The deal, in
plain language.

These terms are the agreement between you and PullBinder, LLC, a Florida limited liability company (“PullBinder”, “we”, “us”), when you use the site and app. Short version: track your cards, keep an honest record, understand that valuations are estimates, and know what you are agreeing to if you subscribe.

Effective October 1, 2026 · previous version effective September 11, 2026

What PullBinder is

PullBinder is a collection and portfolio tool for trading cards: you catalog what you own, we estimate what it's worth using market data, and you can share your binder. By creating an account you accept these terms; if you don't accept them, don't use the service.

Valuations are estimates, not promises

Every value on PullBinder is an estimate drawn from market data, refreshed on a schedule, and capable of being wrong. Values are not appraisals, offers to buy, guarantees of sale price, or investment advice. Never make a financial decision on a PullBinder number alone.

Not financial advice

Everything PullBinder shows about a card (the estimate, the price history, the 30-day trend, the spread, any number that moves) is market information, not a recommendation. The same goes for everything we compute about your portfolio: realized and unrealized gains, holding periods, MOIC, IRR, the performance index, the liquidity score, and every figure in the year-end export. Each is built from two approximations: our estimate of what a card is worth, and the cost basis you entered, to the best of your knowledge. Wrong basis in, wrong return out. They are a bookkeeping aid for your own use: not a valuation, not an audited statement, and not a reason to buy or sell anything. We are not a broker, dealer, or financial adviser, and using PullBinder creates no such relationship. Trading cards are speculative: prices fall as easily as they rise, and past movement predicts nothing. Do your own research, and for anything that actually matters to your finances, talk to a qualified professional before you act.

Who these protections cover, and what you give up

Please read this section. It defines a term the rest of this agreement relies on, and it limits what you can bring against us.

The Released Parties. In these terms, PullBinder, LLC and its members, managers, officers, employees, contractors, agents, affiliates, successors and assigns are together the “Released Parties”. Where a section below limits liability, requires indemnification, or disclaims a warranty in favor of the Released Parties, it does so for every one of them, not only for the company.

Release. To the fullest extent permitted by law, you release, waive, acquit and forever discharge the Released Parties from any and all claims, demands, damages, losses, liabilities, costs, expenses and causes of action of every kind and nature, including pre‑litigation demands, and proceedings before any court, arbitrator, agency or other administrative or regulatory body, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, foreseen or unforeseen, at law or in equity, arising out of or in any way connected with: (a) any decision you make in reliance on a value, estimate, return, holding period or other figure PullBinder shows you; (b) anything you choose to publish or send through the service, including a public profile or a share link, and anything anyone does with it once you have; and (c) any claim that the Released Parties failed to prevent, detect, warn of, investigate, police, moderate or remedy any of the foregoing, however that claim is characterized, including claims framed as negligence, gross negligence, negligent design, failure to warn, negligent misrepresentation, breach of an assumed or voluntary duty, unjust enrichment, unfair or deceptive trade practices, or any statutory consumer‑protection claim.

Claims you do not know about. You expressly waive the benefit of California Civil Code section 1542, which provides: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” You also waive any comparable provision of the law of any other jurisdiction.

This release does not extend to liability that the law does not permit us to release, which, in most places, means our own fraud, gross negligence or willful misconduct, or death or personal injury caused by our own negligence. It is otherwise given to the fullest extent the law allows.

We may moderate, and we do not have to

We may, but are not obliged to, review content, profiles, handles or accounts. If we do review or act in a particular case (removing content, suspending an account, or answering a question), that action is entirely voluntary and discretionary, creates no duty to act again or in any other case, and is not a representation that anything on the service has been checked. No course of dealing, assistance, moderation or communication from us gives rise to any duty of care, undertaking, guarantee, or assumption of responsibility toward you or toward anyone else.

If something on PullBinder breaks these terms (an abusive handle or bio, an impersonation, a deceptive listing), report it to [email protected]. We read what comes in and act on it at our discretion, but we do not undertake to investigate any particular report, to act on it, or to act within any period of time.

