Legal

Terms of Service

Last updated: August 26, 2026

Key Things to Know

This is a plain-English summary of the most important terms. The full Terms below control if there is any conflict.

What we are. "Should I Rip?" is a subscription analytics tool that estimates the Expected Value (EV) of Arena Club trading-card packs. It is run by Triple Lloyd, LLC.
What we are not. We are not a gambling, brokerage, securities, or financial-advice service. We do not sell, ship, or open packs. You open packs yourself at Arena Club's own site.
You must be 18+. The Service is for adults only.
Your subscription auto-renews until you cancel (see Section 4.3). You can cancel any time online from your Account page; cancellation is at least as easy as signing up (see Section 4.6).
No prorated refunds. Cancellation stops future charges but does not refund the unused portion of your current month or year (see Section 4.7).
Independent from Arena Club. We have no affiliate, sponsorship, advertising, or business relationship with Arena Club and earn no commission on purchases there. Outbound links to arenaclub.com are provided for your convenience only (see Section 10).
Disputes go to individual arbitration; class actions are waived. You can opt out within 30 days of first accepting these Terms by emailing hello@shouldirip.com with subject "Arbitration Opt-Out" (see Section 17.5).
Alaska law applies.

These Terms of Service (the "Terms") are a binding agreement between you and Triple Lloyd, LLC, an Alaska limited liability company ("Triple Lloyd," "we," "us," "our"). They govern your access to and use of the website at https://shouldirip.com and the "Should I Rip?" service (together, the "Service" or "Site"). The Service is a subscription analytics tool. Our companion Privacy Policy explains what data we collect.

By creating an account, clicking "I agree" (or any similarly labeled button), subscribing to a paid plan, or otherwise accessing or using the Service, you accept these Terms and the Privacy Policy. If you do not agree, do not use the Service.

Acceptance and Eligibility
The Service
Account Registration and Security
Subscriptions, Billing, and Auto-Renewal
Founding Member Terms
Free Tier
Acceptable Use
User Content and License Grant
Intellectual Property
Independence and Outbound Links
Third-Party Services and Sites
Disclaimers
Limitation of Liability
Indemnification
DMCA and Copyright
Termination
Dispute Resolution; Arbitration; Class-Action Waiver; Governing Law
Changes to These Terms
Accessibility
Miscellaneous
Contact

1. Acceptance and Eligibility

The Service is for users who are at least eighteen (18) years of age and who have the legal capacity to enter into a binding contract. By accessing or using the Service, you represent and warrant that:

you are 18 years of age or older;
you are not barred from receiving services under the laws of the United States or any other applicable jurisdiction;
you are not located in, organized under the laws of, or ordinarily resident in any country or region subject to comprehensive U.S. sanctions, and you are not on any U.S. government list of prohibited or restricted parties; and
all information you provide is accurate, current, and complete.

The Service is operated from the United States and is intended primarily for users located in the United States. We make no representation that the Service is appropriate or available for use in any other jurisdiction. If you access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local law.

The Service is for users 18 years of age or older. We do not knowingly collect Personal Information from anyone under 18. Consistent with the U.S. Children's Online Privacy Protection Act ("COPPA"), we do not knowingly collect Personal Information from children under 13. If we discover that an account was opened by a person under 18, we will cancel the subscription and, upon written request by a parent or legal guardian, refund any unused subscription fees notwithstanding our standard no-refund policy in Section 4.7.

You consent to receive communications from us electronically — by email, in-app notice, or posts on the Site — and you agree that electronic communications satisfy any legal requirement that such communications be in writing.

2. The Service

The Service is an analytics and informational product. It ingests publicly observable trading-card pack data from Arena Club (ArenaClub.com, Inc.), computes an Expected Value ("EV") estimate for each pack, surfaces rankings and time-series charts, computes its "CS Trigger" statistic (an estimate of the share of pulls on which Arena Club's optional "Collect Safe" buyback floor would activate), and, for paid subscribers (Pro and Founding Member), sends positive-EV email alerts. Users open ("rip") trading-card packs themselves at Arena Club's own site under Arena Club's terms. No pack opening, purchase, sale, or transaction occurs on the Service.

What the Service is not. The Service does not:

host, accept, broker, facilitate, or pay out any wager, bet, lottery, sweepstake, or other game of chance;
buy, sell, broker, ship, grade, authenticate, or fulfill any trading card or other product;
offer or provide financial, investment, securities, brokerage, commodities, tax, legal, accounting, gambling, wagering, collectibles-investment, alternative-investment, or consumer-purchasing advice; or
recommend that you purchase, open, hold, refrain from purchasing, or refrain from opening any trading-card pack or other product.

Not a gambling service. No element of consideration paid to us or prize awarded by us occurs on the Service. You cannot stake, wager, deposit, or win anything of value here. The Service publishes analytics about a randomized consumer good sold by a third party. Some features illustrate those published odds using a random number generator — for example, a simulated pack rip that draws a card from our record of a pack’s pool. Simulated results are illustrations only: nothing is purchased, nothing is awarded, no card or credit changes hands, and a simulated outcome confers no entitlement of any kind. Triple Lloyd does not characterize the underlying pack mechanic for any legal purpose; you should consult counsel if you have questions about the legal status of trading-card packs in your jurisdiction.

Not financial advice. EV figures, rankings, CS Trigger figures, and +EV alerts are statistical estimates derived from publicly observable data. Triple Lloyd is not a registered investment adviser, broker-dealer, commodity trading advisor, financial institution, fiduciary, or gaming operator, and is not acting in any such capacity. A CS Trigger figure is a statistical estimate, not a recommendation, endorsement, or rating regulated by any financial regulator. You alone are responsible for your purchases and pack-opening decisions.

Independence from Arena Club. Triple Lloyd is not affiliated with, endorsed by, sponsored by, or otherwise associated with Arena Club. We refer to Arena Club's product and feature names — "Arena Club," "Slab Packs," and "Collect Safe" — only to identify the product and features analyzed by the Service. "Collect Safe" is Arena Club's buyback/insurance feature; our "CS Trigger" is our own independent statistical estimate of how often Arena Club's "Collect Safe" buyback floor would activate, and is not Arena Club's. We do not use Arena Club's logos, stylized wordmarks, or any other trade dress. All Arena Club trademarks are the property of ArenaClub.com, Inc. and are used in compliance with applicable trademark law.

3. Account Registration and Security

To access most features of the Service, you must create an account. Authentication is provided through Supabase Auth using Sign in with Apple, Sign in with Google, or an email magic link. You agree to provide accurate information, to keep it current, and to maintain the security of the credentials and inbox associated with your account.

One account per person. Accounts are personal and non-transferable. You may not share, sell, or assign your account.
Responsibility. You are responsible for all activity that occurs under your account, including by anyone who accesses it through your authentication provider.
Unauthorized access. You agree to notify us promptly at hello@shouldirip.com of any actual or suspected unauthorized access to your account or other security incident.
Our rights. We may suspend, limit, restrict, or terminate access to your account at any time if we reasonably believe you have violated these Terms, created risk or legal exposure for us or another user, abused the Service, or failed to pay amounts due.

4. Subscriptions, Billing, and Auto-Renewal

The Service offers a Free tier, a Pro paid subscription, and a limited Founding Member tier (see Section 5). Pricing, billing cycle, and included features are described at checkout and may change as set out in Section 4.8.

4.1 Payment Processing.

All payments are processed by Stripe, Inc. ("Stripe"). Your use of Stripe is subject to Stripe's own terms and privacy policy. Triple Lloyd does not receive or store full payment card numbers, CVV codes, or expiration dates. We retain only a Stripe customer identifier, your subscription status, your billing cycle, and similar billing metadata. If you choose to pay using Stripe Link, Apple Pay, Google Pay, or another wallet-based method, the wallet provider transmits a payment token to Stripe; we do not receive your underlying card details in any case.

4.2 Pricing, Currency, and Taxes.

Prices are stated in U.S. dollars (USD). You are responsible for any sales, use, value-added, goods-and-services, or similar taxes applicable to your subscription, except taxes assessed on Triple Lloyd's net income. Where we are required to collect such taxes, they will be added at checkout.

4.3 Auto-Renewing Subscription — Important.

Your paid subscription auto-renews.

We charge your payment method on file at the start of each billing period until you cancel.
Billing frequency is monthly or annual — whichever you selected at checkout.
The amount charged is the then-current rate for your plan (Founding Member pricing is locked in under Section 5).
You can cancel anytime online from Account → Subscription. Cancellation stops future renewals and takes effect at the end of your current billing period. No prorated refunds.

By starting a Pro or Founding Member subscription, you authorize Triple Lloyd, through Stripe, to charge your payment method on a recurring basis on these terms until you cancel.

Affirmative consent at checkout. At checkout you will affirmatively consent to the auto-renewing subscription terms separately from your general acceptance of these Terms. We satisfy this requirement either (a) by requiring you to check a dedicated, unchecked-by-default checkbox before enabling the Subscribe button, or (b) by labeling the Subscribe button itself with the recurring-charge terms (for example, "Subscribe — $X.XX per month, auto-renews until you cancel"), where clicking the button constitutes your affirmative consent. In either case, the checkout page presents in immediate visual proximity to your consent action a clear and conspicuous disclosure of (i) the recurring charge amount in U.S. dollars, (ii) the billing frequency, (iii) the date of the first charge, (iv) the cancellation policy, and (v) a hyperlink to these Terms.

Order confirmation. Promptly after your initial subscription, we will email you an order confirmation that restates the auto-renewal terms, the recurring charge, and instructions for cancellation.

Promotional pricing and free trials. If we ever offer a free trial or promotional rate that converts to a paid auto-renewing subscription, we will send you an email reminder between three (3) and twenty-one (21) days before the conversion identifying the new price, the conversion date, and a one-click link to cancel from your Account → Subscription page.

