novo SOLUTION - Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the novo SOLUTION iOS app, associated websites, and related services (collectively, the “Services”). By using the Services, you agree to these Terms.

0. Who We Are

For now, novo SOLUTION is developed and operated by **Mohammad Reghabi**, an individual located in **Vancouver, British Columbia, Canada** (“novo SOLUTION”, “we”, “us”).

If you are using the Services on behalf of a business or other entity, you represent that you have authority to bind that entity, and “you” refers to that entity.

1. The Services

novo SOLUTION is a business management platform that may include inventory management, invoicing/estimates, customer and appointment management, point of sale, an online store, website management and syncing, marketing (email and SMS), analytics, optional AI-assisted tools, the Novo Voice assistant, employee access from personal devices, Novo Market, and optional integrations (including social media, payment, accounting, shipping, messaging, and listing providers).

We may modify, add, or remove features over time. Some features may require a paid subscription or configuration. Some features are also subject to platform-level availability controls and may be turned off, limited, or made available only to certain plans or regions.

Additional terms apply to specific features:

  • AI features — Section 4.7
  • Novo Voice — Section 4.8
  • Employee access from personal devices — Section 5.7
  • Marketing communications — Section 5.8
  • Financing and credit applications — Section 5.9
  • Novo Market — Section 18

    • **Who these Terms bind.** If you are a business using the Services, these Terms are between you and us. If you are an employee accessing a business's account, these Terms apply to your use of the Services, and your employment relationship remains with that business. If you hold a Novo Market client account, Section 18 sets out the terms that apply to you.

    2. Accounts, Security, and Access

  • **Account responsibility**: You are responsible for safeguarding credentials and controlling access to your account(s).
  • **Accurate information**: You agree to provide accurate information and keep it updated.
  • **Authorized users**: You are responsible for actions taken by users you authorize under your business account and for assigning appropriate roles/permissions.
  • **Security**: You must not attempt to bypass security controls, probe, scan, or test the vulnerability of the Services, or interfere with other customers’ data.

    • 3. Acceptable Use

    You agree not to use the Services to:

  • Violate applicable law or third-party rights
  • Upload malware, exploit code, or harmful content
  • Engage in fraud, impersonation, or unauthorized access
  • Reverse engineer, decompile, or attempt to discover source code, except to the extent such restriction is prohibited by law
  • Use the Services in a manner that could disable, overburden, or impair the Services or others’ use
  • Upload or store Sensitive Data (defined below) unless we have expressly agreed in writing
  • **Manipulate reviews or ratings**: write, solicit, incentivize, or publish reviews that are fabricated, that misrepresent the reviewer's identity or experience, or that were provided in exchange for undisclosed consideration; or selectively suppress genuine negative reviews in a way that is deceptive to consumers
  • **Send unsolicited messages**: use the email or SMS features to contact anyone from whom you do not hold the consent required by applicable law, or to contact anyone who has opted out (see Section 5.8)
  • **Scrape or bulk-extract**: use automated means to harvest listings, catalogs, business profiles, client information, or any other data from the Services beyond what a feature is designed to provide, or attempt to obtain data belonging to another business or its customers
  • **Misuse AI features**: attempt to circumvent AI credit limits, rate limits, access tiers, or redaction controls; resell or share access to hosted AI; or use AI features to generate content unrelated to operating your business (see Section 4.7)
  • **Infringe intellectual property rights**: Upload, display, reproduce, distribute, or otherwise use copyrighted images, photographs, videos, text, graphics, logos, trademarks, trade dress, patents, or other proprietary materials without the express written permission of the rights holder. You may not present another party's brand or creative works as your own, and you may not list, copy, or reproduce product descriptions or images obtained from third-party sources without a valid licence or authorization from the copyright or trademark owner.
  • **Facilitate illegal goods or services**: List, advertise, promote, sell, or facilitate any transaction involving goods or services that are illegal under applicable law, including but not limited to: (i) controlled substances, narcotics, or drug paraphernalia regulated under the *Controlled Drugs and Substances Act* (Canada), the *Criminal Code of Canada*, the *Cannabis Act* (Canada), or the *Controlled Substances Act* (USA), without holding all required federal, provincial, and local licences; (ii) prohibited or restricted weapons or weapon modification parts under the *Criminal Code of Canada* or applicable US federal or state law; (iii) prescription pharmaceuticals, alcohol, tobacco, or other age-restricted or licence-restricted goods, unless you hold all required licences and approvals in every jurisdiction in which you operate or sell; (iv) counterfeit, stolen, or pirated goods or software; or (v) any other goods or services whose offer or sale is prohibited under the laws of British Columbia, Canada, any US federal or state law, or any other applicable local jurisdiction.
  • **Post hate speech or harmful content**: Upload, publish, transmit, or distribute content that: (i) constitutes hate speech targeting individuals or groups based on race, colour, religion, sex, gender identity or expression, sexual orientation, disability, national or ethnic origin, age, or other characteristics protected under applicable human rights legislation (including the *Canadian Human Rights Act*, the *BC Human Rights Code*, or equivalent US federal and state civil rights laws); (ii) harasses, bullies, threatens, intimidates, or defames any person; (iii) incites violence or illegal activity; (iv) is obscene, pornographic, or sexually explicit, including — without exception — any content that sexualizes or exploits minors, which constitutes a criminal offence under the *Criminal Code of Canada* (ss. 163 and 163.1) and US federal law (18 U.S.C. §§ 2256–2260A); or (v) otherwise violates public safety regulations, consumer protection legislation, or applicable anti-spam laws, including *Canada's Anti-Spam Legislation* (CASL) and the US *CAN-SPAM Act*.

    • We may suspend or terminate access if we reasonably believe your use violates these Terms or creates risk to the Services or others. See also the detailed prohibited-content rules in Section 5.5 and our notice-and-takedown procedure in Section 5.6.

    4. Subscriptions, Billing, and Payments

    Some features require a paid subscription. Subscription terms, pricing, and plan limits may vary by tier.

