Terms of Use

Last updated: 2026

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the website located at https://www.finnovapayments.com (the "Site"), including all related subpages, and any services made available through the Site (the "Services"), which are operated by FinNova Payments Ltd ("FinNova").

By accessing or using the Site, you acknowledge that you have read, understood, and agreed to be bound by these Terms.

If you are an individual, you represent and warrant that you are at least eighteen (18) years of age and legally capable of entering into binding agreements under applicable law. If you access or use the Services on behalf of a company, partnership, association, governmental body, or other organization, you represent and warrant that such entity is duly organized, validly existing, and legally operating in the relevant jurisdiction, and that you are duly authorized to bind such entity to these Terms. In such cases, references to "you" or "user" shall include the relevant organization.

FinNova reserves the right to amend, modify, or update these Terms at any time by publishing the revised version on the Site. Any such amendments shall become effective immediately upon publication. Your continued access to or use of the Site following any update constitutes your acceptance of the revised Terms.

2. Your Use of the Site

You may use the Services solely for the purpose of facilitating payments related to lawful purchases of products or services through e-commerce websites, applications, or other digital platforms.

For the avoidance of doubt, FinNova does not itself provide regulated payment services to users. FinNova provides technical connectivity and settlement services to facilitate payments between merchants and third-party payment processors. FinNova is not a bank, money transmitter, or money services business and does not accept deposits or hold customer funds.

3. Prohibited Activities

You agree not to:

  • Use the Site or Services for any illegal, fraudulent, or unauthorized purpose
  • Violate any applicable laws, regulations, or third-party rights
  • Attempt to gain unauthorized access to any systems, networks, or data
  • Interfere with or disrupt the integrity or performance of the Site
  • Use automated tools to scrape, harvest, or extract data from the Site
  • Transmit any viruses, malware, or other malicious code

4. Intellectual Property

All content, materials, and intellectual property on the Site, including but not limited to text, graphics, logos, images, software, and trademarks, are owned by or licensed to FinNova and are protected by applicable intellectual property laws.

5. Disclaimer of Warranties

THE SITE AND SERVICES ARE 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, AND NON-INFRINGEMENT.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINNova SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES.

7. Indemnification

You agree to indemnify, defend, and hold harmless FinNova and its affiliates from any claims, damages, losses, or expenses arising out of your violation of these Terms or your use of the Site.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.

9. Contact Information

If you have any questions about these Terms, please contact us at info@finnovapayments.com.