Terms of Service

These Terms of Service (the "Terms") are a binding agreement between you and the operators of My Card Wizard ("My Card Wizard", "we", "us" or "our"). They govern your access to and use of www.mycardwizard.com, the My Card Wizard web and desktop applications, and every related feature, interface and communication (together, the "Service").

"You" means the individual who creates or uses an account. If you use the Service for a business, "you" also means that business, and you represent that you are authorised to bind it to these Terms.

The Privacy Policy and the Cookie Policy form part of these Terms. By creating an account, starting a subscription or otherwise using the Service, you accept these Terms. If you do not accept them, you must not use the Service.

In these Terms, "including" means "including without limitation", and headings are for convenience only and do not affect interpretation.

You must be at least 18 years old and able to form a legally binding contract to create an account or use the Service. By creating an account, you represent and warrant that you meet these requirements.

You may not use the Service if applicable law prohibits you from doing so, or if we have previously suspended or terminated your account for a breach of these Terms.

You must provide accurate and complete information when you create an account and keep it up to date.

You are responsible for keeping your sign-in details confidential and for all activity that occurs under your account, whether or not you authorised it. An account may be used by one individual or one business. You must not share your sign-in details with anyone else.

You must notify us at support@mycardwizard.com promptly if you believe your account has been accessed without your permission. We are not liable for any loss arising from unauthorised use of your account, except to the extent the loss is caused by our breach of these Terms.

Two-factor authentication is available in Security settings. We recommend that you turn it on, and that you do so before you connect a marketplace account.

You consent to receive communications from us electronically, by email to the address on your account and by notices in the Service. These communications include sign-in and security codes, security notices, receipts, the confirmation of a new Plan, trial and renewal reminders, a trial email with how to scan your first batch, payment notices, acknowledgements of feedback and support requests and notes when we close them, and notices about these Terms. You agree that these communications satisfy any legal requirement that a communication be in writing.

You cannot opt out of the communications described above while you hold an account, because they are necessary to operate your account and your subscription.

We send product email, including the weekly card news, if you turn it on. From 29 October 2026, if you created your account on or after 14 October 2026 and live in the United States, we also send it unless you turn it off. You may turn it off at any time in Settings or by using the unsubscribe link in any such email.

The Service uses automated systems, including machine-learning models operated by third parties, to identify trading cards from images you upload, to estimate their market value from third-party market data, and to create and manage listings on marketplaces you connect.

Automated results may be inaccurate or incomplete. An identification, including a card's name, set, number, year, language, finish, edition, rarity or grading status, may be wrong. Foil, reflective and graded cards are especially likely to be misidentified, and a wrong finish can change a card's value substantially.

Prices shown in the Service are automated estimates. They are not appraisals, valuations, offers to buy or guarantees of any sale price. A trading card game card is estimated from the TCGplayer market price for its printing, using data we update daily. A sports card is estimated from current eBay listings with a discount applied. We do not provide an estimate for a graded card. Where a card was printed in more than one way and the Service cannot determine which printing you hold, the Service may show no estimate until you choose one, or may apply a default printing and mark the card as a Draft. Market data may be delayed, incomplete or inaccurate, and market prices change.

You are solely responsible for verifying the identity, condition, authenticity and value of each card, and for every price you set and every listing, sale, purchase or offer you make. You agree that you do not rely on the Service's results in place of your own judgement.

Nothing in the Service is legal, tax, financial, investment or appraisal advice.

My Card Wizard does not buy, sell, own, grade, authenticate or take possession of any card, and is not a party to any transaction between you and a buyer.

When you list a card through the Service, you are the seller. Any sale is a contract solely between you and the buyer on that marketplace. You are solely responsible for the accuracy of each listing, the price, payment, shipping, returns, refunds, customer service, taxes, marketplace fees and compliance with the marketplace's rules and with applicable law.

Some features act on your connected accounts automatically, including Auto Cross-List, Auto Sold Sync, Auto Price Sync and eBay auction runs. These features depend on data and services controlled by third parties and run on a schedule rather than instantly. They may be delayed, may fail, or may act on inaccurate data. For example, a card listed on more than one channel can remain available on one channel after it sells on another until the next synchronisation. You are responsible for monitoring your listings, orders and inventory, and we are not liable for an oversold, duplicated, mispriced or unended listing, or for a sale made or missed as a result of an automated feature.

