Terms of Service
Effective November 1, 2026
These Terms of Service ("Terms") are an agreement between you and Valley Chase, LLC, a Minnesota limited liability company ("Valley Chase," "we," "us"), covering the Card Biscuit app, website and related services (the "Service"). By downloading, opening or using the Service, you agree to these Terms. If you don't agree, don't use the Service.
1. Who can use Card Biscuit
You must be at least 13 years old. If you're under 18, a parent or guardian must agree to these Terms on your behalf and is responsible for your use, including any purchases. You may not use the Service if you're barred from doing so under applicable law.
2. What Card Biscuit is, and what it isn't
- Estimates only. "The Biscuit" and every other value, range, offer, verdict ("buy," "counter," "pass"), grading estimate and "similar card" price are automated estimates generated from third-party public sales data and software analysis. They are not appraisals, guarantees, offers to buy or sell, or statements of a card's actual value.
- It can be wrong. Card identification may be wrong (player, year, set, parallel, print run, grade or authenticity). Sales data may be incomplete, delayed, mislabeled, manipulated (for example shill bidding), or include sales that weren't completed. Estimates for cards with few or no sales are based on other cards and may differ widely from what your card would actually sell for.
- Not advice. The Service is for general informational purposes. It is not financial, investment, tax, legal or professional appraisal advice, and no fiduciary or advisory relationship is created. Trading cards are speculative and their values can go down as well as up.
- Your decisions are yours. You alone are responsible for any decision to buy, sell, trade, grade, insure, hold or price any item, and for verifying any information before acting on it. Always use your own judgment and, where it matters, a qualified professional.
- No authentication. The Service does not authenticate cards or detect counterfeits, alterations or trimming.
3. Third-party data and trademarks
Sales information comes from third-party sources (such as public listings on marketplaces) and service providers. We don't control that data and don't guarantee its accuracy, completeness or availability. Links to third-party sites (such as eBay listings) are provided for convenience; we're not responsible for their content or practices.
Card Biscuit is not affiliated with, endorsed by or sponsored by eBay, Fanatics, PSA, Beckett, SGC, CGC, Panini, Topps, Upper Deck, The Pokémon Company, any league or players' association, or any card maker, grader or marketplace. Their names, and the names and images of players and cards, are used only to identify cards and sales. Sale photos shown in the Service belong to their owners and are shown to identify the sale.
4. Your use of the Service
We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the Service for your own lawful use, subject to these Terms. You agree not to:
- scrape, crawl, copy, resell, redistribute or build a database or competing product from the Service or its data;
- use bots or automated means to access the Service, or overload, disrupt or try to bypass its limits or security;
- reverse engineer the Service except where the law expressly allows it;
- use the Service to defraud anyone, misrepresent a card's value or identity to another person, or break any law;
- upload anything unlawful, infringing, or that you don't have the right to share.
We may limit, suspend or end your access at any time if we believe you've violated these Terms or to protect the Service or others.
5. Photos, voice and what you send us
When you scan, type or say a card, the photo, text or transcribed words are processed to identify the card and find sales, as described in our Privacy Policy. You keep ownership of your photos. You give us a limited license to process what you send in order to provide and improve the Service. If you send us feedback or suggestions (including "Price look off?" reports), you agree we may use them freely without any obligation to you.
6. Subscriptions and purchases
- Some features require a paid subscription: Biscuit Pro or Biscuit Ultra, monthly or yearly. Photo scans are capped each month on each plan (shown in the app). Prices and what's included are shown in the app before you buy.
- In the iPhone app, purchases are made through your Apple ID and are handled by Apple. Subscriptions renew automatically at the same price and period unless you turn off auto-renew at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
- You can manage or cancel anytime in your Apple ID settings (Settings → your name → Subscriptions). Canceling stops future renewals; you keep access until the end of the period you paid for.
- Refunds for App Store purchases are handled by Apple under Apple's policies. Except where required by law, we don't give refunds or credits for partial periods.
- Any unused part of a free trial is forfeited when you buy a subscription. Daily lookup limits, plan features and prices may change; we'll give notice of price changes as Apple and the law require.
