This Privacy Policy explains how Cozmor ("we", "us", "our") collects, uses and protects personal data when you use our trading-card marketplace and community at this website (the "Service"). It is written for UK users and complies with the UK General Data Protection Regulation ("UK GDPR") and the Data Protection Act 2018.

By creating an account you confirm that you are 18 or over and that you have read this Policy.

1. Who we are (Data Controller)

Cozmor is operated as a sole trader in the United Kingdom by the account holder of support@cozmor.com, who is the data controller for the personal data described below. Privacy questions can be sent to support@cozmor.com.

2. Personal data we collect

When you create an account and use Cozmor we collect:

• Account details: email address, username and a one-way hash of your password. We never store your raw password.
• Verification: confirmation that you are 18 or over.
• Profile content: anything you add to your profile, including bio, pronouns, location (free text), favourite game and profile photo.
• Preferences: the trading-card games you collect and the goals you choose (trade, sell, buy, collect). We use these to personalise Browse.
• Listings and posts: cards you upload (images, prices in GBP, descriptions and condition).
• Messages and trades: content of messages you send to other users and the contents of trade proposals you send or receive.
• Reviews: ratings and reviews you write about other users.
• Technical data: basic information your browser sends, such as approximate IP address, browser type and timestamps of activity. Used for security and abuse prevention.

3. Where your data is stored

Cozmor stores account, listing and trade data in the UK or European Economic Area with reputable cloud providers. We apply industry-standard safeguards, including encryption in transit and at rest.

4. Lawful bases for processing

Under Article 6 of the UK GDPR we rely on the following lawful bases:

• Contract (Art. 6(1)(b)), to provide the Service you have signed up to, including authentication, displaying your listings and delivering your messages.
• Legitimate interests (Art. 6(1)(f)), to keep Cozmor secure, prevent fraud and abuse, improve the Service and personalise recommendations. We have balanced these interests against your rights.
• Consent (Art. 6(1)(a)), for optional marketing emails or features that require additional consent. You can withdraw consent at any time.
• Legal obligation (Art. 6(1)(c)), where we are required by law to retain or disclose information.

5. How we use your information

• To operate the marketplace, show your listings, deliver your messages, process trade proposals and authenticate you.
• To personalise the experience, prioritise the trading-card games you have selected and feature listings that match your interests.
• To protect users, detect abuse, fraud, prohibited items and policy violations.
• To improve the Service, measure which features are used and diagnose bugs.
• To contact you, for service notifications, security alerts and (with your consent) optional updates.

6. Sharing your information

We do not sell your personal data. We share it only:

• With other users: your username, profile, listings, public posts, ratings and reviews are visible to other Cozmor users.
• With service providers (processors): third parties that host our infrastructure, send transactional emails or help us prevent abuse. They are bound by written contracts and may only use the data to provide services to us.
• For legal reasons: when required by law, court order, valid legal process, or to protect the rights, safety and property of Cozmor, our users or the public.
• In a corporate transaction: if Cozmor is acquired or merged, your data may be transferred to the successor entity, subject to this Policy.

7. Automated fraud checks (AI)

When a seller uploads an in-hand proof photo for a sale listing at or above the threshold, we may send the photo and the basic listing details (card name, seller username, current date) to a third-party vision-AI provider (currently Google Gemini) for an automated fraud check. The AI returns a verdict (pass, fail or unsure) which we store with the listing.

• Lawful basis: legitimate interests (fraud prevention) under UK GDPR Article 6(1)(f). A balancing test is kept on file.
• No automated decisions with legal effect: the AI verdict is a signal for buyers and reviewers, not an automatic block. Sellers can dispute or re-upload a photo at any time.
• Provider: Google Ireland Ltd / Google LLC, governed by Google's own data-processing terms. Photos may be processed in Google data centres outside the UK; international transfers rely on the safeguards described in Section 8.
• Opt out: operators of Cozmor can disable AI fraud checks platform-wide. Where checks are required for a particular listing tier, sellers can choose to list below that tier instead.

8. International transfers

If any of our service providers process your data outside the UK, we ensure an adequate level of protection by relying on UK adequacy regulations, the UK International Data Transfer Agreement (IDTA), or the EU Standard Contractual Clauses with the UK addendum, as appropriate.

