Terms & Conditions

These Terms & Conditions (the “Terms”) govern your access to and use of the Rip & Hold website at ripandhold.comand the Rip & Hold application at app.ripandhold.com, together with all related pages, tools, features, and content (collectively, the “Service”). The Service is provided by Rip & Hold LLC(“Rip & Hold,” “we,” “us,” or “our”).

By accessing or using the Service, creating an account, or purchasing a subscription, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

Rip & Hold is a Pokémon trading-card research and portfolio-planning platform. The Service provides market data, price history, market indexes, watchlists, portfolio tracking, and discovery tools to help collectors organize and research their collections.

The Service is not a marketplace, exchange, broker, dealer, escrow agent, payment intermediary, or grading/authentication service. Rip & Hold does not buy, sell, broker, inspect, ship, authenticate, grade, or take custody of trading cards, and we are not a party to any transaction you may enter into outside the Service.

Rip & Hold is an independent product. It is not affiliated with, endorsed by, sponsored by, or associated with The Pokémon Company, Nintendo, Game Freak, Creatures Inc., or any trading-card grading company, marketplace, or data provider referenced within the Service.

You must be at least 13 years old to use the Service, and at least 18 years old (or the age of majority in your jurisdiction) to purchase a paid subscription. By using the Service, you represent that you meet these requirements and that you have the legal capacity to enter into these Terms.

Some features require an account. Authentication and account management are provided through our identity provider, Clerk. You are responsible for:

• providing accurate and complete account information;
• maintaining the security and confidentiality of your login credentials; and
• all activity that occurs under your account.

Notify us promptly at contact@ripandhold.com if you suspect unauthorized use of your account. We are not liable for any loss arising from unauthorized use of your account.

Rip & Hold offers a free tier and a paid subscription (“Rip & Hold PRO”). Paid subscriptions are processed by our payment provider, Stripe. By purchasing a subscription, you authorize us and Stripe to charge your payment method according to the plan you select.

Recurring charges and renewal

Subscriptions are billed on a recurring basis (for example, monthly or annually) and renew automatically at the then-current price until cancelled. Prices, plan features, and billing intervals are described on our Pricing page and may change as described in Section 17.

Cancellation

You may cancel your subscription at any time. Open your account pageand use the billing-management link, which takes you to our payment processor’s secure portal, where you can cancel, update your payment method, and view invoices. Cancellation takes effect at the end of your current billing period, and you will retain PRO access until then. We do not provide partial-period refunds except where required by law.

Refunds

Except where required by applicable law or expressly stated otherwise, all fees are non-refundable. If you believe you were billed in error, contact us at contact@ripandhold.com.

Promotional codes and failed payments

We may offer promotional codes or discounts, which are subject to their own terms and may be changed or withdrawn at any time. If a payment fails, we (through Stripe) retry the charge over a short period. Your PRO access continues during those retries so a temporary card problem does not interrupt your subscription. If payment still has not succeeded shortly after your billing period ends, PRO access is downgraded until it does.

Taxes

Fees are exclusive of taxes. You are responsible for any applicable sales, use, value-added, or similar taxes on your subscription; where we are required to collect them, they will be shown at checkout.

Rip & Hold is for research and informational purposes only. Nothing on the Service constitutes financial, investment, tax, legal, or other professional advice, or a recommendation to buy, sell, or hold any item.

Trading cards are collectibles, not securities or regulated financial instruments. Their values are volatile, illiquid, and may go down as well as up. Market data, indexes, estimated values, and analytics are provided “as is” as one input among many. Any decision you make based on the Service is made solely at your own risk, and you are responsible for your own due diligence. Past performance is not indicative of future results.

Portfolio values, index calculations, grading-related figures, and the Rip & Hold signal are estimates for research only and are not offers, appraisals, or guarantees. For a fuller explanation of these limitations, see our Financial & Market-Data Disclaimer.

Catalog, image, and market data are aggregated from third-party sources — including TCGdex (card catalog, set metadata, and imagery) and ScryDex (market prices, graded prices, comparable sales, and population data) — together with other publicly available marketplace information. Prices, populations, comparable sales, and historical figures are estimates that may be delayed, incomplete, or inaccurate, and may be revised or removed as upstream sources change.

We do not guarantee the accuracy, completeness, timeliness, or availability of any data on the Service, and we are not responsible for errors or omissions in third-party data. The Service may be unavailable, modified, or discontinued at any time.

You agree not to:

• scrape, crawl, harvest, or systematically extract data from the Service except through functionality we expressly provide;
• resell, sublicense, or commercially exploit the Service or its data without our written permission;
• circumvent, disable, or interfere with security, rate-limiting, access controls, or subscription gating;
• reverse engineer, decompile, or attempt to derive source code, except to the extent permitted by law;
• upload malware, attempt to gain unauthorized access, or disrupt the integrity or performance of the Service; or
• use the Service to violate any applicable law or the rights of others.

You may submit or save content through the Service, including portfolio entries, watchlists, saved portfolios, investment theses, profile usernames, profile bios, notes, and other materials (“User Content”). You are responsible for your User Content and must have all rights needed to submit it.

You retain ownership of your User Content. You grant Rip & Hold LLC a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, format, transmit, and otherwise use your User Content as needed to operate, secure, improve, and provide the Service. For User Content you choose to make public, such as public theses or a public profile, this license also allows us to display and distribute that content within the Service and related promotional or discovery surfaces.

You agree not to submit User Content that is unlawful, infringing, misleading, defamatory, harassing, abusive, obscene, or otherwise violates these Terms or the rights of others. We may remove, limit, or modify the display of User Content or account identifiers if we believe they violate these Terms, create legal risk, or may harm the Service or other users.

“Public” means public to the open internet.Content you mark public — a public profile, a public thesis, a published community index and its holdings — is readable by anyone, including people who are not signed in and who do not have a Rip & Hold account. Public profiles are also indexed by search engines and may be shown with a preview image when a link to them is shared. If you would rather your activity not be visible this way, keep your profile and your content private.

Community & public-content standards

When you publish public content — a public thesis, a published community index, or a public profile — it appears to other users with your account name and a link to your profile. Keep it lawful, non-infringing, non-misleading, and respectful of others; do not impersonate anyone or post spam. Public performance figures and “track record” statistics are informational summaries generated from your public activity — they are not a representation of investment skill and do not predict future results. We may remove or limit public content or identifiers that we believe violate these Terms or create risk.

Published investment calls work differently, on purpose. A track record is only meaningful if entries cannot be rewritten after the fact, so once you publish a call its substance — the card, the position, the entry price, and whether it counts toward your track record — is locked. You can always make a published call private, so it is no longer shown to others, or retire it to close it out; you cannot edit those details or delete the record of it while it stands. Other content you create (for example holdings, watchlist entries, portfolios, and unpublished drafts) can be edited or deleted at any time.

The Service includes optional gameplay features: research challenges that award experience points (“XP”), collector levels and titles earned with XP, public leaderboards, and periodic competitions in which you select cards and are ranked against other participants.

XP, levels, and awards have no monetary value

XP, levels, titles, badges, ranks, and placements are display features of the Service only. They are not money, credit, tokens, securities, or property; they have no cash value; they cannot be redeemed, exchanged, transferred, sold, or withdrawn; and they confer no ownership rights. They may be adjusted, recalculated, reset, or removed — including when we correct market data, fix a scoring error, or address abuse.

Competitions

Competitions are free to enter for eligible account holders, require no purchase, and a purchase or subscription does not improve your chances. We do not award prizesof cash or other value for placing in a competition: placement is reflected in your public track record and standings only. Each competition has an entry window and a lock time stated in the Service; after the lock, entries cannot be changed. Results are calculated from the same market data that powers the rest of the Service, which is subject to Section 7 (Market data & accuracy).

Fair play

Do not use multiple or automated accounts, scripts, or any other method to enter more than once, inflate XP, or manipulate standings. We may void entries, remove XP or placements, exclude a participant, or cancel or reschedule a competition where we believe there has been abuse, a technical fault, or a material data error.

Public ranking

Leaderboards and competition standings are public and rank participants using performance figures derived from public activity. Participation is optional. If you hide your profile on your account page, your profile link and picture are not shown alongside your entries; a display name may still appear so that standings remain legible. Rankings are informational summaries — they are not a representation of investment skill and do not predict future results (see Section 6).

The Service, including its design, original text, compiled data sets, indexes, and the Rip & Hold name and logo, is owned by Rip & Hold LLC and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial use in accordance with these Terms. All rights not expressly granted are reserved.

Pokémon and all related names, characters, card images, set names, and logos are trademarks and copyrights of their respective owners, including The Pokémon Company, Nintendo, Game Freak, and Creatures Inc. Such material is used on the Service for identification, reference, and research purposes only. We claim no ownership of these marks or of any card artwork.

The Service may link to or integrate third-party services (such as Clerk, Stripe, and data providers). We are not responsible for the content, policies, or practices of third parties, and your use of those services may be subject to their own terms.

The Service may also link out to third-party marketplaces (for example, a “Buy on TCGplayer” link). These links are provided for convenience, are not endorsements, and are governed by the destination’s own terms and policies. We are not a party to any purchase or sale you make there and, unless we state otherwise on the Service, we do not earn a commission on those links.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE OR ITS DATA WILL BE ACCURATE, UNINTERRUPTED, OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RIP & HOLD LLC AND ITS OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR INVESTMENT VALUE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR (B) USD $100.

You agree to indemnify and hold harmless Rip & Hold LLC and its officers, employees, and suppliers from any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your use of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.

We may suspend or terminate your access to the Service at any time, with or without notice, if we believe you have violated these Terms or to protect the Service. Sections that by their nature should survive termination (including user content licenses, intellectual property, disclaimers, limitation of liability, indemnification, and governing law) will survive.

You may stop using the Service at any time. To close your account and have your personal information deleted, send a request from your account page, which opens an email to contact@ripandhold.com, or write to us directly. We action deletion requests as described in the Privacy Policy.

Cancel any active subscription first. Deletion is blocked while a subscription can still renew — the request will not complete until the subscription is cancelled through the billing portal as described in Section 5. Cancelling and closing your account are two separate actions, and cancelling alone does not delete your data.

We may modify the Service or these Terms at any time. If we make material changes, we will update the “Last updated” date above and, where appropriate, provide additional notice. Changes are effective when posted. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the state and federal courts located in Wilmington, Delaware, and you consent to personal jurisdiction and venue there. Nothing in this section limits any non-waivable rights you may have under the mandatory laws of your country of residence.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver of our right to enforce it later. You may not assign or transfer these Terms without our prior written consent, but we may assign or transfer them in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law.

These Terms, together with any policies or additional terms referenced here, are the entire agreement between you and Rip & Hold regarding the Service and supersede any prior or contemporaneous understandings about the Service.

We may offer features on a beta or experimental basis, and may enable them for some users only. Beta features are provided “as is,” may be changed or removed at any time, and may be less reliable than generally available features. Any roadmap items we describe (such as a mobile app or additional trading-card regions) are goals, not commitments — they may change, be delayed, or never ship.

Questions about these Terms? Contact us at contact@ripandhold.com.

Rip & Hold LLC · ripandhold.com