Terms and Conditions for International Sales

Updated on September 23, 2026

We are Kirvano.

A safe, practical and intuitive platform ready to boost digital businesses all around the globe.

These terms apply to all international transactions involving cross border global operations. Certain features might not be available in all territories to all users, and usability restrictions due to will not generate any liability for the Platform.

Please, read all the Terms and Policies carefully!

These Terms and Conditions (hereinafter referred to as the "Terms") are a legally binding agreement between each and every User and the Kirvano (also designated as "Platform"), that contain important information about your rights and obligations regarding the access or use of the Platform's Services. By accessing or using the Platform, you agree to be bound by these Terms and abide by their rules.

For a better understanding of these guidelines, please consider the following terms in accordance with the definitions assigned below, when they begin with capital letters:

Throughout this regulation, when the Platform or Merchant of Records is mentioned, the associated entity will be Kirvano, as a specific legal entity and also as an economic group of globally associated entities.

The party that registers a product for sale through the Kirvano gateway, and is responsible for the offer and its content, may be referred to as a Supplier.

Each and everyone that purchases a product through the Kirvano interface will be considered a Buyer, regardless of whether the purchase is through billing and payment, or free of charge, being the final recipient of the product or service.

The Product refers to the content registered for sale by the Seller, linked to a Kirvano payment checkout. It may be a service provision, a one-time deliverable, or a subscription, as specifically described in the offer.

Support should be understood as Kirvano's specialized customer experience team, specialized in assisting platform users, whether they are buyers and/or sellers. Support can be accessed through the channels available on the website and also the emails located in the footer of this document.

The Purchase Order refers to the registers of a buyer's request for a product, regardless of its payment approval by the processors and acquirers responsible for the monetary transaction.

Legal Entities

Kirvano's global operation is orchestrated through an economic group structure, meaning you can transact with different legal entities depending on the buyer's declared location or the currency used in the transaction.

Kirvano is a company originally created in Brazil, named DM INSTITUIÇÃO DE PAGAMENTO LTDA, enrolled to the Brazillian Taxpayers Registry (CNPJ/ME) under the No. 48.582.146/0001-19, headquarters located at Barueri, state of São Paulo, on Rio Negro Avenue, 503, 23rd Floor, Suite 2301, Alphaville Empresarial, ZIP Code 06454-000, and If the transaction is carried out in Reais (BRL), between two Users who declare residence in Brazil, that is the company that processes the transaction. In case at least one of the Users involved in the transaction declares residence abroad, meaning outside Brazilian territory, the transaction will be processed by KIRVANO SERVICES SOLUTIONS LIMITED, incorporated by the law of Nicosia, Cyprus, assigned the TIN 60231298C, based at Promodrou Street, 75, OneWorld Parkview House, 1st floor, Office 108, 2063. Throughout these terms, mentions of "Kirvano" legally refer to Kirvano Services Solutions Limited, as formally identified. International transactions may be processed and executed by the aforementioned Cyprus entity in US dollars (USD) or euros (EUR).

Business Model Statement

For all legal, contractual, tax, and regulatory purposes, the under the Merchant of Record (MoR) structure, holding responsibility for the commercialization of Products made available through the digital environment, including, but not limited to: (i) charging the price to the Buyer; (ii) processing payments; (iii) issuing tax documents or sales receipts, when applicable; (iv) collecting and fulfilling applicable tax obligations; (v) managing chargebacks, cancellations, refunds, and reimbursements; and (vi) providing customer service regarding the consumer relationship.

This operation shall not be interpreted or reclassified, under any circumstances, as mere intermediation, marketplace, agency, commercial representation, consignment resale, payment service provision, flash title reseller, or any other model that can seem similar on operational or commercial characteristics. It is expressly acknowledged that the Platform bears full responsibility for the transaction carried out.

The recognition of this structure is an essential condition for the use of the Platform and for the validity of the legal relationships arising from it.

Cross Border Structure and Supply Chain

The incorporated companies, as described in these terms, operate as a Merchant of Records (mentioned ahead as "MoR"), through online features as a digital platform, placed by the domain of kirvano.com, that enables and provides digital structure for the commercial transactions ("Services").

That being said, at the MoR structure, Kirvano is authorized by the Supplier to resell its products through the Platform, using its own payment processing technology.

Therefore, when the Buyer completes a purchase, they are transacting directly with Kirvano and acquiring a Product from the Platform. At the same time, when a Supplier makes a sale, Kirvano is the one acquiring the Products, with explicit authorization to resell them.

As the operation goes global, the Products resale will be registered at the Buyers country of residence (consumer's domicile), unless specific legislation states otherwise.

Users Eligibility

To register an account at the Platform, you must be fully capable of forming a binding contract with Kirvano, which means i) that you have reached the legally stipulated age to validly take independent acts; ii) you are an emancipated minor; iii) or you are between 13 and 18 years old and are duly assisted and authorized by your legal guardians regarding the use of the Platform. In all of the referred cases, it must be certain that there are no other factors that prevent you from carrying out all acts of civil life, or any factors could invalidate the relationship established between Kirvano and you during the use of the platform. If you register with Kirvano on behalf of a legal entity, you declare that you have such powers and all necessary authorizations to bind it regularly.

Restricted Users

The Platform can refuse or cancel a User's registration if it becomes aware, by itself or through a substantiated complaint by a third party, of the existence of a conviction, through a final sentence, for (a) heinous crimes or similar felonies; (b) involvement in criminal organizations, money laundering, terrorism or international human trafficking; or (c) crimes committed by electronic means or cyber mechanisms.

Activity Monitoring and Platform Interventions on the User's Account

In order to attend to legal obligations and to adopt security protocols, Kirvano may suspend and/or delete a User's account due to evidence of malicious, fraudulent, or illegal behavior. This may result in the refusal of withdrawals from the available balance, retention of funds to cover losses to the platform or third parties, and reporting any identified suspicions to the competent authorities.

Credentials and Access Accountability

Each and every User is responsible for maintaining the confidentiality of any credentials used to access your account. You agree not to share your password or username, nor to lend or otherwise transfer your use of or access to your account to any third party. All your actions on the platform are logged, with all historic registers preserved by the Platform for presentation in case of losses or illegal activities. If you identify any unusual activity on your user profile, you agree to immediately notify us of any unauthorized use of your credentials or any other breach of security related to your account. To register as a User, you must ensure that you are using an active email address and phone number.

Registration and Compliance Protocols

Kirvano takes the integrity of the community using the Platform very seriously, and therefore, reserves the right to perform verifications before or after the registration of Users, the offer of a Product, or the insertion of any content on the Platform, as well as the right to require additional information or even changes to Products registered on the Platform. Any references to a User or Product under "analysis" (or similar language) only indicate that the User or Product is undergoing a registration verification process and nothing more. None of these descriptions represent an endorsement, certification, or guarantee by the Platform regarding the Product's quality. Nor do these descriptions represent any proof that the User or Product complies with applicable law, these Terms or Platforms policies. We remind you that Users, and not Kirvano, are responsible for complying with all the rules applicable to the registered Products and their sale and sharing.

Changes to These Terms or the Services

These Terms are subject to change by Kirvano, and such changes may be made without prior written notice at any time, at the provider's sole discretion. The most recent version of these Terms will be published on this website or its own extensions registered at kirvano.com, and the User should review them before purchasing any Products available through the Services. Continued use of the Services after the publication of a change, identified by the date of the last publication, will constitute your acceptance of and agreement to such changes to these Terms. The same applies to changes to the Services themselves, considering that resources and technology are constantly evolving, Kirvano reserves the right to change or discontinue, in whole or in part, the Services at any time and also without prior notice, at its sole discretion.

Kirvano Provides a Global Structure for Safe and Practical Digital Sales

Kirvano is a technology company responsible for the development and maintenance of an integrated platform designed to facilitate and manage the sale of digital products and services. In the context of international transactions, Kirvano operates under a Merchant of Record (MoR) model, acting as the entity responsible for processing and collecting payments from end customers and managing the transaction on behalf of the underlying supplier. As Merchant of Record, Kirvano assumes the responsibilities associated with the payment transaction and commercial sale within the scope of its services, including payment processing, transaction records, refunds and chargebacks, as well as applicable tax collection, reporting and remittance obligations, where required under the relevant jurisdiction.

Limitation of Responsibility Related to Third Parties Offers and Advertisement

This Platform may contain links that redirect to other websites owned and operated by third parties. In these cases, Kirvano will not be considered responsible for any content linked outside the kirvano.com domain, since content broadcast by third parties is not under Kirvano's control. Redirecting pages are considered independent, and the promoters of these pages are solely responsible for the content and proper functioning of the resources, without transferring such responsibility to Kirvano, even indirectly. Kirvano assumes no responsibility for the content of any linked third-party websites and makes no representations regarding the content or accuracy of the material on those sites. Access to any third-party website is at your own risk.

No Warranties

To the fullest extent permitted by law, the Platform, acting as the merchant of record, provides its services "As Is" and "As Available," without any representations or warranties of any kind, whether express, implied, statutory, or otherwise. The Platform makes no warranties or representations about the accuracy, reliability, completeness, or timeliness of any content, transaction, or information processed through its systems.

The Platform does not warrant that:

(a) transactions will be completed or error-free;
(b) the services will meet any specific requirements or expectations;
(c) the platform will be uninterrupted, secure, or free from defects or harmful components; or
(d) the products, services, or content will have any specific quality or suitability beyond what is limited at the descriptions provided by the Supplier.

To the extent permitted by applicable law, all warranties of merchantability, fitting a particular purpose, title, and non-infringement are hereby disclaimed. Users and merchants acknowledge that they assume full responsibility for the use of the platform and for any transactions made through it.

Non Acceptable Platform Use and Terms Violations

If you use the Platform in a way that is incompatible with these Terms, Kirvano may apply different measures, at any time, with or without prior notice. These measures may include, notwithstanding others, (a) the suspension of access to your Product or offer, (b) suspension of access to your account, (c) cancellation of your registration, or (d) the revocation of your authorization to use any features of the Platform. All measures taken can be applied temporarily or permanently to your user account, credentials or any other accesses if found to be in violation of these Terms and/or other Policies, or is suspected of fraud or illegal activities.

Failure to Comply With These Terms and Conditions Can Result in the Adoption of Corrective and Compensatory Measures

If you fail to observe any condition of these Terms or other policies displayed at Kirvano's domain, in whole or in part, Kirvano may apply different measures, at its sole discretion, exclusive to your situation, in isolation or cumulatively, with or without prior notice, at any time and for such period as it deems appropriate. Among these measures, notwithstanding others not provided in these Terms, Kirvano may apply: (a) a formal warning; (b) limitation, removal, or termination of your accesses at the Platform; (c) suspension or termination of any special benefit or category, including commercial matters, offered by the Platform related to the User; (d) removal of the content of Product page; (e) withholding assets as a security protocol; or (f) immediate termination of this agreement.

Help Center and Customer Support

To contact Kirvano or if you need any User support with your access to the Platform or the Product, please use the email addresses provided in the footer of this document, according to your preferred language: ajuda@kirvano.com to get assistance in portuguese; help@kirvano.com to get support in english, and ayuda@kirvano.com if you rather us to help in spanish.

Specific Supplier Dispositions

If you are a Supplier to Kirvano, here you can find specific dispositions that also applies to your journey with us:

As a Merchant of Records, We Act as Your Authorized Reseller

Once you integrate the supply chain, you will be granted a Supplier profile on Kirvano's Platform. By selling your Products directly to Kirvano, you authorize us to act as your non-exclusive reseller across all territories supported by Kirvano's global operation.

By listing products for sale through Kirvano's payment gateway, you expressly authorize the Platform to resell the products to end consumers, regardless of the formalization of a specific instrument to this effect, considering the acceptance of these Terms and Conditions as sufficient to support the legitimacy of the transaction. The authorization for reselling will only be revoked upon a formal request from the Supplier to delete the account on the MoR platform.

Among the resale responsibilities, Kirvano will handle the collection and declaration of applicable sales taxes, issue the corresponding purchase invoice, facilitate the shipment of products to Buyers, and provide after-sales support.

As a Supplier, it is your duty to collaborate with Kirvano to ensure that the Product descriptions, information and specifications are presented accurate, precise and clearly, that the Product is supplied in perfect condition, without any misfunctions or flaws, and that, if any irregularity is identified, it is immediately replaced or refunded, so that all the Buyer's rights are attended to. This collaborative approach is essential for Kirvano to continue doing business with you.

Resale Warrants by the Supplier

The Supplier warrants that all Products and/or digital content under this Agreement are original, authentic, legitimate and free of malware comply with all applicable laws, regulations, and technical standards in the jurisdictions where they are offered for sale, including but not limited to consumer protection, data protection, and product safety requirements. In the event that any Product or fails to conform to the above warranties, the Supplier shall, at its sole cost and within a reasonable period, remedy such non-conformity, replace the Product, or refund the MoR for all amounts paid, including any costs incurred due to customer claims, returns, or refunds. Kirvano undertakes to resell the product exactly as it was supplied, without making modifications, partial or total edits, and also undertakes not to violate any intellectual property of the Supplier.

Product Acquisition: Resale Fee and Payout

In your logged-in area, which access is restricted to your login credentials and password, you will be able to manage relevant product supply information and financial records, listing all deductions and addictions detailed and specified, with adequate transparency.

Graphic Balance: Your earnings, related to products supplied by you to be resold by Kirvano, will be indicated in a graphic balance in your logged-in user area. The balance will be divided into "available" status, which is the amount that can be transferred instantly; and "pending" balance, which is the projection of amounts that will still be made available, according to the deadlines. The graphic balance is represented in gross format, that is, without the application of deductions, which you can identify in detail when you request a withdrawal of amounts.

Resale Fee: Kirvano, as the MoR, shall charge the Supplier a "Resale Fee" for each resale transaction registered. The Service Fee shall be calculated as a percentage of the gross sales amount, as specified in the applicable commercial schedule or pricing plan. The Service Fee covers the operational costs to enable the end-to-end for the resale transaction.

Net Acquisition Price: The Supplier will be paid the net acquisition price, and the payout will be processed considering the deduction of the applicable Resale Fee, other prescripted transaction fees, chargebacks, refunds, taxes, and any other authorized deductions prior to calculating the net proceeds (the "Payout Amount") due to the Supplier by Kirvano.

Payout Schedule: The acquisition payments will be converted into available Payment Amount due to the commercial standard timeline, subject to the availability of cleared funds and the Supplier's compliance with all applicable laws, KYC requirements, and tax documentation obligations. The parties may agree on different deadlines from commercial special conditions if formalized by a separate and signed instrument.

Right to Withhold or Offset: The MoR reserves the right to withhold, delay, or offset any Payout Amount in the event of actual or suspected fraud, customer disputes, regulatory investigations, chargebacks, or breach of this Terms and Conditions by the Supplier.

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