End-User Terms and Conditions

Effective Date 08/12/2026

Welcome to Authvia

If you, as an individual or business (“you” or “your”), are using Authvia’s (“Authvia”, “we” or “us”) e-billing services to send or receive payments or otherwise interact with a business (“Company”) using our Services, these End-User Terms and Conditions (these “Terms”) apply to you.

If you’re 18 or older and are using Authvia’s Services (as defined below), you agree to share some personal info (such as your name, phone number, and payment details) with Authvia and its merchants and partners. We will keep your Personal Information and Payment Data safe (as each is defined below), but you are still in charge of securing your account. In order to give Authvia permission to use your personal info and secure account, you will need to review these Terms. These Terms govern how you can use our Services and how we treat your Personal Information and Payment Data, covering everything from how your Personal Information is used and shared to SMS charges. In these Terms, you will also find the nitty-gritty on privacy, liability, and what happens if your mobile carrier changes its own terms. 

Here’s the scoop on what this document is all about: Authvia offers a very cool service that lets businesses connect with you and handle digital interactions like billing, document collection, and payments—think of it as commerce via conversation. We add commerce to the conversations that you are already having with businesses that you know and trust. 

If you have any questions about these Terms, please don’t hesitate to reach out to us at support@authvia.com.

PLEASE CAREFULLY READ THESE TERMS BEFORE USING THE SERVICES. BY USING OR VISITING THE SERVICES, YOU SIGNIFY YOUR ASSENT TO THE TERMS SET FORTH HEREUNDER. IF YOU DISAGREE WITH THESE TERMS, DO NOT USE THE SERVICES.

PLEASE MAKE SURE TO REVIEW SECTION 12 (INDEMNIFICATION), SECTION 14 (LIMITATION OF LIABILITY), AND SECTION 19 (DISPUTES) BEFORE USING THE SERVICES.

Pay2Day Solutions Inc., d.b.a. Authvia (“Authvia” “we“, “our“, or “us“) is a provider of an engagement and e-billing platform and that allows third-party businesses to engage with you in digital commerce, examples include but not limited to billing and payouts, two-way messaging, capturing data or approvals, digital signatures, attachments, completing surveys, and ID verification services (the “Services“). 

You’re in control. If you ever decide it’s time to part ways, you can close your account at any time. Just send us a written request either by emailing support@authvia.com or dropping a letter in the mail to Authvia, PO Box 67, Norton, MA 02766. Once we receive your request, we’ll take care of closing your account and saying goodbye (no hard feelings).

  1. ELIGIBILITY & ENROLLMENT

You must be 18 years of age or older in order to register and use the Services. 

In order to use the Services, you will be required to provide personal identifying information, which may include, but is not limited to, your mobile phone, email, and payment method information (collectively “Personal Information”). You may be asked to use password-less access, where a one-time passcode will be sent to you over email or text. You agree to notify us immediately of any unauthorized use of this information by emailing us at support@authvia.com.

You also agree that all postings, notices, disclosures, or other communications that we provide to you electronically or through a text message satisfy any legal requirements that such communications be in writing.

  1. LICENSE

Subject to these Terms, Authvia grants you a personal, non-exclusive, non-transferable, non-assignable, non-sublicensable, limited license to either install and access, or access the Services solely for the purpose of accessing and using the Services in accordance with these Terms. You may not directly or indirectly, or authorize any person or entity to: (i) reverse engineer, decompile, disassemble, re-engineer or otherwise create or attempt to create or permit, allow, or assist others to create the source code of the Services or its structural framework; (ii) create derivative works of the Services; (iii) use the Services in whole or in part for any purpose except as expressly provided herein; or (iv) disable or circumvent any access control or related device, process or procedure established with respect to the Services. You are responsible for all use of the Services that are under your possession or control.

  1. PAYMENT DATA

To facilitate transactions, you agree and accept that Authvia may store your payment credentials, including credit and debit cards, Automated Clearing House System (“ACH” or “e-check”), and other payment data (“Payment Data”). Any Personal Information and Payment Data provided will be encrypted using, at a minimum, the industry-standard encryption. As part of the Services, Authvia passes your Personal Information and Payment Data to third-party payment processors. Authvia shall not be liable for any loss or damage arising from the transmittal of such Personal Information and Payment Data. 

To the extent you use a bank account to make a payment, then by accepting these Terms, you authorize Authvia to debit or credit said bank account, via the Automated Clearing House System. This authority will remain in effect until the termination of these Services or otherwise revoked by you in writing. 

  1. SMS / TEXT MESSAGING / MOBILE COMMUNICATIONS

By providing your mobile phone number and using the Services, you expressly consent to receive recurring automated text messages (including SMS and MMS) from Authvia and on behalf of the Company you are interacting with. These messages may include transactional messages (such as payment requests, receipts, and account notifications), service-related communications, and, where permitted by law, promotional messages.

Consent to Receive Messages

Your consent to receive text messages is not a condition of purchasing any goods or services. Message frequency may vary depending on your interactions with the Services.

