2. Accounts, access, and eligibility

You may be able to use TFOVA with or without an account (for example, by submitting a Request as a guest). If you create an account, you agree to:

• Provide accurate and complete information and keep it up to date.
• Maintain the confidentiality of your login credentials and restrict access to authorized persons only.
• Notify us promptly if you suspect unauthorized access or misuse.
• Use the Service only for lawful purposes and in accordance with these Terms.

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service.

3. Submitting Requests and scope of work

When you submit a Request, you must provide clear instructions, relevant context, and required files. We may ask follow-up questions to clarify scope, deadlines, formats, and constraints. A Request becomes an Order only when we confirm acceptance (typically by email or within the dashboard) and, where applicable, after you complete any required prepayment.

We may refuse, pause, or cancel a Request at our discretion, including if:

• The Request is illegal, unsafe, unethical, or violates these Terms.
• The scope is unclear or required information is missing.
• We believe we cannot deliver the requested outcome reliably.
• Payment is not received according to the agreed payment terms.

4. Delivery, review, and acceptance

We will deliver Deliverables through the Service, email, file-sharing links, or other agreed channels. Unless otherwise stated, delivery dates are estimates and may change based on scope changes, dependencies, or delayed input from you.

Review period: Unless an Order states otherwise, you must review Deliverables within 7 days of delivery. If you do not raise issues within that time, Deliverables will be deemed accepted.

Reasonable revisions: If included in your Order, “revisions” apply to aligning the Deliverables with the agreed scope and instructions-not expanding scope. New requirements may require a new quote.

5. Complaints, defects, and dispute handling

If you are dissatisfied, you must contact us with specific details (what is wrong, where, and how it differs from the agreed scope). We will investigate in good faith. Depending on the situation and the Order terms, our remedies may include:

• Clarifications or guidance on how to use the Deliverables.
• Corrections for objective defects (e.g., missing files, incorrect formatting, clear factual errors where we relied on reputable sources).
• Rework limited to the original scope.
• Partial refund or service credit where we determine it is appropriate.

Complaints must be submitted within the review period unless required by applicable law. We may require supporting evidence, screenshots, or documents to assess the issue.

6. Pricing, quotes, and changes

Pricing may be presented as fixed-fee, hourly, subscription-based, per-request, or a combination. Unless stated otherwise, any quote is valid for 14 days. Quotes are based on the information you provide; if scope changes, we may revise the quote.

Scope changes: If you change requirements after an Order is accepted (e.g., new features, new deliverable formats, additional drafts), we may (a) re-quote, (b) request additional time, or (c) decline the change.

Taxes (including VAT, sales tax, withholding tax, and similar) may apply depending on jurisdiction and will be added where required. You are responsible for any taxes not collected by us that are associated with your use of the Service.

7. Payments, billing, and non-payment

Payments may be required upfront, in milestones, or on completion depending on the Order. We may issue invoices electronically. Payment methods may include online payment (e.g., card or other supported processors) and bank transfer.

Bank transfers: You are responsible for ensuring the correct reference details are included and for paying any bank fees. Work may not begin until funds clear, unless we agree otherwise in writing.

Late payments: If payment is overdue, we may (without limiting other rights):

• Suspend access to the Service (including dashboard features, downloads, or delivery links).
• Pause work on active Orders until payment is received.
• Withhold Deliverables not yet delivered.
• Charge reasonable late fees or interest where permitted by law and stated on the invoice or Order.
• Recover reasonable costs associated with collection (where permitted by law).

Chargebacks and payment disputes: If you initiate a chargeback without first contacting us to resolve the issue, we may suspend your account and Requests during the investigation. We may provide evidence to payment processors to contest improper chargebacks.

8. Refunds and cancellations

Refund eligibility depends on the type of service and the Order terms:

• Before work begins: You may request cancellation. We may refund amounts paid minus any non-refundable processing fees (if applicable).
• After work begins: If work has started, refunds may be partial to reflect time spent and costs incurred.
• Completed work: Once Deliverables are delivered and accepted (or deemed accepted), refunds are generally not available except where required by law.

We are not responsible for dissatisfaction based on a change in your preferences after scope acceptance, or for issues caused by incorrect or incomplete Client Content.

9. Client responsibilities

You are responsible for:

• Ensuring you have all necessary rights, permissions, and authority to provide Client Content to us.
• Providing accurate instructions and reviewing Deliverables for suitability before use.
• Complying with all applicable laws, regulations, and contractual obligations relating to your use of the Deliverables.
• Maintaining your own backups of important content and files.