Paid plans

PullBinder has a free tier and paid tiers. The free tier is a real product, not a trial: cataloging your cards, valuing them, recording what you bought and sold are free today. What sits in the free tier is our decision and we may change it. Recording a sale is free on every tier. Paid plans add detail you can record (several purchases of one card at different prices and dates) and reporting and analysis on top of it.

• Monthly only, and it renews monthly. You are charged the price shown at checkout, in advance, on the same date each month, and it continues automatically until you cancel. We may change what a plan costs; see Price changes below.
• There is no annual plan, on purpose. A year paid up front means a large charge reappearing twelve months later, when you have forgotten what it was for: the single most-disliked thing about subscriptions. Thirty days is short enough that leaving costs you almost nothing, which is the right amount of leverage for you to have over us.
• Cancel anytime: open Plan in your account menu and switch to Starter. No phone call, no email, no retention script. Cancelling stops the next charge; it does not claw back the period you have already paid for.
• We keep the receipt of what you agreed to. When you confirm a plan we record the exact price shown on your screen at that moment, and our server refuses the charge if the amount does not match it. That record exists so neither of us has to rely on memory.
• Changing plans. Move up and the change takes effect immediately, prorated for the rest of the period. Move down and it takes effect at the end of the period you have already paid for; you keep what you bought until it runs out.
• Cancelling. Cancel any time from Plan in your account menu, as above. Your plan runs to the end of the paid period and then stops. No cancellation fee, and you never have to email us to leave.
• Refunds. Subscription fees are not refundable except where the law requires it, where we billed you in error, or as expressly provided elsewhere in these terms, in which case tell us and we will fix it.
• If we shut the service down. We may change, suspend or discontinue the service, in whole or in part, at any time and without liability to you. We will normally tell you before it happens and normally keep the lights on until the month you have already paid for runs out, but neither is a commitment and no refund is owed. Because billing is monthly, what is ever at stake is at most thirty days, which is the point of billing monthly.
• If you stop paying. Your account and your data stay. You keep your cards, your history and your export; the paid views simply lock. It is not our practice to delete a collection because a subscription lapsed. We may close an account that has been inactive for a long time, and we will normally email you first so you can export.
• Price changes. We may change our prices at any time by posting the change. A new price applies to a subscription you are already on at its next renewal, and we will give you at least 30 days' advance notice (by email or on screen) before that renewal. You can cancel at any time from Plan in your account menu, and cancelling before the renewal means you are never charged the new amount.

Age: 13 to use PullBinder, 18 to buy a plan

Anyone 13 or older can use PullBinder, and under-18s may do so with a parent or guardian who accepts these terms for them and is responsible for what they do here.

Buying a plan needs 18, because it is a recurring contract: to start one you must be 18 or older and legally able to enter a contract, or have a parent or guardian buy it and hold the account. By starting a plan you are telling us that is true.

Reports are for you, not for filing

PullBinder computes realized gains, holding periods, multiples and rates of return from the purchases and sales you enter, measured against the cost basis you recorded for the specific copy you identified as sold. We do not compute or allocate cost basis. If a single purchase covered several different cards, deciding how much of that price belongs to each one is your judgement, made before the figures reach us. It is bookkeeping, and it is only as accurate as what you record.

Nothing here is tax advice. It is not a tax document. We do not issue 1099s, we do not report anything to any tax authority, and nothing PullBinder produces is a substitute for your own records or for professional advice. We do not know your circumstances, and no figure PullBinder produces is a determination of your tax position. What you entered as cost basis has real consequences on your return. Before you file anything, talk to an accountant.

Real cards only

PullBinder is for genuine cards. Don't catalog or share counterfeits, reproductions, proxies, or custom or fan-made cards passed off as the real thing, and don't misrepresent what a card is or what condition it's in. We build this into the product (our pricing deliberately ignores proxy and custom listings) and we may remove content or suspend accounts that deal in fakes.

Your account and @handle

Keep your account information accurate and your credentials to yourself. Handles are first-come, first-served, but must not impersonate someone else, contain offensive language, or squat a name in bad faith; we may reclaim or reassign handles that do. You must be at least 13 to use PullBinder, and if you're under 18 you may only use it with a parent or guardian who agrees to these terms for you and is responsible for what you do here.

