Terms of Service

1. Who we are and what these Terms cover

Rip Club is owned and operated by RipClub Holdings LLC, a Florida limited liability company (Florida document no. L26000506366) doing business as “Rip Club” (“Rip Club,” “we,” “us,” or “our”).

These Terms of Service (“Terms”) govern your use of the Rip Club mobile application, the website at ripclub.co, and related services (together, the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy and Official Odds page, which are part of these Terms.

Please read Section 20 (Dispute Resolution). It requires most disputes to be resolved by individual binding arbitration, waives class actions, and explains how to opt out within 30 days.

2. What Rip Club sells

Rip Club sells authentic physical trading cards, graded slabs, and sealed products. A pack rip is a purchase of one physical item, selected at random from a published tier of items we hold in inventory. The animation in the app reveals which item you purchased; it is not a game, contest, or wager.

We do not represent or guarantee the future value, resale price, or investment return of any item. Collectibles are sold for personal enjoyment, not as investments.

3. Eligibility

You may use the Service only if you are at least 18 years old, or the age of majority where you live (19+ in Alabama and Nebraska; 21+ in Mississippi, Massachusetts, Arizona, and Iowa), whichever is higher, and you are physically located in the United States.

The Service is not available to residents of, or persons located in, Washington, Idaho, Utah, Hawaii, Kentucky, South Carolina, Massachusetts, Illinois, Ohio, or any other jurisdiction where we determine it cannot lawfully be offered. We use geolocation and address verification, and we may update this list by posting notice in the app.

We may ask for proof of age, identity, or location at any time, including before your first purchase. You may not use a VPN, location spoofing, or another person's account to get around these limits.

If we learn that an account holder is under the required age, we will close the account and cancel unfulfilled orders. We will refund your unspent prepaid balance. For items already shipped, we will refund their purchase price if they are returned to us, or otherwise refund the purchase price less their fair market value.

4. Pack rips, odds, and title

Odds. Before you buy, the app shows each tier's price, the items or value ranges it can contain, and the odds of receiving each one. Odds always total 100%, and every rip delivers an item from our physical inventory. Odds are also posted at ripclub.co/odds.

Title. When a rip is complete, you own the specific physical item revealed. Until it ships, we hold it for you as described in Section 6.

App content. The app, its images, animations, and card displays are licensed to you for personal, non-commercial use under a limited, revocable, non-exclusive, non-transferable license. You do not own them.

Errors. If a technical error, database malfunction, or inventory discrepancy causes a rip to show the wrong item or an item we cannot deliver, we may correct it. If we do, you will receive, at your choice, a full refund of that rip or an item of equal or greater value from the same tier.

Beta and test versions. Purchases became real retail sales with app version 1.5 (build 67). In earlier beta, TestFlight, and test versions, all currency, credits, rewards, and cards were simulated, have no cash value, and create no right to physical items or payment.

5. Payments, store credit, and buybacks

Prices and fees. Pack prices shown in the app include all mandatory fees. Shipping fees are shown at checkout before you confirm a shipment.

Payment processing. Payments are processed by our third-party payment processor, Coinflow Labs, Inc. When you add funds, you may be buying a prepaid, closed-loop balance issued through that processor that can be used only for purchases on Rip Club (“Prepaid Balance”). The processor's terms also apply. A Prepaid Balance is not a bank account, earns no interest, and is not FDIC-insured. We may set daily and monthly limits on how much you can add.

Buybacks. You may offer to sell eligible items in your vault back to us at the buyback price shown in the app before you confirm. Buyback prices are based on recent independent market sales of that specific item, may change at any time, and are not guaranteed. We pay for buybacks only in Rip Club Store Credit.

Store Credit. Store Credit can be used only on Rip Club for pack rips, collectible purchases, and shipping fees. It does not expire and is not subject to dormancy, inactivity, or service fees. It earns no interest and cannot be transferred to another account. It cannot be redeemed for cash, except where the law requires. For example, California residents may request cash for a Store Credit balance under $15. To make a request required by law, email [email protected].

Unclaimed balances. Where required by law, we may report unused Prepaid Balance or Store Credit to a state as unclaimed property.

6. Vault storage

Items you own but have not shipped are held in our vault. We hold them as a bailee for our mutual benefit, using reasonable care in a secure facility, and we bear the risk of loss while they are in our custody.

If a vaulted item is lost, damaged, or destroyed before it is handed to a carrier, we will, at your choice, replace it with an equivalent item or credit you its fair market value at the time of loss. Fair market value is based on recent sold prices from independent sources such as PriceCharting and public marketplace sales.

Please tell us in writing at [email protected] within 30 days after you discover, or reasonably should have discovered, a missing or damaged vault item.

7. Shipping and risk of loss

You may request shipment of vaulted items to a US address for the shipping fee shown at checkout. We ship by commercial carrier, such as USPS or UPS, with tracking. We aim to ship within 5 business days of your request. If we cannot ship within the time stated, we will notify you and you may cancel the shipment for a refund of the shipping fee, with the items returned to your vault.

