Legal

Terms of Service

Effective date: April 30, 2026

These Terms of Service ("Terms") govern your use of the BinderIQ application (the "App") and the binderiq.app website (the "Website"), operated by Vera RCM, Inc. ("we," "us," or "our"). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App on any iPhone or iPad you personally own or control, subject to these Terms and the Apple Media Services Terms and Conditions. This license is for personal or internal business use only.

Free Trial and Subscription

The App is free to download and use. The free tier supports a collection of up to 100 cards. To exceed that limit or to use AI Card Intelligence lookups, you may subscribe to one of the following auto-renewing tiers, billed through the App Store: Premium ($0.99/month or $9.99/year, includes 10 AI lookups per month), Pro ($7.99/month or $79.99/year, includes 500 AI lookups per month), or Unlimited ($12.99/month or $129.99/year, no AI lookup cap). All prices are USD or local equivalent. All payment processing is handled entirely by Apple through StoreKit 2. We do not collect, receive, process, or store any payment information, including credit card numbers, billing addresses, or Apple ID credentials. Family Sharing availability is determined by the configuration of each tier in App Store Connect; check the App Store listing for the most current Family Sharing status. If your subscription lapses, the App enters a read-only mode preserving your collection data while disabling write operations until renewal.

Restrictions

You may not:

  • Reverse engineer, decompile, or disassemble the App or any part of it
  • Redistribute, sublicense, rent, lease, or lend the App to third parties
  • Remove or alter any proprietary notices, labels, trademarks, or marks in the App
  • Use the App for any unlawful purpose or in violation of any applicable laws or regulations
  • Use the App to infringe on the intellectual property rights of any third party
  • Attempt to gain unauthorized access to any systems, networks, or data connected to the App

Intellectual Property

The App, including its design, code, graphics, machine learning models, and documentation, is owned by Vera RCM, Inc. and protected by copyright, trademark, and other intellectual property laws. The BinderIQ name, logo, and all associated branding are trademarks of Vera RCM, Inc. Your subscription or use of the App grants a license to use the App; it does not transfer ownership of any intellectual property.

Your Data and Content

You retain all rights to the card images, metadata, and any other content you create, import, or store using the App ("Your Content"). We do not claim any ownership of Your Content. You are solely responsible for the content you store in the App, including ensuring you have the right to photograph, store, and share any card images.

When you enable iCloud Sync, Your Content is stored in your private iCloud account using Apple's CloudKit infrastructure. We do not have access to your iCloud data. iCloud storage is governed by Apple's iCloud Terms of Service.

Third-Party Services

The App may connect to third-party services when you explicitly initiate certain features:

  • PSA and Beckett grade lookups: retrieves grading data using certificate numbers you provide
  • eBay Card Lookup: searches eBay for card listings and pricing data

We are not responsible for the accuracy, availability, or content of any third-party service. Third-party services are governed by their own terms and privacy policies. We make no warranties or representations regarding any third-party data, including but not limited to card grades, population counts, pricing, or listing availability.

Accuracy of Information

The App uses machine learning and optical character recognition (OCR) to detect, crop, and read trading cards. These technologies are inherently imperfect. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CARD DETECTION, OCR TEXT EXTRACTION, DUPLICATE MATCHING, GRADE LOOKUP, PRICE DATA, OR OTHER INFORMATION PROVIDED BY THE APP. You should independently verify any information before making purchasing, selling, or trading decisions based on data from the App.

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CARD DETECTION, OCR OUTPUT, DUPLICATE MATCHING RESULTS, GRADE LOOKUPS, PRICE DATA, OR ANY OTHER CONTENT DISPLAYED OR GENERATED BY THE APP.

WE DO NOT WARRANT THAT ICLOUD SYNC WILL OPERATE WITHOUT INTERRUPTION OR DATA LOSS. WE ARE NOT RESPONSIBLE FOR ANY DATA LOSS, CORRUPTION, OR SYNC FAILURES CAUSED BY APPLE'S ICLOUD INFRASTRUCTURE, NETWORK CONDITIONS, OR DEVICE STORAGE LIMITATIONS.

YOU USE THE APP ENTIRELY AT YOUR OWN RISK.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VERA RCM, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • LOSS OF DATA, CARD IMAGES, COLLECTION RECORDS, OR METADATA
  • LOSS OF PROFITS, REVENUE, OR ANTICIPATED SAVINGS
  • LOSS OF GOODWILL OR REPUTATION
  • BUSINESS INTERRUPTION
  • COST OF SUBSTITUTE SERVICES
  • DAMAGES ARISING FROM INACCURATE CARD DETECTION, OCR ERRORS, INCORRECT DUPLICATE MATCHING, WRONG GRADE LOOKUPS, OR INACCURATE PRICING DATA
  • DAMAGES ARISING FROM PURCHASING, SELLING, OR TRADING DECISIONS MADE IN RELIANCE ON APP DATA
  • DAMAGES ARISING FROM ICLOUD SYNC FAILURES, DATA CORRUPTION, OR DATA LOSS
  • ANY OTHER DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP

THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING UNDER OR IN CONNECTION WITH THESE TERMS SHALL NOT EXCEED THE TOTAL AMOUNT YOU ACTUALLY PAID TO US FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Indemnification

You agree to indemnify, defend, and hold harmless Vera RCM, Inc., its officers, directors, employees, agents, affiliates, licensors, and suppliers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

  • Your use of or access to the App or Website
  • Your Content, including any card images or data you store, share, or export
  • Your violation of these Terms
  • Your violation of any applicable law, regulation, or third-party right
  • Any dispute between you and any third party arising from your use of the App, including disputes related to card transactions, trades, or valuations

No Responsibility for Data Loss

While the App stores data locally on your device and optionally syncs via iCloud, we accept no responsibility for any data loss, corruption, or damage to your collection data, card images, or metadata that may occur in connection with your use of the App, whether caused by software defects, device failure, iCloud sync issues, operating system updates, or any other cause. You are solely responsible for maintaining backups of your data.

No Financial or Investment Advice

The App may display card values, pricing data, eBay listings, and market information. This information is provided for informational purposes only and does not constitute financial advice, investment advice, or a recommendation to buy, sell, or trade any card or collectible. We are not responsible for any financial losses resulting from purchasing, selling, or trading decisions made using information from the App.

Apple App Store Terms

The App is distributed through the Apple App Store. Your use of the App is also subject to Apple's Media Services Terms and Conditions. In the event of any conflict between these Terms and Apple's terms regarding the App, Apple's terms shall govern to the extent of the conflict. Apple has no obligation to provide maintenance, support, or warranty services for the App. Apple is not responsible for addressing any claims relating to the App, including product liability claims, consumer protection claims, or intellectual property claims.

Termination

We may terminate or suspend your license to use the App at any time, with or without cause, and with or without notice, if you violate these Terms. Upon termination, you must stop using the App and delete all copies. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property, disclaimers, limitation of liability, indemnification, and governing law.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Cook County, Illinois. You waive any objection to the exercise of jurisdiction over you by such courts and to venue in such courts.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Vera RCM, Inc. regarding your use of the App and supersede all prior agreements, understandings, and communications, whether written or oral.

Changes to These Terms

We may update these Terms from time to time. If we make changes, we will update the effective date at the top of this page. Continued use of the App after changes are posted constitutes acceptance of the revised Terms.

Contact Us

If you have questions about these Terms, contact us at:

Vera RCM, Inc.
Chicago, IL