Your content

The photos and bios you post remain yours. You grant PullBinder and its affiliates and successors a worldwide, non-exclusive, royalty-free, fully paid-up, perpetual, irrevocable and sublicensable licence to host, store, back up, cache, reproduce, resize, adapt, publish, perform, display, distribute, create derivative works of and otherwise use that content, in any medium and for any purpose, without compensation or attribution to you. That includes operating, securing, supporting and improving the service, showing content to the people you direct it at (your profile visitors, anyone holding a share link you created), reviewing it for safety or moderation, and promoting PullBinder. Deleting content removes it from the service going forward; the licence survives as to copies already made and uses already begun. You waive any moral rights in the content, and you represent that you own it or have the rights needed to grant this licence. Don't post content that is illegal, infringing, abusive, or deceptive; we may remove content and suspend accounts that do.

How to treat other people on PullBinder

Handles, bios, public profiles and share links put you in front of real people, so behave like it: no harassment, threats, hate speech, scams, or obscene content. Accounts that don't follow this can lose content or access. Profiles come from the people who post them, not from us. We do not verify them and we do not adopt them as our own. If something breaks the rules above, report it. We read what comes in and we act on it at our discretion, but we do not undertake to investigate any particular report, to act on it, or to act within any period of time, and choosing to act on one report is not a promise to act on the next.

Fair use of the service

Don't probe our infrastructure, abuse rate limits, or use PullBinder to defraud anyone.

And don't take the prices. Our marks are not a feed we republish from somewhere else; we build each one ourselves, combining every available signal through one formula: every datapoint passes through the same filters, and the mark is the median of what survives. We refuse to publish the ones we cannot stand behind. That work, the methodology behind it, and the resulting database are the product. So without our written permission you may not:

• scrape, crawl, spider, harvest, index or systematically download any part of the service, by hand or by machine;
• use a bot, script, headless browser, extension or automated agent against it for the purpose of extracting, copying or systematically accessing data, or circumvent any rate limit, access control or technical measure that governs it (assistive technology such as a screen reader, password manager or accessibility extension is always welcome);
• copy, extract, re-utilize or reconstruct a substantial part of our price data or its history, or build any competing or derivative price guide, index, dataset or model from it;
• resell, license, redistribute or publish our marks or estimates, in bulk or repeatedly, whether or not you credit us;
• frame, mirror, or present the service as your own; or
• reach the service through anything but its own interface, or with more accounts than you need.

Your own data is a different matter: export your collection, your ledger and your history whenever you like, in full and at no charge, while your account is open. Everything you entered, you can take. Reports we build on top of it (the year-end disposals file an accountant reads, for one) are formatted work product and are part of a paid plan; the underlying transactions they are built from stay exportable free. That is yours. The valuations we built are ours.

What belongs to us

PullBinder, LLC owns the service and everything we made in it: the site and the application, the software and its source, the design and the interface, the PullBinder name and logo, and (the part that matters most) our valuations, the methodology behind them, and the database of marks and price history built from them. That database is an original compilation, and our rights in it are separate from any rights in the underlying listings or sales it was derived from. You get a personal, revocable, non‑transferable licence to use the service for your own collection, and nothing more; no right is granted by implication, and we reserve everything not expressly given. The prohibitions under Fair use of the service describe how that ownership is enforced, not the extent of it.

Your cards and your records stay yours. This section is about what we built, not about what you catalog in it; see Your content, and export it whenever you like.

Ideas you send us. If you send us a suggestion, a feature request or feedback on how PullBinder should work, we may use it without obligation, attribution or payment. We are not asking you to send us anything confidential, and you should not.

Trademarks & attribution

PullBinder is an independent collection and price-tracking service. It is not affiliated with, endorsed, sponsored, or approved by any trading card game publisher, marketplace, or grading company. All card names, set names, character names, logos, card images and grade designations are the trademarks and copyrights of their respective owners, and we use them only to identify the cards you track; no license is claimed or implied. That applies to every game and every grader we support today and to any we add later, including but not limited to the publishers of Pokémon, Magic: The Gathering, Yu-Gi-Oh!, One Piece Card Game, Disney Lorcana, Flesh and Blood and Star Wars: Unlimited, and to graders including PSA, Beckett/BGS, CGC, SGC, TAG and ACE. If you hold a mark that appears here and would like it handled differently, write to us and we will.

