Cardiyo

Deutsche Fassung: Nutzungsbedingungen

Cardiyo — Terms of Use

Version 1.0. Effective 13 August 2026.

These Terms apply to the Cardiyo app for iOS and Android and to the website at cardiyo.io.

In short

This box summarises the numbered sections below. We have written it to say the same thing they do. If a summary point and a numbered section turn out to say genuinely different things, the reading more favourable to you applies (§ 305c(2) BGB).

  • Cardiyo is run by one person: Karansingh Pruthvisingh Rajput, trading as WebbyWolf Innovations, in India. Not a company.
  • Cardiyo helps you identify and organise the Pokémon cards you already own, and shows you what other marketplaces report they sell for. It does not buy, sell, trade or grade cards, and it never will inside the app.
  • The prices are estimates. We take them from other marketplaces. They are not an offer, not an appraisal, and not investment advice. Some of what eBay shows is what sellers are asking, not what anyone paid.
  • If you subscribe to Cardiyo Pro, Apple or Google is the seller, not us. They take your money, they handle refunds, and you cancel in their settings — not in our app.
  • Some eBay links in the app are affiliate links. If you buy after tapping one, eBay may pay us. You do not pay more, and it does not change the prices we show you.
  • Cardiyo is a fan-made tool. Nintendo, Creatures, GAME FREAK, The Pokémon Company and Wizards of the Coast have nothing to do with it.
  • Your collection is yours. We store it so we can show it back to you. We do not sell it and we do not train models on it.
  • If you are a consumer in the EU, the parts of your own national consumer law that cannot be signed away still protect you, whatever §19 says about Indian law. We have not tried to contract around that.

1. Who you are contracting with

Cardiyo is operated by:

Karansingh Pruthvisingh Rajput, trading as WebbyWolf Innovations First Floor, H.No-1004/4, Navapur, Agashi Road, Char Rasta Virar West, Vasai Virar, Palghar, Maharashtra 401301, India Email: [email protected]

"WebbyWolf Innovations" is the trading name under which that person is registered for GST in India as a sole proprietor. It is not a separate company. There is no GmbH, no Ltd, no Pvt Ltd and no Inc behind it. Your contract for the use of Cardiyo is with the natural person named above, and that same person is personally responsible for it.

This is also why the App Store lists Karansingh Pruthvisingh Rajput as the seller of the app: the Apple Developer Program membership is an individual membership in that name.

In these Terms, "we", "us" and "our" mean that person. "You" means you, the user.

2. What these Terms cover

These Terms are the agreement between you and us for:

  • the Cardiyo app for iOS and Android (bundle identifier com.webbywolf.cardiyo),
  • the website at cardiyo.io,
  • the services behind them — the card catalogue, the scanner service, the price data and the notification service.

Together, the Service.

You accept these Terms when you create a Cardiyo account. We show them to you at sign-up, with a link you can open and read before you finish, and you confirm them there. Opening the app or the website does not by itself conclude a contract on these Terms. You can call these Terms up and save them at any time at cardiyo.io/terms.

Separate documents also apply and are part of the picture:

  • our Privacy Policy at cardiyo.io/privacy, which explains what we do with personal data;
  • Apple's Licensed Application End User License Agreement ("Standard EULA"), if you installed the app from the App Store — see §13;
  • the terms of the store you bought a subscription through — see §8.

3. What Cardiyo is — and what it is not

3.1 What it is

Cardiyo is a collection manager for the Pokémon Trading Card Game. You photograph a card, the scanner identifies the exact print, and the app files it in your collection and shows you what other marketplaces report for it. You can also add cards by searching the catalogue or by stepping through language, era, set and card by hand.

The Service also includes price history charts, prices for graded cards (cards a grading company has inspected, scored and sealed), population reports (how many copies of a card have been graded, and at which grade), recorded eBay sales, collection statistics, set completion tracking and Pokémon Center restock alerts.

3.2 What it is not

Be clear about all of the following, because people assume otherwise:

  • Cardiyo is not a marketplace. There is no buying, no selling, no trading and no brokering in the app. We are not a party to any transaction you make anywhere else.
  • Cardiyo does not buy or sell cards. We have no inventory and we will not make you an offer.
  • Cardiyo does not appraise, grade or authenticate cards. The scanner identifies which print a card is. It does not tell you whether a card is genuine, what condition it is in, or what a grading company would give it.
  • Cardiyo is not a financial service and gives no investment advice. See §9.
  • Cardiyo is not affiliated with the rights holders of the Pokémon TCG. See §14.
  • Cardiyo is not a backup service. Keep your own copy of anything that matters to you. Cardiyo Pro can export a collection as a CSV or Excel file.

