Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (whether as an individual or on behalf of an entity, “you” or “your”) and FornaxLink, LLC, a Georgia limited liability company (“FornaxLink,” “we,” “us,” or “our”) governing your access to and use of the Tavvi platform, including the point-of-sale system, consumer mobile application, website, and all related services (collectively, the “Service”).

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

We reserve the right to modify these Terms at any time. We will provide at least thirty (30) days’ advance notice of material changes via email to the address associated with your account and/or a prominent notice within the Service. Your continued use of the Service after the effective date of such modifications constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service before the effective date.

2. Eligibility and Account Registration

2.1 Eligibility

To use the Service, you must meet the following requirements:

• Age: You must be at least 13 years of age to create a consumer account. Users between 13 and 17 years old may use the Service only with verifiable parental or legal guardian consent. You must be at least 18 years of age (or the legal age of majority in your jurisdiction) to create a merchant account, process payments, or enter into binding contractual obligations through the Service.
• Have the legal capacity to enter into a binding contract (or have parental/guardian consent as described above)
• Not be prohibited from using the Service under applicable laws
• For merchants: operate a legitimate business in compliance with all applicable federal, state, and local laws

2.2 Account Registration

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify us immediately at admin@fornaxlink.com of any unauthorized access or security breach

You may not share your account credentials with any third party. If you authorize others to access your account (e.g., team members added through the Service), you remain responsible for their actions.

2.3 Business Verification

Merchants must complete our verification process, which may include:

• Providing valid government-issued identification
• Submitting business registration documents
• Providing tax identification numbers (EIN or equivalent)
• Undergoing identity verification through our payment processing partner (Stripe)

We reserve the right to deny or revoke access if verification requirements are not met or if materially false or misleading information is provided.

3. Description of Services

3.1 Platform Role

Tavvi is a technology platform that connects merchants with consumers and provides tools for business operations. FornaxLink is not a party to any transaction between merchants and consumers. We do not manufacture, store, sell, or fulfill any products or services listed by merchants on the platform. Each merchant is an independent business solely responsible for its own products, services, pricing, quality, and compliance with applicable laws.

3.2 Point-of-Sale Platform

For merchants, the Service provides:

• Transaction processing and payment acceptance (via Stripe)
• Inventory and menu management
• Staff management, scheduling, and time tracking
• Sales analytics and reporting
• Customer relationship management and loyalty programs
• Kitchen display and order management systems
• Receipt generation and printing
• Online ordering and e-commerce capabilities

3.3 Consumer Application

For consumers, the Service provides:

• Store discovery and browsing
• Mobile ordering and payment
• Loyalty programs and rewards points
• Order tracking and history
• Digital receipts and transaction records
• Reviews and ratings

3.4 Service Availability

We target 99.9% uptime but do not guarantee uninterrupted access. We may temporarily suspend the Service for maintenance, updates, or security purposes. We will provide at least 24 hours’ advance notice for scheduled maintenance when possible. Emergency maintenance (security incidents, critical bugs) may occur without advance notice.

4. Payment Terms

4.1 Payment Processing

Payment processing is provided through Stripe, Inc. and its affiliated entities. By using payment features, you agree to:

• Stripe’s Terms of Service and the Stripe Connected Account Agreement
• Applicable card network rules (Visa, Mastercard, American Express, Discover)
• All applicable laws governing electronic payments

FornaxLink is not a payment processor or money transmitter. All payment processing is handled by Stripe.

4.2 Merchant Fees

Merchants agree to pay the following fees:

• Payment processing fees: Stripe’s standard processing rate (currently 2.9% + $0.30 per successful card transaction) applies. Rates are set by Stripe and may change per Stripe’s terms.
• Platform fee: Tavvi does not currently charge a platform fee or subscription fee. If we introduce platform fees in the future, we will provide at least sixty (60) days’ advance written notice.
• Hardware costs: POS terminal hardware, if purchased through us, is billed separately at the prices disclosed at the time of purchase.
• Chargeback fees: Stripe’s standard chargeback fee (currently $15.00 per dispute) applies regardless of dispute outcome.

