where CrownCards cancels or is unable to fulfill the applicable shipment or redemption, or where required by law.

6.14.5 Limited Refund Circumstances

CrownCards may issue a refund, reversal, or account credit, in whole or in part, only in limited circumstances, including:

Any refund may be issued to the original Payment Mechanism, as Platform credit, Promotional credit, or a combination, or as another account adjustment, in CrownCards' sole discretion, unless applicable law requires a different method. Any Promotional credit issued under this Section is subject to the disclosures and conditions in Section 6.10. A Wallet adjustment may restore or correct eligible Net Sale Proceeds but does not make purchased Platform credit, Promotional credit, or other non-sale value eligible for a Sale Proceeds Request.

6.14.6 Refund Exclusions

Refunds will not be issued for:

6.14.7 Refund Review Procedure

To request review of a potential refund, you must contact support@crowncards.io promptly after discovering the issue and, in any event, no later than thirty (30) days after the applicable transaction, except that shipment issues following delivery are subject to the notice period in Section 5.9, and issues involving non-delivery or later-discovered unavailability must be reported promptly after discovery. Any longer period required by applicable law applies. You may be required to provide your username, email address associated with your Account, transaction date, amount charged, Payment Mechanism used, transaction ID, screenshots, shipment information, and any other information CrownCards reasonably requests. CrownCards may deny any request if sufficient information is not provided.

6.15 Inactive Accounts and Unclaimed Property

CrownCards may close your Account after sixty (60) consecutive days without activity, with notice only where required by applicable law. Closure under this Section alone does not forfeit any remaining balance, which remains subject to this Agreement and applicable law.

After twenty-four (24) consecutive months without activity, CrownCards may deduct a maintenance fee of US$1.00 per month from your User Balance, only to the extent permitted by applicable law and following any required disclosures, notices, or consent. No fee will be assessed against a zero balance or exceed the remaining balance legally available for the fee. Fees will not be charged for periods before this provision becomes effective for your Account.

For the closure and maintenance-fee provisions above, activity includes logging in, making a purchase, requesting shipment, submitting a Sale Proceeds Request, or contacting CrownCards about your Account. Such activity ends the applicable period of inactivity. CrownCards-generated entries or fee deductions do not constitute activity for this purpose.

You are responsible for keeping your contact and payout information current. When funds or other property become abandoned under applicable law, CrownCards will report and remit them to the appropriate government authority, following any required notices. Statutory abandonment periods and qualifying activity are determined by applicable law. Promotional credit remains subject to Section 6.10.

7. Anti-Money Laundering

Any use of the Platform for money laundering, terrorist financing, sanctions evasion, fraud, illegal payment activity, or any other illicit financial activity is strictly prohibited. This includes any attempt to use the Platform to transfer funds through fraudulent transactions, manipulate User Balance, convert Platform credit improperly, exploit Sale Proceeds Request features, evade KYC Verification, or conduct transactions for another person.

Upon determining or suspecting that a user has engaged in prohibited activity, CrownCards may: (a) suspend or terminate the Account; (b) temporarily or permanently ban the user from the Platform; (c) delay, deny, cancel, reverse, or condition any purchase, shipment, Sale, buyback, cash-out offer, Wallet credit, or Sale Proceeds Request; (d) pursue further action, including legal proceedings; (e) report activity to law enforcement, regulators, Payment Agents, banks, or card networks; and (f) freeze, adjust, offset, or forfeit User Balance, Platform credit, Promotional credit, Wallet funds, Net Sale Proceeds, and inventory to the extent permitted by law.

8. Cheating Policy

8.1 Prohibited Conduct

The following is a non-exhaustive list of prohibited conduct:

8.2 Consequences

Upon determining or suspecting that a user has engaged in prohibited conduct, CrownCards may: (a) suspend or terminate the Account; (b) temporarily or permanently ban the user from the Platform; (c) void or reverse purchases, Pack reveals, buybacks, cash-out offers, Sales, shipments, Wallet credits, Net Sale Proceeds, or Sale Proceeds Requests; (d) pursue further action, including legal proceedings; and (e) freeze, adjust, offset, or forfeit User Balance, Platform credit, Promotional credit, Wallet funds, Net Sale Proceeds, and inventory to the extent permitted by law.

