Terms of Service

Growth+, Professional, Business, and Founders tier subscribers are governed by the Merchant Services Agreement (v1.6, effective on Merchant acceptance) rather than these Terms. The Merchant Services Agreement controls subscription, fee, data, and dispute terms for paid tiers. If you have accepted an MSA, the MSA controls in the event of conflict.

These Terms apply to Shield Lite self-service subscribers, site visitors, and evaluators. These Terms do not include a chargeback guarantee or chargeback reimbursement. See the Legal index for all documents.

1. Acceptance of Terms

1.1 Agreement to Terms

By accessing, installing, or using any services provided by VerifyLive LLC ("VerifyLive," "Company," "we," "us," or "our"), including but not limited to the VerifyLive platform, VerifiedHuman API, Shopify application, merchant dashboard, SDKs, and related services (collectively, the "Service"), you ("Merchant," "Customer," "you," or "your") agree to be bound by these Terms of Service ("Terms," "Agreement").

1.2 Authority to Bind

If you are entering into this Agreement on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms. In such cases, "you" and "your" shall refer to such entity.

1.3 Age Requirement

You must be at least eighteen (18) years of age to use our Service. By using the Service, you represent and warrant that you meet this age requirement.

1.4 Additional Terms

Certain features of the Service may be subject to additional terms and conditions, including but not limited to:

• Shopify App Store Terms of Service
• Data Processing Agreement (DPA)
• Service Level Agreement (SLA)
• Acceptable Use Policy
• Privacy Policy

Where additional terms apply, they are incorporated into this Agreement by reference.

1.5 Electronic Communications

By using the Service, you consent to receiving electronic communications from VerifyLive, including emails regarding your account, service updates, security alerts, and promotional materials. You may opt out of promotional communications at any time.

2. Description of Service

2.1 Overview

VerifyLive is a business-to-business (B2B) software-as-a-service (SaaS) platform providing fraud prevention, human verification, and trust scoring services for e-commerce merchants. Our platform utilizes proprietary artificial intelligence, machine learning algorithms, behavioral biometrics, and cross-platform trust network technology to help merchants identify and prevent fraudulent transactions.

2.2 Core Services

The Service includes, but is not limited to:

a) VerifiedHuman API

• Real-time fraud detection and trust scoring
• Behavioral biometrics analysis
• Bot detection and prevention
• Device fingerprinting and reputation
• IP intelligence and geolocation analysis

b) Cross-Platform Trust Network

• Anonymous cross-merchant fraud signal sharing
• Privacy-preserving identity scoring
• Collective fraud intelligence
• Time-decaying trust signals

c) WebAuthn/Passkey Authentication

• Hardware-backed device attestation
• Biometric verification support
• Phishing-resistant authentication

d) DeliveryShield

• Delivery tracking integration
• Proof-of-delivery verification
• Delivery anomaly detection
• Multi-carrier support

e) Chargeback Defense

• Evidence-package generation for disputes (RECOVR)
• You review and submit the package to your payment processor
• The merchant reviews and submits the evidence pack, and there is no recovery fee.

f) Additional Features (Tier-Dependent)

• Omnichannel trust scoring
• Review verification
• Serial QR codes
• Influencer verification
• Receipt verification
• Visual search AI
• Age verification

2.3 Platform Integrations

VerifyLive connects to commerce and payment platforms through our official Shopify application and, where you enable them, through API keys and access tokens for other supported platforms. Capabilities described in Section 2.2 may be included in your Shopify connection, or provided through those API credentials, depending on how you enable the Service. Use of the Shopify application is also subject to the Shopify App Store Terms of Service. In the event of conflict between those terms and these Terms, these Terms govern the relationship between you and VerifyLive.

2.4 Service Availability

VerifyLive strives to maintain high availability of the Service. However, the Service may be temporarily unavailable due to:

• Scheduled maintenance (with reasonable advance notice when possible)
• Emergency maintenance or repairs
• Force majeure events
• Third-party service provider outages
• Network or infrastructure issues beyond our control

Service availability commitments, where applicable, are specified in the Service Level Agreement for your subscription tier.

2.5 Service Modifications

VerifyLive reserves the right to modify, enhance, or discontinue any aspect of the Service at any time. We will provide reasonable notice for material changes that negatively affect your use of the Service. Continued use of the Service after such modifications constitutes acceptance of the modified Service.

3. User Accounts and Registration

3.1 Account Creation

To access the Service, you must create a merchant account by providing accurate, current, and complete information as requested during the registration process. This includes:

• Legal business name
• Business contact information
• Billing information
• Authorized user details
• Platform integration credentials (e.g., Shopify store domain)

3.2 Account Accuracy

You agree to maintain and promptly update your account information to keep it accurate, current, and complete. Failure to do so may result in suspension or termination of your account and access to the Service.

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• Safeguarding your API keys and access tokens
• All activities that occur under your account
• Immediately notifying VerifyLive of any unauthorized access or security breach

You agree not to share your account credentials with third parties except as expressly permitted.

3.4 API Keys and Access Tokens

a) Security Requirements

• API keys must be stored securely and never exposed in client-side code
• Production API keys must not be used in development or testing environments
• Compromised API keys must be reported immediately and rotated

b) Key Rotation

VerifyLive may require periodic rotation of API keys for security purposes. You agree to comply with such requirements within the specified timeframe.

c) Usage Monitoring

VerifyLive monitors API usage for security and compliance purposes. Abnormal usage patterns may trigger security reviews or temporary suspension.

3.5 Authorized Users

You may authorize employees, contractors, or agents to access your account, provided that:

• Such users agree to these Terms
• You remain responsible for their actions
• You maintain appropriate access controls
• You promptly revoke access for former employees or contractors

3.6 Account Verification

VerifyLive may require additional verification of your identity, business legitimacy, or authorization at any time. Failure to provide requested verification may result in account suspension.

4. Subscription and Payment Terms

4.1 Subscription Plans

VerifyLive offers the following subscription tiers:

a) Shield Lite

• $99/month flat fee
• Up to 500 transactions/month
• Core fraud detection features
• Email support

b) Growth+ Plan

• $499/month flat fee
• Up to $1M GMV (1,000 transactions/month)
• Core fraud protection features
• RECOVR chargeback evidence assist — the merchant reviews and submits the evidence pack, and there is no recovery fee
• Email support

c) Professional Plan

• Custom quote, as set forth in your order form
• $1M-$5M GMV
• Full feature suite including Omnichannel Trust
• RECOVR chargeback evidence assist — the merchant reviews and submits the evidence pack, and there is no recovery fee
• Priority support

d) Business Plan

• Custom quote, as set forth in your order form
• $5M-$20M GMV
• Full platform access including Visual Search AI
• RECOVR chargeback evidence assist — the merchant reviews and submits the evidence pack, and there is no recovery fee
• Dedicated account manager

e) Enterprise/Global Plans

• Custom pricing based on requirements
• Tailored feature sets
• Enhanced compliance options

f) Founders Pricing (Annual)

• Founders Growth: $3,990/year
• Founders Pro Scale: $6,990/year
• Founders Pro Elite: $11,990/year
• RECOVR chargeback evidence assist — the merchant reviews and submits the evidence pack, and there is no recovery fee

4.2 Pricing

Current pricing is published on our website and within the Shopify App Store listing. Pricing is subject to change with thirty (30) days' notice for existing customers. New pricing takes effect immediately for new customers.

4.3 Billing Cycle

a) Subscription Fees

• Billed monthly in advance on the anniversary of your subscription start date
• Processed through Shopify's billing system for Shopify app customers
• Direct billing available for Enterprise and custom plans

b) Usage-Based Fees

• Add-on services (e.g., 21+ age verification) billed based on actual usage
• Overage charges for exceeding plan limits
• Billed at the end of each billing cycle

4.4 Payment Methods

Accepted payment methods include:

• Credit and debit cards (Visa, Mastercard, American Express, Discover)
• Shopify billing (for Shopify app customers)
• ACH/Bank transfer (Enterprise plans only)
• Invoice billing (Enterprise plans, subject to credit approval)

4.5 Taxes

All fees are exclusive of applicable taxes unless otherwise stated. You are responsible for all applicable taxes, levies, duties, or similar governmental assessments, including sales, use, value-added, or withholding taxes.

4.6 Late Payments

a) Grace Period

A seven (7) day grace period applies to failed payment attempts. During this period, we will attempt to collect payment and notify you of the failure.

b) Service Suspension

After the grace period, VerifyLive may suspend access to the Service until payment is received.

c) Late Fees

Overdue amounts may accrue interest at the rate of 1.5% per month or the maximum rate permitted by law, whichever is lower.

d) Collection Costs

You agree to pay reasonable collection costs, including attorney's fees, incurred in collecting overdue amounts.

4.7 Refund Policy

a) Monthly Subscriptions

Monthly subscription fees are non-refundable except where required by law.

b) Annual Subscriptions

Annual subscriptions may be eligible for pro-rata refunds within the first thirty (30) days if you are dissatisfied with the Service.

c) Disputed Charges

To dispute a charge, contact [email protected] within thirty (30) days of the charge.

4.8 Plan Changes

a) Upgrades

Plan upgrades take effect immediately. You will be charged a prorated amount for the remainder of the billing cycle.

b) Downgrades

Plan downgrades take effect at the start of the next billing cycle. No refunds are provided for the current cycle.

c) Feature Access

Access to tier-specific features terminates immediately upon downgrade.

4.9 Free, Trial, and Evaluation Periods

a) Availability

A free, trial, or evaluation period may be offered on eligible plans purchased directly from VerifyLive (for example, an evaluation period offered at sign-up on Growth+ or higher). Where a free or trial period is made available through a third-party marketplace (such as the Shopify App Store), that period is governed by the marketplace's billing configuration and the terms presented at enrollment, and may differ from the direct-purchase terms described here. Not all plans or sales channels include a free or trial period.

b) Detection During Free or Trial Periods

During any free, trial, or evaluation period, VerifyLive continues to provide real-time fraud detection and trust scoring and, where included in your plan, dispute evidence assistance. VerifyLive builds the evidence package; you review and submit it.

c) Automatic Conversion

Unless you cancel before the free or trial period ends, your account will automatically convert to the corresponding paid subscription as of the first paid billing date.

d) Trial Limitations

Free, trial, or evaluation periods may have limited features, transaction caps, or other usage limits communicated at enrollment.

e) Satisfaction Guarantee

Some plans may include a thirty-day satisfaction guarantee as described in Section 4.7.

5. Reserved

These Terms do not include a chargeback guarantee or chargeback reimbursement.

6. Acceptable Use Policy

6.1 General Restrictions

You agree not to use the Service to:

a) Illegal Activities

• Violate any applicable laws, regulations, or third-party rights
• Facilitate illegal transactions or money laundering
• Engage in fraud, deception, or misrepresentation
• Process transactions for illegal goods or services

b) Harmful Activities

• Transmit malware, viruses, or harmful code
• Attempt to gain unauthorized access to systems or data
• Interfere with or disrupt the Service or related infrastructure
• Circumvent security measures or access controls
• Engage in activities that could harm VerifyLive or other users

c) Abuse of Service

• Submit false or misleading verification requests
• Manipulate trust scores or fraud signals
• Use the Service to harm legitimate customers
• Reverse engineer, decompile, or disassemble the Service

6.2 Prohibited Industries

VerifyLive may refuse or terminate service to merchants in the following categories:

• Illegal products or services
• Adult content (unless age-verified)
• Illegal drugs or drug paraphernalia
• Weapons (firearms, ammunition, explosives)
• Counterfeit goods
• Gambling (where illegal)
• Ponzi schemes or fraudulent investment programs
• Multi-level marketing schemes
• Cryptocurrency mining or investment schemes
• Malware or hacking tools

This list is not exhaustive. VerifyLive reserves the right to refuse service to any merchant at its sole discretion.

6.3 Volume and Rate Limits

a) API Rate Limits

Each plan includes specific API rate limits. Exceeding these limits may result in:

• Throttling of API requests
• Temporary suspension of API access
• Overage charges

b) Monthly Order Limits

Exceeding your plan's monthly order limit may result in:

• Automatic upgrade to the next tier
• Service degradation
• Overage charges

6.4 Security Requirements

You agree to:

• Implement reasonable security measures for your systems
• Keep all software and integrations up to date
• Protect customer data in accordance with applicable laws
• Report security incidents affecting VerifyLive integration promptly
• Cooperate with security investigations

6.5 Monitoring

VerifyLive monitors Service usage to ensure compliance with these Terms. This monitoring may include:

• API call patterns and volumes
• Verification decision patterns
• Chargeback rates and patterns
• System access logs

6.6 Enforcement

Violations of this Acceptable Use Policy may result in:

• Warnings and notices
• Temporary suspension of Service
• Permanent termination of Service
• Legal action

7. Intellectual Property Rights

7.1 VerifyLive Intellectual Property

a) Ownership

VerifyLive owns all right, title, and interest in and to the Service, including but not limited to:

• The VerifyLive platform and all software components
• APIs, SDKs, and developer tools
• Machine learning models and algorithms
• Fraud detection methodologies
• Trust scoring systems
• User interface designs
• Documentation and training materials
• All patent applications, trademarks, trade secrets, and copyrights

b) Patent applications

The Service incorporates technology that is the subject of pending U.S. patent applications. Patent-pending status is notice only and does not confer a right to exclude until a patent issues. VerifyLive does not currently hold an issued U.S. patent.

c) Trademarks

The following marks are trademarks or registered trademarks of VerifyLive LLC:

• VerifyLive
• VerifiedHuman
• DeliveryShield
• RECOVR
• TrustCore
• Media Harold
• BenefitsGuard
• ExpenseGuard
• MinorSafety
• Snap2Shop

You may not use these marks without prior written consent from VerifyLive.

7.2 License Grant to Merchant

Subject to these Terms and payment of applicable fees, VerifyLive grants you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Service for your internal business purposes
• Integrate the Service with your e-commerce platform
• Use VerifyLive APIs and SDKs as documented
• Display VerifyLive trust badges and seals as permitted

7.3 License Restrictions

You may not:

• Sublicense, sell, or transfer access to the Service
• Modify, adapt, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble the Service
• Copy or reproduce any part of the Service except as authorized
• Remove or alter any proprietary notices
• Use the Service to develop competing products

7.4 Merchant Content

a) Ownership

You retain ownership of your data, including customer information, order data, and business records that you submit to the Service ("Merchant Content").

b) License to VerifyLive

You grant VerifyLive a worldwide, non-exclusive, royalty-free license to use, process, store, and transmit Merchant Content as necessary to provide the Service and improve our products.

c) Aggregate Data

VerifyLive may use aggregated, anonymized data derived from your use of the Service for:

• Improving the Service and fraud detection capabilities
• Cross-merchant trust network operations
• Industry benchmarking and analytics
• Research and development

7.5 Feedback

Any feedback, suggestions, or ideas you provide regarding the Service become the property of VerifyLive. We may use such feedback without restriction or compensation to you.

7.6 Open Source

The Service may incorporate open-source software components. Such components are licensed under their respective open-source licenses, and nothing in these Terms restricts your rights under those licenses.

8. Data Processing and Privacy

8.1 Privacy Policy

VerifyLive's collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you acknowledge that you have read and understood the Privacy Policy.

8.2 Data Controller/Processor Relationship

a) Merchant Data

For data you collect from your customers and submit to VerifyLive, you are the data controller and VerifyLive is a data processor acting on your behalf.

b) Service Data

For data VerifyLive collects directly through operation of the Service (e.g., merchant account information), VerifyLive is the data controller.

8.3 Data Processing Agreement

For merchants subject to GDPR, CCPA, or similar data protection regulations, a Data Processing Agreement (DPA) is available upon request and forms part of these Terms.

8.4 Merchant Obligations

You represent and warrant that:

a) Lawful Collection

All personal data you submit to VerifyLive was collected lawfully and with appropriate consent.

b) Privacy Notices

Your privacy policy adequately discloses the use of third-party fraud prevention services.

c) Data Accuracy

You will ensure personal data submitted is accurate and up to date.

d) Data Subject Rights

You will cooperate with VerifyLive in responding to data subject requests (access, deletion, correction, etc.).

8.5 VerifyLive Obligations

VerifyLive agrees to:

a) Data Security

Implement appropriate technical and organizational measures to protect personal data, including:

• Encryption in transit and at rest
• Access controls and authentication
• Regular security assessments
• Incident response procedures

b) Data Minimization

Collect and process only data necessary for providing the Service.

c) Data Retention

Retain personal data only as long as necessary for the purposes of the Service or as required by law.

d) Subprocessors

Use only subprocessors that provide sufficient data protection guarantees.

8.6 Cross-Merchant Trust Network

a) Anonymous Data Sharing

The cross-merchant trust network uses privacy-preserving techniques including:

• HMAC-SHA256 hashed identifiers
• No sharing of personally identifiable information between merchants
• Aggregated, anonymized signals only

b) Consumer Opt-Out

Consumers may opt out of cross-merchant data sharing by contacting [email protected].

c) Merchant Controls

Merchants can configure participation in the trust network, including:

• Contribute signals only
• Receive signals only
• Full participation
• Opt-out entirely

8.7 Data Breach Notification

In the event of a data breach affecting your data, VerifyLive will:

• Notify you without undue delay (and within 72 hours where required by GDPR)
• Provide information about the nature and scope of the breach
• Describe measures taken or proposed to address the breach
• Cooperate with your breach response obligations

8.8 International Data Transfers

VerifyLive may transfer data internationally. Where required, we rely on:

• Standard Contractual Clauses (SCCs)
• Adequacy decisions
• Other lawful transfer mechanisms

8.9 Data Export and Deletion

a) Data Export

You may request export of your data in a standard format (JSON, CSV) at any time through the Service or by contacting support.

b) Data Deletion

Upon termination, you may request deletion of your data. VerifyLive will delete your data within ninety (90) days, except where retention is required by law.

9. Disclaimers and Limitation of Liability

9.1 Service Provided "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. VERIFYLIVE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS
• UNINTERRUPTED OR ERROR-FREE OPERATION

9.2 No Guarantee of Results

a) Fraud Prevention

VERIFYLIVE DOES NOT GUARANTEE THAT THE SERVICE WILL:

• Detect or prevent all fraudulent transactions
• Eliminate all chargebacks
• Achieve any specific reduction in fraud rates
• Meet any specific accuracy threshold

b) Trust Scores

Trust scores and fraud recommendations are advisory in nature. Final transaction decisions remain your responsibility.

c) AI/ML Limitations

The Service uses artificial intelligence and machine learning, which may produce incorrect results. You acknowledge that:

• AI systems can make errors
• False positives and false negatives will occur
• Models are continuously evolving
• Past performance does not guarantee future results

9.3 Third-Party Services

The Service may integrate with third-party services (e.g., Shopify, payment processors, carriers). VerifyLive is not responsible for:

• Third-party service availability or performance
• Changes to third-party APIs or services
• Third-party terms of service or privacy practices
• Data processed by third parties

9.4 Limitation of Liability

a) Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VERIFYLIVE SHALL NOT BE LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• LOSS OF PROFITS, REVENUE, OR BUSINESS OPPORTUNITY
• LOSS OF DATA OR DATA CORRUPTION
• COST OF PROCUREMENT OF SUBSTITUTE SERVICES
• REPUTATIONAL HARM

REGARDLESS OF WHETHER VERIFYLIVE WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

b) Liability Cap

VERIFYLIVE'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED:

• The greater of: (i) fees paid by you in the twelve (12) months preceding the claim, or (ii) five thousand dollars ($5,000 USD)

THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, INCLUDING BREACH OF CONTRACT, TORT, NEGLIGENCE, AND STRICT LIABILITY.

c) Exceptions

The limitations above do not apply to:

• Liability arising from VerifyLive's gross negligence or willful misconduct
• VerifyLive's indemnification obligations under these Terms
• Liability that cannot be limited by law

9.5 Allocation of Risk

The limitations of liability reflect the allocation of risk between you and VerifyLive. The Service would not be economically feasible without these limitations.

9.6 Essential Purpose

THE LIMITATIONS OF LIABILITY SHALL APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

10. Indemnification

10.1 Merchant Indemnification

You agree to indemnify, defend, and hold harmless VerifyLive, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

a) Your Use of the Service

• Your use or misuse of the Service
• Your integration or implementation of the Service
• Your failure to comply with integration requirements

b) Your Content and Conduct

• Your Merchant Content
• Your business practices or customer relationships
• Your violation of any third-party rights
• Your products or services

c) Breach of Terms

• Your breach of these Terms
• Your breach of any representation or warranty
• Your violation of applicable laws or regulations