All fees are non-refundable unless otherwise stated. Current fee details are available during merchant onboarding.

4.3 Payouts

Merchant funds are paid out via Stripe according to the payout schedule configured during onboarding. The default payout schedule is daily with a 2-business-day rolling delay. Merchants may configure weekly or monthly payouts in their account settings. We (or Stripe) may place temporary holds on payouts if:

• Fraud or suspicious activity is detected
• Chargebacks or disputes are pending that exceed your available balance
• Account verification is incomplete or information is outdated
• Legal or regulatory requirements mandate holds (e.g., court orders, law enforcement requests)

If a payout hold is placed, we will notify you within 2 business days with the reason for the hold and estimated resolution timeline, unless prohibited by law.

4.4 Consumer Refunds

Refunds for orders placed through the Service are subject to the individual merchant’s refund policy. When a refund is initiated:

• Refunds are processed back to the original payment method
• Processing time is typically 5–10 business days depending on your bank or card issuer
• If you are unable to resolve a dispute with a merchant directly, you may contact us at admin@fornaxlink.com for assistance
• You retain the right to dispute charges directly with your bank or card issuer at any time

4.5 Merchant Refund Obligations

Merchants are responsible for:

• Establishing and clearly communicating their refund policy to consumers
• Processing legitimate refunds promptly (within 5 business days of approval)
• Responding to chargeback disputes within Stripe’s required timeframes (typically 7–21 days)
• Paying applicable chargeback fees regardless of dispute outcome
• Maintaining a chargeback rate below 1% of total transactions (Stripe’s threshold)

Merchants whose chargeback rate exceeds 1% for two consecutive months may have their account suspended or terminated.

5. Loyalty and Rewards Program

5.1 Program Overview

The Tavvi platform includes a loyalty rewards program that allows consumers to earn points on qualifying purchases and redeem coupons at participating merchants.

5.2 Earning Points

• Points are earned on qualifying purchases at participating merchants at a rate set by each merchant (typically 1–10% of the purchase subtotal)
• Points are awarded after payment is confirmed and the transaction is completed
• Points are earned per merchant or merchant group (HQ) and are not transferable between unrelated merchants
• Refunded transactions will result in the reversal of earned points

5.3 Redeeming Rewards

• When your point balance reaches the merchant’s reward milestone, a coupon is automatically issued to your account
• Coupons have an expiration date (typically 90 days from issuance) and must be used before expiration
• Coupons are redeemable only at the issuing merchant or merchant group
• Coupons have no cash value and cannot be exchanged for cash
• Coupons cannot be combined with other coupons on the same transaction unless the merchant permits it

5.4 Program Changes

Merchants may change their reward rates or milestone thresholds at any time. Such changes apply to future transactions only and do not affect points already earned. FornaxLink may modify or discontinue the rewards program with sixty (60) days’ advance notice. If the program is discontinued, you will have 90 days from the notice date to redeem any outstanding coupons.

5.5 Points Have No Monetary Value

Reward points are not currency, property, or a stored-value instrument. Points have no cash value and do not constitute a financial account. FornaxLink is not a bank, money transmitter, or issuer of stored value. We reserve the right to adjust point balances in the event of system errors, fraud, or abuse.

6. SMS and Communications Consent

6.1 Transactional Communications

By using the Service, you consent to receive transactional communications necessary for the operation of your account, including:

• Account security alerts (password reset, suspicious login)
• Payment confirmations and receipts
• Service disruption notices

These communications are not marketing and cannot be opted out of while you maintain an active account.

6.2 SMS Text Messages

Tavvi offers optional SMS text message notifications for order status updates and account notifications. SMS is opt-in only — we will not send you text messages unless you explicitly consent during account registration or through your notification settings. By opting in, you agree to:

• Receive text messages at the phone number you provide
• Standard message and data rates from your carrier may apply
• Message frequency varies (typically 1–4 messages per order)

You may opt out at any time by replying STOP to any message or by disabling SMS in your notification settings. Reply HELP for assistance. For full details, see our SMS Consent & Compliance page.

6.3 Push Notifications

The Tavvi mobile app may send push notifications for order updates, promotions, and account activity. You can manage push notification preferences in your device settings or within the app at any time.

6.4 Email Communications

We may send you email communications related to your account, orders, and the Service. You may opt out of promotional emails by using the unsubscribe link in any promotional email. Transactional emails (receipts, security alerts) cannot be opted out of.

7. Acceptable Use

7.1 Prohibited Activities

You agree not to use the Service to:

• Violate any applicable laws, regulations, or third-party rights
• Process transactions for illegal goods or services
• Engage in fraud, money laundering, or other financial crimes
• Sell prohibited items including controlled substances, weapons, counterfeit goods, or age-restricted products without proper verification and licensing
• Interfere with or disrupt the Service, servers, or networks
• Attempt to gain unauthorized access to any systems, accounts, or data
• Transmit malware, viruses, or other harmful code
• Harass, abuse, threaten, or harm other users
• Impersonate others or misrepresent your affiliation
• Scrape, harvest, or collect data from the Service without written authorization
• Circumvent or manipulate fees, billing, or payment systems
• Use the Service for any purpose that competes with FornaxLink

7.2 Prohibited Business Types

The following business types are prohibited from using the Service:

• Illegal gambling or unlicensed gaming operations
• Adult content or services
• Unlicensed pharmaceutical or drug sales
• Multi-level marketing or pyramid schemes
• Weapons, ammunition, or explosives sales
• Counterfeit or stolen goods
• Businesses or individuals on OFAC sanctions lists
• High-risk categories as determined by Stripe or applicable card networks

7.3 Compliance

You are solely responsible for ensuring your use of the Service complies with all applicable laws, including but not limited to:

• Tax collection and remittance obligations
• Consumer protection laws
• Data protection and privacy regulations (CCPA, GDPR if applicable)
• Industry-specific regulations (food safety, alcohol licensing, health department permits, etc.)
• Employment and labor laws (for team member features)
• PCI DSS compliance for handling card data

8. Intellectual Property

8.1 Our Intellectual Property

The Service and its original content, features, and functionality are owned by FornaxLink and are protected by copyright, trademark, patent, and other intellectual property laws. This includes:

• The Tavvi and FornaxLink names, logos, and branding
• Software, source code, and technical implementations
• User interface designs and visual elements
• Documentation and written content
• Algorithms, data models, and system architecture

8.2 License Grant

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for its intended purposes during the term of your account. This license does not include the right to:

• Modify, adapt, or create derivative works based on the Service
• Reverse engineer, decompile, or disassemble the Service
• Remove any copyright, trademark, or other proprietary notices
• Transfer or sublicense your rights to any third party
• Use the Service to build a competing product or service

8.3 Your Content

You retain full ownership of content you submit through the Service (product images, menu descriptions, business information, reviews). By submitting content, you grant us a limited, non-exclusive, royalty-free license to use, display, reproduce, and distribute such content solely as necessary to provide and promote the Service. This license terminates when you delete the content or close your account, except where the content has been shared with or relied upon by other users (e.g., published reviews).

You represent and warrant that you own or have the necessary rights to all content you submit, and that such content does not infringe any third-party rights.

9. Reviews and User-Generated Content

9.1 Reviews

Consumers may submit reviews and ratings for merchants and products. By submitting a review, you agree that:

• Your review reflects your genuine, first-hand experience
• You will not submit fake, misleading, or incentivized reviews
• You will not include personal information of others, hate speech, or illegal content
• FornaxLink may (but is not obligated to) moderate, remove, or edit reviews that violate these Terms

9.2 Merchant Responses

Merchants may respond to reviews publicly. Merchant responses must be professional, factual, and must not include personal attacks, threats, or confidential customer information.

