The Laminated Card – Terms of Service
Effective Date: January 1, 2026
CONTACT US
The Laminated Card (TLCD)
Legal Entity: The Management Factor, Inc.
Address: PO Box 355, Eastlake, C) 80614
Email: info@thelaminatedcard.com
Website: thelaminatedcard.com
1. Teen-Specific Safety & Experience Rules
The Laminated Card includes a Teen Experience designed to promote safety, privacy, and positive interaction.
If you are under 18, additional safeguards apply, including but not limited to:
- Limited public visibility of teen accounts
- Restricted interaction features
- Additional moderation and content controls
- Limits on sharing, comparison, and discoverability
- No direct messaging with unknown adults
- Additional review or approval requirements for certain features
Parents or guardians may have additional rights under applicable law to review or request deletion of teen account data.
We may modify, restrict, or remove features for teen accounts at any time to maintain safety and comply with legal requirements.
In summary: Teen accounts have extra protections. Some features may work differently or be unavailable.
2. Additional Terms and Policies That May Apply
Certain Laminated Card features are subject to additional terms and policies. These materials are incorporated into these Terms by reference and form part of your agreement with us.
Feature-Specific Policies
- Privacy Policy
Explains how we collect, use, store, and share information when you create an account, build a card, interact with others, or use any Laminated Card features. - Community Guidelines & Safety Rules
Apply to all users and govern acceptable behavior, content, and interactions. Violations may result in content removal, feature restrictions, suspension, or account termination. - Card Creation & Sharing Rules
Apply when you:- Build a Laminated Card
- Select celebrities or public figures
- Choose causes or charities
- Add visuals, text, or preferences
- Share or compare cards with others
- Teen Account Rules
Apply to users under 18 and may restrict:- Visibility and discoverability
- Sharing and Comparison Features
- Public-facing content
- Celebrity & Third-Party Content Disclaimer
The Laminated Card may display information, links, or updates related to celebrities, public figures, causes, events, or third-party sources for entertainment and informational purposes only.
We do not guarantee accuracy, timeliness, or endorsement by any celebrity or organization. - Charity & Cause Selection Disclaimer
Selecting a charity or cause on your card:- Reflects personal interests or values
- Does not constitute a donation
- Does not create a partnership or endorsement
- Does not obligate us to donate, unless explicitly stated
- Merchandise, Digital Goods & Subscriptions
Additional terms apply if you purchase:- Laminated Card merchandise
- Digital goods
- Premium features or subscriptions
- AI-Powered Insights & Recommendations
Any AI-based features are provided for entertainment and informational purposes only and may be inaccurate or incomplete. They should not be relied upon for decisions or advice. - Promotions, Challenges & Giveaways
Each promotion may have separate rules disclosed at the time of participation. - Beta & Experimental Features
Some features may be labeled beta or experimental and may change, malfunction, or be discontinued at any time.
If any additional terms conflict with these Terms, the additional terms apply only to the relevant feature, to the extent permitted by law.
3. Charity & Cause Disclaimer (Expanded)
The Laminated Card allows users to display causes or charities they care about.
Unless expressly stated otherwise:
- Selecting a charity or cause is symbolic and informational
- No donation is made by default
- No endorsement, sponsorship, or partnership is created
- The Laminated Card is not responsible for the actions, operations, or representations of any listed charity
Future campaigns may include optional donations, merchandise givebacks, or partnerships, which will be clearly disclosed with separate terms.
In summary: Your card shows what you care about — not a financial transaction.
4. Content Ownership & Responsibility (Condensed)
You own the content you create. By submitting content to the Services, you grant Laminated Card a worldwide, royalty-free license to host, display, modify, and distribute that content solely for operating and improving the Services.
You are responsible for ensuring you have the right to use any content you submit, including images, names, or likenesses of others.
5. Content Moderation & Enforcement
We may review, moderate, restrict, or remove content or accounts at any time if we believe content violates these Terms, our policies, or applicable law.
We are not required to monitor all content and do not guarantee that other users will comply with these Terms.
6. Account Termination
You may stop using the Services or delete your account at any time.
We may suspend or terminate access for violations, inactivity, safety concerns, or legal reasons.
7. Disclaimers
The Services are provided “as is” and “as available.”
We make no warranties regarding availability, accuracy, reliability, or fitness for a particular purpose.
8. Limitation of Liability
To the maximum extent permitted by law, Laminated Card will not be liable for indirect, incidental, consequential, or punitive damages.
9. Arbitration & Class Action Waiver
a. Agreement to Arbitrate
Except for disputes that may be brought in small claims court or that relate to the enforcement of intellectual property rights, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services will be resolved exclusively through final and binding arbitration, rather than in court.
This includes claims based on contract, tort, statute, fraud, misrepresentation, or any other legal theory, whether the claim arose before or after you accepted these Terms.
b. No Class Actions
You and The Laminated Card agree that all disputes must be brought on an individual basis only.
