By using the Inspivo website or services, you agree to be bound by these Terms of Service. If you do not agree with any of these terms, please do not use our website or services.
Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and Inspivo, LLC ("Inspivo," "we," "us," or "our"), governing your access to and use of the Inspivo website located at www.inspivo.com, including all subpages, tools, calculators, downloadable resources, and related services (collectively, the "Website" or "Services").
By accessing or using the Website, submitting a quote request, downloading any resource, or creating an account, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must immediately discontinue use of the Website.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Website following any modification constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.
Description of Services
Inspivo provides payment processing consulting, referral, and comparison services to small and medium-sized businesses. Our services include, but are not limited to:
- Payment processing rate analysis and custom quote preparation
- Merchant services referrals to licensed payment processors and acquiring banks
- Point-of-sale (POS) hardware and software recommendations, including Clover POS systems
- Free educational tools, calculators, and downloadable resources related to payment processing
- Cash discount program consulting
- Ongoing merchant support and account management
Inspivo acts as a referral agent and consultant. We are not a payment processor, bank, or financial institution. Actual payment processing services are provided by licensed third-party processors and acquiring banks. Any agreement for payment processing services is solely between you and the applicable processor, and Inspivo is not a party to that agreement.
Account Registration & Responsibilities
Certain features of the Website may require you to register for an account. By registering, you agree to:
- Provide accurate, current, and complete information during the registration process
- Maintain and promptly update your account information to keep it accurate and complete
- Maintain the confidentiality of your login credentials and not share them with any third party
- Accept full responsibility for all activities that occur under your account
- Notify us immediately at support@inspivo.com of any unauthorized use of your account or any other security breach
You are solely responsible for all activity that occurs under your account, whether or not authorized by you. Inspivo will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials.
Accuracy of Information
You agree that all information you submit to Inspivo — including business information, processing volumes, and contact details — is accurate and truthful. Providing false or misleading information may result in inaccurate quotes and potential liability.
Acceptable Use
You agree to use the Website solely for lawful purposes and in accordance with these Terms. You agree not to use the Website:
- For any unlawful purpose or in violation of any applicable federal, state, or local law or regulation
- To transmit any unsolicited or unauthorized advertising, promotional material, spam, or any other form of solicitation
- To impersonate any person or entity or falsely represent your affiliation with any person or entity
- To interfere with or disrupt the integrity or performance of the Website or the data contained therein
- To attempt to gain unauthorized access to the Website, its servers, or any related systems or networks
- To use automated tools (bots, scrapers, crawlers) to access or collect data from the Website without our prior written consent
- To use any information obtained from the Website to compete with or harm the business of Inspivo
- To copy, reproduce, distribute, republish, or exploit any portion of the Website or its content for commercial purposes without our prior written consent
Third-Party Interactions
The Website may contain links to third-party websites or services. These links are provided for your convenience only. Inspivo does not endorse, control, or assume any responsibility for the content, privacy practices, or accuracy of any third-party sites. Any transactions or interactions you have with third parties found through the Website are solely between you and that third party.
Inappropriate Use
If Inspivo becomes aware of any use of the Website that violates these Terms or any applicable law, we reserve the right to take any action we deem appropriate in our sole discretion, including suspending or terminating your access without notice. We will cooperate fully with law enforcement agencies in any investigation of alleged illegal activity.
Website Operation
Availability
We will make every reasonable effort to keep the Website operational and available. However, we do not guarantee uninterrupted, error-free access to the Website. The Website may be temporarily unavailable due to scheduled maintenance, technical difficulties, third-party service outages, or circumstances beyond our reasonable control. We shall not be liable for any consequences of such interruptions or unavailability.
Modifications to the Website
Inspivo reserves the right to modify, suspend, or discontinue any feature or aspect of the Website at any time without notice. We may also update tools, calculators, and informational content periodically. Your continued use of the Website after any such changes constitutes acceptance of the modified Website.
Local Laws and International Use
Inspivo controls and operates this Website from its offices in North Carolina, United States of America. Our services are intended for businesses operating within the United States. If you access the Website from outside the United States, you do so at your own risk and are solely responsible for compliance with all applicable local laws, including export and import regulations.
Privacy
Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your personal information. Please review our Privacy Policy to understand our practices.
Disclaimers & Warranties
THE WEBSITE AND ALL CONTENT, TOOLS, CALCULATORS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INSPIVO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
- IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
- WARRANTIES THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
- WARRANTIES AS TO THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT, TOOLS, OR RATE ESTIMATES PROVIDED ON THE WEBSITE
- WARRANTIES THAT ANY DEFECTS IN THE WEBSITE WILL BE CORRECTED
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INSPIVO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:
- Loss of profits, revenue, or business opportunities
- Loss of data or information
- Business interruption or downtime
- Cost of substitute services
- Any other indirect or consequential loss
THESE LIMITATIONS APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF INSPIVO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL INSPIVO'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO INSPIVO IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by applicable law.
Indemnification
You agree to defend, indemnify, and hold harmless Inspivo and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses arising out of or relating to:
- Your use of or inability to use the Website or Services
- Your violation of these Terms or any applicable law or regulation
- Your violation of any rights of a third party, including intellectual property rights or privacy rights
- Any false, inaccurate, or misleading information you submit to Inspivo
Inspivo reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with our defense of such claims.
Intellectual Property
Ownership of Content
All content on the Website — including but not limited to text, graphics, logos, icons, images, audio clips, calculators, tools, downloadable resources, page layouts, and software — is the exclusive property of Inspivo or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
Limited License
We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Website and its content solely for your personal, non-commercial business evaluation purposes. This license does not include the right to:
- Reproduce, distribute, or publicly display any content from the Website
- Modify or create derivative works based on Website content
- Use any data mining, robots, or similar data gathering tools
- Use the Website or its content for any commercial purpose without our prior written consent
Trademarks
"Inspivo," the Inspivo logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Inspivo, LLC. You may not use these marks without our prior written permission. All other trademarks, product names, and company names or logos referenced on the Website are the property of their respective owners.
Feedback
If you submit feedback, suggestions, or ideas about the Website or our services, you grant Inspivo a non-exclusive, worldwide, royalty-free, irrevocable license to use, reproduce, modify, and incorporate that feedback into our services without any obligation to you.
Force Majeure
Inspivo shall not be liable for any delay or failure to perform its obligations under these Terms to the extent such delay or failure is caused by circumstances beyond Inspivo's reasonable control, including but not limited to acts of God, natural disasters, pandemics, epidemics, war, terrorism, civil unrest, government actions, power outages, internet or telecommunications failures, third-party service provider outages, or cyberattacks.
In the event of a force majeure event, Inspivo will make reasonable efforts to notify affected users and to resume normal operations as promptly as reasonably practicable.
Governing Law & General Provisions
Governing Law
These Terms and any disputes arising out of or related to these Terms or your use of the Website shall be governed by and construed in accordance with the laws of the State of North Carolina and applicable federal law, without regard to its conflict of law provisions.
Jurisdiction and Venue
You agree to submit to the exclusive jurisdiction of the state and federal courts located in Mecklenburg County, North Carolina for the resolution of all disputes arising from or related to these Terms or your use of the Website.
Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible, and all remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or agreements published on the Website, constitute the entire agreement between you and Inspivo with respect to the Website and Services, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
Waiver
No failure or delay by Inspivo in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. No waiver of any provision of these Terms shall be effective unless made in writing and signed by an authorized representative of Inspivo.
Contact
Questions about these Terms? Contact us at support@inspivo.com or visit inspivo.com/ContactUs.