4.4 Renewal Reminders.

For any subscription with a billing period of one year or longer, we will send you a reminder email between three (3) and twenty-one (21) days before each automatic renewal. The reminder will identify (i) that the subscription will automatically renew unless you cancel, (ii) the renewal term length, (iii) the exact charge amount, (iv) a one-click link to cancel from your Account → Subscription page, and (v) any price change taking effect at renewal. We may, in our discretion, send similar reminders for monthly subscriptions.

4.5 Failed Charges and Payment Retries.

If a renewal charge fails, we (through Stripe) may retry the charge one or more times, as we or our payment processor determine appropriate, over a period of up to fifteen (15) days. We will email you after the first failure with a link to update your payment method. After fifteen (15) days of unresolved failure, we may downgrade your account to Free and suspend Pro or Founding Member features until payment is resolved. You remain responsible for amounts owed.

4.6 Cancellation — Cancel Anytime, As Easily As You Signed Up.

You may cancel your subscription at any time online from your Account → Subscription page. The web cancellation flow is available 24/7 in the same medium in which you signed up and requires no more steps than enrollment did. We may present a single optional offer (such as a plan pause, downgrade, or retention discount) before completing your cancellation, but in every case the "Cancel" option will be at least as prominent as any retention option, will be available in a single click, and you may proceed directly to cancellation without accepting any offer. We will not require you to call, email, chat, speak with a representative or chatbot, navigate to a different website, complete a survey, or work through additional retention or save-offer screens beyond the single optional offer described above. As an additional convenience — not a required path — you may also email hello@shouldirip.com to cancel.

Cancellation takes effect at the end of your then-current billing period. You will continue to have paid access until that date.

You may also delete your account entirely from your Account settings. Deleting your account immediately cancels your subscription — including one for which a payment is still being retried under Section 4.5 — and voids any unpaid invoice on your account, so no further charges are made and no unpaid balance remains owed. It then schedules your account and data for permanent deletion after a 30-day grace period, during which you may sign back in to restore it. No prorated refunds are issued on deletion for amounts already paid (see Section 4.7).

4.7 Refund Policy — No Prorated Refunds.

No refunds. Cancellation stops future charges but does not refund any amount already paid for the current or any prior billing period. We do not issue prorated refunds for the unused portion of a billing period.

All charges are final and non-refundable except where required by law or as expressly stated in these Terms (for example, the minor-account refund in Section 1, the without-cause-termination refund in Section 16, and the material-feature-reduction refund in Section 5).

4.8 Price Changes for Existing Subscribers.

We may change pricing for new subscriptions at any time. For existing subscribers (other than Founding Members, who are addressed in Section 5), we will provide at least thirty (30) days' advance notice by email or in-app notice before any price increase takes effect at your next renewal. The notice will identify (i) the current price, (ii) the new price, (iii) the effective date, and (iv) a one-click link to cancel from your Account → Subscription page. If you do not cancel before the effective date, the new price will apply at your next renewal.

4.9 Chargebacks and Billing Disputes.

If you believe a charge is erroneous, please contact hello@shouldirip.com before initiating a chargeback with your card issuer. Bona fide billing errors, duplicate charges, and unauthorized transactions will be promptly investigated and refunded as warranted. Initiating a chargeback for a charge that we determine in good faith to be valid may result in suspension or termination of your account and, where permitted by law, recovery of any chargeback fees we incur.

4.10 Communications Channels.

We currently communicate with you only by email and in-app notice. We do not send SMS/text messages or push notifications. If we add such channels, we will obtain your prior express consent in compliance with the Telephone Consumer Protection Act (TCPA), CAN-SPAM, and other applicable laws, and you will be able to opt out at any time.

5. Founding Member Terms

The Founding Member tier is offered on a limited basis to the first one hundred (100) paid subscribers who select that plan. Each Founding Member is assigned a unique sequential Founder Number recorded on the member's profile. Founding Members receive Pro-tier features, including +EV email alerts.