9. Indemnity

You agree to indemnify, defend, and hold CrownCards and its affiliates, and its and their directors, officers, members, owners, employees, agents, representatives, contractors, successors, assigns, Payment Agents, and service providers harmless from any and all losses, damages, liabilities, claims, actions, judgments, awards, penalties, fines, costs, and expenses, including reasonable attorneys' fees, arising from or relating to any claim or demand due to or arising out of: (a) your use or misuse of the Platform; (b) your User Data; (c) your violation of this Agreement; (d) your violation of applicable laws or regulations; (e) your breach of any representation, warranty, or covenant; (f) your Payment Mechanism, Payment Instructions, Account, User Balance, Wallet, Platform credit, Promotional credit, Net Sale Proceeds, purchases, Sales, Sale Proceeds Requests, or shipments; or (g) your negligence, willful misconduct, fraud, or prohibited conduct.

CrownCards may assume exclusive defense and control of any matter subject to indemnification at your expense, and you must cooperate with CrownCards. You may not settle any claim without CrownCards' prior written consent. CrownCards will make reasonable efforts to notify you of claims.

10. Disclaimers

YOU EXPRESSLY AGREE THAT ACCESS TO AND USE OF THE PLATFORM IS AT YOUR SOLE RISK. THE PLATFORM, PRODUCTS, SERVICES, PACKS, ITEMS, USER BALANCE, PLATFORM CREDIT, WALLET, BUYBACK FEATURES, CASH-OUT FEATURES, SHIPPING FEATURES, CASH PAYOUT FEATURES, CONTENT, DATA, VALUES, ESTIMATES, ODDS, AND THIRD-PARTY SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

EXCEPT FOR ANY SPECIFIC WARRANTIES EXPRESSLY PROVIDED IN THIS AGREEMENT, CROWNCARDS MAKES NO AND HEREBY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE PLATFORM, PRODUCTS, SERVICES, PACKS, ITEMS, USER ACTS OR OMISSIONS, THIRD-PARTY SERVICES, ESTIMATED MARKET VALUE, DISPLAY PRICE, NET SALE PROCEEDS, USER BALANCE, PLATFORM CREDIT, WALLET, CASH PAYOUTS, SHIPPING, AND PAYMENT PROCESSING, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

CROWNCARDS MAKES NO REPRESENTATION OR WARRANTY THAT: (a) MATERIALS ON THE PLATFORM ARE ACCURATE, COMPLETE, APPROPRIATE, RELIABLE, OR TIMELY; (b) THE PLATFORM WILL MEET YOUR REQUIREMENTS; (c) ACCESS WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (d) THE PLATFORM WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (e) ANY PACK WILL CONTAIN A PARTICULAR ITEM OR VALUE EXCEPT TO THE EXTENT EXPRESSLY SPECIFIED IN THE APPLICABLE PACK DESCRIPTION; (f) ANY ITEM WILL HAVE OR MAINTAIN ANY PARTICULAR ESTIMATED MARKET VALUE, DISPLAY PRICE, BUYBACK PRICE, CASH-OUT OFFER, RESALE VALUE, OR FUTURE VALUE; (g) ANY ITEM CAN BE SOLD, SHIPPED, OR CASHED OUT AT ANY PARTICULAR TIME OR PRICE; (h) ANY GRADING COMPANY WILL MAKE ANY PARTICULAR GRADING DETERMINATION; OR (i) ANY CASH PAYOUT WILL BE AVAILABLE, APPROVED, OR PROCESSED WITHIN ANY PARTICULAR TIME.

Collectible values may change over time and may be volatile. Estimated Market Value is determined by CrownCards using data and factors CrownCards considers relevant and may differ from prices you could obtain independently. You expressly accept the risk that the value of an Item may change between the time it is displayed, purchased, revealed, stored, shipped, sold, or cashed out.

