Terms of Service

These Terms of Service constitute a legally binding agreement between you and Craig Morgan, an individual doing business as Morgan Media Creations and Savn, referred to in these Terms as “Savn,” “we,” “us,” or “our.”

By accessing the Savn website, creating an account, purchasing a deal, claiming or managing a merchant storefront, submitting a deal, or otherwise using our services, you acknowledge that you have read, understood, and agreed to these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not access or use Savn.

You agree that electronic records of your acceptance, including the version of these Terms and the date and time of acceptance, may be used to demonstrate your agreement where permitted by law.

You must be at least 18 years old and legally capable of entering into a binding contract to create an account, purchase a voucher, or operate a merchant account.

You agree to provide accurate, current, and complete information and to keep your information updated. You are responsible for maintaining the confidentiality of your login credentials and for all activity conducted through your account.

You must promptly notify Savn if you believe your account has been accessed or used without authorization.

You consent to receive operational communications electronically, including purchase confirmations, vouchers, redemption information, refund and payout updates, account and security notices, merchant or deal decisions, and in-app platform announcements. Marketing emails, text messages, or similar communications remain subject to any separate consent and unsubscribe rights required by law.

You may not impersonate another person or business, create an account using false information, transfer an account without permission, or use Savn for unlawful or fraudulent purposes.

If you use Savn through a merchant or sales-team account, you may access only the features, merchants, and information assigned or authorized for your role. Sales-team users may not represent that they can bind Savn, approve deals or storefront claims, issue refunds, control payouts, change platform fees, or access unrelated merchant, customer, voucher, or administrative information.

Savn operates an online marketplace that allows independent merchants to promote offers and facilitates customer purchases of merchant offers represented by digital promotional vouchers for specifically identified products, services, and experiences.

Unless expressly stated otherwise, Savn is not the merchant, manufacturer, restaurant, service provider, venue, or operator responsible for fulfilling a deal. The applicable merchant is responsible for providing the advertised product, service, or experience.

Merchants are independent businesses and are not employees, agents, joint venturers, or legal representatives of Savn. Savn does not control the day-to-day operations of participating merchants.

Savn may review merchant applications and deal listings, but review or publication does not constitute a guarantee regarding a merchant’s quality, safety, licensing, availability, or future performance.

When you purchase a deal, you agree to pay the displayed purchase price, applicable taxes, and any other amounts disclosed before checkout.

Prices, availability, purchase limits, redemption periods, and restrictions are determined by the applicable deal listing and may vary by merchant.

Deal-specific terms control with respect to the product, service, redemption period, location, eligibility, and restrictions for that deal. Deal-specific terms do not override applicable law or the provisions of these Terms governing prohibited conduct, platform security, disputes, or Savn's legal rights.

A purchase is not complete until payment has been successfully processed and Savn has issued a purchase confirmation.

Savn may reject or cancel a transaction when reasonably necessary, including in cases of suspected fraud, payment failure, pricing errors, technical errors, listing mistakes, legal restrictions, or unavailable inventory.

Savn may offer promotional codes with stated eligibility rules, expiration dates, minimum purchases, usage limits, participating deals, and other restrictions. Unless expressly stated otherwise, promotional codes may not be combined, transferred, redeemed for cash, or applied after a purchase. Savn may reject or cancel codes obtained or used through fraud, error, duplication, or misuse. A refund will not exceed the amount the customer actually paid. Savn-funded customer discounts do not reduce the merchant's agreed payout unless Savn and the merchant separately agree otherwise.

Taxes may depend on the deal, merchant, customer location, and applicable marketplace-facilitator or other tax rules. Savn or the merchant may collect, report, or remit taxes when legally required.

Savn vouchers are promotional vouchers redeemable for the specific merchant product, service, experience, or offer identified in the applicable deal listing. They are not general-purpose gift cards, stored-value accounts, reloadable balances, or cash equivalents. They may not be redeemed for cash or applied to unrelated products or services except where required by law or expressly permitted by the merchant.

After a successful purchase, Savn will issue a digital voucher containing a unique voucher code, QR code, or both. Vouchers may be accessible through your Savn account and may also be delivered through a purchase-confirmation email.

