GCHaven.club

Terms of Service

Last Updated: January 13, 2026

Introduction

These Terms of Service (“Agreement” or “Terms”) govern your access to and use of the GC Haven website located at https://gchaven.club, its web portals, communications systems, and any related services (collectively, the “Platform”), which are owned and operated by CardOtter Inc., a New York Corporation (“CardOtter,” “we,” “us,” or “our”).

By accessing, registering for, or using the Platform, you (“you,” “User,” “Seller,” “Buyer,” or “Participant”) agree to be legally bound by these Terms, together with our Privacy Policy, which is incorporated by reference. If you do not agree, you must immediately cease using the Platform.. If any User does not agree to the Terms, such User may not access the Site or use the Services.

Platform Role and Definitions

CardOtter operates as a digital platform that facilitates the lawful resale, exchange, and purchase of retail gift cards and other stored-value instruments (“Gift Cards”) between verified users. The Platform enables individuals to submit and resell legitimate gift cards or similar prepaid instruments to qualified buyers under a secure and monitored environment.

CardOtter does not issue, manufacture, or sell Gift Cards. All cards and related products are issued by third-party merchants or authorized distributors. CardOtter’s role is limited to providing a digital interface, transaction verification services, and payment facilitation. Payment processing is conducted internally by CardOtter through its banking systems, while identity verification is performed through third-party services such as Veriff.

CardOtter verifies users and transactions using third-party identity and payment verification tools (such as Veriff), which may collect identification data, banking information, and transaction metadata. These processes are conducted solely for anti-fraud, anti–money laundering (“AML”), and Know Your Customer (“KYC”) compliance purposes. CardOtter does not independently guarantee the authenticity, balance, or continued validity of any Gift Card or third-party offer.

CardOtter IS NOT A FINANCIAL INSTITUTION, MONEY SERVICES BUSINESS, OR SELLER OF RECORD FOR ANY TRANSACTION. ALL GIFT CARDS OR PRODUCTS SUBMITTED THROUGH THE PLATFORM REMAIN THE PROPERTY OF THEIR ORIGINAL ISSUERS.

Key Definitions

For purposes of these Terms:
∙ “Seller” means any individual or entity submitting or reselling Gift Cards or related prepaid instruments through the Platform.

∙ “Buyer” means any individual or entity purchasing Gift Cards or related prepaid instruments from a Seller via the Platform.

∙ “Gift Card” or “Card” means any prepaid, stored-value, or promotional instrument originally issued by a third-party merchant, retailer, or service provider. ∙ “Services” means all Platform features provided by CardOtter, including account creation, identity verification, listing, transaction facilitation, dispute management, and fraud-prevention tools.

∙ “User” collectively refers to Sellers, Buyers, or any visitor or participant on the Platform. ∙ “Verification Data” means information collected from Users, such as identity documentation, banking data, contact information, and transaction details used for fraud screening, sanctions checks, and KYC compliance.

Platform Role and Limitations

Despite CardOtter’s implementation of verification and anti-fraud systems, CardOtter does not and cannot guarantee that any Gift Card, stored-value product, or other item submitted or purchased through the Platform is valid, unaltered, unredeemed, or redeemable at face value.

All information provided about a Gift Card, including card numbers, denominations, receipts, merchant details, or transaction confirmations, is submitted directly by Users. This information may be incomplete, inaccurate, or outdated. CardOtter does not independently verify or test any Gift Card or confirm balances with issuing merchants.

Users are solely responsible for:

∙ Ensuring that they are submitting, selling, or purchasing only legitimate Gift Cards acquired through lawful means;

∙ Reviewing all transaction details, including merchant terms, card balance, and expiration policies before sale or purchase;

∙ Providing true, accurate, and current identification, banking, and contact information during account verification;

∙ Maintaining the confidentiality of their credentials and immediately reporting suspected fraud or unauthorized access; and

∙ Complying with all applicable laws and regulations governing resale of stored-value instruments, including anti-money-laundering and sanctions-screening requirements.

Users knowingly and voluntarily assume all risks associated with participating in gift-card transactions on the Platform, including the risk of invalid cards, chargebacks, fraud, balance discrepancies, and loss of funds. CardOtter makes no representation or warranty as to any Gift Card’s authenticity, merchant acceptance, or future usability.
All information and content made available on the Platform are provided solely for general informational purposes and do not constitute financial, investment, or legal advice. CardOtter does not provide guidance on tax reporting, investment decisions, or merchant redemption policies, and Users should consult their own professional advisors as needed.

User and Transaction Verification

CardOtter implements a combination of automated and manual review procedures to detect and prevent fraud, including identity verification, document analysis, payment validation, sanctions screening, and transaction pattern monitoring. These reviews are performed using third-party tools such as Veriff and risk-assessment APIs.

However:

∙ This process does not constitute a certification, guarantee, or warranty of a User’s legitimacy or financial status;

∙ CardOtter does not perform continuous or real-time monitoring of every transaction; ∙ Verification is based on information self-reported by Users and data received from third party providers; and

∙ CardOtter’s approval of a transaction or account does not imply endorsement or validation of any underlying Gift Card, balance, or merchant source.

Accordingly, CardOtter expressly disclaims any liability for errors, omissions, or misrepresentations by any User or third-party merchant, including but not limited to loss resulting from counterfeit, stolen, or invalid Gift Cards.