Message and Data Rates

Message and data rates may apply. Charges for text messages will be billed by and payable to your mobile service provider. Please contact your mobile service provider for details regarding your messaging plan.

Opt-Out Instructions

You may opt out of receiving text messages from Authvia at any time by replying STOP to any message you receive. After you send the message “STOP,” we will send you a confirmation message, and you will no longer receive text messages from us, except as required to complete any pending transactions or as otherwise permitted by law.

Help Instructions

For assistance, reply HELP to any message or contact us at support@authvia.com

Supported Carriers

Text messaging services may not be available on all carriers or devices. Carriers are not liable for delayed or undelivered messages.

User Responsibilities

You agree to provide a valid mobile phone number and to keep your contact information up to date. You are responsible for any messages sent to your mobile number, including messages sent as a result of your failure to update your contact information.

Changes to Messaging Terms

We may modify or discontinue messaging programs or features at any time. Your continued participation in any messaging program constitutes your acceptance of such changes.

  1. RESTRICTIONS ON USE OF THE SERVICES
  • You may not resell or sublicense access to the Service to any third party without Authvia’s prior written consent. 
  • You further agree not to combine or integrate the Service with hardware, software, or other technology or materials not provided by us. 
  • You may not modify or create any derivative product based on the Services. 
  • You may not decompile, disassemble, reverse engineer, or otherwise attempt to obtain or perceive the source code from which any component of the Services is compiled or interpreted, and nothing in these Terms should be interpreted as granting you any right to obtain or use source code. 
  • You agree not to use the Services to: 
    • (a) violate any local, state, national, or international law; 
    • (b) stalk, harass, or harm another individual; 
    • (c) collect or store personal data about other users; 
    • (d) impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity; 
    • (e) interfere with or disrupt the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services; or 
    • (f) upload or transmit information or content that is infringing, defamatory, obscene, fraudulent, or otherwise illegal. 
  • Without limiting any rights or remedies that Authvia may have available at law or in equity, including, without limitation, any right to seek monetary damages for your breach, you agree that Authvia may suffer irreparable injuries that may not be compensated by money damages and therefore may seek a court order to compel you to comply with these terms, and you understand that we may immediately terminate your access to the Services at any time if you violate the restrictions set forth above.
  1. SUSPENSION OF SERVICES

We reserve the right, for any reason and in our sole discretion, to modify, suspend, discontinue, or terminate any of the Services at any time and your use thereof without prior notice. We have the right to suspend your use of the Services if (i) you provide any information that is untrue, inaccurate, not current, or incomplete, (ii) Authvia has reasonable grounds to suspect that such data is untrue, inaccurate, not current, or incomplete, or (iii) for any other violation of the Terms herein. Thereafter, we may refuse any of your current or future use of the Services (or any portion thereof).  Upon suspension, discontinuation, or termination of your access to the Services, you must immediately discontinue use of the Services and your account. Immediately upon termination, all licenses and rights granted to you under these Terms automatically terminate.

  1. DISCLAIMER FOR PRICING AND TYPOGRAPHICAL ERRORS

Authvia shall not be liable for any loss or damage in the event any Personal Information or Payment Data is displayed incorrectly, except to the extent such error is caused by Authvia’s gross negligence or willful misconduct. Authvia is only responsible for passing through the payment and Payment Data. You are solely responsible for communicating to the Company any errors or inconsistencies in payment.

  1. LINKS TO THIRD PARTY SITES

The Authvia platform may contain resources, links, advertisements, offers, services, and other content to third-parties (“Third-Party Content”) that we do not control. Third-Party Content may not be wholly accurate. You acknowledge and agree that we are not responsible or liable for the accuracy or availability of Third-Party Content or for any viruses or other damaging elements encountered in linking to Third-Party Content or websites. In addition, providing links to third-party websites should not be interpreted as our endorsement or approval of the organizations sponsoring such third-party websites or Third-Party Content. These Terms do not apply to any other websites.

  1. SOFTWARE REQUIREMENTS

Authvia browser applications are built to meet the capabilities of prominent browsers and operating system versions released within the most recent 3 (three) years

Authvia reserves the right, in its sole discretion, to change the minimum hardware or software requirements needed to access or retain electronic records without notice, which may impact your ability to access or retain subsequent records.

  1. PRIVACY POLICY

Our Privacy Policy, available at https://www.authvia.com/legal/privacy-policy/, describes our practices regarding the collection, use, disclosure, and protection of personal information and is incorporated into these Terms by reference.

  1. PROPRIETARY RIGHTS

The Services and any related software or documentation are protected by United States and international intellectual property rights laws, and these Terms do not grant you any right to use such intellectual property.

Any Authvia and Company trademarks, logos, service marks displayed in the Service, and all other intellectual property (“Authvia Intellectual Property”) are protected marks. Nothing contained in the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Authvia Intellectual Property without the written permission of Authvia. Your misuse of Authvia Intellectual Property in violation of what is strictly prohibited; such misuse shall include, but is not limited to, violation of copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Except as expressly set forth herein, no right or license is granted hereunder, express or implied, to any Authvia Intellectual Property, and your use of the Services does not convey or imply the rights to use the Services in combination with any other information or products.