You are responsible for protecting your voucher and voucher code. Anyone with access to a valid voucher may be able to redeem it. Savn is not responsible for unauthorized redemption caused by your sharing, publishing, or failure to protect a voucher.

Each voucher may be redeemed only once unless the deal expressly states otherwise. A voucher that has been properly marked as redeemed may not be reused, copied, resold, duplicated, or transferred for commercial purposes.

Voucher use is subject to the deal’s stated conditions, including expiration dates, reservation requirements, eligible locations, redemption hours, customer limits, exclusions, and other merchant-specific restrictions.

Each voucher must be redeemed during the promotional period and by the expiration date displayed in the deal listing and on the voucher. After that date, the promotional offer expires and the merchant is no longer required to provide the listed product, service, discount, or other promotional benefit, except to the extent otherwise required by applicable law.

Personal gifting of an unused voucher is permitted unless the deal states that it is nontransferable or the recipient does not satisfy the deal's eligibility requirements. Commercial resale, bulk transfer, and use of vouchers for advertising or promotion are prohibited without Savn's written permission.

Customers must review all deal terms before purchasing and before visiting a merchant.

To redeem a voucher, you must present the digital voucher or its valid redemption code to the participating merchant in accordance with the deal instructions.

The merchant may scan the voucher’s QR code or enter the voucher code manually. Once accepted, the voucher may be permanently marked as redeemed.

You may be required to present identification, make an appointment, meet eligibility requirements, or pay additional charges that were clearly disclosed in the deal terms.

Attempting to redeem a voucher more than once, modifying a voucher, generating counterfeit codes, or interfering with Savn's redemption system is prohibited.

Savn's Purchase Protection Promise helps protect eligible purchases when a valid Savn voucher cannot be honored as described. If Savn verifies that a claim qualifies, Savn will refund 100% of the amount the customer actually paid through Savn for the affected voucher. Eligibility is governed by these Terms, the deal's specific conditions, and our Refund & Voucher Policy.

What's covered

Subject to verification, Purchase Protection applies when:

• A merchant refuses to honor a valid, unused, and unexpired voucher according to its published terms;
• The purchased product, service, or experience is materially different from the offer advertised on Savn;
• A merchant permanently closes while the voucher is valid and unused, making the purchased offer unavailable;
• A verified technical problem caused by Savn prevents delivery or use of a valid voucher; or
• The same purchase is charged more than once because of a verified processing error.

What's not covered

Purchase Protection generally does not apply when:

• The voucher has expired;
• The voucher was already redeemed or partially used;
• The customer changed their mind, no longer wants the offer, found another price, or cannot use it for personal reasons;
• The customer failed to read or follow disclosed restrictions, eligibility rules, appointment requirements, service areas, available dates, cancellation policies, or other deal terms;
• The customer missed, canceled, or arrived late for an appointment contrary to the merchant's disclosed policy;
• The merchant reasonably refused service because of unlawful, unsafe, abusive, fraudulent, threatening, or disruptive conduct;
• The merchant substantially provided the offer as described and the claim is based only on personal preference or dissatisfaction;
• The voucher was obtained, transferred, resold, duplicated, altered, or used in violation of these Terms;
• The purchase or claim involves suspected fraud, account sharing, payment disputes, chargebacks, promo-code abuse, identity misuse, or manipulation of the refund process; or
• The customer has already received a refund, payment reversal, account credit, replacement service, or other remedy for the same purchase.

Customers must make a reasonable attempt to resolve the problem with the merchant before requesting Purchase Protection unless doing so would be unsafe or impractical. A request must ordinarily be submitted within 14 days after the problem occurs and while the voucher remains valid. A merchant-closure request must be submitted within 30 days after the customer reasonably learns of the closure, and the voucher must have been valid and unused when the merchant permanently closed. Different deadlines apply where required by law.

The customer must provide the voucher code, a description of the problem, relevant merchant communications, and other information reasonably requested by Savn. Savn may contact the merchant and examine purchase, account, voucher, redemption, and communication records. Submitting a claim does not automatically guarantee a refund.

Savn may deny, suspend, or reverse a claim when information is incomplete, inaccurate, inconsistent, duplicated, altered, or reasonably suspected to involve fraud or misuse. Savn may restrict or terminate accounts involved in fraudulent or abusive claim activity and will make eligibility decisions reasonably and in good faith based on the available records.