9. Adults-only service

Cozmor is intended for adults aged 18 and over. We do not knowingly collect personal data from anyone under 18. If we become aware that we have collected personal data from a child, we will delete it without undue delay. If you believe a child has registered, please contact us at support@cozmor.com.

10. Cookies and similar technology

We use a small number of cookies and similar storage (including localStorage) to:

• Keep you signed in.
• Remember your preferences (theme, last screen, onboarding completion).
• Prevent abuse and bots.

These are "strictly necessary" cookies under the Privacy and Electronic Communications Regulations (PECR) and do not require prior consent. We do not currently use third-party advertising or cross-site tracking cookies. If we add any non-essential cookies (e.g. analytics), we ask for your consent first via our cookie banner, you can manage your choice any time from Cookie settings.

11. Your rights under UK GDPR

You have the right to:

• Access the personal data we hold about you (Article 15).
• Have inaccurate data corrected (Article 16).
• Have your data erased ("right to be forgotten") (Article 17).
• Restrict our processing of your data (Article 18).
• Receive your data in a portable format (Article 20).
• Object to processing based on legitimate interests (Article 21).
• Withdraw consent at any time, where processing is based on consent.
• Not be subject to solely automated decisions with legal effects (Article 22). Cozmor does not currently make such decisions.

To exercise any of these rights, email support@cozmor.com from the address on your account. We will respond within one month, and may extend by two further months for complex requests. We may need to verify your identity before acting on a request.

12. Complaints, the ICO

If you are unhappy with how we have handled your data, please contact us first so we can try to resolve the issue. You also have the right to lodge a complaint with the UK regulator, the Information Commissioner's Office (ICO):

• Website: ico.org.uk/make-a-complaint
• Helpline: 0303 123 1113

13. Data retention

We keep your account data for as long as your account is active. When you delete your account we remove your profile, listings and posts from our active services within 30 days. Some data may be retained for a limited period to comply with legal obligations (for example, fraud prevention, tax records, or to defend legal claims).

14. Security

We use appropriate technical and organisational measures to protect your data, including password hashing, encrypted transport (HTTPS) and access controls. No system is perfectly secure, however, and we cannot guarantee absolute security.

15. Changes to this Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the Service or by email at least 14 days before they take effect. Continued use of Cozmor after a change indicates acceptance of the updated Policy.

16. Contact

Data-protection questions, requests and complaints can be sent to support@cozmor.com.

These Terms & Conditions ("Terms") govern your use of Cozmor (the "Service"), a UK-based community marketplace where adult collectors trade, sell and buy trading cards. By creating an account or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use Cozmor.

Nothing in these Terms affects your statutory rights as a consumer under the Consumer Rights Act 2015 or any other UK law.

1. Who we are

Cozmor is operated as a sole trader in the United Kingdom by the account holder of support@cozmor.com ("Cozmor", "we", "us"). You can reach us at support@cozmor.com.

2. Eligibility, adults only

• Cozmor is strictly for users aged 18 or over. There is no age tier below 18.
• By creating an account you confirm that you are at least 18 years old, that you have legal capacity to enter into a contract under the law of England and Wales (or your country of residence), and that your use of the Service is not prohibited there.
• We may ask you to re-confirm your age at any time. If we have reasonable grounds to believe a user is under 18, we will close the account and delete the associated data.

3. Your account

You are responsible for the activity that happens under your account. You agree to:

• Provide accurate, current and complete information when signing up.
• Keep your password confidential and not share your account with anyone else.
• Notify us promptly at support@cozmor.com if you suspect unauthorised use of your account.

We may suspend or close accounts that contain false information, are used by someone other than the registered account holder, or are used to evade a previous ban.

4. User content

"User Content" means anything you submit through the Service, including listings, photos, descriptions, posts, messages, ratings and reviews. You keep ownership of your User Content. By submitting it you grant Cozmor a worldwide, non-exclusive, royalty-free, sub-licensable licence to host, display, reproduce and distribute it for the purpose of operating and improving the Service. This licence ends when you delete the User Content, except for backup copies kept for a limited time.