Risk of loss passes to you when the carrier receives the package. We will help you file claims for packages lost or damaged in transit. We are not responsible for misdelivery caused by an incorrect address you provided.

8. Values, grading, and condition

Market values shown in the app are estimates from recent third-party sales data, are for reference only, and change constantly. We do not guarantee that any item will keep or gain value.

Graded cards (PSA, CGC, BGS) are authenticated and sealed by independent grading companies. We are not responsible for their grades, sub-grades, or slab condition. Raw (ungraded) cards are authentic and sold in the condition received, as shown in the app.

9. Final sales, billing errors, and chargebacks

Because each pack is randomized, a pack rip cannot be returned or refunded once it starts, and completed buybacks are final. This does not limit any refund or billing-error rights you have under law, including the Fair Credit Billing Act and the Electronic Fund Transfer Act, or the error remedy in Section 4.

If you think you were charged in error, please email [email protected] so we can look into it.

If you file a chargeback or payment dispute, we may hold the items, Store Credit, or balance bought with the disputed payment, and may pause account activity, until the dispute is resolved. If it is resolved in our favor or withdrawn, we will lift the hold. If it is resolved in your favor, we may cancel the items or credit bought with the refunded payment.

We monitor for fraud. We may decline, limit, or cancel transactions that show signs of fraud, such as stolen payment methods, card testing, or repeated declines.

10. Promotions and acceptable use

Referral bonuses and promotional Store Credit are offered at our discretion and are subject to the terms shown with each offer. You may not:

• create multiple, duplicate, or automated accounts;
• refer yourself, or share referral codes among accounts controlled by the same person or household;
• use scripts, bots, emulators, or location spoofing;
• exploit a bug or vulnerability, or try to create balances or items you did not pay for;
• threaten, harass, or abuse other users or our staff, send malware, or access our systems without permission.

Promotional credit or items obtained by breaking these rules are void and may be removed. Items and balances you bought with your own money are not affected by a promotional cancellation, except as described in Sections 9 and 11. Display errors caused by bugs will be corrected under Section 4.

Nothing in these Terms limits honest reviews, good-faith complaints to government agencies, lawful payment disputes, or communication through a lawyer.

11. Your account, holds, and termination

Your account. You are responsible for activity on your account and for keeping your login secure. Tell us right away at [email protected] if you suspect unauthorized use.

Reviews and holds. If we reasonably suspect fraud, abuse, a payment risk (such as a processor risk flag, failed verification, card testing, or unusual activity), or a breach of these Terms, we may temporarily hold purchases, shipments, buybacks, or refunds while we review. We will try to finish reviews promptly. We are not responsible for changes in an item's market value during a hold.

Termination for cause. We may suspend or close an account for a serious or repeated breach of these Terms. If we do:

1. Vaulted items bought with valid, undisputed payments can be shipped to you if you ask at [email protected] within 30 days of our notice, for the standard shipping fee.
2. Items, credit, or rewards obtained through confirmed payment fraud, stolen payment methods, chargebacks resolved against you, or exploits are void.
3. Unspent Prepaid Balance not subject to a dispute or fraud claim will be refunded to the original payment method, less chargeback amounts and processor fees we were charged because of your conduct, itemized in writing.

Closing or deleting your account. You can delete your account in the app at any time. Before you do, ship any vaulted items you want and use or request any legally required refund of your balances. We will tell you in the app what happens to remaining items and balances before you confirm. We keep certain records as required by law.

12. Privacy

Our Privacy Policy explains how we collect, use, and share personal information, including identity-verification, geolocation, and payment data, and how to exercise any privacy rights you have under your state's law.

13. Accessibility

We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you have trouble using any part of the Service, email [email protected] and we will help you through another accessible method.

14. Intellectual property

Pokémon, the Pokémon Trading Card Game, and related names, characters, and images are trademarks and copyrights of Nintendo, Creatures Inc., GAME FREAK inc., and The Pokémon Company International. Rip Club is an independent reseller of authentic cards and is not affiliated with, sponsored, or endorsed by them. Card images are shown only to identify the specific items offered for sale. Card data and images are provided by pokemontcg.io. All other trademarks belong to their owners.

15. Copyright complaints (DMCA)

If you believe material on the Service infringes your copyright, send a notice to our designated agent at [email protected]. Your notice must include:

1. your physical or electronic signature, as the owner or someone authorized to act for the owner;
2. identification of the copyrighted work;
3. identification of the infringing material and where it is located on the Service;
4. your address, phone number, and email;
5. a statement that you believe in good faith the use is not authorized by the owner, its agent, or the law; and
6. a statement, under penalty of perjury, that the notice is accurate and that you are authorized to act for the owner.

If your material was removed, you may send a counter-notice as described in 17 U.S.C. § 512(g). We will close the accounts of repeat infringers in appropriate circumstances.