You waive any right to:
- Participate in a class action lawsuit
- Participate in a class-wide arbitration
- Act as a class representative or class member
- Join or consolidate claims with those of any other person
The arbitrator may not consolidate claims or preside over any form of representative or class proceeding.
c. Arbitration Rules & Forum
The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms.
- Arbitration will be conducted by a single neutral arbitrator
- The arbitration may take place by video, phone, written submissions, or in person if required
- Judgment on the arbitrator’s award may be entered in any court with jurisdiction
d. Location & Governing Law
If you reside in the United States, the arbitration will be governed by the Federal Arbitration Act (FAA) and conducted in the county of your residence unless the parties agree otherwise.
e. Costs of Arbitration
Each party is responsible for its own attorneys’ fees unless otherwise required by law.
Filing, administrative, and arbitrator fees will be allocated in accordance with AAA rules and applicable law.
f. Right to Opt Out
You may opt out of this arbitration agreement within 30 days of first accepting these Terms.
To opt out, you must send written notice including:
- Your full name
- Your Laminated Card username (if applicable)
- The email address associated with your account
- A clear statement that you wish to opt out of arbitration
Send your opt-out notice to:
If you opt out of arbitration, the class action waiver still applies to the maximum extent permitted by law.
g. Severability
If any portion of this Arbitration & Class Action Waiver is found unenforceable, that portion will be severed, and the remaining provisions will remain in full force and effect.
If the class action waiver is found unenforceable, then this entire arbitration provision will be null and void.
10. Governing Law
These Terms are governed by the laws of Colorado, United States of America, without regard to conflict-of-law principles.
11. Changes to These Terms
We may update these Terms from time to time. Continued use of the Services after changes become effective means you accept the updated Terms.
12. Safety
We try hard to keep our Services a safe place for all users. But we can’t guarantee it. That’s where you come in. By using the Services, you agree that you will at all times comply with these Terms, including our Community Guidelines and any other policies TLCD makes available in order to maintain the safety of the Services.
If you fail to comply, we reserve the right to remove any offending content; terminate or limit the visibility of your account, and retain data relating to your account in accordance with our data retention policies; and notify third parties — including law enforcement — and provide those third parties with data and any other information relating to your account. This step may be necessary to protect the safety of our users, and others, to investigate, remedy, and enforce potential Terms violations, and to detect and resolve any fraud or security concerns. We also care about your physical safety and wellbeing while using our Services. So do not use our Services in a way that would distract you from obeying traffic or safety laws. For example, never use the Services while driving. And never put yourself or others in harm’s way just to capture a TLCD or to engage with other TLCD features.
In summary: We try to make our Services as safe as possible, but we need your help. These Terms, our Community Guidelines and other TLCD policies contain important information about how to keep the Services and other users safe. And never put yourself or others in harm’s way when using our Services.
13. Your Account
To use certain Services, you need to create an account. You agree to provide us with accurate, complete, and updated information for your account. Except in the unlikely event that activity occurs in your account outside of your control, you are responsible for any activity that occurs in your account. So it’s important that you keep your account secure. One way to help keep your account secure is to select a strong password that you don’t use for any other account and to enable two-factor authentication. If you think that someone has gained access to your account, please immediately reach out to info@thelaminatedcard.com. Any software that we provide to you may automatically download and install upgrades, updates, or other new features. You may be able to adjust these automatic downloads through your device’s settings. You agree not to create any account if we have previously removed or banned you or your account from any of our Services, unless we consent otherwise.
In summary: Keep your account details safe and secure. Only use an account if you are authorized by us to do so.
14. Data Charges and Mobile Phones
You are responsible for any mobile charges that you may incur for using our Services. This includes data charges and charges for messaging, such as SMS, MMS, or other messaging protocols or technologies (collectively, “Messages”). If you’re unsure what those charges may be, you should ask your service provider before using the Services.
By providing us with your mobile phone number you agree, among other things, to receive Messages from TLCD related to the Services, including about promotions (where we have consent or as permitted by law), your account, and your relationship with TLCD. These Messages may be received even if your mobile phone number is registered on any kind of “Do Not Call” list, or international equivalent.
If you change or deactivate the mobile phone number that you used to create an account, you must update your account information through Settings within 72 hours to prevent us from sending messages intended for you to someone else.
In summary: We may send you Messages, and mobile charges may apply when you use our Services.
