Welcome to AlvinOS, a product of Alvin Technologies, Ltd. ("Alvin", "we", "us", or "our").
These Terms of Use ("Terms") govern your access to and use of our website at https://www.alvin.finance, its subdomains (i.e., travel.alvin.finance, etc.), and any associated content, functionality and services (collectively, the "Website"), as well as all software, tools, dashboards and APIs offered by Alvin (collectively, the "AlvinOS Platform", "Alvin Apps", or "Products").
By accessing or using the Website or any of our Products, you agree to be bound by these Terms. If you do not agree with these Terms, do not access or use our services.
1. Who we are
Alvin Technologies, Ltd. is a financial technology company that provides revenue orchestration software (infrastructure and embeddable tools) designed to help merchants, banks and agents in emerging markets reduce the time between point of sale and receipt and reconciliation of payments. We are not a licensed bank or custodian. All funds processed via Alvin are held in licensed bank accounts regulated by applicable authorities.
2. Eligibility
You may use our Website and Products only if you:
• Are at least 18 years old,
• Have the legal capacity to enter into a binding agreement
• Are not prohibited from using our services under applicable law
If you are entering into this agreement on behalf of a company, you represent that you have the authority to bind that company to these Terms.
We reserve the right to suspend or terminate your access if we determine that you have violated these Terms, engaged in fraudulent activity, or used our services in a way that may cause harm to others.
Misuse of our services, including attempting to gain unauthorized access, distributing harmful software, or violating intellectual property rights, may result in legal action.
3. Use of the website
You agree to use the Website only for lawful purposes. You must not:
• Attempt to gain unauthorized access to our systems or networks;
• Interfere with the proper functioning of the Website or Products;
• Scrape, copy, or reuse any content without express permission;
• Misrepresent your identity or your affiliation with a third party.
All content on the Website (including text, graphics, logos and software), is the exclusive property of Alvin Technologies, Ltd. or our licensors, and is protected by copyright and other laws. You may not reuse or distribute it without our prior written consent.
4. Use of the AlvinOS Platform and Products
By signing up to use any Alvin App (i.e., Alvin Travel, Alvin Storefront, etc.), you agree to:
• Provide accurate and complete KYB or KYC documentation as required;
• Use Alvin’s tools only for lawful, business-related purposes;
• Accept responsibility for the financial, accounting, and compliance implications of your use;
• Not use AlvinOS to engage in fraud, money laundering, or high-risk industries as defined by us.
You understand and agree that Alvin facilitates software-enabled transfers and reporting, but does not custody user funds or operate as a licensed financial institution.
5. Payment terms
Where applicable, Alvin charges fees on transactions processed via our platform, typically as a flat-rate or volume-based commission. All pricing is transparently disclosed during onboarding or through the relevant AlvinOS dashboard.
Unless otherwise agreed in writing, you:
• Authorize Alvin to deduct applicable fees before remitting funds;
• Are responsible for any taxes, duties, or bank fees incurred;
• Agree to settle any outstanding balances within 7 days of invoice.
6. Account Security
If you register for an Alvin App account, you must:
• Keep your login credentials secure;
• Notify us immediately if you suspect unauthorized access;
• Accept responsibility for activity under your account, unless caused by our negligence.
7. Intellectual property
All intellectual property rights in the Website and the Products -- including all content, code, documentation and designs -- remain the exclusive property of Alvin Technologies, Ltd. You are granted a limited, non-exclusive, non-transferable license to use the Platform for your internal business operations only.
You may not:
• Reverse engineer, decompile, or attempt to extract source code;
• Sell, sublicense, or exploit the platform for commercial resale without our consent;
• Claim any ownership or derivative rights over Alvin’s brand, trademarks, or software.
8. Disclaimers
• The Website and Platform are provided “as is” and “as available” without warranties of any kind.
• We do not guarantee uninterrupted or error-free service.
• We are not responsible for your compliance with local financial regulations or third-party payment systems.
Your use of our software is at your own risk. You are solely responsible for evaluating the suitability of our tools for your specific business, accounting and compliance needs. We do not provide any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
9. Limitation of liability
To the fullest extent permitted by law, Alvin Technologies, Ltd. will not be liable for:
• Indirect, incidental, or consequential damages;
• Loss of profits, revenue, or data;
• Business interruption or reputational harm.
Our total liability for any claim arising out of your use of the Website or Platform will not exceed the greater of (a) USD $100 or (b) the total amount paid by you to Alvin in the preceding 3 months.
10. Indemnification
You agree to indemnify and hold harmless Alvin Technologies, Ltd. and its officers, directors, employees, and agents from any claim, liability, or demand arising out of your:
• Violation of these Terms;
• Misuse of the Website or Products;
• Breach of applicable law or third-party rights.
11. Changes to these Terms
We may update these Terms from time to time to reflect changes in our services, legal requirements, or business operations. If we make material changes, we will notify you via the Platform, by email, or through other reasonable means. Continued use of the Website or Products after such changes become effective constitutes your acceptance of the revised Terms.
12. Governing law and dispute resolution
These Terms are governed by the laws of the jurisdiction in which you are primarily contracting with Alvin, as determined by your location or the legal entity operating in your region:
• If you are based in the United States or outside Africa, these Terms are governed by the laws of the State of Delaware, United States, and any disputes shall be resolved exclusively in the courts located in Delaware.
• If you are based in Nigeria, these Terms are governed by the laws of the Federal Republic of Nigeria, and any disputes shall be resolved exclusively in the courts of Lagos State.
• If you are based in Kenya, these Terms are governed by the laws of the Republic of Kenya, and any disputes shall be resolved exclusively in the courts of Nairobi.
• If you are based in South Africa, these Terms are governed by the laws of the Republic of South Africa, and any disputes shall be resolved exclusively in the courts of Johannesburg.
Notwithstanding the above, Alvin reserves the right to bring proceedings in any court of competent jurisdiction where such action is necessary to enforce its rights or where local law requires.
13. Contact
If you have questions or concerns about these Terms, reach out to us at:
Alvin Technologies, Ltd.
Email: hello@alvin.finance
Mail: Johannesburg, Spaces Atrium on 5th Sandton, South Africa
