Terms and Conditions

Welcome to Loyva. These Terms of Service (“Terms”) govern your access to and use of Loyva.io (the “Website”) and our services. By accessing or using our services, you agree to these Terms.

Acceptance of Terms

By using our Website and services, you agree to comply with these Terms and our Privacy Policy. If you do not agree, do not use our services.

Use of Services

You may use Loyva’s services only for lawful purposes. You agree not to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Use automated means to access our Website without authorization
• Distribute malware,
• Engage in unauthorized data collection or scraping activities

Account Registration

To access certain features, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials.

Payments and Fees

If you subscribe to paid services, you agree to:

• Pay all applicable fees as stated at checkout
• Provide accurate billing information
• Authorize us to charge your payment method

Payments are non-refundable unless explicitly stated.

Compliance with Laws and Regulations

Loyva operates in full compliance with applicable federal, state, and industry regulations, including but not limited to:

• Data Protection Laws: Compliance with GDPR, CCPA, and other applicable data protection regulations.
• Electronic Transactions: Adherence to the Uniform Electronic Transactions Act (UETA) and the Electronic Signatures in Global and National Commerce Act (E-SIGN).
• Financial Regulations: Compliance with applicable lending, leasing, and financial industry regulations.

Secure Document Storage

All electronic documents, including eNotes, contracts, and ancillary files, are securely stored in compliance with industry standards. Loyva partners with leading cloud storage providers to ensure data is encrypted both in transit and at rest. Users are responsible for maintaining the confidentiality of their access credentials and ensuring the security of their accounts.

Cybersecurity Measures

Loyva implements advanced cybersecurity measures to protect user data, including but not limited to:

• Encryption: All sensitive data is encrypted using industry-standard encryption protocols.
• Multi-Factor Authentication (MFA): Users may be required to authenticate their identities using multiple verification methods.
• Regular Security Audits: Loyva conducts routine security assessments to identify and address vulnerabilities.
• Access Controls: Strict role-based access control policies ensure that only authorized personnel can access sensitive data.

User Responsibilities

Users must ensure the accuracy and legality of the documents they submit, store, or process through the platform. Users agree not to engage in fraudulent activities or unauthorized access to data. Any suspicious activity should be reported to Loyva’s security team immediately.

Data Privacy and Confidentiality

Loyva respects user privacy and does not sell, share, or distribute personal data without consent, except as required by law. Users have the right to request access, modification, or deletion of their personal information in accordance with applicable privacy laws.

Liability and Disclaimers

Loyva provides services “as is” and makes no warranties regarding:

• The accuracy or reliability of content
• The uninterrupted or error-free operation of the Website
• The suitability of our services for your needs

To the fullest extent permitted by law, Loyva is not liable for any direct, indirect, or incidental damages arising from your use of our services.

Termination

We reserve the right to suspend or terminate your account if you violate these Terms.

Governing Law and Disputes

These Terms are governed by the laws of Delaware, USA. Any disputes shall be resolved through arbitration or in courts located in Delaware.

Changes to These Terms

We may update these Terms periodically. Continued use of our services constitutes acceptance of the revised Terms.

Contact Information

For any questions regarding these Terms, please contact:
Loyva, LLC
Email: support@loyva.io