Seller Obligations

Each Seller is solely responsible for the accuracy, legitimacy, and ownership of any Gift Card submitted to the Platform. Sellers must:

∙ Ensure that each Gift Card was lawfully obtained and retains full, unused balance; ∙ Maintain documentation evidencing purchase and ownership, including receipts or digital confirmations;

∙ Respond promptly and truthfully to verification requests or buyer inquiries; ∙ Immediately notify CardOtter of any change in card status, including partial redemption, revocation, or suspected compromise; and

∙ Comply with all applicable laws, including AML, KYC, and sanctions requirements.

Sellers agree to indemnify, defend, and hold harmless CardOtter, its affiliates, officers, employees, contractors, and agents from and against any and all claims, losses, damages, liabilities, penalties, or expenses (including reasonable attorneys’ fees) arising out of or related to: (i) the sale, submission, or representation of any Gift Card; (ii) any misstatement or omission regarding card ownership, balance, or authenticity; (iii) any unlawful or fraudulent conduct involving the Seller or their account; and (iv) any violation of these Terms or applicable law.
This indemnification obligation shall survive the termination of these Terms and the Seller’s use of the Platform.

Platform Disclaimers

CardOtter is not a bank, money transmitter, financial institution, escrow agent, or fiduciary. The Platform’s services are limited to technology and risk-management functions.

CardOtter reserves the right to suspend, delay, or cancel any transaction or account activity if, in its sole discretion, it suspects potential fraud, money laundering, sanctions violations, or other unlawful conduct. Transactions may also be frozen or reversed upon request from law enforcement.

CardOtter’s role in any transaction is strictly limited to providing access to the Platform and payment integration. CardOtter is not responsible for any merchant’s refusal to honor a Gift Card, nor for any dispute between Users.

Customer Responsibilities and Limitations of Liability

By accessing or using the Platform, all Users, including Buyers, Sellers, and other Participants, expressly acknowledge and agree that they are solely responsible for their own due diligence, account activity, and transaction decisions. Users further understand and agree that the resale and exchange of Gift Cards inherently involve risks of invalidation, balance discrepancies, merchant refusal, fraud, and loss.

Each User agrees to:

∙ Conduct independent verification of any Gift Card before finalizing a transaction, including confirming its balance, merchant validity, and applicable terms; ∙ Provide only accurate and lawful information when submitting or purchasing Gift Cards; ∙ Use the Platform solely for legitimate, non-fraudulent transactions; ∙ Review all disclosures, receipts, and confirmations made available by the Platform; ∙ Promptly report to CardOtter any suspected fraudulent or unauthorized activity; and∙ Assume full responsibility for the decision to buy, sell, or exchange any Gift Card through the Platform.

CardOtter facilitates communication between Users and implements verification and anti-fraud procedures through third-party services such as Veriff. However, CardOtter does not guarantee that any User, Gift Card, or transaction is genuine, valid, or risk-free. The final determination of whether to engage in a transaction rests solely with each User.

User Prohibited Conduct

Users shall not use, and shall not permit any other person to use, the Platform or Services in any manner that violates any federal, state, or local law, regulation, or order, including without limitation: the Bank Secrecy Act, the USA PATRIOT Act, OFAC sanctions programs,
anti–money-laundering (“AML”) or counter-terrorist-financing (“CTF”) laws, or any other applicable financial or consumer-protection regulation. CardOtter enforces a zero-tolerance policy toward fraud, identity theft, or illicit financial activity.

Without limiting the foregoing, Users agree not to engage in any of the following activities:

∙ Submitting, selling, purchasing, or otherwise dealing in any Gift Card, stored-value instrument, or payment method obtained by fraudulent, unauthorized, or unlawful means; ∙ Attempting to alter, duplicate, manipulate, or redeem Gift Cards in a manner inconsistent with their original merchant-issued terms;

∙ Using the Platform to launder funds, structure transactions, evade sanctions, or conceal the proceeds of unlawful activity;

∙ Providing false, incomplete, or misleading information during registration, verification, or transaction review (including identity, banking, or card documentation); ∙ Creating multiple or “linked” accounts to bypass transaction limits, restrictions, or verification requirements;

∙ Engaging in unauthorized scraping, data mining, or automated access to the Platform; ∙ Uploading viruses, malware, or any code designed to harm, intercept, or exfiltrate data from the Platform or its Users;

∙ Reverse-engineering, decompiling, or attempting to extract source code or system architecture;

∙ Circumventing or attempting to circumvent security, anti-fraud, or verification measures; ∙ Reselling, sublicensing, or misrepresenting the Platform’s services; ∙ Harassing, intimidating, defaming, or otherwise interfering with the use and operation of the Platform by other Users;

∙ Engaging in any activity that may reasonably be interpreted as deceptive, abusive, unlawful, or inconsistent with CardOtter’s business integrity standards.

Users further agree not to misuse the Platform in any manner inconsistent with CardOtter’s verification and compliance requirements, and not to conceal or obscure their true identity or the origin of any funds or assets involved in a transaction.

Account Integrity and Compliance Cooperation

Each User represents and warrants that:

∙ They are at least eighteen (18) years of age and possess the legal capacity to enter into binding agreements;

∙ They will provide accurate, current, and complete information during onboarding and promptly update it as required;

∙ They will fully cooperate with CardOtter’s requests for additional verification, identity documentation, or transaction evidence;

∙ They will not share, sell, or transfer account credentials, and will maintain adequate safeguards to prevent unauthorized access;
∙ They understand and agree that CardOtter may temporarily freeze, delay, or cancel transactions, or suspend accounts, to comply with applicable laws, regulatory requests, or fraud investigations.

Failure to comply with this section may result in immediate suspension or termination of a User’s account, forfeiture of pending transactions, and potential referral to law enforcement or regulatory authorities. CardOtter reserves the right, in its sole discretion, to deny access to any User for violation of these Terms or for any conduct that may expose CardOtter, its partners, or other Users to risk or liability.

