Effective Date: [INSERT DATE]
Last Updated: [INSERT DATE]
Operator: [INSERT LEGAL ENTITY NAME] d/b/a FindMyCard ("FMC," "FindMyCard," "we," "us," or "our")
1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of the FindMyCard website, platform, products, services, features, tools, communications, and related functionality (collectively, the "Service").
By creating an account, confirming your email address, accessing the Service, posting a bounty, submitting a claim, uploading content, making a payment, or otherwise using FMC, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.
If you use FMC on behalf of a business or other entity, you represent and warrant that you have authority to bind that entity to these Terms, and "you" includes both you and that entity.
2. Nature of the Service
FindMyCard is a platform designed to help users post requests for specific trading cards and offer a bounty, and to allow other users to submit claims in response to those bounty listings.
FMC is a platform provider. FMC does not guarantee that any listing, claim, photo, description, or user-submitted information is accurate, complete, authentic, or free from error. FMC provides tools and processes designed to reduce fraud and verify possession, including proof of possession codes, required photo documentation, packaging and unboxing video requirements, and platform-enforced claim workflows. These tools create a verified evidentiary record but do not constitute a guarantee of accuracy, authenticity, or condition by FMC. When a Bounty Owner reviews and accepts a claim, that acceptance constitutes the Bounty Owner's own determination that the evidence is satisfactory. FMC's role is to provide the framework and enforce the rules, not to guarantee the outcome.
Unless FMC expressly states otherwise in writing, FMC is not a grading company, authentication company, escrow company, law firm, appraiser, insurer, financial institution, or fiduciary.
3. Account Registration and Email Confirmation
To use certain parts of the Service, you must create an account and provide accurate, current, and complete information. You agree to provide truthful account information, maintain and promptly update your information, keep your login credentials secure, notify FMC promptly of any unauthorized access, and remain responsible for all activity that occurs under your account, except where you can demonstrate to FMC's reasonable satisfaction that such activity resulted from unauthorized access that you did not enable through negligence, failure to secure your credentials, or sharing of login information.
3.1 One Account Per User
Each user is permitted one account only. Creating or maintaining multiple accounts, whether under the same or different identities, names, email addresses, payment methods, or devices, is a violation of these Terms regardless of intent. Upon discovery of duplicate accounts, FMC may terminate all associated accounts and any FMC Balance in secondary accounts may be forfeited.
3.2 Ban Evasion Prohibited
Users whose accounts have been suspended, restricted, terminated, or deactivated by FMC are permanently prohibited from creating a new account without FMC's express written permission. Attempting to circumvent a suspension or ban by creating a new account is itself a material violation of these Terms. FMC may use any available means to identify ban evasion including device fingerprinting, IP addresses, payment method matching, identity information, and behavioral signals. Any ban evasion account will be immediately terminated and any FMC Balance may be forfeited.
3.3 Unauthorized Access
If you believe your account has been accessed without your authorization, you must notify FMC immediately. FMC will investigate and may take protective action including temporary account suspension during review.
4. Eligibility and Tax Reporting
You may use the Service only if you are legally capable of entering into a binding agreement and are not barred from using the Service under applicable law.
FMC does not classify or designate accounts as business or personal. Account classification for tax and regulatory purposes is determined solely by applicable law based on your transaction volume and activity. When your transaction volume meets IRS or applicable state 1099-K reporting thresholds, Stripe will issue a 1099-K to you as required by law. FMC uses Stripe's reporting triggers to determine when additional tax documentation is required from you. FMC may require you to provide and maintain accurate tax identification information on file when your transaction volume meets applicable reporting thresholds. Failure to provide required tax documentation when requested may result in account restriction until resolved. You are solely responsible for understanding and complying with all tax obligations applicable to your use of the Service.
5. Identity Verification and KYC
5.1 General Verification - Stripe Identity
KYC and identity verification for US and global users is performed by Stripe as part of their onboarding and verification process. FMC integrates Stripe's identity verification into the platform experience, but Stripe is the entity collecting, processing, and verifying your identity information. FMC does not independently verify identity documents. FMC relies on Stripe's verification outcome to determine your eligibility for platform features. Your use of the Service is subject to Stripe's identity verification requirements and policies in addition to these Terms.
5.2 Chinese Users - Alipay-Based Verification
For users located in mainland China, identity verification is completed through your Alipay account authentication. By successfully authenticating through Alipay during onboarding, you confirm that your Alipay account is registered in your legal name and has been verified in accordance with Chinese real-name verification requirements. FMC relies on Alipay's verification as the basis for your KYC status on the platform.
5.3 Jurisdiction Tax Profile
At the time of identity verification, FMC queries Stripe Tax to establish your Jurisdiction Tax Profile. Stripe Tax determines the applicable tax rates and taxability rules based on your verified location. FMC stores and applies that profile to your account for all subsequent taxable transactions and refreshes it annually via a new query to Stripe Tax.