3.3 The scanner can be wrong

Card identification is automatic and imperfect. Printings often differ only by a set symbol and a collector number at the bottom edge of the card, and the app will sometimes file the wrong one. That is why it shows you the runner-up candidates when the match is not clear-cut, and asks you to check that edge. Check the entry the app created before you rely on it, and all the more before you rely on a price.

4. Who may use Cardiyo

  • You must be at least 16 years old to create your own Cardiyo account.
  • If you are 16 or 17, or otherwise below the age of majority where you live, you may only use Cardiyo with the agreement of a parent or legal guardian, and that parent or guardian accepts these Terms with you.
  • If you are under 16, please do not create an account.

We do not verify ages. If you are a parent or guardian and an account has been created by a child in your care, write to [email protected] and we will delete it.

You must also not be barred from using the Service under any law that applies to you.

5. Your account

  • One person, one account. Do not create additional accounts to get around the limits of the free tier.
  • Give a real email address. It is how we reach you about your account, and how you reset your password if you lose it.
  • Keep your password to yourself. You are responsible for activity under your account where you caused it or culpably made it possible — for example by passing your password on, or by not telling us once you knew, or should have known, that someone else had access. You are not responsible for activity you neither caused nor could reasonably have prevented, and nothing here shifts onto you the burden of proving anything that lies within our control.
  • Do not share, sell, rent or transfer your account.
  • If you think someone else has access to your account, email [email protected].

We use email and password only. Cardiyo does not offer sign-in through Apple, Google, Facebook or any other third party.

6. Acceptable use

6.1 Use the Service normally

Cardiyo is licensed to you for your personal use in managing your own collection. That includes ordinary use by private collectors who buy and sell cards elsewhere.

6.2 Do not do these things

  • Do not scrape, crawl or bulk-extract the card catalogue, the images, or the price data, whether by automated means or by hand.
  • Do not access the Service through anything other than the app and the website — no bots, no scripts, no unofficial clients, no reverse-engineered API calls.
  • Do not redistribute, resell, publish or sublicense the catalogue data, the price data or the population data, and do not use them to build or feed a competing product, a dataset, a public price index or a machine-learning model.
  • Do not circumvent restrictions — the scan limit, the collection limits, the limit on price history, or the gating of Pro features — including by creating multiple accounts.
  • Do not reverse-engineer, decompile or disassemble the app, except where the law gives you that right and does not let us contract out of it. In the EU that includes observing, studying and testing the app to work out the ideas and principles behind it while using it normally, and decompiling it so far as needed for interoperability (Articles 5(2), 5(3) and 6 of Directive 2009/24/EC, which Article 8 of that Directive makes non-excludable).
  • Do not attack the Service — no attempts to defeat authentication, overload our systems, probe for vulnerabilities, or access other users' data.
  • Do not upload anything illegal, infringing or harmful as a display name, avatar or in any other field.
  • Do not use the Service to break the law, wherever you are.

None of the above restricts assistive technology you use to access the Service.

6.3 Your own collection data is a different matter

The restrictions in §6.2 are about our catalogue and price data. They are not about your records. The cards you entered, the quantities, the purchase prices and the sale prices are yours: export them, keep them, use them however you like. Where an export also contains catalogue or market data taken from Cardiyo, that part stays subject to §6.2.

6.4 If you break these rules

We may warn you, limit your account, suspend it, or close it. §16 explains what happens then.

7. Cardiyo Free and Cardiyo Pro

Cardiyo has a free tier and a paid tier called Cardiyo Pro.

The free tier is a working collecting app, not a trial. All four card languages, all price sources, graded prices, population reports, recorded eBay sales and the daily price refresh are free. As this version is written, the free tier is limited to 10 scans per day, 2 collections of 50 cards each (copies count individually, so 50 copies of one card fill a collection), 6 months of price history, restock alerts checked every 30 minutes, and the two standard themes.

