Terms of Use & Marketplace Agreement

1. Marketplace Role

Vaultara operates a technology marketplace that connects independent buyers and sellers. Unless Vaultara is expressly shown as the seller of an item, the seller — not Vaultara — owns, describes, prices, packs and ships the item. Vaultara is not the manufacturer, grading service, authenticator, investment adviser, insurer or guarantor of third-party merchandise.

Vaultara may provide payment, shipping, dispute, rating, AI-assisted identification and other platform tools, but those tools do not make Vaultara the seller of a third-party item.

2. Buyer Responsibilities

• Review the actual-item photos, description, grade, certification details, shipping cost and seller information before buying or bidding.
• Bid only when you intend and are able to pay. Winning bids create a payment obligation under the displayed auction rules.
• Provide accurate checkout and delivery information and promptly report genuine transaction problems.
• Do not misuse chargebacks, disputes, ratings, messaging or reporting systems.

3. Seller Responsibilities

• You must own or be legally authorized to sell every item you list.
• Listings must truthfully identify the actual item and disclose material defects, alterations, cleaning, uncertainty, grading or certification information known to you.
• Photos should reasonably show the actual item. Vaultara does not require studio-quality photography; ordinary blur, hand tremor, age, device quality or lighting will not by itself prevent a listing, but photos may not be intentionally deceptive or so unusable that the item is materially misrepresented.
• You are responsible for lawful packaging, shipping, authenticity representations, taxes and other obligations applicable to your sale.
• You authorize Vaultara and its payment providers to collect marketplace fees, refunds, reversals, chargebacks, dispute losses and other amounts you owe under these terms from amounts otherwise payable to you, your connected payment account, or future proceeds where legally permitted.

4. Payments, Stripe & Seller Payouts

Buyers do not need a Stripe seller account. Buyer payments are processed through Stripe checkout or other payment methods Vaultara may offer. Sellers must complete the required Stripe Connect onboarding before live selling.

Payment processing and seller payout timing are also subject to Stripe's applicable agreements. A seller's right to receive funds is subject to completed payment, fees, refunds, disputes, chargebacks, payout holds, reserves, reversals and other lawful adjustments.

5. Buyer Protection Is a Process, Not Insurance

Vaultara Buyer Protection provides a claims and dispute process for eligible problems such as non-delivery, wrong item, material damage, material mismatch, counterfeit concerns or grade/certification mismatch. It is not insurance, escrow, a guarantee of authenticity or future value, or a promise that Vaultara will pay every claim from its own funds.

Depending on the facts, a remedy may be funded through withheld seller proceeds, recovered seller funds, a payment reversal or refund, payment-provider procedures, or another lawful method. Vaultara may investigate, request evidence, approve or deny a claim, and suspend transaction privileges while a case is reviewed. Nothing in these terms removes rights or remedies that applicable law does not allow to be waived.

6. Refunds, Disputes, Chargebacks & Recovery

Where a refund, reversal, chargeback or dispute is attributable to a seller transaction, the seller remains responsible for amounts properly owed in connection with that transaction, including amounts previously paid out to the seller where recovery is legally permitted. Vaultara may offset such amounts against current or future seller proceeds and may suspend selling while unresolved balances remain.

Buyers must first use Vaultara's dispute process when reasonably available, but nothing here unlawfully restricts rights provided by card networks, payment processors or applicable law.

7. Auctions

Bids are offers to purchase. The highest valid bidder at closing becomes responsible for paying within the displayed payment window. Sellers may not bid on their own items or manipulate auctions. Vaultara may cancel bids or auctions affected by technical errors, fraud, prohibited conduct or clear listing mistakes.

8. AI, Spot Prices, Grades & Valuations

AI identification, condition estimates, market ranges and precious-metal spot displays are informational tools only. They may be delayed, incomplete or incorrect and are not appraisals, guarantees or investment advice. Users remain responsible for verifying material facts before a high-value transaction.

9. Prohibited Conduct & Items

Users may not list stolen, counterfeit, unlawfully altered, fraudulently described, embargoed or otherwise illegal merchandise; manipulate reviews or bids; impersonate another person; evade fees; use the platform for money laundering or fraud; or interfere with platform security. Vaultara may remove listings, hold transaction features, suspend accounts or cooperate with lawful requests when reasonably necessary.

10. Seller Identity & Marketplace Compliance

Vaultara may collect, verify, update or disclose seller information when required by law, payment providers, fraud-prevention needs or marketplace rules. Sellers must provide accurate information, keep it current, and cooperate with verification requests.

Vaultara uses a conservative sales-volume screening system for possible high-volume-seller obligations. Screening is not a legal determination that a seller is covered by any particular law. Sellers who trigger review may be asked for identity and contact information, annual certification, or additional secure verification and may have selling restricted if required information is not provided by an applicable deadline. Where law requires public seller disclosures, Vaultara may display verified seller identity/contact information after compliance review.

Banking, identity and tax information used for seller payouts is handled through Stripe Connect where available. Vaultara will not ask sellers to place full bank-account or tax-ID numbers in ordinary listing or profile fields.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Vaultara is not liable for indirect, incidental, special, punitive or consequential damages, investment losses, lost profits, market-value changes, or losses caused by the independent acts or omissions of third-party buyers, sellers, carriers, grading services or payment providers.

Any limitation in these terms applies only to the extent permitted by law. These terms do not exclude liability that applicable law does not allow to be excluded.

12. Indemnity

To the extent permitted by law, a user agrees to defend and indemnify Vaultara against third-party claims, losses, penalties and reasonable costs arising from that user's unlawful conduct, fraudulent listing, infringement, misrepresentation, breach of these terms, or violation of another person's rights.

13. Account Actions & Changes

Vaultara may restrict or suspend transaction features when reasonably necessary for fraud prevention, payment risk, unresolved disputes, prohibited conduct, legal compliance or platform security. Material changes to these terms may require users to accept a new version before buying, bidding or selling again.

14. Governing Law / Dispute Terms

This section should be finalized with licensed counsel for the business entity and state where Vaultara operates. Do not add arbitration, class-action waiver, venue, governing-law or liability-cap language casually; enforceability varies by jurisdiction and those provisions should match the actual business structure.

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