Terms of service

1. Who we are

These terms are an agreement between you and NORVIK LLC ("NORVIK", "we", "us"). Our registered details are on the company information page.

NORVIK LLC is a software company. It is not a bank, payment institution, money transmitter or money services business and does not provide financial services.

2. The service

NORVIK provides checkout software, a merchant dashboard, a merchant CRM, an API, webhooks and software development kits (together, the "platform"). The platform routes each payment to a regulated third-party payment provider or acquiring partner (the "payment partner"). Payment processing, currency conversion, custody of funds, settlement, payouts and any reserve are performed by the payment partner under its own terms, which you accept separately when your account with it is opened. NORVIK never holds, transmits or settles funds.

3. Accounts

You must provide accurate information when opening an account and keep it current. You are responsible for all activity under your account and for keeping your API keys and credentials confidential. Tell us at contact@norvik.club as soon as you suspect unauthorised use.

4. Platform fees

Platform fees are those published on our pricing page or agreed with you in writing, and are invoiced by NORVIK LLC for the use of the software. Payouts, reserves, holds and any processing fees are applied by the payment partner under its own terms, which you accept separately. The dashboard displays the statements the payment partner issues; it does not itself move money.

5. Merchant CRM and customer data

Customer records created in the merchant CRM are built from the payments you accept and from information you add. We process this data on your behalf and on your instructions. You remain responsible for your customers' data, including having a lawful basis to collect it, keeping it accurate and honouring your customers' rights. You may export your records at any time.

6. Your obligations

• Use the platform only for lawful business activity and in line with our acceptable use policy.
• Provide accurate descriptions and prices to your customers and honour your refund terms.
• Respond to the payment partner's dispute and evidence requests within the deadlines shown in your dashboard.
• Comply with the laws that apply to your business, including tax, consumer and data protection laws.

7. Term and termination

There is no minimum term. You may close your account at any time. We may suspend or close an account for breach of these terms, at the request of the payment partner, or where required by law, and will tell you why unless prevented from doing so. Any amounts due to you after closure are paid by the payment partner under its own terms, once its reserve period and open disputes have concluded.

8. Availability and changes

We aim to keep the platform available at all times but do not guarantee uninterrupted service except where a service level agreement is part of your plan. We may change or withdraw features with reasonable notice.

9. Liability

To the extent permitted by law, NORVIK LLC is not liable for indirect or consequential losses, loss of profit or loss of data, and our total liability for any claim arising from these terms is limited to the fees you paid us in the twelve months before the claim arose. Nothing in these terms excludes liability that cannot be excluded by law.

10. Governing law

These terms are governed by the laws of the Commonwealth of Kentucky. The courts located in Kentucky have exclusive jurisdiction over any dispute arising from them.

11. Contact

Questions about these terms: contact@norvik.club.