Terms of Service

These Terms of Service ("Terms") govern your use of CardYard, an online marketplace for trading card game (TCG) singles, operated in Australia ("CardYard", "we", "us", "our"). By creating an account or using CardYard, you agree to these Terms.

CardYard is operated under ABN 88 317 126 236. Our website is https://cardyard.com.au and our contact email is [email protected].

1. About CardYard

CardYard operates an Australian marketplace for trading card game cards, including singles, bundles and auction lots, at https://cardyard.com.au. The service is available for transactions within Australia only. All amounts are in Australian dollars (AUD).

For sales between marketplace users, CardYard provides the platform and is not the buyer or seller under the sale contract. The contract is between the buyer and the seller identified in the listing. CardYard does not take title to cards merely because they are listed or sold through the marketplace.

This marketplace role does not apply to our we-buy service. In a we-buy transaction, CardYard buys cards directly from you, becomes a party to the purchase contract and takes title under section 4.1.

Sellers are responsible for dispatching their marketplace orders or making them available for agreed local pickup. CardYard does not provide shipping fulfilment for marketplace orders. For we-buy submissions, you send your cards to the intake address provided by CardYard.

If cards acquired through we-buy are subsequently listed on the marketplace, the listing must identify the contracting seller and the applicable dispatch or pickup arrangements. CardYard's obligations in any transaction in which it is itself the seller are not excluded by the marketplace provisions of these Terms.

2. Eligibility and accounts

• You must be at least 18 years old and able to enter into a binding contract.
• You must provide accurate, current and complete information when registering and keep it up to date.
• You are responsible for keeping your login credentials secure and for all activity on your account. Notify us immediately of any unauthorised use.
• One account per person unless we agree otherwise.

2.1 Store staff

A store owner may invite staff to manage the store through their own accounts. Staff may access and manage the store's listings, orders and messages within the permissions available to their role.

By granting access, the owner authorises the staff member to act for the store within those permissions, including communicating with customers. The owner remains responsible for the store's obligations and for managing and revoking staff access.

Staff must use their own login credentials, keep customer and store information confidential, and use it only for authorised store operations. Neither owners nor staff may use order or message data for unrelated marketing or disclose it without lawful authority.

Owners must promptly remove access when it is no longer required. Removing access does not reverse actions already validly taken on the store's behalf.

Nothing in this section makes an owner responsible for unauthorised access to the extent caused by CardYard's failure to meet its own legal obligations.

2.2 Collections

You may record cards in a collection and, where supported, choose to make the collection public or mark cards "For Trade" or "For Sale".

A public collection can be viewed by other people and may be copied or indexed by search engines. Do not include personal information or images you do not wish to make public.

A collection entry is not a completed sale, proof of ownership, an authentication certificate or a guaranteed valuation. Marking a card "For Sale" does not itself create a purchase contract; a sale must be completed through an applicable listing or accepted offer.

Changing a collection from public to private limits future access through CardYard but may not remove copies previously made by others.

3. Buying

• Listings describe the card, condition, finish, and price. You should review a listing and its photos carefully before purchasing.
• When you place an order you make an offer to buy, which the seller accepts by completing the sale.
• Payment is processed by our payment provider (Stripe). By paying, you authorise Stripe to charge your nominated payment method.
• Prices are in AUD. Where GST applies it will be shown.

3.1 Bundles

A bundle is one listing containing multiple cards sold together. The displayed purchase price, accepted offer or winning bid buys all cards identified as included in that bundle; it is not a price per card.

Review the card list, quantities, individual condition descriptions and photos before purchasing. A seller must clearly distinguish included cards from props or other items shown only for illustration.

3.2 Seller delivery methods and local pickup

Sellers set the delivery methods available for their listings. A method may specify a carrier or service, tracked or untracked delivery, a base charge, a per-item charge and a free-shipping threshold.

The available methods and resulting charge are shown at checkout. Sellers must accurately describe each method and honour the method selected by the buyer. Selecting an untracked method does not, by itself, waive buyer protection or any right under the Australian Consumer Law.

Unless expressly stated otherwise, dispatch and delivery times are estimates. Sellers must disclose their handling time and any material delivery restrictions. A seller must not demand an additional delivery charge after purchase without the buyer's agreement.

For local pickup, the buyer and seller must agree on the collection details through the order or messaging process. No carrier delivery is provided for a pickup order. Both parties should retain a record of collection.

CardYard does not pack, dispatch or deliver marketplace orders. The seller is responsible for fulfilling the order using the selected delivery method or agreed pickup arrangement.

3.3 Seller promotions and coupons

Sellers may offer store promotions, spend-based discounts and coupon codes. The applicable store, eligible items, minimum spend, discount, validity period, usage limits and any exclusions must be disclosed before purchase.

Checkout will show which eligible promotion or coupon has been applied. Whether offers can be combined, and whether shipping counts towards a minimum spend, must be disclosed in the offer or at checkout.

A seller must honour a promotion validly applied to a completed order. Changing or ending a promotion does not retrospectively change an existing order.

Discounts reduce the relevant item price before the final value fee is calculated under section 7. A refund will be based on the amount actually paid for the affected goods, subject to any additional remedy required by law.

4. Selling

• By listing an item you represent that you own it, are entitled to sell it, and that the description (including condition and authenticity) is accurate.
• You set your price, sale type (Buy It Now, Auction, or Make an Offer) and delivery terms within the platform's options.
• Sellers receive payouts to a connected bank account via Stripe Connect. Payouts require a completed Stripe onboarding. We may hold or delay payouts where required by law, our payment provider, or a dispute.
• You are solely responsible for any GST, income tax or other obligations arising from your sales. If you are registered for GST, you are responsible for charging and remitting GST as applicable.
• Prohibited items include counterfeit or unauthorised reproductions, stolen goods, and any item the sale of which is unlawful. We may remove listings and suspend accounts that breach this.

For a bundle, you must accurately identify every included card and quantity, and disclose material condition differences between cards. You must supply the whole bundle as described. You must not substitute or omit cards without the buyer's express agreement.

4.1 We-buy: selling cards directly to CardYard

Separate purchase arrangement. Our we-buy service allows you to offer cards for sale directly to CardYard. It is separate from listing cards for sale to other marketplace users. You must own the submitted cards and have the right to sell them free of any security interest or other third-party claim.

Submission and assessment. You must accurately identify the cards and disclose known damage, alterations and authenticity concerns. You are responsible for packaging the cards securely and paying the cost of sending them to our nominated intake address. We recommend tracked delivery. Sending cards to us authorises inspection and assessment; it does not, by itself, transfer ownership.

Any amount displayed before physical inspection is an estimate. We assess each submission for identity, authenticity and condition. Our internal assessment is not an independent grading certificate and does not guarantee a future resale price.

Purchase offer. After assessment, we will provide an itemised offer showing the value used for each card, the applicable condition multiplier and the resulting payout:

• store credit: 85% × the assessed card value × the applicable condition multiplier; or
• cash: 65% × the assessed card value × the applicable condition multiplier.

The offer will state its acceptance deadline. We will not treat silence as acceptance of a reduced or revised offer. You may accept or reject the offer before that deadline.

Ownership and payment. A purchase contract is formed when you accept our final offer. Ownership transfers to CardYard when the agreed store credit has been issued or the agreed cash payout has been successfully paid. Until then, we hold the cards in our custody and must take reasonable care of them. After ownership transfers, CardYard may retain or resell the cards.

The final offer will state the payout method and expected payment time. We may require reasonable identity, ownership and payout verification before completing the purchase.

Rejected or withdrawn submissions. If you reject our offer, or we decline to buy the cards, you may arrange collection or authorise a carrier to collect them. Any return-delivery charge must be disclosed and accepted before it is incurred. CardYard does not provide return-shipping fulfilment. We do not acquire ownership merely because you reject an offer or do not respond.