    4.1 App Store Billing and Auto-Renewable Subscriptions

    If you purchase a subscription through Apple’s App Store, the following terms apply:

  • **Payment**: Payment will be charged to your Apple ID account at confirmation of purchase.
  • **Auto-Renewal**: Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period.
  • **Renewal Charge**: Your account will be charged for renewal within 24 hours prior to the end of the current period at the rate of your selected plan.
  • **Managing Subscriptions**: You can manage your subscriptions and turn off auto-renewal by going to your Account Settings on your Apple device after purchase.
  • **Cancellation**: No cancellation of the current subscription is allowed during the active subscription period. You may cancel renewal of your subscription at any time by turning off auto-renewal through your Apple ID Account Settings.
  • **Free Trials**: If a free trial is offered, any unused portion of the free trial period will be forfeited when you purchase a subscription.
  • **Price Changes**: Subscription prices may change from time to time. You will be notified of any price changes in accordance with Apple’s policies, and you will have the opportunity to cancel before the new price takes effect.

    • Apple handles billing and payment processing for App Store subscriptions, and Apple’s terms apply. For details, see Apple’s terms at https://www.apple.com/legal/internet-services/itunes/.

    4.2 Subscription Tiers

    novo SOLUTION offers the following subscription tiers, each with different feature sets and limits:

  • **Starter**: Basic business management features
  • **Professional**: Advanced features including website integration and additional capabilities
  • **Enterprise**: Full-featured plan with premium support and expanded limits

    • Current pricing and feature details for each tier are displayed in the app at the time of purchase.

    4.3 Third-Party Payments

    If you enable payment processing or terminal features, payments may be processed by third-party providers (for example, Stripe, Square, PayPal, Clover-supported terminals). Their terms and policies apply to those services.

    4.4 Taxes and Tax Tool Disclaimer

    **4.4.1 Your Tax Obligations** You are responsible for all applicable taxes, duties, and fees related to your use of the Services unless required otherwise by law.

    **4.4.2 Tax Features Are Tools Only — Not Tax or Legal Advice** novo SOLUTION includes features to assist with tax-related business operations, including tax rate management, tax reporting, tax exemption tracking, tax nexus tracking, tax audit trails and logs, tax rate scheduling, and tax review reminders (collectively, "Tax Tools"). These Tax Tools are provided as operational aids only.

    IMPORTANT: THE TAX TOOLS ARE NOT A SUBSTITUTE FOR QUALIFIED TAX ADVICE. WE DO NOT PROVIDE TAX, LEGAL, OR ACCOUNTING ADVICE, AND NOTHING IN THE SERVICES CONSTITUTES SUCH ADVICE.

    We take no responsibility or liability for:

  • The accuracy, completeness, or currency of any tax rate, tax calculation, or tax estimate produced by the Services
  • Compliance with any federal, state, provincial, territorial, or local tax law or regulation
  • Proper sales tax nexus determinations, including but not limited to economic nexus obligations arising under applicable law (including post-South Dakota v. Wayfair requirements)
  • Proper collection, reporting, remittance, or filing of any taxes
  • Any penalties, interest, fines, or other amounts assessed by any tax authority
  • The accuracy or completeness of any audit trail, audit log, or tax report generated by the Services and relied upon in any tax authority proceeding or audit
  • Failures, delays, or errors in any scheduled tax rate changes
  • Tax exemption determinations or the validity of any exemption certificate managed through the Services
  • Changes in applicable tax laws or rates that are not reflected in the Services

    • You are solely responsible for:

  • Verifying that all tax rates, calculations, and settings are accurate and current for your jurisdiction(s)
  • Monitoring and complying with all applicable tax laws, including nexus obligations in each jurisdiction where you do business
  • Maintaining your own authoritative tax records independently of the Services
  • Consulting with a qualified tax professional, certified public accountant (CPA), or tax attorney regarding your tax obligations
  • Filing all required tax returns and remitting all taxes owed to the appropriate authorities
  • Responding to any inquiry, audit, or proceeding initiated by any tax authority

    • **4.4.3 Third-Party Tax API Providers** novo SOLUTION optionally integrates with third-party tax calculation services, including **TaxJar** (by TaxJar, Inc.), **Avalara AvaTax** (by Avalara, Inc.), and **Stripe Tax** (by Stripe, Inc.) (each a "Tax API Provider"). These integrations are optional and only active when you choose to configure them.

    When you enable a Tax API Provider:

  • Transaction data (such as product details, shipping addresses, and order amounts) may be sent to the selected Tax API Provider to perform real-time tax calculations.
  • Each Tax API Provider operates under its own terms of service and privacy policy. We are not responsible for their accuracy, availability, or compliance with applicable law.
  • You are responsible for reviewing and complying with the terms of any Tax API Provider you configure.
  • Enabling a Tax API Provider does not transfer your tax compliance obligations to novo SOLUTION or to the Tax API Provider. You remain solely responsible for verifying that tax calculations are correct and for all resulting tax obligations.

    • Relevant policies:

  • TaxJar: taxjar.com/privacy
  • Avalara: avalara.com/us/en/legal/privacy-policy.html
  • Stripe Tax: stripe.com/privacy

    • **4.4.4 No Guarantee of Accuracy** Tax laws change frequently. We do not guarantee that any tax rate, nexus determination, exemption, or calculation produced by the Services reflects current law. You should independently verify all tax information before relying on it for compliance purposes.

    **4.4.5 Online Store — Showcase Mode** The online store feature of novo SOLUTION operates in one of two modes depending on how you have configured tax and payment processing:

    **(a) Showcase Mode (Default):** If you have not configured a qualifying tax or payment provider integration, the online store is in **Showcase Mode**. In Showcase Mode:

  • Your store is publicly visible and customers can browse your products and view pricing.
  • Customers **cannot** complete a purchase, proceed to checkout, or place an order.
  • No payments are collected.

    • **(b) Checkout Mode:** The online store allows customers to complete purchases only when at least one of the following is properly configured and active:

  • A supported **Tax API Provider**: TaxJar, Avalara AvaTax, or Stripe Tax (configured with valid credentials in your Tax Settings).
  • A supported **payment provider** with built-in tax handling enabled: such as Stripe (with Stripe Tax enabled) or Square (with Square Tax enabled).

    • This requirement exists to protect business owners from collecting payments without a verified mechanism for calculating and remitting applicable taxes. **You are solely responsible for ensuring your selected tax or payment provider configuration is accurate and compliant with all applicable tax laws in your jurisdiction(s) before enabling checkout.**

    Enabling Checkout Mode and accepting online orders does not transfer any of your tax compliance obligations to novo SOLUTION. See Sections 4.4.1 through 4.4.4 for your full tax responsibilities.

    4.5 Bandwidth, Storage, and Usage Limits

    Each subscription plan includes bandwidth and storage allowances as described in the app at the time of purchase. We monitor bandwidth and storage consumption on a per-account basis to enforce these limits.

    **4.5.1 Billing Cycle and Bandwidth Reset**

    Bandwidth usage is measured and reset on a **calendar month** basis. On the 1st of each calendar month (UTC), your bandwidth usage counter resets to zero regardless of when your subscription was purchased. Storage usage is cumulative and does not reset monthly.

    **4.5.2 Bandwidth Enforcement Thresholds**

  • **At 80% and 90% of your plan's bandwidth limit**: We will notify you via in-app notifications and/or email that you are approaching your bandwidth limit. No restrictions are applied at this stage.
  • **At 100% of your plan's bandwidth limit**: New file uploads (images, media, documents) will be blocked. All existing data remains fully accessible. Core app functionality (invoicing, inventory, customer management) continues without interruption. An upgrade prompt displaying your current bandwidth and storage usage (in GB) against your plan's limits will be displayed to all users on the account (including staff and non-managerial users) at each sign-in until the account is upgraded or a new calendar month begins with usage below the limit.
  • **At 120% of your plan's bandwidth limit**: Your public-facing website will be automatically unpublished (taken offline). The iOS app and all internal business operations remain fully functional. Your data is not deleted or modified — only public website visibility is suspended.

    • **4.5.3 Storage Enforcement**

    Storage limits are checked before each file upload. If your account's total storage usage (including reserved space for pending uploads) exceeds your plan's storage allowance, new uploads will be blocked until storage is freed or your plan is upgraded.

    **4.5.4 Automatic Website Republishing**

    If your website was automatically unpublished due to exceeding bandwidth limits (as described in Section 4.5.2), your website's published status will be automatically restored when **either** of the following occurs:

  • **Plan upgrade**: You upgrade your subscription plan and your bandwidth usage under the new plan's limit is below 100%. Automatic republishing occurs immediately upon successful plan upgrade processing — no manual action is required.
  • **New billing period**: A new calendar month begins and your bandwidth usage resets to zero, bringing your usage below 100% of your plan's limit. Your website will be automatically republished upon the next bandwidth status check after the reset.

    • In both cases, automatic republishing applies **only** if the website was unpublished by our automated enforcement system. If your website was manually unpublished by an authorized user on your account, neither a plan upgrade nor a new billing period will automatically republish it — you must manually republish it through the iOS app.

    **4.5.5 No Data Loss**

    Reaching or exceeding bandwidth or storage limits does not result in any data deletion, corruption, or modification. Your existing data (products, invoices, customer records, media files, website content) remains intact and accessible through the iOS app regardless of limit status. Only new upload operations and public website visibility may be affected.

    **4.5.6 Monitoring and Notification**

    You can view your current bandwidth and storage usage at any time through the iOS app. The app displays your exact usage in gigabytes (GB) alongside your plan's limit for both bandwidth and storage, with visual progress indicators showing your current usage percentage. We will make commercially reasonable efforts to notify you as you approach plan limits, but ultimate responsibility for monitoring usage and upgrading as needed rests with you.

    4.6 Branch/Store Limits and Tier Downgrade

    Each subscription tier includes a maximum number of active branches (stores/locations) you may operate simultaneously. The specific branch limits for each tier are displayed in the app at the time of purchase and may be updated from time to time.

    **4.6.1 Branch Limits by Tier**

    Branch limits vary by subscription tier. In general:

  • **Starter** and **Professional** tiers include a limited number of active branches (typically one, unless a higher limit has been granted to your account).
  • **Enterprise** tier includes an expanded branch allowance as described in your plan details.

    • If your account has been granted a custom branch limit (for example, through a promotional offer or account-level override), that limit applies for the duration specified.

    **4.6.2 Downgrade — Branch Selection**

    If you downgrade to a tier with a lower branch limit and you currently operate more branches than the new tier allows, you will be prompted to select which branch(es) to keep active. You must make this selection before the downgrade can be completed. The system will not automatically deactivate branches without your explicit choice.

    **4.6.3 Grace Period**

    Branches you do not select to keep active will enter a **14-day grace period** during which:

  • The branch's status is changed to maintenance and it is immediately hidden from your public-facing website (including store locators, product availability displays, and contact pages).
  • The branch remains accessible within the iOS management app for review and data export during this period.
  • Staff users and future appointments associated with the deactivating branch are reassigned to your remaining active branch to minimize business disruption.

    • If you upgrade your subscription to a tier with a higher branch limit during the grace period, you may cancel the pending deactivation and restore the branch to full active status.

    **4.6.4 Data Preservation After Grace Period**

    After the 14-day grace period expires:

  • The branch is marked as inactive.
  • Branch data (products, inventory records, transaction history, customer associations, and other business records) is **compressed and archived** but **never deleted**. Your data remains recoverable if you later upgrade to a tier that supports additional branches.
  • Media files associated with the branch (such as product images) may be compressed to reduce storage usage, but original content is preserved in reduced form.

    • **4.6.5 No Data Loss**

    Branch deactivation resulting from a tier downgrade does not result in any permanent data deletion. All business records, transaction history, and customer data associated with a deactivated branch are preserved in archived form. Only the branch's active/public status and associated storage footprint are affected.

    4.7 AI-Powered Features (Optional)

    AI features are optional and the Services are fully usable without them. Supported options include Siri AI / Apple Intelligence, bring-your-own-key ("BYOK") providers, Novo-hosted AI, and MCP-connected desktop assistants (ChatGPT Desktop / Claude Desktop).

    **4.7.1 AI Access Tiers** Siri AI Full Access (opt-in, iOS 27+ on Apple Intelligence–capable devices) may read and write across AI-eligible features within your role and plan. Processing is on-device or via Apple Private Cloud Compute (stateless, encrypted, not used for training). External AI uses a Standard tier: sensitive domains are summarized with personal details redacted, and user management or bulk destructive actions are blocked. MCP-connected desktop assistants always operate at the Standard tier. API keys, credentials, and security settings are blocked for all AI, including Siri AI.

    Full access is off by default, requires explicit consent in Settings → AI Access, and can be revoked anytime. AI never exceeds the signed-in user's permissions, subscription/plan feature flags, or demo-mode write blocks. AI actions are logged locally on your device; prompt bodies are not stored in that log. BYOK API keys are encrypted at rest and never CloudKit-synced.

