Terms of Service
Effective date: April 19, 2026
1. Agreement and Scope
These Terms of Service (“Terms”) govern access to and use of Accirva’s websites, portals, communications, and related services (collectively, the “Services”). By accessing the Services, creating an account, submitting a request, or otherwise using the Services, you agree to be bound by these Terms.
If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
2. Operations-Only Services; No Legal Advice
Accirva is not a law firm and does not provide legal advice. Accirva’s services are administrative, operational, and support-oriented in nature. Any information provided through the Services is for general operational purposes only and should not be relied upon as legal advice. You should consult qualified legal counsel regarding legal questions or legal rights.
Use of the Services does not create an attorney-client relationship.
3. Eligibility and Compliance
You represent and warrant that you are legally able to use the Services and that you will use them in compliance with applicable law, regulation, contractual restriction, and third-party requirements.
Where relevant, this includes compliance with laws governing records access, privacy, identity verification, notarization, FCRA-regulated uses, DPPA-regulated uses, export controls, sanctions, and other legal restrictions applicable to your request or use case.
Accirva may refuse, suspend, limit, or terminate access to the Services where it reasonably believes non-compliance, misuse, fraud, risk, or legal exposure may be present.
4. Accounts and Acceptable Use
If you create or use an account, you are responsible for maintaining the confidentiality of your credentials and for activity occurring under your account, except to the extent caused by Accirva’s own failure to maintain reasonable security.
You agree not to:
- use the Services for unlawful, fraudulent, deceptive, or unauthorized purposes;
- upload, request, transmit, or use content or data without sufficient rights or lawful basis;
- attempt to bypass or interfere with security, authentication, or access restrictions;
- infringe intellectual-property, privacy, publicity, confidentiality, or other rights of others;
- engage in abusive, disruptive, or harmful conduct affecting the Services or other users; or
- use the Services in any way that could create regulatory, legal, or operational risk for Accirva or its service providers.
5. Customer Content and Limited License
You retain ownership of content, documents, information, or materials you submit to Accirva (“Customer Content”), subject to the rights necessary for Accirva to operate the Services.
You grant Accirva a limited, non-exclusive, worldwide, royalty-free license to host, store, reproduce, transmit, process, adapt, and use Customer Content solely as reasonably necessary to provide the Services, maintain security, comply with law, enforce rights, and perform related internal business operations.
You represent and warrant that you have all rights, permissions, and lawful bases necessary to submit Customer Content and to authorize Accirva’s processing of it.
6. Electronic Communications and Electronic Signatures
By using the Services, you consent to receive electronic communications from Accirva relating to the Services, including operational notices, service updates, legal notices, and transactional communications.
Where electronic signatures, acknowledgments, or electronic records are used, they are intended to comply with applicable law, including the ESIGN Act and UETA. In certain situations, additional disclosures or affirmative consent may be required by law.
7. Third-Party Platforms and Services
The Services may rely on or integrate with third-party platforms, carriers, payment processors, courts, notarization providers, cloud services, analytics providers, identity-verification vendors, or other external services.
Such third parties are generally subject to their own terms, conditions, and privacy practices. Accirva is not responsible for services, systems, availability, or policies of third parties except to the extent required by applicable law or expressly stated in a written agreement.
8. Remote Online Notarization
If Remote Online Notarization or related services are used, you agree to comply with applicable identity-verification, credential-analysis, audio-video, and recordkeeping requirements associated with the transaction and governing law.
Availability, requirements, timing, and fees may vary by jurisdiction, platform, operational constraints, identity-proofing outcomes, and legal eligibility.
9. Restricted Uses; FCRA and DPPA
Accirva is not a Consumer Reporting Agency, and the Services and outputs may not be used for credit eligibility, employment decisions, insurance underwriting, tenant screening, housing decisions, or any other purpose regulated by the Fair Credit Reporting Act.
Requests involving motor-vehicle, driver, or DMV-related information must be supported by a lawful and documented permissible purpose under the Driver’s Privacy Protection Act and any applicable state-law analogs. You are solely responsible for ensuring that your use is lawful.
10. Intellectual Property; Copyright Complaints
Except for Customer Content, the Services, website content, software, branding, layouts, designs, documentation, and related materials are owned by or licensed to Accirva and are protected by intellectual-property and other applicable laws.
No ownership rights are transferred to you by use of the Services, except for the limited access rights expressly granted under these Terms.
If you believe that content made available through the Services infringes your copyright, you may submit a copyright complaint in accordance with applicable law and Accirva’s designated notice procedures.
11. Service Availability; Disclaimers
The Services are provided on an “as is” and “as available” basis to the maximum extent permitted by applicable law.
Accirva does not warrant that the Services will be uninterrupted, error-free, fully secure, available at all times, or suitable for every specific purpose. Accirva also does not warrant the timing, availability, or performance of courts, agencies, carriers, vendors, identity-verification providers, or other third parties.
To the maximum extent permitted by law, Accirva disclaims implied warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing, usage, or trade practice.
12. Limitation of Liability
To the maximum extent permitted by law, Accirva and its affiliates, officers, directors, employees, contractors, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or business opportunities arising out of or relating to the Services or these Terms.
To the maximum extent permitted by law, Accirva’s aggregate liability for any claim arising out of or relating to the Services or these Terms will not exceed the amount paid by you to Accirva for the specific service giving rise to the claim during the 12-month period preceding the event giving rise to liability.
Nothing in these Terms excludes or limits liability to the extent such limitation is prohibited by law.
13. Indemnification
To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Accirva and its affiliates, officers, directors, employees, contractors, and agents from and against claims, demands, proceedings, damages, judgments, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:
- your use or misuse of the Services;
- your Customer Content;
- your violation of these Terms;
- your violation of applicable law or third-party rights; or
- your instructions, requests, or submissions made through the Services.
14. Dispute Resolution; Arbitration
To the extent permitted by applicable law, disputes arising out of or relating to these Terms or the Services may be resolved through binding individual arbitration rather than court litigation, except where applicable law requires otherwise or where a claim qualifies for small-claims court.
Any arbitration process, administrator, applicable rules, opt-out procedures, and related requirements may be described in a separate arbitration addendum or notice, if provided by Accirva.
To the extent arbitration applies, class, collective, consolidated, or representative proceedings may be restricted to the maximum extent permitted by law.
15. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles, except to the extent federal law, including the Federal Arbitration Act, applies to dispute-resolution issues.
16. Suspension and Termination
Accirva may suspend, restrict, or terminate access to the Services at any time where reasonably necessary for security, legal compliance, fraud prevention, non-payment, abuse prevention, inactivity management, operational reasons, or suspected breach of these Terms.
Upon termination, your right to use the Services will cease, but any provisions that by their nature should survive termination will remain in effect, including provisions relating to payment, intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and governing law.
17. Changes to These Terms
Accirva may revise these Terms from time to time. If material changes are made, Accirva may update the effective date and take additional steps as required by applicable law or deemed appropriate under the circumstances.