Values & market data

The values PullBinder shows are estimates built from live asks and recent sales: estimates built from recent sales and current asks, not confirmed sale prices, appraisals, guarantees of value, or investment advice. We build them ourselves from publicly available listings and completed sales, refresh them regularly, and stamp each with the time of the data behind it. Any decision you make (buying, selling, grading, or trading) is your own; see the "as is" and liability terms below.

The service is provided as-is

PullBinder is provided "as is" and "as available", without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title, non-infringement, or accuracy, and any warranty arising from course of dealing, course of performance or usage of trade. We further disclaim every warranty as to any card, any user, and any user content, including the existence, ownership, authenticity, grade, condition, legality, quality, safety or value of any card, and the identity, trustworthiness, solvency or conduct of any user. No advice or information, whether oral or written, obtained from us or through the service creates any warranty not expressly stated here. We do not warrant that the service will be uninterrupted, secure or error-free, or that any valuation will prove accurate.

To the maximum extent permitted by law, the Released Parties are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost data, loss of goodwill or business interruption, including losses from your reliance on our estimates, decisions made on our valuations, or downtime, whether the claim sounds in contract, tort, strict liability, statute or any other theory, and whether or not we were advised that such damages were possible. In all events, and regardless of the form of action, the aggregate liability of the Released Parties to you for all claims of every kind is limited to the greater of the total amount you paid us in the twelve months immediately before the event giving rise to the claim, or one hundred US dollars (US$100). That cap applies in the aggregate; it is not multiplied by the number of claims, incidents or counterparties. These limitations are an essential basis of the bargain between us, and they apply even if a limited remedy fails of its essential purpose. Some states do not allow certain exclusions or limitations, so parts of this may not apply to you. Nothing here limits liability that the law does not permit us to limit, which, in most places, means our own fraud, gross negligence or willful misconduct, or death or personal injury caused by our negligence. The cap applies to everything else, including any claim arising from a security incident or from the handling of your information.

Copyright, and how to report it

People upload photos here, and now and then someone uploads one they did not have the right to. If you own copyright in something posted on PullBinder without your permission, tell us and we will take it down.

Write to [email protected] and include enough for us to act: what work you own, where it is on PullBinder, how to reach you, your relationship to the rights holder, and a statement that you believe in good faith the use is not authorized. We may remove or restrict the content while we look at it, and we may ask you for more.

If we take something of yours down and you believe we got it wrong, write to the same address and tell us why. Accounts that repeatedly infringe get closed. We would rather warn you first, but we will close the account.

The service will change

PullBinder is being built, which means features get added, reworked and occasionally retired. We may change, add or remove parts of the service, and we may set or adjust limits on how it is used. If we remove something material that your paid plan relies on, we will tell you and you can cancel; see Paid plans for how refunds work.

Indemnification: if something goes wrong because of you

You agree to defend, indemnify and hold harmless the Released Parties from and against any and all claims, actions, proceedings, demands, investigations, damages, judgments, awards, settlements, fines, penalties, losses, liabilities, costs and expenses, whether asserted in a pre‑litigation demand, a lawsuit, an arbitration, or a proceeding before any agency or other administrative or regulatory body, including reasonable attorneys' fees, expert fees, and the costs of investigation and defense, whether or not suit is filed and including on appeal, arising out of or relating to:

1. any transaction or dealing between you and another user, including any claim brought by that user or by anyone claiming through them;
2. any content you post;
3. your use of or access to the service;
4. your breach or alleged breach of these terms or of any representation or warranty you make in them; and
5. your violation of any law or of the rights of any third party.

This obligation applies to the fullest extent the law allows, and is not reduced by any allegation that a Released Party contributed to the claim.