    **4.7.2 Bring-Your-Own-Key (BYOK)** Where you supply your own API key, the request is made under your account with that provider — from your device for features in the iOS app, or from our servers using the key you saved for features that run on the website side. You are responsible for your agreement with that provider, for all charges they bill you, for the usage limits on your key, for keeping the key confidential and rotating it if it is compromised, and for any data retention or model training settings available in your provider account. We are not a party to that relationship and do not control it. Image generation, video generation, and voice-over generation are available on a BYOK basis only.

    **4.7.3 Novo-Hosted AI and Credits** Where Novo-hosted AI is enabled for your account, requests are routed through our servers and executed using our provider keys. Hosted AI is metered in credits:

  • Each plan includes a monthly credit allowance, with daily and weekly sub-limits, rate limits, concurrency limits, and caps on bulk operations. Current allowances and the credit cost of each operation are shown in the app.
  • Different operations consume different numbers of credits. Larger operations, such as designing a full page or running a site-wide bulk fix, consume substantially more than a short text generation.
  • When your allowance is exhausted, hosted AI operations are declined until the allowance resets or you upgrade. No other functionality is affected.
  • Credits have no cash value, are not refundable, do not carry over between periods unless we state otherwise, and cannot be transferred between accounts.
  • Repeated identical requests may be served from a short-lived cache rather than re-run.
  • We may adjust credit allowances, credit costs, available models, and rate limits over time, including to manage provider cost and availability.

    • You must not attempt to resell, share, automate around, or otherwise circumvent hosted AI limits, and you must not use hosted AI to generate content unrelated to operating your business.

    **4.7.4 Provider Availability and Changes** AI providers and models are third-party services. We may add, replace, deprecate, or remove providers and models at any time, including for reasons outside our control such as a provider discontinuing a model or changing its terms. We do not guarantee that any specific provider, model, or output quality will remain available.

    **4.7.5 Your Responsibility for AI Output** AI-generated content is a suggestion only. You are solely responsible for reviewing, editing, verifying, and approving all AI output before you use, publish, send, or rely on it. This includes verifying factual accuracy, pricing, legal and regulatory claims, tax and financial figures, product safety and compliance statements, translations, and that the output does not infringe any third party's rights.

    AI output may be inaccurate, incomplete, biased, or misleading, and may resemble content generated for other users. We make no warranty as to the accuracy, originality, non-infringement, or fitness for any purpose of AI output, and Sections 9 and 10 apply in full.

    **4.7.6 Data Handling** We do not use your business data to train AI models. See the Privacy Policy sections on AI Features and Novo Voice for provider-specific data flows, including what we retain for Novo-hosted requests.

    4.8 Novo Voice (Optional)

    Novo Voice is an optional voice assistant for operating the Services by speaking. It is subject to your plan and to the AI access tiers in Section 4.7.

  • **Not a telephone service.** Novo Voice does not answer, place, or record telephone calls. If you ask it to call a contact, it hands the number to your device's phone application and the call takes place outside the Services. Any obligation to give notice or obtain consent before recording a telephone call is yours, and the Services provide no call recording capability.
  • **Speech recognition.** Speech is converted to text by Apple's speech recognition, on-device where supported. Recognized text may then be processed by an AI provider as described in Section 4.7.
  • **Actions.** Novo Voice can create and change business records. It operates strictly within the signed-in user's permissions and your plan, and higher-risk actions require explicit confirmation. You remain responsible for every action carried out through Novo Voice on your account, and for reviewing the results.
  • **Accuracy.** Voice recognition and command interpretation can misinterpret what you said, particularly in noisy environments or in languages and accents that are less well supported. You are responsible for verifying that any record created or changed by voice is correct.
  • **Improvement data.** Commands Novo Voice fails to understand are collected as text, with diagnostic context, so we can improve the assistant, as described in the Privacy Policy. Do not speak information you do not wish to be collected in this way if a command is failing repeatedly.
  • **Connected desktop assistants.** If you authorize ChatGPT Desktop, Claude Desktop, or another MCP client to connect to your account, that assistant is operated by its vendor under that vendor's terms. You are responsible for the connection, for the actions that assistant takes on your account, and for revoking access when it is no longer needed.

    • 5. Your Data and Your Responsibilities

    5.1 Your Content and Business Data

    You retain ownership of the data and content you submit to the Services (“Customer Data”). You are responsible for the legality of Customer Data, including obtaining any required notices and consents from your customers, employees, or other individuals.

    5.2 Data Protection Roles

    Where applicable:

  • Your business typically acts as the **data controller** for Customer Data you upload or manage.
  • novo SOLUTION typically acts as a **service provider / processor** for Customer Data when we process it to provide the Services.

    • 5.3 Backups and Export

    We provide features intended to protect data integrity (including backups and sync), but you are responsible for maintaining appropriate backups and export processes for your business needs.

    5.4 Sensitive Data; No HIPAA Use

    “**Sensitive Data**” includes (without limitation): government-issued identifiers, Social Insurance Numbers, passport numbers, payment card data beyond what a payment processor is designed to handle, precise geolocation, biometric identifiers, health/medical information, or other sensitive categories regulated by law.

    Unless we expressly agree in writing, or unless a feature is expressly designed to collect it as set out in Section 5.9, you must not upload, store, or process Sensitive Data (including **Protected Health Information (PHI)**) in the Services.

    The Services are **not designed for HIPAA compliance** and we do not act as a “business associate” under HIPAA. Do not use the Services to store or process PHI unless we have a separate written agreement that specifically permits it.

    5.5 Prohibited Content

    In addition to the general restrictions in Section 3, you must not upload, store, publish, display, transmit, or distribute through any feature of the Services — including your online store, invoices, estimates, website pages, product listings, images, descriptions, or social media posts — any content that falls into the following categories ("Prohibited Content"):

    **(a) Intellectual Property Infringement** Content that infringes, misappropriates, or otherwise violates any copyright, trademark, trade secret, patent, moral right, or other intellectual property or proprietary right of any person or entity, including without limitation:

  • Images, photographs, illustrations, graphics, audio, or video obtained from third parties without a valid licence or the express written permission of the rights holder;
  • Brand names, logos, slogans, or trade dress belonging to a third party used without the express written authorization of the trademark owner;
  • Product descriptions, marketing copy, or creative works reproduced or substantially adapted from third-party sources without authorization;
  • Content that falsely implies an affiliation with, endorsement by, or sponsorship from any third party; or
  • Software, music, films, or other creative works distributed without the required licence.