10. Merchant Data Rights

10.1 Your Business Data

Merchants retain ownership of their business data, including customer lists, transaction records, sales reports, and menu/inventory data (collectively, “Merchant Data”). We process Merchant Data solely to provide the Service.

10.2 Data Export and Portability

Merchants may export their data at any time through the following methods:

• Sales reports: CSV export available in the POS app under Reports
• Transaction history: Exportable via the journal and batch reports
• Customer data: Available upon request to admin@fornaxlink.com

Upon account termination, we will make Merchant Data available for export for thirty (30) days following the termination date. After this period, Merchant Data will be deleted in accordance with our data retention policy, except where retention is required by law (e.g., tax records).

10.3 Data Processing

We may use aggregated, anonymized Merchant Data (from which individual merchants cannot be identified) for analytics, benchmarking, and Service improvement. We will never sell or share identifiable Merchant Data with third parties except as necessary to provide the Service (e.g., sharing transaction data with Stripe for payment processing).

11. Disclaimers

11.1 Service Provided “As Is”

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11.2 No Guarantee of Results

We do not warrant that:

• The Service will meet your specific requirements or expectations
• The Service will be uninterrupted, timely, secure, or error-free
• Results obtained from using the Service will be accurate or reliable
• Any errors in the Service will be corrected within a specific timeframe

11.3 Third-Party Services

We are not responsible for any third-party services integrated with or used alongside the Service, including Stripe (payment processing), Twilio (SMS), Resend (email), or hardware manufacturers. Your use of third-party services is governed by their respective terms and policies.

11.4 Merchant Products and Services

FornaxLink does not endorse, warrant, or guarantee any products or services offered by merchants on the platform. We are not responsible for the quality, safety, legality, or accuracy of any merchant’s offerings. Any disputes regarding merchant products or services are between you and the merchant.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• FORNAXLINK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
• WE ARE NOT LIABLE FOR LOSSES RESULTING FROM: (I) UNAUTHORIZED ACCESS TO YOUR ACCOUNT DUE TO YOUR FAILURE TO SECURE YOUR CREDENTIALS, (II) THE QUALITY, SAFETY, OR LEGALITY OF MERCHANT PRODUCTS OR SERVICES, (III) ACTS OR OMISSIONS OF THIRD-PARTY SERVICE PROVIDERS, OR (IV) CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

NOTHING IN THESE TERMS LIMITS LIABILITY FOR: (A) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, (B) FRAUD OR FRAUDULENT MISREPRESENTATION, OR (C) ANY LIABILITY THAT CANNOT BE LAWFULLY EXCLUDED.

13. Indemnification

You agree to indemnify, defend, and hold harmless FornaxLink, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

• Your use of or inability to use the Service
• Your violation of these Terms or any applicable law
• Your violation of any third-party rights (including intellectual property rights)
• Content you submit through the Service
• Products or services you sell or purchase through the Service
• Any dispute between you and another user of the Service
• Your tax obligations or failure to comply with applicable tax laws

We will provide you with prompt written notice of any such claim and will reasonably cooperate with your defense. You may not settle any claim without our prior written consent if the settlement would impose obligations on us.

14. Termination

14.1 Termination by You

You may terminate your account at any time through your account settings or by contacting us at admin@fornaxlink.com. Upon termination:

• Your access to the Service will be revoked after any wind-down period
• Outstanding transactions will be processed to completion
• Final payouts will be made according to the standard payout schedule (including any pending amounts)
• Merchants will have 30 days to export their data (see Section 10.2)
• Unredeemed reward points and coupons will expire 90 days after termination
• Some information may be retained as required by law or for legitimate business purposes (see our Privacy Policy)

14.2 Termination by Us

For cause (immediate): We may suspend or terminate your access immediately, without prior notice, if:

• You engage in fraud, illegal activity, or conduct that poses a security risk
• We detect money laundering or other financial crimes
• Required by law, regulation, or a court order
• Your chargeback rate exceeds 1% for two consecutive months
• You materially breach these Terms and fail to cure within a reasonable period

Without cause: We may terminate your account for any reason with thirty (30) days’ advance written notice to the email address on your account. During this notice period, you will retain full access to the Service and may export your data.

14.3 Effect of Termination

Upon termination, all licenses granted to you under these Terms terminate immediately. The following sections survive termination: Intellectual Property (Section 8), Your Content (Section 8.3), Merchant Data Rights (Section 10), Disclaimers (Section 11), Limitation of Liability (Section 12), Indemnification (Section 13), Dispute Resolution (Section 15), and any other provisions that by their nature should survive.

15. Dispute Resolution

15.1 Informal Resolution

Before initiating formal dispute resolution, you agree to contact us at admin@fornaxlink.com to attempt informal resolution. We will acknowledge your complaint within 5 business days. Both parties agree to negotiate in good faith for at least thirty (30) days before initiating arbitration. Most disputes can be resolved through direct communication.

15.2 Binding Arbitration

If informal resolution is unsuccessful after 30 days, any dispute, claim, or controversy arising from or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (for consumer disputes) or Commercial Arbitration Rules (for merchant disputes).

• Venue: Arbitration will take place in Fulton County, Georgia, or at another mutually agreed location. Virtual/telephonic hearings are available at either party’s request for claims under $25,000.
• The arbitration will be conducted in English
• The arbitrator’s decision will be final and binding, and judgment may be entered in any court of competent jurisdiction
• Fees: For claims under $10,000, FornaxLink will pay all AAA filing and arbitrator fees. For claims over $10,000, fees will be allocated per the applicable AAA rules. Each party bears its own attorneys’ fees unless the arbitrator determines that a party’s claims or defenses were frivolous.

15.3 Arbitration Opt-Out

You have the right to opt out of this arbitration agreement. To opt out, you must send written notice to admin@fornaxlink.com with the subject line “Arbitration Opt-Out” within thirty (30) days of first accepting these Terms (i.e., within 30 days of creating your account). Your notice must include your full name, account email address, and a clear statement that you wish to opt out of the arbitration provision. Opting out will not affect any other provision of these Terms.

15.4 Class Action Waiver

YOU AND FORNAXLINK AGREE THAT ANY DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

15.5 Exceptions to Arbitration

This arbitration agreement does not apply to:

• Claims for injunctive or equitable relief to prevent intellectual property infringement or misappropriation
• Actions in small claims court, provided the claim falls within the court’s jurisdictional limits and remains on an individual basis
• Disputes where arbitration is prohibited by applicable law
• Claims by either party related to physical safety or bodily harm

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Fulton County, Georgia. Both parties consent to the personal jurisdiction of such courts.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, SMS Consent & Compliance page, and any other policies expressly incorporated by reference, constitute the entire agreement between you and FornaxLink regarding the Service and supersede all prior agreements, understandings, and communications.

17.2 Severability

If any provision of these Terms is found by a court or arbitrator to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

17.3 Waiver

Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision. Any waiver must be in writing and signed by FornaxLink to be effective.

17.4 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations under these Terms without restriction in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, provided that the assignee agrees to be bound by these Terms.

17.5 Force Majeure

Neither party shall be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to natural disasters, war, terrorism, epidemics or pandemics, labor disputes, government actions, internet or telecommunications failures, or infrastructure failures. The affected party must provide prompt notice and use reasonable efforts to mitigate the impact.

17.6 Notices

We will send notices to you via the email address associated with your account, through the Service, or by posting on our website. Notices are deemed received when sent by email (at the time of sending) or when posted on the website. You may send legal notices to us at the address below.

17.7 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

17.8 No Third-Party Beneficiaries

These Terms do not confer any rights on any third party. Only you and FornaxLink have the right to enforce these Terms.

18. Contact Information

For questions about these Terms or the Service, please contact us: