These Terms of Service are drafted, executed, and legally governed under the English Language. Any translation is provided solely for convenience. In the event of any conflict, discrepancy, or dispute, the English version shall govern, control, and prevail in all legal and arbitration proceedings under United States law.
Universal Terms of Service & Mandatory User Policies
Effective Date: September 1, 2026 · State of Ohio Entity #5675255 · Jurisdiction: United States of America
Article I: Mandatory Acceptance & Deemed Amendments Validity
By accessing the platform, creating an account, authenticating via Google, generating a cryptographic vault, or requesting and using the CashGravity Visa Signature® Card, the User irrevocably agrees to be bound by these Terms of Service.
Article II: Promotional Rewards, Cashback & Perpetual Royalties ("Certain Conditions Apply" · Sustainability Shield)
All cashback (+2.0%), reward points, and referral commissions or royalties (+0.50% lifetime in USDT) are discretionary promotional benefits granted by commercial courtesy of CashGravity Global LLC. The term "perpetual", "lifetime", or "vitalicio" defines temporal continuity while the program remains active and does not constitute vested property rights, equity dividends, or immutable debt obligations.
Article III: Chargeback Immunity & Mandatory Commercial Arbitration
Every transaction authenticated via biometrics (Passkeys, Face ID, Titan M2 Fingerprint), Google Auth, or cryptographic signature constitutes an irrevocable commercial order. The User expressly waives any right to initiate bad-faith bank chargebacks and waives the right to participate in class actions (Class Action Waiver), agreeing to submit any unresolved dispute to binding commercial arbitration.
Article IV: Maximum Aggregate Liability Cap
Services are provided on an "AS-IS" and "AS-AVAILABLE" basis. CashGravity's maximum cumulative aggregate liability to any User shall not exceed the net fees paid by the User during the preceding thirty (30) days or the sum of $100.00 USD, whichever is less.
Article VI: Commercial Confidentiality (NDA), Trade Secrets & Referral Safe Harbor
1. Trade Secrets Protection: The User, Merchant, and Affiliate acknowledge that CashGravity's internal financial architecture—specifically including Merchant Cash Advance (MCA factoring formulas), perpetual affiliate royalty points (+0.50% lifetime USDT splits), and fee margin settlement algorithms—constitutes proprietary trade secrets protected under the Defend Trade Secrets Act of 2016 (18 U.S.C. § 1836) and federal commercial laws of the United States. Reverse engineering, scraping, or disclosure of these proprietary mechanics to competing financial entities, banks, or payment processors is strictly prohibited.
2. Express Authorization for Viral Referrals: Notwithstanding the confidentiality obligations above, Affiliates and Merchants are expressly licensed and authorized to communicate the benefits, rewards, and referral links (e.g., ?ref=VIPER) to direct contacts, friends, drivers, and prospective merchants for bona fide commercial recommendation purposes.
Article VII: Non-Custodial BaaS Infrastructure & Partner Banks Disclaimer
CashGravity Global LLC operates solely as a software and technology provider (BaaS under NAICS 541511). CashGravity is not a bank, not an insured depository institution, and does not provide money transmitter or money services business (MSB) activities directly. All banking accounts, custodial deposits, and payment card issuances are provided directly by FDIC-insured member partner banks (including Mercury Bank, Choice Financial Group, Lead Bank, and Column N.A.) and licensed payment networks. Funds deposited into partner bank accounts are insured by the FDIC up to legal limits through sweep network arrangements.
Article VIII: Corporate Concierge Services (Legal & Tax Disclaimer)
CashGravity's Corporate Concierge features (including assistance with US LLC formation via Bizee, EIN registration with the IRS, and D-U-N-S profiling) are strictly automated administrative and technological facilitation tools. CashGravity is not a certified public accounting firm (CPA), nor a law firm, and does not provide legal, tax, or investment advice. Users and VIP merchants remain solely responsible for consulting their own legal and tax advisors regarding compliance with IRS Form 5472/1120 filing and FinCEN Beneficial Ownership Information Reporting (BOIR).
Article IX: OFAC Sanctions, AML & Geographic Restrictions
CashGravity strictly enforces United States Department of the Treasury Office of Foreign Assets Control (OFAC) sanctions. The platform, Web POS, and digital card services are strictly unavailable to persons or entities located in, organized under, or resident of comprehensively sanctioned jurisdictions (including Cuba, Iran, North Korea, Syria, and occupied regions of Ukraine) or individuals listed on the Specially Designated Nationals (SDN) list.
Article X: Personal Data Protection & WhatsApp Receipts (Dominican Law No. 172-13)
In compliance with Law No. 172-13 on the Protection of Personal Character Data of the Dominican Republic, customer phone numbers and transaction details collected for automated electronic invoice delivery (e-CF) via WhatsApp or SMS are processed strictly for transaction receipt delivery. CashGravity does not sell, lease, or distribute customer contact data to third parties.