- Free features, limits and estimates are provided as a courtesy and may change or end at any time.
7. Our property
The Service, including its software, design, name, logos, the "Biscuit" mark, text and compilations of data, is owned by Valley Chase or its licensors and protected by law. These Terms don't give you any rights to our trademarks or content except the limited license above.
8. Disclaimer of warranties
The Service and all information in it are provided "as is" and "as available," with all faults and without warranties of any kind, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness or that the Service will be uninterrupted, error-free or secure. You use the Service at your own risk.
9. Limitation of liability
To the fullest extent permitted by law, Valley Chase and its owners, members, employees, contractors and service providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, savings, data, goodwill or business opportunity, or any losses from buying, selling, trading, grading, insuring or valuing any item, arising from or related to the Service or these Terms, even if advised of the possibility of such damages.
Our total liability for all claims arising from or related to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the 12 months before the claim arose, or (b) fifty U.S. dollars ($50).
Some places don't allow certain limits on liability, so some of these limits may not apply to you. In that case our liability is limited to the smallest amount the law allows.
10. Indemnity
You agree to defend, indemnify and hold harmless Valley Chase and its owners, members, employees and contractors from any claims, losses, damages and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms or the law, or any transaction you make with another person, including any representation you make about a card's value or identity.
11. Disputes: arbitration and class action waiver
Please read this section carefully. It affects your legal rights.
- Talk to us first. Before filing any claim, email jordan@valleychase.com with a description of the problem. We'll try to resolve it informally within 60 days.
- Binding individual arbitration. If we can't resolve it, you and Valley Chase agree that any dispute arising from or relating to the Service or these Terms will be resolved by binding arbitration on an individual basis, administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration may be held by video or phone, or in Nicollet County, Minnesota. The arbitrator may award the same individual relief a court could.
- Exceptions. Either of us may bring an individual claim in small claims court if it qualifies, and either of us may seek a court order to stop infringement or misuse of intellectual property.
- No class actions. You and Valley Chase agree that claims may be brought only in an individual capacity, not as a plaintiff or class member in any class, collective or representative proceeding, and that there will be no jury trial.
- Opt out. You may opt out of this arbitration agreement by emailing jordan@valleychase.com within 30 days of first accepting these Terms, with your name and a clear statement that you opt out.
- If any part of this section is found unenforceable, the rest still applies, except that if the class action waiver is found unenforceable for a claim, that claim will go to court, not arbitration.
12. Governing law and venue
These Terms are governed by the laws of the State of Minnesota and applicable U.S. federal law, without regard to conflict-of-law rules. Subject to Section 11, any court case will be brought only in the state or federal courts located in Minnesota, and you consent to their jurisdiction.
13. Apple App Store terms
If you got the app from Apple's App Store: these Terms are between you and Valley Chase only, not Apple. Apple isn't responsible for the app or its content, has no obligation to provide maintenance or support, and, to the maximum extent the law allows, has no other warranty obligation for the app. If the app fails to meet an applicable warranty, you may notify Apple and Apple may refund the purchase price, if any. Apple isn't responsible for any claims relating to the app, including product liability, failure to meet legal or regulatory requirements, consumer protection, or intellectual property claims. You confirm you aren't located in a country subject to a U.S. embargo or on a U.S. prohibited-party list. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Your use must also follow Apple's Usage Rules.
14. Changes and ending
We may change the Service or these Terms. If we make material changes, we'll update the date above and, where appropriate, tell you in the app. Continuing to use the Service after changes means you accept them. You can stop using the Service at any time by deleting the app. Sections that by their nature should survive (including 2, 3, 7 through 12 and 15) survive termination.
15. General
These Terms and our Privacy Policy are the entire agreement between you and us about the Service. If any part is unenforceable, the rest stays in effect. Our failure to enforce a right isn't a waiver. You may not transfer these Terms; we may transfer them in connection with a merger, sale or reorganization. We aren't liable for delays or failures caused by events beyond our reasonable control, including outages of third-party data providers or marketplaces.
Contact
Valley Chase, LLC · St. Peter, Minnesota · jordan@valleychase.com