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions and only to the extent disallowed, this disclaimer will not apply.

11. Limitation of Liability and Release

11.1 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CROWNCARDS AND ITS AFFILIATES, SUPPLIERS, PAYMENT AGENTS, SERVICE PROVIDERS, AND ITS AND THEIR DIRECTORS, OFFICERS, MEMBERS, OWNERS, EMPLOYEES, AGENTS, REPRESENTATIVES, CONTRACTORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR IN CONNECTION WITH THE PLATFORM, PRODUCTS, SERVICES, PACKS, ITEMS, USER ACTS, THIRD-PARTY SERVICES, THIRD-PARTY TRANSACTIONS, USER BALANCE, PLATFORM CREDIT, PROMOTIONAL CREDIT, WALLET, NET SALE PROCEEDS, BUYBACK OFFERS, CASH-OUT OFFERS, CASH PAYOUTS, SHIPMENTS, VALUES, ODDS, OR ESTIMATES, EVEN IF CROWNCARDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CROWNCARDS AND ITS AFFILIATES, SUPPLIERS, PAYMENT AGENTS, AND SERVICE PROVIDERS TO YOU EXCEED THE GREATER OF (A) THE AMOUNT OF FEES PAID OR PAYABLE TO CROWNCARDS BY YOU UNDER THIS AGREEMENT DURING THE SIX (6) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

For any claim arising solely from a Sale concerning a particular Item to CrownCards, CrownCards' maximum aggregate liability will not exceed the lesser of (a) the aggregate liability limit stated above and (b) the total consideration paid or payable for that Sale after applicable fees and deductions, whether provided as Net Sale Proceeds, Platform credit, Promotional credit, or a combination, to the fullest extent permitted by law. Solely for calculating this limit, credit consideration is counted at the U.S. dollar amount stated for that credit in the applicable Sale offer or automatic-repurchase terms. This calculation does not give Platform credit or Promotional credit cash value or make it eligible for a Sale Proceeds Request.

Nothing in this Agreement excludes or limits liability to the extent it cannot be excluded or limited under applicable law.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you.

11.2 Waiver of Claims

EACH TIME YOU ACCESS THE PLATFORM, YOU EXPRESSLY RELEASE ANY AND ALL CLAIMS YOU HAVE AGAINST CROWNCARDS TO THE MAXIMUM EXTENT PERMITTED BY LAW. THIS RELEASE INCLUDES, TO THE EXTENT APPLICABLE, ANY RIGHTS UNDER CALIFORNIA CIVIL CODE SECTION 1542 OR SIMILAR LAWS, WHICH PROVIDES THAT A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST AT THE TIME OF EXECUTING THE RELEASE.

You understand and accept that CrownCards is unable to provide legal advice or assurances about the legality of your use of the Platform in any jurisdiction. It is your sole responsibility to ensure that you are legally allowed to access and use the Platform. To the maximum extent permitted by law, you waive any right to bring a claim under any gambling loss recovery statute or similar law, or otherwise challenge the legality of the Platform or services based on your voluntary use of the Platform.

12. Term and Termination

This Agreement remains in effect until terminated. CrownCards may suspend your rights to use the Platform, suspend or terminate your Account, ban you from the Platform, restrict User Balance activity, restrict Wallet activity, restrict Sale Proceeds Requests, restrict shipments, remove Items, delete User Data, cancel transactions, or terminate this Agreement at any time and for any reason, at CrownCards' sole discretion, subject to applicable law.

Upon termination, your Account access ends immediately. CrownCards may delete some or all of your User Data. CrownCards will not have liability to you for termination, suspension, restriction, deletion, cancellation, or loss of access except where required by law.

Termination does not relieve you of obligations incurred before termination, including payment obligations, chargeback obligations, tax obligations, indemnification obligations, and obligations relating to Sales, Sale Proceeds Requests, Payment Instructions, Account activity, or prohibited conduct.

