Terms of Service

1. Eligibility and authority

You must be able to form a legally binding contract under applicable law to use the Service. If you use the Service on behalf of a company or other entity, you represent that you have authority to bind that entity and references to "you" include the entity.

2. Changes

We may modify these Terms or the Service. We will post updated Terms on this page and update the "Last updated" date. If a change is material, we will provide additional notice or obtain consent where required by law. Your continued use after the effective date of changes constitutes acceptance of the revised Terms, except where prohibited by applicable consumer protection law.

3. Accounts and security

You must provide accurate registration information and keep it current. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly by email if you suspect unauthorized access. We may suspend or disable accounts that violate these Terms or present security risk.

4. Licence to use the Service

Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Service for your own lawful purposes. Except where open-source components apply under their own licences, we and our licensors retain all rights in the Service, including software, branding, text, graphics, and documentation.

5. User content

You may submit or generate content through the Service, including portfolio entries, images, notes, and configuration ("User Content"). You retain ownership of your User Content. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, process, adapt, publish, display, and distribute User Content solely as needed to operate, secure, improve, and promote the Service and to comply with law. You represent that you have all rights necessary to grant this licence and that your User Content does not violate third-party rights or applicable law.

6. Share links and public access

If you use features that generate links or tokens allowing others to view selected information, you understand that anyone with the link may be able to access the information you chose to expose, subject to our technical controls. You are solely responsible for what you share and for revoking or rotating links when appropriate. We are not responsible for third-party misuse of a link you distributed.

7. Acceptable use

You agree not to:

• use the Service in violation of any law or regulation;
• infringe intellectual property, privacy, publicity, or other rights of any person;
• upload malware, attempt unauthorized access, probe or bypass security, or interfere with the Service or its infrastructure;
• scrape, harvest, or automate access to the Service in a way that burdens systems or breaches technical limits, except through documented APIs we expressly permit;
• reverse engineer, decompile, or disassemble any part of the Service except to the limited extent expressly permitted by applicable law notwithstanding this restriction;
• use the Service to distribute spam, deceptive content, or unlawful threats or harassment; or
• misrepresent your identity or affiliation, or use another user's account without permission.

We may investigate violations and cooperate with law enforcement or regulators as required or permitted by law.

8. Subscriptions, fees, and payments

Certain features may be free; others may require payment. Paid plans, if offered, are billed through our payment processor (currently Stripe). By purchasing a subscription or paid feature, you authorize us and our processor to charge your payment method on a recurring basis where applicable. Taxes may apply based on your location.

Unless required otherwise by law or the specific offer terms presented at checkout, subscriptions renew automatically until you cancel through the mechanism we provide. If we change pricing, we will provide notice in accordance with applicable law before the change affects you.

Except where mandatory consumer protection law requires a refund, fees are generally non-refundable once the billing period has started. If you believe a charge is in error, contact us promptly.

9. Third-party services and data

The Service may integrate with or link to third-party websites, APIs, or data sources (for example, market data, reference catalogues, or news). Those third parties are not under our control. Their accuracy, availability, and practices are governed by their own terms and policies. Your dealings with third parties are solely between you and them.

10. Beta and experimental features

We may release features labelled as beta, preview, or experimental. They may be incomplete or unstable and may change or be withdrawn without notice.

11. Intellectual property complaints

If you believe content on the Service infringes your rights, contact us with sufficient detail for us to evaluate the claim. We may remove or disable content when appropriate under applicable law.

12. Disclaimers

To the maximum extent permitted by applicable law:

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

The Service helps you organize and view information about collectibles and related holdings. It is not investment, financial, tax, or legal advice. Market and reference data may be delayed, incomplete, or inaccurate. You are solely responsible for decisions you make based on information in or through the Service.

Some jurisdictions do not allow certain disclaimers. If consumer protection laws in your province, territory, or country imply warranties or conditions that cannot be excluded, those laws apply to the extent required.

13. Limitation of liability

To the maximum extent permitted by applicable law:

In no event will we, our affiliates, directors, employees, or suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, data, or business opportunities, arising out of or related to your use of the Service or these Terms, even if we have been advised of the possibility of such damages.

Our aggregate liability for any claim arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amounts you paid us for the Service in the twelve (12) months before the event giving rise to liability, or (b) one hundred Canadian dollars (CAD $100), if you paid nothing during that period. If your local currency is not Canadian dollars, the cap in (b) is that CAD amount (or its reasonable equivalent in your billing or local currency, assessed at the time of the claim).

The limitations in this section do not apply where prohibited by law, including liability for gross negligence, fraud, or wilful misconduct, or death or personal injury caused by negligence, to the extent those liabilities cannot be limited under applicable law. In Québec and other jurisdictions where statutory consumer remedies cannot be waived, you may have additional rights.

14. Indemnity

To the extent permitted by law, you will defend, indemnify, and hold harmless StackerTracker and its affiliates, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of your User Content, your use of the Service, your violation of these Terms, or your violation of third-party rights.

15. Suspension and termination

You may stop using the Service at any time. We may suspend or terminate access to the Service, with or without notice, if we reasonably believe you violated these Terms, present a security risk, or if we discontinue the Service or your plan. Provisions that by their nature should survive (including intellectual property, disclaimers, limitations, indemnity, governing law, and dispute resolution) will survive termination.

16. Governing law and disputes

These Terms are governed by the laws of Canada, without regard to conflict-of-law rules that would apply another jurisdiction's laws to your detriment as a consumer. You and we agree that the courts of Canada have non-exclusive jurisdiction over disputes arising from these Terms or the Service. If you live outside Canada, courts in your home country may also have jurisdiction where applicable law requires it or allows you to bring a claim there; nothing in these Terms limits non-waivable rights you have under the laws of your country, province, state, or territory (including mandatory venue or consumer protection rules).

If you reside in Québec, the Consumer Protection Act (Québec) may grant rights that cannot be waived by contract; where there is a conflict between these Terms and non-waivable Québec consumer law, that law prevails to the extent of the conflict.

17. General

• Assignment. You may not assign or transfer these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
• Entire agreement. These Terms and any policies referenced in them (including the Privacy Policy) constitute the entire agreement between you and us regarding the Service.
• Severability. If a provision is invalid or unenforceable, the remaining provisions remain in effect.
• No waiver. Failure to enforce a provision is not a waiver of our right to enforce it later.
• Language. These Terms are provided in English. If we provide a translation, the English version controls to the extent permitted by law.

18. Privacy

Our Privacy Policy explains how we collect, use, and disclose personal information for all users, with additional notes for specific regions where helpful.

19. Contact

For questions about these Terms, please reach out to us by email.