An approved refund equals 100% of the amount actually paid through Savn for the affected voucher. It does not include the advertised retail value, expired promotional value, unused promo codes, third-party costs, travel expenses, tips, consequential losses, or amounts paid directly to the merchant. Refunds will ordinarily be returned to the original payment method, where possible.

If a merchant closure or another covered event causes a refund, Savn may deduct, offset, reverse, or recover the related amount from the merchant's pending or future payouts as permitted by the merchant agreement and applicable law.

Processing times may depend on Stripe, the customer's bank, and the applicable payment network. A refunded voucher will be canceled and cannot be redeemed.

Customers should contact Savn about a purchase problem before initiating a payment dispute when practical. Nothing in these Terms waives a customer's lawful chargeback rights. Fraudulent or knowingly false chargebacks are prohibited. Savn may use checkout, account, voucher, communication, and redemption records to respond to a payment dispute.

Nothing in the Purchase Protection Promise limits consumer rights or remedies that cannot legally be waived.

Review the complete Refund & Voucher Policy.

Savn uses Stripe and its affiliated services to process payments and, where applicable, merchant payouts.

By submitting payment information, you authorize Savn and Stripe to process the transaction, including applicable charges, refunds, reversals, and adjustments.

Your use of Stripe-related payment services may also be subject to Stripe’s own legal terms and privacy practices.

Savn does not guarantee that every payment method will remain available. We may add, remove, or restrict payment methods at any time.

You are responsible for providing accurate billing information and ensuring that you are authorized to use the selected payment method.

Anyone creating, claiming, or managing a merchant storefront represents that they have authority to accept these Terms and the applicable merchant fee arrangement, create and approve offers, bind the business to honor valid vouchers, provide payout and tax information, and manage authorized staff access to redemption tools.

Merchants must provide truthful, accurate, current, and complete information about their businesses, ownership, locations, contact information, licenses, qualifications, pricing, inventory, and offers.

Each merchant is solely responsible for:

• Honoring all valid vouchers according to the deal terms;
• Providing the advertised product, service, or experience in a professional and lawful manner;
• Maintaining all required licenses, permits, insurance, approvals, and registrations;
• Ensuring that deal descriptions, prices, photographs, videos, and claims are accurate;
• Disclosing material restrictions, limitations, exclusions, appointment requirements, and additional fees;
• Complying with consumer-protection, advertising, tax, employment, health, safety, accessibility, and privacy laws;
• Responding to customers and cooperating with disputes and refund investigations;
• Providing requested fulfillment, redemption, communication, and transaction records for refunds and payment disputes;
• Protecting access to the merchant account and redemption tools; and
• Ensuring that employees redeem vouchers only after the applicable benefit has been provided.

Merchants may not inflate ordinary prices to create a misleading discount, advertise unavailable inventory, manipulate customer reviews, redeem vouchers without providing the offer, or encourage customers to circumvent Savn.

Savn does not charge merchants a recurring subscription fee unless a separate written agreement expressly states otherwise.

Savn may deduct an agreed transaction fee from each completed sale. Applicable fees and payout terms will be displayed to the merchant or included in a separate merchant agreement.

Merchant payouts may be processed through Stripe and may be subject to identity verification, bank verification, transaction review, reserves, processing delays, minimum payout requirements, and applicable Stripe terms.

Savn may withhold, offset, reverse, or recover amounts associated with refunds, chargebacks, disputes, fraudulent transactions, duplicated payments, erroneous payments, merchant misconduct, legal obligations, or violations of these Terms.

Merchants are responsible for all taxes applicable to their businesses and proceeds unless Savn is legally required to collect, report, or remit a particular tax.

Savn may create or display a basic business profile using publicly available information, merchant-provided information, or information supplied by authorized representatives.

A person claiming a merchant storefront represents that they are authorized to act for and legally bind the relevant business, including as described in the Merchant responsibilities section. Savn may require verification and may accept, deny, suspend, or reverse a claim when ownership or authority is disputed.

Merchant storefronts must not include misleading information, infringing materials, unauthorized personal information, or content that violates law or these Terms.

Merchants and users may submit business names, logos, photographs, videos, descriptions, reviews if made available, messages, and other content (“User Content”).

