Ganavo Terms of Service

Version 1.12 · Effective date: October 7, 2026 · Last updated: October 7, 2026

These Terms of Service (the "Terms") are a binding agreement between you and GANAVO LLC, a Massachusetts limited liability company ("Ganavo", "we", "us"). By creating an account or using the Services (defined in Section 1), 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

The Ganavo app (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.

The Services. The "Services" are the App together with our website, ganavo.app, including the desktop app at ganavo.app/dashboard, website sign-up and checkout, the public business pages (ganavo.app/p/…), and the pages your clients use to view, accept, sign, decline, or pay for a document (ganavo.app/q/…). "App" means the phone app; everything these Terms say about your use of the App applies to all of the Services.

GANAVO LLC is organized under the laws of the Commonwealth of Massachusetts, United States, and operates the Services. 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 Services 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 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 and search the full public Directory (businesses, job posts, and contact information) at no cost. Creating quotes, invoices, clients, or a public business page requires a paid plan.
Business — $9.99/month — everything in Free, plus your public business page in the Directory and a QR business card that links to it, so new customers can find you, and a limited starter allowance to try the tools (currently 3 quotes and 3 invoices, lifetime, with voice-AI quoting included within that allowance) and one test quote and one test invoice that you can send to a client (see "Test documents" below). Sending other quotes and invoices to clients, and higher (currently unlimited) usage limits, are part of Pro.
Pro — $29.99/month — everything in Business, plus sending quotes and invoices to your clients, 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 fair-use limits in Section 5 and the limits shown in the App.

The main way to subscribe is in the App, through the Apple App Store or Google Play. The rules below for trials, billing, cancellation, and refunds apply to those in-App subscriptions. Some offers let you subscribe on ganavo.app instead; Section 4A covers website subscriptions.

Additional terms:

Test documents (Business). On the Business plan you can send one quote and one invoice to a client as a test, so you can see exactly what your client sees. A test document is permanently marked "TEST" on your client's page and PDF, even if you later upgrade. Your client can open, review, sign, and accept a test document like any other, but a test invoice cannot take card payments and does not show payment details. Sharing any other quote or invoice with a client — by link, PDF, print, email, or text message — requires Pro. Documents you shared before this rule took effect, or while you had Pro, keep working for your clients.
Free trials & introductory offers (in-App). An in-App subscription may include a free trial or an introductory offer for new subscribers (for example, a free trial on Pro or initial free months on Business), at our discretion and 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 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 (in-App). In-App 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 an in-App 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 and searching the Directory 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.

4A. Website subscriptions (ganavo.app)

Some offers — for example, a link from a Ganavo creator — let you subscribe to Pro or Business on ganavo.app instead of in the App. These rules apply to subscriptions bought on the website:

Billing. Website subscriptions are billed to the card you enter at checkout through our payment processor, Stripe. They are managed on ganavo.app, not in the App Store or Google Play. A website subscription and an App Store or Google Play subscription are separate: cancelling one does not cancel the other.
Price. The price is the one shown at checkout before you pay.
Free trials. A new website subscription to Pro starts with a 3-day free trial, and a new website subscription to Business starts with a 60-day free trial. One free trial per account: if your account has had a website subscription before, a new one starts without a free trial. Checkout shows whether you get a free trial and the date of your first charge before you pay.
Creator discounts. An eligible creator code takes 15% off your first 3 paid months, as shown at checkout.
Automatic renewal. After any free trial, your subscription renews automatically every month at the price shown at checkout, and we charge your card each month until you cancel.
Reminder. If a free trial or free period is longer than 31 days, we email you a reminder before it ends.
Cancel anytime on ganavo.app → Plan & account → Manage subscription. Cancelling stops the next renewal; it takes effect at the end of the current paid period (or at the end of your free trial), and you keep access until then. If you cancel during a free trial, you are not charged.
Refunds. We don't give refunds or credits for partial periods, unless the law requires it. If you believe you were charged by mistake, email support@ganavo.app.
Taxes. Prices are shown without sales tax. If sales tax is charged on your subscription, it is shown at checkout before you pay.
Price changes. We may change website prices going forward. We will email you before a new price applies to your subscription, with enough notice for you to cancel first.
Deleting your account cancels a website subscription (Section 13).