You confirm that you have the rights to submit your User Content and that it does not infringe anyone else's rights, including intellectual property, privacy and publicity.

5. Acceptable use

You agree not to use Cozmor to:

• List or trade counterfeit, stolen, illegal or restricted items.
• Misrepresent the condition, authenticity or grading of a card.
• Harass, threaten, dox or impersonate another user.
• Post sexual content, hate speech or content prohibited under the Online Safety Act 2023.
• Spam, scam or attempt to defraud other users (including chargeback fraud).
• Circumvent the Service's safety features, including the 18+ check.
• Use bots, scrapers or automated tools to access the Service without our written permission.
• Attempt to break the Service's security, probe its infrastructure or reverse engineer non-public functionality, except as permitted by law.
• Violate any law or regulation that applies to you.

Cozmor may remove content, suspend features or terminate accounts that violate these rules.

6. Trades, sales and purchases

• Cozmor is an online venue that helps collectors connect. We are not a party to the transactions between users and we do not own or take possession of any cards listed.
• All prices on the Service are displayed in pounds sterling (GBP, £). Sellers are responsible for setting their own prices.
• Sellers are responsible for the truthfulness of their own listings, including the card's identity, condition, grading and ownership, and for compliance with the Consumer Rights Act 2015 where it applies to the sale.
• Buyers and sellers are responsible for agreeing payment method, shipping, returns, taxes (including VAT where applicable) and any other terms of the transaction between themselves.
• Where Cozmor facilitates payment (e.g. via Stripe), additional terms, including consumer-protection rights such as the 14-day right of withdrawal under the Consumer Contracts Regulations 2013, where applicable, will be made clear at checkout.
• If a transaction goes wrong, the parties involved should attempt to resolve it directly first. Persistent or fraudulent issues can be reported to support@cozmor.com, but we do not guarantee resolution.

7. Reviews and ratings

You may rate and review other users you have traded with. Reviews must be honest, must reflect a real transaction or interaction, and must not contain personal attacks, false claims or content prohibited by Section 5. Cozmor may remove reviews that breach these Terms or the Digital Markets, Competition and Consumers Act 2024.

8. Intellectual property

All Cozmor branding, logos, UI, source code and original content are the property of Cozmor or its licensors and are protected by copyright, trademark and other laws. You may not copy, modify or distribute them without our written permission.

Trading card characters, artwork and logos depicted in user-submitted photos remain the property of their respective rights holders (for example, The Pokémon Company, Wizards of the Coast, Konami, Disney and others). Cozmor is not affiliated with or endorsed by any of these companies.

9. Reporting copyright concerns

If you believe content on Cozmor infringes your copyright, please send a notice to support@cozmor.com with: (a) your contact information, (b) a description of the work, (c) the URL of the allegedly infringing content, (d) a statement that you have a good-faith belief that the use is unauthorised, (e) a statement that the information in your notice is accurate and that you are authorised to act and (f) your signature (electronic or physical).

10. Termination

You may close your account at any time by emailing support@cozmor.com. We may suspend or terminate your access to the Service if you breach these Terms, if your use creates risk for Cozmor or other users, or if we are required to do so by law. Sections that by their nature should survive termination (including ownership, indemnity, disclaimers and limitation of liability) will survive.

11. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available". Cozmor disclaims all warranties, express or implied, including warranties of satisfactory quality, fitness for a particular purpose, accuracy and non-infringement, save to the extent that such warranties cannot be excluded under the Consumer Rights Act 2015. We do not warrant that the Service will be uninterrupted, secure, error-free, or that listings on the Service are accurate or authentic.

12. Limitation of liability

Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot lawfully be excluded or limited under English law.

Subject to that, to the maximum extent permitted by law Cozmor is not liable for any indirect, incidental, special, consequential or punitive losses, or for lost profits, revenue, data or goodwill, arising out of or in connection with your use of the Service. Our total aggregate liability to you for any claim arising from the Service is limited to the greater of (a) the amount you paid Cozmor in the 12 months before the claim, or (b) one hundred pounds (£100).

