How We Handle Your Information
Terms of Service
These Terms explain the rules, responsibilities, and protections that apply when you use Rayova’s website and online services.
2026 © Rayova - All Rights Reserved • Privacy Policy • Terms of Service
These Terms explain the rules, responsibilities, and protections that apply when you use Rayova’s website and online services.
These Website Terms of Service (the "Terms") are a legal agreement between you and Rayova Fintech Corp. ("Rayova," "we," "us," or "our"). They govern your access to and use of rayova.com and other Rayova webpages that link to these Terms, including their content, forms, demonstrations, downloads, and restricted pages (collectively, the "Site").
By accessing or using the Site, you acknowledge that you have read, understood, and agreed to these Terms and the Rayova Privacy Policy. If you use the Site for an organization, you represent that you are authorized to act for that organization, and “you” includes both you and the organization.
You must be old enough to form a binding contract where you live. The Site is intended for adults and organizations seeking business services and is not directed to children under 13.
The Site describes Rayova’s capabilities, which may include websites, applications, digital forms, workflows, artificial-intelligence-assisted tools, cloud solutions, integrations, user experience and brand work, accessibility support, and technology consulting. Site content, portfolio examples, estimates, demonstrations, and discussions are invitations to explore a possible engagement; they are not a binding offer, guarantee, or commitment to provide services.
A service engagement begins only when authorized parties enter a written agreement. If these Terms conflict with a signed client agreement, the signed client agreement controls for the services it covers. No Site statement modifies a signed agreement unless the agreement expressly says so.
We may improve, change, suspend, or discontinue any part of the Site. We may also update these Terms to reflect changes in the Site, our practices, or applicable law. The updated Terms will be posted here with a revised effective date. If a change materially affects existing registered users or a restricted service, we will provide additional notice where reasonably practicable or legally required. Your continued use after the revised Terms take effect constitutes acceptance of the revised Terms.
Subject to these Terms, Rayova grants you a limited, revocable, non-exclusive, non-transferable permission to access the Site and to download or print reasonable portions of publicly available content for your internal, lawful business evaluation. This permission does not transfer ownership and may be revoked if you breach these Terms.
You must not, directly or through another person or system:
Ordinary search-engine and research indexing that respects Rayova’s published technical instructions is not prohibited by the final bullet.
Some pages, demonstrations, previews, or client resources may require a link, password, code, or account. Access is limited to the intended recipient and authorized users. You are responsible for protecting credentials and access links, using them only for their intended purpose, and notifying Rayova promptly if you suspect unauthorized access. Do not share restricted content or credentials unless Rayova or the applicable client authorizes it.
Rayova may suspend or revoke restricted access to protect security, comply with a client instruction, investigate misuse, or enforce these Terms. Access control is not a promise that restricted content is suitable for receiving sensitive information.
You retain ownership of information and materials you submit through the Site ("Submitted Content"). You represent that you have all rights and permissions needed to submit it and that it is accurate to the best of your knowledge.
You grant Rayova and its service providers a non-exclusive, worldwide, royalty-free licence to host, copy, transmit, review, adapt, and otherwise use Submitted Content only as reasonably necessary to process your inquiry, provide a requested demonstration or service, protect the Site, meet legal obligations, and exercise Rayova’s rights under these Terms. Where Submitted Content is provided for a client-branded form, Rayova may also transmit it to and process it for that client.
Do not submit trade secrets, source credentials, regulated records, or other confidential or sensitive information through a general contact form. Submitting an inquiry does not create a fiduciary relationship, professional-client relationship, or confidentiality obligation beyond Rayova’s Privacy Policy and any separate written confidentiality agreement.
If you voluntarily provide an idea, suggestion, or feedback that is not identified and accepted in writing as confidential, you allow Rayova to use it without restriction or compensation. This feedback licence does not permit Rayova to identify you publicly without permission.
The Site, including its design, layout, software, text, graphics, images, video, audio, logos, and other content, is owned by or licensed to Rayova and is protected by intellectual-property laws. Rayova, Wizara, and their associated names, logos, and product or service identifiers are trademarks or trade names of their respective owners. Except for the limited permission in Section 4, no right or licence is granted by implication, estoppel, or otherwise.
You may link to a public Site page in a fair and lawful way that does not imply endorsement or affiliation. Rayova may ask you to remove a link that is misleading, unlawful, or harmful.
The Site may display client names, trademarks, screenshots, testimonials, links, project descriptions, or other portfolio material. Those materials remain the property of their respective owners and are shown for identification and illustration. Their appearance does not imply that a client endorses every Rayova service or that a past result will be repeated. You may not reuse third-party marks or materials from the Site without the owner’s permission.
The Site may link to or incorporate services operated by others, including Wizara forms, Google Analytics, social or media platforms, cloud providers, and client websites. Third-party services are governed by their own terms and privacy policies. Rayova does not control and is not responsible for third-party content, availability, security, or practices. A link, integration, partner reference, or compatibility statement does not by itself constitute endorsement or a warranty.
Site content and demonstrations may use artificial intelligence, automation, sample data, or simulated workflows. Outputs may be incomplete, inaccurate, outdated, or inappropriate for a particular context. You are responsible for reviewing outputs and obtaining qualified human advice before relying on them for legal, financial, employment, credit, safety, accessibility, privacy, regulatory, health, or other material decisions.
Performance figures, statistics, case studies, projections, examples, and descriptions are illustrative unless expressly incorporated into a signed agreement. They do not guarantee traffic, ranking, revenue, conversion, compliance, availability, or any other result.
Rayova’s Privacy Policy explains how Rayova handles personal information and uses analytics and embedded forms. By using the Site, you acknowledge that policy. Where consent is required for a particular technology or use, Rayova will request it separately.
When you contact Rayova electronically, you consent to receive messages needed to respond to the request or administer a resulting relationship. Rayova will send commercial electronic messages only where permitted by law. Marketing messages will identify the sender and provide an unsubscribe method. You may withdraw marketing consent at any time, but Rayova may continue sending non-promotional service, transaction, security, or legal messages.
Rayova works to keep the Site available and secure, but uninterrupted or error-free access cannot be guaranteed. Maintenance, provider outages, internet conditions, security events, or circumstances beyond reasonable control may affect availability. You are responsible for maintaining your own device, network, browser, backups, security controls, and copies of any material you need.
To the fullest extent permitted by law, the Site is provided “as is” and “as available.” Rayova disclaims all representations, warranties, and conditions, whether express, implied, statutory, or collateral, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and compatibility.
Nothing in these Terms excludes a warranty, condition, right, or remedy that cannot lawfully be excluded. Warranties for paid services, if any, are set out only in the applicable signed agreement.
To the fullest extent permitted by law, Rayova and its directors, officers, employees, contractors, affiliates, licensors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profit, revenue, opportunity, goodwill, data, or business interruption; or cost of substitute services arising from or related to the Site, even if advised that such loss is possible.
To the fullest extent permitted by law, the aggregate liability of Rayova and the parties listed above for all claims arising from or related to the Site will not exceed the greater of CAD $100 and the amount you paid Rayova specifically for access to the Site during the 12 months before the event giving rise to the claim.
These limitations do not apply to liability that cannot lawfully be limited or excluded, including liability for fraud or wilful misconduct where applicable law prohibits limitation. A signed client agreement, not this Section, governs liability arising from paid services covered by that agreement.
To the extent permitted by law, you will defend, indemnify, and hold harmless Rayova and its directors, officers, employees, and contractors from third-party claims, damages, liabilities, and reasonable legal costs arising from your unlawful use of the Site, your material breach of these Terms, or Submitted Content that infringes another person’s rights. Rayova will give reasonable notice of a covered claim and allow you to participate in its defence, provided Rayova may control the defence and settlement where its interests are materially affected. You do not have to indemnify Rayova for loss caused by Rayova’s own fraud, wilful misconduct, or breach of these Terms.
You may stop using the Site at any time. Rayova may suspend or terminate your access if Rayova reasonably believes you breached these Terms, created risk or legal exposure, threatened Site security or availability, or used access outside its intended scope. Where appropriate, Rayova will provide notice and an opportunity to address the issue.
Sections that by their nature should survive termination—including intellectual property, submissions and feedback licences, disclaimers, limitations, indemnity, governing law, and general terms—will survive.
These Terms and disputes concerning the Site are governed by the laws of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law rules. Subject to any mandatory law that gives you a right to another forum, the courts located in Toronto, Ontario have exclusive jurisdiction.
Before starting a proceeding, you and Rayova agree to make a good-faith attempt to resolve the dispute. A notice should describe the issue and requested resolution and be sent using Section 21. If the dispute is not resolved within 30 days after receipt, either party may pursue available remedies. This paragraph does not prevent either party from seeking urgent injunctive relief or meeting a limitation period.
Questions, legal notices, or reports of misuse may be sent to:
Rayova Fintech Corp.Effective date and last updated: August 19, 2026
2026 © Rayova - All Rights Reserved • Privacy Policy • Terms of Service