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 Services.
Voice & AI features. Within your plan's limits you can dictate a job and the App uses AI to transcribe it and draft a structured quote or invoice, and to translate documents. 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.
What you send is your act. Anything the Services draft, translate, send, or change at your direction — a quote, invoice, contract, translation, or link — is your act and your responsibility. Review screens and notices are a convenience to help you check your work; they do not transfer that responsibility to Ganavo.
Recording other people. Voice features are for dictating your own notes about a job. If a recording captures anyone else — for example, a client during a walk-through — you are responsible for giving any notice and getting any consent the law requires; some states require the consent of everyone being recorded. Ganavo converts speech to text only: it does not create voiceprints and does not identify who is speaking.
Translations. The App can translate your documents and contract terms between English, Portuguese, and Spanish. AI translations can be wrong, especially prices, measurements, and legal terms. Review the translated version before you send it — your client sees and signs the version you send. If it matters to you, say in your own terms which language controls. Ganavo is not responsible for translation errors.
Usage limits & fair use. AI features and the Business plan's starter allowance are subject to the limits of your plan, shown in the App (Section 4). "Unlimited" plans are subject to fair-use limits that exist only to stop automated abuse and are set far above normal business use: every account can create up to 50 new client links (quote or invoice links) per calendar day (UTC); Pro accounts can create up to 500 quotes and 500 invoices per calendar month; and voice-AI quoting has daily and monthly safety limits on the number and total length of recordings (for example, currently 50 voice quotes per day on Pro). If you reach a limit, email support@ganavo.app; we will review it and, for genuine business use, may raise it at no charge. We may change these limits with notice in the App.

