Terms & Conditions

Terms & Conditions for GFSYS, GF‑POS & WOLOP
Effective Date: July 14, 2025

1. Definitions
All capitalized terms shall have the meanings assigned to them in this Agreement unless otherwise defined herein.

2. Scope & Contractual Priority
These Terms & Conditions ("Agreement") govern the use of the Global Finances software platforms: GFSYS, GF-POS, and WOLOP (collectively, the "Platform"). In the event of any conflict or inconsistency between these Terms & Conditions and any separately executed agreement between you and Global Finances LLC or its affiliates, the terms of the signed agreement shall prevail.

3. License & Access
Grant – Subject to payment of all Fees and compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable license to access and use the Platform for your internal business operations during the applicable Subscription Term.

Restrictions – You will not:
- Copy, modify, reverse-engineer, or distribute the Platform;
- Circumvent authentication or security features;
- Use the Platform to store or transmit unlawful or infringing content;
- Share accounts or credentials with unauthorized parties.

Users – You must designate at least one administrative user. Each Authorized User must accept these Terms before accessing the Platform; you remain liable for all actions under your account.

4. Services & Support
Provisioning – The Platform will be made available via the internet, subject to maintenance and events beyond our control.

Enhancements – We may update the Platform at our discretion, provided that such changes do not materially reduce core functionality without prior notice.

Support – Standard technical support is available via [support@globalfinances.us] during business hours (U.S. Eastern Time). Premium support may be provided under a separate agreement.

5. Fees, Billing & Taxes
Fees – Subscription and service fees are defined in the applicable Order Form or as posted on our website. All fees are non-refundable unless otherwise required by law or a signed agreement.

Billing – Invoices are issued monthly or annually in advance and payable within five (5) days. Late payments are subject to interest at 1.5% per month or the maximum allowed by law.

Taxes – You are responsible for all applicable taxes, excluding taxes based on our income.

6. Term & Termination
Term – This Agreement is effective from the date of acceptance and continues through the Subscription Term, renewing automatically unless either party gives sixty (60) days’ prior written notice.

Termination for Cause – Either party may terminate if the other materially breaches and fails to cure within thirty (30) days of written notice.

Termination for Convenience – After the initial term, either party may terminate with sixty (60) days’ written notice.

Post-Termination – Upon termination, your access to the Platform ceases. You must stop using all Global Finances Confidential Information, and all outstanding Fees become due. We will provide data export assistance for 30 days; afterward, data may be deleted.

7. Data Privacy & Security
Ownership – You retain ownership of all data you submit to the Platform ("Customer Data").

Protection – We apply industry-standard technical and organizational measures to safeguard your data from unauthorized access or loss.

Compliance – We comply with applicable data protection and export control laws. See our full Privacy Policy at https://www.globalfinances.us/privacy.

8. Intellectual Property
All rights, title, and interest in and to the Platform, including its architecture, documentation, integrations, and trademarks (including but not limited to WOLOP, GF-POS, GFSYS, GF-CABA, GF-REPORT, and Global Finances Systems & Services), remain the sole property of Global Finances LLC or its licensors. No rights are transferred except those explicitly granted herein.

9. Confidentiality
Each party agrees to:
- Use the other's Confidential Information only as needed to perform under this Agreement;
- Protect such information using a reasonable standard of care (at least the same it uses for its own confidential data);
- Return or destroy Confidential Information upon termination, unless legally required to retain it.

10. Warranties & Disclaimers
Limited Warranty – We warrant that the Platform will function substantially as described in the official Documentation under normal usage conditions.

Disclaimer – EXCEPT AS EXPRESSLY PROVIDED, THE PLATFORM IS OFFERED “AS IS” AND WE DISCLAIM ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY SHALL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE SIX (6) MONTHS PRIOR TO THE CLAIM.

12. Indemnification
You agree to indemnify, defend, and hold harmless Global Finances LLC, its affiliates, officers, and agents from any third-party claims arising from:
(a) misuse of the Platform;
(b) breach of this Agreement; or
(c) violation of any law by you or your users.

13. Force Majeure
Neither party shall be liable for delays or failure to perform due to events beyond reasonable control, including but not limited to natural disasters, cyberattacks, power or internet outages, or governmental actions.

14. Governing Law & Dispute Resolution
Governing Law – This Agreement shall be governed by the laws of the State of Maryland, U.S.A., without regard to conflict-of-law rules.

Arbitration – Any dispute shall be resolved by binding arbitration in Howard County, Maryland, under the Maryland Uniform Arbitration Act. Judgment may be entered in any court of competent jurisdiction.