10. Prohibited uses

You must not use the Service to:

• Break any law or encourage unlawful activity.
• Upload malware, attempt unauthorized access, or disrupt systems or networks.
• Infringe intellectual property rights or confidentiality obligations.
• Submit content that is abusive, harassing, or otherwise unlawful.
• Attempt to reverse engineer, scrape, or exploit the Service (except as permitted by law).
• Misrepresent your identity or impersonate others.

11. Data handling and privacy

We take privacy seriously. Our collection and use of personal data is described in our Privacy Policy. Where there is a conflict between these Terms and the Privacy Policy on data matters, the Privacy Policy controls.

Client Content: You retain ownership of your Client Content. You grant us a limited license to host, process, transmit, and use Client Content solely to provide and improve the Service and to deliver Orders.

Data retention: We may retain Client Content and Deliverables for a limited time to provide support, manage Orders, comply with law, and maintain records. Retention periods may vary by plan and workload type. You may request deletion subject to legal and operational constraints.

International transfers: Your data may be processed and stored in countries other than your own (for example, where our hosting, cloud storage, email, or support providers operate). We take reasonable steps to ensure appropriate safeguards are in place.

12. Security

We implement reasonable administrative, technical, and organizational measures designed to protect the Service and data against unauthorized access, loss, misuse, or alteration. However, no system is 100% secure. You understand and accept that you use the Service at your own risk.

You are responsible for protecting your devices, accounts, passwords, and any access links we provide. If you suspect a security incident, notify us promptly.

13. Third-party services

TFOVA may rely on third-party services (e.g., cloud storage, email delivery, analytics, payment processors). We are not responsible for third-party outages or failures beyond our reasonable control. Where possible, we will select reputable providers and apply appropriate safeguards.

14. Intellectual property

The Service (including its software, design, trademarks, and content not provided by you) is owned by or licensed to Paylero and is protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable right to use the Service for your internal business purposes (or personal purposes if not using as an Organization), subject to these Terms.

Deliverables: Unless your Order states otherwise, upon full payment we grant you a license to use the Deliverables for their intended purpose. If Deliverables include third-party materials (e.g., stock assets, templates, libraries), your use is subject to those third-party terms.

15. Confidentiality

We will treat Client Content and non-public Request details as confidential and use them only to provide the Service, except where disclosure is required by law or necessary to enforce these Terms. You are responsible for not submitting confidential or sensitive information unless it is necessary for the Request.

If you require heightened confidentiality terms (e.g., NDA, special handling, restricted access), contact us before submitting the Request so we can confirm feasibility.

16. Service availability and changes

We aim to keep TFOVA available, but the Service may be unavailable from time to time due to maintenance, upgrades, outages, or events outside our control. We may modify, suspend, or discontinue parts of the Service at any time. Where practical, we will provide advance notice of material changes.

17. Suspension and termination

We may suspend or terminate your access to TFOVA (in whole or in part) if we reasonably believe you have violated these Terms, failed to pay amounts due, created risk to us or others, or used the Service unlawfully.

You may stop using the Service at any time. Termination does not affect obligations that should reasonably survive, including payment obligations, confidentiality, IP provisions, and limitation of liability.

18. Disclaimers

The Service and Deliverables are provided on an “as is” and “as available” basis, except where prohibited by law. We do not warrant that Deliverables will be error-free, meet all regulatory requirements, or achieve specific business outcomes. You are responsible for reviewing Deliverables and obtaining professional advice where needed.

19. Limitation of liability

To the maximum extent permitted by law:

• Paylero will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or goodwill.
• Paylero’s total liability arising out of or relating to the Service, any Order, or these Terms will not exceed the total amount paid by you to Paylero for the specific Order giving rise to the claim (or, if the claim does not relate to a specific Order, the amounts paid by you to Paylero in the preceding 3 months).

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

20. Indemnity

You agree to indemnify and hold harmless Paylero, its directors, officers, employees, and contractors from claims, damages, liabilities, and expenses (including reasonable legal fees) arising from: (a) your misuse of the Service, (b) your violation of these Terms, or (c) your Client Content, including infringement of third-party rights.

21. Governing law and disputes

These Terms are governed by the laws of Trinidad and Tobago, without regard to conflict of laws principles, unless applicable law in your jurisdiction requires otherwise. You agree to submit to the exclusive jurisdiction of the courts located in Trinidad and Tobago for disputes arising out of or relating to these Terms or the Service, unless we both agree to an alternative dispute resolution process in writing.

22. Changes to these Terms

We may update these Terms from time to time. The “Effective date” above indicates when the latest version took effect. If we make material changes, we will post the updated Terms on this page and may notify registered users by email or within the Service. Your continued use of TFOVA after changes become effective constitutes acceptance of the updated Terms.

Questions? Please email us at support@tfova.com.

23. Privacy Policy

For details on how we collect, use, and protect personal data, please see our Privacy Policy: here.