Developer Terms of Service

Welcome to Invo. These Developer Terms of Service ("Terms" or "Agreement") govern your access to and use of the Invo platform, APIs, SDKs, documentation, dashboard, and related developer services (collectively, the "Service") provided by Invo Tech, Inc. ("Invo," "we," "us," or "our").

BY CLICKING "I AGREE," CREATING AN ACCOUNT, OR ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU ARE ENTERING INTO THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND SUCH ENTITY TO THESE TERMS.

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

1. Definitions

The following defined terms apply throughout this Agreement:

• "Developer" or "you" means the individual or entity that registers for and uses the Service.
• "Application" means any video game, software application, or digital product developed or operated by Developer that integrates with the Service.
• "Invo Technology" means Invo's APIs, SDKs, documentation, developer dashboard, transaction processing and settlement systems, and all related tools, updates, and modifications provided through the Service.
• "Invo-Backed Premium Currency" means digital premium currency balances designated by Invo as eligible for value portability across participating Applications, recorded and processed through the Invo Technology.
• "Value Portability" means the ability for end users ("Players") to use Invo-Backed Premium Currency balances across participating Applications.
• "Transaction" means any completed transfer, send, or eligible purchase processed through the Invo Technology and recorded in Invo's system of record.
• "Acceptance Rules" means Developer-configured settings that define whether and how Invo-Backed Premium Currency is accepted in an Application, including eligible items, pricing, limits, and restrictions.
• "Transfer Fee" means the fee charged by Invo on Transactions processed through the Service, as described in Section 6.
• "Settlement" means the periodic disbursement of fees and revenue shares owed to Developer for completed Transactions.
• "Player" means an end user of a participating Application who holds or uses Invo-Backed Premium Currency.

2. Eligibility and Account Registration

2.1 Eligibility

To use the Service, you must: (a) be at least 18 years old or the age of majority in your jurisdiction; (b) have the legal capacity to enter into a binding agreement; (c) not be prohibited from using the Service under applicable law; and (d) if acting on behalf of an entity, have authority to bind that entity.

2.2 Account Creation

You must create an account to access the Service. You agree to: (a) provide accurate, current, and complete registration information; (b) maintain and promptly update your account information; (c) maintain the security and confidentiality of your login credentials; and (d) accept responsibility for all activities under your account.

2.3 API Keys and Credentials

We may issue you API keys, tokens, or other credentials to access the Service. You are solely responsible for safeguarding these credentials and must treat them as Confidential Information. You must immediately notify Invo of any unauthorized use or suspected compromise of your credentials.

2.4 Account Verification

We may require identity verification, business documentation, or other information before activating your account or enabling certain features, including payment processing. Failure to provide requested information may result in limited access or account suspension.

3. The Service

3.1 Service Description

Invo provides a premium currency value portability platform that enables Players to use Invo-Backed Premium Currency balances across participating Applications. The Service functions as middleware that facilitates transaction processing, settlement, and reporting between participating Applications. Players can bring their premium currency balances into your Application, where you control what that currency can purchase, how it is priced, and where it is accepted through your Acceptance Rules.

3.2 Value Portability Only; No Transfer of Non-Currency Assets

The Service enables portability of premium currency value only. Unless separately agreed in writing, the Service does not transfer, port, migrate, or otherwise move:

• Gameplay progress or save data
• Skins, cosmetics, or visual customizations
• In-game items, weapons, equipment, or inventory
• Entitlements, passes, or subscriptions
• Unlocks, ranks, levels, or achievements
• Player accounts or account data
• Licenses to games or downloadable content
• Platform-specific rights or entitlements
• Any non-currency digital assets of any kind

3.3 Developer Control and Acceptance Rules

You retain full control over how Invo-Backed Premium Currency is accepted and used within your Application. Subject to your configuration and applicable platform policies, you control:

• Which storefronts, game modes, or item categories accept Invo-Backed Premium Currency
• Pricing and catalog configuration for items purchasable with Invo-Backed Premium Currency
• Whether acceptance is limited to your own portfolio of titles or open to the broader network
• Promotional rules, spending limits, and purchase gating
• Regional and geographic restrictions
• Platform-specific restrictions
• Whether to suspend or disable acceptance for security, abuse prevention, or technical reasons

3.4 Service Modifications

We may modify, update, or discontinue any part of the Service at any time. We will use reasonable efforts to provide advance notice of material changes that may adversely affect your integration. Features labeled "beta," "preview," or "experimental" are provided for testing purposes and may be modified or discontinued without notice. Beta features are provided without any warranty or support commitment. Continued use of the Service after changes constitutes acceptance of those changes.