15. Miscellaneous
- Entire Agreement – This document, along with any executed Order Forms or written agreements, constitutes the full and final understanding between the parties.
- Precedence – Where a conflict exists between these Terms and a signed agreement between the parties, the signed agreement shall control.
- Assignment – You may not assign this Agreement without our written consent. We may assign it to an affiliate or successor.
- Amendments – Any modifications must be in writing and signed by both parties.
- Severability – If any part of this Agreement is found unenforceable, the remainder shall remain in full force.

Contact Information
Global Finances LLC
2442 Wood Stream Ct., Ellicott City, MD 21042, USA
Email: legal@globalfinances.us | Web: www.globalfinances.us

​

Acceptable Use Policy (AUP)
For GFSYS, GF-POS, and WOLOP Services
Effective Date: July 31, 2025
Version: 1.1

1. Purpose and Scope
This Acceptable Use Policy (“AUP”) sets forth the rules and guidelines governing the use of Global Finances LLC’s cloud-based software platforms, including:

- GFSYS (Enterprise Resource Planning)
- GF-POS (Point of Sale System)
- WOLOP (Web Online Ordering & Payment Middleware)

This AUP is incorporated by reference into Global Finances’ Terms & Conditions and applies to all users, administrators, and agents accessing the Services.

Contractual Precedence: In the event of any inconsistency between this AUP and a separately executed agreement with Global Finances LLC, the terms of the signed agreement shall control.

2. Prohibited Activities
Users must not use the Services to:
- Violate any applicable local, national, or international laws and regulations.
- Transmit, store, or distribute content that is illegal, abusive, libelous, or invasive of another’s privacy.
- Upload or introduce viruses, malware, or engage in activities that could harm system performance or stability.
- Attempt unauthorized access to accounts, networks, or data.
- Send unsolicited communications (spam), phishing, or fraudulent content.
- Circumvent usage limits, license restrictions, or security protocols.
- Reverse-engineer, decompile, or otherwise tamper with any software or infrastructure of Global Finances.

3. User Responsibilities
All users must:
- Maintain secure, unique passwords and safeguard login credentials.
- Promptly notify Global Finances of any suspected security breach or policy violation.
- Adhere to license terms, export restrictions, and all applicable usage conditions.
- Ensure their account and billing details remain accurate and up to date.

4. Enforcement and Remedies
Violations of this AUP may result in:
- Temporary or permanent suspension of Services
- Termination of accounts
- Investigation and cooperation with law enforcement or regulatory agencies
- Pursuit of legal remedies or indemnification for damages

Global Finances reserves the right to take any lawful measures to enforce this policy.

5. Compliance Monitoring
Global Finances may use automated and manual tools to monitor for compliance with this AUP. These include:
- Security logs and audit trails
- Usage pattern analysis
- Customer- or system-generated incident reports

Monitoring is conducted solely for security and compliance purposes and in accordance with applicable privacy laws.

6. Global Trade and Export Restrictions
Use of the Services is subject to all applicable U.S. export control laws and regulations, including:
- Export Administration Regulations (EAR)
- Sanctions enforced by the Office of Foreign Assets Control (OFAC)

Customers represent and warrant:
- They are not listed on any U.S. government denied-party list (e.g., Specially Designated Nationals).
- They will not export, re-export, or transfer the Platform or related technologies except as permitted by U.S. law.
- Services shall not be accessed from embargoed or sanctioned jurisdictions, including but not limited to: Cuba, Iran, North Korea, Syria, and the Crimea region.

Violation of these terms may result in immediate service suspension or termination.

7. Reporting Violations
Suspected violations of this AUP should be reported to:

Email: legal@globalfinances.us

Reports should include as much detail as possible to enable effective review and resolution.

8. Related Policies
This Acceptable Use Policy should be read in conjunction with the following documents:
- Terms & Conditions
- Privacy Policy
- Service Level Agreement (SLA)
- Data Processing Addendum (DPA)
- Billing & Refund Policy

9. Updates to Policy
Global Finances may revise this AUP from time to time to reflect legal, operational, or security updates. Material changes will be communicated to Customers at least 30 days in advance.

Billing & Refund Policy
For GFSYS, GF-POS, and WOLOP Services
Effective Date: July 31, 2025
Version: 2.0

1. Billing Structure
Global Finances LLC (“Global Finances”) provides monthly or annual billing options depending on the selected service plan and tier. Subscriptions are:
- Billed in advance
- Managed through approved payment methods including credit card, ACH, and invoicing (for enterprise accounts)
- Governed by the relevant Subscription Agreement, Order Form, or any separately executed written agreement

Contractual Precedence: In the event of any inconsistency between this policy and a signed agreement, the terms of the signed agreement shall prevail.