15. Third-Party Materials and Services
Certain Services may display, include or make available content, data, information, applications, features or materials from third parties (“Third-Party Materials”), provide links to certain third-party websites or permit the use of Third-Party Materials or third-party services in connection with them. If you use any Third-Party Materials or third-party services made available through or in connection with our Services (including Services we jointly offer with the third party), the applicable third-party’s terms will govern their relationship with you. Neither TLCD nor any of our affiliates is responsible or liable for a third party’s terms or actions taken under any third party’s terms. Further, by using the Services, you acknowledge and agree that TLCD is not responsible for examining or evaluating the content, accuracy, completeness, availability, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third-Party Materials or thirdparty services or websites. We do not provide any assurances or endorse and do not assume and will not have any liability or responsibility to you or any other person for any third-party services, Third-Party Materials or third-party websites, or for any other materials, products, or services of third parties. Third-Party Materials, the availability of third-party services and links to other websites are provided solely as a convenience to you.
In summary: TLCD isn’t responsible for third party features, content or services accessible via or in connection with our Services – please make sure you read the third party’s terms.
16. Modifying the Services and These Terms
We’re relentlessly improving our Services and creating new ones all the time. That means we may add or remove features, products, or functionalities over time, and we may also suspend, stop or terminate the Services altogether. We may take any of these actions at any time, and when we do, we will try to notify you beforehand — but this won’t always be possible.
This also means we may need to update these Terms to reflect any changes to our Services or how we provide them, as well as to comply with legal requirements, or for other legal or security reasons. If those changes to these Terms are material we will provide you with reasonable advance notice (unless changes are required sooner, for example, as a result of a change in legal requirements or where we are launching new Services or features). If you continue to use the Services once the changes come into effect, we will take that as your acceptance.
In summary: Our Services are going to evolve over time. We may update these Terms from time to time to reflect these changes or for other reasons.
17. Termination and Suspension
While we hope you remain a lifelong TLCD, you can terminate these Terms at any time if you do not agree with any changes we make to these Terms, or for any other reason, by deleting your TLCD account (or, in some cases, the account associated with the applicable part of the Services you are using).
We may restrict, terminate, or temporarily suspend your access to the Services if you fail to comply with these Terms, our Community Guidelines or the law, for reasons outside of our control, or for any other reason. That means that we may terminate these Terms, stop providing you with all or any part of the Services, or impose new or additional limits on your ability to use our Services. For example, we may deactivate your account due to prolonged inactivity, and we may reclaim your username at any time for any reason. And while we’ll try to give you reasonable notice beforehand, we can’t guarantee that notice will be possible in all circumstances.
Where we restrict, terminate or suspend your access to the Services for violation of our Community Guidelines, we will notify you and provide an opportunity for you to appeal as explained in our Moderation, Enforcement and Appeals explainer.
Before we restrict, terminate or suspend your access to the Services, we will take into account all relevant facts and circumstances apparent from the information available to us, depending on the underlying reason for taking that action. For example, if you violate our Community Guidelines we consider the severity, frequency, and impact of the violations as well as the intention behind the violation. This will inform our decision whether to restrict, terminate or suspend your access to the Services and, in the event of suspension, how long we suspend your access.
Regardless of who terminates these Terms, both you and TLCD continue to be bound by Sections 2, 3 (to the extent any additional terms and conditions would, by their terms, survive), and 6 – 24 of the Terms.
In summary: You can stop using the Services or delete your account at any time and for any reason, including if you don’t like any changes to these Terms. We can restrict or terminate your access to the Services for the reasons set out above. When we do, we’ll provide you notice in most cases, as well as an opportunity to appeal the decision. You will not receive a refund of any subscription fees.
18. Indemnity
You agree, to the extent permitted by law, to indemnify, defend, and hold harmless TLCD, our affiliates, directors, officers, stockholders, employees, licensors, and agents from and against any and all complaints, charges, claims, damages, losses, costs, liabilities, and expenses (including attorneys’ fees) due to, arising out of, or relating in any way to: (a) your access to or use of the Services, (b) your content, including infringement claims related to your content, (c) your breach of these Terms or any applicable law or regulation, or (d) your negligence or intentional misconduct.
In summary: If you cause us some damage, you will compensate us.
19. Disclaimers
We will try hard to keep the Services up and running and free of annoyances. But we make no promises that we will succeed.
The Services are provided “as is” and “as available” and to the extent permitted by law and except as stated above, without warranties of any kind, either express or implied, including, in particular implied warranties, conditions, or other terms relating to: (a) merchantability, satisfactory quality, fitness for a particular purpose, title, quiet enjoyment, non-infringement, or (b) arising from a course of dealing. In addition, while we attempt to provide a good user experience, we do not represent or warrant that: (i) the Services will always be entirely secure, error-free or timely, (ii) the Services will always function without delays, disruption or imperfections, or (iii) any content or information you obtain through the Services will always be timely or accurate.
IF THE LAW OF THE COUNTRY WHERE YOU LIVE DOES NOT ALLOW THE EXCLUSIONS PROVIDED FOR IN THIS CLAUSE, THOSE EXCLUSIONS SHALL NOT APPLY TO THE EXTENT PROHIBITED.
