Terms of Service

These Terms of Service ("Terms") form a binding agreement between you and TCGinvest ("we", "us"). By creating an account, subscribing, or otherwise using TCGinvest (the "Service"), you confirm that you have read, understood, and agreed to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

TCGinvest is a quantitative research tool for the Pokémon trading-card market. We collect publicly available marketplace prices and grading population data, compute composite metrics, and present the analysis on a website.

The Service is not:

• A financial advisor, broker-dealer, investment advisor, or fiduciary.
• A guarantee of price movement, returns, or grading outcomes.
• A marketplace, escrow service, or trading venue. We do not buy or sell cards.
• A substitute for your own due diligence on any purchase or sale.
• Affiliated with Nintendo, The Pokémon Company International, Wizards of the Coast, or any TCG publisher.

See section 09 — Disclaimers for the full risk language.

You must be at least 16 years old and capable of forming a binding contract under the laws of your jurisdiction. By creating an account you confirm both. If you are accessing the Service on behalf of a company, you confirm you have authority to bind that company to these Terms.

You are responsible for keeping your login credentials confidential and for every action taken from your account. Notify us at [email protected] if you suspect unauthorised access. We may suspend or terminate accounts that violate these Terms (see section 12).

The Pro tier is offered on two billing cadences: €9.99 / month or €79.99 / year (annual saves approximately 33%). Both auto-renew until you cancel. You can cancel at any time from the Manage subscription link in the site footer; cancellation takes effect at the end of the current billing period, with no further charges.

Subscription billing is handled by Polabs Inc. (Polar.sh) ("Polar") as our Merchant-of-Record. Polar is the seller of record for tax and consumer-protection purposes; the charge on your statement will appear as Polar* on our behalf. Polar’s buyer terms are available at polar.sh/legal/terms. All prices are quoted in EUR and are inclusive of any applicable VAT, which Polar calculates and remits based on your billing country.

We may change prices with at least 30 days’ notice, sent to the email associated with your account. The change applies at your next renewal date; your current paid period is honoured at the original price. If you do not accept the new price, you can cancel before the renewal date without penalty.

Detailed billing, cancellation, and refund terms — including eligibility windows and case-by-case considerations — are set out in our Refund Policy.

Under EU consumer law (Directive 2011/83/EU), consumers in the EU and EEA have a 14-day right of withdrawal from the start of a subscription, without giving any reason.

To exercise this right, email [email protected] within 14 days of subscribing, including the email address on the account. We will refund the full subscription fee within 14 days of receiving the request, using the original payment method.

Full refund regardless of usage. Although the Directive permits limiting the right of withdrawal where the service is fully performed during the 14-day window with the consumer’s express prior consent (Art. 16(m)), we do not apply that limitation. A full refund is available inside the 14-day window even if you have used the paid features. See the Refund Policy for the full details, including refund eligibility outside the 14-day window.

You agree that you will not:

• Scrape, crawl, or systematically extract data from the Service beyond what is necessary for normal human use.
• Resell, redistribute, or republish the data, scores, or projections to third parties as a substantial part of any product or service.
• Reverse-engineer, decompile, or attempt to derive our scoring algorithms.
• Use the Service to send unsolicited messages or to abuse, harass, or impersonate any person.
• Circumvent or interfere with security, rate limits, or access controls.
• Use the Service in any way that violates applicable law.

We may rate-limit, block, suspend, or terminate accounts that violate these rules.

The Service, including the code, the scoring methodology, the composite metrics, the database structure, the design, and all original written content (such as the blog), is owned by TCGinvest and protected by EU and international copyright law.

Card names, artwork, set names, and similar are property of their respective publishers (Nintendo, The Pokémon Company, Wizards of the Coast, etc.). We use them for research and editorial commentary under fair-use/quotation principles. We are not affiliated with or endorsed by any publisher.

You retain ownership of the data you enter into the Service (watchlists, portfolio entries, notes). You grant us a non-exclusive, royalty-free licence to host and process this data solely for the purpose of operating the Service.

NONE OF THE CONTENT, METRICS, PROJECTIONS, OR ANALYSIS ON TCGINVEST IS FINANCIAL ADVICE.

• Pokémon cards are collectible assets, not financial instruments. Their values are illiquid, volatile, and can fall to zero. Past performance does not predict future returns.
• Our composite scores and 5-year CAGR projections are statistical estimates derived from historical data with explicit confidence intervals. They are model output, not predictions, and we publish the methodology so you can judge it.
• Prices shown are observed marketplace listings — typically Cardmarket (EUR) and PriceCharting (USD graded). They lag the real market by minutes to days, and individual transaction prices can vary materially from listed prices.
• Variant identification, condition assumptions, and language assumptions (Near Mint English) are made at scale and may be wrong on individual cards. Always verify before buying or selling.
• You are solely responsible for your investment decisions. Consult a qualified financial advisor before allocating capital.

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, either express or implied, including but not limited to fitness for a particular purpose, merchantability, or non-infringement.

Nothing in these Terms excludes our liability for fraud, gross negligence, or anything that cannot be excluded under applicable law (including under Maltese consumer law and the EU consumer rights you cannot waive).

Subject to that, our total aggregate liability arising out of or in connection with the Service is limited to the greater of (a) the subscription fees you have paid to us in the 12 months preceding the event giving rise to the claim, or (b) one hundred euros (€100).

We are not liable for losses arising from your investment decisions, market movements, third-party platform outages (Cardmarket, PriceCharting, Stripe, Clerk, Cloudflare, etc.), or your reliance on the projections or scores presented.

You agree to indemnify and hold TCGinvest harmless from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms or your unlawful use of the Service. This does not apply where the claim is caused by our own negligence or wrongdoing.

By you: cancel any time from the Polar Customer Portal (linked from the site footer). Cancellation takes effect at the end of the current billing period.

By us: we may suspend or terminate your account for material breach of these Terms (e.g., scraping, abuse, non-payment). We will give reasonable notice except in cases of serious abuse or legal necessity.

On termination, your right to use the Service ends. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and governing law — survive.

We may change the Service or these Terms with reasonable notice (typically at least 30 days for material changes affecting your rights, posted in-app and emailed to registered users). If you don't accept the change, your remedy is to stop using the Service and, where applicable, cancel your subscription. Continued use after a change indicates acceptance.

These Terms and any non-contractual obligations arising out of them are governed by the laws of Malta, except where mandatorily-applicable consumer law of your country of residence provides you with greater protection — those mandatory rules continue to apply.

We aim to resolve disputes informally first. Please email [email protected] with the details. If we cannot resolve a dispute within 60 days, the courts of Malta have non-exclusive jurisdiction — without prejudice to your right as a consumer to bring proceedings in the courts of your country of residence.

EU consumers can also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

For any matter relating to these Terms, write to [email protected].