13. Copyright Policy

CrownCards respects intellectual property and implements a copyright infringement removal policy. To report infringement, send written notification to legal@crowncards.io including: (a) a physical or electronic signature; (b) a description of the copyrighted work; (c) a description of the allegedly infringing material; (d) sufficient location information; (e) your contact information; (f) a good-faith belief statement that use is unauthorized; and (g) an accuracy statement under penalty of perjury regarding ownership or authorization.

Any misrepresentation of material fact in a written notification may subject the complaining party to liability for damages, costs, and attorneys' fees.

14. Choice of Law, Arbitration Agreement, Jury Trial Waiver, Class Action Waiver, and Forum Selection

14.1 Choice of Law

Except to the extent applicable law requires otherwise, this Agreement is governed by the laws of the State of Wyoming, without regard to conflict-of-law provisions. The arbitration provisions in this Section are governed by the Federal Arbitration Act.

14.2 Pre-Arbitration Dispute Resolution

Most concerns can be resolved by emailing support@crowncards.io. Before initiating arbitration or any formal proceeding, the party initiating a claim must provide written notice of the dispute and engage in good-faith informal dispute resolution.

A notice of dispute must include: (a) your username and email address associated with your Account; (b) your first and last name; (c) your residence address; (d) your telephone number; (e) a detailed explanation of the complaint or claim; (f) dates, times, transaction IDs, or other relevant details; and (g) the remedy, action, or amount you seek.

The parties will use good-faith efforts to resolve the dispute informally for at least thirty (30) days after receipt of the notice, unless the parties agree otherwise. This informal dispute resolution process is a condition precedent to arbitration or litigation to the extent permitted by law.

14.3 Arbitration Agreement

Except as identified in Section 14.4, disputes between you and CrownCards arising from or relating to the Platform, this Agreement, your Account, User Balance, Platform credit, Promotional credit, Wallet, Packs, Items, purchases, Sales, buyback offers, cash-out offers, Net Sale Proceeds, Sale Proceeds Requests, shipments, Payment Mechanisms, Payment Instructions, or any transaction or relationship between you and CrownCards shall be exclusively settled through binding arbitration pursuant to the then-current applicable rules of the American Arbitration Association or another arbitration provider selected by CrownCards if the American Arbitration Association is unavailable or unwilling to administer the dispute.

THERE IS NO JUDGE OR JURY IN ARBITRATION. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND COURT REVIEW IS LIMITED. YOU AND CROWNCARDS AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, PRIVATE ATTORNEY GENERAL, QUI TAM, OR REPRESENTATIVE ACTION.

The arbitrator shall have exclusive authority to decide all issues relating to the scope, validity, enforceability, interpretation, and arbitrability of this arbitration agreement and any dispute.

14.4 Small Claims

Either party may pursue an individual claim in an appropriate small claims court in Wyoming or another jurisdiction required by applicable law if the claim satisfies that court's jurisdictional requirements, including its applicable monetary limit, and remains in that court.

14.5 Confidentiality

All aspects of the arbitration proceeding, including pleadings, discovery, hearings, rulings, decisions, and awards, will be confidential to the fullest extent permitted by law.

14.6 Future Changes to Arbitration Agreement

If CrownCards makes any future material change to this Section 14 while you are a user of the Platform, you may reject that change by ceasing all use of the Platform and sending written notice to legal@crowncards.io within thirty (30) calendar days after the change becomes effective. By rejecting changes, you agree to arbitrate under the prior arbitration provision to which you agreed, to the extent enforceable.

14.7 Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER YOU NOR CROWNCARDS MAY ARBITRATE OR LITIGATE ANY DISPUTE IN A REPRESENTATIVE CAPACITY. YOU MAY BRING CLAIMS ONLY ON YOUR OWN BEHALF AND ONLY FOR YOUR OWN LOSSES. YOU MAY NOT PROCEED AS A CLASS REPRESENTATIVE, CLASS MEMBER, COLLECTIVE ACTION MEMBER, PRIVATE ATTORNEY GENERAL, QUI TAM RELATOR, OR IN ANY OTHER REPRESENTATIVE CAPACITY.