You may connect accounts with third-party services, including eBay, Shopify, WooCommerce, CardTrader, Mana Pool and Square, and you may export files for Whatnot, TCGplayer and Square. By connecting an account, you authorise us to access that account and to act on your behalf to the extent needed to perform the actions you request or configure, including creating, updating and ending listings, reading orders, and changing prices and quantities.

Each third-party service has its own terms, fees and policies, which apply to your use of it and which you are responsible for following. We do not control third-party services and are not responsible for their acts, omissions, availability, fees or policies. We do not guarantee that a marketplace will accept a listing or that a listing will remain active. Some channels, including CardTrader, make a listing live as soon as it is created. Others create a draft for you to review.

The Service relies on third-party providers for hosting, identification, market data, email and payment processing. If a provider changes, fails or stops operating, the Service or any part of it may be interrupted, and we are not liable for that interruption.

You may disconnect a connected account at any time in the Service. Disconnecting deletes the credentials we store for that account. It does not end listings that are already live on that marketplace.

Subscriptions. Use of the Service requires a paid subscription plan (a "Plan"). The price, billing period, monthly scan allowance and features of each Plan are shown on our pricing page when you subscribe. Prices are in US dollars. Payments are processed by Stripe. We do not receive or store your full payment card number. When a subscription or free trial starts, we email you a confirmation that states the Plan, its price, the date of the next charge or of the first charge after a trial, and how to cancel.

Authorisation to charge. By starting a subscription, you authorise us, through Stripe, to charge your payment method the price of the Plan you choose, plus applicable taxes, when your subscription starts or your free trial ends, and at the start of each renewal period, until you cancel. You must keep a valid payment method on file.

Automatic renewal. Each Plan renews automatically at the end of each monthly or yearly billing period for a further period of the same length, at the price then in effect, until you cancel.

Renewal reminders. If you are on a yearly plan, we email you before it renews, approximately 30 days before and again approximately 7 days before the renewal date. Each reminder states the renewal date and links to the page where you can cancel. If you are on a monthly plan, we email you once a year, on or shortly after the anniversary of the day your subscription started, to remind you that it renews every month and how to cancel.

Free trial. The Beginner plan starts with a free trial of 14 days. You must enter a payment method in Stripe's checkout to start the trial. We do not charge you during the trial. We email you 3 days before the trial ends. Unless you cancel before the trial ends, your trial converts to a paid Beginner subscription when it ends, and Stripe charges your payment method the Beginner price, plus applicable taxes, on that day and at each renewal after it. Each account may receive only one free trial, and we may refuse a trial to anyone who has had one before. The Pro and Ultra plans have no free trial, and Stripe charges them when you subscribe.

Promotional offers. A promotional offer or code is subject to the conditions stated with it, has no cash value, cannot be combined with a free trial, and may be changed or withdrawn by us at any time before you redeem it. When a promotional period ends, your subscription renews at the standard price unless you cancel before then.

Changing plans. A change to a more expensive Plan or to a longer billing period takes effect immediately. Stripe shows the prorated difference for the rest of the current billing period before you confirm the change, and bills it as shown. A change to a less expensive Plan or to a shorter billing period takes effect at the end of the current billing period. When your Plan changes to one that does not include a feature, that feature stops when the change takes effect, except that an Auto Sold Sync you turned on keeps running, so that a card listed on two channels is not sold twice.

Price changes. We may change the price of any Plan. We will email you at least 30 days before a price change applies to your subscription. The new price applies from your first renewal after that notice period. If you do not agree to the new price, you may cancel before it takes effect.

Taxes. Prices do not include taxes unless we state otherwise. Stripe calculates and collects sales tax and similar taxes where required, and you are responsible for any other taxes that apply to your subscription.

Cancellation. You may cancel at any time from Plan and billing in the app, using Cancel plan. You do not need to call us or send an email to cancel. Cancellation takes effect at the end of the current billing period or free trial. You keep access until then, and you are not charged again. If you cancel during a free trial, you are not charged.

Refunds. Payments are non-refundable, including for partial billing periods, unused scans and periods in which you did not use the Service, except where applicable law requires a refund or section 15 provides one. We may issue a refund or credit at our sole discretion, and doing so once does not oblige us to do so again. If we refund a subscription payment in full, the subscription ends when the refund is issued.

Failed payments. If a payment fails, Stripe retries it and we email you to update your payment method. Your access continues while Stripe retries. If a payment is still unpaid after Stripe's final retry, your subscription may be paused or cancelled, and we may suspend your access until the amount due is paid.

Chargebacks. If you dispute a charge with your card issuer, we may suspend your account until the dispute is resolved.

Ending of a Plan. When a trial or subscription ends and is not renewed, you cannot scan cards or use most of the Service until you start a new subscription. Plan and billing, Settings, support and the guides remain available, and we keep your account content as described in section 15 and in the Privacy Policy.

Scan allowance. Each Plan includes a monthly allowance of scans. The Service uses one scan each time it reads a card image for identification, whether or not the resulting identification or estimate is correct, except as this section states. An image that the Service does not read, because it is too small, is not an image, or fails to process because of a technical fault on our side, does not use a scan. A scan of the back of a card does not use a scan when the Service leaves it out, stores it as the back of a card, or reads it and finds only a card back.

Unused scans. Unused scans from one monthly period carry over to the next monthly period only, up to one month of your Plan's allowance. Carried-over scans that are not used in that next period expire.

Scans returned for an Error. If the Service marks a card as an Error on its first scan because it could not determine the card's identity, language, finish, parallel, version or price, we return that scan to your allowance, subject to the following conditions. Your browser requests the return when the card is priced, so a scan is returned only if the batch is still open in your browser when the card is priced, and no later than 6 hours after the card's first scan. In each monthly period we return no more than 25 scans or one quarter of your Plan's monthly allowance, whichever is greater. A scan is not returned for an Error caused by your own settings or actions, including a listing title that is too long, a review threshold you set, or a card you marked as an Error yourself.

Earned scans. Scans credited to you under a rewards program are subject to that program's rules and to these Terms. We may reverse earned scans that were obtained in breach of these Terms.

No cash value. Scans are a usage allowance, not stored value. They have no cash value, are not refundable, cannot be transferred or sold, and cannot be used without an active Plan.

Other limits. We may apply technical limits to protect the Service, including rate limits, limits on the number of cards in one batch, and limits on unusual volumes of use. You must not circumvent any limit, including by creating more than one account.

Ownership. You keep ownership of the images, data and other material that you upload to or create in the Service ("Your Content").

Licence to us. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, process, resize, transmit and display Your Content, and to sublicense these rights to the service providers named in the Privacy Policy, solely to provide, secure, maintain and improve the Service. This licence includes sending your scans to identification services, and sending listing details and photos to a marketplace when you choose to list a card. The licence ends when you delete the relevant content or your account, except for copies retained as the Privacy Policy describes.

Your responsibility. You represent and warrant that you own or have all rights needed to upload Your Content and to grant the licences in this section, and that Your Content and our use of it under these Terms do not infringe any person's rights or violate any law.

Aggregated data. We may create aggregated or de-identified data from use of the Service, including sale outcomes you record, and use it to operate and improve the Service. Aggregated data does not identify you or your account, and we may keep it after your account is deleted.

Photo Rewards. Photo Rewards is an optional program and is off unless you turn it on. If you turn it on and we accept a scan you offer, you grant us a worldwide, non-exclusive, royalty-free licence to store, copy, resize and display that scan to users of the Service as the reference picture for that card, and to sublicense these rights to our service providers for that purpose. The licence covers the picture only. It does not cover your name, your prices or your inventory, and you keep all other rights in the picture.

The Photo Rewards licence for an accepted scan continues after you turn the program off or delete your account, until we remove the picture. We will remove an accepted picture if you ask us to. Scans already credited for an accepted picture are not reversed when it is removed. When you turn the program off, any scan still awaiting review is withdrawn.

If you send us ideas, suggestions or other feedback about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use it for any purpose, without any obligation or payment to you.

You must not, and must not permit anyone else to:

(a) upload content that you do not have the right to upload, or that is unlawful, or that shows another person's personal information or identity documents;

(b) access or attempt to access another user's account or data;

(c) probe, scan or test the vulnerability of the Service, breach any security or authentication measure, or interfere with, overload or disrupt the Service;

(d) scrape, crawl or otherwise extract data from the Service, or use the Service, its catalogs or its prices to build a competing product or dataset;

(e) circumvent any rate limit, plan limit, scan limit, trial restriction or payment requirement;

(f) use bots, scripts or other automated means to access the Service, except through an interface we provide for that purpose;

(g) copy, modify, decompile or reverse engineer the Service, except to the extent applicable law permits despite this restriction;

(h) resell, sublicense, rent or otherwise provide access to the Service to any third party;

(i) create listings that are fraudulent, misleading or deliberately misdescribed, including listing a counterfeit or altered card as genuine; or

(j) use the Service in breach of a marketplace's rules or of any applicable law.

The Service, including its software, design, text, pricing methods and the card catalogs we assemble, is owned by us or our licensors and is protected by intellectual property laws. Except for the limited licence in this section, these Terms grant you no right, title or interest in the Service.

Subject to your compliance with these Terms and payment of all applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable and non-sublicensable licence to access and use the Service for your own selling during your subscription.

You must not use our name, logo or branding without our prior written consent, or in a way that suggests a relationship with us that does not exist. All rights not expressly granted in these Terms are reserved.

Trading cards carry artwork, logos and likenesses owned by others. You may upload scans of cards you own in order to sell them. You must not upload another person's photograph or list counterfeit product.

If you own a copyright and believe that material on the Service infringes it, send a written notice to support@mycardwizard.com with the subject line Copyright complaint. The notice must include: your physical or electronic signature; identification of the copyrighted work you claim is infringed; identification of the material you claim is infringing, with enough information for us to locate it; your name, postal address, email address and telephone number; a statement that you have a good faith belief that the use is not authorised by the copyright owner, its agent or the law; and a statement that the information in the notice is accurate and, under penalty of perjury, that you are the owner or are authorised to act on the owner's behalf.

We review each notice. Where a notice is complete and well founded, we remove or disable access to the material.

If material you uploaded was removed and you believe it was removed by mistake or misidentification, you may send a counter-notice to the same address. It must include: your physical or electronic signature; identification of the material and the location where it appeared; a statement under penalty of perjury that you have a good faith belief that the material was removed by mistake or misidentification; your name, postal address, email address and telephone number; and your consent to the jurisdiction of the federal district court for the district where you live, or, if you live outside the United States, any judicial district in which we may be found. We forward a valid counter-notice to the complainant and may restore the material where appropriate.

We terminate, in appropriate circumstances, the accounts of users who repeatedly infringe the rights of others.

Your right to end. You may stop using the Service at any time. You may delete your account from Security in the app. Deleting your account permanently deletes your cards, batches, scans, settings and marketplace connections, and it cannot be undone. It also cancels your subscription immediately, without a refund for the current billing period. It does not end listings that are already live on a marketplace.

Our right to suspend or terminate. We may suspend or terminate your account or your access to the Service, with or without notice, if you breach these Terms, if a payment is overdue, if we are required to do so by law, or if we reasonably believe your use creates a risk or legal exposure for us, other users or third parties. We may also terminate an account that has had no active Plan and no sign-in for 12 consecutive months, after giving at least 30 days' notice by email. We have no obligation to refund any payment if we suspend or terminate your account under this paragraph.

Changes to the Service. The Service is under active development. We may add, change, suspend or remove any feature, and may take the Service down for maintenance, at any time and without liability to you. We do not guarantee any level of availability. Notable changes are listed in the Changelog.

Discontinuation. If we decide to discontinue the entire Service, we will give you at least 30 days' notice by email. Your account remains available until the discontinuation date so that you can export your data. We will refund the portion of any fees you prepaid that covers the period after that date.