4. License Grant

4.1 License to Developer

Subject to your compliance with these Terms, Invo grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to: (a) access and use the Service; (b) integrate the Invo Technology into your Application(s); and (c) use Invo's documentation solely for purposes of such integration.

4.2 Restrictions

You may not: (a) sublicense, sell, resell, transfer, or distribute the Service or any portion thereof; (b) modify, copy, or create derivative works of the Invo Technology except as necessary for integration; (c) reverse engineer, decompile, or disassemble the Invo Technology except to the extent permitted by applicable law; (d) access the Service to build a competitive product or service; (e) use the Service for any unlawful purpose; (f) interfere with or disrupt the integrity or performance of the Service; (g) attempt to gain unauthorized access to the Service or related systems; (h) use any robot, spider, scraper, or other automated means to access the Service beyond normal API usage; or (i) remove, alter, or obscure any proprietary notices on the Invo Technology.

4.3 Feedback

If you provide feedback, suggestions, or ideas about the Service ("Feedback"), you grant Invo a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, modify, incorporate, and otherwise exploit such Feedback in any manner without obligation or compensation to you.

5. Developer Obligations

5.1 Integration Requirements

You agree to: (a) integrate the Invo Technology in accordance with our documentation and technical requirements; (b) maintain compatibility with current versions of the Invo Technology; (c) implement appropriate user interface elements as required by our integration guidelines; and (d) test your integration before deploying to production.

5.2 Platform Compliance

You are solely responsible for ensuring your Application complies with all applicable platform policies, including but not limited to Apple App Store, Google Play, Steam, PlayStation, Xbox, Nintendo, and any other distribution platform or marketplace. Invo does not guarantee that the Service is compatible with any particular platform's policies, and you assume all risk related to platform compliance.

5.3 Legal Compliance

You are responsible for complying with all applicable laws and regulations, including consumer protection, data privacy, anti-money laundering, sanctions, export controls, and any laws applicable to virtual currencies or in-game economies in jurisdictions where your Application operates.

5.4 Player Disclosures

You must provide clear and accurate disclosures to Players regarding: (a) that Invo-Backed Premium Currency may be used across participating Applications; (b) any limitations on use, refunds, or transferability; (c) your privacy practices related to the integration; and (d) any other disclosures required by applicable law or platform policies.

5.5 Fraud Prevention

You agree to implement reasonable fraud prevention measures and promptly notify Invo of any suspected fraud, abuse, or security issues affecting your integration or Transactions.

5.6 Prohibited Uses

You may not use the Service in connection with:

• Illegal gambling or unlicensed gaming activities
• Money laundering, terrorist financing, or sanctions evasion
• Applications that violate applicable laws or third-party rights
• Applications primarily designed to manipulate or exploit the Invo economy
• Fraudulent activity, including wash trading, artificial volume generation, or exploitative botting
• Unauthorized attempts to bypass or circumvent other developers' Acceptance Rules
• Applications containing infringing, defamatory, or unlawful content
• Any activity that could harm Invo, other developers, or Players

6. Fees and Payment

6.1 Transfer Fees

Invo charges a Transfer Fee on Transactions processed through the Service. The current standard fee structure is as follows:

• Cross-Application Transfers: A 10% Transfer Fee applies to cross-application transfers, allocated as: (i) up to 3.5% to the origin ("losing") Application developer; (ii) up to 3.5% to the destination ("gaining") Application developer; and (iii) the remainder (typically 3.0%) retained by Invo.
• Same-Application Transfers (if enabled): The default allocation is 7.0% to Developer and 3.0% to Invo.

Transfer Fees apply to completed Transactions only and are collected automatically at the time of Transaction.

6.2 Fee Calculation

Fees are calculated on the gross amount of Invo-Backed Premium Currency value in the Transaction, excluding separately itemized taxes. Fees apply only to completed Transactions.

6.3 Reporting and Settlement

Invo will provide monthly reporting through the developer dashboard showing Transaction counts, volumes, and fee allocations. Settlements occur monthly within thirty (30) days after month-end, net of any refunds, reversals, or chargebacks.

6.4 Payment Information

You must provide accurate payment information (bank account, PayPal, or other supported method) to receive Settlements. You are responsible for any taxes applicable to payments you receive.

6.5 Payment Processing

Player payments are processed by third-party payment processors on behalf of the Service. Invo acts as a technology facilitator and software provider for Value Portability. Invo is not a bank, money transmitter, or custodian of player funds except to the extent required to facilitate Transactions and Settlements through the Service.

6.6 Refunds, Reversals, and Chargebacks

Completed Transactions may be subject to reversal or adjustment. Settlements are calculated net of refunds, reversals, and chargebacks. Invo may withhold, offset, or recoup Settlement amounts where fraud, dispute risk, or chargeback exposure exists. You are responsible for your own customer-facing refund policies and commitments unless otherwise agreed in writing.