Limited License

Subject to your full compliance with these Terms, CardOtter grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Platform and its Services solely for lawful and legitimate purposes related to the buying, selling, and verification of Gift Cards through the Platform.

This license does not convey any ownership rights or interest in the Platform, its content, or its underlying technology. All rights not expressly granted are reserved by CardOtter and its licensors.

You agree not to:

∙ Copy, reproduce, distribute, publicly display, or create derivative works from any portion of the Platform or its content;

∙ Sell, lease, sublicense, or otherwise exploit any part of the Platform for commercial purposes other than lawful use through the Services;

∙ Remove, obscure, or alter any copyright, trademark, or proprietary notices contained on or within the Platform; or

∙ Access or use the Platform in any way that violates these Terms or applicable law. Orders and Payment
Payments, deposits, or payouts made through the Platform are processed directly by CardOtter using verified banking information provided by Users. CardOtter manually initiates and reconciles ACH or equivalent bank transfers in accordance with transaction records submitted through the Platform.

CardOtter does not use Stripe or any third-party provider for payment processing. Veriff is used solely for identity verification under its “Veriff Identity Verification” product to validate user credentials and prevent fraud.

Payment credentials are tokenized and managed in accordance with CardOtter’s security standards.
By initiating any transaction on the Platform, you authorize CardOtter to debit or credit your designated payment account through its own banking systems in accordance with your verified transaction data. Veriff may be used only to verify your identity or to confirm account legitimacy, but does not participate in payment transmission.

Each Seller is solely responsible for determining, collecting, reporting, and remitting any and all applicable taxes, duties, fees, or governmental assessments arising from the sale or exchange of Gift Cards. CardOtter does not collect or remit taxes on behalf of Users unless expressly required by law or platform configuration.

CardOtter may, where required by applicable tax law, report certain transaction information to governmental authorities or issue information returns (e.g., IRS Form 1099-K) to qualifying Users. You agree to provide any information or tax forms requested to facilitate such compliance. Failure to do so may result in suspension or withholding of payouts.

All Gift Card submissions, purchases, or related transactions (collectively, “Orders”) are subject to these Terms and any additional conditions or disclosures presented at the time of the transaction, including but not limited to balance verification, submission documentation, and payout schedules. CardOtter may impose limits or hold periods for risk management and compliance review.

CardOtter reserves the right to change pricing structures, exchange rates, service fees, and payout calculations at any time, including transaction fees or commissions charged to Users. Prices and conversion values displayed through the Platform may differ from those offered by third parties or competitors, and are not guaranteed to represent market or face value. CardOtter may also modify or discontinue certain Services or payout options at any time without notice.

By submitting or completing any Order through the Platform, you agree to pay in full all applicable service fees, taxes, and charges associated with that transaction using one of the permitted payment methods available. You further agree that any Order placed or submitted through your account, or otherwise authenticated through your verified credentials, shall be deemed authorized by you and is legally binding.

Orders are not deemed accepted until confirmed by CardOtter. CardOtter reserves the right, at its sole discretion, to verify, delay, or reject any Order pending review for compliance, fraud risk, or payment authorization.

Payments and payouts are processed solely by CardOtter through its internal banking systems. Veriff is not a payment processor and plays no role in fund transfers. CardOtter may, at its discretion, modify permitted payment methods, require additional verification, or impose transaction limits or reserves. CardOtter may also delay or withhold payment if fraud, chargeback risk, sanctions exposure, or incomplete verification is detected.
If complete payment or verification for your Order is not received and confirmed by CardOtter, the transaction will not be processed or fulfilled. CardOtter reserves the right to cancel, reverse, or freeze any Order that appears suspicious, incomplete, unauthorized, or otherwise inconsistent with these Terms or applicable law.

Orders may also be suspended, delayed, or rejected if required by CardOtter’s internal compliance team, or law enforcement authorities. CardOtter further reserves the right to offset, withhold, or claw back funds associated with fraudulent or disputed activity, and to report such activity to regulatory agencies or law enforcement as appropriate.

Refunds, Cancellations, and Disputes

Because transactions on the Platform involve digital value instruments that can be immediately redeemed or transferred, all transactions are considered final once confirmed by CardOtter. “Digital Value Instrument” means any prepaid, stored-value, or digital token representing monetary value, including but not limited to Gift Cards. Orders may not be cancelled, reversed, or modified by the User after submission. Users are encouraged to review all transaction details carefully prior to completion.

CardOtter does not guarantee refunds or charge reversals for any completed transaction. However, CardOtter may, in its sole discretion and without obligation, assist in dispute resolution between Users where evidence of error, fraud, or misrepresentation exists. Such assistance does not constitute an admission of liability or assumption of responsibility for any User’s conduct.

If a Buyer reports an issue concerning a Gift Card (e.g., invalid, partially redeemed, counterfeit, or non-functional), the Seller must cooperate fully and in good faith to provide verification documentation, receipts, and any other evidence requested by CardOtter. Sellers acknowledge and agree that CardOtter may hold or reverse payouts, suspend accounts, or take other remedial measures pending the outcome of its investigation.

Sellers remain solely responsible for resolving disputes arising from their own Gift Card submissions or representations. Failure to respond promptly or truthfully to a dispute inquiry may result in forfeiture of funds and account termination.

CardOtter may, at its sole discretion, mediate, coordinate, or facilitate communications between Buyers and Sellers to assist in resolving a dispute. CardOtter’s determination or action in connection with any dispute, including refund issuance, payout hold, or transaction cancellation, shall be final and binding to the extent permitted by law.

CardOtter may suspend or restrict access to funds, withhold disbursements, or offset amounts owed if: (i) CardOtter receives notice of a chargeback, reversal, or payment dispute; (ii) the transaction is under investigation for fraud or illegal activity; or (iii) required by applicable law
or regulator. CardOtter may recover from the Seller any losses or costs resulting from chargebacks or fraudulent activity linked to their account.

If a chargeback, payment reversal, or dispute is initiated by a Buyer or their financial institution, the Seller shall bear full responsibility for the disputed amount and any associated processor or administrative fees, unless CardOtter determines otherwise after review.

In the event of confirmed fraudulent activity, CardOtter reserves the right to: (i) immediately cancel related Orders; (ii) withhold or reclaim any funds received; (iii) permanently close the associated account(s); and (iv) report the incident to law enforcement or relevant financial authorities.

Certain jurisdictions may provide statutory consumer rights or mandatory refund entitlements that cannot be waived under local law. Where such rights apply, CardOtter will comply with those obligations. Otherwise, Users acknowledge that all transactions are final and that CardOtter is not required to issue any refund or credit except as mandated by law.

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE PROVIDES THE SERVICES “AS IS,” WITH ALL FAULTS. THE SITE DOES NOT WARRANT UNINTERRUPTED USE OR OPERATION OF THE SERVICES, OR THAT ANY DATAWILL BE TRANSMITTED IN A MANNER THAT IS TIMELY, UNCORRUPTED, FREE OF INTERFERENCE, OR SECURE. THE SITE DISCLAIMS REPRESENTATIONS, WARRANTIES, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, WRITTEN, ORAL, CONTRACTUAL, COMMON LAW, OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES, DUTIES, OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON INFRINGEMENT, OR THAT MAY ARISE FROM A COURSE OF DEALING OR USAGE OF TRADE.

CardOtter DOES NOT WARRANT THAT THE PLATFORM OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DATA OR COMMUNICATIONS TRANSMITTED VIA THE PLATFORM WILL BE FREE FROM LOSS, INTERFERENCE, CORRUPTION, OR UNAUTHORIZED ACCESS. CardOtter DOES NOT WARRANT THAT ANY GIFT CARD SUBMITTED OR PURCHASED THROUGH THE PLATFORM WILL BE VALID, REDEEMABLE, OR ACCEPTED BY ITS ISSUING MERCHANT.

WITHOUT LIMITING THE FOREGOING, CardOtter MAKES NO REPRESENTATION OR WARRANTY THAT:

(i) THE PLATFORM OR SERVICES WILL BE COMPATIBLE WITH ANY DEVICE, SOFTWARE, OR NETWORK;
(ii) THE PLATFORM WILL OPERATE CONTINUOUSLY OR WITHOUT INTERRUPTION;

(iii) THE USE OF THE PLATFORM WILL BE FREE FROM VIRUSES, MALWARE, OR OTHER DESTRUCTIVE COMPONENTS;

(iv) TRANSMISSIONS TO OR FROM THE PLATFORM WILL BE SECURE OR TIMELY;

(v) ANY INFORMATION, DATA, OR REPORTS GENERATED THROUGH THE PLATFORM WILL BE ACCURATE OR COMPLETE; OR

(vi) THE USE OF THE PLATFORM WILL NOT INFRINGE THE RIGHTS (INCLUDING INTELLECTUAL PROPERTY OR PRIVACY RIGHTS) OF ANY PERSON OR ENTITY.

ANY INFORMATION, RECOMMENDATION, OR CONTENT PROVIDED THROUGH THE PLATFORM IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOTCONSTITUTE LEGAL, FINANCIAL, INVESTMENT, OR TAX ADVICE. USERS SHOULD

CONSULT THEIR OWN PROFESSIONAL ADVISORS BEFORE RELYING ON ANYINFORMATION OBTAINED THROUGH THE PLATFORM.

THE PLATFORM AND ITS CONTENT ARE OFFERED ONLY IN JURISDICTIONS WHERE SUCH OFFERING IS LEGALLY PERMISSIBLE. CardOtter DOES NOTREPRESENT OR WARRANT THAT THE PLATFORM OR ANY RELATED INFORMATION IS APPROPRIATE OR AVAILABLE FOR USE IN ALL JURISDICTIONS OR BYALLPERSONS. ACCESSING THE PLATFORM FROM TERRITORIES WHERE ITS CONTENTOR SERVICES ARE ILLEGAL IS STRICTLY PROHIBITED.

USERS ACKNOWLEDGE THAT CardOtter RELIES ON THIRD-PARTY SERVICE PROVIDERS (INCLUDING VERIFF, HOSTING PROVIDERS, AND FRAUD-DETECTION PARTNERS) TO PROVIDE PAYMENT PROCESSING, VERIFICATION, AND DATA SECURITY SERVICES, AND THAT CardOtter CANNOT AND DOES NOT WARRANT OR GUARANTEE THE PERFORMANCE OR SECURITY OF SUCH THIRD PARTIES. ANY ERRORS, DELAYS, OR INTERRUPTIONS ATTRIBUTABLE TO THIRD-PARTY PROVIDERS ARE EXPRESSLY OUTSIDE CardOtter’S CONTROL AND LIABILITY.

