Terms of Service

These Terms of Service ("Terms") govern your access to and use of Anvora, a privacy-first platform for secure communication, payments, and service transactions, developed and operated by Malliva Labs Ltd, a company registered in the United Kingdom ("we", "us", "our").

By accessing or using Anvora, you agree to be bound by these Terms. If you are using Anvora on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.

We encourage you to also review our Privacy Policy and Security Overview to understand how we protect your data and communications.

To use Anvora, you must:

• Be at least 18 years of age, or the age of legal majority in your jurisdiction
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the platform under applicable laws

Organisations and independent professionals using Anvora for compliance, reporting, or professional services must ensure that their use complies with all applicable regulations in their jurisdiction.

Anvora is designed to facilitate secure, private communications for legitimate professional and organisational purposes. You agree to use the platform responsibly and in accordance with these guidelines.

You may use Anvora to:

• Conduct confidential business communications
• Facilitate anonymous or confidential reporting channels
• Provide professional services requiring client confidentiality
• Manage sensitive stakeholder communications

You must not use Anvora to:

• Engage in illegal activities or facilitate unlawful conduct
• Harass, threaten, defame, or abuse other users
• Misuse anonymity features to harm individuals or organisations
• Submit false reports or malicious content
• Attempt to circumvent security measures or access unauthorised data
• Distribute malware, spam, or disruptive content
• Violate the privacy or confidentiality of other users

Reporting abuse

If you believe that the platform is being misused or that a user is violating these acceptable use guidelines, you may report the matter by emailing abuse@anvorahq.com. We will review all reports and take appropriate action.

We reserve the right to investigate potential violations and take appropriate action, including suspension or termination of access.

Additional restrictions for paid services

Where Anvora is used to facilitate paid services, users must comply with all applicable payment, financial, and regulatory requirements. Use of the platform for restricted or prohibited business activities is strictly forbidden.

Privacy is fundamental to Anvora's design. We have built the platform with privacy-first architecture, including end-to-end encryption and privacy-preserving principles where applicable.

For detailed information about how we handle your data, please review our Privacy Policy. For technical security details, see our Security Overview.

Anvora is currently in public beta. By participating in our beta programme, you acknowledge and accept the following:

We welcome and appreciate your feedback during this period. Please report any issues or suggestions to support@anvorahq.com.

The Anvora platform, including its software, design, branding, documentation, and all related intellectual property, is owned by Malliva Labs Ltd and protected by applicable intellectual property laws.

Your use of Anvora does not grant you any ownership rights in the platform or its underlying technology. You are granted a limited, non-exclusive, non-transferable licence to use the platform in accordance with these Terms.

You may not copy, modify, distribute, sell, or lease any part of the platform, nor may you reverse engineer or attempt to extract the source code.

You retain ownership of any content you create, upload, or share through Anvora ("User Content"). This includes messages, files, reports, and any other materials you submit to the platform.

By using Anvora, you grant us a limited licence to process and store your User Content solely for the purpose of providing the service. We do not claim ownership of your content, and we do not access encrypted content except as technically necessary to deliver the service.

You are responsible for ensuring that your User Content does not violate any laws, infringe on third-party rights, or breach these Terms.

Anvora acts as a technology platform that facilitates communication and payment processing between users and service providers — whether organisations, independent professionals, or sole traders (collectively, "Service Providers"). Anvora is not itself a provider of the services offered by Service Providers on the platform.

Service Providers that use Anvora to offer and manage services are solely responsible for the delivery, quality, and legality of those services. Any contractual relationship for services booked or paid for through Anvora is between the user and the Service Provider, not between the user and Anvora.

Payments and transactions

Payments made through Anvora are processed via third-party payment providers on behalf of the Service Provider. Anvora does not hold funds or act as a payment institution.

Refunds

Refund policies are determined by each Service Provider. Where a refund is agreed, Anvora may facilitate the processing of the refund through the payment provider on the Service Provider's behalf.

Disputes and chargebacks

In the event of a payment dispute or chargeback, Anvora will manage communications with the payment processor. The Service Provider must provide all requested evidence and information in a timely manner. Anvora reserves the right to recover any losses resulting from chargebacks or fraudulent transactions from the responsible Service Provider.

Anvora may charge platform commissions, service fees, or related platform charges in connection with use of payment and service workflows on the platform.

Platform fee structures may vary depending on subscription plan, account configuration, service category, or transaction context.

Payments are processed through third-party payment processors, and processor fees, network fees, or other payment rail charges may apply in addition to platform fees.

Where applicable, platform fees and related charges may be deducted before payout or settlement to the relevant Service Provider.

Service Providers that offer services through Anvora agree to the following responsibilities:

• Be solely responsible for the services they provide, including quality, delivery, and customer satisfaction
• Comply with all applicable laws, regulations, and professional standards in their jurisdiction
• Provide accurate and up-to-date business information
• Cooperate with Anvora in any investigations related to disputes, compliance, or platform integrity

Anvora may suspend or restrict a Service Provider's access to payment functionality if we identify conduct that poses a risk to users, the platform, or our payment processing partners.

The following activities are strictly prohibited on Anvora:

• Sale or facilitation of illegal goods or services
• Adult content or services
• Gambling or lottery services
• Unlicensed financial services or money transmission
• Cryptocurrency transactions without prior approval
• Counterfeit or stolen goods
• Deceptive or misleading business practices

This list is aligned with the requirements of our payment processing partners and may be updated from time to time.

Anvora may conduct compliance reviews of Service Providers using the platform's payment and service features. These reviews may include verification of identity, services offered, and supporting documentation.

We reserve the right to restrict, suspend, or terminate access to payment functionality for any Service Provider that fails to meet our compliance requirements or the requirements of our payment processing partners.

You may stop using Anvora at any time. You may also request deletion of your account and associated data by contacting us.

We may suspend or terminate your access to Anvora if:

• You violate these Terms or our Acceptable Use guidelines
• We are required to do so by law
• Your use poses a security risk to the platform or other users
• We discontinue the service (with reasonable notice where possible)

Upon termination, your right to use the platform ceases. We will handle any remaining data in accordance with our Privacy Policy and applicable data protection laws.

To the maximum extent permitted by applicable law:

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

We are not responsible for the performance, quality, or legality of services provided by Service Providers using the platform.

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will:

• Update the "Last updated" date at the top of this page
• Notify you via email or through the platform where appropriate
• Provide reasonable notice before changes take effect

Your continued use of Anvora after changes become effective constitutes acceptance of the revised Terms. If you do not agree with the changes, you should stop using the platform.

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of Anvora shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer in the European Union, you may also have rights under the laws of your country of residence, and nothing in these Terms affects those rights.

If you have any questions about these Terms, please contact us: