Terms of Service

By accessing or using CardGrade.io, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.

We may modify these terms at any time. Continued use of CardGrade.io after changes constitutes acceptance of the modified terms. We will notify users of material changes via email or in-app notification.

You must be at least 18 years old to use CardGrade.io. By using our services, you represent that you meet this age requirement.

To use certain features of CardGrade.io, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

You are responsible for safeguarding your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized access or use of your account.

We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent, abusive, or illegal activity.

Each person may maintain only one account. Creating multiple accounts — including through email aliases, disposable email addresses, or multiple devices — is prohibited and may result in suspension of all associated accounts.

To protect our platform and users, we employ automated fraud detection measures. These include device fingerprinting, IP address tracking, email normalization, and disposable email detection. These measures help us enforce our one-account-per-person policy and prevent abuse.

We limit the number of accounts that can be registered from a single device or IP address. If you are unable to create an account due to these limits, it may be because another account was previously created from your device or network. Contact support@cardgrade.io for assistance.

Our administrators may block specific devices or IP addresses from registering new accounts, and may suspend accounts that exhibit fraud signals. Blocks may be temporary or permanent depending on the severity of the abuse.

If you believe your account was suspended or your registration was blocked in error, you may contact support@cardgrade.io to request a review. We will respond within a reasonable timeframe.

CardGrade.io provides AI-powered trading card analysis through CGI Vision AI. Our services include grade predictions, condition analysis, and related features as described on our website.

Credits are required to perform card analyses. All credits — whether included with a subscription plan or purchased as credit packs — are non-refundable once issued or purchased. Subscription credits reset at each billing cycle and do not roll over to the next period. Credit pack purchases never expire but are non-refundable.

Promotional or bonus credits (including retention bonuses) are provided at CardGrade.io's sole discretion, are non-refundable, and may be subject to additional terms. Bonus credits are added as pack credits and do not expire.

We strive for accuracy but cannot and do not guarantee that our predictions will match the grades ultimately assigned by any professional grading company, including PSA, BGS, CGC, SGC, or TAG. Our predictions are independent estimates based on image analysis, are provided for informational purposes only, and should not be relied upon as definitive. CardGrade does not submit cards on your behalf and has no control over the standards, fees, turnaround, or outcomes of any third-party grading company. Any accuracy-related credit we may offer (see our Refund Policy) is a service credit only and is not a guarantee of any particular grade, authentication result, or financial outcome.

You retain ownership of all card images and data you upload to CardGrade. By uploading content, you grant us a non-exclusive, worldwide license to use, process, and store your content to provide our services.

You represent that you have the right to upload content and that your content does not infringe on the rights of others or violate any laws.

We may use anonymized and aggregated data from user analyses to improve our AI models. You can opt out of AI training in your account settings.

You may not use CardGrade.io for any illegal purpose or in violation of any local, state, national, or international law.

You may not attempt to gain unauthorized access to our systems, interfere with our services, or circumvent any security measures.

You may not use automated systems (bots, scrapers, etc.) to access CardGrade.io without our express written permission.

You may not register using disposable or temporary email addresses. You may not use email aliasing techniques to create multiple accounts.

You may not circumvent or attempt to circumvent fraud detection measures, account limits, device or IP blocks, or other security restrictions.

You may not upload content that is malicious, harmful, or violates the rights of others.

Subscriptions (Hobby $4.99/mo, Starter $9.99/mo, Pro $24.99/mo, and Business $74.99/mo, or their annual equivalents) are billed in full at signup. The first month — or first year for annual plans — is charged immediately when you subscribe. There is no free trial. Annual plans are billed once per year at approximately 20% off the equivalent monthly rate. Subscription credits are delivered monthly across the term for both monthly and annual plans; an annual plan is paid for twelve months up front but does not grant all twelve months of credits at once.

You authorize us to charge your payment method for all fees incurred. By subscribing to a paid plan, you acknowledge that you are purchasing access to a digital service.

Prices are subject to change. We will provide notice of price changes and such changes will take effect at the start of your next billing cycle.

You may upgrade your subscription plan at any time during a billing cycle. When you upgrade, you will be charged a prorated amount for the remainder of the current billing period reflecting the difference between your current plan and the new plan. This prorated charge is calculated automatically and is non-refundable.

Upon upgrading, your subscription credits will be immediately refreshed to the new plan's monthly allowance. Previous unused credits from the lower-tier plan are forfeited and are not refundable or convertible. Your billing cycle date and interval (monthly or annual) remain unchanged.

Upgrades are processed immediately and cannot be reversed. If you upgrade and later wish to return to a lower plan, you must follow the downgrade process described below. No refunds or credits will be issued for the difference.

You may cancel your subscription or request a downgrade at any time. Cancellation and downgrades take effect at the end of your current billing period — you will retain access to your current plan's features and any remaining subscription credits until the period expires.

If you cancel within 3 days (72 hours) of starting a new subscription, you are eligible for a refund under the 3-Day Money-Back policy described in the No-Refund Policy section below. Outside that window, no refunds — prorated or otherwise — are provided for cancellations or downgrades, regardless of how much time remains in the billing period. This applies equally to monthly and annual subscriptions.

If you cancel within the 3-day window and receive a refund, any unused subscription credits are forfeited — they have been accounted for in the refund calculation. If you cancel after the 3-day window, remaining subscription credits stay available and usable until your billing period ends, at which point they expire. CardGrade.io may, at its sole discretion, convert remaining unused subscription credits to pack credits upon cancellation; any such converted credits do not expire but are non-refundable.

CardGrade.io may, at its sole discretion, offer retention incentives (such as bonus credits) to users who initiate a downgrade. Acceptance of a retention offer constitutes agreement to remain on your current plan. Retention bonuses are limited to one per billing period, are non-refundable, and cannot be exchanged for cash or applied as payment toward future billing.

3-DAY MONEY-BACK WINDOW FOR NEW SUBSCRIPTIONS. If you cancel within 3 days (72 hours) of starting a new subscription — monthly or annual — we will refund the amount you paid minus the value of any grades you have already used. Each used grade is valued at your plan's per-grade rate. The refund is issued to your original payment method. This window applies once per new subscription and does not reset on renewals.

AFTER THE 3-DAY WINDOW. Cancellation takes effect at the end of your current billing period. You retain access and remaining subscription credits until the period ends. No refunds — prorated or otherwise — are issued for unused subscription time after the 3-day window has passed. This applies equally to monthly and annual plans. An annual subscription is a twelve-month commitment paid in full at signup; after the 3-day window it is non-refundable in whole or in part, and no refund is issued for unused months or unused credits, even though credits are delivered monthly.

CREDIT PACKS ARE FINAL SALE. One-time credit pack purchases are non-refundable under all circumstances. Pack credits never expire.

BONUS AND PROMOTIONAL CREDITS. Welcome credits, loyalty bonuses, referral credits, ad credits, and review credits are not eligible for refund or cash redemption under any circumstances.

PRORATED UPGRADE CHARGES. Charges for mid-cycle subscription upgrades are non-refundable.

BILLING ERRORS. If you believe you were charged in error, contact support@cardgrade.io within 7 days of the charge. We will investigate and correct legitimate billing errors promptly.

CHARGEBACKS. Filing a chargeback or payment dispute without first contacting CardGrade.io support will result in immediate account suspension. If a chargeback is filed, we reserve the right to permanently suspend the account, revoke all remaining credits (subscription and pack), and pursue recovery of the disputed amount plus any associated fees. We strongly encourage users to contact support@cardgrade.io to resolve any billing concerns before initiating a dispute with their payment provider.

CardGrade.io, CGI Vision AI, and all related trademarks, logos, and service marks are our property. You may not use our marks without prior written permission.

Our services, including all software, algorithms, and content, are protected by copyright, patent, and other intellectual property laws.

Nothing in these terms grants you any right to our intellectual property except the limited license to use our services as described herein.

CardGrade.io is an independent service. We are not affiliated with, endorsed by, sponsored by, or otherwise connected to PSA (Professional Sports Authenticator), BGS (Beckett Grading Services), CGC (Certified Guaranty Company), SGC (Sportscard Guaranty Company), TAG (Technical Authentication and Grading), or any other professional grading company.

PSA, BGS, CGC, SGC, TAG, and all other company names, logos, and brands referenced on CardGrade.io are the property of their respective owners and are used for identification, description, and comparison purposes only. Our use of these names does not imply any affiliation with or endorsement by their owners.

Grade predictions and any reference to third-party grading scales are provided to help you make your own decisions. We do not guarantee that submitting a card to any grading company will result in the predicted grade, and we are not responsible for the fees, turnaround times, policies, authentication decisions, or grading outcomes of any third-party company.

CardGrade.io is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our services will be uninterrupted, error-free, or completely secure. We do not warrant the accuracy or completeness of any information provided through our services.

Grade predictions are estimates and should not be relied upon as definitive assessments. Actual grades assigned by professional grading companies (including PSA, BGS, CGC, SGC, and TAG) may differ from our predictions, and we make no guarantee of any specific grade, authentication result, or resale value.

To the maximum extent permitted by law, CardGrade.io and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages.

Our total liability for any claims arising from your use of CardGrade.io shall not exceed the amount you paid us in the twelve months preceding the claim.

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

Nothing in these Terms — including the no-refund policy, the disclaimers of warranties, or the limitation of liability — excludes, restricts, or modifies any right, remedy, guarantee, warranty, or other term that applies to you under applicable consumer-protection law and that cannot lawfully be excluded or limited. Where such a law applies, our liability for failing to meet a non-excludable guarantee is limited, to the extent the law allows, to the remedies that law requires.

If you are a consumer in the European Union, United Kingdom, or another jurisdiction that grants statutory withdrawal or cancellation rights for digital services or digital content, those rights apply to you to the extent required by law. Where you expressly request immediate access to a digital service and acknowledge potential loss of a statutory withdrawal right once the service is fully performed, that acknowledgment applies only to the extent permitted by applicable law.

This section prevails over any conflicting provision in these Terms to the extent of the conflict.

You agree to indemnify and hold harmless CardGrade.io and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.

Subject to the Dispute Resolution section below, any dispute arising from these terms or your use of CardGrade.io that is not resolved by arbitration shall be brought in the state or federal courts located in Cumberland County, Pennsylvania.

Please read this section carefully — it affects how disputes are resolved. Except where prohibited by applicable law, you and CardGrade.io agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the services will be resolved by binding individual arbitration rather than in court, except that either party may bring an individual claim in small-claims court.

YOU AND CARDGRADE.IO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.

This arbitration agreement and class-action waiver do not apply where they are prohibited or unenforceable under the law governing your relationship with us — including for many consumers in the European Union and United Kingdom, who retain the right to bring claims in their local courts. Nothing in this section waives any right that cannot lawfully be waived.

You may opt out of this arbitration agreement by emailing legal@cardgrade.io within 30 days of first accepting these Terms. Opting out will not affect any other part of these Terms.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights.

These terms constitute the entire agreement between you and CardGrade.io regarding your use of our services.