Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Anova Financial Group LLC (“Anova,” “we,” “us,” or “our”), including our Gateway, Portal, and POS products (collectively, the “Services”), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our Services.

2. Description of Services

Anova provides payment processing technology, including:

• Gateway: Payment processing APIs with smart routing, fraud detection, and real-time analytics.
• Portal: Merchant and partner management dashboards for transaction monitoring, onboarding, and reporting.
• POS: Point-of-sale solutions for restaurants, dealerships, retail, and other industries.
• Tokenization: Card-level spend controls and vendor assignment tools for accounts payable.

3. Eligibility

Our Services are available to businesses and individuals who are at least 18 years of age and can form legally binding contracts. By using our Services, you represent that you meet these requirements.

4. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

5. Payment Terms

Fees for our Services are outlined in your merchant agreement or service contract. All fees are non-refundable unless otherwise specified. We reserve the right to modify our fee structure with reasonable advance notice.

6. Prohibited Activities

You agree not to:

• Use the Services for any unlawful purpose or in violation of applicable laws and regulations.
• Process transactions involving illegal goods or services.
• Attempt to gain unauthorized access to our systems or networks.
• Interfere with or disrupt the integrity or performance of the Services.
• Reverse engineer, decompile, or disassemble any aspect of the Services.

7. Intellectual Property

All content, trademarks, and technology associated with the Services are the property of Anova Financial Group LLC or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Services in accordance with these terms.

8. Limitation of Liability

To the maximum extent permitted by law, Anova shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Our total liability shall not exceed the fees paid by you in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Anova Financial Group LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Services or violation of these terms.

10. Termination

We may suspend or terminate your access to the Services at any time for violation of these terms or for any other reason with reasonable notice. Upon termination, your right to use the Services ceases immediately.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be communicated through our website or via email. Continued use of the Services after changes constitutes acceptance of the updated terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us at:

Anova Financial Group LLC
Email: contact@anova.works
Phone: +1 (888) 123-4567