# User Agreements

- [Terms of Service](/user-agreements/terms-of-service.md): The complete terms and conditions governing your use of the Phygitals platform, including pack purchases, marketplace transactions, vault storage, and digital asset management.
- [Privacy Policy](/user-agreements/privacy-policy.md): How Phygitals collects, uses, shares, and protects your personal information. This policy is designed to comply with GDPR, CCPA, and other applicable data protection regulations.
- [Cookie Policy](/user-agreements/cookie-policy.md): How Phygitals uses cookies, pixels, and similar tracking technologies on our platform, and how you can manage your preferences.
- [Return & Refund Policy](/user-agreements/return-and-refund-policy.md): Phygitals' policy on returns, refunds, and chargebacks for pack purchases, marketplace transactions, and other platform services.
- [Risk Disclosure Statement](/user-agreements/risk-disclosure-statement.md): Important information regarding the risks associated with digital assets, blockchain technology, and the use of the Phygitals platform.
- [Restricted Jurisdictions](/user-agreements/restricted-jurisdictions.md): Phygitals' position on geographic restrictions, regulatory classification of pack openings, user responsibility for local law compliance, and sanctions.
- [DMCA / Copyright Policy](/user-agreements/dmca-copyright-policy.md): Procedure for reporting copyright infringement in accordance with the Digital Millennium Copyright Act (DMCA).
- [Pawn / Lending Terms](/user-agreements/pawn-lending-terms.md): Terms and conditions governing the Phygitals pawn and lending service, including loan amounts, interest rates, redemption, and forfeiture policies.
- [Intellectual Property](/user-agreements/intellectual-property.md): How intellectual property rights are handled on the Phygitals platform, including third-party IP, card imagery, user content, and DMCA procedures.
- [Business Continuity](/user-agreements/business-continuity.md): What happens to your physical cards and digital assets in the event of Phygitals' insolvency, bankruptcy, or cessation of business operations.