You retain ownership of your User Content. By submitting it, you grant Savn a worldwide, nonexclusive, royalty-free, sublicensable, and transferable license to host, store, reproduce, modify for formatting, display, distribute, and use that content to operate, market, and improve Savn.

You represent that you own or have all permissions necessary to submit the User Content and grant this license.

Savn may remove or restrict content that we reasonably believe violates these Terms, infringes rights, misleads users, creates legal or security risk, or harms Savn or its community.

Copyright, trademark, or other intellectual-property complaints may be sent to support@savnstartshere.com and should identify the protected work or right, the challenged material and its location, the complainant's contact information, a good-faith statement, and a statement that the information provided is accurate and that the complainant is authorized to act. Savn may request additional information before acting on a complaint.

You may not:

• Use Savn for fraud, deception, or unlawful activity;
• Create false accounts or impersonate another party;
• Purchase or redeem vouchers using stolen payment methods;
• Copy, alter, counterfeit, or reuse vouchers;
• Manipulate purchases, reviews, referrals, fees, or payouts;
• Scrape, crawl, harvest, or extract data without written permission;
• Introduce malware or interfere with the security, availability, or operation of Savn;
• Attempt to access accounts, systems, or information without authorization;
• Reverse engineer Savn except where applicable law expressly permits it;
• Use Savn to distribute illegal, harmful, infringing, discriminatory, threatening, or deceptive content;
• Circumvent payment, fee, verification, moderation, or redemption systems; or
• Assist another person in engaging in prohibited conduct.

Savn and its licensors own all rights in the Savn platform, including its software, design, branding, text, graphics, interfaces, databases, and compilation of content, excluding User Content and third-party trademarks.

These Terms grant you a limited, revocable, nonexclusive, nontransferable right to use Savn for its intended purposes. No ownership rights are transferred to you.

“Savn,” the Savn logo, and related branding may not be used without prior written permission.

Savn may contain integrations or links to merchants, Stripe, Google, mapping services, social platforms, and other third-party services.

Savn does not control and is not responsible for third-party websites, services, terms, availability, security, or privacy practices. Your use of a third-party service is governed by that provider’s terms.

Savn may investigate suspected violations and may reject a deal, remove content, pause payouts, suspend access, cancel vouchers, restrict functionality, or terminate an account when reasonably necessary to protect customers, merchants, Savn, or others.

Reasons may include fraud, chargebacks, inaccurate information, failure to honor vouchers, unlawful conduct, security risks, abuse, repeated complaints, or violations of these Terms.

You may stop using Savn at any time. Account closure does not eliminate obligations arising before closure, including payment, refund, chargeback, indemnification, and record-retention obligations.

Suspension, termination, or account closure will not ordinarily invalidate a lawfully purchased voucher unless the voucher or transaction was fraudulent, refunded, charged back, duplicated, issued in error, or otherwise lawfully cancelable.

To the maximum extent permitted by law, Savn is provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise.

Savn disclaims implied warranties of merchantability, fitness for a particular purpose, title, noninfringement, and warranties arising from course of dealing or usage of trade.

We do not warrant that Savn will be uninterrupted, error-free, secure, or free from harmful components, or that every listing, merchant, price, review, voucher, service, or experience will meet your expectations.

Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.

Savn is not responsible for delay or failure caused by events beyond its reasonable control, including natural disasters, government actions, labor disruptions, widespread internet or utility outages, payment-network interruptions, cyberattacks, or merchant closures. This provision does not eliminate any mandatory refund, consumer-protection, or other remedy required by law.

To the maximum extent permitted by law, Savn and its owners, officers, employees, affiliates, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, goodwill, or business opportunities.

To the maximum extent permitted by law, Savn's total liability arising out of or relating to the services or these Terms will not exceed the greater of:

• The amount you paid directly to Savn during the 12 months preceding the event giving rise to the claim; or
• One hundred United States dollars ($100).

These limitations apply regardless of the legal theory and even if Savn was advised that damages were possible.