    • **(b) Illegal or Regulated Goods and Services** Content that lists, advertises, promotes, prices, sells, or facilitates any transaction involving goods or services that are illegal or require a licence, permit, or regulatory approval that you do not hold, including:

  • Controlled substances, narcotics, precursor chemicals, or drug paraphernalia regulated under the *Controlled Drugs and Substances Act*, S.C. 1996, c. 19 (Canada); the *Criminal Code*, R.S.C. 1985, c. C-46 (Canada); the *Cannabis Act*, S.C. 2018, c. 16 (Canada); or the *Controlled Substances Act*, 21 U.S.C. § 801 et seq. (USA), unless you hold all applicable federal, provincial, state, and local licences for each jurisdiction in which you operate or sell;
  • Prohibited firearms, prohibited or restricted weapons, suppressors, illegal weapon modification parts, or other items regulated under the *Criminal Code of Canada* or applicable US federal law (Gun Control Act, 18 U.S.C. § 921 et seq.), or state law;
  • Prescription pharmaceuticals, natural health products requiring a site licence, alcohol, tobacco, vaping products, or other age-restricted or licence-restricted products, unless you hold all required approvals in every jurisdiction where you conduct sales;
  • Counterfeit, stolen, or materially misrepresented goods, or pirated software and media;
  • Products or services subject to trade embargoes, sanctions, or export controls under the *Export and Import Permits Act* (Canada), the *Special Economic Measures Act* (Canada), US Export Administration Regulations (EAR), or Office of Foreign Assets Control (OFAC) sanctions; or
  • Any other goods or services whose offer, advertisement, or sale is prohibited under the laws of British Columbia, Canada, any US federal or state jurisdiction, or any other jurisdiction in which you operate.

    • **(c) Hate Speech, Harassment, and Harmful Content** Content that:

  • Constitutes hate speech, propaganda, or material that promotes, glorifies, or incites hatred, discrimination, or violence against individuals or groups on the basis of race, colour, religion, sex, gender identity or expression, sexual orientation, disability, national or ethnic origin, age, or other characteristics protected under the *Canadian Human Rights Act*, R.S.C. 1985, c. H-6; the *BC Human Rights Code*, R.S.B.C. 1996, c. 210; the US Civil Rights Act (42 U.S.C. § 2000a et seq.); or equivalent applicable human rights legislation;
  • Harasses, bullies, threatens, stalks, intimidates, or defames any individual or group;
  • Incites, instructs, or facilitates any criminal act or violence;
  • Is obscene, pornographic, or sexually explicit, including — without exception and constituting a zero-tolerance policy — any content that depicts, sexualizes, exploits, or grooms minors, which is a criminal offence under the *Criminal Code of Canada* (ss. 163, 163.1, and 172.1) and US federal law (18 U.S.C. §§ 2256–2260A); or
  • Violates applicable public safety, consumer protection, privacy, or anti-spam legislation, including *Canada's Anti-Spam Legislation*, S.C. 2010, c. 23 (CASL), the US *CAN-SPAM Act* (15 U.S.C. § 7701 et seq.), or the *Personal Information Protection and Electronic Documents Act* (PIPEDA).

    • **Your Responsibility.** You are solely responsible for ensuring that all content you or your authorized users upload or publish through the Services complies with this Section 5.5 and all applicable law. novo SOLUTION does not pre-screen user-uploaded content but reserves the right to remove or disable access to any Prohibited Content at any time without prior notice, and to terminate accounts responsible for repeated or egregious violations.

    5.6 Notice and Takedown — Copyright and Prohibited Content

    **5.6.1 Purpose** novo SOLUTION respects intellectual property rights and complies with applicable law regarding user-uploaded content. This procedure applies to claims of copyright infringement and reports of other Prohibited Content (as defined in Section 5.5) stored or displayed through the Services.

    **5.6.2 How to Submit a Takedown Notice** If you believe that content stored or displayed through the Services infringes your copyright or other intellectual property rights, or constitutes Prohibited Content under Section 5.5, submit a written notice to:

    > **Designated Agent — Content Takedown** > Email: **support@novosolution.org** > Subject line: **"Content Takedown Notice"**

    **5.6.3 Required Information for Copyright Infringement Notices** To be effective, a copyright takedown notice must include all of the following:

    (a) **Identification of the work**: A description of the copyrighted work claimed to be infringed, or — if multiple works at a single site are covered — a representative list of those works.

    (b) **Identification of the infringing material**: Sufficient information to identify and locate the specific material within the Services (for example, the URL, account name, or a description of where the content appears).

    (c) **Contact information**: Your full legal name, mailing address, telephone number, and email address.

    (d) **Good-faith statement**: A statement that you have a good-faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or applicable law.

    (e) **Accuracy statement**: A statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner.

    (f) **Signature**: Your physical or electronic signature.

    We may request additional information before acting on a notice that does not meet these requirements. Notices that are materially incomplete may not result in action.

    **5.6.4 Counter-Notices** If you believe your content was removed or disabled in error, you may submit a written counter-notice to the address above containing:

    (a) Identification of the content that was removed and its location before removal; (b) A statement, under penalty of perjury, that you have a good-faith belief the content was removed as a result of mistake or misidentification; (c) Your full name, address, telephone number, email address, and a statement consenting to the jurisdiction of the courts of British Columbia, Canada (or, if you are located in the United States, the federal district court for your district), and that you will accept service of process from the original complainant; and (d) Your physical or electronic signature.

    Upon receipt of a valid counter-notice, we may restore the content within a reasonable period unless the original complainant notifies us that they have initiated legal action to restrain the alleged infringement.

    **5.6.5 Repeat Infringers** novo SOLUTION maintains a policy of terminating, in appropriate circumstances, the accounts of subscribers and users who are repeat infringers of intellectual property rights or who repeatedly post Prohibited Content. We reserve the right to terminate any account without notice in cases of severe or criminal violations (including any content involving the exploitation of minors).

    **5.6.6 Platform Liability Limitation — Safe Harbour** novo SOLUTION operates as a passive hosting provider with respect to content uploaded or published by business owners and their customers. We do not create, edit, or endorse such content. To the maximum extent permitted by applicable law:

  • We are not liable for third-party content uploaded through the Services, provided we respond to valid takedown notices in accordance with this Section 5.6.
  • This limitation is intended to be consistent with the safe-harbour protections available under the *Digital Millennium Copyright Act* (DMCA), 17 U.S.C. § 512 (USA), and analogous intermediary, hosting, caching, and notice-and-notice principles recognized under the *Copyright Act*, R.S.C. 1985, c. C-42 (Canada), including ss. 31.1 and 41.25–41.27.
  • Nothing in this Section limits our right to remove content we determine, in our sole discretion, to be in violation of these Terms, applicable law, or harmful to the Services, other users, or third parties.

