Terms of Service | OveloPay

Effective Date: June 8, 2026

PLEASE CAREFULLY READ ALL OF THESE TERMS AND CONDITIONS AND KEEP A COPY OF THIS DOCUMENT FOR YOUR RECORDS.

This agreement (“Agreement” or “Terms of Service”) between Ovelopay Ventures LLC, a Delaware limited liability company and you governs the terms of service for any access to or use of Ovelopay’s websites, located at https://www.ovelopay.com/, or Ovelopay’s Progressive Web Application (the “Ovelopay Progressive Web Application”), and, to the extent applicable, any product or service that Ovelopay provides to you via Ovelopay’s website, the Ovelopay Progressive Web Application, or the Ovelopay Program. The person who uses Ovelopay’s website or who downloads the Ovelopay Progressive Web Application (“You”) is agreeing to all of the terms and conditions of the Terms of Service for use of Ovelopay’s website, the Ovelopay Progressive Web Application, or the Ovelopay Program, as the case may be.

1. Scope of Services

The Services include:

Financial products or services that enable an individual who meets certain qualifications to use the Ovelopay Progressive Web Application to request and obtain an Ovelopay Account, EFT services, and other financial products and services.
Information and budgeting tools to help users monitor the hours worked, analyze and predict net pay, and obtain a better picture of earnings.
Access to unpaid earnings for a transaction fee.

2. Consent and Agreement

By using Ovelopay’s website, the Ovelopay Progressive Web Application, or the Ovelopay

Program, You acknowledge and agree that You are bound by the terms and conditions of these Terms of Service and Ovelopay’s Privacy Notice. Each time you use the Services, You are expressly consenting to the then-current Terms of Service.

3. Binding Contractual Terms and Changes

By using the website(s) of Ovelopay Ventures LLC, or by downloading or using the progressive web application, You signify that:

You have read and understood the terms and conditions of these Terms of Service.
These Terms of Service have the same force and effect as a signed agreement on paper. Ovelopay reserves the right to modify or discontinue the Services (or any portion of the Services) to You at its discretion. If Ovelopay materially changes the terms, Ovelopay will notify You via the Services or email.

4. Privacy Notice

Ovelopay’s Privacy Notice describes Ovelopay’s treatment of Your personally identifiable information. By agreeing to these Terms of Service, You expressly consent to the terms, conditions, and other provisions contained in Ovelopay’s Privacy Notice.

5. Term

The Services shall be provided from the date on which You download or register for the Services and accept these Terms of Service, and the Services shall continue until terminated.

6. Authorized Use and Restrictions

Ovelopay hereby grants You permission to use the Services as set forth in these Terms of Service, provided that You comply with the following restrictions:

Do not copy, download, distribute, alter, modify, or create derivative works from any part of the Services without prior written authorization.
Do not share your password, allow unauthorized access to your account, or jeopardize the security of your account.
Do not use the Services for unlawful purposes or introduce malware.
Do not engage in any form of abuse, harassment, or harmful conduct towards another person.

7. Payment and Fees

Ovelopay may impose a fee or charge on You for use of the Services. You shall be responsible for payment to Ovelopay of the applicable Fee. You authorize Ovelopay to initiate an Electronic Payment to debit Your Primary Bank Account to satisfy any Fees.

8. Security Measures

Ovelopay will apply reasonable measures to protect the security of nonpublic personal information and other data essential for use of the Services. You shall protect the confidentiality and security of Your Credentials and immediately notify Ovelopay of any security breach involving the Services.

9. Intellectual Property

Everything You see, hear, or otherwise experience through the Services, including graphics, videos, text, software, photographs, scripts, interactive features, and the like (collectively, “Content”) and the trademarks, service marks, and logos contained therein (“Marks”), are owned by or licensed to Ovelopay. Unauthorized use of any materials on the Services may violate copyright, trademark, and other laws.

10. Updates to the Application

Ovelopay may automatically check the version of the Progressive Web Application you have installed and provide updates, including bug fixes, patches, and enhanced functionality.

11. Text Messages, Push Notifications, and Email Messages

By providing a mobile phone number and email address, You expressly consent to receive service-related and marketing text messages and emails from Ovelopay. You may opt out of marketing messages by replying to STOP or by contacting Ovelopay.

12. Dispute Resolution, Mandatory Arbitration, and Class Action Waiver

These Terms of Service are governed by and constructed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. All claims and disputes arising out of or relating in any way to these Terms of Service or Your use of the Services shall be finally resolved by binding arbitration on an individual basis.

Arbitration Process:

The arbitration will be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. If the AAA is not available to arbitrate, the parties will select an alternative arbitral forum.
The arbitration will take place in Nassau County, New York, unless you and Ovelopay agree otherwise.
The arbitrator may award declaratory or injunctive relief only for individual claims between Ovelopay and You.
The arbitration proceedings will be conclusive and not appealable, and any party to any award rendered in any arbitration proceeding will be entitled to have judgment entered on that award.