2. Invoicing and Payment Terms
- Invoices are issued electronically at the start of each billing period
- Payments are due within five (5) calendar days unless otherwise agreed
- Late payments incur 1.5% monthly interest, or the maximum rate allowed by law

3. Taxes and Withholding
- All fees are exclusive of taxes, levies, VAT, or duties
- Customers are responsible for all applicable taxes unless exempt
- If tax withholding is mandated by law, Customers must gross up payments to ensure Global Finances receives the full invoiced amount

4. Upgrades and Overage Charges
- Upgrades can be requested at any time and will be prorated for the remaining billing period
- Overages (e.g., storage, users, transactions) are billed at rates published in the pricing schedule or contract

5. Downgrades and Plan Changes
- Downgrades take effect at the end of the current billing period
- No refunds or credits are issued for unused features
- A minimum of 15 calendar days' notice is required for downgrades

6. Refund Policy
All payments are non-refundable except as expressly stated below or where required by applicable law.

Refunds will only be issued in the following cases:
- Duplicate payment or billing error attributable to Global Finances
- Cancellation within 7 days of subscription renewal, provided there was no platform usage
- Confirmed service outage lasting more than 72 consecutive hours

All approved refunds will be processed within ten (10) business days.

7. Termination and Final Charges
- Upon termination, the Customer remains liable for all charges up to the termination date
- Access to services ends at the close of the active billing period unless otherwise agreed in writing
- All outstanding balances become immediately due

8. Billing Disputes
- Billing disputes must be submitted in writing to billing@globalfinances.us within ten (10) business days of the invoice date
- Include specific details and documentation
- Global Finances will investigate and respond within ten (10) business days

9. Global Trade and Sanctions Compliance
- Customer affirms that payments are not derived from or routed to sanctioned individuals or entities
- Global Finances complies with U.S. OFAC and EAR regulations
- Refunds or services may be denied if they would breach applicable export control or sanctions laws

10. Policy Updates
This policy may be updated to reflect regulatory, operational, or business changes. Any material changes will be communicated with at least 30 days’ notice via email or customer portal.

Continued use of services constitutes acceptance of updated terms.

11. Contact Information
Global Finances LLC
2442 Wood Stream Ct.
Ellicott City, MD 21042, USA
Email: billing@globalfinances.us
Web: www.globalfinances.us

Accessibility Statement
For GFSYS, GF-POS, and WOLOP Services
Effective Date: July 31, 2025
Version: 2.0

1. Our Commitment
Global Finances LLC is committed to providing an accessible and inclusive digital environment for all users, including individuals with disabilities. We strive to ensure that our GFSYS, GF-POS, and WOLOP platforms can be accessed and used by everyone, in accordance with recognized accessibility standards.

Contractual Precedence: In the event of any conflict between this Accessibility Statement and a separately executed agreement, the signed agreement shall govern.

2. Standards and Guidelines
We design and maintain our platforms in alignment with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA, developed by the World Wide Web Consortium (W3C). These guidelines help ensure content is:
- Perceivable
- Operable
- Understandable
- Robust

3. Accessibility Features
Our web and mobile platforms include:
- Keyboard navigation and full operability without a mouse
- Text scaling and zoom support
- Screen reader compatibility with semantic HTML and ARIA labels
- Predictable navigation and consistent design patterns
- High-contrast and dark-mode visual options

4. Ongoing Improvement
Accessibility is an ongoing effort at Global Finances. We:
- Conduct regular manual and automated audits of our digital services
- Work with accessibility experts and integrate user feedback
- Evaluate all new features for accessibility compliance prior to release
- Continuously update our documentation and design systems to reflect accessibility best practices

5. Third-Party Content
While we strive to ensure accessibility across our ecosystem, some third-party tools or integrations may not fully comply with accessibility standards. We:
- Encourage our partners and vendors to follow inclusive design principles
- Work to provide accessible alternatives when available

6. Feedback and Support
If you experience any accessibility issues or have suggestions for improvement, we welcome your feedback. Please reach out to us via:

Email: customerservice@globalfinances.us
Phone: +1 (667) 359-8058
Mail: Global Finances LLC, 2442 Wood Stream Ct., Ellicott City, MD 21042, USA

We are committed to responding promptly and providing assistance.

7. Legal Compliance
This statement is aligned with:
- Americans with Disabilities Act (ADA)
- Section 508 of the U.S. Rehabilitation Act
- International accessibility laws where applicable