    • **5.6.7 Abuse of Process** Submitting a takedown notice or counter-notice that you know to be materially false or misleading may expose you to civil liability, including damages and legal fees, under applicable law. novo SOLUTION reserves the right to share notice information with the account holder whose content is the subject of the notice.

    5.7 Employee Access from Personal Devices ("Managed Staff")

    Where your subscription includes it, you may invite employees to access your account, including from their own personal iPhone or iPad.

    **5.7.1 Your Responsibilities as the Employer**

  • You are responsible for who you invite, the role and permissions you assign, and everything those users do in your account.
  • You must revoke access promptly when a person leaves your business or no longer needs it. Access continues until you revoke it.
  • You must give your employees whatever notice their local employment and privacy law requires about what you can see, including that you can see the business records they create and, where you use those features, their shift, clock-in, and tip records.
  • Where consent is required for you to collect or review employee information, obtaining it is your responsibility, not ours.
  • You must not require an employee to use a personal device in a way that violates applicable employment, labour, or privacy law, or any collective agreement.
  • You are responsible for complying with applicable law on reimbursing employees for the use of personal devices and data plans.

    • **5.7.2 What the Services Do and Do Not Provide**

  • Employer data cached on an employee's personal device is held in a separate encrypted workspace, excluded from that device's backups, and is not synced to the employee's personal iCloud account.
  • When you revoke access, server-side sessions and device registrations are destroyed and the employer workspace is removed from the employee's device the next time the app runs. Removal waits until work the employee already entered has been transmitted, so that business data is not lost.
  • The Services do **not** provide mobile device management, remote erasure of an employee's personal device, location tracking, access to an employee's personal photos, contacts, or messages, or inspection of anything on the device outside the Services. Do not represent to your employees that we provide these capabilities.
  • Because we cannot control an employee's personal device, we cannot guarantee that data cached on it is removed on any particular timeline, or at all if the device is never connected again, lost, or destroyed. You are responsible for your own policies covering lost or retained devices.

    • **5.7.3 If You Are an Employee** Your access is granted by, and may be revoked at any time by, the business that invited you. The business data you access belongs to that business. You must use it only for that business's purposes, must not copy or export it for personal use, and must keep your credentials secure. Questions about what your employer can see should be directed to your employer.

    5.8 Marketing Communications — Consent and Compliance

    If you use the email or SMS features to contact customers, prospects, or subscribers:

  • **You are the sender.** You determine who is contacted and what is sent. novo SOLUTION provides the tools.
  • **You must have valid consent.** You are solely responsible for obtaining and keeping records of the consent required by applicable law, including *Canada's Anti-Spam Legislation* (CASL), the US *CAN-SPAM Act*, the US *Telephone Consumer Protection Act* (TCPA), and any equivalent law in the jurisdictions where your recipients are located. For SMS, this includes express written consent where required.
  • **You must honour opt-outs.** Every marketing message must include a functioning unsubscribe or opt-out mechanism, and you must not contact anyone who has opted out. The Services maintain suppression records to help, but the legal obligation is yours.
  • **Tracking.** Email campaigns may include open tracking and link click tracking. You are responsible for any disclosure or consent your jurisdiction requires for that tracking.
  • **Content.** You are responsible for accurate sender identification, a valid physical mailing address where required, and the truthfulness of your messages.
  • **Provider terms.** Messages are delivered through the provider you configure. That provider's acceptable use policy applies in addition to these Terms, and the provider may suspend delivery independently of us.
  • **Enforcement.** We may suspend or disable your messaging features without notice if we reasonably believe they are being used to send unsolicited messages, if complaint or bounce rates are excessive, or if a delivery provider or regulator requires it. You will indemnify us for any claim, penalty, or provider charge resulting from your messaging.

    • 5.9 Financing, Credit, and Sensitive Application Data

    Some business types can enable financing or credit application features that collect an applicant's date of birth and a government-issued identifier such as a Social Insurance Number or Social Security Number. These features are an express exception to the Sensitive Data restriction in Section 5.4, and only within those features.

    If you enable them:

  • You are the recipient of the application. novo SOLUTION does not make credit decisions, does not act as a lender, broker, credit reporting agency, or consumer reporting agency, and does not evaluate, score, verify, or forward applications on your behalf.
  • You are solely responsible for complying with all applicable consumer credit, lending, fair lending, adverse action, disclosure, identity verification, anti-money-laundering, and privacy laws, including the *Personal Information Protection and Electronic Documents Act* (PIPEDA) and applicable provincial legislation in Canada, and the *Equal Credit Opportunity Act*, *Fair Credit Reporting Act*, and *Gramm-Leach-Bliley Act* in the United States, in each case to the extent they apply to you.
  • You must obtain the applicant's informed consent before collecting this information, restrict access to it within your team to those who need it, and retain and dispose of it lawfully.
  • You must not use these features to collect government identifiers for any purpose other than a genuine financing or credit application.

    • We provide these features as a data collection tool only, with no warranty of regulatory sufficiency. Sections 9, 10, and 11 apply in full.

    6. Third-Party Services and Integrations (Including Social Media)

    The Services may integrate with third-party platforms that you choose to connect. Examples include:

  • **Social media**: Facebook/Instagram (Meta), TikTok
  • **Payments**: payment processors and terminal providers
  • **Email providers** and other business integrations

    • When you connect an integration, you authorize us to access and process necessary tokens and metadata to provide that integration. You are responsible for complying with the third party’s terms, policies, and platform rules.

    6.1 Social Media Posting and Data Deletion

    If you enable social media integrations:

  • novo SOLUTION may allow you to publish content (for example, product posts) to your connected accounts/pages.
  • Disconnecting an integration stops automated posting and removes stored access where supported.
  • The app provides a “Delete All Social Media Data” option which is designed to disconnect accounts and delete stored connection data (including tokens and local cached settings).

    • Important:

  • Content already posted to third-party platforms remains on those platforms unless you remove it there.
  • Provider-side revocation may be attempted where supported, but revocation is not guaranteed in all cases.

    • 6.2 Additional Integrations

    In addition to social media and payments, you may connect integrations including email delivery and marketing providers (for example Resend, SendGrid, Amazon SES, Mailchimp, or a Gmail/Google Workspace mailbox), SMS providers (Twilio, Amazon SNS), accounting software (Xero), automation platforms (Zapier), and shipping carriers (USPS, UPS, FedEx, DHL).

    For every integration you connect:

  • You must hold a valid account with that provider and comply with its terms, acceptable use policy, and rate limits.
  • You are responsible for the accuracy of data pushed to or pulled from that provider, and for reconciling any discrepancy. Accounting and shipping integrations in particular are convenience tools; your books of record and your carrier obligations remain yours.
  • We do not control third-party availability, pricing, or API changes. A provider may change or discontinue its API, which may break or remove an integration without notice.
  • Data you route to an automation platform such as Zapier may then be sent onward to any service you connect there. That onward flow is entirely your responsibility.

    • 6.3 Real Estate Listing Feeds (MLS / IDX)

    If you connect an MLS, CREA DDF, or other listing feed, you represent that you hold the required membership, licence, and authorization to receive and display that data, and that your display complies with the feed provider's rules, including required attribution, disclaimers, refresh frequency, and restrictions on retention, redistribution, and use of listing and agent information. We provide the technical connection only. We are not a party to your agreement with the feed provider, do not verify your licensing, and are not responsible for any fine, suspension, or termination imposed by a board, association, or feed provider.

    6.4 Third-Party Widgets on Your Storefront

    If you enable a third-party component on your public website — for example a live chat widget or a messaging button — that component is operated by its vendor and collects data from your visitors directly. You are responsible for disclosing it in your own privacy policy, for any consent required in your visitors' jurisdictions, and for complying with the vendor's terms.

    6.5 Custom Domains

    If you connect a custom domain, you represent that you own or are authorized to use it. You are responsible for maintaining your domain registration and for the DNS records required for verification and certificate issuance. Certificate provisioning and renewal depend on third-party infrastructure, and we do not guarantee uninterrupted availability of a custom domain.

    7. Intellectual Property

    The Services, including software, design, text, graphics, and logos, are owned by novo SOLUTION or its licensors and are protected by intellectual property laws.

    We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services during the term of your subscription or authorized use, subject to these Terms.

    8. Confidentiality

    You may receive non-public information about the Services. You agree not to disclose it except as required for authorized use of the Services.

    9. Service Availability, Disclaimers

    The Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law:

  • We disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement.
  • We do not warrant that the Services will be uninterrupted, error-free, or that data loss will never occur.

    • YOU ACKNOWLEDGE THAT USE OF THE SERVICES IS AT YOUR SOLE RISK. YOU ARE SOLELY RESPONSIBLE FOR CONFIGURING, USING, AND MAINTAINING APPROPRIATE BACKUPS, SECURITY CONTROLS, AND OPERATIONAL PROCEDURES FOR YOUR BUSINESS, INCLUDING EXPORTING AND BACKING UP CUSTOMER DATA YOU STORE IN THE SERVICES.

    10. Limitation of Liability

    To the maximum extent permitted by law:

  • novo SOLUTION will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, data, goodwill, or business interruption.
  • Our total liability for any claim related to the Services will not exceed the amount you paid us for the Services in the 12 months before the event giving rise to the claim (or, if greater rights apply under law, the minimum permitted by law).

    • TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT novo SOLUTION HAS NO RESPONSIBILITY OR LIABILITY FOR ANY LOSS OR CORRUPTION OF DATA, LOSS OF BUSINESS, LOST PROFITS, OR OTHER DAMAGES ARISING FROM YOUR USE OF (OR INABILITY TO USE) THE SERVICES, INCLUDING ANY RELIANCE ON REPORTS, ANALYTICS, AUTOMATIONS, THIRD-PARTY INTEGRATIONS, OR CONFIGURATION SETTINGS.

    11. Indemnification

    You agree to defend, indemnify, and hold harmless novo SOLUTION and its affiliates from claims, damages, liabilities, and expenses arising from:

  • Your Customer Data
  • Your use of the Services in violation of these Terms
  • Your violation of law or third-party rights

    • 12. Termination

    You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms or if we must do so to protect the Services or comply with law.

    Upon termination:

  • Your access to the Services may end.
  • You may lose access to certain features and integrations.
  • You remain responsible for exporting any Customer Data you need, subject to applicable retention and deletion processes.
  • Any employees you invited lose access, and the employer workspace cached on their personal devices is removed as described in Section 5.7.
  • If you participated in Novo Market, your listing is removed and client memberships with your business end. You remain responsible for completing or resolving any orders and bookings already placed.
  • Unused hosted AI credits are forfeited and are not refundable.

    • 12.1 Account Deletion

    In compliance with Apple App Store requirements, novo SOLUTION provides account deletion directly within the app.

    **How to Delete Your Account:**

    1. Open the novo SOLUTION app

    2. Navigate to **Settings** > **Account**

    3. Tap **Delete Account**

    4. Confirm your decision when prompted

    **Account Deletion Terms:**

  • **Permanent Deletion**: Account deletion is permanent and cannot be undone. We do not offer temporary account deactivation.
  • **No Customer Service Required**: You can complete account deletion entirely within the app without needing to call, email, or contact support.
  • **Data Removal**: Upon account deletion, all your account data, business data, connected integrations, website content, local backup files, iCloud backup files, and cached data will be permanently deleted. OAuth tokens for connected services will be revoked with the third-party providers.
  • **Apple Subscription Not Automatically Cancelled**: Your Apple App Store subscription is managed by Apple and is NOT automatically cancelled when you delete your account. You must cancel your subscription separately through your Apple ID subscription settings or at https://apps.apple.com/account/subscriptions. If you do not cancel, Apple may continue to charge you.
  • **Third-Party Content**: Content you have already posted to third-party platforms (such as Facebook, Instagram, or TikTok) will remain on those platforms unless you delete it directly from those platforms.
  • **Export Your Data**: You are responsible for exporting any data you wish to retain before initiating account deletion.
  • **Processing Time**: Account deletion is processed immediately upon confirmation. All data is deleted immediately and cannot be recovered.

    • For more details on data deletion, please refer to Section 9 of our Privacy Policy.

    13. Privacy

    Our Privacy Policy (available at https://www.novosolution.org/privacy) explains how we collect and use information, including how to manage data deletion and integrations. Please review the Privacy Policy and the in-app privacy settings.