13. Indemnity

You agree to defend, indemnify and hold harmless Cozmor and its operators from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your access to or use of the Service, (b) your User Content, (c) any trade or sale you enter into with another user, or (d) your breach of these Terms.

14. Changes to the Service or Terms

We may change features of the Service at any time. We may also update these Terms, material changes will be communicated through the Service or by email at least 14 days before they take effect. Continued use of Cozmor after changes take effect means you accept the updated Terms.

15. Governing law and disputes

These Terms are governed by the laws of England and Wales. Disputes arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales, unless mandatory UK consumer law gives you the right to bring proceedings in another part of the United Kingdom.

16. Online dispute resolution

If you are a consumer based in the UK, you can also use the Citizens Advice consumer service for help with disputes (citizensadvice.org.uk).

17. Miscellaneous

• If any part of these Terms is held to be unenforceable, the rest will remain in effect.
• Our failure to enforce a provision is not a waiver of our right to do so later.
• You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets.
• A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of them.
• These Terms, together with the Privacy Policy, are the complete agreement between you and Cozmor about your use of the Service.

18. Contact

Questions about these Terms can be sent to support@cozmor.com.

This policy explains your rights as a buyer or trader on Cozmor, what protection we offer when something goes wrong, and how to raise a claim. It applies alongside our Terms & Conditions and Privacy Policy.

Nothing in this policy affects your statutory consumer rights under UK law. If a seller on Cozmor is acting in the course of a business, you may have additional rights under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

1. Cozmor's role

Cozmor is a peer-to-peer marketplace where private collectors trade and sell cards to each other. We are not a party to the contract between the buyer and the seller. We do, however, hold any cash component of a trade in escrow until both parties confirm delivery, and we apply the protections set out below to every trade that goes through the platform.

2. Your rights at a glance

• Item as described: the card you receive must match the photos, condition, grade and description on the listing.
• Item arrived: if your package goes missing or is lost in the post, you can open a claim and get a refund of any cash you paid through Cozmor.
• Authentic: counterfeit or stolen cards are prohibited. If you receive one, you're entitled to a full refund and the seller faces removal from the platform.
• Reasonable time to inspect: you have 72 hours from delivery to open a claim if something is wrong.
• Statutory rights: nothing here removes the rights you may have under the Consumer Rights Act 2015 or other UK consumer law.

3. Cozmor Buyer Protection

Cozmor Buyer Protection applies automatically to every cash purchase and to the cash component of any trade that goes through us. It covers you for:

• The card never arriving.
• The card arriving damaged in a way the listing did not warn about.
• The card not matching its listing (wrong name, wrong set, wrong number, mis-graded, undisclosed condition issues, alterations, signatures, trimming).
• Counterfeit cards.

Buyer Protection releases cash held in escrow back to your original payment card. It does not cover changes of mind (see Section 7) or items damaged in transit when you chose an untracked postage option (see Section 6).

4. Trader Protection (for the other side of a trade)

If you sent a card in a trade and the other party does not send theirs, you can open a claim and Cozmor will:

• Hold any cash top-up until the dispute is resolved.
• Refund your postage if you bought a label through Cozmor and have proof the other party did not post.
• Mark the non-shipping party's account for review and, where appropriate, restrict or remove their access.

5. Time limits

• Open a claim: within 72 hours of the card being marked as delivered (or, if not delivered, within 14 days of expected delivery).
• Our first response: within 2 business days.
• Final decision: usually within 7 business days, occasionally longer for complex authentication disputes.
• Refund credit: approved refunds are returned to your original payment card within 1–3 business days of the decision.

6. Postage and lost items

Postage choice affects what we can cover.

• Tracked services (Royal Mail Tracked 24/48, Special Delivery, Signed For, Evri Tracked): if the tracking shows the item never moved or got lost in transit, Cozmor refunds the buyer in full.
• Untracked Large Letter: we'll still investigate, but if there is no tracking we cannot always confirm whether the item was posted. Refunds for lost untracked items are issued at Cozmor's reasonable discretion based on the seller's history and supporting evidence.
• Local hand-off is not permitted on Cozmor. Every trade has to ship via a postal carrier so there is always a paper trail.