Some jurisdictions do not permit certain liability limitations, so portions of this section may not apply to you.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Savn and its owners, officers, employees, affiliates, contractors, and service providers from claims, liabilities, damages, judgments, losses, and expenses, including reasonable attorneys’ fees, arising from:

• Your use or misuse of Savn;
• Your violation of these Terms or applicable law;
• Your User Content;
• Your infringement of another party’s rights; or
• If you are a merchant, your business, deal, products, services, employees, locations, advertising, voucher fulfillment, taxes, licenses, or customer interactions.

Before filing a legal claim, you agree to contact Savn at support@savnstartshere.com and provide a written description of the dispute and requested resolution. The parties agree to attempt in good faith to resolve the matter informally for at least 30 days.

Unless prohibited by law or replaced with a separately reviewed arbitration agreement, any legal action arising from these Terms or Savn must be brought exclusively in the state or federal courts located in Spokane, Washington.

You and Savn consent to the personal jurisdiction and venue of those courts.

These Terms are governed by the laws of the State of Washington, without regard to conflict-of-laws principles, except to the extent federal law applies.

Mandatory consumer protections provided by the laws of your state of residence remain applicable when they cannot lawfully be waived.

This section applies to an agency, agency manager, or other business using an Agency Workspace. The person accepting these terms represents that they are authorized to bind the agency.

Agency participation is nonexclusive. Savn may accept multiple agencies, including competing agencies, in the same city, county, state, or other market. Savn does not grant protected territories, geographic exclusivity, lead exclusivity, or a guarantee of merchant availability.

Agencies may develop merchant relationships in any U.S. city or state. Contacting, soliciting, or speaking with a merchant does not reserve that merchant. A merchant is treated as agency-owned only when the relationship is properly recorded or assigned to that agency in Savn. Existing Savn or agency assignments must be respected. Savn may investigate competing claims and assign, transfer, or remove merchant ownership in its reasonable discretion.

• Agency signup must use an agency-controlled business email whenever reasonably possible. Signup creates the primary Agency Administrator account under the agency business name, rather than an individual employee name, and that account has full authority over the Agency Workspace.
• An authorized Agency Administrator or Agency Manager may create additional Agency Manager accounts for authorized personnel. Agency Managers have full administrative access to the agency's workspace, merchants, deals, team settings, finances, and payouts. They are not agency salespeople and do not receive salesperson commissions merely because they hold the Agency Manager role.
• If personnel changes, the agency must promptly archive individual manager and salesperson accounts that should no longer have access and must keep its authorized-user records current. An additional manager's or salesperson's named account may not be silently repurposed for another person. If the primary business account can authenticate, changing its sign-in email requires confirmation through the new inbox and a fresh sign-in using the existing password; if that login is inaccessible, Savn Admin may perform a verified recovery or transfer, invalidate prior sessions, and require a private password and acceptance of the current Agency Terms.
• Activity performed through valid agency administrator, manager, or salesperson credentials is treated as authorized agency activity to the extent permitted by law. The agency is responsible for safeguarding credentials, granting access only to authorized personnel, and reviewing access whenever personnel or responsibilities change.
• The agency must have the merchant's authorization to create or manage its storefront, locations, deals, pricing, images, and business information.
• The agency is responsible for the accuracy and legality of information submitted for its merchants and may not impersonate or misrepresent a business.
• Every merchant properly assigned to an agency uses the agency-managed model and is treated as verified under the agency's responsibility. The agency—not the merchant—controls the storefront, locations, social links, deals, pricing, inventory, promotion settings, voucher redemption, and related management tools.
• An agency-managed merchant cannot claim the storefront or use a Merchant Workspace while the agency assignment remains active. A merchant email stored by the agency is contact information only and does not create login credentials or a claim invitation.
• Completed deals created by an authorized agency manager or permitted agency salesperson may publish immediately without separate merchant action or Savn preapproval. The agency is responsible for verifying all prices, inventory, expiration dates, images, descriptions, restrictions, disclosures, and fulfillment obligations before publication.
• The agency must independently confirm that each business is legitimate, authorized the agency relationship, and is not a duplicate or impersonation. The agency must retain reasonable evidence of its merchant contract and authorization and provide it promptly if Savn investigates fraud, impersonation, a consumer complaint, a chargeback, a regulator inquiry, or another platform-safety issue.
• The agency may establish and collect its own merchant charges under its separate merchant contracts. Savn is not a party to those billing arrangements and does not collect, enforce, refund, or guarantee amounts a merchant owes the agency unless Savn expressly agrees in writing.
• If an agency assignment ends, Savn Admin must remove the assignment. The storefront then becomes self-managed and unclaimed; an authorized merchant representative must complete Savn's standard claim and verification process before Merchant Workspace access is available.
• The agency manager controls internal assignments to agency salespeople. Internal assignment does not change Savn's agency-level merchant ownership record.
• Agency salespeople are employees, contractors, or other personnel engaged solely by the agency—not by Savn—and do not receive direct Savn payouts, Savn Stripe onboarding, or a Savn independent-contractor agreement.
• The agency alone recruits, selects, contracts with, trains, directs, supervises, evaluates, disciplines, and terminates its personnel. Access to a Savn account, platform instructions, brand standards, or performance data does not make agency personnel employees, contractors, agents, or joint employees of Savn.
• The agency must use its own legally appropriate employment or contractor agreements and must determine each worker's correct classification based on the actual relationship and applicable law—not merely the title used by the agency or the worker.
• Savn pays eligible agency earnings as one consolidated payout to the agency's connected Stripe account. The agency is solely responsible for paying its sales team and for wages, commissions, expense reimbursement, minimum wage, overtime, leave, benefits, payroll, contractor classification, withholding, reporting, taxes, unemployment insurance, workers' compensation, other insurance, and employment-law obligations.
• For an agency-managed storefront, the agency controls the merchant payout holding period, minimum, schedule, and whether an eligible merchant payout is authorized through Stripe or recorded after an outside manual payment. Savn Admin continues controlling payouts only for self-managed Savn merchants.
• A Stripe merchant payout authorized by the agency is executed from Savn's platform payment balance to the merchant's connected Stripe account. This agency control does not make the agency a second Stripe platform, give the agency access to Savn's bank account, or permit the agency to redirect customer funds to an unrelated recipient.
• The agency is responsible for confirming the correct merchant recipient, selecting commercially and legally appropriate hold and payment timing, entering truthful manual-payment references, keeping payment evidence, and ensuring its customized payout statements and emails are accurate, lawful, and not misleading.
• Only an authorized merchant representative may complete Stripe onboarding and provide the merchant's bank, identity, and tax information through Stripe. The agency and its personnel may not request, collect, retain, or enter a merchant's bank credentials, tax identification number, password, recovery code, or authentication code by email or on the merchant's behalf.
• Savn may preserve transaction records and apply fraud, refund, chargeback, reserve, offset, sanctions, security, and legal-compliance controls. Savn may pause or block a merchant payout when reasonably necessary to protect customers, merchants, Savn, Stripe, or the marketplace, even when the agency selected a shorter holding period or automatic schedule.
• The agency and its personnel may not represent that they work for Savn, bind Savn, change Savn pricing or fees, issue Savn refunds, control Savn-to-agency earnings payouts, guarantee marketplace performance, or offer exclusive territory or merchant ownership.
• The agency is responsible for claims or disputes involving its personnel, including compensation, classification, supervision, workplace conduct, taxes, benefits, injuries, and termination, and must promptly notify Savn of any claim that names or could materially affect Savn.

The agency bears responsibility for fraud, scams, impersonation, unauthorized listings, false or misleading merchant information, unlawful offers, nonfulfillment, and other misconduct caused by or arising from merchants the agency creates, accepts, or manages, or by agency personnel acting through the workspace. The agency must promptly investigate and cooperate with Savn, preserve relevant records, reimburse valid losses, refunds, chargebacks, penalties, or costs attributable to that conduct, and remove or correct unauthorized content when instructed.

Agency management and immediate publishing authority do not limit Savn's right to audit, suspend, reject, unassign, or remove a merchant or agency; hold or offset payouts; notify affected users; cooperate with law enforcement or regulators; or take other action needed for consumer protection, security, legal compliance, or marketplace integrity. Nothing in this section waives duties or liabilities that cannot lawfully be waived.

For new public agency applications submitted on or after August 14, 2026, the standard Agency Workspace pricing begins at $400 per month plus a 2% Savn agency voucher fee on the subtotal of each voucher sold by an agency-owned merchant. The voucher fee is separate from the standard marketplace fee and the agency's internal salesperson-credit split. It is charged against the agency's share and does not reduce the salesperson credit recorded by Savn.

Savn Admin may approve a different monthly price or agency voucher-fee percentage for a particular agency. The exact approved monthly price and fee percentage will be stated in the agency's approval email and account notification. The rate configured for the agency controls new eligible transactions after activation. Any later material pricing change will be communicated before it applies to new transactions. Historical transactions retain the fee and commission information recorded when those transactions occurred.

After Savn approves an application, the primary Agency Administrator must complete Stripe Checkout to authorize the approved Agency Workspace price as an automatically renewing monthly subscription. Stripe securely stores the selected payment method and, unless the subscription is canceled or otherwise changed, Savn will use Stripe to charge that method at the start of each monthly billing period. The first successful subscription payment activates the workspace. The agency may review its billing method, invoices, and available cancellation options through Stripe's customer billing portal.

The payment method used for the monthly Agency Workspace charge is separate from the agency's Stripe Connect account used to receive consolidated payouts. Authorizing a payout account does not authorize a subscription charge, and authorizing the subscription does not replace payout onboarding. Savn does not receive the full card or bank-account credentials entered in Stripe Checkout.

If an automatic payment fails or requires additional authentication, the workspace may be marked past due and management features may be limited while Stripe retries collection or the agency updates its payment method. Cancellation stops future renewals according to the cancellation effective date shown by Stripe; charges already earned, voucher fees, offsets, refunds, disputes, and other amounts owed are not erased by cancellation. Taxes, if legally required and configured, may be added to an invoice and will be shown before or when charged.

Fees, marketplace-fee splits, holding periods, refunds, reversals, chargebacks, reserves, amounts owed, and payout offsets shown in the Agency Workspace form part of these Terms. If the Savn agency voucher fee and other agency adjustments exceed the agency's available share, the difference may become an amount owed and may be offset against future eligible agency earnings.

A pending application does not create an active subscription, collect a monthly payment, or create a right to manage merchants. Approval permits the primary Agency Administrator to authorize billing; it does not activate management tools until the first successful subscription payment. Savn may approve, decline, pause, suspend, or terminate an Agency Workspace for nonpayment, inaccurate information, unauthorized merchant activity, legal or platform risk, or violation of these Terms. Historical transaction and payout records may be retained as required for accounting, disputes, compliance, and enforcement.

Savn Admin may archive an Agency Workspace to hide it from active administration and block agency access while preserving merchants, transactions, payouts, billing, legal acceptances, and other historical records. Archiving does not by itself cancel an external Stripe subscription or erase amounts owed. A workspace may be permanently deleted only when Savn determines that it is unused and has no merchant, personnel, billing, payout, promotion, transaction, or manager-transfer history requiring preservation.

To the extent permitted by law, the agency will defend, indemnify, and hold harmless Savn and its owner, affiliates, service providers, and personnel from third-party claims, assessments, penalties, liabilities, and reasonable costs arising from the agency's personnel, worker classification, compensation practices, supervision, taxes, insurance, unauthorized representations, merchant contracts, merchant identity or authorization failures, published pricing or offer errors, fraud, scams, impersonation, data misuse, unlawful or misleading offers, nonfulfillment, or violation of this section.

Savn may revise these Terms from time to time. The updated version will be posted on this page with a revised effective date.

When required by law or when a change is material, we may provide additional notice through email, an account notification, or a prominent notice on Savn.

Your continued use of Savn after revised Terms become effective constitutes acceptance of the revised Terms.

These Terms, the Privacy Policy, the Refund & Voucher Policy, and any additional terms presented for a particular service constitute the entire agreement between you and Savn regarding the services.

If any provision is found unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will remain in effect.

Savn's failure to enforce a provision is not a waiver. You may not assign your rights or obligations without Savn's written consent. Savn may assign these Terms as part of a merger, acquisition, financing, reorganization, or sale of assets.

Provisions concerning fees, payments, refunds, chargebacks, payout adjustments, intellectual-property rights and licenses, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, and record retention survive account closure or termination to the extent necessary to give them effect.

Headings are for convenience only and do not limit these Terms. Electronic records and communications satisfy writing requirements where permitted by law.

Questions about these Terms may be directed to: