These terms are the agreement between you and TJ Cards LLC ("Compy", "we", "us") for using the Compy app and website. By creating an account or using Compy you agree to them. Our Privacy Policy explains what information we collect and why. If you don't agree, please don't use Compy.
1. Your account
You must be at least 13 years old to use Compy. You can try the scanner without an account; everything else needs one.
Buying or selling on the Compy buylist is only for people 18 or older who can enter a binding agreement. Collectors under 18 can use every other part of Compy.
Give us accurate information, keep your password safe, and use one account per person. You're responsible for what happens on your account.
2. Using Compy
We give you a personal, non-transferable right to use Compy for its intended purpose. Please don't copy or resell our data, scrape the app, try to get around limits or security, reverse-engineer it, or use it to break the law or harm anyone.
3. Prices, scans and condition checks are estimates
Card identifications, market prices, price history, centering measurements and our condition and pre-grade guides are our best estimates, based on outside data and our own software. They can be wrong or out of date. They are not appraisals and not financial or investment advice. Always check before you buy, sell or grade a card - especially an expensive one. We're not responsible for decisions you make based on them.
4. Paid plans
Compy is free to use. Paid plans add features: Collector Plus (no ads, your own app color and a head start on new buylist orders), Vendor Pro (everything in Collector Plus plus the vendor tools) and Team (Vendor Pro for several people). Current prices and what's included are shown in the app before you buy. Plans renew automatically until cancelled; you keep the plan until the end of the period you've paid for. Plans bought through the App Store are billed, cancelled and refunded by Apple under Apple's rules. A free trial, where offered, is once per account. We may change plan prices for future billing periods with notice.
Free accounts see short ads in a few places, for example before the Centering tool. Today these are Compy's own ads (our plans) and, later, may include sponsors. We don't use outside ad networks and don't share your information with advertisers.
Scanning is free and unlimited for every account. We may limit use that looks automated or abusive (for example, scripts sending photos to our servers). Rewards for inviting friends have no cash value and can't be sold, transferred or exchanged.
4a. Inviting friends
While everyone has Vendor Pro free (section 4c), invite rewards add nothing on top of it. You can invite people with your invite link or code. A new account that signs up with a code gets 2 weeks of Vendor Pro free, and the person who invited them gets 2 weeks once the new account has started scanning (it adds up with each friend). The amounts are shown in the app and may change for future invites.
A code can be used once per new account, only in its first days, and never on your own account. Invites are for real people: creating accounts to collect free Vendor Pro time, or posting codes where that breaks another site's rules, isn't allowed. We can remove Vendor Pro time earned that way and close the accounts involved.
4b. Compy partner program
The partner program is by invitation from Compy. A partner earns, from the day each person joins with their link or code until 12 months after that day (or, for anyone who joined before the iPhone app launched, until 12 months after launch day): 20% of the fee Compy keeps on that person's finished buylist sales as the seller (never on what they buy, or on a seller's first shipment), and 50% of what Compy receives from that person's subscriptions after the app store's fee. Only one partner earns from a sale. The shares and the 12 months shown in the app when someone joins apply to that person; we may change them for people who join later.
Earnings are worked out only from money Compy has actually collected, after the sale is finished (and any returns are settled), and are paid each month through Stripe once they reach $25. Partners need a payout account with Stripe (18+, US). Partner earnings are income and partners are responsible for their own taxes; Stripe may issue a tax form.
Partners must say they're a Compy partner and earn from sign-ups whenever they promote Compy. Only brand-new accounts signed up with the link or code count, never the partner's own. Fake accounts, sales made to earn from oneself, or misleading promotion end the partnership, and earnings from them aren't paid. Compy can end a partnership at any time; earnings already made from real sales are still paid, but nothing more is earned after the partnership ends.
4c. Early access and Founding Members
Until the Compy iPhone app is live on the App Store, every account gets the Vendor Pro features free. That ends the day the app goes live, unless you then choose a paid plan. The first 1,000 accounts created are Founding Members, in the order our records show. A Founding Member gets a numbered badge and Collector Plus free for 12 months from the day the app goes live. It then ends unless you choose a paid plan. These free plans have no cash value and can't be transferred. Compy may remove them from accounts made to get around the limit or that break these Terms, and deleting your account ends them.