7. Right to cancel and returns

Where a seller is a private individual (which is most of Cozmor), you do not have a statutory right to cancel under the Consumer Contracts Regulations 2013 once the trade is in progress.

Where a seller is acting in the course of a business (frequent sales, business name, advertised as a shop), you have a 14-day right to cancel from receipt of the card under those Regulations. Sellers acting as a business will be marked as such on their profile.

Even where there is no statutory right to cancel, Cozmor Buyer Protection still applies (Section 3): if the card is not as described, you can return it for a refund within 72 hours of delivery.

8. How to open a claim

1. Open the trade or order in your Trades tab.
2. Hit Open a dispute and pick a reason (not received, not as described, counterfeit, damaged).
3. Upload photos of what you received and the packaging. Include the tracking number and any messages from the seller that are relevant.
4. We email both parties and a Cozmor reviewer is assigned within 2 business days.
5. Each side has 3 days to respond with evidence. We then make a decision and release funds accordingly.

9. What we look at

When we decide a dispute we consider:

• The listing as it stood at the time of purchase (we keep an immutable copy).
• Tracking and delivery scans from the carrier.
• Photos uploaded by both sides.
• The messages thread between buyer and seller.
• Each party's prior trade history and review record.
• Where authentication is in dispute, expert opinion from a third-party grader (PSA, Beckett, CGC) where available.

Our decision is made in good faith and is final on the platform. It does not prevent you from pursuing any legal remedy you may have under UK law.

10. Counterfeit and prohibited items

Selling counterfeit, altered, stolen or otherwise prohibited cards is grounds for immediate account termination. We work with reputable graders and rights holders (including The Pokémon Company) to identify counterfeits. Where a counterfeit is confirmed, the buyer is fully refunded and the seller may be banned and reported to the relevant authorities.

11. Cash escrow and fees

When a buyer pays for a card, or a trader pays a cash top-up on a trade, those funds are held by Cozmor (via Stripe) until both sides have shipped and the buyer has confirmed receipt (or 72 hours have passed without a complaint, whichever is sooner). Only then are funds released to the seller's connected bank account.

Cozmor charges a single flat 90p service fee per side on every accepted trade, paid by both the sender and the receiver when the trade is accepted. There is no percentage cut on cash top-ups or trades. Where a refund is issued by Cozmor under this policy, the service fee is refunded in full as well.

12. Chargebacks

If you raise a chargeback with your bank for a Cozmor purchase without first opening a dispute through us, your account may be restricted while we investigate. We strongly encourage you to use Cozmor's dispute flow first, which is faster and protects both parties.

13. False or abusive claims

Submitting a knowingly false claim, switching cards before returning them, or attempting to defraud the dispute system is a breach of these terms and may result in account termination, the matter being passed to the police, and recovery of any improperly obtained refund.

14. Disputes outside Cozmor

If we cannot resolve your complaint to your satisfaction, you can take it further:

• Citizens Advice: citizensadvice.org.uk · 0808 223 1133.
• Online dispute resolution: the EU ODR platform may apply for cross-border claims involving UK residents in limited cases.
• Trading Standards / CMA: for complaints about unfair commercial practices.
• Small Claims Court: for sums up to £10,000 where private remedy is required.

15. Sellers acting as traders

Some Cozmor users sell in volume or run their collecting as a small business. UK law treats those users as "traders" and gives buyers additional rights, including the 14-day right to cancel and full Consumer Rights Act remedies. Such sellers will display a "Trader" badge on their profile and are subject to additional checks. If you believe a user is selling as a business without being labelled as such, please email support@cozmor.com.

16. Limitation

Buyer Protection is provided by Cozmor and is limited to the cash value passed through the platform plus any postage you paid us for. It does not extend to consequential losses, lost profits, or items traded outside of Cozmor's listing and dispute systems. Nothing in this section limits liability that cannot be limited under UK consumer law.

17. Updates

We will publish any material changes to this policy in advance and notify affected users by email at least 14 days before they take effect. The "Last updated" date at the top of the page reflects the current version.

18. Contact

Open a dispute through the Trades view in the app, or email support@cozmor.com if you need help. We aim to reply within 1 business day.