6. Bounty Listings
6.1 Creating a Bounty
FMC allows users to create bounty listings for specific trading cards. You are responsible for the accuracy, clarity, and specificity of your listing. You must not create bounty listings that are false, misleading, abusive, fraudulent, or intended to manipulate users or the platform. The minimum bounty amount is $20.
6.2 Condition Requirements
FMC does not impose a platform minimum condition standard. Bounty Owners have full discretion to set their own condition requirements or to accept any condition. This policy accommodates the full range of the hobby, including vintage cards such as pre-war issues where condition is highly variable, and low-population cards including 1/1, /2, and /3 printings where uniqueness is the primary value driver and condition standards are not applicable in the conventional sense.
6.3 Graded Card Bounties
When a Bounty Owner posts a bounty specifying a graded card by grading company and grade, the Owner is accepting that grading company's determination of what meets that grade. A claim submission that matches the correct grading company, correct grade, and correct card identity constitutes a qualifying claim that the Owner is obligated to accept. The Owner may not reject a qualifying graded card claim on condition grounds including centering, surface condition, corner condition, or edge condition. By posting a bounty for a graded card, the Owner accepts the grading company's standards in full.
The only valid rejection grounds for a graded card claim are: wrong card identity, wrong grading company, wrong grade, invalid or unreadable proof of possession code, or cert number verification failure. Slab damage disputes are permitted where the damage is clearly not present in the accepted claim photos, is not consistent with shipping damage, and is filed within the 3-day inspection window.
6.4 Duplicate Bounty Policy
If a bounty you are creating is detected by the platform as materially similar to an existing active bounty, FMC will display a notification recommending that you increase the existing bounty rather than create a new one. If you believe your bounty is materially different, you may proceed. Near-duplicate listings will be flagged on the platform and other users may report them for review. FMC makes the final determination on whether a listing constitutes a prohibited duplicate.
6.5 Platform Review
FMC may review, reject, remove, or limit any listing in its sole discretion.
7. FMC Balance
7.1 What Is FMC Balance
FMC Balance is a closed-loop internal platform balance that holds real U.S. dollars on a 1:1 basis. It is not a virtual currency, bank account, general-purpose wallet, peer-to-peer transfer tool, or payment card substitute. FMC Balance exists solely to facilitate activity within the FindMyCard platform. The closed-loop design eliminates the financial abuse that direct refund models enable and reduces fraud, bad-faith behavior, and chargeback risk.
7.2 Balance States
Your FMC Balance is tracked across four states: Available Balance (fully cleared funds not committed to any active obligation, the only pool you can spend from), Reserved Balance (funds committed to an active bounty deposit, locked until the bounty is completed, cancelled, expired, or you are displaced), Pending Balance (funds in transition including deposits awaiting clearance and Claimant proceeds within the 3-day post-delivery inspection window), and Payout Balance (the subset of Available Balance eligible for payout based on hold, fund origin, and activity rules). Total Balance equals Available plus Reserved plus Pending at all times.
7.3 Depositing Funds
You may deposit funds via Stripe for US and global users, or via Alipay for users in mainland China. A Platform Fee is assessed on each deposit as published in the FMC Fee Schedule. Deposited funds move to Pending Balance until clearance is confirmed, then to Available Balance.
7.4 No Refunds to Original Payment Method
Bounty deposits and all on-platform fund movements are non-refundable to your original payment method. This policy is fundamental to the closed-loop design of FMC Balance. When a bounty is cancelled, expires, or you are displaced, your Reserved Balance is released back to your Available Balance immediately with no fee. The only Stripe transaction you can dispute with your card issuer is the original deposit charge. All on-platform transactions are internal ledger movements governed exclusively by FMC's internal dispute process as described in Section 12. Initiating a chargeback or external dispute for an on-platform transaction is a material violation of these Terms and may result in account termination and collections action.
7.5 Subscription Fee Billing
Your subscription fee is automatically deducted from your FMC Available Balance on your billing date, fee-free. If your Available Balance is insufficient, FMC will charge your payment method on file via Stripe plus the Platform Fee as published in the FMC Fee Schedule.
7.6 Platform Restrictions on FMC Balance
FMC Balance may only be used for eligible FMC platform activity. Direct user-to-user transfers, spending FMC Balance outside the platform, ATM access, debit card use, and any off-platform use are strictly prohibited.
8. Fees
8.1 Platform Fee
A Platform Fee is assessed on all direct Stripe transactions as a platform service fee for access to and use of FMC's payment infrastructure and services. The current Platform Fee rate is published in the FMC Fee Schedule.
8.2 Finder's Fee
When a bounty is successfully claimed and completed, FMC assesses a Finder's Fee on the transaction. The Finder's Fee rate is determined by your subscription tier and is published in the FMC Fee Schedule. The Finder's Fee is assessed on the final agreed transaction amount. The Finder's Fee, bounty amount, shipping charge, and applicable sales tax are deducted from the Bounty Owner's FMC Available Balance at FINALIZE CLAIM. The Claimant receives the full agreed bounty amount and pays no fees.
