Terms of service

Last updated: December 2025

Welcome to Library of Cards (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms of Service”) govern your access to and use of our store and website, including all related information, content, features, tools, products, and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of our Services.

Table of Contents

Use of the Services
Purchases and Payment
Shipping Policy & Return Policy
User Content
Intellectual Property and Ownership
DMCA Notice
Shopify Platform and Third-Party Services
Modifications and Interruptions
Terms and Termination
Governing Law
Dispute Resolution – Binding Arbitration
Disclaimer
Limitation of Liability
Changes to These Terms
Contact Us

1. Use of the Services

You must be at least 18 years old (or have parental consent) to use our Services. You agree not to use the Services for any unlawful purpose or in any way that could harm, disable, or interfere with the proper functioning of the Services.

2. Purchases and Payment

All purchases made through our website are considered final once submitted, except as otherwise expressly provided in our Shipping Policy & Return Policy.

We currently accept payment through Shopify Payments, which supports major credit and debit cards, including Visa, Mastercard, American Express, and Discover, as well as other payment methods that may be made available at checkout (such as Apple Pay, Google Pay, or Shop Pay).
Available payment methods may vary based on your location and browser.

All prices are listed in U.S. dollars and are exclusive of applicable taxes and shipping charges, which will be calculated at checkout.

By placing an order, you agree that you are responsible for ensuring all information provided is accurate and complete, and that you have reviewed and that you agree to our Shipping Policy & Return Policy prior to purchase.

Prices, products, and availability are subject to change without notice.

3. Shipping Policy & Return Policy

See here for our Shipping Policy. See here for our Return Policy.

4. User Content

If you submit or upload content (e.g., comments, reviews, photos), you grant Library of Cards a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such content for marketing and promotional purposes. You represent that you own or have permission to share such content and that it does not violate any third-party rights.

5. Intellectual Property and Ownership

All content and materials—including without limitation images, photographs, text, descriptions, visual interfaces, graphics, logos, trademarks and service marks, audio and video clips, information, data, product names, and computer code—provided by us or generated through the Services (collectively, “Content”) and all related intellectual property rights are the property of Library of Cards, our third-party licensors, and/or the respective owners of such rights. The Content is protected by U.S. and international intellectual property laws and treaties.

Our Services may also display certain intellectual property, such as company, product, and service names and logos, that is owned by third parties (“Third-Party Intellectual Property”). Use of such marks does not imply any affiliation with, endorsement by, or sponsorship of Library of Cards by those third parties. Nothing in these Terms of Service or in the Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivative works from, or transmit in any form (including in-line linking or mirroring) any Third-Party Intellectual Property.

You are permitted to access and use the Content only in connection with your personal, noncommercial use of the Services. Except as expressly permitted in these Terms of Service, you may not copy, modify, sell, reproduce, distribute, republish, display, post, perform, create derivative or collective works from, download (other than page caching), store, transmit, “mirror,” “frame,” or in-line link to the Content, in whole or in part, without our express prior written consent and, where applicable, the consent of the rights holder.

You may not:

(a) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying ideas or algorithms of any portion of the Services;
(b) bypass, remove, or circumvent any security or technological measures;
(c) use any data mining, scraping, spiders, robots, or similar data-gathering or extraction tools; or
(d) use the Services or Content for any commercial purpose without our express prior written consent.

Nothing in these Terms of Service or in the Services grants you, by implication, estoppel, or otherwise, any license or right to use the Content except as expressly stated herein.

6. DMCA Notice

You may not use our Services in any manner that infringes the rights of any third party. If you believe, in good faith, that any of our Content infringes your copyrights, you may send a notice of infringement (“Notice”) under the federal Digital Millennium Copyright Act (“DMCA”) by email or regular mail to:

2705 Webster St #5338

Berkeley, CA 94705

legal@libraryofcards.com

To find out more about what you must include in the Notice and about the procedures we will follow, click here to read the DMCA.

Library of Cards reserves the right to block or otherwise prohibit in our sole discretion any individual who repeatedly posts materials that are alleged to infringe the intellectual property rights of others.

7. Shopify Platform and Third-Party Services

Our store is hosted on Shopify Inc. They provide the e-commerce platform that enables us to sell products and services.
Your use of our Services is also subject to Shopify’s Terms and Privacy Policy:

8. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice.

We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We are not liable for any modification, suspension, or discontinuance of the Services, nor for any resulting data loss.

9. Terms and Termination

These Terms of Service shall remain in full force and effect while you use the Services.
We reserve the right, in our sole discretion, to deny access to or terminate your use of the Services for any reason, including breach of these Terms of Service.

10. Governing Law

These Terms of Service and your use of the Services are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

11. Dispute Resolution

Informal Resolution.
Before initiating any formal dispute process, you agree to first contact Library of Cards with any concerns or disputes by emailing a detailed description of the issue to legal@libraryofcards.com. Following delivery of your submission, you agree to allow Library of Cards up to sixty (60) days to provide a substantive response and to attempt in good faith to resolve the dispute informally.

