Plain language summary: QUARVO lets you split purchases across your existing credit cards. You pay Stripe's standard processing fees plus our flat $5.99 platform fee per split. We're a technology tool — not a bank or lender. You're responsible for ensuring your card issuers permit split transactions.
By accessing or using QUARVO ("the Service," "Platform") at quarvo.io, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms constitute a legally binding agreement between you and QUARVO. By using our Service, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
QUARVO is a web-based Credit Combination Technology platform that enables users to split high-value purchases across multiple existing credit cards in a single transaction.
QUARVO is strictly a technology intermediary. We are not:
We do not issue credit, provide loans, or establish new credit lines. We facilitate the use of credit that users already have through their existing card issuers.
To use QUARVO you must:
By using our Service, you represent and warrant that you meet all eligibility requirements.
QUARVO charges a flat fee of $5.99 per split transaction. This fee is clearly disclosed before you confirm any transaction and is non-refundable once a transaction is processed.
In addition to QUARVO's platform fee, standard Stripe payment processing fees apply to each card charge within a split transaction. These fees are passed through at cost and are disclosed at checkout. Stripe's fee structure is subject to change; current rates are available at stripe.com/pricing.
Your individual credit card issuers may charge their own fees, including cash advance fees, foreign transaction fees, or other charges. QUARVO is not responsible for fees charged by your card issuers. You are solely responsible for reviewing and complying with your card issuer's terms and conditions.
Important: Some credit card issuers may classify certain QUARVO transactions differently than standard purchases. You are responsible for understanding how your card issuer categorizes transactions processed through our platform. QUARVO makes no representation that all card issuers will classify transactions as purchases.
QUARVO's $5.99 platform fee is non-refundable once a transaction has been processed. If you believe a charge was made in error, contact us at [email protected] within 30 days of the transaction.
By using QUARVO you agree to:
You may not use QUARVO to:
Violation of these prohibited uses may result in immediate termination of your account and may be reported to appropriate authorities.
The QUARVO name, logo, platform, and all associated content, features, and functionality are owned by QUARVO and are protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or lease any part of the Service without our explicit written permission.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, error-free, or completely secure. We do not warrant that any transaction will be approved by your card issuers. Card approval is determined solely by your individual credit card issuers and is outside QUARVO's control.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QUARVO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.
QUARVO's total liability for any claim arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the total fees paid by you to QUARVO in the 3 months preceding the claim, or (b) $50.00 USD.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless QUARVO and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any third-party rights.
You may terminate your account at any time by contacting us at [email protected].
We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice, including but not limited to violations of these Terms, fraudulent activity, or extended inactivity.
Upon termination, your right to use the Service will immediately cease. Sections 7, 8, 9, 10, and 12 of these Terms will survive termination.
These Terms are governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
Any disputes arising under these Terms shall first be attempted to be resolved through good-faith negotiation. If a dispute cannot be resolved informally, it shall be submitted to binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules. The arbitration will be conducted in English.
You agree to resolve any disputes with QUARVO on an individual basis and waive your right to participate in any class action lawsuit or class-wide arbitration.
We reserve the right to modify these Terms at any time. When we make material changes, we will notify you by email and by updating the "Last updated" date at the top of this page.
Your continued use of the Service after any changes constitutes your acceptance of the new Terms. If you do not agree to the updated Terms, you must stop using the Service.