8.3 Inactivity Fee
If you schedule a payout of funds that were deposited but never used on-platform, an Inactivity Fee will be assessed on the unused deposited amount. Deposited funds that have never been used on-platform are subject to a 30-day cooldown period from the deposit date before a payout may be scheduled. After the 30-day cooldown, if the funds remain unused, the Inactivity Fee applies at the time of payout scheduling. The current Inactivity Fee rate is published in the FMC Fee Schedule. Earned Claimant funds are never subject to the Inactivity Fee.
8.4 Wrong Item Return Fee
If a Claimant sends the wrong card and FMC rules in the Bounty Owner's favor, the full bounty amount, return shipping costs, and a Wrong Item Return Fee are clawed back from the Claimant's FMC Pending Balance. The fee is tiered by bounty value as published in the FMC Fee Schedule.
8.5 Bad-Faith Dispute Fee
If you file a dispute and FMC determines the dispute is invalid, a Bad-Faith Dispute Fee will be assessed. The current rate is published in the FMC Fee Schedule.
8.6 Non-Response Review Fee
When FMC is required to conduct a human condition review prior to forced acceptance due to the Bounty Owner's non-response to a qualifying claim, a Non-Response Review Fee is assessed to the Bounty Owner. This fee covers the cost of the manual review triggered by the Owner's inaction. The fee is 25% of the bounty amount, with a minimum of $20 and a maximum of $500.
8.7 Non-Response Fee (Inactive Account)
If a Bounty Owner's account is wholly inactive for the full claim response window and a claim is cancelled as a result, the Owner must acknowledge the cancellation upon return. First-time inactive non-response requires acknowledgment only. Second and subsequent inactive non-responses require acknowledgment and payment of the Non-Response Fee as published in the FMC Fee Schedule before account access is restored.
8.8 Abandoned Bounty Fee
If a Bounty Owner's account reaches the 30-day inactivity threshold, all active bounties are cancelled and an Abandoned Bounty Fee is assessed per cancelled bounty. The fee is tiered by bounty value as published in the FMC Fee Schedule.
8.9 Payoneer Payout Fee (Chinese Users)
Chinese users receiving payouts via Payoneer are subject to Payoneer payout fees as published in the FMC Fee Schedule.
8.10 Negative Balance Interest
If your FMC Balance falls below zero, your account will be locked immediately and interest will accrue on the negative balance at the rate published in the FMC Fee Schedule, compounding weekly, until the full negative balance including accrued interest is resolved.
8.11 Sales Tax
Sales tax is assessed on applicable transaction components based on your Jurisdiction Tax Profile. Chinese users acting as Bounty Owners are not subject to US sales tax.
8.12 Fee Assessment
Fees assessed at checkout - including the Finder's Fee, shipping charge, and applicable sales tax at FINALIZE CLAIM - require sufficient Available Balance to proceed. If your Available Balance is insufficient the transaction will not complete and you must deposit additional funds.
Fees assessed outside of a checkout moment - including the Inactivity Fee, Bad-Faith Dispute Fee, Wrong Item Return Fee, and negative balance interest - follow the fee enforcement waterfall: deducted from Available Balance first, then charged to your payment method on file via Stripe plus the Platform Fee, then recorded as a negative FMC Balance with account lock and weekly interest if the Stripe charge fails.
8.13 FMC Fee Schedule
The FMC Fee Schedule, published separately and incorporated into these Terms by reference, sets forth current fee rates, subscription pricing, and tier details. FMC may update the Fee Schedule from time to time with notice to users.
9. Payout Rules
9.1 30-Day Hold on Deposited Funds
All deposited funds are subject to a 30-day hold from the deposit date before they are eligible for payout. Funds are fully available for on-platform use during this period.
9.2 Earned Funds
Claimant proceeds are not subject to the 30-day hold or the Inactivity Fee. Once the 3-day inspection window expires with no valid dispute, funds move to Available Balance and are immediately eligible for payout.
9.3 Payout Schedule
You may select your preferred payout schedule: Weekly, Biweekly, Monthly, or Manual (7-day cooldown between payouts). The selection is yours to make in account settings.
9.4 Payout Reserve
You may set a Payout Reserve - a minimum FMC Balance amount to retain before any automated payout fires. The default is $0. Only funds above your Payout Reserve threshold are included in automated payouts.
9.5 US User Payouts
US users receive payouts via ACH to their linked bank account at no cost to the user.
9.6 Chinese User Payouts
Chinese users receive payouts via Payoneer to their linked Payoneer account, subject to the Payoneer Payout Fee published in the FMC Fee Schedule.
10. Subscriptions
10.1 Subscription Tiers
FMC offers multiple subscription tiers with varying features, active bounty limits, and Finder's Fee rates as published in the FMC Fee Schedule.
10.2 Billing
Subscription fees are billed monthly or annually as selected by you. Subscription fees are automatically deducted from your FMC Available Balance on your billing date. If insufficient, FMC will charge your payment method on file via Stripe plus the Platform Fee.
10.3 Cancellation
You may cancel your subscription at any time. Cancellation stops renewal at the next billing date. You retain your current tier and all associated features for the remainder of the paid period. At the end of that period your account reverts to the Free tier. No partial refunds are issued for unused subscription time.
10.4 FMC Balance Retention on Account Violation
FMC may retain funds in your FMC Balance where FMC determines your account was used in violation of these Terms. Retained funds may be applied to offset documented platform losses, dispute costs, clawed-back amounts, outstanding fees, or enforcement expenses. FMC will provide written notice specifying the amount retained, the reason, and how it will be applied. Any excess funds will be returned via your connected payout method. FMC must apply or release retained funds within 60 days of the account action that triggered the retention. You may dispute a retention through FMC's formal dispute process.
11. Claims, Proof of Possession, and Claim Flow
11.1 Claim Submission
By submitting a claim you represent and warrant that you are submitting in good faith, the card shown is the actual card relevant to the claim, the images and information you provide are authentic and unaltered, you have the right to submit the claim and any associated content, and all claim materials are accurate to the best of your knowledge.
11.2 Proof Code - Coining
FMC requires Claimants to use a platform-generated time-limited proof of possession code as part of the claim submission process. The proof code expires 10 minutes after generation and must be displayed in claim photos in the manner specified by FMC. This requirement is FMC's platform-enforced implementation of a widely recognized practice in the trading card hobby known as "coining" - where a seller demonstrates live possession of a specific card by photographing it alongside a unique identifying marker. FMC replaces the physical coin with a time-limited platform-generated code, making the verification tamper-resistant and time-stamped. Failure to include a valid, legible proof code will result in claim rejection.
11.3 Required Photos, Watermarking, and Cert Number Visibility
Claimants must provide clear photos of the card front and back, corners, surfaces, serial number where applicable, grading label where applicable, and at least one proof of possession photo showing the card together with the proof code.
All photos uploaded through the claim process are automatically watermarked by FMC with the FMC logo, the FindMyCard name, and the unique platform-generated proof of possession code tied to that specific claim. The watermark serves to protect Claimants from photo theft - a watermarked image is immediately identifiable as originating from a specific FMC claim and is useless for fraudulent listings elsewhere. Because the watermark eliminates the legitimate reason for hiding grading certification numbers, cert numbers must be clearly visible in all photos where the grading label is shown.
Watermarked photos are shown only to the Bounty Owner reviewing the claim. Claimants do not see the watermarked version of their own photos. FMC retains the original unwatermarked photos internally for dispute review and enforcement. If a watermarked photo appears off-platform, the proof of possession code embedded in the watermark ties it directly back to the specific claim and the Bounty Owner who had access to it.
By uploading photos through the claim process, you grant FMC an exclusive license to watermark, modify, and control distribution of those photos for the duration of the claim and any related dispute period. The Bounty Owner receives a limited, non-transferable, non-sublicensable right to view watermarked claim photos solely for the purpose of evaluating the claim. That right does not include any right to copy, share, download, publish, distribute, or otherwise use those photos outside the platform. Any unauthorized use of watermarked claim photos off-platform constitutes infringement of FMC's rights in addition to a material ToS violation.
Users are strictly prohibited from editing, obscuring, cropping, blurring, covering, or removing cert numbers, watermarks, or any identifying information from uploaded photos. Submitting altered or watermark-removed photos is a material ToS violation and grounds for immediate claim rejection, account suspension, and potential permanent ban.
11.4 Competitive Claim Pricing
Claimants may submit a claim at the full posted bounty amount or at a lower proposed amount. Submitting below the posted bounty amount creates a competitive dynamic where the Bounty Owner may choose among multiple qualifying claims based on condition, price, or both. The Finder's Fee is assessed on the final agreed transaction amount, not the original posted bounty amount.
Claimants who have submitted a claim against a bounty may not increase that same bounty. This restriction applies regardless of whether the claim was accepted, rejected, or released, and exists to prevent retaliatory or manipulative use of the bounty increase feature.
11.5 Multiple Claims on Non-Specific Bounties
For bounties that are not specific to a serial number or grading cert number, multiple Claimants may submit claims simultaneously. Each claim carries its own independent 5-day response clock from the time of submission. The Bounty Owner may review all pending claims side by side and accept the claim that best meets their needs. Once the Owner accepts one claim, all other pending Claimants are notified and released immediately. The Owner may not deliberately delay responding to a qualifying claim in hopes of receiving a more favorable offer. The 5-day forced acceptance rules apply independently to each pending claim.
For bounties that are specific to a serial number or grading cert number, only one claim may exist at a time. The bounty is locked upon claim submission and no further claims are accepted until the current claim is resolved.
11.6 Required Acceptance of Qualifying Claims; Forced Acceptance
A Bounty Owner may not arbitrarily refuse a claim that materially matches the bounty listing and complies with FMC's submission requirements. Where FMC determines a submitted claim materially matches the bounty and complies with all platform requirements, FMC has the authority to compel acceptance on the Bounty Owner's behalf, trigger the finalization process, and complete the transaction without further action from the Bounty Owner.
11.7 Claim Response Window and Forced Acceptance Rules
Upon receiving a claim, the Bounty Owner has 5 days to accept or reject the claim. FMC will send the Bounty Owner a daily notification throughout this period regardless of account activity.
Scenario 1 - Active but non-responsive: If FMC detects that the Bounty Owner is active on the platform but has not responded to the pending claim by the end of day 5, FMC will conduct a human condition review of the claim against the bounty's stated requirements. The cost of this review is covered by the Non-Response Review Fee assessed to the Bounty Owner. If the condition review confirms the claim meets requirements, forced acceptance executes automatically provided sufficient FMC Available Balance exists. If FMC Available Balance is insufficient, FMC will attempt to charge the Owner's payment method on file via Stripe plus the Platform Fee. If the Stripe charge succeeds, Available Balance is topped up and forced acceptance executes. If the Stripe charge fails, the bounty is cancelled, the claim is cancelled, the Claimant is released, and the Non-Response Review Fee is assessed to the Bounty Owner. FMC will not create a negative FMC Balance to complete a forced acceptance under any circumstances.
Scenario 2 - Wholly inactive: If FMC detects no platform activity whatsoever from the Bounty Owner for the full 5-day period, FMC will continue daily notifications through day 10. If the Owner remains wholly inactive through day 10, the claim will be cancelled, the Claimant will be notified and released, and the Owner's account will be locked. Upon returning, the Owner must acknowledge the cancellation and resolve any outstanding obligations before access is restored. First-time inactive non-response requires acknowledgment only with no fee. Second and subsequent inactive non-responses require acknowledgment and payment of the Non-Response Fee before access is restored.
11.8 Post-Forced-Acceptance Disputes
Following a forced acceptance, condition disputes are not permitted. FMC conducted an internal condition review before forcing acceptance. The Owner's right to contest condition expired with the response window.
Wrong card disputes are permitted within the 3-day inspection window only. If the physical card that arrives is demonstrably the wrong card - meaning it does not match what was shown in the claim photos - the Owner may file a dispute within 3 days of delivery confirmation with supporting photos and documentation. After the 3-day window no disputes of any kind are accepted.
If an Owner claims their account was accessed without authorization as the basis for disputing a forced acceptance, the Owner must provide a valid police report number from the jurisdiction where they reside. FMC may verify the report number before taking any action. Without a police report number the unauthorized access claim will not be considered. Any false or fabricated police report information is a material ToS violation and will be reported to law enforcement.
11.9 Account Hold
You may place your account on hold to pause new claim submissions against your bounties during a period when you are unavailable to respond. Account hold is subject to the following rules:
Account hold may not be activated while a claim is already pending on your account.
Account hold must be activated at least 48 hours before it takes effect.
Account hold has a maximum duration of 30 consecutive days per instance.
Account hold may not be used more than 3 times per calendar year.
FMC monitors hold usage for patterns of abuse. Repeated hold activations that coincide with claim submission dates may trigger a fraud review.
Claims submitted against your bounties while your account is on hold will be queued. The 5-day response clock does not begin until your hold ends. Claimants who submit during your hold period will be notified that your account is on hold and given the option to submit and wait or withdraw. If your hold expires and you do not return, the inactivity clock is backdated to the start of your hold period. Weekly and daily inactivity warnings are sent immediately upon hold expiration based on the backdated clock position.
11.10 Inactivity and Abandoned Bounties
Inactivity means zero activity of any kind within a logged-in account. Any login, browse, click, or platform interaction resets the inactivity clock.
FMC will send inactivity warnings on the following schedule: weekly warnings at days 14 and 21, and daily warnings from day 25 through day 29. On day 30, all active bounties are cancelled, an Abandoned Bounty Fee is assessed per cancelled bounty as published in the FMC Fee Schedule, deposits minus fees are returned to your Available Balance, all pending Claimants are notified and released, and you are notified of each cancellation.
The Abandoned Bounty Fee is tiered by bounty value as published in the FMC Fee Schedule and is deducted from the deposit being returned to your Available Balance.
11.11 Finalization
When the Bounty Owner clicks FINALIZE CLAIM, the complete transaction total is calculated based on the final agreed bounty amount, Finder's Fee, shipping charge, and applicable sales tax, and deducted from the Bounty Owner's FMC Available Balance in a single transaction.
12. Shipping, Insurance, and Exchange
12.1 Shipping Requirements by Value Tier
All shipments through the FMC platform are subject to the following requirements based on the accepted bounty amount:
Under $500: Standard shipping. Insurance is optional. Both carrier insurance and third-party insurance options are presented at checkout. A platform warning is displayed with carrier insurance options noting that carrier insurance for collectibles is unreliable and may not reflect true market value. The Owner assumes full risk of their insurance selection.
$500 to $999.99: Signature confirmation is required and automatically added to the shipping label. Insurance is optional with the same carrier warning displayed.
$1,000 to $119,999: Signature confirmation is required. Third-party insurance is required. Only third-party insurance options are presented. Carrier insurance is not offered as an option at this tier. Integrated third-party providers include Shipsurance, U-PIC, and Secursus up to $120,000 per shipment. The shipping label will not be generated until a third-party insurance policy is selected and bound.
$120,000 to $150,000: Signature confirmation is required. Cabrella insurance is required. Cabrella is the only integrated insurance option at this tier and provides coverage up to $150,000 per shipment based on declared sales value. The shipping label will not be generated until a Cabrella policy is selected and bound.
Above $150,000: Standard shipping is not permitted. The transaction must be completed via mandatory in-person exchange as described in Section 12.3.
12.2 Shipping Insurance Integration
Integrated third-party insurance providers are presented within the FMC shipping flow at label generation. Insurance costs are calculated automatically based on the declared bounty value and are deducted from the Owner's FMC Available Balance as part of the shipping transaction. Policy numbers and coverage details are stored against the claim record. All shipping damage claims must be filed directly with the carrier or insurance provider. Shipping damage is not a valid ground for a platform dispute.
12.3 Mandatory In-Person Exchange
For transactions where the accepted bounty amount exceeds $150,000, in-person exchange is mandatory. The exchange must take place at the Claimant's closest city or county police or sheriff's station during normal business hours. The Bounty Owner is responsible for traveling to the Claimant's location. The Claimant presents the card on site. The Bounty Owner inspects the card in person and makes an immediate accept or reject decision using FMC's standard claim response form completed in the platform on site. Both parties confirm the outcome in the platform before leaving.
There is no 3-day inspection window for in-person exchanges. The Owner evaluates the card in person and the decision is made at the time of exchange. If the Owner accepts, the transaction completes and funds are released immediately. If the Owner rejects, the standard rejection process applies and both parties return home. The Bad-Faith Dispute Fee applies to bad-faith on-site rejections as determined by FMC review.
In-person exchange is also available by mutual agreement for any transaction regardless of value. Both parties must confirm their agreement in the platform. FMC records the exchange agreement, no shipping label is generated, and the transaction completes upon both parties' confirmation in the platform at the time of exchange.
12.4 Delivery Confirmation and Inspection Window Trigger
For shipments without signature confirmation, the 3-day inspection window begins at the carrier's confirmed delivery timestamp. For shipments with signature confirmation, the 3-day inspection window begins at the actual signed delivery timestamp, not the first delivery attempt.
If a package requiring signature confirmation is held at a carrier facility following a failed delivery attempt, the Bounty Owner has 5 business days from the first delivery attempt to pick up and sign for the package. If the Owner fails to retrieve the package within 5 business days, the 3-day inspection window begins automatically regardless of whether the item was physically received. Once the inspection window expires under these circumstances, the transaction is final and the Claimant's funds are released.
12.5 Packaging and Unboxing Video Requirements
For transactions where the accepted bounty amount is $2,500 or more, the following video documentation is required:
Packaging video (Claimant): The Claimant must record a continuous, unedited video of the card being packaged for shipment. The shipping label must be generated before the video is recorded and must be clearly visible in the video. The video must show the card in the condition documented in the claim photos, the packaging process, and the label attached to the package. The video must be uploaded to the platform before the shipment is marked as ready. The label generation step precedes video recording to ensure the label and card are tied to the same recorded event.
Unboxing video (Bounty Owner): The Bounty Owner must record a continuous, unedited video of opening the received package from its sealed state. The video must show the exterior condition of the package, the opening process, and the card as it is removed from the packaging. The video must be uploaded to the platform within the 3-day inspection window. Filing a dispute at this value tier requires an uploaded unboxing video. Disputes filed without an unboxing video at this value tier may not be accepted.
For transactions under $2,500, packaging and unboxing videos are optional but strongly encouraged. FMC displays a disclaimer at both the shipping and delivery stages: recording your packaging and unboxing helps FMC resolve disputes in your favor. Without video evidence, dispute outcomes may not go in your favor and FMC's ability to adjudicate the dispute may be limited to available photo evidence only.
13. Disputes and Inspection Window
13.1 3-Day Inspection Window
Upon delivery confirmation of a claimed card, the Bounty Owner has 3 days to inspect the item and file a dispute if it does not match the accepted claim photos or listing description. This window is a hard cutoff. Disputes filed after the 3-day inspection window has expired will not be accepted under any circumstances. Once the window expires without a valid dispute, the Claimant's Pending Balance is released to Available Balance and the transaction is final. Shipping damage must be claimed with the shipping carrier and is not a valid platform dispute.
13.2 Valid Dispute Grounds
A dispute filed within the 3-day window must be based on a material discrepancy between the item received and the accepted claim photos. Valid dispute grounds include item not as described, wrong card received, or condition materially worse than shown in claim photos. For graded card claims, valid dispute grounds are limited to slab damage not visible in the claim photos, wrong card identity, wrong grade, or wrong grading company. Shipping damage is not a valid ground for a platform dispute and must be filed with the carrier or insurance provider.
13.3 Dispute Submission
To file a dispute, the Bounty Owner must upload photos of the item as received and provide a written explanation of the specific discrepancy. At the $2,500 and above tier, an unboxing video is required to file a dispute. FMC compares the dispute submission against the original claim photos on file. FMC's determination is final for purposes of the Service.
13.4 FMC's Closed-Loop Dispute Authority
FMC is the sole arbitrator of all on-platform disputes. The original deposit charge to your card is the only transaction that may be disputed with your card issuer. All on-platform transactions are governed exclusively by FMC's internal dispute process. By using the Service, you waive any right to seek a chargeback or external dispute resolution for on-platform transactions. Initiating a chargeback for an on-platform transaction constitutes a material violation of these Terms and may result in account termination and collections action.
13.5 Wrong Item Outcome
If FMC determines the Claimant sent the wrong card, the full bounty amount, return shipping costs, and the Wrong Item Return Fee are clawed back from the Claimant's Pending Balance. The Bounty Owner's Reserved Balance is released.
13.6 Bad-Faith Dispute Outcome
If FMC determines a dispute was filed in bad faith, a Bad-Faith Dispute Fee is assessed to the Bounty Owner and the Claimant's Pending Balance is released.
14. Chinese Users - Additional Terms
14.1 Alipay Deposits
Chinese users deposit funds via Alipay through Stripe's Alipay integration. Alipay is a single-use payment method - no recurring billing is supported. Chinese users on paid subscription plans must ensure sufficient FMC Balance is maintained to cover subscription charges on their billing date.
14.2 Payoneer Payouts
Chinese users receive payouts via Payoneer. A Payoneer account must be connected during onboarding. Payouts are processed in USD to your Payoneer account.
14.3 Currency Conversion
FMC Balance is denominated in USD. Alipay deposits made in CNY are converted to USD at Stripe's transaction exchange rate at the time of deposit. FMC does not assess an additional currency conversion fee.
14.4 Tax Treatment
Chinese users acting as Bounty Owners are not subject to US sales tax on FMC transactions. FMC is not required to collect Chinese VAT at current platform volume levels.
15. Data Collection and Comp Database
FMC collects and stores anonymized transaction data from all claim activity on the platform, including posted bounty amounts, Claimant proposed amounts, final accepted amounts, card identity details, condition information, grade information where applicable, and claim outcomes. This data is collected regardless of whether a claim results in a completed transaction.
This data serves two purposes: interest signals (how many Claimants submitted on a bounty, how quickly claims came in, how many Bounty Owners have posted for the same card) and value signals (proposed amounts, accepted amounts, condition-to-price relationships). Together these signals build a proprietary comp database and market intelligence resource for the platform and the hobby community.
All comp data is anonymized at the user level. Individual user identities are not associated with published comp data. By using the Service and submitting or receiving claims, you acknowledge and agree that your anonymized transaction data contributes to FMC's comp database and market intelligence systems. FMC may use this data to develop platform features, pricing tools, and market insights for users.
16. Limited User Communication
FMC's platform model does not provide open direct messaging between users. FMC may provide limited, controlled communication fields within specific workflows for transaction-related purposes only. FMC may monitor, review, retain, and evaluate content submitted through those fields for moderation, fraud prevention, support, dispute review, and enforcement purposes.
17. Identity Protection and Information Controls
FMC may limit what information is shown to other users during or after a listing, claim, review, or dispute process. FMC may withhold or redact user identities, standardize rejection reasons, restrict access to submitted evidence, and structure platform communications to reduce opportunities for retaliation, steering, collusion, or bias. You agree that FMC may make these information-control decisions in its sole discretion.
18. Disputes, Reviews, and FMC Decision Authority
FMC may review listings, claims, evidence, photos, videos, account activity, and related conduct for compliance, fraud prevention, safety, and dispute handling. FMC has no obligation to investigate every report or provide individualized reasoning for every moderation decision. FMC reserves the right to make platform decisions in its sole discretion. FMC's internal platform determinations are final as to use of the Service to the fullest extent permitted by law.
19. No Authentication or Grading Guarantee
FMC does not guarantee authenticity, provenance, condition, grade, desirability, market value, or collectability of any card, listing, or claim. Any platform review of photos, videos, descriptions, or evidence is for FMC's internal operational purposes only and does not constitute an authentication opinion, grading opinion, appraisal, certification, warranty, or professional advice.
20. User Content
20.1 Ownership
As between you and FMC, you retain ownership of the content you submit, subject to the rights you grant below.
20.2 License to FMC
By submitting any text, notes, images, photos, videos, claim materials, descriptions, or other content through the Service, you grant FMC a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, process, analyze, adapt, transmit, review, moderate, and use that content as necessary to operate, improve, secure, moderate, investigate, enforce, support, and administer the Service.
With respect to photos and videos uploaded through the claim process specifically, you grant FMC an exclusive license to watermark, modify, and control the distribution of those materials for the duration of the claim and any related dispute period. FMC's rights in watermarked claim photos and claim videos are enforceable as intellectual property rights in addition to ToS rights.
20.3 Your Responsibility
You are solely responsible for your User Content. You represent and warrant that you own or control all rights needed to submit it, it does not violate any law or third-party rights, and it is not fraudulent, defamatory, abusive, threatening, or harmful.
21. Prohibited Conduct
21.1 Off-Platform Circumvention
Move a transaction, negotiation, or exchange off-platform.
Post contact information or requests for outside contact.
Direct users to another marketplace, platform, or payment rail.
21.2 Fraud and Manipulation
Create fake listings or fake claims.
Submit misleading or altered evidence including altered photos or videos.
Use staged, borrowed, stock, stolen, or unrelated images or videos.
Create ghost accounts, multiple accounts, or ban evasion accounts.
Manipulate platform signals, metrics, disputes, or outcomes.
Misrepresent a card, serial number, cert number, ownership status, or account identity.
21.3 Photo, Video, and Watermark Abuse
Edit, obscure, crop, blur, cover, or remove cert numbers, watermarks, or identifying information from uploaded claim photos.
Share, distribute, publish, or use watermarked claim photos outside the platform.
Submit altered, edited, or watermark-removed photos through the claim process.
Submit edited or non-continuous videos as packaging or unboxing documentation.
21.4 Bounty Manipulation
Increase a bounty on a card against which you have previously submitted a claim, regardless of claim outcome.
Post near-duplicate bounties in bad faith to fragment demand or circumvent platform rules.
21.5 Payment and Enforcement Abuse
Initiate a chargeback or external dispute for an on-platform transaction.
Create a new account following a ban or termination without FMC's express written permission.
Deliberately delay responding to a qualifying claim in bad faith.
Reject a qualifying graded card claim on condition grounds.
21.6 Harmful Conduct
Harass, threaten, intimidate, or abuse another user or FMC personnel.
Submit hateful, unlawful, or exploitative content.
Interfere with FMC's operations, moderation, or enforcement.
22. Monitoring and Enforcement
FMC may investigate suspected violations and take any action it deems appropriate, including warning a user, removing content, rejecting or removing a claim or bounty, limiting functionality, withholding or retaining FMC Balance funds, suspending or terminating an account, preserving evidence, reporting conduct to payment providers or law enforcement, and taking legal action.
23. Suspension and Termination
FMC may suspend, restrict, or terminate your access to the Service at any time, with or without notice, if FMC believes you violated these Terms, created legal or operational risk, provided inaccurate or unverifiable account information, or if suspension or termination is otherwise necessary to protect the Service or comply with law. Termination does not affect rights or obligations related to outstanding FMC Balance, negative balances, fees owed, or pending disputes.
24. Service Modifications
FMC may add, remove, revise, suspend, or discontinue any feature, workflow, payment rule, claim requirement, fee rate, or operational process at any time. FMC will provide reasonable notice of material fee changes. FMC is not liable for any modification, suspension, or discontinuation of the Service.
25. Intellectual Property
The Service and all related intellectual property is owned by FMC or its licensors and is protected by applicable law. No right, title, or interest in the Service is transferred to you except the limited right to use the Service in accordance with these Terms.
26. Copyright Complaints
DMCA / Copyright Contact: [INSERT NAME OR DEPARTMENT]
Email: [INSERT EMAIL]
Mailing Address: [INSERT ADDRESS]
27. Third-Party Services
The Service relies on third-party providers including Stripe, Stripe Tax, Alipay, Payoneer, Shipsurance, U-PIC, Secursus, Cabrella, and other providers related to hosting, email, security, and analytics. FMC is not responsible for third-party systems, policies, downtime, or failures. Your use of third-party services may be subject to those providers' own terms.
28. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND TO THE MAXIMUM EXTENT PERMITTED BY LAW. FMC DISCLAIMS ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
29. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FMC AND ITS OFFICERS, OWNERS, AFFILIATES, EMPLOYEES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR COLLECTIBLE VALUE. FMC'S TOTAL LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID TO FMC IN THE TWELVE MONTHS PRECEDING THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100).
30. Indemnification
You agree to defend, indemnify, and hold harmless FMC and its officers, owners, affiliates, employees, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses arising out of your use of the Service, your User Content, your violation of these Terms, your violation of law, or your fraud, misrepresentation, or misconduct.
31. Governing Law and Venue
These Terms shall be governed by the laws of the State of [INSERT STATE]. Any dispute shall be brought exclusively in the state or federal courts located in [INSERT COUNTY, STATE], and you consent to personal jurisdiction and venue in those courts.
32. Changes to These Terms
FMC may update these Terms from time to time. FMC will provide notice of material changes by posting updated Terms on the Service, updating the Last Updated date, or by other reasonable means. Your continued use of the Service after updated Terms become effective constitutes acceptance of the revised Terms.
33. Miscellaneous
These Terms constitute the entire agreement between you and FMC regarding the Service. If any provision is held invalid or unenforceable, the remaining provisions remain in full force. FMC's failure to enforce any provision is not a waiver. You may not assign these Terms without FMC's prior written consent.
34. Contact Information
[INSERT LEGAL ENTITY NAME]
[INSERT MAILING ADDRESS]
[INSERT SUPPORT EMAIL]
[INSERT WEBSITE URL]