14.8 Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THE PLATFORM, THIS AGREEMENT, OR ANY TRANSACTION BETWEEN THE PARTIES.

14.9 Forum Selection

If arbitration procedures are found unenforceable or a claim is not subject to arbitration, proceedings must occur exclusively in a court of competent subject-matter jurisdiction located in Wyoming, unless applicable law requires otherwise.

15. Consent to Receive Notices Electronically

You consent to receiving agreements, notices, disclosures, and communications electronically by email, online posting, in-app notice, push notification, text message, or other electronic technology. You agree that all notices provided electronically satisfy any legal requirement that such communications be in writing. This consent is separate from marketing communication preferences.

16. General

16.1 Availability

CrownCards makes reasonable efforts to keep the Platform operational. However, technical difficulties, routine maintenance, upgrades, payment interruptions, shipping disruptions, third-party failures, and events outside CrownCards' control may result in temporary interruptions. CrownCards may modify, suspend, or discontinue any function or the entire Platform at any time, with or without notice.

16.2 No Support or Maintenance

You acknowledge and agree that CrownCards has no obligation to provide support or maintenance in connection with the Platform, except as expressly stated by CrownCards or required by law.

16.3 Changes to Terms of Use

CrownCards may modify this Agreement at any time by adding new terms or deleting or amending existing terms. Modifications will be effective as of the date the updated terms are posted on the website or through the Platform, unless otherwise stated. Continued use after the effective date constitutes acknowledgment and agreement to the modified terms. If you do not agree, you must stop using the Platform.

The title-transfer and sourcing provisions of this version apply to Pack and Item purchases made on or after its effective date and governed by this version. Posting this version does not retroactively transfer title already acquired by a user or change the terms governing an earlier purchase.

16.4 Access and Use Where Prohibited

Access to and use of the Platform are unauthorized in any jurisdiction that does not give effect to all provisions of this Agreement or where use of the Platform is prohibited by law.

16.5 Eligible Locations

Unless otherwise stated, all marketing or promotional materials are directed solely to individuals in eligible locations. CrownCards may limit the provision and quantity of any feature, product, or service to any person, Account, or geographic area. Any offer made through the Platform is void where prohibited.

16.6 No Legal, Financial, Tax, or Investment Advice

CrownCards does not provide legal, financial, tax, investment, valuation, grading, or collectibles-market advice. Any values, estimates, ranges, odds, Display Prices, cash-out offers, or other information shown on the Platform are provided for Platform purposes only and should not be relied upon as advice. You should consult your own advisors as appropriate.

16.7 Miscellaneous

This Agreement constitutes the entire agreement between you and CrownCards regarding use of the Platform. CrownCards' non-exercise of any right does not waive it. Section titles are for convenience and have no legal effect. "Including" means "including without limitation." Invalid provisions are severable, and remaining provisions remain valid. Invalid provisions will be modified to the maximum extent enforceable to achieve the original intent. No employment, partnership, fiduciary, agency, or joint venture relationship is created. You may not assign, subcontract, delegate, or transfer your rights or obligations without CrownCards' prior written consent, and any attempted assignment in violation of this Agreement is void.

Acts beyond CrownCards' reasonable control, including acts of God, government actions, fires, floods, epidemics, pandemics, strikes, boycotts, carrier delays, Payment Agent delays, banking interruptions, card-network interruptions, supply-chain failures, market-data failures, grading-company delays, or third-party actions beyond CrownCards' reasonable control, excuse performance on a day-by-day basis to the extent performance is prevented.

The provisions that by their nature should survive termination will survive termination, including provisions relating to ownership, licenses, User Data, User Balance, Wallet, Sales, Net Sale Proceeds, Sale Proceeds Requests, taxes, chargebacks, indemnity, disclaimers, limitation of liability, arbitration, class action waiver, governing law, account restrictions, and miscellaneous terms.

17. Address for Notices and Contact Information

Crown Cards LLC

2106 House Ave Ste 456

Cheyenne, WY 82001

Legal: legal@crowncards.io

Customer Support: support@crowncards.io