Article XI: Merchant KYC Verification, Lawful Data Processing & AML/CFT Safe Harbor (Dominican Laws 172-13 & 155-17)
In accordance with Article 7(d) of Dominican Law No. 172-13, the collection and processing of merchant and user identification records (ID/Cédula, Tax ID/RNC, physical location, WhatsApp contact, and payout bank details) is lawful without prior administrative license, as it derives directly from the commercial contract required to clear funds. Merchants warrant the authenticity of all submitted KYC data and assume exclusive legal, civil, and fiscal liability for transactions processed through their assigned Web POS. CashGravity Global LLC operates in full alignment with Law No. 155-17 (Anti-Money Laundering & Counter-Terrorist Financing) and US FinCEN regulations, maintaining immutable audit trails to ensure institutional safe harbor.
Article XII: Official Corporate Domain (cashgravity.app), IP Ownership & Ohio Cybersecurity Safe Harbor (SB 220)
The official, authenticated digital domain of the enterprise is https://cashgravity.app, operated solely by CashGravity Global LLC (Ohio Entity #5675255). All proprietary source code, payment facilitation workflows, smart contract algorithms, and brand assets are the exclusive intellectual property of the Company. Pursuant to the Ohio Data Protection Act (Ohio Senate Bill 220 / Ohio Revised Code Chapter 1354), CashGravity Global LLC implements and maintains an institutional cybersecurity program aligned with NIST CSF and CIS benchmarks, conferring full affirmative defense and statutory safe harbor against tort claims arising from cybersecurity breaches or third-party telecommunication interruptions. Official legal inquiries must be directed to legal@cashgravity.app.
Términos de Servicio y Políticas de Uso Obligatorias
Fecha de Entrada en Vigor: 27 de Agosto de 2026 · Traducción de Cortesía
Artículo I: Aceptación Obligatoria y Validez de Modificaciones
Al registrarse, iniciar sesión con Google o utilizar la tarjeta CashGravity Visa Signature®, el usuario acepta íntegramente estas políticas de uso.
Artículo II: Beneficios, Cashback y Regalías Perpetuas («Ciertas Condiciones Aplican»)
Todo cashback (+2.0%), puntos y comisiones o regalías por referidos (+0.50% de por vida) son beneficios e incentivos promocionales otorgados por mera cortesía comercial. El término «perpetuo» o «de por vida» define la continuidad temporal mientras el programa esté vigente, sin constituir derechos adquiridos, dividendos ni obligaciones inmutables.
Artículo III: Inmunidad a Contracargos y Arbitraje
Toda operación confirmada biométricamente es irrevocable. El usuario renuncia a contracargos bancarios indebidos y a demandas colectivas, sometiéndose a arbitraje comercial.
Artículo IV: Límite de Responsabilidad
La responsabilidad máxima de CashGravity queda limitada a las comisiones percibidas en los últimos 30 días o $100.00 USD (la cantidad menor).
Artículo V: Gobernanza de Datos y Cumplimiento Judicial en EE. UU.
CashGravity opera bajo una arquitectura Local-First no-custodial. En caso de requerimientos judiciales formales (Subpoena / Court Order) emitidos por tribunales competentes de EE. UU., CashGravity únicamente podrá suministrar certificados WORM de transacciones y registros fiscales. Ninguna autoridad podrá exigir la entrega de llaves privadas por imposibilidad técnica absoluta.
Artículo VI: Confidencialidad Comercial (NDA), Secretos Industriales y Autorización de Referidos
1. Protección de Secretos Comerciales: El Usuario, Comercio y Afiliado reconocen que los modelos internos de CashGravity—específicamente el Adelanto de Ventas (Factoring MCA con retención diaria), los Puntos y Regalías Perpetuas de Afiliación (+0.50% de por vida en USDT) y las Estructuras de Comisiones y Reparto—constituyen secretos comerciales e industriales protegidos bajo la ley federal de EE. UU. (18 U.S.C. § 1836 DTSA). Queda estrictamente prohibida su extracción o entrega a bancos o pasarelas competidoras.
2. Autorización Expresa para Referidos: Sin perjuicio de lo anterior, el Afiliado y Comercio están expresamente autorizados e incentivados a compartir verbalmente o por mensaje directo todos los beneficios y su enlace de afiliación (ej. ?ref=VIPER) con amigos, choferes y negocios prospectos con fines de recomendación comercial legítima.
Artículo VII: Infraestructura BaaS No Custodial y Descargo de Bancos Aliados
CashGravity Global LLC opera exclusivamente como proveedor de software e infraestructura tecnológica (código NAICS 541511). No es un banco ni transmisor de dinero. Todos los servicios de cuentas bancarias y emisión de tarjetas son provistos directamente por bancos aliados asegurados por la FDIC (Mercury Bank, Choice Financial Group, Lead Bank, Column N.A.).
Artículo VIII: Servicios de Asistencia Corporativa (Descargo Legal y Tributario)
Los servicios de asistencia corporativa (formación de LLCs, obtención de EIN y D-U-N-S) son herramientas de automatización administrativa y tecnológica. CashGravity no es una firma de abogados ni contadores públicos (CPA). El usuario y cliente VIP es responsable del cumplimiento de sus declaraciones anuales ante el IRS (Formularios 5472/1120) y reportes BOIR ante FinCEN.
Artículo IX: Cumplimiento de Sanciones OFAC y Prevención de Lavado
CashGravity aplica controles estrictos conforme a las directivas de la OFAC del Departamento del Tesoro de EE. UU., restringiendo el acceso a usuarios, comercios o transacciones originadas en jurisdicciones sancionadas (Cuba, Irán, Siria, Corea del Norte, etc.).
Artículo X: Protección de Datos Personales y Comprobantes WhatsApp (Ley 172-13 RD)
Conforme a la Ley No. 172-13 de la República Dominicana sobre Protección de Datos de Carácter Personal, los números telefónicos y datos de facturación e-CF recolectados para el envío de comprobantes digitales vía WhatsApp o SMS se manejan con estricta confidencialidad y no son comercializados con terceros.
Artículo XI: Verificación KYC de Comercios, Tratamiento Lícito de Datos (Ley 172-13 Art. 7) y Blindaje Anti-Lavado (Ley 155-17)
De conformidad con el Artículo 7, literal d) de la Ley No. 172-13 de la República Dominicana, la recolección y tratamiento de los datos de identificación (Cédula de Identidad, RNC, ubicación comercial, contacto de WhatsApp y cuenta bancaria de destino) es plenamente lícita y no requiere licencias estatales previas, al derivarse directamente de la relación contractual indispensable para liquidar fondos y ventas. El comercio afiliado certifica la veracidad de su expediente KYC y asume la total responsabilidad legal, penal y tributaria por los cobros efectuados en su datáfono Web POS. CashGravity Global LLC opera bajo el principio de Debida Diligencia de la Ley No. 155-17 contra el Lavado de Activos y normas FinCEN de EE. UU., gozando de inmunidad por debida custodia registral.
Artículo XII: Dominio Oficial Corporativo (cashgravity.app), Propiedad Intelectual y Safe Harbor de Ciberseguridad (Ohio SB 220)
El dominio digital oficial, canónico y autenticado de la corporación es https://cashgravity.app, de titularidad exclusiva de CashGravity Global LLC (Ohio Entity #5675255). Todo el software, interfaces del Web POS, algoritmos y marcas son propiedad intelectual registrada. De conformidad con la Ley de Protección de Datos de Ohio (Senate Bill 220 / Código Revisado de Ohio Capítulo 1354), la empresa mantiene un marco de ciberseguridad industrial alineado con estándares NIST y CIS, otorgándole a CashGravity Global LLC una defensa afirmativa legal (*Affirmative Defense Safe Harbor*) que exime de responsabilidad por ciberataques imprevistos o caídas de redes de terceros. Para consultas legales oficiales: legal@cashgravity.app y compliance@cashgravity.app.
Consent to Use of Electronic Signatures (E-Sign Consent)
By applying for or using the CashGravity Spend Card, Web POS, or digital wallet, you expressly consent to electronically receive, access, sign, and authorize all legal disclosures, agreements, contracts, and notices. You verify that you possess the hardware and software required to access and retain electronic records.
CashGravity Spend Card Terms & Disclosures
Reverse Solicitation Safe Harbor: The cardholder certifies under penalty of perjury that applying for this card is done by their own unsolicited initiative (Reverse Solicitation), that they are not an OFAC-sanctioned individual, and that CashGravity Global LLC holds the sovereign right to amend policies, limits, and fees at company convenience.
Sovereign Privacy Policy (Zero Data Selling)
CashGravity Global LLC strictly prohibits the sale or commercialization of user data. We employ zero invasive tracking pixels, AES-256-GCM cryptographic vaults, and immutable WORM logs. KYC verification is executed solely for mandatory anti-money laundering (AML/CFT) and OFAC compliance.
Account Opening Privacy Notice (GLBA Federal Disclosure)
In accordance with the federal Gramm-Leach-Bliley Act (15 U.S.C. § 6801-6809), CashGravity Global LLC discloses its sharing practices: we share data solely for everyday business purposes (transaction clearing, Visa settlement, fraud prevention) and own promotional marketing. We NEVER share data with non-affiliates to market to you.