Last updated: May 12, 2026
This document is provided in English only. If a translated version is made available in the future, the English version will control in the event of any conflict.
These Terms of Service (“Terms”) are a legally binding agreement between you (“you” or “User”) and Novu (“Novu,” “we,” “us,” or “our”). By accessing or using the Novu platform, website, mobile applications, APIs, NFC checkout experiences, or any related services (collectively, the “Service”), you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.
You must be at least 18 years old and capable of forming a binding contract under applicable law to use the Service. By using the Service, you represent and warrant that you meet these requirements. If you are using the Service on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.
To access certain features, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials, including any one-time passcodes (“OTPs”) and authentication tokens. You agree to notify us immediately of any unauthorized use of your account. Novu is not liable for any loss or damage arising from your failure to protect your account credentials.
Novu provides a technology platform that enables merchants to accept USDC stablecoin payments on the Base blockchain network via NFC-enabled checkout experiences. The Service includes, but is not limited to:
Novu acts solely as a technology platform that facilitates cryptocurrency payment transactions between merchants and customers. Novu is not a party to the underlying transaction between a merchant and a customer. Novu is not a bank, money transmitter, money services business, securities broker, or financial institution. Novu does not hold, custody, or control your funds at any point during the payment process.
The merchant is solely responsible for the goods or services sold, including their quality, legality, and delivery. Any disputes regarding goods or services must be resolved directly between the merchant and the customer.
By using the Service, you acknowledge and accept the following risks associated with cryptocurrency and blockchain-based transactions:
Novu may charge fees for certain features of the Service, including subscription plans, transfer fees, and off-ramp conversion fees. All applicable fees will be disclosed to you before you complete a transaction or subscribe to a plan. Novu reserves the right to change its fee structure at any time with reasonable advance notice. Fees are non-refundable except as expressly stated in these Terms or required by applicable law.
Novu enables merchants to convert USDC to USD and withdraw funds to a linked bank account through third-party off-ramp providers. These services are subject to additional terms, identity verification requirements (KYC/AML), and processing times imposed by the third-party provider. Novu is not responsible for delays, holds, or rejections by the off-ramp provider or your financial institution.
The Service allows merchants to create and administer loyalty programs, and customers to enroll in and participate in those programs. By enrolling in a merchant's loyalty program, you agree to the following:
If you use check-in or visit verification features, you agree to provide accurate information. We may record the time, approximate location, device identifiers, or other signals associated with a check-in to confirm program eligibility and detect fraud. Fraudulent or abusive activity — including falsifying check-ins, using automated tools, or exploiting program mechanics — may result in forfeiture of rewards, removal from a loyalty program, or termination of your account.
You agree not to:
The Service and all content, features, functionality, software, text, graphics, logos, and trademarks contained therein are owned by Novu or its licensors and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose, subject to these Terms. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.
The Service integrates with or relies on third-party services, including blockchain networks, wallet providers, payment processors, off-ramp providers, and communication services. Your use of these third-party services is subject to their respective terms of service and privacy policies. Novu is not responsible for the availability, accuracy, or performance of any third-party service, and does not endorse or assume liability for any third-party content or services.
Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, and share your personal information. By using the Service, you consent to our data practices as described in the Privacy Policy.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. NOVU DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NOVU MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE VALUE, STABILITY, OR LEGALITY OF ANY DIGITAL ASSET OR CRYPTOCURRENCY.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOVU AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR DIGITAL ASSETS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.
IN NO EVENT SHALL NOVU'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO NOVU IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS ($100), WHICHEVER IS GREATER.
You agree to indemnify, defend, and hold harmless Novu and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your violation of any third party's rights; or (e) any content or data you submit through the Service.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Informal Resolution. Before initiating any formal dispute proceeding, you agree to first contact us at legal@novu.fast and attempt to resolve the dispute informally for at least thirty (30) days.
Binding Arbitration.If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration shall take place in the State of Delaware or, at your election, may be conducted remotely (by telephone, videoconference, or online). The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class Action Waiver.YOU AND NOVU 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, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.
Exceptions. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.
We may update these Terms from time to time by posting a revised version on this page with an updated “Last updated” date. For material changes, we will provide reasonable notice (such as email notification or a prominent notice within the Service) at least thirty (30) days before the changes take effect. Your continued use of the Service after the updated Terms take effect constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service.
You may terminate your account at any time by contacting us. Novu may suspend or terminate your access to the Service immediately, without prior notice, if we reasonably believe you have violated these Terms, engaged in fraudulent or illegal activity, or pose a risk to the security or integrity of the Service. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination (including Sections 5, 6, 12, 15, 16, 17, 18, and 21) shall survive.
These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws principles.
If you have any questions about these Terms, please contact us at legal@novu.fast.