Terms of Service
Last Updated: April 1, 2026
1. Acceptance of Terms
By accessing or using the Service, you affirm that you are at least 18 years old and capable of entering into a legally binding agreement. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
2. Fees and Payments
2.1 Standard Fee Structure: Unless otherwise explicitly stated in a written demo agreement, service quote, or custom contract provided by Noto, the fees for use of the Service are as follows:
Credit Card Transactions: 3.15% + $0.30 per transaction.
ACH Transactions: 0.6% per transaction.
2.2 Precedence: In the event of a conflict between the fees listed here and a separate signed service agreement or demo quote, the fees stated in the specific agreement shall prevail.
2.3 Fee Deduction: All applicable fees will be automatically deducted from the transaction amount before funds are deposited into your account.
2.4 Right to Modify: Noto reserves the right to modify its fee structure at any time. Any changes will be communicated to you with at least 30 days' notice before taking effect. Continued use of the Service after changes take effect constitutes agreement to the modified fees.
Data Collection and Usage
3.1 Collection of Information: By using the Service, you agree that Noto may collect, store, and process certain information about you and your transactions. This includes, but is not limited to, contact details, payment information, and usage metadata.
3.2 Purpose of Collection: We collect this data to:
Facilitate and verify transactions.
Comply with Know Your Business (KYB) and Know Your Customer (KYC) regulations, as well as Anti-Money Laundering (AML) laws.
Verify the identity of your business entity and its significant owners/controllers.
Improve the Service and prevent fraudulent activity.
3.3 Data Sharing: Noto may share necessary data with third-party payment processors (such as Stripe) and regulatory authorities as required to provide the Service or comply with the law
4. Privacy
5. License and Restrictions
Subject to your compliance with these Terms, cloze grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for personal, non-commercial purposes. You agree not to:
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Use the Service for any illegal, unauthorized, or prohibited purposes.
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Modify, adapt, translate, reverse engineer, decompile, or disassemble the Service.
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Copy, distribute, transmit, display, perform, or create derivative works of the Service.
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Interfere with or disrupt the integrity or performance of the Service.
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Use any automated means, including bots or scrapers, to access or interact with the Service.
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Remove, alter, or obscure any copyright, trademark, or other proprietary notices on the Service.
6. User Content
The Service may allow you to submit or post content, including text, images, or other materials (“User Content”). You retain ownership of your User Content, but by submitting or posting it on the Service, you grant Applico a worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Service.
You agree not to submit or post any User Content that is unlawful, infringing, defamatory, obscene, or otherwise objectionable. Cloze reserves the right to remove or disable any User Content that violates these Terms or is deemed inappropriate at its sole discretion.
7. Intellectual Property
The Service and its content, including but not limited to text, graphics, logos, images, and software, are the property of Cloze or its licensors and are protected by intellectual property laws. You agree not to use, copy, reproduce, modify, distribute, or create derivative works based on the Service without Cloze’s prior written consent.
8. Third-Party Fees
Please be aware that your financial institution or card issuer may charge additional fees for certain transactions. These fees are not within Noto's control and are not included in the Noto processing fees outlined above.
9. Indemnification
You agree to indemnify and hold Noto, its affiliates, directors, officers, employees, and agents