16. Apple and app store terms

Apple's Standard End User License Agreement governs your license to the app; these Terms govern your account and purchases. If you got the app from Apple's App Store:

• These Terms are between you and RipClub Holdings LLC, not Apple. Apple is not responsible for the app or its content.
• Apple has no duty to provide maintenance or support for the app.
• If the app fails to meet a warranty, you may notify Apple for a refund of the app's purchase price, if any. Apple has no other warranty obligation.
• We, not Apple, are responsible for any claims about the app, including product liability, legal or regulatory compliance, consumer protection, privacy, and intellectual property claims.
• You confirm you are not in a country subject to a US embargo or on a US government restricted-party list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

You must also follow any app store usage rules that apply to you.

17. Disclaimer of warranties

We warrant that every physical item we deliver is authentic. Other than that, and to the extent the law allows, the Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Some states do not allow these exclusions, so they may not apply to you.

18. Indemnification

You agree to defend, indemnify, and hold harmless RipClub Holdings LLC and its members, managers, employees, and agents from third-party claims, losses, and costs, including reasonable attorneys' fees, arising from your breach of these Terms, your fraud, or your unlawful conduct.

19. Limitation of liability

To the extent the law allows, RipClub Holdings LLC and its members, managers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill.

To the extent the law allows, our total liability for any claim relating to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the claim, or (b) the fair market value of the items at issue. This cap does not reduce our obligations for vaulted items under Section 6.

These limits do not apply to liability that cannot be limited by law, such as for fraud, gross negligence, or willful misconduct.

20. Dispute resolution and arbitration

Informal resolution first. Before starting arbitration or a court case, the party with the claim must send a written Notice of Dispute: to [email protected] if the claim is against us, or to your account email if it is against you. The notice must include the sender's name, account email, a description of the claim, and the relief requested, and must be signed by the claimant personally (and by any lawyer). We both agree to try to resolve it in good faith for 60 days. Statutes of limitation are paused during that period.

Binding individual arbitration. If it is not resolved, any dispute arising out of or relating to these Terms or the Service will be decided by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The Federal Arbitration Act governs this section. We will pay the fees the AAA Consumer Rules assign to businesses. Hearings may be held by video or phone, or in the county where you live.

Small claims. Either of us may instead bring an individual claim in small claims court in the county where you live or in Miami-Dade County, Florida, if the claim qualifies.

Class action waiver. You and we may bring claims only individually, not as a plaintiff or class member in any class, collective, or representative proceeding. If this waiver is found unenforceable for a claim or remedy, that claim or remedy will be decided by a court and will not proceed in arbitration.

Opting out. You may opt out of this arbitration agreement by emailing [email protected] from your account email within 30 days after you first accept these Terms. Include your name and a statement that you opt out of arbitration. Opting out does not affect the rest of these Terms or any earlier arbitration agreement you made with us.

Changes to this section. If we make a material change to this section, it will not apply to claims that arose before the change, and you may opt out of the change within 30 days of our notice.

21. Governing law and venue

Florida law governs these Terms, without regard to conflict-of-law rules, except where the law of your state of residence requires otherwise. Any court case permitted under Section 20, other than small claims in your home county, will be brought in the state or federal courts in Miami-Dade County, Florida.

Formal legal process may be served on RipClub Holdings LLC's registered agent listed with the Florida Department of State, Division of Corporations.

22. Changes to these Terms

We may update these Terms. For material changes, we will give at least 30 days' notice by email or a prominent notice in the app. Before a change takes effect, you may close your account and ship your vaulted items or request any legally required refund of your balances. If you keep using the Service after the effective date, you accept the updated Terms. Changes do not apply to a dispute for which a Notice of Dispute was already sent.

23. General terms

• Entire agreement. These Terms, the Privacy Policy, and the Official Odds page are the entire agreement between you and us about the Service.
• Severability. If any part of these Terms is unenforceable, the rest stays in effect, except as stated in the class action waiver in Section 20.
• Assignment. You may not transfer these Terms or your account. We may assign these Terms to an affiliate or to a successor in a merger, acquisition, or sale of assets, with notice to you.
• Force majeure. We are not responsible for delays or failures caused by events beyond our reasonable control, such as natural disasters, carrier or processor outages, or government action. This does not reduce our obligations for vaulted items under Section 6 except where we were not negligent.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Survival. Sections on title, Store Credit, vault obligations, disclaimers, indemnity, liability limits, and dispute resolution survive termination.
• Electronic communications. You agree to receive notices, disclosures, and agreements electronically, and that they satisfy any requirement to be in writing.
• Headings. Section headings are for convenience only.

24. Contact

RipClub Holdings LLC
7901 4th St N Ste 300, St. Petersburg, FL 33702

• Legal notices, DMCA notices, arbitration opt-outs, and compliance questions: [email protected]
• Customer support, orders, and refund requests: [email protected]