Terms of Service

These Terms of Service govern your use of the website located at hoard.fm, together with the Hoard app and any related services (the “Website”). “Hoard,” “we,” “us,” and “our” refer to the operator of the Website.

By creating a Hoard account or otherwise using the app, you agree to these Terms of Service and our Privacy Policy. If you don’t agree, please don’t use Hoard.

You must be at least 13 years old to use Hoard. If you’re under 18, you should only use Hoard with a parent or guardian’s permission. By using Hoard, you’re confirming you meet this requirement.

You sign in to Hoard with Google — there’s no separate Hoard password to manage. You’re responsible for whatever happens under your account, so keep your Google account secure. Let us know at hoardfm@gmail.com if you think someone else has access to your account.

Hoard is a place to:

• Track a personal record collection, and discover new albums pulled from third-party music databases (like iTunes and Last.fm).
• Import an existing collection from a CSV or Discogs export.
• Rate albums, and see the community's average rating.
• Follow other collectors, and like or comment on what they add.
• Share posts — including photos and videos — of your records and finds.
• Buy and sell records, with payments handled through Stripe, and message with other users about a listing or directly.
• Sell records for a flat marketplace fee — or for free when you arrange a local pickup.
• Optionally share a general location (city/region) so nearby collectors are easier to find.

Hoard’s marketplace lets you list records for sale and buy records other people have listed. Payments are processed by our payment provider, Stripe— Hoard never sees or stores your full card number. When you buy a shipped item, you pay through Stripe’s checkout (you can check out as a guest, without a Hoard account) and provide a shipping address. The seller — not Hoard — is the merchant of record for the sale. Your payment goes directly to the seller through their connected Stripe account; Hoard doesn’t hold the funds. When you sell, you connect a Stripe account so you can be paid, which means agreeing to Stripe’s own connected-account terms as part of that setup.

Sellers set each item’s price and a flat shipping amount. For shipped orders, Hoard charges a single flat 7% platform feeon the order total — an “all-in” fee that already includes Stripe’s payment-processing cost — deducted automatically from the seller’s payout when the buyer pays. Online orders have a $20 minimum; smaller items can be sold as a local pickup instead.

Local, in-person sales are different.Some listings are offered for local pickup. Those sales are arranged directly between buyer and seller: Hoard doesn’t process or hold the payment and charges no fee — you pay the seller in person when you meet. Arrange local sales safely: meet in a public place, and don’t pay before you have the item in hand.

Because the seller is the merchant of record, your payment reaches the seller when you check out rather than sitting in a Hoard-held balance. Your protection as a buyer comes from your card: if an order never arrives or isn’t as described, you can dispute the charge with your card issuer, and disputes and chargebacks are handled through Stripe.

Sellers are responsible for describing items accurately, grading their condition honestly, and actually shipping what they sell — promptly, and with a valid tracking number. Hoard doesn’t inspect listings, verify sellers, or guarantee that an item matches its description, so use good judgment.

Refunds, returns, and disputes are between the buyer and the seller. As the merchant of record, the seller is responsible for issuing refunds and for handling card disputes and chargebacks. Hoard may step in to help, but isn’t a party to the sale and isn’t responsible for the item, its condition, or its delivery. Please report anything that looks like a scam to hoardfm@gmail.com.

Selling on Hoard is free to start— there’s no subscription and no listing fee. Hoard earns its money from a single flat platform fee on completed online sales: 7% of the order total, all-in, which already includes Stripe’s payment-processing fee. It’s deducted automatically from the seller’s payout when the buyer pays, so the seller keeps the rest. Local pickup sales have no fee at all.

When you sell online, your payment is paid directly to the Stripe account you connect, on Stripe’s payout schedule. You’re responsible for any taxes that apply to your sales.

We may change the platform fee or the online order minimum. If we do, we’ll update this page — and the current fee is always shown on our Sell page before you list.

Pilot and complimentary access. During this testing period we may grant selected accounts complimentary or pilot access at our discretion. This is a courtesy, not a paid entitlement, and can be changed, paused, or ended at any time, without notice — including when the pilot period ends. No refund is owed if it ends.

You keep ownership of what you post — your collection, posts (including photos and videos), comments, ratings, listing descriptions and photos, and messages. By posting it, you give Hoard permission to store it and display it as the app is designed to — including publicly, to anyone on the web (whether or not they have a Hoard account) and to search engines that index public pages. For example, your listings appear in the public Shop and on their own web pages, and your collection and recent activity can appear on public pages. Direct and listing messages stay private to the people in the conversation.

You’re responsible for what you post. Don’t post anything illegal, counterfeit, infringing, harassing, or that isn’t actually yours to sell.

The Website — including its design, logo, wordmark, text, graphics, and underlying software — is the property of Hoard and is protected by copyright and other intellectual property laws. © 2026 Hoard. All rights reserved.

Using Hoard doesn’t give you any ownership in the Website or its content. You may not copy, modify, distribute, sell, or create derivative works based on the Website without our permission, beyond what’s needed for your own normal use of the app (like viewing pages in your browser). This doesn’t affect your ownership of what you post — see “Content you post” above.

Please don’t:

• Scrape Hoard, or access it with bots or other automated tools (using Hoard's own import feature to add your own collection is fine).
• Impersonate someone else, or misrepresent an item you're selling.
• Harass, threaten, or abuse other users.
• Try to break, probe, or gain unauthorized access to Hoard's systems.

We can suspend or remove accounts that do these things, at our discretion.

Hoard pulls album, artist, and pressing information from services like iTunes, Last.fm, Deezer, MusicBrainz, and Discogs, and (if you share a location) resolves it via OpenStreetMap. Payments and seller payouts run through Stripe. Track links may take you out to Spotify or Apple Music. We don’t control those services and aren’t responsible for their accuracy or availability.

Hoard is in active development. Features may change, break, or disappear without notice, and we may need to reset or wipe test data. The app is provided “as is,” without warranties of any kind, and — to the extent the law allows — we’re not liable for any damages arising from your use of it.

You can stop using Hoard at any time — email hoardfm@gmail.com if you’d like your account and data deleted. We may also suspend or terminate access to Hoard, particularly during this testing period.

We may update these terms as Hoard develops. If we make a material change, we’ll update the date at the top of this page. Continuing to use Hoard after a change means you accept the updated terms.

These terms are governed by the laws of the State of New York.

Questions about these terms? Reach us at hoardfm@gmail.com.