Cardiyo Pro removes the scan and collection limits, opens the full price history we hold — today that is about one year of daily prices, and it grows every day — checks restock alerts every 5 minutes, unlocks all themes and fonts, and adds CSV and Excel export.

The exact limits of each tier are shown in the app and may change — see §15. Where a change materially reduces what a paid subscription gives you, §15.2 applies.

8. The subscription

8.1 The store is the seller, not us

We do not sell you the subscription, and we never receive your payment details.

If you subscribe inside the iOS app, the seller is Apple. For customers in the EU the seller is the Apple entity named as seller in the Apple Media Services Terms and Conditions for your country — at the time of writing, Apple Distribution International Ltd., Hollyhill Industrial Estate, Hollyhill, Cork, Ireland, which is Apple's merchant of record for App Store purchases in the EU and which shows and remits VAT. If you subscribe inside the Android app, the seller is the Google entity named as seller for your country in Google Play's terms.

Your purchase contract for the subscription is therefore with Apple or Google. Your contract with us is the licence to use Cardiyo, on these Terms, at the tier the store has confirmed to us.

We use RevenueCat to receive confirmation from the store that a subscription is active, so the app knows to unlock Pro. Credit card numbers, bank details and billing addresses do not reach us at any point.

8.2 Price, term and auto-renewal

Cardiyo Pro is offered as:

  • Monthly (store product io.cardiyo.pro.monthly) and Yearly (store product io.cardiyo.pro.yearly). Apple sets the price for your country's storefront and shows it before you buy — for example USD 5.99 per month / USD 59.99 per year on the U.S. storefront, and 6,99 € per month / 69,99 € per year in Germany.

These are total prices and include VAT. The store shows you the total price including VAT that applies in your country and in your currency before you confirm; that displayed price is the one that counts.

The subscription renews automatically. Unless you cancel, it renews at the end of each term and your account is charged for another term. The store charges within the 24 hours before the current term ends. It keeps renewing until you cancel.

8.3 How to cancel

You cancel with the store, not with us. We cannot cancel it for you.

  • iPhone or iPad: Settings app → tap your name → Subscriptions → Cardiyo → Cancel Subscription.
  • Android: Google Play → your profile → Payments and subscriptions → Subscriptions → Cardiyo → Cancel.

Cancel at least 24 hours before the current term ends, or the store will charge for the next one. After cancelling you keep Pro until the end of the term you have already paid for.

Deleting your Cardiyo account does not cancel the subscription. Deleting the app does not cancel the subscription. Only the store can.

8.4 Refunds and the right of withdrawal

Because the store is the seller, the store handles refunds under its terms, not ours. Any statutory right of withdrawal is likewise a right against the store and follows the store's terms.

  • Apple: use Apple's Report a Problem page at reportaproblem.apple.com, or contact Apple Support.
  • Google: use the Google Play order history or Google Play support.

We are not able to issue a refund for a store purchase. If a refund is refused and you think the reason involves something on our side, write to [email protected] — we will look at it; we simply cannot reverse the payment ourselves.

8.5 The German cancellation button (§ 312k BGB) — where we stand

German law requires a Kündigungsschaltfläche — a cancellation button — where a consumer can conclude a paid continuing contract on a website.

You cannot buy anything on cardiyo.io. There is no checkout on the website; a subscription can only be concluded inside the app, through the store, and the contract is concluded with the store as seller. On that basis we take the view that § 312k BGB does not apply to us, and we have therefore not built a cancellation button. The full cancellation path is set out in §8.3 above instead.

If we ever sell subscriptions directly from cardiyo.io, § 312k will apply to us and we will build the button before we take the first payment.

8.6 Price changes

We may change the price for future renewal terms. We will never change the price of a term you have already paid for.

Where your renewal price goes up, the store will notify you in advance. Depending on the size of the increase, the store will either ask you to agree before charging the new price, or notify you and give you the chance to cancel first. Either way you will always be told before a higher price is charged, and you can cancel through the store (§8.3) so that the subscription simply ends at the end of the term you have already paid for. If you are ever charged a higher price without having been told, write to [email protected] — we will take it up with the store and support your refund request.

9. Prices and market data — read this

This is the most important section in this document, and we would rather over-explain it than have you misled by it.