Limited Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CardOtter, ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS, LOSS OF GOODWILL, LOSS OF USE, OR OTHER INTANGIBLE LOSSES (REGARDLESS OF WHETHER CardOtter HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF OR RELATING TO:
(i) USE OR INABILITY TO USE THE PLATFORM OR SERVICES;

(ii) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF TRANSMISSIONS OR DATA;

(iii) ANY TRANSACTION OR DISPUTE BETWEEN USERS;

(iv) ANY GIFT CARD THAT IS INVALID, FRAUDULENT, COUNTERFEIT, OR UNREDEEMABLE;

(v) ANY ERROR, FAILURE, OR CONDUCT OF THIRD-PARTY PROVIDERS; OR(vi) ANY ACT OR OMISSION OF OTHER USERS OR THIRD PARTIES.

CardOtter SHALL NOT BE LIABLE FOR ANY ACT, OMISSION, OR FAILURE OF THIRD PARTIES INVOLVED IN PROVIDING SERVICES, INCLUDING MERCHANTS, BANKS, OR IDENTITY-VERIFICATION PROVIDERS, NOR FOR ANY ACTIONS OR REPRESENTATIONS MADE BY USERS OF THE PLATFORM.

CardOtter SHALL HAVE NO LIABILITY FOR DAMAGES RESULTING FROM THIRD-PARTY SERVICES, SOFTWARE, OR PRODUCTS, INCLUDING THOSE PROVIDED BY STRIPE OR OTHER PAYMENT PROVIDERS, HOSTING PARTNERS, OR DATA PROCESSORS.

Aggregate Liability Cap

NOTWITHSTANDING ANY DAMAGES THAT A USER MAY INCUR FOR ANY REASON WHATSOEVER, THE ENTIRE CUMULATIVE LIABILITY OF CardOtter AND ITS AFFILIATES IN CONNECTION WITH THE PLATFORM, SERVICES, OR THESE TERMS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF:

(A) THE TOTAL FEES ACTUALLY PAID BY THE USER TO CardOtter FOR THE SPECIFIC TRANSACTION(S) AT ISSUE DURING THE SIX (6) MONTHS IMMEDIATELYPRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

THIS LIMITATION OF LIABILITY SHALL APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Additional Disclaimers and Limitations

CardOtter SHALL NOT BE LIABLE FOR ANY LOSS, DISCLOSURE, OR THIRD PARTY USE OF INFORMATION, WHETHER AUTHORIZED OR UNAUTHORIZED, INCLUDING ANY INTERCEPTION, HACKING, OR MISUSE OF DATA BYTHIRD PARTIES. USERS EXPRESSLY ACKNOWLEDGE THAT SUBMITTING INFORMATION ONLINE CARRIES INHERENT RISKS.
CardOtter SHALL HAVE NO LIABILITY FOR ANY DAMAGES ARISING FROM: (I) USER’S OWN ACTIONS OR OMISSIONS; (II) ACTS OR FAILURES OF THIRD-PARTYSERVICE PROVIDERS, TELECOMMUNICATION PROVIDERS, OR PAYMENTNETWORKS; OR (III) EVENTS BEYOND CardOtter’S REASONABLE CONTROL, INCLUDING FORCE MAJEURE, NETWORK OUTAGES, CYBERATTACKS, OR REGULATORY ACTIONS.

THE PLATFORM AND THESE TERMS CREATE NO OBLIGATIONS OR DUTIES TO ANYPERSON OTHER THAN REGISTERED USERS. CardOtter SHALL HAVE NO LIABILITY TO ANY THIRD PARTY WHO IS NOT A PARTY TO THESE TERMS OR WHO ACCESSES THE PLATFORM INDIRECTLY.

ALL LIMITATIONS, EXCLUSIONS, AND DISCLAIMERS SET FORTH HEREIN SHALLAPPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVEN IF ANY REMEDYFAILS OF ITS ESSENTIAL PURPOSE OR THE CONTRACT IS TERMINATED.

Some jurisdictions do not allow certain warranty exclusions or limitations of liability. In such cases, the above disclaimers and limitations shall apply to the maximum extent permitted by applicable law. Nothing in these Terms shall exclude or limit any liability that cannot be lawfully excluded under applicable consumer protection or financial laws.

Acknowledgement of Allocation of Risk

YOU EXPRESSLY ACKNOWLEDGE THAT THESE DISCLAIMERS AND LIMITATIONS OF LIABILITY CONSTITUTE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND CardOtter. CardOtter WOULD NOT PROVIDE ACCESS TO THE PLATFORM OR SERVICES WITHOUT SUCH LIMITATIONS. THESE LIMITATIONS SHALL SURVIVE TERMINATION OF THIS AGREEMENT AND CONTINUE TO APPLYNOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OR EXCLUSIVE REMEDY.

Third party products, links, and actions

The Platform may include, embed, or integrate products, applications, and services provided by third parties (collectively, “Third-Party Services”). These may include, without limitation, identity verification by Veriff Identity Verification, hosting and analytics services, fraud-prevention providers, and communication tools. The Platform also enables interaction between Users, including Buyers and Sellers, both through and outside the Platform. All such Third-Party Services, and any linked websites or applications, are subject to their own independent terms of service and privacy policies.

CardOtter has no control over and assumes no responsibility for the conduct, content, or policies of any third party, including other Users, merchants, or websites accessible through the Platform. CardOtter expressly disclaims all liability arising from your interactions with such
third parties, whether those interactions occur online, in person, or through referrals originating from the Platform.

You acknowledge and agree that your dealings with third parties, including participation in promotions, purchases of products or services, or reliance on information provided by them, are solely between you and the applicable third party. CardOtter is not a party to any such arrangements and shall not be liable for any loss, damage, or dispute arising therefrom.

CardOtter welcomes feedback regarding third-party providers, linked services, and other Users in order to maintain platform integrity; however, any such feedback does not create any duty to investigate, monitor, or take action against those parties unless required by law.

Terms and Conditions of Use

Please read these Terms of Service (“Agreement”) carefully. THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND A WAIVER OF CLASS ACTION RIGHTS. This Agreement constitutes a legally binding contract between you and CardOtter and applies

to all features of the Platform, including transactions involving Gift Cards, user verification, and payment processing.

If you do not agree to these Terms, you must immediately cease using the Platform. Continued access or use after notice of any changes constitutes your acceptance of the updated Agreement.

Conditions of Use and Modifications

To access or use the Platform, you must be at least eighteen (18) years of age or the age of legal majority in your jurisdiction and have the full right, power, and authority to enter into this Agreement. The Platform is not intended for use by minors. Your continued use of the Platform signifies your ongoing acceptance of this Agreement and all future modifications thereto.

CardOtter may update or amend this Agreement from time to time at its sole discretion. Updated versions will be posted on the Platform and will become effective upon posting unless a shorter period is required by law. You agree that it is your responsibility to review the Terms periodically for changes. Continued use of the Platform following any such modification constitutes your binding acceptance of the revised Terms.

If you do not agree with any revision of these Terms, your sole and exclusive remedy is to discontinue using the Platform. CardOtter reserves the right to terminate or restrict your access at any time for violation of these Terms or applicable law.

Third Party Licensors

Certain components, functionalities, or integrations of the Platform are licensed or provided by independent third-party licensors (“Licensors”), including but not limited to payment gateways,
identity-verification tools, and fraud-prevention providers. Although this Agreement is between you and CardOtter (not the Licensor), your use of such features may also require acceptance of the Licensor’s own terms of service and privacy policies.

You represent and warrant that you will comply with all applicable third-party terms and conditions required by any Licensor, including but not limited to Stripe’s Terms of Service and Privacy Policy, available at https://stripe.com/legal. Failure to comply with such third-party terms may result in suspension or termination of your access to the Platform.

In addition to other disclaimers and exclusions in this Agreement, CardOtter expressly disclaims, to the maximum extent permitted by law, all liability for: (i) any data, content, or service originating from a Licensor or third-party provider; (ii) any technical maintenance, error, or failure in such third-party systems; and (iii) any product-liability, intellectual-property, privacy, or regulatory claim arising out of or related to any Licensor’s software, content, or conduct.

CardOtter does not provide support or maintenance for third-party components beyond integration with the Platform. All issues related to third-party software or APIs should be directed to the applicable Licensor.

Third Party Links

The Platform may contain hyperlinks or references to external websites, advertisements, or social-media pages operated by third parties not affiliated with CardOtter. These links are provided solely for convenience and do not imply endorsement or partnership. CardOtter does not review, control, or guarantee the accuracy, legality, or safety of any linked or linking sites. This Agreement does not apply to those third-party sites, and CardOtter is not responsible for their privacy practices, content, or activities.

CardOtter does not intentionally disclose Users’ personal information to unaffiliated third party websites. However, third-party websites may independently collect information about you when you visit or interact with their content. You are solely responsible for reviewing and understanding the privacy policies and terms of any third-party site before engaging with it. CardOtter disclaims any liability for your interactions with such external platforms.

Application and Content, Copyright

You acknowledge that the Platform and all related content made available through it, including without limitation text, data, databases, code, APIs, plug-ins, photographs, graphics, designs, logos, trade dress, audio, video, documentation, and other materials (collectively, “Content”), are and shall remain the exclusive property of CardOtter Inc., its licensors, or other third-party rights holders. All Content and technology incorporated in the Platform are protected by copyright, trademark, patent, trade-secret, and other intellectual-property laws and treaties, in the United States and worldwide. All rights are expressly reserved by their respective owners.
Subject to your full compliance with this Agreement, CardOtter grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Platform and its Content solely for lawful purposes related to your legitimate use of the Services. This license does not convey any ownership interest or proprietary rights.

You may not copy, reproduce, distribute, publicly display, publish, sell, lease, license, modify, create derivative works from, decompile, reverse-engineer, or otherwise exploit the Platform or any Content, in whole or in part, except as expressly permitted by CardOtter in writing or as required by applicable law. You may not use any data-scraping, web-crawling, or automated extraction tools to access the Platform or its databases without CardOtter’s prior written consent.

You are expressly prohibited from removing, obscuring, or altering any copyright, trademark, or other proprietary notice appearing on or within the Platform or its Content. Any unauthorized use immediately terminates the limited license granted herein and may constitute infringement of CardOtter’s intellectual-property rights.

Ownership and Reservation of Rights

All right, title, and interest in and to the Platform, the Content, and any associated source code, data, or software are owned by CardOtter Inc. and/or its licensors. Except for the limited rights expressly granted herein, no license or right under any patent, trademark, copyright, trade secret, or other proprietary interest of CardOtter or its licensors is granted or implied by estoppel or otherwise. Any rights not expressly granted are reserved.

For clarity, you agree that you will not claim any ownership in, or take any action inconsistent with, CardOtter’s or its licensors’ rights in any portion of the Platform, Services, or Content, nor will you challenge, register, or use any trademark, service mark, or domain name confusingly similar to CardOtter’s Marks.

All trademarks, logos, service marks, and trade names displayed on or within the Platform (collectively, “Marks”) are the property of CardOtter or their respective owners. No license to use any Mark is granted by implication, estoppel, or otherwise. Unauthorized use of any Mark is strictly prohibited and may violate federal or international trademark law.

Intellectual-Property Enforcement

CardOtter vigorously protects its intellectual-property rights. Any unauthorized use, copying, reproduction, or modification of the Platform or its Content is strictly prohibited and may result in immediate termination of access and legal action, including injunctive relief and damages. CardOtter reserves all rights to seek full remedies under applicable law.

If you believe that any content available through the Platform infringes your copyright, trademark, or other intellectual-property rights, please follow the notice procedures described below.
Copyright Complaints

CardOtter respects the intellectual-property rights of others and expects Users to do the same. It is CardOtter’s policy to respond promptly to valid Digital Millennium Copyright Act (“DMCA”) notices of alleged infringement and to terminate, where appropriate, the accounts of repeat infringers.

To submit a notice of alleged infringement, please provide written communication to CardOtter’s designated DMCA Agent at legal@gchaven.club, including the following:

1. A physical or electronic signature of the person authorized to act on behalf of the copyright owner;

2. Identification of the copyrighted work claimed to have been infringed, or a representative list if multiple works are covered by one notice;

3. Identification of the material claimed to be infringing, including the specific URL or other location on the Platform where the material is located;

4. Your name, address, telephone number, and email address;

5. A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

6. A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Upon receipt of a valid notice, CardOtter will, in its sole discretion, take appropriate action, which may include removing or disabling access to the allegedly infringing material, notifying the User responsible for the material, and/or terminating repeat offenders. CardOtter reserves the right to seek verification of any notice and to reject notices that do not comply with the DMCA’s statutory requirements.

Counter-Notification

If you believe that your content was removed in error or misidentification, you may send a written counter-notification to the same address above that meets the requirements of 17 U.S.C. § 512(g). CardOtter may restore the removed material if legally permissible and if no court action is filed by the complaining party within the prescribed period.

This information must be submitted to the following email address: legal@gchaven.club All DMCA and IP-related communications must be sent to CardOtter’s Designated Agent: Email: legal@gchaven.club

Subject Line: “DMCA Notice – GC Haven / CardOtter Inc.”
Your Account and Security

Access to certain features of the Platform may require you to create a registered user account (“Account”). To register, you must provide accurate, current, and complete information, including legal name, contact information, and, where applicable, identity verification documentation as required under CardOtter’s KYC (Know Your Customer) and AML (Anti Money Laundering) compliance procedures. You agree to promptly update all Account information to ensure its accuracy and completeness at all times.

CardOtter reserves the right, in its sole discretion, to suspend or disable any Account or credentials if it determines, or has reason to suspect, that: (i) information provided is inaccurate, incomplete, or fraudulent; (ii) the Account has been compromised or misused; or (iii) continued access would violate applicable law or these Terms.

You are solely responsible for: (a) maintaining the confidentiality of your Account credentials, including any password, verification codes, or authentication methods; (b) restricting access to your devices and accounts; and (c) all activity occurring under your Account, whether or not authorized by you. CardOtter shall not be liable for any loss or damage arising from unauthorized access to your Account unless such access results solely from CardOtter’s gross negligence or willful misconduct.

You agree to notify CardOtter immediately at support@gchaven.club if you become aware of any unauthorized access, use, or suspected breach of security involving your Account. You remain responsible for all activity until CardOtter confirms receipt of such notice and has had a reasonable opportunity to act. CardOtter shall not be responsible for delays or damages arising from your failure to promptly notify or safeguard your credentials.

CardOtter may require multi-factor authentication, biometric verification, or third-party identity checks as a condition of access or continued use. By maintaining an Account, you consent to such measures and agree that failure to comply may result in suspension or termination of access.

User Generated Content

The Platform may permit Users to upload, submit, or transmit materials such as photographs, receipts, listings, messages, reviews, descriptions, digital assets, or other information (“User Content”). User Content also includes any Gift Card details, identifiers, or transaction records that a User uploads or transmits through the Platform.

You may only upload or distribute User Content that you own or have obtained express authorization to share. You agree not to post, upload, or transmit any User Content that: (i) is false, misleading, or fraudulent; (ii) infringes any copyright, trademark, or proprietary right; (iii) violates any applicable law, regulation, or third-party right; (iv) contains personal information of others without consent; or (v) contains malicious code or unauthorized advertising.
By submitting any User Content, you represent and warrant that: (a) you own or have all necessary rights, licenses, and permissions to post such User Content; (b) your User Content is accurate and lawful; and (c) your submission does not infringe, misappropriate, or violate any intellectual-property, privacy, publicity, or other rights of any person or entity.

By uploading or submitting User Content to the Platform, you grant CardOtter, its affiliates, agents, contractors, successors, and licensees a worldwide, royalty-free, irrevocable, perpetual, non-exclusive, and sublicensable right to host, reproduce, modify, adapt, publish, transmit, distribute, display, and perform such User Content, in whole or in part, for the purpose of operating, improving, promoting, and securing the Platform and fulfilling CardOtter’s compliance obligations. This license survives termination of your Account or this Agreement.

CardOtter retains full ownership of any derivative works, compilations, databases, or analyses generated by or through the Platform that include or are derived from User Content. You acknowledge that CardOtter may aggregate or anonymize User Content for analytical, operational, or compliance purposes, and you waive any claims to compensation for such use.

To the extent your User Content includes your name, likeness, trade name, trademark, or voice, you hereby consent to CardOtter’s use thereof for the purposes described above, without compensation, to the extent permitted by law. You waive any right of approval, inspection, or royalties with respect to such use.

CardOtter reserves the right, but not the obligation, to monitor, screen, edit, or remove any User Content at its sole discretion and to cooperate fully with law enforcement or regulatory authorities in investigating alleged violations. CardOtter disclaims all responsibility for User Content and assumes no obligation to verify its accuracy or legality.

Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless CardOtter Inc., its affiliates, subsidiaries, officers, directors, members, employees, contractors, agents, licensors, and service providers (collectively, the “Indemnified Parties”) from and against any and all claims, actions, demands, suits, losses, damages, fines, penalties, costs, or expenses (including reasonable attorneys’ fees and court costs) arising out of or related to: (i) your use or misuse of the Platform or Services; (ii) your violation of these Terms, applicable law, or any third-party rights; (iii) any fraud, misrepresentation, or inaccuracy in the information or materials you provide; (iv) any content you submit or transmit through the Platform; or (v) any transaction, dispute, or interaction between you and another User or third party.

CardOtter reserves the exclusive right, at its sole discretion and expense, to assume control of the defense of any matter otherwise subject to indemnification by you. You agree to fully cooperate in the defense and settlement of any such claim, including by providing documents,
evidence, and testimony as reasonably requested. You may not settle any claim without CardOtter’s prior written consent.

This indemnification obligation shall survive the termination of this Agreement and your use of the Platform.

Governing Law

This Agreement is governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of or related to this Agreement or the Application shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Mandatory Arbitration

Most customer service issues can be resolved quickly and easily by calling or emailing our customer service teams. UNDER THIS AGREEMENT YOU AGREE TO THE MANDATORYARBITRATION OF DISPUTES REQUIRING THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS. THIS PROVISION REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM THE COMPANY. Any controversy, dispute, or claim arising out of or relating to this Agreement shall be settled by binding arbitration by the American Arbitration Association (“AAA”) in accordance with the AAA’s Commercial Arbitration Rules. In the event that our customer service team is not able to resolve your issue, but before you file a claim with the AAA, you must submit a Notice of Intent to File a Claim to the following e-mail address: legal@gchaven.club.

Once received, you agree to provide us with sixty (60) days to attempt to resolve your issue, subject to a good faith effort on both our part and yours to reach such a resolution. If, after 60 days no such resolution has been reached, you may file an individual claim for arbitration with the American Arbitration Association. At no time may your claim for arbitration be filed as part of a class or representing the interests or claims of more than one individual.

For claims for arbitration for amounts less than $10,000, you may request that the Arbitration be performed subject to the AAA Documents-Only Procedure described in R-29 of the AAAConsumer Rules. Any Arbitration conducted in person shall be conducted in New York county, New York before an arbitrator who is an attorney licensed in New York. If the parties cannot agree upon an arbitrator, the AAA shall appoint the arbitrator according to AAA’s selection procedures. Judgment upon any award of the arbitrator may be entered in any court having jurisdiction thereof (such judgment to include an award of reasonable attorneys’ fees and expenses, including the expense of arbitration, to the prevailing party). Notwithstanding the
foregoing, any party to this Agreement may seek any appropriate equitable relief, including injunction, to which it may be entitled.

Company reserves the right, but not obligation, and at its sole determination to consolidate claims for arbitration where:

∙ The claims for which arbitration is sought are substantially similar in nature based on the parties involved, the date, time or product at issue, and the nature of any claimed injury or damages;

∙ The claims are filed within a six-month period of time;

∙ And/or the claims are filed by a small number of law firms or attorneys. Termination

If you breach any provision of this Agreement you may no longer use the Platform. We may, in our sole discretion, change, suspend or terminate, temporarily or permanently, the Platform or any part thereof or any of its features at any time, for any reason, without any notice or liability to you or any other entity. If this Agreement or your permission to use the Platform is terminated by us for any reason, the agreement formed by your acceptance of this Agreement will nevertheless continue to apply and be binding upon you in respect of your prior use of the Platform and anything relating to or arising from such use. If you are dissatisfied with the Platform, then your sole and exclusive remedy is to discontinue using the Platform.

Severability and Entire Agreement

If any provision of this Agreement by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.

This Agreement, together with the Privacy Policy and any applicable supplemental terms or addenda incorporated by reference, constitutes the entire agreement between you and CardOtter regarding your use of the Platform and supersedes all prior or contemporaneous communications, representations, or agreements, whether oral or written.

No oral statements or prior correspondence shall modify or contradict these Terms. CardOtter reserves the right to assign this Agreement, in whole or in part, to any affiliate or successor entity without notice. You may not assign or transfer your rights under this Agreement without CardOtter’s prior written consent.

Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to: natural disasters, fires, floods, epidemics,
pandemics, strikes, labor disputes, war, terrorism, government orders, failure of suppliers, utility failures, or Internet service interruptions.

Assignment

We may assign or transfer these Terms, in whole or in part, without notice or consent, including in connection with a merger, acquisition, or sale of assets. You may not assign your rights or obligations without our prior written consent, and any unauthorized assignment shall be null and void.

Notices and Electronic Consent

You consent to receive all communications from us electronically. We may provide notices by email, through your account, or by posting them on the Platform. You agree these communications satisfy any legal requirement that such notices be in writing.

Waiver

No waiver of any term shall be deemed a continuing waiver or a waiver of any other term. No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us. You may not represent or bind us in any manner.

Survival

All provisions which by their nature should survive termination (including, without limitation, ownership rights, disclaimers, indemnities, limitation of liability, governing law, and arbitration) shall survive any termination or expiration of this Agreement.

Contact Information

If you have questions about these Terms, please contact us at: legal@gchaven.club.

BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THATYOU HAVE READ, UNDERSTOOD, AND AGREED TO BE LEGALLY BOUND BYTHESE TERMS.