Legal
Terms of Service
Effective Date: September 12, 2026
Last Updated: September 12, 2026
Welcome to Truvora (“Truvora,” “we,” “us,” or “our”), a payment processing platform owned and operated by Toxic AI Labs, LLC, a Nevada limited liability company (“Company”). Truvora® is a registered trademark of Toxic AI Labs, LLC.
These Terms of Service (“Terms”) govern access to and use of the Truvora website, dashboards, APIs, SDKs, and related services (collectively, the “Platform”). By creating an account, accessing, or using the Platform, you (“User,” “you,” or “your”) agree to be bound by these Terms. If you do not agree, do not access or use the Platform.
Nature of the Service
Truvora provides software that orchestrates, routes, and manages payment transactions across third-party payment processors, gateways, and acquiring banks selected by you or connected to your account.
Truvora is a technology provider only. Truvora does not act as, and is not:
- an Independent Sales Organization (ISO) or payment facilitator;
- a payment gateway;
- an acquiring bank, issuing bank, or member bank;
- a money transmitter; or
- a party to any agreement between you and any payment processor, gateway, acquiring bank, or financial institution.
Your relationship with each underlying processor, gateway, or acquiring bank is governed solely by your separate, direct agreement with that party. Truvora has no control over, and no responsibility for, the acts, omissions, solvency, pricing, uptime, or terms of any third-party financial service provider accessed through the Platform.
Eligibility and Accounts
You must be at least 18 years old and able to form a binding contract to use the Platform. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current information and to promptly update it as needed.
User Responsibilities
You are solely responsible for your use of the Platform, including all transactions you initiate, route, configure, or process through it. You agree to:
- comply with all applicable laws and regulations, including anti-money laundering laws, sanctions laws, and consumer protection laws;
- comply with the operating rules of any payment card network (e.g., Visa, Mastercard, American Express, Discover) applicable to your transactions;
- independently maintain any compliance obligations applicable to your business, including PCI DSS, in connection with any processor, gateway, or bank you connect through the Platform;
- use the Platform only for lawful business purposes and not to process transactions you know or suspect to be fraudulent, unauthorized, or prohibited; and
- maintain your own agreements, licenses, and registrations required to accept payments in the jurisdictions where you operate.
You assume full responsibility and liability for your own use of the Platform, including any losses, disputes, chargebacks, fraud, regulatory inquiries, or third-party claims arising from your transactions or your relationships with processors, gateways, or acquiring banks. Nothing in this section limits liability that cannot be limited under applicable law.
No Responsibility for Users' Unlawful Use of the Platform
Truvora is a technology platform that enables businesses to route and manage payment transactions; we do not control, and cannot review, every transaction routed through the Platform. Company takes reasonable efforts to monitor, detect, and prevent fraudulent or unlawful use of the Platform, including transaction monitoring, screening tools, and account review processes. However, Company cannot guarantee that all fraudulent, unauthorized, or unlawful activity will be detected or prevented.
Except for Company's own fraud or violation of applicable law (see Section 8(c)), Company assumes no responsibility or liability for a User's use of the Platform to violate applicable law, process unauthorized or fraudulent transactions, or otherwise engage in unlawful activity, provided Company has made the reasonable efforts described in this Section. Users are solely and fully responsible for ensuring their own compliance with applicable law and bear sole liability for any unlawful use of the Platform, including under Section 9 (Indemnification).
Fees
Fees for use of the Platform are set out in your order form, pricing schedule, or account dashboard, and are incorporated into these Terms by reference. Fees charged by third-party processors, gateways, or acquiring banks are separate and are your responsibility under your agreements with those parties.
Intellectual Property
Truvora, the Truvora name and logo, and all associated marks are trademarks of Toxic AI Labs, LLC. You may not use these marks without our prior written consent. All other intellectual property in the Platform, including software, documentation, and content, is owned by Company or its licensors and is protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your internal business purposes, subject to these Terms.
Data Use
Our collection, use, and disclosure of information, including our use of certain data to train and improve our AI models, for marketing purposes, and for sharing with select partners, is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you acknowledge that Privacy Policy.
Disclaimer of Warranties
THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, AND WE DO NOT WARRANT THE PERFORMANCE, AVAILABILITY, ACCURACY, OR SECURITY OF ANY THIRD-PARTY PROCESSOR, GATEWAY, OR ACQUIRING BANK ACCESSED THROUGH THE PLATFORM.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
(a) IN NO EVENT WILL COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THE PLATFORM, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
(b) COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM WILL NOT EXCEED THE GREATER OF (I) THE FEES PAID BY YOU TO COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) ONE HUNDRED U.S. DOLLARS ($100).
(c) Nothing in these Terms limits or excludes liability for Company's own fraud, or Company's violation of applicable law, or any other liability that cannot lawfully be limited or excluded under applicable law.
Indemnification
You agree to indemnify, defend, and hold harmless Company and its officers, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use of the Platform; (b) your breach of these Terms or violation of applicable law; (c) any transaction, chargeback, dispute, or claim involving you, your customers, or any processor, gateway, or acquiring bank; or (d) your negligence, misconduct, or violation of any third party's rights.
Dispute Resolution; Arbitration Agreement; Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY, IT AFFECTS YOUR LEGAL RIGHTS.
(a) Binding Arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform will be resolved exclusively through final and binding arbitration administered by JAMS under its applicable rules then in effect, seated in Orange County, California.
(b) Class Action Waiver. All disputes must be brought on an individual basis. Neither party may bring or participate in a class, collective, consolidated, or representative action.
(c) Carve-Outs. Either party may bring an individual claim in small claims court. Company may additionally seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property, confidential information, or the security and integrity of the Platform.
(d) Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to legal@toxicailabs.com within thirty (30) days of first accepting these Terms.
Governing Law; Venue
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Subject to Section 10, the state and federal courts located in Orange County, California will have exclusive jurisdiction over any dispute not subject to arbitration.
Termination
We may suspend or terminate your access to the Platform at any time, with or without cause or notice, including for suspected violation of these Terms, suspected fraud, or risk to the security or integrity of the Platform. You may stop using the Platform at any time. Sections that by their nature should survive termination (including Sections 5, 6, 7, 8, 9, 10, 11, and 14) will survive.
Changes to These Terms
We may modify these Terms from time to time. We will post the updated Terms with a new “Last Updated” date and, where required by law, provide additional notice. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms.
Miscellaneous
Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
Entire Agreement. These Terms, together with the Privacy Policy and any order forms, constitute the entire agreement between you and Company regarding the Platform.
No Waiver. Company's failure to enforce any provision is not a waiver of its right to do so later.
Assignment. You may not assign these Terms without our prior written consent; Company may assign these Terms freely.
Force Majeure. Company is not liable for any failure or delay caused by events beyond its reasonable control.