9.1 Where the numbers come from

Cardiyo does not set prices. It takes them, nightly, from third-party sources:

Source What we take from it
TCGplayer (US, USD) Marketplace prices for the US market
Cardmarket (EU, EUR) Marketplace prices for the European market, including German prints
eBay Live listings and, separately, recorded sold items
PokemonPriceTracker Graded prices by grading company and grade, and population report figures

These are independent third parties. We do not control what they publish, whether they publish, or whether what they publish is right. If a source changes its data, stops providing it, or goes away, the corresponding numbers in Cardiyo change or disappear with it.

9.2 Asking prices are not sales

An eBay live listing shows what a seller is asking. Nobody has agreed to pay it. It is not evidence that a card sold, and it is not evidence that it will.

An eBay sold item is a recorded, completed sale. Cardiyo keeps these separately and labels them separately, and you should read them separately.

Marketplace prices from TCGplayer and Cardmarket are derived from those marketplaces' own listing and sales data as they publish it.

9.3 What we do when there is no price

Where we have no price for a print, the tile stays empty. We do not carry a price over from another language version of the card, we do not carry one over from another print, and we do not calculate an intermediate value. No price is better than a wrong price. This is deliberate, and an empty tile is information, not a failure.

9.4 What the prices are not

  • Not an offer. Nothing in Cardiyo is an offer by us to buy or sell anything, and nothing in it is an invitation to you to make one to us. We do not deal in cards.
  • Not a valuation or an appraisal. Cardiyo is not a valuation service. Do not use its numbers for insurance cover, a claim against an insurer, tax, customs, probate, a divorce settlement, accounting, or a loan application. Those need a qualified valuer who has physically examined the cards.
  • Not investment advice, and not a recommendation. We are not licensed to give investment or financial advice in India, in Germany, or anywhere else, and nothing in Cardiyo — a price, a chart, a "Trending today" entry, a profit-and-loss figure or a collection value — is a recommendation to buy, sell, hold or price anything. Trading cards are not a financial instrument and not a regulated investment, and their prices can fall as fast as they rise. What you do with your cards is your decision alone.
  • No guarantee of accuracy or completeness. We give no guarantee for data that comes from third parties. Prices can be stale, wrong at the source, matched to the wrong print, or missing. Grading populations change. Cards get misidentified. Verify before you act. Your statutory rights, and our liability under §17, are not affected by this bullet.

9.5 Statistics and converted currencies

Collection value, profit and loss against what you paid, top movers, collection value history and set coverage are calculated from the estimates above; every limitation in this section therefore applies to them as well. A "total value" in Cardiyo is an estimate built out of other estimates.

Where you display values in a currency other than the one the source quotes — you can choose USD, EUR, GBP or CAD — the converted figure is indicative only and depends on the exchange rate used at the time.

9.6 In one sentence

Cardiyo shows you the prices that other people's marketplaces report for a card like yours. That is genuinely useful, and it is all it is.

10. eBay affiliate links

Some links in Cardiyo open eBay. Those links carry our eBay Partner Network campaign ID 5339183987. If you buy something on eBay after following one of them, eBay may pay us a commission.

Three things follow, and all three are true:

  • You never pay more because you arrived through our link.
  • The commission does not change the prices you see. eBay data is taken in the same way for every card and every user, whether or not anyone ever taps a link, and we do not reorder or promote anything because of commission.
  • We are telling you this because you should know, not because a rule forced the sentence out of us.

11. Pokémon Center restock alerts

Cardiyo watches the Pokémon Center storefront and sends you a push notification when we detect a restock — stock becoming available again. We also detect the virtual queue that is placed in front of a drop, an announced new release. The free tier is checked every 30 minutes; Pro every 5 minutes.

This is a polling service on a website we do not own or control. We cannot guarantee that you will be alerted to any given drop, that an alert will arrive in time, or that stock will still exist when it does. Pokémon Center can change its site at any moment and break the check. Push delivery also depends on Apple's and Google's notification services and on your device.

Do not treat an alert, or the absence of one, as reliable. You can turn alerts off in Settings.

We use push notifications only for the alerts you switch on and for messages about your account. We will not send you advertising by push notification unless you have separately agreed to it.

12. Your content and the licence you give us

12.1 It stays yours

Your collection is yours. Everything you put into Cardiyo — the cards, sealed products and coins you add, quantities, conditions, variants, grading details, purchase prices, sale prices, collection names, your display name and any avatar you upload — remains your content. We acquire no rights of ownership in it. The scan records described in §18 are treated the same way.