10.2 VerifyLive Indemnification

VerifyLive agrees to indemnify, defend, and hold harmless you from and against any third-party claims that the Service, as provided by VerifyLive, infringes any valid U.S. patent, copyright, or trademark, provided that:

• You promptly notify VerifyLive of the claim
• You give VerifyLive sole control of the defense and settlement
• You provide reasonable cooperation and assistance

10.3 Infringement Remedies

If the Service becomes, or in VerifyLive's opinion is likely to become, the subject of an infringement claim, VerifyLive may, at its option:

• Obtain the right for you to continue using the Service
• Modify the Service to make it non-infringing
• Replace the Service with a non-infringing equivalent
• Terminate the affected portion of the Service and refund prepaid fees

10.4 Exclusions

VerifyLive's indemnification obligations do not apply to claims arising from:

• Modifications to the Service by you or third parties
• Combination of the Service with non-VerifyLive products or services
• Your failure to use the latest version of the Service
• Use of the Service in violation of these Terms

10.5 Indemnification Procedure

a) Notice

The indemnified party must provide prompt written notice of any claim.

b) Control

The indemnifying party controls the defense and settlement of the claim.

c) Cooperation

The indemnified party must cooperate in the defense.

d) Settlements

No settlement that admits liability or imposes obligations on the indemnified party without consent.

11. Termination

11.1 Term

These Terms are effective from the date you first access the Service and continue until terminated by either party.

11.2 Termination by Merchant

a) Monthly Subscriptions

You may terminate your subscription at any time. Termination takes effect at the end of the current billing cycle.

b) Annual Subscriptions

Annual subscriptions may be terminated with thirty (30) days' notice. No refunds are provided for the remaining subscription period unless otherwise agreed.

c) Process

To terminate, contact [email protected] or cancel through the Shopify App Store.

11.3 Termination by VerifyLive

a) For Convenience

VerifyLive may terminate your subscription with thirty (30) days' notice. Prepaid fees will be prorated and refunded.

b) For Cause

VerifyLive may terminate immediately upon:

• Material breach of these Terms
• Non-payment of fees
• Violation of the Acceptable Use Policy
• Fraud or misrepresentation
• Excessive chargeback rates
• Illegal activity
• Bankruptcy or insolvency

c) Suspension

VerifyLive may suspend your access pending investigation of potential violations.

11.4 Effects of Termination

Upon termination:

a) Access

• Your access to the Service terminates immediately
• API keys and access tokens are revoked
• Integrations stop functioning

b) Data

• You may request export of your data for up to thirty (30) days
• VerifyLive will delete your data within ninety (90) days (except as required by law)
• Aggregate, anonymized data may be retained

c) Payments

• Outstanding fees become immediately due
• No refunds for partial billing periods (except as specified)

d) Survival

The following provisions survive termination:

• Payment obligations
• Confidentiality obligations
• Intellectual property provisions
• Disclaimers and limitations of liability
• Indemnification
• Dispute resolution
• Governing law

12. Dispute Resolution

12.1 Informal Resolution

Before initiating formal dispute resolution, you agree to contact VerifyLive and attempt to resolve any dispute informally. Most disputes can be resolved through customer support at [email protected] or [email protected].

12.2 Binding Arbitration

a) Agreement to Arbitrate

You and VerifyLive agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service through binding arbitration, rather than in court.

b) Arbitration Rules

Arbitration shall be conducted by JAMS under its Comprehensive Arbitration Rules and Procedures, as modified by these Terms.

c) Arbitration Location

Arbitration hearings shall take place in Kane County, Illinois (including Geneva or such other location in Kane County as the arbitrator or administering body may designate), or if proceedings cannot reasonably be convened in Kane County then in Chicago, Illinois, unless the parties agree otherwise.

d) Arbitrator Authority

The arbitrator has exclusive authority to resolve all disputes, including arbitrability. The arbitrator may award the same relief available in court.

e) Arbitration Fees

Each party pays its own arbitration fees, unless the arbitrator determines otherwise.

f) Confidentiality

Arbitration proceedings and awards are confidential.

12.3 Class Action Waiver

a) No Class Actions

YOU AND VERIFYLIVE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

b) No Consolidation

The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding.

12.4 Exceptions to Arbitration

The following claims are not subject to arbitration:

• Claims for injunctive relief to protect intellectual property
• Claims within small claims court jurisdiction
• Claims where arbitration is prohibited by law

12.5 Opt-Out

You may opt out of arbitration by sending written notice to [email protected] within thirty (30) days of first accepting these Terms. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

12.6 Modification of Arbitration Provisions

VerifyLive may modify these arbitration provisions with thirty (30) days' notice. Modifications do not apply to disputes that arose before the modification.

13. Governing Law

13.1 Choice of Law

These Terms and any dispute arising from or related to the Service shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of laws principles.

13.2 Jurisdiction

For any claims not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Kane County, Illinois.

13.3 International Use

If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws. VerifyLive makes no representation that the Service is appropriate or available for use in all locations.

13.4 Export Compliance

The Service may be subject to U.S. export control laws. You agree to comply with all applicable export and re-export restrictions.

13.5 Government Use

If you are a U.S. government entity, the Service is provided as "commercial computer software" or "commercial computer software documentation" as defined in FAR 12.212 and DFARS 227.7202.

14. Changes to Terms

14.1 Right to Modify

VerifyLive reserves the right to modify these Terms at any time. Material changes will be communicated through:

• Email notification to your registered email address
• In-app notification within the Service
• Prominent notice on our website

14.2 Notice Period

a) Material Changes

We will provide at least thirty (30) days' notice before material changes take effect.

b) Non-Material Changes

Non-material changes (clarifications, formatting) may take effect immediately upon posting.

14.3 Acceptance of Changes

Your continued use of the Service after the effective date of changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and terminate your subscription.

14.4 Disputes About Changes

Disputes about whether a change is material shall be resolved through the dispute resolution process in Section 12.

14.5 Version History

Previous versions of these Terms are available upon request to [email protected].

15. Contact Information

15.1 General Inquiries

VerifyLive LLC

[Address on file with registered agent]

Wilmington, Delaware, United States

15.2 Departmental Contacts

Department — Email

General Support — [email protected]

Sales — [email protected]

Billing — [email protected]

Legal — [email protected]

Privacy — [email protected]

Security — [email protected]

Enterprise — [email protected]

15.3 Legal Notices

Legal notices to VerifyLive must be sent to:

Email: [email protected]

Subject Line: Legal Notice - [Brief Description]

Legal notices are deemed received:

• If by email: upon confirmation of delivery
• If by mail: upon actual receipt

15.4 Support Hours

Standard support is available Monday through Friday, 9:00 AM to 6:00 PM Eastern Time, excluding U.S. federal holidays.

Enterprise customers with SLA agreements have access to 24/7 support as specified in their Service Level Agreement.

16. Order of Precedence

If you have accepted a VerifyLive Merchant Services Agreement (the "MSA"), and any provision of these Terms conflicts with the MSA, the MSA controls. These Terms continue to apply only to the extent they address matters not addressed in the MSA.

Miscellaneous Provisions

Entire Agreement

These Terms, together with the Privacy Policy, Data Processing Agreement (where applicable), and any other documents incorporated by reference, constitute the entire agreement between you and VerifyLive regarding the Service and supersede all prior agreements and understandings, except as provided in Section 16 (Order of Precedence). If you have accepted an MSA, the MSA controls in the event of conflict.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Waiver

The failure of VerifyLive to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by VerifyLive.

Assignment

You may not assign or transfer these Terms or your rights under them without VerifyLive's prior written consent. VerifyLive may assign these Terms freely in connection with a merger, acquisition, or sale of assets.

Force Majeure

VerifyLive shall not be liable for any failure or delay in performing its obligations due to circumstances beyond its reasonable control, including but not limited to: natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Notices

Except as otherwise specified, notices to you may be sent to the email address associated with your account. Notices to VerifyLive must be sent to [email protected].

Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and VerifyLive.

Third-Party Beneficiaries

These Terms do not confer any rights on any third party, except as expressly stated.

Headings

Section headings are for convenience only and do not affect interpretation of these Terms.

Language

These Terms are written in English. Any translations are provided for convenience only; the English version controls.

Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE SERVICE.

*Copyright (c) 2025-2026 VerifyLive LLC. All Rights Reserved.*

*VerifyLive, VerifiedHuman, DeliveryShield, TrustCore, and related marks are trademarks of VerifyLive LLC.*

*Patent pending.*