We will notify you of any claim for which we seek indemnification, but a failure or delay in doing so does not relieve you of your obligations except to the extent you are actually and materially prejudiced by it. We retain sole control of the defense and settlement of any such claim, using counsel of our choosing, at your expense; you will cooperate fully in that defense at your own cost. You may participate at your own expense with your own counsel. You may not settle any claim in a manner that imposes any obligation, payment, admission or restriction on any Released Party without our prior written consent. Your obligations under this section are in addition to, and not in place of, any other remedy available to us, and they survive the termination of your account and of these terms.

The rest of the fine print

If one part fails, the rest stands. If a court or arbitrator finds any part of these terms unenforceable, that part is limited to the minimum extent necessary or removed, and everything else stays in force, including the disclaimers, the limitation of liability, the release, the indemnity, and every waiver set out in these terms, wherever in the document it appears. The class-action waiver is the one exception: it is expressly non-severable, and is governed by the terms of the arbitration section itself.

Third-party beneficiaries. The Released Parties who are not PullBinder, LLC itself (its members, managers, officers, employees, contractors, agents, affiliates, successors and assigns) are intended third-party beneficiaries of the release, the indemnity, the disclaimers, the limitation of liability, and the arbitration and class-waiver provisions, and may enforce them directly.

This is the whole agreement. These terms and the privacy policy are the entire agreement between us about PullBinder, and they replace anything said before. Nothing we do or fail to do waives a right unless we say so in writing.

Transfers. You cannot transfer your account or these terms to someone else. We can transfer them to a company that acquires PullBinder or substantially all of its assets, and if that happens these terms come with you until you are told otherwise.

Things outside anyone's control. We are not responsible for failures or delays caused by things we cannot reasonably control: an outage at a provider we depend on, a network failure, a natural disaster, or the like.

Ending things

You can stop using PullBinder and delete your account at any time (see the privacy policy for how); deleting your account cancels any subscription first, so a recurring charge stops with it. We may suspend or terminate any account, and withdraw access to any part of the service, at any time, with or without cause, and without refund. If we discontinue the service altogether, Paid plans says how that is handled.

Fraud is different. We may suspend or terminate an account and remove any content immediately and without prior notice where we believe in good faith that a user has engaged in fraud, counterfeit dealing, misrepresentation of a card, grade or certification, or any other conduct that puts another user or PullBinder at risk. An account terminated for cause is not entitled to any refund. We may preserve, and may disclose, photographs and account information where we believe in good faith that doing so is necessary to comply with law, respond to legal process, enforce these terms, or protect the rights, property or safety of any person, including by reporting the matter to law enforcement or to a grading company. Nothing in this paragraph obliges us to take any of these steps in any particular case.

What survives. Sections that by their nature survive termination survive it: Who these protections cover, and what you give up, What belongs to us, the covenants under Fair use of the service, the licence under Your content, the disclaimers and limitation of liability, Indemnification, the fine print, and Disputes and governing law in its entirety, including the agreement to arbitrate and the class-action waiver.

Changes

We may change these terms at any time. A change takes effect when we post the new version here and move the effective date above, and continuing to use PullBinder after that means you accept it. Where we consider a change material we will normally also email the address on your account with a short summary of what changed, but posting is what makes a change effective. A change to Disputes and governing law does not apply to any dispute that had already arisen before the change took effect.

How we reach you, and paperless by default

Notices go to the email address on your account, and count as delivered the day we send them, so keep it current, and check the spam folder before you tell us we never wrote. You can reach us at [email protected] for anything formal.

You agree to receive agreements, notices, receipts and disclosures from us electronically (on screen or by email), including anything the law would otherwise require on paper, and to have that count as writing and as your signature. If you would rather have something on paper, ask and we will send it. If you want to withdraw this consent entirely, you can, but a paperless service is the only one we run, so that means closing your account.

Disputes and governing law

Please read this section carefully. It requires most disputes to go to individual arbitration rather than to court, and it waives class actions. You have 30 days to opt out of arbitration, and opting out costs you nothing.

Governing law. These terms, and any dispute arising out of them or out of your use of PullBinder, are governed by the Federal Arbitration Act, by applicable federal law, and by the laws of the State of Florida, where PullBinder, LLC is organized, without regard to conflict-of-law rules.

