Hobby Card Index

Legal Disclaimers

Effective Date: February 21, 2026 · Last Updated: June 3, 2026

The following disclaimers apply to your use of Hobby Card Index and all related services. Please read these disclaimers carefully before using the Service.

1. Not Financial or Investment Advice

All pricing data, market analysis, trends, AI-generated insights, portfolio valuations, and other information provided through Hobby Card Index are for informational and entertainment purposes only. You should not make any financial decisions based solely on information obtained through Hobby Card Index.

The collectibles market is speculative and volatile. Values can decrease as well as increase. Past sales prices do not guarantee future values. You acknowledge that any investment in collectibles carries inherent financial risk, and you assume full responsibility for all purchasing, selling, and trading decisions.

We strongly recommend consulting with a qualified financial advisor before making significant investment decisions related to collectibles.

2. Pricing Data Disclaimer

2.1 Data Sources

Hobby Card Index aggregates pricing data from multiple third-party sources, including eBay completed and sold listings, a licensed historical pricing database, and other publicly available data sources. We do not independently verify the accuracy of data from these sources.

2.2 Limitations of Pricing Data

• Prices displayed may not reflect current actual market values.
• Completed sales data may include outliers, shill bids, cancelled transactions, or non-arm’s-length transactions.
• Prices may vary significantly based on card condition, grading service, centering, eye appeal, and other factors not fully captured in our data.
• Real-time pricing is subject to API delays, caching, and data processing lag.
• Historical pricing data may be incomplete or contain errors.

2.3 No Guarantee of Value

Any value estimate, appraisal, or price range displayed by Hobby Card Index is an estimate only and should not be relied upon as a guarantee of actual market value. Actual transaction prices may differ materially from values displayed in the Service.

3. AI and Machine Learning Disclaimer

3.1 Card Identification

Hobby Card Index uses Google Gemini AI for card scanning and identification. AI-generated results may contain errors, misidentifications, or inaccurate information. You should always visually verify and confirm any AI-generated card identification before relying on it for purchasing, selling, grading, or valuation purposes.

3.2 AI-Generated Insights

Market analysis, predictions, trend forecasts, and other AI-generated content are algorithmic outputs based on historical data and statistical models. These outputs are not guarantees of future performance and should not be treated as expert opinions.

3.3 AI Limitations

• AI models may produce incorrect, incomplete, biased, or misleading results.
• AI models may not account for recent market changes, emerging trends, or unusual conditions.
• AI-generated text may contain factual errors or hallucinations.
• AI accuracy may vary depending on image quality, card condition, and card type.

4. Third-Party Services Disclaimer

Hobby Card Index integrates with and relies upon third-party services. We are not responsible for:

• The availability, accuracy, or reliability of any third-party service
• Changes to third-party APIs, terms of service, or pricing that may affect Hobby Card Index functionality
• Data breaches, outages, or errors originating from third-party services
• Content, products, or services offered by third parties

Your use of third-party services is governed by their respective terms and privacy policies. We encourage you to review those terms independently.

5. Service Availability Disclaimer

Hobby Card Index is provided on an “as available” basis. We do not guarantee uninterrupted, continuous, or error-free access to the Service. The Service may be temporarily unavailable due to:

• Scheduled or unscheduled maintenance
• Third-party API outages or rate limiting
• Network connectivity issues
• Software bugs or technical difficulties
• Force majeure events

We will make reasonable efforts to restore service availability but make no guarantees regarding uptime or response times.

6. Grading and Authentication Disclaimer

Hobby Card Index may display grade information (e.g., PSA, BGS, SGC, CGC grades) associated with cards and collectibles. This information is sourced from third-party data and user input. Hobby Card Index does not perform card grading or authentication services. We do not verify the accuracy of grade designations displayed in the Service. The presence of grade information does not constitute a certification or guarantee of authenticity.

7. Portfolio Valuation Disclaimer

Portfolio valuations displayed in Hobby Card Index are estimates calculated using available pricing data and algorithmic methods. These valuations are not appraisals and should not be used for insurance, tax, estate planning, or other purposes requiring professional valuation. Actual portfolio value may differ significantly from estimated values. For official valuations, consult a qualified appraiser.

8. Tax Disclaimer

Hobby Card Index does not provide tax advice. Profits and losses from buying, selling, and trading collectibles may have tax implications (in Canada, this may include capital gains and Canada Revenue Agency reporting obligations). You are solely responsible for understanding and complying with the tax laws that apply to you. We recommend consulting a qualified tax professional for guidance on reporting collectible transactions.

9. User-Generated Content Disclaimer

Hobby Card Index may display content contributed by users, including collection data, notes, tags, and other user-generated information. We do not verify user-generated content and are not responsible for its accuracy or completeness. Views expressed in user-generated content do not represent the views of Hobby Card Index.

10. No Warranty

THE SERVICE, INCLUDING ALL CONTENT, DATA, FEATURES, AND FUNCTIONALITY, IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. WE SPECIFICALLY DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTY THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

11. Limitation of Damages

UNDER NO CIRCUMSTANCES SHALL HOBBY CARD INDEX, ITS OPERATORS, AFFILIATES, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This limitation applies to, but is not limited to:

• Financial losses from collectible purchases, sales, or trades
• Loss of data, including collection or portfolio information
• Loss of profits or business opportunities
• Damages resulting from reliance on any content or information obtained through the Service
• Damages resulting from third-party service failures or data inaccuracies

12. Acknowledgment

By using Hobby Card Index, you acknowledge that you have read, understood, and agree to be bound by these disclaimers. You understand that collectible markets involve inherent risks and that Hobby Card Index is a tool for information and entertainment purposes only.

13. Contact Information