Welcome to TavoPay (“TavoPay,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, waitlist, and any future checkout or merchant services we provide (collectively, the “Services”). By accessing or using TavoPay, you agree to these Terms.

To use TavoPay, you must: Be at least 18 years old Have the authority to enter into agreements Use the Services in compliance with all applicable laws If you join the waitlist, you represent that the information you provide is accurate.

You agree not to: Use TavoPay for any unlawful purpose Attempt to interfere with or disrupt our systems Reverse‑engineer or copy our technology Use the Services to process fraudulent or unauthorized transactions We may suspend or terminate access if we believe you are violating these Terms.

If you become a TavoPay merchant, you agree to: Provide accurate business information Comply with payment processor rules Maintain a secure environment for your customers Use TavoPay only for legitimate transactions Additional merchant‑specific terms may apply when onboarding.

TavoPay does not store full credit card numbers or sensitive payment data. All payments are processed by third‑party, PCI‑compliant payment processors. By using TavoPay checkout, you also agree to the terms of those processors.

All content, branding, and technology associated with TavoPay are owned by us or our licensors. You may not copy, modify, or distribute any part of the Services without our permission.

Your use of TavoPay is also governed by our Privacy Policy, which explains how we collect and use your information.

By joining the waitlist or contacting us, you agree to receive emails related to: Product updates Early access invitations Support or account information You may opt out at any time.

TavoPay is provided “as is” and “as available.” We do not guarantee: Uninterrupted service Error‑free operation Compatibility with all platforms or devices We are not liable for losses resulting from: Downtime Third‑party service failures Unauthorized access to your account

To the fullest extent permitted by law, TavoPay is not liable for: Indirect, incidental, or consequential damages Loss of revenue, profits, or data Any damages exceeding the amount you paid us (if any) in the past 12 months Some jurisdictions do not allow certain limitations, so these may not apply to you.

We may update these Terms from time to time. The “Last updated” date reflects the most recent version. Continued use of the Services means you accept the updated Terms.

We may suspend or terminate your access to the Services at any time for any reason, including violation of these Terms. You may stop using the Services at any time.

These Terms are governed by the laws of the State of Florida, without regard to conflict‑of‑law principles.