Terms of Service

Effective Date: 10/07/2025
Company: Ava Finance, Inc. (“Ava,” “we,” “our,” “us”)
Mailing Address: 548 Market St, STE 511672, San Francisco, CA 94104-5401
Support: store@meetava.com

1) Acceptance of Terms

By accessing or using our website, storefront, or any services, products, or digital content offered by Ava (collectively, the “Site”), you agree to these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree, do not use the Site.

2) Eligibility; Accounts

You must be at least the age of majority in your jurisdiction and able to form a binding contract. You are responsible for your account credentials and any activity under your account.

3) Our Role: Reseller & Marketplace; Third-Party Providers

3.1 Reseller/Markup. We operate a marketplace/reseller model for certain professional services (“Third-Party Services”). Prices shown may include our own markup/service fee for platform access, coordination, and support.
3.2 Independent Providers. Third-Party Services are performed and fulfilled by independent professionals or firms (each a “Provider”). Ava is not the service provider and does not perform, supervise, direct, or control the work.
3.3 No Professional Advice. Content on the Site is for general information only and does not constitute legal, financial, medical, or other professional advice. Any advice or services you receive are provided solely by the Provider under your agreement with them.
3.4 Your Contract Is With the Provider. Statements of work, deliverables, schedules, revisions, warranties (if any), refunds, and dispute processes for Third-Party Services are offered by and enforceable only against the Provider. Review the Provider’s terms, policies, and privacy practices before purchasing.

4) Provider Vetting; No Guarantee

4.1 Vetting. For listed Third-Party Services, Ava performs reasonable vetting appropriate to the service and its legal requirements (which may include confirmation of licensing or certification, education, and/or experience).
4.2 No Guarantee; Your Responsibility. Vetting is not a guarantee of outcomes, quality, legality, safety, or fitness for your particular purpose. You remain responsible for independently evaluating a Provider’s qualifications and for complying with all applicable laws when using any Third-Party Service.

5) No Endorsement; No Warranty; Allocation of Risk

Ava does not endorse, supervise, warrant, or guarantee any Provider’s work, representations, pricing, timelines, results, or compliance. To the maximum extent permitted by law, Ava bears no liability for Provider acts or omissions, including negligence, malpractice, breach, fraud, willful misconduct, or statutory violations. Your sole recourse for Third-Party Services is against the Provider.

6) First-Party Digital Products (E-Books & Digital Content)

6.1 Sale & Delivery. We also sell certain digital products (e.g., e-books) directly (“Ava Digital Products”). Delivery occurs via download link or account access after purchase.
6.2 License. Upon purchase, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Ava Digital Product for your personal, non-commercial use.
6.3 Restrictions. You may not reproduce, distribute, resell, publicly display, modify, reverse engineer, or create derivative works from any Ava Digital Product, nor circumvent DRM or security measures.
6.4 No Refunds. All sales are final for Ava Digital Products, subject to any mandatory rights under applicable law and our posted No Refund Policy.

7) Orders, Pricing, Taxes & Fees

7.1 Order Acceptance. We may accept, reject, or cancel orders at our discretion (e.g., for suspected fraud, pricing or listing errors, or Provider unavailability).
7.2 Pricing. Prices may change at any time prior to order acceptance. For Third-Party Services, prices include our markup/service fee; Providers may separately charge for add-ons, out-of-scope work, or government/third-party fees.
7.3 Taxes. You are responsible for applicable taxes, duties, and fees, which may be charged at checkout or by the Provider or relevant authority.

8) Scheduling, Changes & Cancellations (Third-Party Services)

Scheduling and rescheduling are subject to Provider availability and policies and may incur additional fees. Declining offered rescheduling options does not create a refund right unless required by law or by the Provider’s policy.

9) Refunds, Chargebacks & Credits

All service purchases are final under our No Refund Policy, except any limited exceptions described there or required by law. Filing a chargeback does not negate your obligations; we may contest chargebacks with order and routing records.

10) User Content & Reviews

You may submit content (e.g., reviews). You grant Ava a worldwide, royalty-free license to use, reproduce, and display such content for Site operation and marketing. Do not post illegal, infringing, defamatory, or confidential content.

11) Prohibited Conduct

You agree not to: (a) violate laws; (b) misuse the Site; (c) interfere with others’ use; (d) scrape or reverse engineer the Site except as allowed by law; (e) upload malicious code; or (f) impersonate any person or misrepresent your affiliation.

12) Intellectual Property

The Site, Ava Digital Products, and all associated content are protected by IP laws. Except for the limited license in Section 6, no rights are granted to you. Ava’s names, logos, and marks may not be used without our prior written consent.

13) Third-Party Links & Tools

The Site may link to third-party sites or integrate third-party tools. Ava is not responsible for third-party content, policies, or actions. Your use of such third-party resources is at your own risk.

14) Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND AVA DIGITAL PRODUCTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” AVA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. AVA DOES NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION OR THAT DEFECTS WILL BE CORRECTED.

15) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AVA, ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS; LOST DATA; OR BUSINESS INTERRUPTION. IN NO EVENT WILL AVA’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SITE, AVA DIGITAL PRODUCTS, OR THESE TERMS EXCEED THE GREATER OF (A) USD $100 OR (B) THE AMOUNT YOU PAID TO AVA FOR THE SPECIFIC AVA DIGITAL PRODUCT OR AVA-ASSESSED MARKUP/SERVICE FEE RELATED TO THE CLAIM. THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

16) Indemnification

You agree to defend, indemnify, and hold harmless Ava from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your: (a) use of the Site, Ava Digital Products, or Third-Party Services; (b) violation of these Terms or law; (c) User Content; or (d) interactions with any Provider.

17) Compliance & Export

You will comply with all applicable laws and regulations. You will not export or re-export Ava Digital Products or the Site in violation of export control or sanctions laws.

18) Communications; Electronic Records

You consent to receiving emails and notices electronically. Electronic records and signatures associated with the Site are deemed in writing and enforceable.

19) Changes to the Terms

We may update these Terms from time to time. Changes become effective upon posting with the “Effective Date” above. Your continued use of the Site after changes constitutes acceptance.

20) Termination

We may suspend or terminate access for any violation of these Terms or to protect the Site or other users. Sections intended to survive termination will survive.

21) Governing Law; Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. The state and federal courts located in San Francisco County, California will have exclusive jurisdiction and venue for any disputes not subject to arbitration (if applicable).

22) Dispute Resolution; Class Waiver (Optional—consult counsel)

Any dispute arising from these Terms or the Site will be resolved through binding arbitration administered by JAMS under its Streamlined Rules in San Francisco, California, before a single arbitrator. YOU WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. This Section does not limit any non-waivable consumer rights. (If you do not want arbitration, delete this Section and rely on the venue clause above.)

23) Non-Waivable Consumer Rights

Nothing in these Terms limits any consumer rights that cannot be waived under applicable law (e.g., mandatory cooling-off periods or statutory warranties where applicable).

24) Miscellaneous

These Terms constitute the entire agreement between you and Ava regarding the Site and supersede prior understandings. If any provision is unenforceable, the remainder remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or asset transfer.

25) Contact

Ava Finance, Inc.
548 Market St, STE 511672
San Francisco, CA 94104-5401
store@meetava.com