Binding Arbitration.
If the dispute cannot be resolved during this informal resolution period, either party may commence arbitration as set forth below. In the interest of resolving disputes between you and Library of Cards efficiently and cost-effectively, you and Library of Cards agree that any and all disputes arising out of or relating to these Terms of Service or your use of the Services will be resolved through binding arbitration conducted in Alameda County, California, in accordance with the Consumer Arbitration Rules of the American Arbitration Association (AAA). You and Library of Cards further agree that the Federal Arbitration Act (FAA) governs the interpretation and enforcement of this arbitration provision, and that the arbitrator shall apply California law to all other matters.

Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. All issues are for the arbitrator to decide, including all claims arising out of or relating to any aspect of these Terms of Service, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after termination of the Terms of Service. The arbitrator also has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS OF SERVICE AND AGREEING TO ARBITRATION, YOU AND LIBRARY OF CARDS ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

11.1 Exceptions

Despite the provisions above, you and we both agree that nothing in these Terms of Service will be deemed to waive, preclude, or otherwise limit the right of either of us to:
(a) bring an individual action in small-claims court within its jurisdictional limits, even after filing an arbitration;
(b) file a complaint with an applicable federal, state, or local agency if that action is available;
(c) seek injunctive relief in a court of law in aid of a pending arbitration; or
(d) file a suit in a court of law solely for injunctive relief to stop unauthorized use or abuse of our Services or to address an intellectual-property infringement claim.

11.2 Arbitrator

Any arbitration between you and Library of Cards will be administered by the AAA under its Consumer Arbitration Rules, as modified by these Terms of Service. The AAA Rules and forms are available online at www.adr.org or by calling 1-800-778-7879.

11.3 Notice and Process

A party who intends to seek arbitration must first send a written notice of the dispute (“Notice”) by certified mail to:

Library of Cards
Attn: Arbitration Notice, ZenBusiness Inc.
2520 Venture Oaks Way Suite 120
Sacramento, CA 95833
Email: legal@libraryofcards.com

The Notice must (a) describe the nature and basis of the claim or dispute and (b) set forth the specific relief sought (“Demand”). You and Library of Cards agree to use good-faith efforts to resolve the claim directly, but if we do not reach an agreement within 30 days after the Notice is received, either party may commence an arbitration proceeding.

The arbitration proceedings, including any exchanged materials, shall be confidential, and you and Library of Cards agree to use reasonable efforts to streamline the proceedings, including discovery, consistent with efficient dispute resolution.

11.4 Fees

If you commence arbitration in accordance with these Terms of Service, Library of Cards will reimburse you for your payment of the filing fee, unless your claim is for more than $3,000 or the arbitrator determines that your claim is frivolous or brought for an improper purpose (as measured by Federal Rule of Civil Procedure 11(b)).

If the arbitrator finds that either the substance of the claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse Library of Cards for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules.

Any arbitration hearing will take place at a location to be agreed upon, but if the claim is for $10,000 or less, or as otherwise required, you may choose whether the arbitration will be conducted:
(a) solely on the basis of documents submitted to the arbitrator;
(b) through a non-appearance-based telephone hearing; or
(c) by an in-person hearing as established by the AAA Rules in the county of your billing address.

You and Library of Cards agree to participate in any required administrative conferences with the AAA. If a party fails to appear at an administrative conference, regardless of whether counsel attends, the AAA may administratively close the arbitration proceeding without prejudice, unless that party shows good cause for the failure to attend.

Regardless of how the arbitration is conducted, the arbitrator must issue a reasoned written decision explaining the essential findings and conclusions on which any award is based. The decision of the arbitrator shall be final and binding, and judgment on the arbitration award may be entered in any court having jurisdiction.

11.5 No Class Actions

YOU AND LIBRARY OF CARDS AGREE THAT EACH MUST BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Unless you and Library of Cards agree otherwise, the arbitrator may not consolidate more than one person’s claims or preside over any representative or class proceeding.

11.6 Modifications

If Library of Cards makes any future change to this arbitration provision (other than a change to the address for Notice), you may reject the change by sending us written notice within 30 days of the change to the address listed above. In that case, your account or relationship with Library of Cards will be immediately terminated, but this arbitration provision, as in effect immediately prior to your rejection, will survive.

11.7 Enforceability

If any provision of this Section 11 is found unlawful, void, or unenforceable for any reason, that provision will be given effect to the greatest extent possible, and the remaining provisions will remain in full force and effect.

12. Disclaimer

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES’ CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES, AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY:
(1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS;
(2) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES;
(3) UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN;
(4) INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES;
(5) BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY; AND/OR
(6) ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES.

WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDER.

AS WITH ANY PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

13. Limitation of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF ACTION WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US.

CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, OUR TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

14. Changes to These Terms

We may update or modify these Terms of Service at any time at our sole discretion. The updated version will be posted on our website with a new “Last Updated” date. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms of Service.

15. Contact Us

If you have any questions or concerns about these Terms of Service, please contact us at: legal@libraryofcards.com.