Effect of termination. When your account is terminated, your right to use the Service ends immediately. We may then delete Your Content as described in the Privacy Policy. Sections 5, 6, 9 (No cash value), 10, 11, 13 and 16 to 22 survive termination, together with any payment obligation that arose before it.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ACCURACY, AND ANY WARRANTY ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE PARAGRAPH ABOVE, WE DO NOT WARRANT THAT ANY IDENTIFICATION, ESTIMATE, PRICE, LISTING OR AUTOMATED ACTION WILL BE ACCURATE, COMPLETE, TIMELY OR ACCEPTED BY A MARKETPLACE, THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT YOUR CONTENT WILL NOT BE LOST.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions, the exclusions above apply to the fullest extent permitted by law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MY CARD WIZARD, ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SALES, GOODWILL, DATA OR BUSINESS OPPORTUNITY, INCLUDING ANY LOSS ARISING FROM A CARD BEING MISIDENTIFIED, MISPRICED, SOLD BELOW ITS VALUE, OVERSOLD OR LISTED IN ERROR, OR FROM ANY AUTOMATED ACTION ON A CONNECTED ACCOUNT, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND (B) FIFTY US DOLLARS (US$50).

The limitations in this section apply even if a remedy fails of its essential purpose. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, or for death or personal injury caused by negligence.

You agree to defend, indemnify and hold harmless My Card Wizard and its owners, operators, employees and agents from and against any claim, demand, loss, liability, damage, fine, cost or expense, including reasonable legal fees, arising out of or relating to: Your Content; any listing, sale or purchase you make, including any dispute with a buyer or seller; your use of a connected account; your breach of these Terms; or your violation of any law, any marketplace's rules or any third party's rights.

We may assume the exclusive defence and control of any matter for which you must indemnify us, and you agree to cooperate with our defence. You must not settle any such matter without our prior written consent.

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND US TO RESOLVE MOST DISPUTES BY BINDING INDIVIDUAL ARBITRATION, AND IT LIMITS THE WAYS YOU CAN SEEK RELIEF FROM US.

Informal resolution. Before starting an arbitration or a court proceeding, the party with a dispute must send the other a written notice describing the dispute and the relief sought. You send notice to support@mycardwizard.com. We send notice to the email address on your account. If the dispute is not resolved within 60 days after the notice is received, either party may start an arbitration.

Agreement to arbitrate. Except as provided below, you and we agree that any dispute, claim or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by final and binding arbitration on an individual basis, and not in court. This agreement to arbitrate is governed by the Federal Arbitration Act. The arbitrator has exclusive authority to decide all issues about the scope, validity and enforceability of this section, except as stated under Class action waiver.

Exceptions. Either party may bring an individual claim in a small claims court that has jurisdiction over it. Either party may also ask a court for an injunction or other equitable relief to stop the infringement or misuse of intellectual property or the unauthorised use or disruption of the Service.

Arbitration rules. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules if you use the Service as a consumer, and under its Commercial Arbitration Rules otherwise, as those rules are modified by this section. The rules are available at www.adr.org. The arbitration will take place in the county where you live or by video conference, telephone or written submissions. Payment of filing, administration and arbitrator fees is governed by the AAA rules. If 25 or more similar demands are filed against us by or with the help of the same or coordinated counsel, the AAA's Mass Arbitration Supplementary Rules apply.

CLASS ACTION WAIVER. YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of more than one person and may award relief only to the individual party seeking it. If a court decides that this waiver is unenforceable for a particular claim or request for relief, that claim or request will be severed and decided by a court after all arbitrable claims are resolved, and the rest of this section will still apply.

JURY TRIAL WAIVER. TO THE EXTENT A DISPUTE PROCEEDS IN COURT, YOU AND WE WAIVE ANY RIGHT TO A TRIAL BY JURY.

Your right to opt out. You may opt out of this agreement to arbitrate by sending an email to support@mycardwizard.com, from the address on your account, with the subject line Arbitration opt-out, within 30 days after you first accept these Terms. If your account existed before this section was added, you first accept it on the date our notice to you states it takes effect, and your 30 days run from that date. Opting out does not affect any other part of these Terms.

Time limit. To the extent permitted by law, any Dispute must be started within one year after the claim arises, or it is permanently barred.

Changes to this section. If we change this section, we will give you at least 30 days' notice. A change does not apply to a Dispute of which either party gave notice before the change took effect.