12.2 The licence we need, and nothing more

To run the Service for you, you grant us a non-exclusive, worldwide, royalty-free licence to reproduce, store, back up, transmit and display your content to you, and to make the technical copies and format changes needed to do that — for example, so that your collection syncs to your other devices and survives a database restore. You also allow the hosting, database and infrastructure providers we use to do the same on our behalf and on our instructions, for that purpose and nothing else.

That licence exists for one purpose: operating the Service for you. It ends when the content is deleted.

This is a copyright licence. It is not your consent to any processing of personal data — for that, see §18 and the Privacy Policy.

12.3 What that licence is not

  • We will not sell your content or grant anyone else rights of use in it. The technical providers we use act only on our instructions, as processors.
  • We will not use it to train machine-learning models.
  • We will not publish it, show it to other users, or use it in marketing — except for anything you deliberately make public yourself under §12.4.
  • We do not claim any right to it after you delete it, beyond what §16.3 says about backups.

12.4 Anything you deliberately make public

If a feature of cardiyo.io lets you make something public — for example a public collector profile — then choosing to publish it additionally grants us the right to make that specific content publicly available, for as long as you keep it public. Turning it off, or deleting it, ends that right.

12.5 Avatars and display names

If you upload an avatar or choose a display name, you confirm you have the right to use it and that it does not infringe anyone's rights or break the law. We may remove one that does.

12.6 Feedback

If you send us a suggestion, a bug report or an idea, we may use it to improve Cardiyo without owing you anything for it and without keeping it confidential. This covers ideas, suggestions and bug reports. It does not transfer copyright in any work you send us — if we want to use something like that, we will ask you first. Please do not send us anything you consider secret.

13. Our content, and your licence to the app

13.1 What we license to you

We grant you a personal, non-exclusive, non-transferable licence to install and use the Cardiyo app on devices you own or control, and to use the website. The licence runs for as long as you comply with these Terms, and we may end it only as set out in §16.2. That is a licence, not a sale. Everything not expressly granted is reserved.

13.2 What belongs to whom

The Cardiyo app, the website, the name and logo, the design, the themes, the software including the scanner and its matching index, and our compilation and structuring of the catalogue and price database are owned by us or licensed to us.

Card names, card images, set names, artwork and all Pokémon TCG game content belong to their respective rights holders. We display them so you can identify and manage cards you own. Price data belongs to the marketplaces and providers named in §9.1. The fact that this content appears in Cardiyo gives neither you nor us any rights in it.

13.3 Apple's Standard EULA, if you installed from the App Store

If you obtained the app from Apple's App Store, Apple's Licensed Application End User License Agreement also applies to your licence to use the app. It is published at:

https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

We have not replaced it with a custom one. Where Apple's Standard EULA and these Terms cover the same ground and genuinely conflict with each other, Apple's Standard EULA governs the bare licence to use the app, and these Terms govern everything else — the Service, the subscription relationship with us, the data, and the explanations in §9.

Also, as Apple requires:

  • These Terms are between you and us, not between you and Apple. Apple is not responsible for the app or its content.
  • Apple has no obligation to provide maintenance or support for the app. Support is ours: [email protected].
  • If the app does not conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app. To the maximum extent permitted by law, Apple has no other warranty obligation for the app.
  • We, not Apple, are responsible for dealing with any claim you or a third party makes about the app — including product liability claims, claims that the app does not meet a legal or regulatory requirement, and claims under consumer protection or similar law.
  • You confirm that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a terrorist-supporting country, and that you are not on any U.S. Government list of prohibited or restricted parties.
  • Apple is a third-party beneficiary of these Terms and may enforce them against you as they relate to your use of the app.

13.4 If you installed from Google Play

Google Play's own terms apply to the distribution. We remain responsible for support and for operating the Service.

14. Trademarks — Cardiyo is unofficial

Cardiyo is an unofficial, fan-made tool. It is not affiliated with Nintendo, Creatures Inc., GAME FREAK inc., The Pokémon Company, The Pokémon Company International, or Wizards of the Coast, and is neither approved, endorsed nor sponsored by any of them.

Pokémon, the Pokémon TCG, all card names, character names, set names, symbols and artwork are the trademarks and copyright of their respective owners. They are used in Cardiyo to identify and describe cards that collectors own — descriptive use, and use as a necessary reference to what the Service is about. We claim no rights of our own in them.

TCGplayer, Cardmarket, eBay, PokemonPriceTracker, Apple, Google, PSA, BGS, CGC, SGC, ACE and TAG are the trademarks of their respective owners, named here as sources or as service providers. None of them stands behind Cardiyo or endorses it.

15. Availability, updates, and changes

15.1 Availability

We try to keep Cardiyo running and current. We provide the Service in the condition agreed and in the condition it objectively has to have. We do not, however, owe uninterrupted availability: maintenance, faults at our suppliers and outages at the sources named in §9.1 can cause temporary restrictions.

The Service depends on things we do not control: Apple's and Google's platforms and notification services, our hosting and database providers, the price sources in §9.1, and the Pokémon Center storefront in §11. Any of them can change, degrade or stop.

We may take the Service down for maintenance. Where an interruption is planned and significant, we will try to say so in advance.

This paragraph does not affect your statutory rights if the Service is defective. If you are a consumer, the statutory rules on digital products apply (in Germany, §§ 327 ff. BGB).

15.2 Changes to the Service

We may add, change or remove features. Cardiyo is actively developed, and some of what is here today will be different in a year.

Where a change goes beyond what is needed to keep the Service working as agreed and you have an active Cardiyo Pro subscription, all of the following apply: we will only make the change for a valid reason — a technical, legal, security or supplier reason, or a change in what a source named in §9.1 makes available; the change will cost you nothing extra; and we will tell you in advance in a durable form, by email, what is changing and when.

If such a change would more than insignificantly impair your access to Cardiyo Pro or your use of it, you may terminate this contract free of charge within 30 days of being told or of the change taking effect, whichever is later, and you get back the part of any term you have paid for and can no longer use (§16.2 explains how). That right does not arise if we let you keep using the unchanged version at no extra cost and it keeps working as agreed. (§ 327r BGB.)

15.3 Updates

For as long as you have an active Cardiyo Pro subscription, we will provide the updates — including security updates — needed to keep the Service working as agreed, and we will tell you when there are any. For the free app, we will provide such updates for as long as you can reasonably expect given the kind of app it is. If we tell you an update is available and what happens if you skip it, and you do not install it, we are not responsible for a fault that only that update would have fixed. (§ 327f BGB.)

15.4 Changes to these Terms

  • We may change these Terms where there is a valid reason: a change in the law or in case law, a decision of a court or authority, a new or changed feature, a change on the part of Apple, Google or a source named in §9.1, or the need to close a gap or fix something unclear. We will not use this clause to change what you pay or the core of what Cardiyo Pro gives you — for those, see §8.6 and §15.2.
  • We will publish the changed version at cardiyo.io/terms with a new effective date.
  • Where a change is material and disadvantages you, we will tell you by email or in the app at least 30 days before it takes effect, say exactly what is changing, and tell you that you may reject it.
  • Your silence is not agreement. If you reject the change, or simply do not agree to it, it does not bind you. You may stop using Cardiyo and cancel through the store (§8.3) at any time; and if we cannot reasonably keep going on the old terms for you, we may end the contract with 30 days' notice and refund the part of any term you have paid for and cannot use.
  • No change applies retroactively, and none applies to a subscription term you have already paid for.

16. Ending it

16.1 You

You can stop using Cardiyo whenever you like. You can delete your account inside the app — the delete option is in your account settings — and it removes your account and your collection data as described in the Privacy Policy.

Deleting your account does not cancel your subscription. Cancel that with the store first (§8.3), or you will keep paying for a subscription whose account no longer exists.

16.2 Us

We may suspend or terminate your access if you materially breach these Terms — in particular §6 — or where we are required to by law. Except where a breach is serious or repeated, or where a legal requirement or a security need makes it impossible, we will warn you first and give you a chance to put it right (§ 314(2) BGB).

If we end your account without you having breached these Terms, or if we stop offering the Service, and you have paid for a term you can no longer use, you are entitled to that part of your money back. Because the store took the payment, the refund runs through Apple or Google: we will ask the store to issue it and will support your claim with whatever confirmation the store needs from us.

We may also stop offering the Service altogether. If we do, we will tell you as early as we can, will inform paying subscribers directly, and will give you a way to export your collection before it goes.

16.3 What happens to your data

The Privacy Policy at cardiyo.io/privacy governs this and is the more detailed document. In outline: your account and collection data are deleted, some records may remain in database backups for a short period until those backups are overwritten in the normal cycle, and anything we are legally required to keep is kept for as long as the law requires and no longer.

17. Liability

17.1 Plainly, first

We have deliberately not written the blanket "we are not liable for anything, ever" clause that you see in a lot of American apps. Against a German or EU consumer, that clause is void under §§ 307, 309 no. 7 BGB, and a clause that is void protects nobody. What follows is what we believe is actually enforceable.

17.2 Where our liability is unlimited

We are liable without limitation:

  • for damage caused intentionally or by gross negligence;
  • for damage arising from injury to life, body or health caused by an intentional or negligent breach of duty by us, our legal representatives or the people we use to perform our obligations;
  • for damage arising from a breach of data protection law, including any claim under Article 82 GDPR;
  • under the Product Liability Act (Produkthaftungsgesetz) and any equivalent mandatory product liability law;
  • where we have fraudulently concealed a defect or given a guarantee.

17.3 Where it is limited

For slight negligence, we are liable only where we breach an essential contractual obligation — an obligation whose fulfilment makes proper performance of this agreement possible in the first place and on whose fulfilment you routinely rely and are entitled to rely. In that case our liability is limited to the foreseeable damage typical of this kind of contract.

17.4 Otherwise excluded

Any liability beyond §§17.2 and 17.3 is excluded. This does not change the burden of proof to your disadvantage.

17.5 In particular

Subject always to §§17.2 and 17.3, we are not liable for:

  • decisions you make on the basis of a price, a statistic or a chart in Cardiyo — see §9;
  • a card the scanner identified incorrectly;
  • a restock alert that did not arrive, arrived late, or arrived once stock had already gone — see §11;
  • data that a third-party source published wrongly, changed or withdrew;
  • anything that happens between you and a marketplace, a seller, a buyer or a grading company.

Where data is lost, our liability is limited to the effort that recovery would have taken if you had kept your own copy to a reasonable extent using an export function available to you.

17.6 Your statutory rights

Nothing in this section limits any right you have as a consumer that cannot be limited by contract under the law of your country of residence. Where a mandatory rule of your national law gives you more than this section does, that rule applies and this section does not reduce it.

17.7 Indemnity — non-consumers only

If you use the Service other than as a consumer and your breach of these Terms causes a third-party claim against us, you will indemnify us against that claim and the reasonable costs of defending it. This paragraph does not apply to consumers.

18. Data protection

What we collect, why, how long we keep it and what rights you have is set out in the Privacy Policy at cardiyo.io/privacy. It is a separate document because it is a different subject, and it is the one that binds on privacy.

Nothing in these Terms is your consent to any processing of personal data. Where we need your consent, we ask for it separately, and you can withdraw it at any time (Article 7 GDPR).

Three points belong here, because people ask about them in the context of the app rather than the policy:

  • The photograph you take when you scan a card is not stored. It is sent to our scanner service, used to identify the card, and discarded. No copy is written to our image storage, and the app saves none either. What is kept is the scan record — which card was recognised, the card name, number and set read off it by OCR, the language, the number of candidate matches and the value recorded at the time of the scan.
  • No third-party analytics, advertising or tracking SDK ships in the app. We have not built in any analytics, advertising, attribution or tracking software, and nothing in Cardiyo reports what you look at or tap to an advertising network or an analytics company.
  • One third-party component does ship: RevenueCat, which we use to confirm with Apple or Google that your subscription is active (§8.1). It is a purchases component, not an analytics or advertising one. What it receives, and why, is set out in the Privacy Policy.

19. Governing law and where disputes go

This clause needs to be honest rather than convenient, so it is longer than usual.

19.1 The law

These Terms and any dispute arising out of them are governed by the laws of India, excluding its conflict-of-law rules and excluding the UN Convention on Contracts for the International Sale of Goods.

But if you are a consumer, that choice does not take anything away from you. Under Article 6(2) of Regulation (EC) No 593/2008 (Rome I), where we direct our activities at the country in which you have your habitual residence — and by shipping a German-language app at prices in euros, we plainly do direct them at Germany — a choice of law cannot deprive you of the protection of provisions that cannot be derogated from by agreement under the law of your own country.

Concretely: if you are a consumer resident in Germany, those provisions of German law that protect you and cannot be set aside by agreement continue to apply — including the rules on unfair standard terms in §§ 305 ff. BGB, your statutory rights if a digital product is defective (§§ 327 ff. BGB), and the limits on liability clauses reflected in §17. The same principle applies to consumers resident in other EEA states with respect to their own mandatory law. Where anything in these Terms conflicts with such a rule, the rule wins and the clause does not apply to you.

This choice of law does not touch data protection. Because we offer the Service to people in the EU, the GDPR applies to how we handle your personal data whatever law governs this contract (Article 3(2) GDPR).

19.2 The courts

If you are a consumer in the EU: you may bring proceedings against us in the courts of the Member State where you are domiciled, or in the courts of India. We may bring proceedings against you only in the courts of the Member State where you are domiciled. This follows from Articles 17 to 19 of Regulation (EU) No 1215/2012 (Brussels Ia), which apply to a trader who directs activities to a Member State even where that trader is not domiciled in the EU. We are not attempting to contract out of it.

If you are not a consumer: the courts having jurisdiction at our place of business in Vasai Virar, Palghar, Maharashtra, India shall have exclusive jurisdiction.

19.3 What we are not pretending

We are not going to write a clause telling German consumers that they must sue in an Indian court, because such a clause would be unenforceable and would be dishonest to publish. Equally, you should understand the practical picture: we are one person in India with no establishment in the EU, and a judgment from an EU court is generally not directly enforceable in India — it would have to be pursued again in a fresh action there. Writing to us first at [email protected] will nearly always produce a result faster than any of the routes above.

20. Consumer dispute resolution

Please contact us first. [email protected]. Most things are a misunderstanding, a bug, or a store billing question, and all three are quicker to fix by email than by anything else.

Consumer arbitration board (Verbraucherschlichtungsstelle): we are neither willing nor obliged to take part in dispute resolution proceedings before a consumer arbitration board.

The EU ODR platform no longer exists. The European Commission's Online Dispute Resolution platform stopped accepting complaints on 20 March 2025 and was shut down on 20 July 2025 under Regulation (EU) 2024/3228. We therefore do not link it. If you find a link to it on another site, it does not work.

Purchase disputes go to the store. Because Apple or Google is the seller of the subscription (§8.1), disputes about billing, renewal, refunds and any right of withdrawal are between you and them. We can help you understand what happened; we cannot decide it.

21. General

Severability. If a provision of these Terms is or becomes invalid, the rest stays in force. The invalid provision is replaced by the applicable statutory rule.

No waiver. If we do not enforce something immediately, we have not given up the right to enforce it later.

Assignment. You may not transfer your rights under these Terms without our consent. We may transfer this contract to someone else — for example if Cardiyo is sold, or if the business is later put into a company — only if your rights are not reduced by it. We will tell you at least 30 days beforehand and name who is taking over, and you may terminate this contract with effect from the date of the transfer (§ 309 no. 10 BGB).

Whole agreement. These Terms, the Privacy Policy, and — for App Store installs — Apple's Standard EULA are the whole agreement between us about the Service. Anything we have separately and individually agreed with you takes precedence over these Terms (§ 305b BGB).

Set-off and retention (non-consumers). A business user may only set off against undisputed or legally established claims, and may only exercise a right of retention on the basis of counterclaims arising out of the same contractual relationship. This does not apply to consumers.

Language. These Terms are published in English and German. The version that applies to you is the one in the language in which we presented them to you when you signed up; for consumers habitually resident in Germany, Austria or Switzerland, the German version always applies. Otherwise the English version applies. We will deal with you in that language. Both versions are intended to say the same thing; if they somehow do not, the version that applies to you under this paragraph governs.

22. Contact

Karansingh Pruthvisingh Rajput, trading as WebbyWolf Innovations First Floor, H.No-1004/4, Navapur, Agashi Road, Char Rasta Virar West, Vasai Virar, Palghar, Maharashtra 401301, India

[email protected]

Full statutory provider details are in the Impressum at cardiyo.io/impressum.

Version 1.0 — effective 13 August 2026.