Locked-in pricing. So long as your Founding Member subscription remains continuously active and in good standing (as defined below), Triple Lloyd will not increase the subscription price for your plan. "Locked-in" pricing means pricing for the operating life of the Service; it does not obligate Triple Lloyd to operate the Service indefinitely or to continue offering any specific feature. Locked-in pricing applies only to the specific plan (monthly or annual) you selected at Founding Member signup; switching plans constitutes a new subscription at the then-current rate.
What "good standing" means. Your subscription is "in good standing" so long as Stripe successfully charges your payment method within fifteen (15) days of each scheduled renewal. We (through Stripe) may attempt to retry a failed charge one or more times during that period and may send you one or more payment-retry notices. A successful payment within that fifteen-day grace period preserves your Founding Member status. If payment is not successful by day fifteen (15) after the renewal date, your Founding Member status, Founder Number, and locked-in pricing are forfeited. Once forfeited, Founding Member status cannot be restored except in Triple Lloyd's sole discretion.
Carve-outs from locked-in pricing. Locked-in pricing does not prevent (i) pass-through of new or increased sales, use, value-added, or similar taxes; (ii) charges for new optional add-on features or premium tiers offered separately from the Founding Member subscription; or (iii) changes to free-tier or other plan structures. Founding Members will be notified of any such additional offerings and may decline them without affecting locked-in pricing for the existing subscription.
Material feature reductions. Triple Lloyd may modify the Pro feature set from time to time. So long as Triple Lloyd continues to offer Pro in substantially the same form (real-time +EV email alerts and the core analytics features available to Pro at the time you became a Founding Member), your locked-in pricing remains in effect. If Triple Lloyd materially reduces the core Pro feature set, you may cancel and receive a pro-rata refund of your then-current billing period.
Non-transferable. Founding Member status and the Founder Number are personal to you and may not be sold, assigned, gifted, or otherwise transferred.
Feature additions. Triple Lloyd may, but is not obligated to, add Pro-tier features to Founding Member accounts at no additional charge.
Cap. Once 30 Founding Member slots have been assigned, the tier closes. We may, in our discretion, retire or modify the tier going forward, but doing so will not retroactively affect locked-in pricing for then-current Founding Members. We may reassign a forfeited Founder Number to a new member.
Assignment. In the event of an assignment of these Terms under Section 20, the successor will be bound by the locked-in pricing commitment for then-current Founding Members for the life of those members' continuous subscriptions.

6. Free Tier

The Free tier provides read-only access to a defined subset of statistics and features. Free-tier features may change, be limited, throttled, or discontinued. We will provide reasonable notice (by in-app notice or email) before materially reducing or discontinuing any Free-tier feature that was specifically advertised at the time of your signup. Routine changes, performance optimizations, security updates, and bug fixes do not require notice. The Free tier is offered "as is" and remains subject to all provisions of these Terms.

7. Acceptable Use

You agree not to, and not to permit any third party to:

scrape, crawl, spider, harvest, mirror, or use other automated means (including bots, headless browsers, or AI agents) to access the Service or extract data at scale or in a manner that materially burdens our infrastructure or circumvents rate limits (accessibility tools used by individual users for personal use are not prohibited);
reverse-engineer, decompile, disassemble, or attempt to derive the source code, EV models, rankings algorithms, alert logic, or other non-public components of the Service;
resell, sublicense, mirror, redistribute, frame, or commercially exploit the Service or any EV data, rankings, charts, CS Trigger figures, alerts, or other output produced by the Service;
use the Service, or any data or output obtained from it, to train, fine-tune, evaluate, or develop any machine-learning model, large language model, or other AI system, except for your own personal non-commercial research;
use the Service in a manner that would constitute access in excess of authorization under the Computer Fraud and Abuse Act, 18 U.S.C. § 1030;
use the Service to violate any law, regulation, or third-party right, including intellectual-property, privacy, publicity, contract, or sanctions rights;
infringe or misappropriate any patent, copyright, trademark, trade secret, or other proprietary right;
probe, scan, test the vulnerability of, or breach any authentication, rate-limit, or security measure of the Service;
interfere with, overload, disrupt, or degrade the Service or any user's enjoyment of it, including by denial-of-service attacks;
submit abusive, harassing, threatening, defamatory, obscene, hateful, sexually explicit, infringing, deceptive, fraudulent, or otherwise unlawful content through feedback submissions, display names, or any other input;
submit through the feedback channel any Personal Information of any individual other than yourself;
misuse or abuse the feedback channel, including by submitting spam, mass or automated submissions, or content unrelated to the Service;
impersonate any person or entity, or misrepresent your affiliation with any person or entity;
use the Service to send spam or unsolicited messages, or to evade rate limits or account restrictions; or
circumvent any technical or contractual restriction applicable to your tier.

We may investigate and respond to suspected violations, including by removing content, suspending or terminating accounts, and cooperating with law enforcement.

8. User Content and License Grant

"User Content" means any information or material you submit to or through the Service, including feedback, display name, favorites (pack IDs), alert mode, and email preferences. You retain ownership of your User Content.

You grant Triple Lloyd a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable, and transferable license to host, store, copy, reproduce, transmit, modify (for formatting and technical compatibility), and display your User Content, solely to:

operate, provide, maintain, and secure the Service;
display your User Content back to you and, where the Service is designed to do so, to other users;
debug, improve, and develop the Service; and
comply with legal obligations.

We will not use your User Content (other than de-identified, anonymized, or aggregated data) for marketing or promotional purposes without your separate consent. Public-facing testimonials, display names, or quotes attributed to you require your prior written consent.

This license terminates when you delete the relevant User Content or your account, except that (i) we may retain backup copies for a commercially reasonable period and (ii) any feedback you submit may be used by us in de-identified, anonymized, or aggregated form without restriction and without obligation to you.

You represent and warrant that you have all rights necessary to grant the foregoing license and that your User Content does not and will not violate these Terms or any law or third-party right.

Display names. Any display name you choose is shown only within your own account view and to our staff; we do not display it publicly to other users. We may rename, remove, or reassign any display name that we reasonably determine is offensive, misleading, infringing, impersonates another, or otherwise violates these Terms.

9. Intellectual Property

The Service — including its software, user interface, EV models, rankings, charts, alert logic, documentation, content, and the mark "Should I Rip?" — is owned by Triple Lloyd or its licensors and is protected by U.S. and international intellectual-property laws. Except for the limited license granted below, no rights, title, or interest in or to the Service are granted to you by implication or otherwise.

License to you. Subject to your compliance with these Terms, Triple Lloyd grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your own personal, non-commercial use.

Use of Arena Club marks. "Arena Club," "Slab Packs," and "Collect Safe" are trademarks or registered trademarks of ArenaClub.com, Inc. We refer to them only to identify the product and features we analyze — not as a brand endorsement. We use only the word marks, do not use Arena Club's logos or stylized wordmarks, and use only so much of the marks as is reasonably necessary to identify the analyzed product. Triple Lloyd is not affiliated with, endorsed by, sponsored by, or otherwise associated with Arena Club. All other trademarks, service marks, and trade names referenced on the Service are the property of their respective owners.

Feedback. If you provide suggestions, ideas, or other feedback regarding the Service, you grant Triple Lloyd a perpetual, irrevocable, worldwide, royalty-free license to use and exploit such feedback for any purpose, without obligation to you.

10. Independence and Outbound Links

No affiliate relationship. Triple Lloyd has no affiliate, sponsorship, advertising, or data relationship with Arena Club or any affiliate network. The Service does not earn a commission, referral fee, or other compensation when you click an outbound link to arenaclub.com or make a purchase there.

Outbound links. Outbound links to arenaclub.com are provided for your convenience only, to identify the product the Service analyzes. We do not control arenaclub.com; your activity there is governed by Arena Club's own terms and privacy policy.

Editorial independence. Nothing about Arena Club or any third party influences the EV calculations, rankings, CS Trigger figures, or +EV alerts produced by the Service.

If this ever changes. If we enter any paid, affiliate, or sponsored relationship in the future, we will disclose it clearly and conspicuously — both here and at or near the affected links — consistent with the U.S. Federal Trade Commission's Endorsement Guides (16 C.F.R. Part 255).

11. Third-Party Services and Sites

The Service references, integrates with, and links to third-party services and websites. These fall into two groups:

Third-party services we link to: Arena Club (the source of the publicly observable pack data the Service analyzes).
Service providers that process data on our behalf: Stripe (payments), Supabase (authentication and database), PostHog (product analytics), Pulsetic (uptime monitoring and page-performance measurement), Postmark (transactional email), Slack (internal team communication and operational notifications), Apple (Sign in with Apple), Google (Sign in with Google), Vultr (cloud hosting), and Cloudflare (CDN, DNS, and edge security). The Privacy Policy describes how each provider processes your information.

Triple Lloyd does not control and is not responsible for the content, products, prices, availability, fulfillment, shipping, refunds, account terms, security, or privacy practices of any third party, including Arena Club. Your dealings with any third party are solely between you and that third party. We are not liable for any loss or damage arising from such dealings.

12. Disclaimers

In plain English: The Service is provided "as is." EV numbers are estimates, not guarantees. We don't promise the Site will always work or that the numbers will always be right. You may lose money on packs you buy.

12.1 No Advice; Analytics Only.

The Service is an analytics and informational tool. EV figures, rankings, CS Trigger figures, and +EV alerts are statistical estimates and may be inaccurate, stale, incomplete, or revised at any time. Nothing on the Service constitutes financial, investment, securities, brokerage, commodities, tax, legal, accounting, gambling, wagering, collectibles-investment, alternative-investment, consumer-purchasing, or other professional advice, or a recommendation to buy, sell, hold, open, or refrain from opening any trading-card pack or any other product.

EV is a probabilistic model of mean outcomes. It does not predict the contents of any specific pack. PAST EV IS NOT INDICATIVE OF FUTURE EV. YOU MAY PAY MORE FOR A PACK THAN THE VALUE OF ITS CONTENTS AND MAY LOSE MONEY.

12.2 No Gambling Characterization.

The Service analyzes the expected value of a randomized consumer good sold by Arena Club. Arena Club's pack mechanic, and your decision to purchase or open a pack, are not gambling, wagering, or a lottery under the laws of the United States or, to our knowledge, any U.S. state. Triple Lloyd does not characterize the underlying pack mechanic for any legal purpose, and you should consult counsel if you have questions about the legal status of trading-card packs in your jurisdiction.

12.3 Data Source Dependency.

The Service ingests pack data from information Arena Club makes publicly available, together with card-value estimates the Service derives from publicly available third-party sale data. Triple Lloyd has no control over the availability, format, accuracy, completeness, or timing of data published by Arena Club. If Arena Club changes its data publication, removes that information, alters pack structures or pricing, or otherwise modifies its product, the EV calculations, rankings, and alerts produced by the Service may become inaccurate, delayed, partially missing, or unavailable for an extended period. We make no warranty that the Service will reflect the most current Arena Club data or any data at all. We will use reasonable efforts to detect and address upstream data disruptions but make no service-level commitments regarding data freshness or completeness.

12.4 AS IS / AS AVAILABLE.

The Service, the EV calculations, rankings, CS Trigger figures, alerts, and all other content and output are provided "AS IS" and "AS AVAILABLE," with all faults, and without warranty of any kind. To the fullest extent permitted by applicable law, Triple Lloyd, on behalf of itself and its licensors and service providers, disclaims all warranties, whether express, implied, statutory, or otherwise. This includes the implied warranties of MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, and NON-INFRINGEMENT, and any warranties arising from how the parties have dealt with each other before, how either has performed, or industry custom.

Triple Lloyd does not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components, or that EV estimates, rankings, or any other output will be accurate, complete, reliable, current, or suited to your purposes.

12.5 Beta Features.

Features designated as "beta," "preview," "experimental," or "early access" are provided "as is," may be modified or discontinued at any time, may contain bugs or errors, and are excluded from any service commitments. You use such features at your own risk.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions, the foregoing exclusions apply to the maximum extent permitted by law.

13. Limitation of Liability

In plain English: The most we will ever owe you is the greater of (a) what you paid us in the last 12 months, or (b) $100.

13.1 No Indirect Damages.

To the fullest extent permitted by applicable law, in no event will Triple Lloyd or its officers, members, managers, employees, agents, licensors, or service providers be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages; for lost profits, lost revenue, lost data, lost goodwill, business interruption, or the cost of substitute services; or for any losses arising from pack-opening outcomes or purchases you make at Arena Club or elsewhere — even if Triple Lloyd has been advised of the possibility of such damages and even if a fix we offered did not actually solve the problem.

13.2 Liability Cap.

To the fullest extent permitted by applicable law, Triple Lloyd's aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amounts you paid to Triple Lloyd for the Service in the twelve (12) months preceding the event giving rise to liability or (b) one hundred U.S. dollars (US $100).

13.3 Carve-Outs.

The foregoing limitations and exclusions do not apply to: (i) a party's liability for gross negligence, fraud, or willful misconduct, to the extent such liability cannot be limited under applicable law; (ii) your indemnification obligations under Section 14; (iii) your willful infringement of Triple Lloyd's intellectual-property rights; or (iv) any liability that cannot be limited or excluded under applicable law, including statutory damages under non-waivable consumer-protection statutes that may apply to you.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law. You acknowledge that the limitations in this Section are an essential basis of the bargain between you and Triple Lloyd, and that without them Triple Lloyd would not provide the Service on the economic terms offered.

14. Indemnification

You agree to defend, indemnify, and hold harmless Triple Lloyd and its officers, members, managers, employees, agents, licensors, and service providers from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to:

your access to or use of the Service;
your User Content;
your violation of these Terms;
your violation of any law or regulation, or the rights of any third party (including intellectual-property, privacy, or publicity rights); or
any purchase, sale, or pack-opening transaction you conduct with any third party, including Arena Club.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In that event, you agree to cooperate with our defense. You may not settle any matter without our prior written consent if the settlement imposes any obligation or admission on us.

15. DMCA and Copyright

Triple Lloyd respects the intellectual-property rights of others. The Service does not host user-uploaded media, and user-submitted content (such as feedback) is kept private rather than published to other users. If you nevertheless believe that material on or from the Service infringes your copyright, you may report it to us by email at hello@shouldirip.com with the subject line "Copyright." We will review good-faith reports promptly and remove or disable access to any allegedly infringing material within our control.

Because the Service does not publish user-uploaded content, we do not currently maintain a registered DMCA designated agent with the U.S. Copyright Office. If the Service later hosts publicly visible user content, we will register a designated agent under the Digital Millennium Copyright Act (17 U.S.C. § 512) and update this Section accordingly.

What to include. To help us evaluate and act on your report, please include: (i) a physical or electronic signature of the owner (or a person authorized to act on the owner's behalf) of the allegedly infringed right; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it (including a URL where available); (iv) your contact information (name, address, telephone, email); (v) 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 (vi) a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the owner or are authorized to act on behalf of the owner.

Removed in error? If you believe content associated with your account was removed or disabled in error, contact us at hello@shouldirip.com and we will review the matter.

Repeat-infringer policy. In appropriate circumstances and at our discretion, we will terminate the accounts of users who are determined to be repeat infringers.

16. Termination

By you. You may stop using the Service at any time. You may cancel a paid subscription as described in Section 4.6. You may request deletion of your account by emailing hello@shouldirip.com.

By us. We may suspend, restrict, or terminate your access to the Service, in whole or in part, at any time, with or without notice, including for any actual or suspected violation of these Terms, non-payment, fraud, abuse, security risk, legal exposure, or if we discontinue the Service or any portion of it. If we terminate your paid subscription without cause and without any violation by you, we will refund a pro-rata share of any prepaid, unused subscription fees.

Effect of termination on your data. Upon termination by either party, your right to access and use the Service ceases. Your account data will be deleted or anonymized within ninety (90) days after termination, except (a) for information we are required to retain by law (such as billing records retained for tax purposes), and (b) for backup copies, which will be deleted in the ordinary course of our backup-rotation cycle. More specifically:

Your favorited pack IDs, alert mode, and email preferences are deleted promptly;
Feedback submissions you have made are anonymized (your identifier replaced with a random ID) within thirty (30) days and may be retained for product analysis as permitted by the Privacy Policy;
Any de-identified or aggregated data derived from your User Content may be retained indefinitely as permitted by Section 8; and
The license you granted in Section 8 to identifiable User Content terminates upon deletion but does not retroactively affect copies of de-identified data we have already used.

Termination does not relieve you of amounts owed for the period prior to termination. You may request earlier deletion as described in the Privacy Policy.

Survival. The following Sections (and any other provisions that by their nature should survive) survive termination: 1 (Eligibility representations), 2 (description of what the Service is and is not), 8 (User Content and License Grant), 9 (Intellectual Property), 10 (Independence and Outbound Links), 11 (Third-Party Services), 12 (Disclaimers), 13 (Limitation of Liability), 14 (Indemnification), 15 (DMCA), 17 (Dispute Resolution), 18 (Changes to These Terms), 20 (Miscellaneous), 21 (Contact), and any payment obligations.

17. Dispute Resolution; Arbitration; Class-Action Waiver; Governing Law

Important: Please read this Section carefully. It requires you and Triple Lloyd to resolve disputes by binding individual arbitration and limits how you can seek relief from us.

Disputes are resolved by individual arbitration, not in court.
No class actions, mass actions, or jury trials.
You can opt out within 30 days of first accepting these Terms — see Section 17.5.
Small-claims court and intellectual-property injunctions are carved out — see Section 17.4.

17.1 Informal Resolution.

Before commencing any arbitration or other proceeding, you and Triple Lloyd agree to attempt in good faith to resolve any dispute informally for at least thirty (30) days. To begin, send a written notice describing the dispute, the relief requested, and your contact information to hello@shouldirip.com (and, if you elect, by mail to the Notices address in Section 20). Triple Lloyd will send a corresponding notice to the email address on file for you. The parties will negotiate in good faith during the thirty-day period. The statute of limitations and any filing-fee deadlines are paused during the informal-resolution period.

17.2 Binding Individual Arbitration.

If the dispute is not resolved through informal resolution, you and Triple Lloyd agree that any dispute, claim, or controversy arising out of or relating to the Service or these Terms — including their formation, interpretation, breach, or termination — will be resolved exclusively by final and binding individual arbitration, except as carved out below. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this Section.

Arbitration will be administered by JAMS under its Consumer Arbitration Minimum Standards and applicable JAMS rules in effect when the demand is filed. The arbitration will be conducted by a single neutral arbitrator. The arbitration will take place in the U.S. county where you reside, unless you and Triple Lloyd agree otherwise; in no event will you be required to travel for an in-person hearing. At your election, hearings may be conducted by telephone or video conference. The arbitrator may award any relief that a court could award, limited to the individual claimant and consistent with these Terms (including the Limitation of Liability).

Fees. Consistent with the JAMS Consumer Arbitration Minimum Standards, you are responsible only for the equivalent of a court filing fee that you would have paid to commence a comparable action in court (or that amount as set or waived by JAMS). Triple Lloyd will pay all other JAMS filing, administrative, and arbitrator fees. Triple Lloyd will not seek attorneys' fees or costs from you unless the arbitrator finds your claim frivolous under a standard comparable to Federal Rule of Civil Procedure 11.

17.3 Class-Action Waiver.

You and Triple Lloyd agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, mass, private-attorney-general, or representative proceeding. The arbitrator may not consolidate or join the claims of more than one person and may not preside over any form of representative or class proceeding. You and Triple Lloyd each waive the right to a jury trial.

If this class-action waiver is found unenforceable as to any claim, that specific claim must be brought in court and the remainder of this Section will remain in effect.

17.4 Carve-Outs.

The agreement to arbitrate does not apply to:

claims that qualify for and are brought in small-claims court, so long as the action remains in that court and proceeds on an individual basis;
actions seeking injunctive or other equitable relief to stop unauthorized use of or infringement upon intellectual-property rights; or
any other claim that, under applicable law, cannot lawfully be required to be arbitrated.

17.5 30-Day Opt-Out.

You have the right to opt out of the agreement to arbitrate and the class-action waiver in this Section 17 by sending a written opt-out notice to Triple Lloyd within thirty (30) days after the date you first accept these Terms. For users who accepted earlier versions of these Terms, the opt-out period is thirty (30) days after the effective date of these Terms if the dispute-resolution provisions are materially changed.

