Ganavo Terms of Service

Version 1.7 · Effective date: July 29, 2026 · Last updated: July 29, 2026

These Terms of Service (the "Terms") are a binding agreement between you and Ganavo. By creating an account or using the App, you agree to these Terms. Please also read our Privacy Policy, which explains what we collect and why.

1. Who we are & what this is

Ganavo ("Ganavo", "we", "us", the "App") is a software toolset for independent workers, service providers, and small businesses — contractors, cleaners, lawyers, bakers, consultants, designers, tutors, and anyone who works for themselves — to create quotes and invoices, capture jobs by voice, share documents with their clients, and collect client acceptance. We provide tools. We are not a party to any agreement, job, quote, invoice, or payment between you and your clients (or between providers and consumers who meet through the Directory). We are not your employer, agent, partner, or joint venturer, and we do not guarantee any outcome, transaction, or payment.

Ganavo is operated by Ganavo LLC, a limited liability company organized under the laws of the Commonwealth of Massachusetts, United States. Ganavo LLC assumed these Terms from the prior operator (Doug Marcelino, doing business as "Ganavo") — your rights and obligations did not otherwise change. If the business entity operating Ganavo changes again, we will update this paragraph and the updated entity will assume these Terms.

2. Eligibility

You must be 18 or older, located in the United States, and able to form a binding contract. By using the App you represent that you meet these requirements.

3. Your account

• The App may create an anonymous account so you can start immediately; you may optionally add a backup email (and, for some features, verify a phone number) to recover and secure your data.
• You are responsible for activity under your account and for keeping access credentials secure.
• One account per person. Do not sell, share, or transfer your account.
• You may delete your account in the App at any time (Section 13).

4. Plans, subscriptions & billing

Ganavo offers one free plan and two auto-renewing subscriptions. Current pricing (in U.S. dollars):

• Free — browse the full public Directory (businesses, job posts, and contact information) at no cost, plus a limited starter allowance (currently 3 quotes, 3 quote sends, and 3 invoices, lifetime), with voice-AI quoting included within that allowance. The Free plan does not include a public business page.
• Business — $4.99/month — everything in Free, plus your public business page in the Directory so new customers can find you. The Free-plan starter allowance still applies; higher (currently unlimited) usage limits are part of Pro.
• Pro — $29.99/month — everything in Business, plus unlimited voice-to-quote (AI), card payments, deposit and recurring invoices, and higher (currently unlimited) usage limits for quotes, sends, and invoices, subject to the limits shown in the App.

Additional terms:

• Free trials & introductory offers. A paid plan may include a free trial or an introductory period (for example, a free trial on Pro or initial free months on Business), as shown in the App at the point of purchase. When a trial or introductory period ends, the subscription converts to a paid subscription at the displayed price unless you cancel at least 24 hours before it ends; the App aims to remind you before a free trial converts, but the store's own terms govern billing. The Free plan itself is free for as long as you use it, within its limits.
• Billing & auto-renewal. Subscriptions are purchased as in-app purchases and billed to your Apple App Store or Google Play account. Your subscription renews automatically for the same period unless you cancel at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time in your App Store or Google Play account settings; deleting the App does not cancel a subscription.
• Refunds for in-app purchases are handled by Apple or Google under their respective store policies.
• Prices are subject to change; the Free plan stays free. We may change subscription prices, introductory offers, or plan limits going forward; we will give notice in-App (and by email where available) before a change affects an active subscription, and the store's consent mechanics will apply. We may adjust the Free plan's limits, but we will not start charging for the Free plan itself — browsing the Directory and the starter allowance remain free.
• Feature availability per plan is described in the App at the point of purchase; where this section and the in-App purchase screen differ, the purchase screen controls for that purchase.

5. The tools (quotes, invoices, clients, voice AI)

• Your business records are yours. Your clients, quotes, and invoices are private to your account and are not shared with other users. We access them only to provide and secure the service.
• Voice & AI features. Within your plan's limits you can dictate a job and the App uses AI to transcribe and draft a structured quote, and to translate quotes. AI output may be wrong or incomplete. Every AI-generated quote shows a mandatory "review before sending" notice; you are responsible for reviewing and correcting any document before you send it. We do not warrant AI accuracy. How voice, transcripts, and text are processed and retained is described in the Privacy Policy.
• Usage limits. AI features and the Free plan's document allowance are subject to the limits of your plan, shown in the App (Section 4).

6. Client quote links, acceptance & electronic signature

• The App can generate a link to a quote that you send to your client. Your client can view the quote and Accept or Decline it from that link.
• Electronic acceptance. When your client accepts, the App records the client's typed name, a drawn signature, and the date/time as the client's electronic acceptance of that quote. Using the acceptance feature — and, for a recipient, viewing or accepting a quote through the link — is offered on the condition that you and your client agree to the acceptance terms and to transact this business electronically, and agree that these electronic records and signatures may be used in connection with the underlying agreement.
• The agreement is between you and your client. Ganavo provides the tool used to review and sign the quote and is not a party to your agreement, and makes no representation about the legal enforceability of any particular quote, signature, or agreement.
• Agreement wording is a template, not legal advice. The App can include standard plain-language agreement wording on your documents (for example, that you will perform the work described and that your client agrees to pay per the listed terms), populated from what you entered. This wording is a general template provided as a drafting tool — it is not legal advice, may not fit your situation, and you are responsible for the contents of the documents you send. Have your own counsel review anything you rely on.
• Ganavo is a conduit. We pass the quote and the acceptance record between you and your client. We have no duty to verify or authenticate the identity of any signer, and no duty to preserve or produce these records beyond the retention of your account (see the Privacy Policy). Keep your own copies of anything you may need.
• The link is a bearer link. Anyone who has the link can view and respond to that quote. You are responsible for directing the link to your intended recipient and for keeping it from anyone else.

7. Payments happen between you and your client

Any payment, deposit, schedule, contract, warranty, or dispute relating to your work is strictly between you and your client. Where in-app card payments are offered, they are processed by Stripe (via Stripe Connect): you — the service provider — are the merchant of record, payments flow from your client to you, and Ganavo never holds, controls, or takes custody of your funds. Stripe's own terms (including the Stripe Connected Account Agreement) apply to your use of those payment features. Ganavo is not a bank, money transmitter, or payment processor, and is not a party to payment disputes, refunds, or chargebacks between you, your client, and Stripe. As between you and Ganavo, you solely bear all refunds, chargebacks, reversals, and processor fees, and Ganavo has no obligation to mediate, advance, reimburse, or fund any payment dispute. Ganavo is not liable for the acts, omissions, holds, delays, or availability of Stripe or any other payment processor. Your client's card details are entered on Stripe's hosted payment page and go directly to Stripe; Ganavo never receives or stores card numbers.

Cash-discount (dual) pricing. The App lets you offer your clients a discount for paying by cash or check: you set the discount percentage, the document's listed total reflects the card price, and the available cash discount is disclosed on the document your client sees. This is structured as a cash discount off the listed card price — not a surcharge added at payment. You set your own prices and discount, and you are solely responsible for compliance with the pricing, disclosure, and tax laws that apply to your business and where you work.

Pricing tools. The App also offers optional pricing tools — for example, an automatic price-adjustment option that grosses your entered amounts up so your listed price covers your payment-processing costs. These tools only perform arithmetic on amounts you choose: you set your own prices, the adjusted price is your single listed price for all payment methods, and you remain solely responsible for your pricing and its compliance with the laws that apply to you.

Processing costs, including the platform fee. As between you and Ganavo, you bear the costs of card processing. These consist of Stripe's processing fees plus a Ganavo platform fee (currently 0.6% of the card transaction amount) collected as part of processing when a client pays by card. Current amounts and any changes are shown in the App; the free plan stays free.

8. Your content & license to operate the service

You own the content you put into the App (business info, logo, quote/invoice text, photos, client details). You grant us a limited license to host, store, process, transmit, translate, and display that content solely to provide the service to you (for example, rendering your quote to your client, transcribing your voice note, or showing your public business page you chose to publish). You represent that you have the rights to the content you upload, including any photos, and that it does not infringe others' rights or violate law.

9. Acceptable use

Do not: (a) use the App for unlawful, fraudulent, infringing, harassing, or deceptive purposes; (b) upload content you lack rights to; (c) impersonate a person or business; (d) attempt to breach security, access other users' data, scrape, or circumvent rate limits or moderation; (e) misuse the AI features to generate unlawful content; or (f) use the client-link/acceptance feature to misrepresent what a client agreed to.

10. The Directory & public business pages

The Ganavo Directory is a public listing of business pages published by Business and Pro subscribers. Anyone can browse the Directory for free. If you publish a public business page:

• You list your own business (as owner or authorized staff) with truthful information; regulated trades must hold required licenses. We do not verify licenses, insurance, or identity of any listed business, and you attest to the accuracy of your own listing. Consumers: performing your own diligence before hiring any business is your responsibility.
• Browsing is anonymous; contact between consumers and providers happens off-platform (call, message, email, external links). We are not part of those interactions. There is no in-app messaging.
• Photos & links on a listing. A listing may include a profile picture, work photos, and links to a website or social media. You must have the rights to any photo you upload (Section 8), and links must point to your own or your business's pages. Links open third-party sites we don't control; we may scan them for safety but do not endorse or guarantee them, and a warning may be shown before you leave Ganavo. Following an external link is at your own risk.
• Hiring posts are a bulletin board only. A listing may flag that the business is hiring and describe open roles. Ganavo only displays these posts: we do not participate in, verify, or mediate employment applications, we are not an employment agency or recruiter, and any application, hiring decision, or employment relationship is strictly between the applicant and the business, off-platform. We make no representation about any job post, applicant, or employer.
• Location you share for a listing is a city/county-level area, never a street address (unless you choose to publish a business address on your page), and consumer location is used only for a one-time search, never tracked or stored as history (see Privacy Policy).
• Ranking of Directory results is by distance and profile activity/completeness. There is no paid placement.

11. Moderation, reporting & enforcement (Directory content)

• We may screen listing content. We may use automated screening and human review to check listing content (text and photos) when you create or edit it. We have the right, but no obligation, to do so, and we do not guarantee that we will review any particular content (Section 19).
• Anti-abuse limits. Listing saves may be rate-limited to prevent automated abuse (for example, a cap on saves per hour). Ordinary content edits are otherwise unlimited, and photos and your public/hiring toggles can be changed anytime. Each edit may be screened the same way.
• Reporting. Anyone can report a listing — in the App (the "Report listing" option on any public page, which asks you to explain the problem in your own words) or by email to support@ganavo.app (including a "this is my business" impersonation claim). Every report is reviewed by a person; reports flag the listing for review but do not, by themselves, remove anything automatically.
• A listing removal or ban affects your PUBLIC LISTING only. It does NOT delete or lock your account or your business records — your quotes, invoices, and clients remain yours.
• Enforcement. If listing content violates these Terms (including the prohibited categories in Section 12), we may — at our sole discretion, with or without prior notice — remove the content, unpublish or remove the listing, and/or terminate the offending account where the violation is serious or repeated (e.g., fraud, illegal content, repeat infringement, safety risk). No refund of subscription fees or other amounts is owed for any period during which content was removed, a listing was unpublished, or an account was terminated for a violation. We may also remove content or suspend access to comply with law, protect users, or enforce these Terms.

12. Prohibited content & third-party links

The following content is prohibited on public listings (business pages, photos, descriptions, and hiring posts):

• Explicit nudity or sexual content of any kind, including sexual services;
• Unlawful activity — services or offers that are illegal where offered, including operating a regulated trade without a required license (for example, soliciting rideshare/TNC pickups outside a licensed platform);
• Harassment or hate — content that harasses, threatens, or demeans a person or group;
• Deceptive claims — impersonating another person or business, fake credentials or reviews, or materially misleading offers.

Violations are enforced under Section 11: content removal, listing removal, and/or account termination at our discretion, without refund. External links you post or tap open third-party sites we don't control; we may scan links for safety but do not guarantee them. Following an external link is at your own risk.

13. Account deletion

You can delete your account in the App. Deleting removes your profile and, if present, your public listing and business records, subject to limited retention required by law, accounting, or for security/anti-abuse (see the Privacy Policy for details).

14. Disclaimers

THE APP AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant AI output, the accuracy or legality of any listing or job post, the identity/licensing/insurance of any business, or that the service will be uninterrupted or error-free. Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.

15. Not professional advice

The App, its document templates, and any AI-generated output (including quotes, invoices, translations, and pricing suggestions) are informational tools only. They are not legal, tax, accounting, licensing, financial, or other professional advice, and using them does not create any professional or advisory relationship with Ganavo. You are solely responsible for confirming that your prices, cash-discount disclosures (Section 7), invoices, taxes, and your compliance with the licensing and regulatory requirements that apply to your business and where you work are correct and lawful. Consult a qualified professional where you need advice for your situation.

16. Limitation of liability

To the maximum extent permitted by law, and regardless of the legal theory (contract, warranty, tort, negligence, strict liability, statute, or otherwise) and even if Ganavo has been advised of the possibility of the damages, Ganavo will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, goodwill, or the cost of procuring substitute goods or services. To the maximum extent permitted by law, our total liability for all claims relating to the App will not exceed the greater of $100 or the amounts you paid us in the 12 months before the claim arose. These limitations apply notwithstanding the failure of any essential purpose of any limited remedy.

Time to bring a claim. Any claim relating to the App must be filed within one (1) year after the claim first arose; otherwise it is permanently barred, to the extent applicable law allows a shortened limitations period.

Your non-waivable rights are preserved. Nothing in these Terms limits or excludes any liability or right that cannot be limited or excluded under applicable law — including rights under the Massachusetts Consumer Protection Act (M.G.L. c. 93A). Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you, and this section applies only to the fullest extent the law permits.

17. Indemnification

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless Ganavo (and its owner, operators, and service providers) from and against any third-party claim, demand, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or relating to:

• your content, listings, photos, or business page (including any claim that they are infringing, defamatory, deceptive, or unlawful);
• your job or hiring posts, and any application, hiring decision, employment relationship, or employment-related claim connected to them;
• your quotes, invoices, contracts, deposits, payments, or disputes with your clients, including refunds, chargebacks, and reversals (Section 7);
• your prices, cash-discount disclosures, taxes, and your licensing or regulatory compliance (Sections 7 and 15);
• your use or misuse of the App, including the client-link and acceptance feature (Section 6); or
• your breach of these Terms or of any applicable law or third-party right.

We may take over the defense of any matter subject to indemnification at our option, and you will cooperate; you will not settle any matter in a way that imposes any obligation or admission on Ganavo without our prior written consent. Consistent with Section 21 (governing law, arbitration & class-action waiver), any indemnification claim is resolved on an individual (non-class) basis.

18. Third-party content & responsibility

The App may host content provided by users (listings, job posts, quote content). Users are responsible for the content they provide. We are not responsible for the conduct of, or agreements between, users, service providers, applicants, and their clients.

19. Our role in user content

Ganavo is an interactive computer service provider. Listings, job posts, photos, quote content, and other material come from users, and we are not the publisher or speaker of that user content. We have the right, but no obligation, to monitor, screen, review, or remove any user content, and we may do so — or decline to — in our sole discretion (Section 11). Any screening we do is a reserved right exercised at our discretion; it is not a promise to screen, does not make us responsible for user content, and does not create any duty to any user or third party. This section is intended to be consistent with Section 230 of the Communications Decency Act (47 U.S.C. § 230).

20. Copyright complaints (DMCA)

We respect intellectual-property rights and expect users to do the same (Sections 8–9). Our designated agent for copyright notices under 17 U.S.C. § 512(c) is Ganavo LLC, registered with the U.S. Copyright Office and reachable at support@ganavo.app. If you believe content on Ganavo (for example, a photo on a Directory listing) infringes your copyright, send a notice to that address including: (1) identification of the copyrighted work; (2) the URL or location of the allegedly infringing material; (3) your name and contact information; (4) a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; (5) a statement, under penalty of perjury, that the notice is accurate and that you are the owner or authorized to act for the owner; and (6) your physical or electronic signature. We will remove or disable access to material identified in a valid notice and notify the user who posted it. If your content was removed and you believe that was a mistake or misidentification, you may send a counter-notice with the corresponding information required by the DMCA, and we will process it as the DMCA provides. We terminate the accounts of repeat infringers in appropriate circumstances.

21. Governing law, arbitration & class-action waiver

Please read this section carefully — it affects your rights, including your right to sue in court and to participate in a class action.

• Governing law. These Terms are governed by the laws of the Commonwealth of Massachusetts and, for the arbitration agreement below, the Federal Arbitration Act, without regard to conflict-of-laws rules.
• Talk to us first. Before starting any formal proceeding, email support@ganavo.app with a description of the dispute and how you'd like it resolved; we will try to resolve it informally. If we haven't resolved it within 30 days, either party may proceed as set out below. Most issues are resolved quickly and informally.
• Binding individual arbitration. Any dispute arising out of or relating to these Terms or the App that is not resolved informally will be resolved by binding arbitration on an individual basis, administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted in English, on the basis of written submissions or by videoconference where the rules allow; any in-person hearing will take place in Massachusetts or the county where you live, at your election. The arbitrator can award the same relief to you individually that a court could.
• Exceptions. Either party may instead (a) bring an individual claim in small-claims court, or (b) seek injunctive or other equitable relief in court for actual or threatened infringement or misuse of intellectual property, or unauthorized access to or abuse of the service.
• Class-action waiver. Disputes are resolved on an individual basis only. Neither you nor Ganavo may participate in a class, consolidated, or representative action, or class-wide arbitration. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court rather than in arbitration.
• Courts & jury waiver. For anything not subject to arbitration, disputes will be brought exclusively in the state or federal courts located in Massachusetts; both parties consent to their jurisdiction and, to the extent permitted by law, waive a jury trial.
• 30-day opt-out. You may opt out of this arbitration agreement (and keep your right to go to court) by emailing support@ganavo.app within 30 days of first accepting these Terms, stating your account email or identifier and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

22. Changes to these Terms

We may update these Terms; we will post the updated version with a new "Last updated" date and, for material changes, provide notice in-App (and by email where available). Continued use after changes take effect means you accept them.

23. Contact

Questions about these Terms: support@ganavo.app

These Terms are published in English. Translations may be provided for convenience; the English version controls.