6. Client quote links, acceptance & electronic signature

The Services can generate a link to a quote or invoice that you send to your client. Your client can view the document from that link and Accept or Decline a quote.
Electronic acceptance. When your client accepts, the Services record the acceptance: for a document that asks for a signature (such as a Contract), the client's typed name, drawn signature, their agreement to sign electronically, and the date/time; for a quote that doesn't ask for a signature, a one-tap acceptance and the date/time. The Services also record the technical details listed in Section 6B. The App may also record your own signature when you sign a document. 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 (including Section 6B) and to transact this business electronically, and agree that these electronic records and signatures may be used as evidence in connection with the underlying agreement.
Consent comes before the signature. Before your client can sign a document that asks for a signature, they must agree to Ganavo's electronic-signature disclosure. Its exact texts, in English, Portuguese, and Spanish, are published at ganavo.app/legal/esign. For a Contract, the disclosure comes first, on a "Sign electronically?" card shown before the document: your client can agree and continue, choose "I want paper instead", or decline the contract without agreeing to sign electronically. For other documents that ask for a signature, your client agrees in a box when they sign. Each consent records which version of the disclosure your client accepted, the language it was shown in, a fingerprint of its exact text, and the time.
Your client signs what they saw. If the document changes while your client has it open, an acceptance of the earlier version is not recorded, and the page asks your client to review the updated document.
The activity log. For every quote and contract link, the Services keep an append-only activity log (an audit trail) of what happens to the document: when you send or re-send it; each time your client opens it; their e-sign consent; any paper request; their signature, acceptance, or decline; each PDF opened or downloaded from the link; your countersignature; completion; archiving; in-person signing; and any status you set yourself in the App. Each entry is timed by our server and chained to the one before it, so a later change would show. Nobody can edit or delete an entry through the Services while the document exists. What the log records about your client is listed in Section 6B.
Certificate of completion. When your client accepts or signs a document through the link, the Services add a certificate of completion to it. The certificate shows the document's details; your business details; your client's typed name and signature; when the document was sent and first opened, how many times it was opened, and when your client agreed to sign electronically (where they did) and signed or accepted, with your client's time zone; your client's device type and a short network ID (part of a keyed hash, never their network address); how your client got access (the link, or in person on your device); the e-sign disclosure they accepted (its full text is attached); your countersignature and any status you set; and fingerprints of the content and of the signed PDF, with whether the activity log is intact. It appears on the document page and in the signed PDF, so anyone who has the link or a copy of that PDF can see it. For a document signed before the activity log existed (October 2026), the certificate shows only what was recorded at the time. If you mark a document accepted yourself in the App, it gets no certificate: the log records that you set the status, not that your client answered.
The signed PDF. After your client signs or accepts through the link, the Services make a PDF of the document with its certificate (usually right away) and store it privately. Your client can download it from the link. If you countersign later, a new version is made; a stored file is never overwritten. Ganavo does not send the PDF to anyone.
In-person signing. If you use in-person signing in the App, your client signs on your phone, on the same signing page, with the same disclosure and certificate. The activity log and the certificate record that the signature was made in person on your device, with your name (from your business profile) as the host. Each in-person session uses a one-time code that expires after 2 hours; we store only a fingerprint of the code, never the code.
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. Ganavo does not promise that any quote, signature, or agreement is valid or enforceable — that depends on the law that applies to it and on what the document says.
Agreement wording is a template, not legal advice. The App can include a short plain-language acceptance line on your documents (for example, that you will perform the work described and that your client agrees to pay as shown), populated from what you entered, and it prints the contract terms you choose (Section 6A). This wording is a general 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.
Legal formalities are your job. You are responsible for any paper copy, notice, disclosure, waiting period, or cancellation right the law requires for your contracts (for example, a client's right to cancel a home-improvement contract), and for giving your client a copy signed by both of you where the law requires it. Ganavo's e-sign disclosure is a general one: we don't decide whether your client is a "consumer" or which disclosures, notices, or consents the law requires for your transaction, and we don't promise that the disclosure satisfies them.
Paper copies are free for your client. Our e-sign disclosure tells your client that paper is always their choice: they can ask you for the document on paper instead, or for a paper copy at any time, at no charge, and choosing paper does not cancel anything or take away any of their rights. You agree to honor that. When a client asks you for a paper copy, or chooses paper (including with the "I want paper instead" button), you must give them the paper document free of charge, in person or by mail, within a reasonable time, and complete that document with them on paper if they want. Don't charge for it, and don't treat the choice as a cancellation. A request made with the button is recorded on the document's activity log; Ganavo does not send you a separate alert, does not deliver paper, and does not contact your client. Act on requests your client makes to you directly, too.
Documents you may not sign or deliver through Ganavo. By law, some documents can't be signed or delivered electronically, or must be given on paper. Don't use Ganavo to sign or deliver them. Under the federal E-SIGN Act (15 U.S.C. § 7003) they include, for example: wills, codicils, and testamentary trusts; adoption, divorce, and other family-law matters; certain documents under the Uniform Commercial Code; court orders, notices, and other official court documents; notices of default, acceleration, repossession, foreclosure, or eviction (or of the right to cure) under a credit agreement secured by, or a rental agreement for, someone's primary residence; notices that utility service (such as water, heat, or power) will be cancelled or shut off; notices that health insurance or benefits, or life insurance benefits, will be cancelled or terminated; product-recall notices and notices of a product failure that risks health or safety; and documents required to accompany the transport or handling of hazardous materials, pesticides, or other toxic or dangerous materials. State laws may add others. You are responsible for deciding whether a document may be signed or delivered electronically.
Messages you send to your clients. When you share a document by text, email, or another app, you are the sender. You are responsible for having your client's consent where the law requires it (for example, for text messages) and for complying with the laws on calls, texts, and email (such as the TCPA and CAN-SPAM). Ganavo does not message your clients on its own behalf.
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.
How long the link and the records last. Your client's link — the document page, its PDFs, and its certificate — keeps working while the document is in your account (archiving it in the App keeps the link working). If you delete the document, or your account, the link stops working, so make sure your client has the copy they need before you do. When a signed or accepted document is deleted (on its own or with your account), we keep a copy of the signed record, its activity log, and its stored signed PDF in a restricted archive as evidence of the agreement, as described in Privacy Policy Section 6; your client can't reach that archive through the link. Apart from that archive, we have no duty to preserve or produce these records beyond the retention of your account. Keep your own copies of anything you may need, including any record the law requires you to keep or to give your client.
The link is a bearer link. Anyone who has the link can view and respond to that quote or invoice, and see the certificate of completion of a signed document. You are responsible for directing the link to your intended recipient and for keeping it from anyone else.
Suspicious quotes or invoices. If you receive a quote or invoice through a Ganavo link that you did not expect, or that you believe impersonates a business, confirm it directly with the business before paying and report it to support@ganavo.app. We have no obligation to investigate any report (Section 19), but we may disable links and suspend or terminate accounts used for fraud or impersonation (Section 9), without refund.

6A. Contract terms, example clauses, license numbers & payment schedules

Your terms are your terms. When you turn a document into a Contract, your client is asked to sign it. Whatever the title, the document and every word, price, date, and payment term in it are yours. You can write your own contract terms, save them, and add them to documents.
Ganavo is not a law firm. Ganavo does not give legal advice and does not review your documents. The App's examples, templates, acceptance wording, and translations are not a substitute for the advice of an attorney.
Example clauses are examples, not legal advice. The App offers a few example contract terms as general starting points. They are not written for any state, trade, or job, and they may be incomplete, unenforceable, or unlawful where you work. Once you use, edit, or translate an example, it becomes your term. Before you first use the examples, the App asks you to acknowledge this, and we keep a record of that acknowledgment.
Legally required wording is your responsibility. Many states have special rules for contracts with homeowners. You are responsible for any content the law requires in your contracts, including: - any right to cancel, and the cancellation notice the law requires when a contract is signed at your client's home (or elsewhere away from your place of business), in the language you used with your client; - your license or registration numbers; - deposit limits and payment-schedule rules; and - any other required information, notice, or disclosure.

The App does not check your documents against these rules, and we do not guarantee that any document, signature, or term is valid or enforceable.

License numbers. If you add a license or registration number, you confirm it is yours, current, and correct. Ganavo does not verify licenses; the number prints exactly as you typed it.
Payment schedules. Deposits, balances, and due dates on your documents are amounts and dates you set. You are responsible for deposit limits, refunds, and any late-payment rules that apply to you. Ganavo does not lend money, extend credit, or collect payments for you.

6B. Terms for your clients (people who use a Ganavo document link)

This section applies to anyone who opens a Ganavo document link to view, accept, sign, decline, or pay for a quote, contract, or invoice (a "client"). If you are a client:

You agree to do this electronically. By accepting, signing, declining, or paying through the link, you agree to receive the document and to respond and transact electronically. Before you sign a document that asks for a signature, you are shown Ganavo's e-sign disclosure (its exact texts are at ganavo.app/legal/esign) and asked to agree to get and sign the document electronically. For a contract, this comes first, on a "Sign electronically?" card before the document, and you can decline the contract straight from that card without agreeing to sign electronically.
You can always choose paper. On a contract's card, tap "I want paper instead" to see how to reach the business, or ask the business directly at any time, before or after you sign. The business must give you the document on paper, or a paper copy, at no charge (Section 6). Choosing paper does not cancel anything or take away any of your rights; it can take longer. If you would rather not use the link at all, don't respond through it — ask the business for paper.
Your agreement is with the business, not Ganavo. The business that sent you the link is the other party to any quote, contract, invoice, or payment, and is responsible for the work, the prices, the terms, and any refund. Ganavo provides the software only. Card payments are processed by Stripe for the business; Ganavo never receives your card number.
What Ganavo records. For quotes and contracts, the Services keep an activity log for the business. It records, each with the date and time: - each time you open the document link (at most once every 10 minutes from the same network); - your agreement to the e-sign disclosure: which version you agreed to, the language it was shown in, and a fingerprint of its exact text; - any "I want paper instead" request; - your answer: your signature or acceptance — your typed name and, when the document asks for a signature, your drawn signature — or your decline, with any reason you give; - each time you open or download a PDF from the link; and - the business's countersignature, and when the document is complete.

Depending on the action, it also records a keyed hash of your network (IP) address (never the address itself), your device and browser type, the language of the page, your device's time zone, and a fingerprint of the content the page showed you. If you sign in person on the business's device, that is recorded too, with the business's name as the host. We also keep a copy of the content you accepted. Entries can't be edited or deleted while the document exists. The business that sent the link can see this record, and we keep signed records as evidence of the agreement (Privacy Policy Section 6).

Your certificate of completion. When you accept or sign through the link, a certificate of completion is added to the document. It shows your typed name and signature; when you first opened the document, agreed to sign electronically, and signed or accepted, with your time zone; your device type; a short network ID (the first 12 characters of the keyed hash); how you got access (the link, or in person on the business's device); the e-sign disclosure you accepted; and the business's details and countersignature. Anyone who has the link or a copy of the signed PDF can see it, so share them only with people you trust.
Your signed copy. After you sign or accept, you can download a PDF of the document with its certificate from the link, or send the link to yourself from your own phone (Ganavo does not send it to you). You can come back to the link later while the business keeps the document on Ganavo. If the business deletes the document or its account, the link stops working, so download your copy.
Privacy requests. For requests to see, correct, or delete your information, contact the business that sent you the link. If you contact us, we may forward your request to them. Our Privacy Policy explains what we do with this information.
Where to read these terms. Every document page links to these Terms and our Privacy Policy.

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 Services Agreement you accept when you connect your Stripe account) 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.

Pricing tools. The App offers an optional "cover card fees" price adjustment that grosses your entered amounts up so your listed price covers your payment-processing costs. It only performs 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.

Cash-discount (dual) pricing — existing accounts only. Accounts that already use cash-discount pricing keep it: the document's listed total is the card price, and the discount for paying by cash or check is disclosed on the document your client sees. This is a cash discount off the listed card price — not a surcharge added at payment. It can no longer be turned on for other accounts. 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.

No surcharges. The Services do not offer a surcharge feature: nothing is added at payment to the price your client sees on the document.

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. The current platform fee is shown in the App's payment settings, and we will give you notice in the App before it changes. The Free plan stays free.

8. Your content & license to operate the Services

You own the content you put into the Services (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 Services 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. You also confirm that you have the right to share your clients' information with us (names, contact details, addresses, job details, signatures) and that you have given any notice or obtained any consent the law requires. We process your clients' information on your behalf, as described in Section 8A and the Privacy Policy.

8A. Client data — Ganavo as your service provider

"Client Data" is the personal information about your clients that you put into the Services or that the Services collect from your clients for you (for example, names, contact details, addresses, job details, documents, signatures, acceptance records, and payment status). For Client Data, Ganavo acts as your service provider (processor). We:

process Client Data only to provide, secure, and support the Services for you, and as the law requires;
do not sell or share Client Data (as "sell" and "share" are used in state privacy laws), and do not use it for advertising;
do not combine Client Data with other personal information we hold, except to keep the Services secure, to prevent fraud and abuse, and to comply with the law;
keep Client Data confidential and protect it with the security measures described in Privacy Policy Section 9;
use only the sub-processors listed in Privacy Policy Section 7, and update that list when it changes;
help you, within reason, respond to your clients' requests to access, correct, or delete their information; and
delete Client Data when you delete your account (Section 13), subject to the limited retention described in Privacy Policy Section 6.

Exception — the signed-record archive. When a signed or accepted document, or your account, is deleted, Ganavo keeps a copy of the signed record and its acceptance evidence — including the document's activity log and any stored signed PDF (Section 6) — in a restricted archive. We keep that archive as Ganavo's own record, not on your instructions, to establish, defend, or resolve legal claims about the agreement and to respond to lawful requests, and we delete it as described in Privacy Policy Section 6.

You remain responsible for having the right to give us Client Data and for any notice or consent your clients need (Section 8).

9. Acceptable use

Do not: (a) use the Services 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; or (g) show a license, registration, or insurance credential that isn't yours or isn't valid.

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. A public business page is shown only while its owner has an active Business or Pro plan; if the plan lapses, the page (including its link and QR code) is hidden until the owner resubscribes. 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. Section 10A sets the rules for posting a job and for responding to one.
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.

10A. Job posts & dealing with businesses you find on Ganavo

Ganavo's role. Ganavo only displays the listings and job posts that businesses write. We are not an employer, joint employer, staffing agency, employment agency, recruiter, or broker, and we are not a party to any job, application, interview, hiring decision, work arrangement, payment, or other deal between users, businesses, applicants, or customers. We do not screen or interview anyone, run background checks, or verify any business's identity, licenses, registrations, insurance, credentials, reviews, pay, or working conditions, or whether a job exists or is still open. Nothing we display — a listing, its place in search results, a "Hiring" label, or a job post — is an endorsement, recommendation, or guarantee.

If you post a job. Each time you add a job post you confirm it in the App (and we keep a record of that confirmation), and you represent and warrant to us, that:

the job is real and currently open, and it is offered by the business on your listing, which you are authorized to act for;
the title, pay, schedule, type of work, and other details are accurate and not misleading;
the job and your post are legal, and you will comply with every law that applies to the work and to your hiring — including anti-discrimination, wage-and-hour, worker-classification, work-authorization, tax, workplace-safety, child-labor, and licensing laws; and
you alone are responsible for the post, for your dealings with anyone who responds to it, and for any hiring decision, pay, taxes, insurance, and treatment of the people you hire.

Not allowed in job posts (in addition to Section 12):

asking applicants to pay you or anyone else to apply, be hired, or start work (for example, fees for training, starter kits, equipment, uniforms, background checks, or "placement"), or to receive, cash, or forward money, checks, or gift cards;
asking applicants for bank, card, or other payment details as part of applying;
any preference, limitation, or exclusion based on race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, genetic information, citizenship or immigration status (unless a law requires it for that job), or any other characteristic protected by law;
fake, misleading, or "bait" posts; pyramid, multi-level-marketing, or "business opportunity" recruiting presented as a job; and posts used mainly to collect people's personal information;
work that is illegal, or that requires a license, registration, or permit the business doesn't hold.

If you respond to a job post or hire a business. You decide whom to contact, hire, or work for, at your own risk. Do your own checks before you share personal information, start work, or pay anyone — for example, confirm the business and any license with the state agency that issues it. Never pay to apply for a job or to get hired, and never cash a check and send money back. What you send to a business — a call, message, email, résumé, or anything else — goes directly to that business, not through Ganavo; we don't receive or keep it, and that business's own practices apply to it.

Reporting. If a listing or job post looks fake, unlawful, or unsafe, use "Report this listing" in the App or email support@ganavo.app. You can also report scams to the U.S. Federal Trade Commission at ReportFraud.ftc.gov and to local law enforcement. We review reports and may remove posts or listings and act on accounts under Section 11, but we have no obligation to do so and do not guarantee any outcome.

Release. To the maximum extent permitted by law, you release Ganavo (and its owner, operators, and service providers) from all claims, demands, and damages, known or unknown, arising out of or connected with any dispute between you and another user, business, applicant, or customer — including any job, application, hiring decision, work, or payment. If you are a California resident, you waive California Civil Code § 1542, which says: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." You waive any similar law elsewhere to the same extent. This release does not limit any right that the law does not allow you to waive (Section 16).

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). Reports are reviewed; a report flags the listing for review but does not, by itself, 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;
Job-post abuse — fees charged to applicants, discriminatory preferences, fake or "bait" jobs, and anything else Section 10A doesn't allow in a job post.

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 account, your profile, your business records, and, if present, your public listing and its photos, subject to limited retention required by law, accounting, or for security/anti-abuse, and the signed client records kept as evidence of an agreement. For each signed or accepted document, that record includes its activity log and any stored signed PDF, which are kept after your account is deleted (see the Privacy Policy, Section 6, for details). Your clients' document links stop working when your account is deleted (Section 6). Deletion cannot be undone, so keep your own copies of anything you may need.

Subscriptions when you delete your account. If you subscribed on ganavo.app, deleting your account cancels that subscription: it will not renew and you will not be charged again; a subscription with an unpaid balance is cancelled immediately. Deletion is immediate, so you give up the rest of any period you already paid for, and that period is not refunded — to use it, cancel on ganavo.app (Plan & account → Manage subscription) first and delete later. If we cannot confirm the cancellation with our payment processor, your account is not deleted; try again or email support@ganavo.app. Deleting your account does not cancel a subscription bought through the Apple App Store or Google Play — cancel it in your store account settings, or you will keep being charged.

14. Disclaimers

THE SERVICES 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 Services 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 Services, their 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 Services 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 Services 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 contract terms (including any example clause you use, edit, or translate), license numbers, and payment schedules (Section 6A);
messages you send to your clients through any channel (Section 6);
recordings you make with the voice features (Section 5);
your use or misuse of the Services, 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 Services 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 Services 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.
Arbitration fees. The AAA's fees are split as its Consumer Arbitration Rules and fee schedule provide. Under them, if you start the arbitration, your share of the AAA filing fee is capped (currently $225), and Ganavo pays the rest of the AAA's fees and the arbitrator's compensation; if Ganavo starts it, Ganavo pays the AAA's fees. Those fees are not shifted to you unless the law requires it or the arbitrator finds your claim was frivolous or brought to harass. Each side pays its own lawyers unless the law or the arbitrator's award provides otherwise.
Mass filings. If 25 or more similar arbitration demands are filed against or on behalf of the same party, and the claimants are represented by the same or coordinated lawyers or organizations, the AAA's Mass Arbitration Supplementary Rules apply, and the demands may be administered and decided in batches as those rules provide. Nothing in this paragraph allows a class or representative arbitration.
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 Services.
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.
Future changes to this section. If we change this Section 21 in the future (other than a change to our contact details), you may reject the change by emailing support@ganavo.app within 30 days after it takes effect. If you do, the version of this section you last agreed to keeps applying to disputes between you and Ganavo.

22. Changes to these Terms

We may update these Terms. We will post the updated version with a new "Last updated" date. For material changes, we will give you notice in the App or on ganavo.app (and by email where available) and ask you to agree to the updated Terms before you continue using the Services. Other changes take effect when posted, and continued use after that means you accept them. Section 21 explains how to reject a future change to the arbitration agreement.

22A. General

Survival. Sections 4A (refunds), 6A, 6B, 7, 8A (the signed-record archive), 10A, 13 through 21, and this section continue to apply after your account ends.
Severability. If any part of these Terms can't be enforced, the rest stays in effect, and that part is enforced to the fullest extent the law allows.
Assignment. You may not transfer these Terms without our written consent. We may transfer them as part of a merger, acquisition, or sale of our business or assets.
Entire agreement. These Terms, together with the Privacy Policy and any plan terms shown in the App or at checkout, are the entire agreement between you and Ganavo about the Services.
No waiver. If we don't enforce a provision right away, we can still enforce it later.

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.