The opt-out notice must include your full name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. The primary channel is email:

Send to: hello@shouldirip.com
Subject line: Arbitration Opt-Out

We will acknowledge receipt by email within five (5) business days. You may also send the opt-out by U.S. mail to:

Triple Lloyd, LLC
Attn: Arbitration Opt-Out
821 N St Ste 102
Anchorage, AK 99501

If you opt out, this Section 17 will not apply to you, but the remainder of these Terms — including Governing Law and Venue — will continue to apply. Opting out has no effect on any other agreement you may have with Triple Lloyd.

17.6 Governing Law.

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Alaska, exclusive of its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

17.7 Venue for Non-Arbitrable Matters.

For any dispute not subject to arbitration (including matters within the carve-outs above and matters following a valid opt-out), you and Triple Lloyd consent to the exclusive jurisdiction and venue of the state and federal courts located in Anchorage, Alaska, and waive any objection based on inconvenient forum.

17.8 Severability of Dispute-Resolution Provisions.

If any portion of this Section 17 (other than the Class-Action Waiver) is found unenforceable, that portion will be severed and the remainder will remain in full force. If the Class-Action Waiver is found unenforceable as a whole, then this entire Section 17 will be null and void as to the affected claim and the claim will proceed in the courts identified in Section 17.7.

17.9 Mass Arbitration.

If twenty-five (25) or more demands for arbitration involving substantially similar claims are filed against Triple Lloyd within a ninety (90) day period and are represented by the same or coordinated counsel, the parties agree the claims will be processed in coordinated batches of up to fifty (50) claims at a time, with bellwether selections, to manage costs and time efficiently. The statute of limitations is paused for all batched claims during this process.

18. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent revision. For material changes, we will provide reasonable advance notice — generally at least thirty (30) days — by email to the address on file or by in-app notice, before the change takes effect, except where a shorter period is required by law, regulation, or to address a security or legal-compliance issue, in which case we will provide as much advance notice as is reasonably practicable. For non-material changes, the updated Terms take effect upon posting. Your continued access to or use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and cancel any paid subscription before the effective date.

If a change to the dispute-resolution provisions in Section 17 is materially adverse to you, you may exercise the opt-out described in Section 17.5 within thirty (30) days after the effective date of the change.

19. Accessibility

Triple Lloyd is committed to making the Service accessible to users with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you encounter an accessibility barrier or need an accommodation to use the Service, contact us at hello@shouldirip.com with the subject line "Accessibility." We will respond within a reasonable time and work with you to provide the information or feature in an accessible format.

20. Miscellaneous

Entire Agreement. These Terms, together with the Privacy Policy, any plan-specific terms or order confirmations presented at checkout, and any policies referenced herein, constitute the entire agreement between you and Triple Lloyd regarding the Service and supersede all prior or contemporaneous agreements, understandings, and communications on that subject.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

No Waiver. Our failure to enforce any right or provision is not a waiver of that right or provision. Any waiver must be in writing and signed by Triple Lloyd.

Assignment. You may not assign, delegate, or transfer these Terms or any rights or obligations under them, by operation of law or otherwise, without our prior written consent. Any attempted transfer in violation of this section is void. We may freely assign these Terms, in whole or in part, to an affiliate or to a successor in connection with a merger, acquisition, reorganization, financing, or sale of assets. A successor will be bound by Founding Member locked-in pricing as set out in Section 5.

Notices. Notices to you may be provided by email to the address on file for your account or by posting in the Service, and will be deemed given when sent or posted. Notices to Triple Lloyd must be sent by email to hello@shouldirip.com or by U.S. mail to:

Triple Lloyd, LLC
Attn: Legal
821 N St Ste 102
Anchorage, AK 99501

Force Majeure. Neither party will be liable for any delay or failure to perform (other than payment obligations) resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, supply-chain failures, internet or utility outages, cloud-provider failures, cyberattacks, pandemics, epidemics, public-health orders, governmental actions, or disruption of upstream third-party data sources on which the Service depends.

Electronic Communications Consent. You consent to receive notices, agreements, disclosures, and other communications from us electronically — by email, in-app notice, or posting on the Site — and you agree that such electronic communications satisfy any legal requirement that communications be in writing. You may withdraw this consent only by closing your account; doing so will end your ability to use the Service.

Export and Sanctions. You agree to comply with all applicable U.S. and international export-control, sanctions, and anti-corruption laws and represent that you are not located in, or a national of, any country or region subject to comprehensive U.S. sanctions, and that you are not on any U.S. government list of prohibited or restricted parties.

Relationship of the Parties. Nothing in these Terms creates any agency, partnership, joint venture, franchise, employment, or fiduciary relationship between you and Triple Lloyd. Neither party has authority to bind the other.

Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

Third-Party Beneficiaries. Except as expressly stated, these Terms do not create any third-party beneficiary rights.

21. Contact

Questions about these Terms or the Service should be directed to:

Triple Lloyd, LLC
Email: hello@shouldirip.com
Website: https://shouldirip.com
Mailing address: 821 N St Ste 102, Anchorage, AK 99501