Talk to us first. Before either of us starts a proceeding, we each agree to try to resolve the matter informally: email [email protected] describing the problem and what you want, and we have 30 days to work it out with you. Most things end there. This step is a condition precedent to filing anything, and any limitations period is tolled while it runs.

Binding individual arbitration. If we cannot resolve it that way, you and PullBinder agree that any dispute, claim or controversy arising out of or relating to these terms, the service, or your relationship with us or with any of the Released Parties, whether based in contract, tort, statute, fraud, misrepresentation or any other theory, and whether it arose before or after you accepted these terms, will be resolved by final and binding individual arbitration, and not in court, and not before a judge or a jury. The arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, seated in Miami-Dade County, Florida, though you may elect to appear by telephone or video, or, for claims under US$25,000, to have the matter decided on documents alone. The arbitrator has exclusive authority to decide the arbitrability, scope, enforceability and formation of this agreement to arbitrate, except as the class-action waiver below provides. Under the AAA Consumer Arbitration Rules, PullBinder pays the filing and arbitrator fees above the consumer filing fee. Judgment on the award may be entered in any court of competent jurisdiction.

Exceptions. Either of us may bring an individual claim in small-claims court if it qualifies, and either of us may seek injunctive or other equitable relief in the state or federal courts located in Miami-Dade County, Florida to protect intellectual property or to stop unauthorized access to, or scraping of, the service. Seeking that relief is not a waiver of this arbitration agreement.

Class-action waiver. You and PullBinder each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, coordinated, private-attorney-general or other representative proceeding. The arbitrator may not consolidate more than one person's claims, may not preside over any representative or class proceeding, and may award relief only in favor of the individual party seeking it and only to the extent necessary to provide relief on that party's own claim. This waiver is not severable. If it is held unenforceable as to any claim or any request for relief, then this agreement to arbitrate is void as to that claim or request only, which will instead be brought in the courts identified below; the waiver of jury trial and the remainder of these terms stay in force.

Many similar claims are heard in batches. If 25 or more demands for arbitration raising substantially the same or similar claims are filed against PullBinder by or with the assistance or coordination of the same law firm or group of firms within a 90-day period, you and PullBinder agree that those demands will be administered in staged batches of no more than 50. Each batch will be resolved by a single arbitrator as a single consolidated proceeding for that batch. Only the demands in the batch then being heard incur arbitration fees; the remaining demands are held, and any applicable limitations period is tolled for them, until their batch begins. The administrator will assign each batch and appoint its arbitrator. This paragraph is a fee-and-sequencing mechanism, not a waiver: every claim is heard individually on its merits within its batch, and nothing here creates a class, collective or representative proceeding. If a court or the administrator declines to enforce this paragraph, it is severable and the rest of this section stands.

Your right to opt out. You may opt out of this arbitration agreement by emailing [email protected] with your name, the email address on your account, and a clear statement that you decline to arbitrate, within 30 days after you first accept these terms, or, if arbitration was added to these terms after you joined, within 30 days after the effective date of that change. Opting out affects nothing else in these terms. We will not close your account, restrict it, or treat you differently for opting out.

If arbitration does not apply. Where a dispute is not subject to arbitration, because you opted out, because the claim qualifies for small claims, because the class-action waiver was held unenforceable as to it, or because a court finds this arbitration agreement inapplicable, that dispute must be brought exclusively in the state or federal courts located in Miami-Dade County, Florida. You and PullBinder each consent to the personal jurisdiction of those courts and waive any objection to venue or on grounds of forum non conveniens, and, to the extent the law allows, each waives the right to a trial by jury.

One year to bring a claim. To the fullest extent permitted by applicable law, any claim arising out of these terms or your use of PullBinder must be filed within one year after it arises, or it is permanently barred. Where the law of a jurisdiction that applies to you does not permit a contractual limitations period to be shortened, this paragraph does not apply to you and the statutory period governs instead; the rest of this section still does.

Contact

Questions about these terms: [email protected]. Formal legal notices, copyright reports, and the 30-day resolution step above: [email protected].