We may retain cards where reasonably necessary to investigate suspected theft, counterfeiting or fraud, or where required by law. We will not destroy, dispose of or treat uncollected cards as our property except as permitted by applicable law.

Store credit. If you select store credit, the offer will identify where it can be used and disclose any restrictions before you accept. Once issued, store credit cannot be exchanged for cash merely because you change your mind. This does not limit any right to a refund or other remedy required by law.

Fees. Marketplace final value fees and buyer card-processing surcharges do not apply to our purchase of your cards through we-buy. Any separate we-buy charge must be expressly disclosed before you submit your cards.

4.2 Storefronts

You may customise your public storefront with a shop name, biography, banner, logo, social links and categories, including category images.

You are responsible for ensuring that this content is accurate, lawful and does not infringe another person's rights or falsely imply an affiliation, authorisation or endorsement.

Storefront content is public and may be viewed, copied or indexed by search engines. Do not publish private contact details, another person's personal information or confidential material without lawful authority.

A shop name does not change the identity of the person or business responsible for the store's sales.

4.3 Vacation mode

Vacation mode hides your store's listings while the mode is active. It does not cancel existing orders, accepted offers or other commitments, and does not extend a dispatch deadline without the affected buyer's agreement.

You remain responsible for existing orders, customer messages, disputes and agreed trades. Vacation mode does not pause or cancel a Pro subscription.

4.4 Shopify integration

If you connect a Shopify store, you authorise CardYard to access and exchange the inventory, listing, order and customer information needed to operate the integration, within the permissions disclosed during installation.

The integration synchronises linked inventory and orders in both directions. A sale through your connected Shopify store can reduce the available quantity of the linked CardYard listing.

You must have authority to connect the store and provide the necessary customer information. You are responsible for giving your customers appropriate privacy notices and using synchronised information only for lawful store operations.

Synchronisation can be delayed or interrupted. You must monitor linked inventory, resolve discrepancies and promptly address overselling. You remain responsible for fulfilling your sales, without limiting CardYard's responsibility for its own service obligations.

Disconnecting the integration stops new synchronisation once disconnection takes effect. It does not cancel existing orders or automatically delete records already lawfully received by either service.

Shopify's terms also apply to your use of Shopify. A sale completed directly through Shopify does not become a CardYard-protected purchase merely because its inventory or order data is synchronised with CardYard.

4.5 Tracking and payout release

For supported tracked orders, CardYard registers the tracking number with TrackingMore to obtain carrier and delivery-status updates.

A carrier delivery scan may trigger release of the seller's funds, subject to payment-provider requirements and any applicable hold or dispute. Release of funds is not a finding that the order was correctly delivered, authentic or as described.

A delivery scan and payout release do not end the buyer protection claim window or restrict rights under the Australian Consumer Law. We may review other evidence where a buyer disputes the tracking result.

Sellers must provide genuine tracking information for the relevant order. A tracked method must not be represented as untracked, or an untracked method as tracked. Pickup orders must not be marked as carrier-delivered using unrelated tracking information.

5. Auctions

• Auctions use proxy (maximum) bidding. Your maximum is confidential; the system bids on your behalf only as needed up to your maximum.
• A bid is a binding commitment. By placing a bid you agree to pay the final price if you are the winning bidder.
• You must save a valid payment method through Stripe before you can bid. Stripe stores the payment credentials; CardYard receives payment-method identifiers needed to associate the saved method with your account. Saving a card does not itself charge it.
• Your winning bid creates an obligation to pay. Any authority for CardYard to charge a saved method automatically must be expressly disclosed and accepted in the applicable payment or bidding flow; it is not created merely by saving a card.
• Auctions may extend automatically when bids are placed close to the end time (anti-snipe). The listed end time may therefore change.
• The winning bidder must complete payment for the item. Failure to pay may result in account suspension and the item being offered to the next bidder.

5.1 Auction lots

A Lot groups the listings identified on its auction page into one auction. A bid is for the entire Lot, and the winning bidder agrees to purchase all included listings for the final Lot price. It is not a separate bid for each constituent listing.

The Lot page must identify all included listings, their quantities and the applicable delivery or pickup arrangements. Sellers must not remove, substitute or sell an included item separately while it is committed to an active Lot.

Our auction rules, including binding bids, proxy bidding and any anti-sniping extension, also apply to Lots.

6. Offers and trades

An offer may propose a cash purchase or, where supported, an exchange of cards with or without an additional cash payment. An offer is not binding until accepted by the other party. An accepted offer creates an agreement on its recorded terms.

Before accepting a trade, each party must confirm the cards, quantities, condition, any cash adjustment, who pays each delivery charge and the dispatch or pickup arrangements.

Each party warrants that they own the cards they supply, have the right to transfer them and have accurately described their authenticity and condition. Each party is responsible for sending their own cards or making them available for agreed pickup. CardYard does not take custody of trade cards or provide shipping fulfilment.

Marking a collection card "For Trade" invites offers; it does not itself create a binding trade.

Section 9 applies to an eligible purchase order created through CardYard's checkout. It does not promise a cash refund of the asserted value of cards exchanged outside such an order. Any additional protection offered for a trade must be expressly stated before acceptance.

Nothing in this section excludes rights or remedies that apply by law.

7. Fees

7.1 Pro subscriptions

Pro is a paid, recurring seller subscription processed through Stripe. Before you subscribe, we will display the subscription price, billing interval, applicable GST, included benefits and any introductory terms.

By subscribing, you authorise recurring charges to your nominated payment method at the displayed interval until you cancel. Your subscription renews automatically unless cancelled before the next renewal charge.

While your Pro subscription is active, your final value fee is 3.5% instead of the standard 4%, subject to any promotion that provides a lower rate. The applicable status is determined when the sale is completed.

You may cancel through your subscription settings or by contacting [email protected]. Cancellation takes effect at the end of the current paid subscription period. Pro benefits continue until then, and no further renewal charge will be made after cancellation takes effect.

We do not ordinarily provide a pro-rata refund solely because you cancel part-way through a billing period. This does not exclude any refund or other remedy required by the Australian Consumer Law.

If a renewal payment fails, we may suspend Pro benefits after notifying you. Any resulting change to the final value fee applies only to subsequent sales, not retrospectively.

We will give at least 30 days' notice of an increase to the subscription price or a material reduction in benefits. Such a change will not take effect during a period you have already paid for. You may cancel before the change applies.

7.2 Seller referral rewards

A referred seller may qualify for the referral reward displayed when they join the relevant offer. The offer must identify the recipient, reward amount and form, eligibility requirements, what constitutes a qualifying first sale, and when the reward is issued.

Unless the offer expressly states otherwise, referring another person does not itself entitle the referrer to a reward.

Self-referrals, duplicate accounts, sham transactions and other attempts to manufacture eligibility are prohibited. We may withhold or reverse a reward where we have reasonable evidence that it was obtained through such conduct, and will explain the reason on request.

Changes to a referral offer do not retrospectively remove a reward already earned under its published conditions.

Seller final value fee

For each completed marketplace sale, CardYard charges the seller a final value fee calculated on the item price actually paid after applicable discounts, plus the shipping amount charged to the buyer:

• standard sellers: 4%;
• sellers with an active Pro subscription: 3.5%; or
• an eligible seller's first five sales under the introductory promotion: 0%.

The buyer card-processing surcharge is not included in the final value fee calculation. The introductory promotion waives only the final value fee; it does not waive a Pro subscription charge or the buyer card-processing surcharge.

Buyer card-processing surcharge

For a card payment, the buyer pays a card-processing surcharge displayed at checkout under the label "Buyer protection fee". The surcharge is 1.7% of the discounted item total plus the selected shipping charge, plus A$0.30 per payment.

Despite its checkout label, this is a card-payment processing surcharge retained by CardYard, not an insurance premium or a separate purchase of statutory consumer rights. Our contractual buyer protection is described in section 9.

The surcharge and total amount payable are displayed before payment is authorised. The applicable charge must not exceed the amount permitted by Australian payment-surcharge law.

Collection and taxes

CardYard uses Stripe Connect destination charges. CardYard retains the seller final value fee and buyer card-processing surcharge through the application fee associated with the payment. The seller's proceeds are transferred through Stripe, subject to applicable deductions, refunds, holds and payout requirements.

The published CardYard fee rates and amounts include GST where applicable; GST is not added again on top of those published amounts. The GST treatment of a seller's goods is separate from the GST treatment of CardYard's services. Sellers remain responsible for their own tax obligations.

8. Australian Consumer Law

• Nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other law that cannot be excluded.
• For marketplace sales between users, the identified seller is responsible for the sale. Where that seller supplies goods in trade or commerce, the Australian Consumer Law consumer guarantees generally apply. Not all consumer guarantees apply to private sales, although certain guarantees concerning title, undisturbed possession and undisclosed securities can still apply. Legal rights depend on the circumstances, not solely on how a seller labels their account.
• CardYard remains responsible for its own services and representations. If CardYard itself sells goods, it is responsible for the obligations applicable to it as the seller. For we-buy purchases, CardYard is the contracting buyer and is responsible for its own contractual and legal obligations.
• Describing a sale as an online auction does not, by itself, exclude consumer guarantees.
• Sellers must not engage in misleading or deceptive conduct, including in descriptions, photos, condition or authenticity.

9. Buyer protection (Money-Back Guarantee)

Our contractual Money-Back Guarantee covers purchases completed through CardYard's marketplace checkout where an item is not received by the latest estimated delivery date or is materially not as described, including its condition, quantity or authenticity.

Claim deadline

For an item received, report the problem through the order page within 30 days after delivery. For an item not received, report the problem within 30 days after the latest estimated delivery date shown for the order.

If tracking incorrectly records delivery, you may dispute that record. For a local-pickup order, the 30-day period begins on collection, or on the agreed collection date if the seller fails to make the goods available.

These deadlines govern our additional contractual guarantee only. They do not impose a 30-day limit on rights or remedies under the Australian Consumer Law or other applicable law.

Claims and evidence

Tell us what went wrong and provide reasonably available supporting information, such as listing screenshots, photographs, messages and tracking information. We will give the parties a reasonable opportunity to respond and assess the relevant evidence.

A delivery scan or release of the seller's funds does not, by itself, defeat a claim. An untracked delivery choice does not automatically exclude cover.

Returns and refunds

For an accepted claim under this guarantee, we may require the affected goods to be returned to the seller. Unless an applicable ACL consumer guarantee requires otherwise, the buyer pays return shipping for a return under this contractual guarantee.

Where an ACL consumer guarantee applies, responsibility for return costs and any reimbursement is determined by the ACL. In particular, reasonable return costs for confirmed faulty or otherwise non-conforming goods must be borne or reimbursed by the supplier where the law requires. Where legally required, the supplier must arrange collection at its expense.

Do not return suspected counterfeit goods until you have received lawful return or handling instructions. CardYard does not provide return-shipping fulfilment.

For a full-order refund approved under this guarantee, the refund includes the item price paid, original shipping charge and buyer card-processing surcharge. For a partial-order claim, the refund includes the affected item amount and the appropriately attributable charges. This does not limit any additional remedy required by law.

The guarantee does not provide a change-of-mind return right. It does not cover direct Shopify purchases, we-buy submissions or exchanges of trade cards merely because they are recorded on CardYard.

The checkout label "Buyer protection fee" refers to the processing surcharge explained in section 7. It does not mean you must purchase your ACL rights. Any Buyer Protection page must be read consistently with this section and cannot reduce non-excludable legal rights.

10. Responsibility and liability

CardYard does not independently inspect or authenticate every listing submitted by marketplace sellers. Information supplied by a seller remains that seller's responsibility. Any inspection or assessment performed for we-buy is governed by section 4.1 and does not amount to authentication of unrelated marketplace listings.

We do not promise uninterrupted or error-free availability. We will exercise the care and skill required by law in providing our services.

Each party remains responsible for loss caused by its own breach of contract, negligence, fraud or other unlawful conduct, subject to applicable law. Neither party is responsible for loss to the extent caused by the other party's conduct, and each must take reasonable steps to mitigate its loss.

Nothing in these Terms excludes or limits a non-excludable right, consumer guarantee or remedy, or limits CardYard's obligation to pay an agreed we-buy purchase price, provide a refund due, account for money owed, or take reasonable care of cards in its custody.

11. Prohibited conduct

You must not use CardYard to: breach any law; infringe intellectual property; post false, misleading or defamatory content; manipulate auctions or prices (including shill bidding); harvest user data; or interfere with the operation of the platform.

11.1 Reviews

Buyers may rate and review sellers through the review features available for their orders. Reviews must reflect a genuine transaction and the reviewer's honest experience.

You must not submit fabricated reviews, review your own store, coordinate misleading ratings, threaten a review to obtain an unrelated benefit, or offer a benefit conditional on a positive review. Any permitted incentive for providing a review must be disclosed and must not depend on its rating.

Do not publish delivery addresses, payment details, private messages or other unnecessary personal information in a review.

We may remove or restrict reviews that breach these Terms or applicable law. We do not remove a review merely because it is negative. A person affected by a review may report it through the platform or contact [email protected].

12. Intellectual property and user content

CardYard and its branding belong to us or our licensors. You retain ownership of content you submit.

You grant CardYard a non-exclusive, royalty-free licence to host, copy, resize, remove embedded image metadata, display and transmit your content as reasonably needed to operate the features for which you supplied it.

We may use content you make public to promote the relevant listing, storefront or CardYard marketplace. This permission does not extend to using private messages, private collections, bank details or non-public we-buy submissions in advertising without separate permission.

You must have the rights and permissions needed to submit the content. You must not upload content that infringes another person's intellectual property or unlawfully discloses personal information.

After removal, we will stop new public use of the content within a reasonable time, subject to records lawfully retained, routine backup cycles and copies already distributed outside our control.

13. Suspension and termination

We may restrict or suspend an account where reasonably necessary to address a material breach of these Terms, suspected fraud, security risks, legal requirements or a material risk of harm to other users.

Where practicable, we will explain the reason and give you an opportunity to respond or remedy the issue. We may act without advance notice where urgency, law or a genuine security or investigation concern requires it. You may request a review at [email protected].

You may close your account at any time. Closure does not cancel existing orders, accepted trades or we-buy agreements, erase amounts lawfully owed, or authorise forfeiture of your property.

If CardYard permanently ends your paid Pro service before the end of a paid period, we will refund the unused portion unless a different outcome is lawfully justified. We will provide a reasonable means to resolve outstanding funds, cards and lawfully held store credit.

14. Changes to these Terms

We may change these Terms to reflect changes to the service, law, security requirements or operating arrangements.

For a material change affecting your rights, obligations or fees, we will ordinarily give at least 30 days' notice by email or an account notice before it takes effect. A shorter period may apply where reasonably necessary to comply with law or address an urgent security or abuse risk, and we will explain that reason where practicable.

Changes apply prospectively. They do not retrospectively change an accepted order, trade, we-buy offer or entitlement already earned, or increase the price of a Pro period already paid for.

You may stop using the affected service or cancel a subscription before a change takes effect. Existing obligations and non-excludable rights remain unaffected.

15. Governing law

These Terms are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.

16. Contact

Questions about these Terms: contact us via the platform or at [email protected].