  1. INDEMNIFICATION

YOU AGREE TO INDEMNIFY, HOLD HARMLESS AND, AT AUTHVIA’S OPTION, DEFEND AUTHVIA (INCLUDING ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS AND ANY THIRD-PARTY INFORMATION PROVIDERS) FROM AND AGAINST ALL DAMAGES, LIABILITIES, AND EXPENSES, INCLUDING REASONABLE ATTORNEY’S FEES, RESULTING FROM ANY VIOLATION OF THESE TERMS.

  1. WARRANTY

THIS SERVICE IS PROVIDED “AS IS” AND WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH THE SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT THE SERVICE WILL OPERATE WITHOUT ERRORS, OR THAT THE SERVICE WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. WE ARE NOT RESPONSIBLE FOR THE QUALITY, SAFETY, LEGALITY, OR ANY OTHER ASPECT OF ANY GOODS OR SERVICES YOU PURCHASE THROUGH THE USE OF THIS SERVICE.

Services are offered on an “as-is” and “where-is” basis and may not be available in all areas at all times, and may not continue to work in the event of product, software, coverage, or other service changes made by your mobile service provider. In the event of mobile phone roaming, you may experience difficulties texting or using Services due to telecommunication restrictions.

Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. We encourage you to check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.

  1. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AUTHVIA, ITS DIRECTORS, MEMBERS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, LOSS OF DATA, OR COST OF COVER) ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES OR ANY FAILURE TO PROCESS OR COMPLETE TRANSACTIONS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

AUTHVIA SHALL ONLY BE LIABLE FOR DAMAGES DIRECTLY CAUSED BY ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AUTHVIA’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

AUTHVIA IS NOT A PARTY TO ANY TRANSACTION BETWEEN YOU AND THE COMPANY AND SHALL NOT BE RESPONSIBLE FOR THE PRODUCTS, SERVICES, OR PAYMENT OBLIGATIONS ASSOCIATED WITH SUCH TRANSACTIONS.

  1. TERMS AND TERMINATION

These Terms, as modified from time to time, shall remain in effect for so long as you continue to use the Services. Upon termination of these Terms, you will no longer have access to the Services. You agree that termination of these Terms by you or us will not affect any of our rights or your obligations arising under these Terms prior to termination.

  1. MODIFICATION OF THESE TERMS

We reserve the right to change or modify these Terms at any time and at our sole discretion. We will notify you of the updates by posting a notice on our website or otherwise notifying you electronically, as outlined below. Your continued use of the Services will constitute acceptance of such changes or modifications to the Terms.

  1. MODIFICATIONS TO SERVICES

We reserve the right to modify the Services at any time without notice. If you object to any changes to the Services, your sole recourse will be to cease using them. Continued use of the Services following the posting of any such changes will indicate your acknowledgment of such changes and satisfaction with the Services as so modified. Authvia reserves the right to discontinue the Services at any time without notice. We will not be liable to you or any third party should we exercise our right to modify or discontinue the Services.

  1. ELECTRONIC NOTIFICATIONS

We will provide you with all disclosures, policies, notices, and other communications about the Service, including these Terms, in electronic form, as well as revisions and amendments to these Terms, and such other information, including but not limited to information under applicable laws and regulations, electronically as a part of these Terms or otherwise as a part of the Service. We will provide all future notices by posting them on our website, deliver them electronically, or through the Authvia wallet. You agree that such electronic notification shall constitute effective notice.

  1. GOVERNING LAW

These Terms will be subject to and construed in accordance with the laws of the Commonwealth of Massachusetts, excluding its rules regarding conflicts of law. You agree that any claim or cause of action that you may have related to the Services, and/or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

  1. DISPUTE RESOLUTION

Any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be resolved by arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration shall be conducted by a single arbitrator selected by the AAA. The place of arbitration shall be the Commonwealth of Massachusetts. The language of the arbitration shall be English. The arbitrator shall have the authority to award any remedy or relief that a court of competent jurisdiction could order or grant, including specific performance of any obligation under these Terms, the awarding of damages, or the issuance of an injunction. The prevailing party shall be entitled to recover its reasonable attorneys’ fees and costs incurred in connection with the arbitration. This clause shall not preclude either party from seeking provisional or injunctive relief from a court of competent jurisdiction pending the outcome of the arbitration.

  1. GENERAL TERMS

The failure of Authvia to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, you agree that the court should endeavor to give effect to the intentions reflected in the invalid provision, and the other provisions of these Terms shall remain in full force and effect. These Terms constitute the entire agreement between you and Authvia with regard to the matters described above.

  1. CONTACT AUTHVIA

If you have any requests concerning your Personal Information, any questions with regard to these Terms, or suspect a security issue or vulnerability, please contact us at support@authvia.com or via mail to Authvia, PO Box 67, Norton, MA 02766

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