To the fullest extent permitted by law, TLCD, TLCD Inc., and our affiliates take no responsibility and assume no liability for any content that you, another user, or a third party creates, uploads, posts, sends, receives, views, or stores on or through our Services and you understand and agree that you may be exposed to content that might be offensive, illegal, misleading, or otherwise inappropriate, none of which TLCD, TLCD Inc., nor our affiliates will be responsible for.
Nothing in these Terms will exclude or limit any responsibility we may have to remove content if so required by the law of the country where you live.
In summary: TLCD will try to make the Services available to you, but we do not make any promises regarding quality and will not be liable for any content which is not ours.
20. Limitation of Liability
TLCD, TLCD Inc., and our affiliates, directors, officers, stockholders, employees, licensors, suppliers, and agents will not be liable for any indirect, incidental, special, consequential, punitive, or multiple damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill or other intangible losses, resulting from: (a) your use of the Services or inability to use the Services, (b) your access to or inability to access the Services, (c) the conduct or content of other users or third parties on or through the Services, or (d) unauthorised access, use or alteration of your content. Except to the extent specified otherwise in any other applicable terms of TLCD, TLCD Inc., or our affiliates, in no event will TLCD, TLCD Inc., or our affiliates’ aggregate liability for all claims relating to the Services exceed the greater of (a) €100 EUR, and (b) the amount you paid TLCD in the last 12 months for any Services.
Nothing in these Terms (or for the avoidance of doubt any other terms to which you are subject in respect of the provision of Services by TLCD TLCD Inc., or our affiliates) shall exclude or limit TLCD’s, TLCD Inc.’s, or our affiliates’ liability for: (a) death or personal injury arising from their own respective intent or negligence, (b) fraud or fraudulent misrepresentation, or (c) any other liability to the extent that such liability may not be excluded or limited as a matter of law.
IF THE LAW OF THE COUNTRY WHERE YOU LIVE DOES NOT ALLOW ANY LIMITATION OF LIABILITY PROVIDED FOR IN THIS CLAUSE, THAT LIMITATION WILL NOT APPLY TO THE EXTENT PROHIBITED.
FURTHER, NOTHING IN THESE TERMS AFFECTS YOUR STATUTORY RIGHTS AS A CONSUMER.
In summary: We limit our liability for anything you do, instances where you cannot access the Services, things others do and any issues resulting from unauthorised use of our Services. Where we are liable to you and you have suffered some loss, we limit our liability to a set amount.
21. Dispute Resolution and Arbitration
If you have a concern, let’s talk. Go ahead and contact us at info@thelaminatedcard.com first and we’ll do our best to resolve the issue. Some of our Services may have additional terms that contain dispute resolution provisions unique to that Service or your residency.
If you are using the Services on behalf of a business (rather than for your personal use), you and TLCD agree that to the extent permitted by law, all claims and disputes between us arising out of or relating to these Terms or the use of the Services will be finally settled through binding arbitration under the LCIA Arbitration Rules, which are incorporated by reference into this clause. There will be one arbitrator (to be appointed by the LCIA), the arbitration will take place in London, and the arbitration will be conducted in English. If you do not wish to agree to this clause, you must not use the Services.
In summary: Get in touch with us if you have a complaint. Disputes with business users will be settled through arbitration.
22. Exclusive Venue
To the extent that these Terms allow you or TLCD to initiate litigation in a court, both you and TLCD agree that all claims and disputes (whether contractual or otherwise), arising out of or relating to the Terms or the use of the Services will be litigated exclusively in the courts of England in the United Kingdom, unless this is prohibited by the laws of the country where you reside. You and TLCD consent to the exclusive jurisdiction of those courts.
23. Choice of Law
The laws of Colorado and the United States of America govern these Terms and any claims and disputes (whether contract, tort, or otherwise) arising out of or relating to these Terms or their subject matter. The courts in some countries may not apply the laws of England and Wales to some disputes related to these Terms. If you reside in one of those countries, the laws of your home country may apply to those disputes.
24. Severability
If any provision of these Terms is found unenforceable, then that provision will be removed from these Terms and not affect the validity and enforceability of any remaining provisions.
25. Final Terms
These Terms, including the additional terms referenced in Section 3, make up the entire agreement between you and TLCD, and supersede any prior agreements. These Terms do not create or confer any rights to third parties. If we do not enforce a provision in these Terms, it will not be considered a waiver of our rights to enforce these Terms. We reserve the right to transfer our rights under these Terms and provide the Services using another entity, provided that entity upholds these Terms. You may not transfer any of your rights or obligations under these Terms without our consent. We reserve all rights not expressly granted to you.
26. Contact Us
TLCD welcomes comments, questions, concerns, or suggestions. You can contact us or get support info@thelaminatedcard.com.