Welcome to NovaPay Fintech, LLC. By accessing our website or submitting information through our forms, you agree to the following Terms & Conditions.

If you do not agree, discontinue use of the site.

 1.⁠ ⁠Acceptance of Terms

Your use of this website constitutes acceptance of these Terms & Conditions and our Privacy Policy.

 2.⁠ ⁠Services Provided

NovaPay Fintech provides:

• Merchant processing consultations

• Tier Optimization Audits

• Payment processing evaluation services

• Access to programs designed to reduce payment acceptance costs

• Online scheduling for consultation sessions

The website allows prospective clients to request consultations and obtain information. The website does not process payments or finalize merchant agreements.

 3.⁠ ⁠Eligibility

To use our site or schedule a consultation, you must be:

• Either the owner or an authorized representative of a U.S. business

• At least 18 years old

• Legally permitted to enter into business agreements

 4.⁠ ⁠No Guaranteed Outcomes

Processing approvals, updated pricing, or savings projections depend on business history, processor evaluations, and underwriting conditions. NovaPay Fintech does not guarantee any audit outcome, approval, or savings amount.

 5.⁠ ⁠User Responsibilities

Users agree not to:

• Misuse, disrupt, or tamper with the site

• Submit false or misleading information

• Violate applicable laws or regulations

• Attempt to access internal systems or non-public portions of the site

 6.⁠ ⁠Intellectual Property

All content on this website — text, graphics, branding, and materials — is the property of NovaPay Fintech, LLC and protected by intellectual property laws. Reproduction without permission is prohibited.

 7.⁠ ⁠Limitation of Liability

NovaPay Fintech is not liable for:

• Errors on the site

• Interruptions, delays, or performance issues

• Third-party platform decisions or actions

• Damages resulting from website usage or reliance on provided information

Use of the website is at your own discretion and risk.

 8.⁠ ⁠Communications Consent

By submitting a form or scheduling a consultation, you consent to:

• Email communication

• Telephone communication

• SMS appointment confirmations (with the option to opt out)

You may withdraw consent at any time.

 9.⁠ ⁠Third-Party Links

Our site may contain links to external websites. We are not responsible for third-party content, privacy practices, or service offerings.

10.⁠ ⁠Governing Law

These Terms are governed by the laws of the State of Florida, regardless of conflict-of-law rules.

11.⁠ ⁠Contact Information

For all inquiries regarding these Terms:

📧 support@novapayfintech.com

Last Updated: November 2025