Terms of Service

Last updated: 18 August 2026

Welcome to CardArc. These Terms govern your use of the CardArc platform and its websites (cardarc.app, admin.cardarc.app and store subdomains). CardArc is operated by Coco Milo Holdings and its affiliates ("CardArc", "we", "us"). By creating a workspace, registering interest, or using the service you agree to these Terms. If you use CardArc on behalf of a business, you agree on that business's behalf.

1. Early access

CardArc is in early access. The service is provided on a best-effort basis, features may change or be withdrawn at any time, and some features are still rolling out. We offer no uptime guarantee and no service-level agreement. We may modify, suspend or discontinue any part of the service at any time.

2. Who can use CardArc

CardArc is a business tool for trading-card retailers and their staff. You must be able to form a binding contract and use the service for a legitimate business. You are responsible for everyone you invite into your workspace and for everything done under your accounts.

3. Your workspace and account

You sign in with Google. You are responsible for your account, for keeping access secure, and for the actions of members you add. We are not liable for any loss arising from unauthorised access that results from your failure to secure your accounts or devices.

4. Your data, exports and backups

Your data is yours. The records you enter belong to you, and you grant us the limited right to store and process them only to provide the service.

We run routine backups on a best-effort basis, but you are responsible for keeping your own copies of records that matter to your business (for example by requesting periodic exports). To the fullest extent permitted by law, we are not liable for loss or corruption of data.

5. Catalog and market data - no reliance

CardArc provides a shared card catalogue and market-price data sourced from third parties and our own logging. This data is provided for convenience only. It may be wrong, stale, incomplete or unavailable at any time. Card identification, grading tiers, and any pricing suggestions (including any under-pricing warnings) are assistive features, not guarantees.

Every pricing, buying and selling decision you make is yours alone. To the fullest extent permitted by law, we accept no liability for any loss - including selling under market, overpaying, or missed profit - arising from the use of, reliance on, or unavailability of catalog or market data.

6. Your store and your sales - we are not a party

CardArc is software. When you sell - at your counter, on your storefront, through pre-orders, auctions or anywhere else - the sale is between you and your customer. We are not a party to any transaction, and we do not guarantee payment, delivery, authenticity, grading, condition or fitness of any card or product, nor the identity or conduct of any buyer or seller.

Disputes with your customers (including refunds, chargebacks, non-payment and product claims) are yours to resolve. You are solely responsible for your listings, product descriptions, images, prices, promotions and the fulfilment of your orders.

7. Your responsibilities and compliance

You are solely responsible for operating your business lawfully, including: taxes and tax reporting; business licences and permits; consumer-protection, distance-selling and refund laws; import/export rules; anti-money-laundering obligations; and the accuracy of your books. CardArc's reports, valuations and P&L figures are informational tools, not accounting, tax or legal advice. Verify anything important with your own advisers.

8. Acceptable use

You agree not to: break the law or infringe others' rights; access, probe or disrupt another workspace's data or the platform's security; resell or sublicense the service without our written permission; upload malware, or scrape or overload the platform; or misrepresent yourself or your business. We may remove content or suspend access to protect the platform or other stores, with or without notice.

9. Fees

CardArc is free during early access. Published subscription prices apply as billing is introduced.

Transaction fees. Orders paid through CardArc's integrated payment gateway - card or online payments we process on your storefront, auctions, pre-orders or any other checkout we operate - carry a standard platform transaction fee of 7.5% of the amount processed. This fee is currently fully waived as a launch promotion. Payments you collect yourself - cash, your own bank transfer, or any method arranged directly between you and your customer - are never subject to platform transaction fees, and neither are in-person POS sales.

Changes to fees. We reserve the right to introduce, remove, increase or otherwise change any of our prices and fees at any time and at our sole discretion - including subscription prices, gateway or transaction fees, and any fee types we may introduce in the future, and including ending any waiver or promotion. We will give notice of material fee changes through the app or by email before they take effect, and your continued use of the service after notice means you accept the changed fees. Fees, once charged, are non-refundable except where the law requires otherwise.

10. Third-party services

CardArc relies on third parties such as Google (sign-in), Resend (email), payment providers (Stripe, Xendit) and market-data sources. Your use of those features is also subject to their terms. We are not responsible for third-party services, their availability, their fees, or anything they do or fail to do.

11. Intellectual property

The CardArc platform, its software, design and branding belong to us and our licensors. Card names, images and trademarks belong to their respective owners; their appearance in the catalogue does not imply any affiliation or endorsement. You are responsible for having the rights to any content you upload or publish through your storefront.

12. Availability and maintenance

We may take the service down for maintenance, updates or security work at any time, with or without notice. To the fullest extent permitted by law, we are not liable for any loss caused by downtime or degraded performance, whenever it occurs - including during sales events, card shows or product launches.

13. Disclaimers

The service is provided "as is" and "as available" without warranties of any kind, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or uninterrupted or error-free operation. No advice or information obtained from us creates any warranty not expressly stated in these Terms.

14. Limitation of liability

To the fullest extent permitted by law: (a) neither CardArc, Coco Milo Holdings, PT Coco Global Prima, nor any of our directors, employees or suppliers will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, lost goodwill or business interruption, even if advised of the possibility; and (b) our total aggregate liability for all claims arising out of or relating to the service is limited to the greater of the fees you actually paid us in the three months before the event giving rise to the claim, or SGD 100.

These limits apply regardless of the theory of liability (contract, tort, negligence, statute or otherwise) and even if a remedy fails of its essential purpose. Nothing in these Terms excludes liability that cannot be excluded by law, such as liability for fraud. Any claim must be brought within 12 months of the event giving rise to it, after which it is permanently barred to the extent the law allows.

15. Indemnity

You agree to indemnify and hold harmless CardArc, Coco Milo Holdings, PT Coco Global Prima and our personnel from and against any claims, damages, losses and expenses (including reasonable legal fees) arising out of or related to: your use of the service; your sales, listings, products and customer disputes; your content; your breach of these Terms; or your violation of any law or third-party right.

16. Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including internet or hosting failures, power outages, third-party service outages, cyber-attacks, labour disputes, epidemics, natural disasters, war or government action.

17. Termination

You may stop using CardArc and delete your workspace at any time. We may suspend or terminate access at any time if you breach these Terms, create risk or legal exposure for us, or use the platform in a way that harms other stores or the service. Sections 4 to 16 and 18 to 19 survive termination.

18. Changes

We may update these Terms as the platform grows. If we make a material change we will give notice through the app or by email, and continued use means you accept the updated Terms.

19. General

These Terms are the entire agreement between us regarding the service and supersede any prior discussions. If any provision is found unenforceable, the rest remain in force and the provision is enforced to the maximum extent permitted. Our not enforcing a right is not a waiver of it. You may not assign these Terms without our consent; we may assign them to an affiliate or in connection with a reorganisation or sale.

20. Governing law and contact

These Terms are governed by the laws of Singapore, without regard to conflict-of-law rules, and the courts of Singapore have exclusive jurisdiction. Indonesian operations are conducted through PT Coco Global Prima. Questions? Reach us through the contact form on our site.