    14. Changes to These Terms

    We may update these Terms at any time, **without prior notice**, to the extent permitted by law. Updated Terms are effective when posted (or as otherwise stated). By continuing to use the Services after updated Terms are effective, you agree to the updated Terms. If notice is required by applicable law for certain changes, we will provide the required notice.

    15. Additional Standard Terms

    15.1 Export Controls and Sanctions

    You represent that you are not located in (and will not use the Services in) any jurisdiction where such use is prohibited by law and that you will comply with applicable export control and sanctions laws.

    15.2 Force Majeure

    We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control (for example, outages, acts of government, natural disasters, labor disputes, internet/service provider failures, or third-party platform failures).

    15.3 Assignment

    You may not assign these Terms without our prior written consent. We may assign these Terms as part of a merger, acquisition, reorganization, or sale of assets.

    15.4 Severability; Waiver

    If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect. A waiver of any breach is not a waiver of any other breach.

    15.5 Entire Agreement

    These Terms (together with the Privacy Policy and any additional written terms for specific features or enterprise plans) are the entire agreement regarding the Services and supersede prior or contemporaneous agreements on the subject.

    16. Governing Law; Venue

    These Terms are governed by the laws of the **Province of British Columbia** and the federal laws of **Canada** applicable therein, without regard to conflict of law principles.

    To the extent permitted by law, you agree that any dispute, claim, or proceeding arising out of or related to the Services will be brought exclusively in the courts located in **Vancouver, British Columbia**, and you consent to the personal jurisdiction of those courts.

    17. Notices and Contact

    Legal: support@novosolution.org Privacy: support@novosolution.org

    18. Novo Market and Client Accounts

    Novo Market lets an individual create a single client account and use it to discover, follow, join, book with, and order from participating businesses that use novo SOLUTION. This Section applies in addition to the rest of these Terms. Availability is controlled by us at the platform level and by each business for its own store, and may be limited, suspended, or discontinued at any time.

    18.1 Our Role — We Are Not the Seller

    Each participating business sells its own goods and services under its own name and is the seller and merchant of record for every transaction. novo SOLUTION provides the software, the directory, and the technical means to transact.

    We do not own, hold title to, inspect, warrant, price, fulfill, deliver, or service any product or service offered through Novo Market. We are not a party to the contract of sale between a client and a business, and we are not an agent of either. Any dispute about an order, booking, price, quality, delivery, cancellation, return, refund, warranty, or service is between the client and the business.

    18.2 Terms for Businesses Participating in Novo Market

    If you list your business in Novo Market:

  • **Participation is optional.** You control whether your business is listed, which capabilities are enabled, and whether new members join instantly or require approval. You may withdraw at any time.
  • **Public information.** Listing publishes your business profile — including name, description, logo, business type, address and coordinates, business contact details, hours, and your catalog with prices and images — and makes it publicly accessible. Do not enable listing for information you do not want public.
  • **Accuracy.** You are responsible for the accuracy and currency of your listing, catalog, pricing, availability, tax treatment, and policies, and for honouring the prices and availability you publish.
  • **Your own policies.** You are responsible for publishing and honouring your own return, refund, cancellation, delivery, and privacy policies, and for complying with the consumer protection law of every jurisdiction in which you sell or deliver.
  • **Fulfillment and support.** You are solely responsible for fulfilling orders, honouring appointments and reservations, communicating with clients, and handling cancellations, returns, refunds, chargebacks, and disputes.
  • **Payments.** Payments are processed through your own payment processor account, either directly or through a connected account. Where a connected account is used, we may deduct a platform fee from each transaction at the rate disclosed to you before you enable checkout. Payouts, holds, reserves, and chargebacks are governed by your agreement with the payment processor.
  • **Fees.** Participation may require a qualifying subscription. Subscription fees and any platform fee are separate and both may apply.
  • **Client data.** Information a client provides to you through Novo Market is Customer Data under Section 5. You may use it to fulfill and support that client's relationship with your business, and to send marketing only in accordance with Section 5.8. You must not sell it, and you must not use it outside your relationship with that client.
  • **Isolation.** You will receive information only about clients' relationships with your own business. You must not attempt to identify, infer, scrape, or obtain information about a client's relationship with any other business, or about any other business's clients, catalog, or performance.
  • **Prohibited content.** Sections 3, 5.5, and 5.6 apply in full to everything you publish in Novo Market. We may remove a listing, suspend participation, or terminate an account for a violation.

    • 18.3 Terms for Clients

    If you create a Novo Market client account:

  • **Eligibility.** You must be at least 13 years old and provide accurate registration information, including a genuine date of birth. Accounts for anyone under 13 are not permitted. Where a product, service, or business is age-restricted, additional age requirements set by that business or by law apply.
  • **Your account.** You are responsible for keeping your credentials secure and for activity under your account. One account per person.
  • **Your purchases are with the business.** When you place an order or make a booking, you are contracting with that business, not with novo SOLUTION. That business's prices, policies, and terms govern the transaction. Direct all questions and complaints about an order to that business first.
  • **Payment.** Payment is collected through the business's payment processor. Saved payment methods are held as tokens by the processor; we do not store your full card number.
  • **Cancellations and refunds.** Cancellation windows and refund eligibility are set by each business and may differ between businesses. We do not issue refunds for goods or services sold by a business and cannot compel a business to do so.
  • **Acceptable use.** You must not use Novo Market to place fraudulent orders, harass a business or its staff, scrape or bulk-collect listings or business information, interfere with the Services, or violate any law. We may suspend or terminate a client account for any of these.
  • **Communications.** You will receive transactional messages relating to your orders, bookings, and account. Marketing messages from a business require your consent and can be opted out of at any time.
  • **Your data.** You can export your data and request deletion from within your account. See Section 9.3 of the Privacy Policy for what deletion does and does not remove.
  • **Availability.** Novo Market, any business's participation in it, and any individual listing may change or become unavailable at any time. We do not guarantee that any business, product, service, price, or booking slot will remain available.
  • **No warranty.** Sections 9 and 10 apply to your use of Novo Market. We provide the platform "as is" and disclaim responsibility for the goods, services, conduct, statements, and policies of participating businesses.

    • 18.4 Indemnity

    Each business participating in Novo Market will defend, indemnify, and hold harmless novo SOLUTION from any claim brought by a client or by any authority arising out of that business's listings, products, services, pricing, fulfillment, refunds, communications, or handling of client information.

    Last Updated: August 21, 2026

    Version 1.1.8 • Last updated: 8/22/2026