5. The Compy buylist
The buylist lets approved buyers post standing offers for cards ("buy orders"), and lets anyone 18+ sell cards into those offers. These rules apply to every buylist sale. The full condition rules are in the Compy condition guide, which is part of these terms.
5.1 What Compy does - and doesn't do
Compy runs the marketplace. The sale is between the buyer and the seller; Compy is not the buyer or the seller of any card and doesn't own, hold or inspect the cards, except on orders from a buyer marked "Run by Compy's founder" (see 5.2).
Each seller appoints Compy as its limited agent to collect payment from the buyer. When a buyer's payment for a sale is received through our payment processor, the buyer has paid the seller for that sale, and the seller looks only to Compy (not the buyer) for the payout under these rules.
Payments are handled by our payment processor (Stripe). Money for a sale is held by the processor, not in a Compy bank account, until the sale is settled. Compy does not offer a balance, wallet or stored value, and pays no interest.
5.2 Buyers
Buyers apply and are approved by a person at Compy. We can decline or remove a buyer at any time.
Buyers pay from a business bank account linked through our payment processor, in one of two ways:
Pay as you go (the default): posting orders costs nothing. When a seller accepts, that sale is charged to the buyer's bank; the seller sends the cards only after that payment has arrived (usually 2-4 business days). These orders stay up until they are filled or the buyer cancels them. Compy sets a limit on how much a buyer can owe on open sales at once.
Instant deals (paid up front): the buyer pays for a batch of orders before it goes live; sellers can send right away. These orders stay up until filled, for up to 90 days. When they close and every sale from them is finished, money not spent is refunded to the same bank account it was paid from, less a refund fee of 1% of the amount sent back (at most $25). This is a refund of a prepayment for those orders - it is not a balance, wallet or stored value.
Buyers with a record of completed purchases may be marked trusted: sellers can then send their cards before the payment has arrived. If that payment fails, the sale goes on hold, the buyer's orders are paused and Compy decides how the seller is made whole.
If a payment bounces or is reversed, its orders are cancelled, all of the buyer's orders are paused, and Compy reviews the account. Buyers must not reverse a payment for cards they received.
Compy may require a buyer to pay up front, for example after a payment problem. Every 30 days buyers are asked to confirm the orders they still want.
Approved buyers have a public buyer profile. It shows their buyer name, badges, the bio and links they add, cards bought, their usual handling of sales, sellers' ratings and reviews, and their open buy orders. Buyers must keep it accurate and must not link to anything unlawful or misleading.
TJ Cards LLC or its owners may post buy orders on the buylist. Those buyers follow the same rules as every other buyer and are marked "Run by Compy's founder" on their buyer profile and on the sell screen before a seller accepts. On a buy order for a specific card they don't offer less after it arrives: they keep it at the full price or send it back. On bulk lots, slab lots and price-range lists, where the seller picks which cards to send, they may offer less like any other buyer, and the seller can accept or refuse each lower offer as usual. If a seller and one of these buyers can't agree, the sale is undone: the card goes back to the seller, the buyer is refunded, and Compy pays the return postage. Someone outside Compy decides anything that can't be undone this way.
A buy order is a real promise to pay the price shown when a seller accepts. Buy orders can be for raw cards in a stated condition, graded slabs (a grading company and a minimum grade) or factory-sealed products.
The price of a sale is locked the moment a seller accepts. Percentage orders pay no more than the top price the buyer set, apart from flexible slab orders, which the buyer confirms first. On orders the buyer checks first, the price is final once the buyer and seller agree it at that check.
5.3 Sellers
Before your first sale you confirm you're 18 or older and set up payouts with our payment processor (which may ask for your name, date of birth, bank account and tax details), and give a return address.
You must own the cards, they must be genuine, and they must be the exact card, printing and condition you choose. Proxies, reprints, fakes and altered or trimmed cards are banned.
Take a live photo of the front and back of every card when you accept - the actual card you'll send. These photos are your proof if there's a disagreement. For a graded slab, enter its cert number.
Ship within 5 days of the buyer's payment clearing, packed safely (sleeve, toploader, rigid mailer), with the order code inside. A sale not sent in time is cancelled and the buyer is refunded.
Every sale is sent with tracking. There is no limit on how many cards one sale can include; every card needs its own front and back photo.
Use your own label and add its tracking, or buy a label in the app: you pay the postage shown plus a $1.99 label fee by card when you buy it. A label that can't be bought is refunded in full. The label fee isn't refunded once the label is bought. A label the carrier hasn't scanned yet can be cancelled within 28 days; its postage goes back on your card once the carrier confirms the refund. Buyers can buy return labels the same way.
You can send a slab to more than one buyer at the same time. Nothing is sold until a buyer accepts it, or you accept a price a buyer sends back. The first one wins and the slab comes off the others' lists. Each sale ships on its own, with its own shipping cost and label.
Sales to the same buyer can share one package and one label. Each one stays its own sale: it has its own percentage fee, and the buyer checks it on its own. If you add a sale to a package that already has a label, it must fit and stay within the weight you bought the label for.
We follow each package with the carrier. When the carrier shows it delivered, the sale counts as delivered and the buyer's time to inspect starts.
5.4 Delivery and inspection
The buyer checks every card within 3 days of delivery. If they don't, the sale completes by itself as if every card was kept, and the seller is paid. The buyer can finish sooner.
If neither side reports anything, a package is treated as delivered 10 days after it was sent. A buyer whose package hasn't arrived must report it before then.
For each card the buyer chooses: keep it, offer less, or send it back.
Sellers can see each buyer's record: how often they offer less, how often they send cards back, and how quickly they usually check cards.
5.5 Lower offers and returns
Every lower offer and every return needs the buyer's own photos of that card, front and back. A lower offer can't be under 60% of the agreed price - a card worth less than that should be sent back instead.
The seller has 48 hours to accept or refuse each lower offer, and to say whether they want each returned card back. With no answer in time, the lower offers are accepted and returned cards come back to the seller.
If a buyer gets a card that's better than ordered (a 1st Edition instead of Unlimited, for example), the sale goes ahead at the agreed price unless the seller and buyer agree otherwise.
Cards going back must be sent within 7 days, with tracking, to the seller's return address. If not, the buyer pays for them as if kept. A slab can only be returned if its cert number matches the one the seller recorded.
Return postage is paid by whoever was at fault; Compy never pays it. When the seller agrees, or a person at Compy decides, that the cards weren't as described (a different card, or a worse condition than the seller's photos showed), the seller pays: if the buyer keeps nothing, the seller buys the return label in the app and the buyer prints it; if the buyer keeps some cards, the return postage comes out of the seller's payout. If the cards were as described, the buyer pays their own return postage and it counts against their record. A seller who doesn't buy a return label they owe within the return window is looked at by a person at Compy.
5.6 Review by a person at Compy
When a buyer offers less or wants to send a card back, the seller answers first: accept the buyer's offer (Compy's fee still applies), decline and have the card sent back (the seller pays return postage), or decline and let the buyer keep the card at no charge. No answer within 48 hours means the buyer's offer is accepted. Either side can ask a real person at Compy to decide instead; the sale's deadlines and money wait until we do. A card reported as not genuine or missing from the package always comes to us: we put the sale on hold, ask both sides what happened, and decide.
We decide from the evidence: the seller's photos, the buyer's photos, the condition guide, the order and tracking. When the buyer's photos don't clearly show the problem, we side with the seller. We aim to decide within 5 business days.
Every step of a sale and every decision we make is recorded on the sale. Our decision settles the money on the buylist.
5.7 Fees and payouts
Buyers pay no buylist fee. Sellers pay a fee on each completed sale: a share of the cards kept, plus a flat amount per package (sales sent together in one package pay it once). Both depend on your completed buylist sales in the last 30 days: 4.99% + $1.99 (under $1,000), 3.99% + $0.99 (from $1,000), 3.5% + $0.49 (from $10,000). On a sale or package worth under $25 the flat amount is at most $0.99. The fee is never more than the sale.
Your first shipment on the buylist pays no Compy fee, up to $10 off. The payment processor's charges for that shipment are still taken out of it. One shipment per seller, and a sale too small to get anything off doesn't use it up. We can end this offer for sales made after we change it.
When a sale completes, the seller is paid for the cards kept, minus the fee (and minus return postage when the seller was at fault), and the buyer gets back the rest of what they paid.
For a seller's first 5 sales, 20% of each payout is held for 14 days before it's released.
Sellers are paid once a week: everything settled by then goes to your bank every Thursday (a sale settled a day or two before may go the following Thursday), then takes the bank's usual 1-2 business days to show. We may change fees for future sales with at least 14 days' notice in the app.
5.7a Reviews
After a finished sale, the seller may rate the buyer (1 to 5 stars) and add a short comment. One review per sale, about that sale only. Reviews must be honest and must not include personal information, threats or offensive content. A person at Compy may remove a review that breaks these rules; we don't remove reviews just because they're negative, and reviews can't be bought or traded.
5.8 Strikes
Strikes are given only by a person at Compy, after looking at a sale - for example for sending a card in worse condition than stated, not sending a sale you accepted, offering less or sending back without a real problem, or not returning a card. Each one is shown on your account with the reason. 3 strikes end your buylist access (buying or selling, whichever the strikes were for). We can remove access sooner for serious cases, such as fake cards, fraud or reversing a payment for cards you received.
5.9 Taxes
You're responsible for your own taxes. Sellers who are paid more than the US reporting threshold in a year (currently more than $20,000 and more than 200 sales) will get a Form 1099-K for their buylist sales, and may be asked for their full tax ID to receive payouts. Buyers buy for resale: every approved buyer must keep a valid sales tax resale certificate on file with Compy that covers the state the cards are shipped to, and must tell us if it expires or is withdrawn. Where the law makes Compy the marketplace that collects sales tax, and a sale isn't covered by a valid resale certificate, we will add the sales tax to that sale.
6. Your content
You keep ownership of the photos and notes you add. You let us store, show and process them to run Compy - for example showing your buylist photos to the other side of a sale and to the person reviewing it. Don't upload anything you don't have the right to share.
Vendor pages can show ways to pay that vendor, such as Venmo, Cash App, PayPal or Zelle. Those payments go straight to the vendor. Compy isn't part of them, doesn't handle the money and can't get it back, and the buylist protections in section 5 don't cover them.
7. Ending your account
You can stop using Compy at any time and delete your account in the app (Settings > Account > Delete account) or ask us to. We can suspend or close an account that breaks these terms, puts others at risk or could expose us to legal trouble. Open buylist sales are finished or refunded under these rules first.
8. No warranties
Compy is provided "as is". We work hard to keep it accurate and running, but we don't promise it will always be available, error-free, or that its prices or estimates are right. Cards are sold by the sellers, not by Compy.
9. Limits on our liability
To the extent the law allows, Compy isn't liable for indirect or consequential losses (such as lost profits or lost opportunities), and our total liability to you for any claim is limited to the greater of $100 or the fees you paid Compy in the 12 months before the claim. Nothing here limits liability that the law doesn't allow to be limited.
10. If you cause us a problem
If a claim is brought against Compy because of something you did on Compy - for example selling a fake card - you agree to cover the reasonable costs that result.
11. Disagreements with Compy
If you have a problem with Compy itself, contact us first and we'll try to sort it out within 30 days. These terms are governed by the laws of the State of California and the United States. Either of us may bring a claim in small claims court.
12. Changes to these terms
We may update these terms. For a meaningful change we'll tell you in the app before it takes effect; continuing to use Compy after that means you accept the new terms. The date at the top shows the latest version.
Copyright and trademark complaints
If you think something on Compy infringes your copyright or trademark, email support@getcompy.app with the page, the work and how to reach you, and we'll look into it. Some eBay links are affiliate links, so Compy may earn a commission.
Compy is an independent app by TJ Cards LLC. It is not affiliated with, endorsed by or sponsored by Nintendo, The Pokémon Company, Bandai, Disney, Ravensburger, Riot Games, PSA, CGC, Beckett, TAG, TCGplayer, eBay or Alt. All game names, card images and trademarks belong to their owners. Some eBay links are affiliate links, so Compy may earn a commission.