6.7 Fee Changes

Invo may modify fees upon thirty (30) days' prior notice. Continued use of the Service after the effective date of a fee change constitutes acceptance. If you do not accept a fee change, you may terminate your account before the change takes effect.

7. Data and Privacy

7.1 Data Collection

Invo collects and processes data necessary to operate the Service, including Transaction data, account information, and usage analytics. Our Privacy Policy describes how we collect, use, and share data.

7.2 Developer Data Responsibilities

You are responsible for: (a) obtaining all necessary consents from Players for data processing related to your use of the Service; (b) complying with applicable privacy laws (including GDPR, CCPA, and others) for data you collect or process; and (c) maintaining appropriate data security measures.

7.3 Data Processing Agreement

If required by applicable law (e.g., GDPR), the parties will execute a Data Processing Agreement governing the processing of personal data. To request a DPA, contact Legal.

7.4 Security Incidents

You must promptly notify Invo (within 48 hours) of any security incident that may affect the Service, Player data, or Transaction integrity. Both parties will cooperate in investigating and remediating security incidents.

8. Intellectual Property

8.1 Invo IP

Invo and its licensors own all rights, title, and interest in the Service, Invo Technology, and all related intellectual property, including all software, algorithms, designs, documentation, and trade secrets. These Terms do not grant you any ownership rights in the Service.

8.2 Developer IP

You retain all rights, title, and interest in your Applications and content. Nothing in these Terms transfers ownership of your intellectual property to Invo.

8.3 Trademark Usage

Neither party may use the other's trademarks, logos, or branding without prior written consent. If Invo provides brand guidelines or approved assets, you must follow them. Invo may include your Application name and logo in lists of participating developers, unless you opt out in writing.

9. Confidentiality

9.1 Confidential Information

"Confidential Information" means non-public information disclosed by one party to the other that is marked confidential or should reasonably be understood as confidential, including but not limited to: API keys and credentials, technical documentation, integration materials, business terms, pricing and fee allocations, performance data, security procedures, non-public product roadmaps, and Settlement details.

9.2 Obligations

Each party agrees to: (a) protect the other's Confidential Information using at least reasonable care; (b) use Confidential Information only to perform under these Terms; and (c) not disclose Confidential Information to third parties except as permitted herein or with prior written consent.

9.3 Exclusions

Confidential Information does not include information that: (a) is or becomes publicly available without breach; (b) was known to the receiving party before disclosure; (c) is independently developed without use of Confidential Information; or (d) is rightfully received from a third party without confidentiality obligations.

9.4 Required Disclosures

A party may disclose Confidential Information to the extent required by law, regulation, or court order, provided the disclosing party gives reasonable prior notice (where legally permitted) to allow the other party to seek a protective order.

10. Suspension and Risk Controls

10.1 Right to Suspend

Invo may suspend, limit, delay, or reject any Transaction or access to the Service where Invo reasonably determines it is necessary for:

• Legal or regulatory compliance
• Fraud prevention or investigation
• Sanctions screening
• Platform-policy concerns
• Technical security risk
• Abuse of the Service or manipulation of the Invo economy
• Protection of Invo, other developers, or Players

10.2 Notice

Invo will use reasonable efforts to notify you of any suspension and the reasons for it, except where prohibited by law or where notice could compromise an investigation or create a security risk.

10.3 No Liability for Suspension

Invo shall not be liable for any losses arising from a good-faith suspension or delay under this Section.

11. Disclaimers

11.1 AS-IS Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. INVO DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11.2 No Guarantees

INVO DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (B) DEFECTS WILL BE CORRECTED; (C) THE SERVICE WILL MEET YOUR REQUIREMENTS; (D) THE SERVICE WILL BE COMPATIBLE WITH ANY PARTICULAR PLATFORM'S POLICIES; OR (E) ANY PARTICULAR LEVEL OF REVENUE, TRANSACTION VOLUME, OR BUSINESS RESULTS WILL BE ACHIEVED.

11.3 Beta Features

Features labeled "beta," "preview," or "experimental" are provided for testing purposes and may be modified or discontinued without notice. Beta features are provided without any warranty or support commitment.

12. Limitation of Liability

12.1 No Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY.

12.2 Liability Cap

INVO'S TOTAL AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID OR PAYABLE TO YOU BY INVO IN THE SIX (6) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100).

12.3 Exceptions

The limitations in this Section do not apply to: (a) either party's indemnification obligations; (b) either party's breach of confidentiality; (c) your breach of the license restrictions; or (d) either party's fraud or willful misconduct.

12.4 Basis of the Bargain

THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN INVO AND YOU.

13. Indemnification

13.1 Developer Indemnification

You agree to indemnify, defend, and hold harmless Invo and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your Applications or content; (b) your use of the Service in violation of these Terms; (c) your violation of applicable laws or third-party rights; (d) disputes between you and Players; (e) your failure to comply with platform policies; or (f) your failure to provide required Player disclosures.

13.2 Invo Indemnification

Invo will indemnify and defend you against third-party claims alleging that the Invo Technology (as provided by Invo) infringes such third party's intellectual property rights, and will pay any finally awarded damages or approved settlements, provided you: (a) promptly notify Invo of the claim; (b) give Invo sole control of the defense and settlement; and (c) provide reasonable cooperation.

14. Term and Termination

14.1 Term

These Terms are effective when you accept them and continue until terminated.

14.2 Termination by Developer

You may terminate your account at any time by providing written notice to Invo (email acceptable) and ceasing use of the Service. Termination is effective upon completion of any pending Transactions and Settlements.

14.3 Termination by Invo

Invo may terminate or suspend your access to the Service: (a) immediately if you breach these Terms; (b) immediately if required by law or to prevent harm to Invo, other developers, or Players; (c) immediately for suspected fraud, abuse, or security threats; or (d) upon thirty (30) days' notice for any other reason.

14.4 Effect of Termination

Upon termination: (a) all licenses granted hereunder terminate; (b) you must cease using the Service and delete any Invo Technology in your possession; (c) Invo will process any pending Settlements for completed Transactions within thirty (30) days, net of any refunds, reversals, or chargebacks; (d) each party must return or destroy the other's Confidential Information upon request; and (e) any outstanding fees or obligations owed by either party become immediately due.

14.5 Survival

The following Sections survive termination: 1 (Definitions), 6 (Fees and Payment, for accrued obligations), 7 (Data and Privacy), 8 (Intellectual Property), 9 (Confidentiality), 10 (Suspension and Risk Controls, for pending matters), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), 15 (Dispute Resolution), and 16 (General Provisions).

15. Dispute Resolution

15.1 Informal Resolution

Before filing any claim, you agree to attempt to resolve disputes informally by contacting Invo at Legal. If a dispute is not resolved within thirty (30) days, either party may proceed with formal dispute resolution.

15.2 Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service, including the breach, termination, enforcement, interpretation, or validity thereof (collectively, "Disputes"), shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules, except as modified by this Section.

15.3 Arbitration Procedures

The arbitration shall be conducted by a single neutral arbitrator and shall take place in Palm Beach County, Florida, unless another location is mutually agreed upon. The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

15.4 Class Action Waiver

YOU AND INVO 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 OR REPRESENTATIVE PROCEEDING. UNLESS BOTH YOU AND INVO AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

15.5 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights or Confidential Information.

15.6 Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. If for any reason a Dispute proceeds in court rather than through arbitration, both you and Invo consent to the exclusive jurisdiction and venue of the state and federal courts located in Palm Beach County, Florida.

16. General Provisions

16.1 Amendments

Invo may amend these Terms by posting updated Terms on our website and notifying you via email or the developer dashboard. Material changes will be effective thirty (30) days after notice. Continued use of the Service after the effective date constitutes acceptance. If you do not accept an amendment, you must terminate your account before it takes effect.

16.2 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or guidelines referenced herein, constitute the entire agreement between you and Invo regarding the Service and supersede all prior agreements on this subject.

16.3 Severability

If any provision of these Terms is held unenforceable, the remaining provisions will continue in effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

16.4 Waiver

Failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

16.5 Assignment

You may not assign or transfer these Terms without Invo's prior written consent. Invo may assign these Terms to an affiliate or in connection with a merger, acquisition, or sale of assets. Any attempted assignment in violation of this Section is void.

16.6 Independent Contractors

The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

16.7 Force Majeure

Neither party is liable for delays or failures due to causes beyond its reasonable control, including natural disasters, war, terrorism, strikes, government actions, pandemics, or internet or infrastructure failures, except that this does not excuse payment obligations.

16.8 Export Controls

You agree to comply with all applicable export and import control laws and regulations in your use of the Service. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

16.9 Notices

Legal notices to Invo must be sent to Legal. Notices to you will be sent to the email address associated with your account. Notices are effective upon receipt.

16.10 Third-Party Beneficiaries

These Terms are for the sole benefit of you and Invo and are not intended to confer third-party beneficiary rights upon any other person or entity.

17. Contact Information

If you have questions about these Terms or the Service, please contact us:

Invo Tech, Inc.
Email: Contact Support
Legal Inquiries: Contact Legal
Website: https://ourinvo.com
Developer Dashboard: https://console.invo.network

Acknowledgment

BY CLICKING "I AGREE," CREATING AN ACCOUNT, OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE DEVELOPER TERMS OF SERVICE.