Effective Date: 07/08/2025
These Terms of Service govern your access to and use of the services provided by Gravv (“Gravv Services”). By signing up, using the platform, or accessing any services, you agree to be bound by these Terms. If you do not agree, you must not use the services.
Gravv delivers its services through a Business-to-Business-to-Consumer (B2B2C) framework. We enable businesses ("Merchants") to embed our wallet and virtual account infrastructure within their platforms, allowing them to offer fiat and stablecoin solutions to their own users ("End Users"). Gravv does not operate as a bank and does not accept or hold customer deposits. All payment and compliance-related activities are carried out in collaboration with licensed financial institutions and other third-party providers ("Payment Partners").
These Terms govern the use of our services by Merchants, End Users, and define our operational relationship with Payment Partners supporting or facilitating the Gravv platform.
By accessing or using the Gravv Services, you agree to be bound by these Terms. If you are accessing the Gravv Services on behalf of a business (a "Business User"), these Terms apply to both you and the business.
Our Privacy Policy explains how we collect and use personal data you share with us. Each time you visit our website, apply for an account with us ("Gravv Account"), or use the Gravv Services, you consent to our collection, use, and disclosure of your personal data as outlined in our Privacy Policy. Your consent applies for as long as you use the Gravv services.
To be eligible to use Gravv’s services, a Merchant must:
The individual signing up on behalf of the Merchant represents and warrants that they have full authority to bind the Merchant to these Terms and to manage its use of Gravv’s services.
As a regulated financial services facilitator, Gravv must verify the identity of all Merchants. This includes collecting documents and data required under applicable laws, such as:
Merchants are responsible for the security of their Gravv account credentials, API keys and any integrations. Gravv is not liable for unauthorized access resulting from the Merchant’s failure to safeguard their systems.
If a Merchant suspects unauthorized access or a security breach, they must notify Gravv immediately via support@grav.io Gravv may take immediate action to restrict access and investigate the issue.
Gravv employs various safeguards to secure its systems, including access controls, encryption and fraud monitoring. However, no system is completely immune to risk, and Merchants agree to implement reasonable internal safeguards on their own systems.
Each merchant will be assigned one or more virtual wallets or bank accounts, depending on use case and corridor availability. Funds received into the wallet may be used for payouts, held for settlement, or returned as applicable. Gravv does not offer interest-bearing accounts or deposit protection. Wallets are custodial in nature and may be held in pooled or segregated structures depending on local requirements.
Merchants may use the Gravv platform to receive funds via methods approved by Gravv (e.g., bank transfers, cards, local payment methods). Merchants must not use the platform for cash deposits, anonymous payments, or prohibited industries. All pay-ins are subject to fraud, AML and compliance checks. Funds will not be credited until they are cleared and confirmed.
Merchants may initiate payout instructions through API or dashboard. Payouts may be routed through multiple providers and corridors based on real-time decisioning. Gravv is not liable for delays or failures caused by partner banks, payment service providers, or incorrect (beneficiary) end user information. Merchants must ensure that end user (beneficiary) details are correct and that the purpose of the payout complies with applicable laws.
Gravv may impose limits on the volume, frequency, or size of transactions, either on a per-user or aggregate basis, to comply with regulatory requirements, ensure platform integrity, or manage risk. Merchants may request adjustments to such limits subject to Gravv’s review and approval.
Gravv reserves the right to decline, delay, or reverse any transaction that appears suspicious, violates these Terms, exceeds preset limits, or is otherwise inconsistent with applicable laws or policies.
Gravv integrates with licensed Infrastructure Partners who provide the technical and regulatory framework required to open and operate accounts or wallets. By using the Gravv platform, the Merchant acknowledges that account and wallet creation is enabled through third-party financial institutions or licensed entities, and such partners may impose their own terms, KYC obligations, and transaction controls.
Gravv is not responsible for any delay or failure by its Infrastructure Partners to execute services, provided such failure is not due to Gravv’s gross negligence or willful misconduct.
Gravv endeavors to ensure the availability and functionality of the platform at all times. However, access may occasionally be restricted or suspended for maintenance, updates, or circumstances beyond Gravv’s control. Where possible, advance notice will be provided.
Gravv is not liable for unavailability or disruption caused by Infrastructure Partners, internet service providers, or third-party service failures.
Gravv supports wallets and transactions in U.S. Dollars (USD) and may support other fiat or digital currencies subject to regulatory approval. Gravv reserves the right to add or remove supported currencies at its discretion, with or without notice.
Merchants may access Gravv Services via the API or Merchant Dashboard. Gravv grants Merchants a limited, non-exclusive, non-transferable license to use its API and platform solely for the purpose of enabling the authorized use of its services. Misuse, reverse engineering, or unauthorized reproduction is strictly prohibited.
Gravv may, at its discretion, offer white-label solutions enabling Merchants to embed Gravv’s wallet and transaction capabilities within their own platforms under their own branding. Merchants remain responsible for end-user onboarding, disclosures, and regulatory compliance, including but not limited to Know Your Customer (KYC) requirements unless explicitly agreed otherwise in writing.
Gravv may charge fees for wallet issuance, account maintenance, transaction processing, currency conversion and other services offered through the platform. A schedule of applicable fees is made available to Merchants via the Merchant Dashboard or through a separate fee agreement.
Gravv reserves the right to amend fees at any time with at least seven (7) days’ written notice to affected Merchants.
Unless otherwise agreed, all fees are deducted directly from the Merchant’s wallet balance or invoiced on a monthly basis. Merchants agree to maintain sufficient wallet balances to cover applicable fees. Failure to maintain sufficient balance may result in suspension of services.
All fees are payable in U.S. Dollars (USD), exclusive of applicable taxes. Merchants are solely responsible for determining and paying any taxes arising from their use of Gravv services. If Gravv is required to withhold any taxes, such amounts shall be deducted from the Merchant’s account and remitted to the appropriate authority.
Fees charged by Gravv are non-refundable unless explicitly stated otherwise. Merchants must notify Gravv of any billing disputes within thirty (30) days of the charge date. Failure to do so waives the right to contest such charges.
Invoiced amounts not paid when due may accrue interest at the rate of 1.5% per month (or the highest rate allowed by law), compounded monthly. Gravv may suspend services for non-payment and may refer accounts to collections if necessary.
Merchants are solely liable for any chargebacks, payment reversals, refunds, or transaction disputes initiated by end users or third-party financial institutions. If Gravv is required to return any funds as a result of such actions, the corresponding amount will be debited from the Merchant’s wallet. Gravv reserves the right to suspend or limit access to services in the event of excessive or suspicious chargeback activity.
Merchants shall use the Gravv platform and services solely for lawful and authorized business activities. Merchants agree not to engage in or facilitate any illegal, fraudulent, or unauthorized transactions through the Gravv platform. Merchants are responsible for ensuring that their business practices and the activities of their End Users comply with all applicable laws, regulations, and these Terms.
Merchants are responsible for conducting appropriate Know Your Customer (“KYC”) and Customer Due Diligence (“CDD”) procedures on their End Users, consistent with applicable legal and regulatory requirements. Merchants must implement risk-based measures to verify the identity of their End Users and monitor transactions for suspicious activity.
Merchants warrant that all information and data provided to Gravv, including but not limited to Merchant details, End User information and transaction data, is accurate, complete and current. Merchants must promptly update any information that changes. Failure to maintain accurate data may result in suspension or termination of services.
Merchants agree to fully cooperate with Gravv, its Infrastructure Partners, and any relevant regulatory or law enforcement authorities in connection with investigations into suspicious, fraudulent, or unlawful activity. This cooperation includes providing requested information, access to records, and facilitating audits or reviews as required. Merchants acknowledge that failure to cooperate may result in suspension or termination of services and potential legal consequences.
Merchants and their End Users must not use the Gravv platform for any of the following activities:
Gravv reserves the right to determine in its sole discretion whether any activity falls within a prohibited use case.
Gravv does not provide services to Merchants engaged in certain business activities that are deemed prohibited due to legal, regulatory, or risk concerns. These include, but are not limited to:
Gravv may update the list of prohibited businesses at any time, and such updates will be binding upon notice or continued use of the services.
Gravv may designate certain categories of transactions as high-risk based on volume, geography, business model, or legal exposure. Merchants engaging in high-risk transactions may be subject to additional due diligence, transaction limits, delayed settlement, or denial of service. Gravv reserves the right to decline or reverse any transaction that it determines, in its sole discretion, to present undue risk to Gravv, its Infrastructure Partners, or its regulatory obligations.
Gravv collects, processes, and stores data provided by Merchants, their authorized users and End Users in connection with the provision of its services. This includes personal data, transaction data, technical usage data and communications data. Gravv uses this data solely to operate, maintain and improve the services, fulfill contractual obligations, comply with legal requirements, and prevent fraud and misuse.
Merchants agree to obtain all necessary consents and provide appropriate notices to End Users whose personal data may be submitted to or processed through the Gravv platform. Merchants represent and warrant that they have lawful grounds to provide such data to Gravv and authorize Gravv to process it in accordance with applicable laws and the Gravv Privacy Policy. Gravv acts as an independent data controller with respect to data it collects directly from Merchants and End Users.
Gravv complies with applicable data privacy laws, including the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), and other relevant U.S. federal and state privacy regulations. Merchants are responsible for ensuring their own compliance with these laws, including in their interactions with End Users. Where applicable, data subject rights such as access, correction, deletion, and portability will be honored in accordance with the law and Gravv’s Privacy Policy.
In the event of a confirmed data breach involving personal data under Gravv’s control, Gravv will notify affected Merchants without undue delay and provide information regarding the nature of the breach, affected data categories, mitigation steps taken, and any recommended actions. Merchants agree to cooperate with Gravv in managing such incidents and in fulfilling any related regulatory or legal obligations.
All rights, title, and interest in and to the Gravv platform including but not limited to the API, software, website, dashboard, documentation, and all associated intellectual property are and shall remain the exclusive property of Gravv and its licensors. No rights are granted except as expressly set forth in these Terms.
Subject to these Terms, Gravv grants Merchants a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Gravv services solely for their internal business purposes in connection with the authorized use of Gravv’s platform. This license does not include any right to modify, distribute, sublicense, or reverse engineer any part of the platform.
Merchants shall not (and shall not permit any third party to):
Gravv welcomes feedback and suggestions from Merchants to improve its services. Merchants agree that any ideas, comments, or suggestions submitted to Gravv are provided voluntarily and without restriction, and that Gravv may use such feedback without obligation or compensation.
Gravv reserves the right to audit or inspect, directly or through a designated third party, a Merchant’s use of the Gravv platform to ensure compliance with these Terms, applicable laws, and regulatory obligations. Audits may be conducted with reasonable advance notice and during normal business hours, provided such inspections do not unreasonably interfere with the Merchant’s operations.
Merchants must maintain complete, accurate, and up-to-date records related to their use of the Gravv services, including customer due diligence records, transaction data, and any consents or authorizations obtained from End Users. Such records must be retained for a minimum of five (5) years or as required by applicable law.
Merchants shall fully cooperate with any audit or compliance inquiry initiated by Gravv, including by providing access to relevant records, systems, personnel, and premises, as reasonably requested. Failure to cooperate or repeated findings of non-compliance may result in suspension or termination of access to the Gravv platform.
Gravv may suspend or terminate a Merchant’s access to the platform, in whole or in part, immediately and without prior notice if:
The Merchant may terminate its use of Gravv services by providing thirty (30) days’ written notice to Gravv, subject to the settlement of all outstanding fees, obligations, and chargebacks. Termination does not relieve the Merchant of any liabilities incurred prior to the effective date of termination.
Upon termination, the Merchant’s access to the platform will be deactivated. Gravv may retain data and records as required by law and in accordance with its Privacy Policy. Any licenses granted under these Terms shall immediately terminate and the Merchant must cease all use of the Gravv platform. Sections that by their nature should survive termination such as confidentiality, indemnification, limitation of liability, and dispute resolution shall remain in effect.
Gravv provides the platform and related services “as is” and “as available” without warranties of any kind, whether express, implied, statutory or otherwise. Gravv specifically disclaims all implied warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. Gravv does not warrant that the services will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, Gravv shall not be liable to the Merchant or any third party for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data loss, or business interruption, arising out of or relating to the use or inability to use the services even if Gravv has been advised of the possibility of such damages. Gravv’s total aggregate liability arising from or relating to these Terms shall not exceed the total fees paid by the Merchant to Gravv in the twelve (12) months preceding the event giving rise to the claim.
The Merchant agrees to indemnify, defend, and hold harmless Gravv, its affiliates, and their respective officers, directors, employees, and agents from and against all claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising from:
In the event of any dispute, claim, or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof (“Dispute”), the parties shall first attempt in good faith to resolve the Dispute promptly through direct negotiation between senior representatives of each party. If the parties are unable to resolve the Dispute within Thirty (30) days of written notice of the Dispute, either party may initiate Arbitration in accordance with the Commercial arbitration rules of the American Arbitration Association. The arbitration shall be conducted by a single arbitrator, virtually and in the English Language. Judgment on the arbitration award may be entered in any court of competent jurisdiction.
Each party agrees that any claim shall be brought solely in its individual capacity, and not as a class action or other representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of a class or representative proceeding.
This Agreement shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of laws principles.
For any matters not subject to arbitration, each party submits to the exclusive jurisdiction of the state and federal courts located in Wyoming.
These Terms may be updated at any time with notice to merchants. Continued use of services implies acceptance. Merchants may not assign these Terms without prior written consent. If any provision is found invalid, the rest shall remain in effect.
You consent to receive all disclosures and notices from us electronically, including those required by law. You also agree that your electronic consent shall have the same legal effect as a physical signature.
Any notice by you of legal claim or other process under these Terms shall be sent to legal@gravv.io, Attn: Legal, 30 N Gould St, Sheridan, WY 82801.
Please contact us at support@gravv.io with any questions or concerns.