Terms & Conditions

These Terms & Conditions ("Terms") are an agreement between you and Livery ("Livery," "we," "us") covering your use of Livery, a payments platform for small businesses ("the Service"). By creating an account or using the Service, you accept these Terms on behalf of yourself and, if you use it for a business, that business.

If you do not agree to these Terms, do not use the Service.

You must be at least 18 years old and able to enter into a binding contract to use the Service. You are responsible for the accuracy of the information you provide, for keeping your login credentials safe, and for everything done under your account.

Team members you invite get their own logins with the roles you assign. You are responsible for who you give access to and for their use of the Service.

The business records and content you create in Livery — customers, invoices, checkout links, subscriptions, payment records, and files — belong to you. You grant us a limited license to store, process, and display that content solely to provide and improve the Service, as described in our Privacy Policy.

You are responsible for the content you upload and for having the rights and any necessary consents to store your customers' information in the Service. You can delete your account, and the records with it, at any time from Settings.

Use the Service only for lawful business purposes. Don't attempt to break, overload, reverse-engineer, or probe the Service; send spam or unlawful messages through it; upload malicious content; infringe anyone's intellectual property; or use it to violate anyone else's rights. You may not use the Service to sell goods or services that are illegal, or that are prohibited by our payment partner or the card networks. We may suspend or terminate accounts that put the Service, our partners, or other customers at risk.

Payments through the Service are processed by our payment partner under their own terms and merchant agreement, which you accept when you apply for a payment account. Your eligibility, approval, funding holds, payouts, chargebacks, and reserves are governed by the payment processor's merchant agreement and the applicable card-network and ACH rules, not by us.

Processing fees are disclosed during payment setup and on our pricing page. You are responsible for configuring your own prices, taxes, and any card surcharge in accordance with the laws and card-network rules that apply to your business, and for the goods and services you sell to your customers.

Money you collect from your customers flows through the payment processor to the bank account you provide during setup; it is never held in a Livery bank account. You are responsible for any refunds, disputes, and chargebacks arising from your transactions, including any amounts the processor recovers from your payouts to cover them.

Where you store a customer's payment method on file or enroll them in automatic or recurring charges, you are responsible for obtaining and keeping the authorizations the card networks and ACH rules require, and for honoring your customers' cancellation requests.

The Service integrates with third-party providers — including payment processing, email delivery, and accounting sync (such as QuickBooks Online) — to function. Your use of those features may be subject to the third party's terms, and we are not responsible for third-party services we do not control.

If you use the Livery API, you are responsible for keeping your API keys secret and for everything done with them. Don't use the API in a way that circumvents these Terms, exceeds documented rate limits, or interferes with the Service. We may rotate, suspend, or revoke keys that are compromised or abused.

The Service, including its software, design, and the Livery name and logo, is owned by Livery and protected by intellectual-property laws. These Terms don't grant you any rights in our brand or software except the limited right to use the Service. Your business's own name, logo, and content remain yours.

You may stop using the Service and delete your account at any time from Settings.

We may suspend or terminate any account, and decline to provide the Service to any business, at our sole discretion — with or without cause, and with or without prior notice. We are not required to give a reason, and no particular volume, history, or prior approval entitles a business to continued access.

In practice we exercise this for reasons including: a breach of these Terms or the Acceptable Use section above; a business type our payment partner, the card networks, or the law does not permit; information we cannot verify, or that turns out to be inaccurate; elevated refund, dispute, or chargeback activity; suspected fraud, money laundering, or use of the Service to collect payments the payer did not authorize; risk to us, to our payment partner, or to your customers; a request or requirement from our payment partner, a card network, a bank, or a regulator; or our discontinuing the Service or a feature.

We may also take action short of termination. That includes suspending your ability to charge cards, limiting features, delaying or withholding payouts, and holding funds in reserve while we investigate or for as long as we reasonably need to cover refunds, disputes, chargebacks, and fees you may owe. Where we are permitted to explain, we will.

On termination your right to use the Service ends immediately. You can export or delete your data beforehand, and we will handle anything remaining as described in our Privacy Policy. Your obligations for payments already processed — refunds, disputes, chargebacks, reversals, and fees — survive termination, and you remain responsible for them after your account closes. We are not liable to you or to anyone else for suspending or terminating an account in accordance with this section.

We work hard to keep Livery fast and reliable, but the Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free operation, and you are responsible for keeping your own records of business-critical information.

To the fullest extent permitted by law, Livery is not liable for indirect, incidental, special, or consequential damages — including lost profits, lost data, or lost business — arising from your use of the Service. Our total liability for any claim is limited to the fees you paid us for the Service in the twelve months before the claim.

You agree to indemnify and hold Livery harmless from claims, losses, and expenses arising out of your content, your use of the Service, the goods or services you sell to your customers, or your violation of these Terms or applicable law.

These Terms are governed by the laws of the State of Texas, USA, without regard to its conflict-of-laws rules. Any dispute that is not resolved informally will be handled by the state or federal courts located in Texas, and you consent to their jurisdiction.

We may update these Terms as the Service evolves. If we make a material change we will post the updated Terms here and update the date above; continuing to use the Service after a change means you accept the new Terms.

Questions about these Terms? Email [email protected].