Terms & Policies

Terms of Service

Last Updated: February 4, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern access to and use of the Chronly platform ("Chronly," "we," "us," or "our"), operated by Inventivemax. By creating an account or using Chronly, you agree to be bound by these Terms.

2. Eligibility

Chronly is intended for business use only. You must be 18 years of age or older and legally capable of entering into a binding agreement to use the platform.

3. Platform Description

Chronly is an all‑in‑one business platform that enables merchants to:

  • Create quotes and invoices
  • Sell products via checkout links and storefronts
  • Track mileage and expenses
  • Accept payments through integrated third‑party processors

Chronly is a technology platform only and is not a party to transactions between merchants and their customers.

4. Merchant Responsibilities

Merchants are solely responsible for:

  • Product listings, pricing, descriptions, and legality
  • Customer communications, fulfillment, refunds, and disputes
  • Taxes, regulatory compliance, and consumer protection obligations

Chronly does not inspect, endorse, or guarantee merchant goods or services.

5. Payments, Tokenization & Quick Pay

Chronly enables payments through Finix, a third‑party payment processor. Chronly does not process or store raw payment card data.

When a payment is completed:

  • Finix securely processes the transaction
  • Finix returns a tokenized payment credential
  • Chronly stores only the token and limited metadata

Token Characteristics:

  • No credit card number, CVV, or bank data
  • Cannot be reverse‑engineered
  • Usable only within Finix and Chronly
  • Useless outside the Finix ecosystem

These tokens enable features such as Quick Pay, saved payment methods, and recurring billing.

By using payment features, you agree to Finix's terms and acknowledge that Chronly cannot access or retrieve full payment credentials.

6. Fees

Chronly may charge subscription or usage‑based fees. All fees will be disclosed prior to billing.

7. User‑Generated Content

Merchants retain ownership of their content but grant Chronly a limited license to host, display, and process it for platform operation.

8. Prohibited Use

You agree not to:

  • Violate laws or regulations
  • Sell prohibited or illegal products
  • Attempt to bypass platform security
  • Misuse payment systems

9. Disclaimer of Warranties

Chronly is provided "as is" and "as available." We disclaim all warranties to the fullest extent permitted by law.

10. Limitation of Liability

Chronly shall not be liable for indirect, incidental, or consequential damages. Total liability shall not exceed fees paid to Chronly in the previous 12 months.

11. Termination

We may suspend or terminate accounts at any time for violation of these Terms or legal requirements.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of British Columbia, Canada. Any disputes shall be resolved in courts located in British Columbia or through arbitration where permitted.

Code of Conduct

2. Merchant Disclosure & Transparency

Fee Disclosure (Code of Conduct Elements 1a, 1b, 1c)

  • In compliance with Elements 1a, 1b, and 1c of the Code of Conduct, we ensure that all fees and charges are disclosed in a manner that is clear, simple, and not misleading.
  • All fees are simple, flat, and clearly displayed on our platform.
  • Fees are disclosed before a merchant signs up to enable payments or create a merchant account.
  • Fees remain accessible and visible after sign-up through the merchant's dashboard at any time.
  • For every payment collected, the platform displays the exact processing fee passed through from Finix. Merchants can click on any transaction and see the detailed breakdown of fees associated with that payment.
  • There are no hidden fees, variable pricing, or retroactive charges.

Card Acceptance Choices

  • Merchants are able to specifically choose which card types (e.g., Visa, Mastercard, American Express, etc.) they wish to accept.
  • This choice is made each time a merchant creates a method to receive payments, ensuring they have full control over which card brands are accepted.

Contractual Terms

  • There are no contracts associated with payment processing services.
  • Merchants may start or stop using our payment services at any time without penalty.
  • Our platform includes an optional premium subscription tier that unlocks additional software features. This subscription is independent of payment processing and does not affect payment acceptance, fees, or merchant rights under the Code of Conduct.

Ongoing Transparency

  • Merchants can view fees at any time through their dashboard, both in summary form and at the individual transaction level.
  • As required by Element 1c, merchants will receive information consistent with the pricing model used by InventiveMax (currently flat-rate pricing). Any updates to the pricing model will also be communicated clearly and in advance.

3. Fee Structures & Communication

  • Pricing is displayed in a simple, easy-to-read format.
  • Any changes to fees will be communicated in writing (via email and platform notifications) at least 30 days in advance and no more than 60 days in advance, in accordance with Code of Conduct requirements.
  • Payment services are not bundled with unrelated services.

4. Handling Consumer Complaints & Disputes

  • Consumer complaints can be submitted by email to [email protected].
  • We will acknowledge complaints within 5 business days.
  • All complaints will be resolved within 20 business days, as required. If resolution within 20 business days is not possible, the merchant will be informed of the reason for delay and the expected response time.
  • If a complaint is against a sub-merchant using our platform, we will contact the sub-merchant directly on behalf of the complainant to attempt to resolve the issue.
  • If a complaint is from a merchant about our services, we will make every effort to accommodate and resolve the matter directly with them.
  • If we are unable to resolve a complaint to the satisfaction of the complainant, we will provide them with information on how to contact the Financial Consumer Agency of Canada (FCAC).
  • All complaints and their outcomes are logged and tracked internally for accountability and compliance purposes.

5. Compliance Oversight

  • Policies will be reviewed annually or whenever there are relevant regulatory updates.

6. Additional Controls

  • Merchants are never enrolled into additional services without explicit consent.
  • All marketing, onboarding materials, and communications are straightforward and fact-based.

Contact Us

If you have any questions, concerns, or need assistance regarding our Terms of Service, Code of Conduct, or any other aspect of the Chronly platform, please don't hesitate to reach out to us.

Email

[email protected]

What to Contact Us About

  • Questions about our Terms of Service or Code of Conduct
  • Consumer complaints or disputes
  • Technical support or platform assistance
  • Billing or payment inquiries
  • General questions about Chronly services

Response Time: We aim to respond to all inquiries within 5 business days. For urgent matters, please indicate "Urgent" in your email subject line.