Where this section does not apply. This section does not apply to you if you are a consumer resident in the United Kingdom, the European Economic Area or Switzerland, or in any other place whose law does not allow a consumer to agree in advance to arbitration.

Except for section 19, which is governed by the Federal Arbitration Act, these Terms and any Dispute are governed by the laws of the Commonwealth of Massachusetts and applicable United States federal law, without regard to conflict-of-law rules.

To the extent a Dispute may proceed in court, it must be brought exclusively in the state or federal courts located in Massachusetts, and you and we consent to the personal jurisdiction of those courts.

If you are a consumer and the law of the place where you live gives you rights that cannot be waived by contract, including the right to rely on mandatory local law or to bring proceedings in your local courts, nothing in these Terms removes those rights.

Pokémon, Magic: The Gathering, Yu-Gi-Oh!, One Piece, Lorcana, eBay, Shopify, WooCommerce, CardTrader, Mana Pool, Square, Cardmarket, Walmart, Discord, TCGplayer, Whatnot, PSA, BGS, CGC, SGC and TAG are trademarks of their respective owners. We use these names only to identify the cards the Service reads and the services it connects to.

Some pages name other card tools and show their logos to identify the tool a page discusses. Those names and logos belong to their owners. Naming a tool does not mean that its owner participated in, approved or endorsed the page.

My Card Wizard is an independent service. It is not affiliated with, sponsored by, endorsed by, or licensed by The Pokémon Company, Nintendo, Creatures, GAME FREAK, Wizards of the Coast, Konami, Bandai, Disney, eBay, Shopify, Automattic, CardTrader, Mana Pool, Block, Cardmarket, Walmart, Discord, TCGplayer, Whatnot, PSA, BGS, CGC, SGC, TAG, or any card tool we name.

Card artwork shown beside your scan is a reference picture from the card databases named in the Privacy Policy. It is shown so that you can check which card the Service identified. Our marketing pages also show cards we own and catalog pictures from those databases.

Card artwork belongs to the card's publisher. We claim no right in it. We show it to identify a card and not to sell it. If you own a right in a picture shown on the Service and object to its use, follow the process in section 14.

Changes to these Terms. We may change these Terms at any time. If a change is material, we will notify you by email or by a notice in the Service at least 14 days before it takes effect, unless the change is required by law or relates only to a new feature, in which case it may take effect immediately. A change applies to a new account from the date at the top of this page. For an existing account, it applies from the date stated in our notice, and the previous version continues to apply to that account until then. By continuing to use the Service after a change takes effect for your account, you accept the changed Terms. If you do not accept them, you must stop using the Service and cancel your subscription before the change takes effect.

Entire agreement. These Terms, together with the Privacy Policy and the Cookie Policy, are the entire agreement between you and us about the Service and replace any earlier agreement or understanding about it.

Severability. If any provision of these Terms is held invalid or unenforceable, it will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No waiver. Our failure or delay in enforcing any right or provision of these Terms is not a waiver of it. A waiver is effective only if it is in writing, and waiving one breach does not waive any other.

Assignment. You may not assign or transfer these Terms or any right under them without our prior written consent. We may assign these Terms, without your consent, to an affiliate or to a successor in connection with a merger, acquisition, reorganisation or sale of all or part of our business or assets. We will notify you of any such assignment.

No third-party beneficiaries. These Terms create no rights for any person who is not a party to them.

Relationship. You and we are independent parties. These Terms do not create any partnership, joint venture, employment or agency relationship.

Notices. We give you notice by email to the address on your account or by a notice in the Service. Notice by email is given when sent. You give us notice by email to support@mycardwizard.com.

Force majeure. Neither party is liable for any failure or delay in performance, other than a payment obligation, caused by events beyond its reasonable control, including an outage at a hosting, network or service provider, a failure of a third-party service, a natural disaster, war, civil unrest or an act of government.

Language. These Terms are written in English. If they are translated, the English version prevails.

Questions about these Terms: support@mycardwizard.com.

Notice to California residents. Under California Civil Code section 1789.3, you may report a complaint about the Service to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, by telephone at (800) 952-5210 or in writing at the address the Department publishes.