Opt-Out Option:

You may opt out of arbitration and the class action waiver by sending a written notice of Your decision to opt-out. To be effective, this notice must be sent within 30 days of first accepting these Terms of Service. Your notice must include your name and address, your username, and the email address you used to set up your account for the Services, and an unequivocal statement that you want to opt-out of this arbitration.
Send Your notice to:

Ovelopay – ARBITRATION OPT-OUT NOTICE
265 Sunrise Highway, Suite 236, Rockville Centre, NY 11570
Email: support@ovelopay.com

Class Action Waiver:

You and Ovelopay agree that any proceedings to resolve any dispute, including arbitration and litigation in court, will be conducted only individually. Neither Ovelopay nor you will seek to have any dispute heard as a class action, a class-wide arbitration, a private attorney-general action, or any other proceeding in which either of Ovelopay or you act(s) or propose(s) to act as a representative for others.
You and Ovelopay also agree that no arbitration or other proceeding will be combined with another arbitration or proceeding without the written consent of Ovelopay, you, and every other party to that arbitration or proceeding.

Governing Law:

These Terms of Service are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Prevailing Party:

In the event of any dispute, arbitration, or legal proceeding arising out of or relating to these Terms of Service, the prevailing party shall be entitled to recover its reasonable attorneys' fees and costs from the other party.

13. Termination of the Services

Ovelopay may terminate Your access to and use of the Services if You breach any provision or obligation under these Terms of Service. You may request termination of Your use of the Services at any time.

14. Marketing Opt-In

Signing up with the Ovelopay program will serve as an opt-in to receive marketing communications. You may opt out by contacting Ovelopay.

15. General Terms

This Agreement constitutes the entire agreement between the parties and supersedes all other agreements related to the subject matter hereof. If any provision of this Agreement is held to be invalid, void, or unenforceable, it shall be limited or eliminated to the minimum extent necessary.

16. Definitions

Amount Provided: The amount of the Daily Earnings, minus our transaction fee.
Daily Earnings: The Unpaid Earnings we have agreed to make available to you before your employer runs payroll for a specified transaction fee.
Dispute: A situation in which your employer questions, objects, denies, challenges, or contradicts the quality, quantity, or other aspect of any of your services that are related to the Unpaid Earnings.
Program Terms: These OvelpayProgram Terms.
Unpaid Earnings: The right to payment owed to you by your employer arising out of services you have provided to your employer or its customers.

17. Access to Unpaid Earnings

You can use the Ovelopay Program to access some or all of your Unpaid Earnings for a transaction fee. To do so, you must:

Link your bank account (the same one your employer uses for direct deposits) to your Ovelopay account.
Confirm the linked bank account each time you request access to Unpaid Earnings.
Accept the transaction terms, including the transaction fee.
Acknowledge that Ovelopay will recoup the Amount Provided from your linked bank account once your employer processes your Daily Earnings.

18. Employer Data Sharing

You consent to your employer sharing employment data with Ovelopay to facilitate the Ovelopay Program, including your name, address, social security number, employee identification number, earnings and timecard information, and bank account information. Ovelopay will only request necessary information and will not share it outside of Ovelopay, its regulators, your employer, and service providers necessary to provide the Ovelopay Program.

19. User Content and Feedback

You grant Ovelopay a non-exclusive, worldwide, royalty-free, fully paid-up, transferable, sublicensable, perpetual, irrevocable license to use any content you provide in connection with the operation of the Ovelopay Program. Ovelopay reserves the right to disable access to or delete any content that violates these Program Terms or is otherwise illegal.

20. Rules of the Road

You promise to:

Take actions to preserve and protect Ovelopay’s rights to any Daily Earnings.
Update your bank account information with Ovelopay immediately if it changes.
Not take actions that adversely affect Ovelopay’s ability to collect on or retain any Daily Earnings.
Notify Ovelopay immediately if you receive payment on the Daily Earnings from your employer or someone else.

21. Representations and Warranties

You represent and warrant that:

The Program Terms constitute a legal and valid contract that is binding on you.
There are no pending claims or investigations involving you or the transactions contemplated by these Program Terms.
You have not used any name with Ovelopay or your employer other than the name used to establish your Ovelopay account.
Each time you request access to Unpaid Earnings, you hold all legal rights to the Unpaid Earnings, free and clear of any liens or encumbrances.

22. Disputes with Employer

You are responsible for resolving any disputes with your employer regarding Unpaid Earnings. Notify Ovelopay immediately if a dispute arises and work directly with your employer to resolve it.

23. Debiting Your Bank Account

You authorize Ovelopay to initiate an ACH account debit from your linked bank account to:

Collect the Amount Provided on payday.
Correct errors or fraud related to the Daily Earnings.
Recover amounts in cases of breach of representations or warranties.

24. Right of Setoff

Ovelopay has the right of setoff and may offset against any amounts owed to Ovelopay by you. Ovelopay can exercise this right immediately.

25. Advertising and Release

Ovelopay takes no responsibility for advertisements or third-party materials transmitted through the Service. Any dealings you have with advertisers are between you and the advertiser. You release Ovelopay from any claims or damages arising out of your use of the Service and transactions with advertisers or other third parties.

26. Assignment

You may transfer or assign your rights under these Terms of Service only with Ovelopay’s prior written consent. Ovelopay may assign its rights without restriction and without notice to you.

27. Export Control

Software and the transmission of applicable technical data, if any, in connection with the Service may be subject to export controls. You agree to comply with all applicable laws regarding software and the transmission of technical data exported from the U.S. or the country in which you reside.

28. Third-Party Beneficiaries

You acknowledge that Ovelopay’s service providers are intended third-party beneficiaries of these Terms of Service.

29. General Terms

Contact Information

If you have any questions or need assistance, please contact Ovelopay at:

Email: support@ovelopay.com
Phone: (718) 208-4369
Address: Ovelopay , 265 Sunrise Highway, Suite 236, Rockville Centre, NY 11570