Terms of Service
Version 1.1 · Last updated June 2026
1. Introduction and Acceptance
These Terms of Service ("Terms") govern your use of the IVO work marketplace platform ("Platform"), operated by Internetivo Ltd ("Internetivo", "we", "us", "our"), an EU-registered company.
By registering an account, accessing the Platform, or using any of its features, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Platform.
These Terms constitute a legally binding agreement between you and Internetivo Ltd.
2. Definitions
| Term | Meaning |
|---|---|
| Platform | The IVO web application, mobile applications, API, and federated mesh network operated by or under licence from Internetivo Ltd |
| User | Any person or entity with a registered account |
| Client | A User who posts tasks or projects and hires Workers |
| Worker | A User who bids on or accepts tasks and projects |
| Task / Project | A unit of work posted on the Platform by a Client |
| Bid / Proposal | An offer submitted by a Worker in response to a Task |
| Escrow | The Platform's payment holding mechanism whereby funds are held by Internetivo pending task completion |
| Node | A federated instance of the IVO Platform operated by a licensed node operator |
| Credit | A prepaid, EUR-denominated balance, usable only to purchase services on the Platform; non-cashable and not electronic money or a deposit |
| Payouts | Amounts Internetivo owes a Worker for completed services (a supplier payable), settled by payment to a connected account; not a stored balance or wallet |
| Fee | The 10% platform commission charged on completed transactions |
| Dispute | A formal disagreement between a Client and Worker regarding a task outcome |
| Career Passport | A portable, verifiable record of a Worker's skills, ratings, and completed work |
3. Eligibility and Account Registration
3.1 Eligibility
You must be at least 18 years old to use the Platform. By registering, you represent and warrant that:
- You are at least 18 years of age
- You have the legal capacity to enter into this agreement
- You are not prohibited from using the Platform under any applicable law
- You will use the Platform only for lawful purposes
3.2 Registration
You must provide accurate, current, and complete information when registering. You are responsible for maintaining the accuracy of your account information and for keeping your password confidential.
3.3 Account Security
You are responsible for all activity that occurs under your account. Notify us immediately by opening a support ticket if you suspect unauthorised access. We are not liable for losses resulting from unauthorised access to your account caused by your failure to maintain account security.
3.4 Identity Verification
We may require identity verification (KYC) at any time, including before you can receive a Payout or transact above certain thresholds. We reserve the right to suspend or restrict accounts that fail or decline verification.
3.5 One Account Per Person
Each natural person or legal entity may hold one account. Creating multiple accounts to circumvent suspensions, fees, or ratings is prohibited.
4. Platform Description and Project Types
The IVO Platform is a federated marketplace facilitating the connection of Clients with Workers for the completion of work. The Platform offers five project formats:
- Quick Tasks - Small, clearly defined deliverables with a fixed price and short timeline. Ideal for one-off requests.
- Fixed-Price Projects - Scoped work items with defined milestones. Payment is released milestone by milestone upon Client approval.
- Recurring Contracts - Ongoing retainer-style arrangements with regular payment cycles. Either party may terminate with the notice period specified in the contract.
- Competitive Bids - Open tender projects where the Client reviews proposals and selects the best fit based on price, experience, and approach.
- Collaborative Projects - Multi-contributor tasks where a team of Workers is assembled. Revenue is distributed according to pre-agreed shares stored in the Platform.
Internetivo does not itself perform work, act as an employer, or guarantee the quality or fitness of any deliverable. The Platform is a marketplace only.
5. Task Lifecycle
5.1 Posting
Clients post tasks with a description, budget, timeline, and required skills. Posts must be honest, accurate, and lawful.
5.2 Bidding
Workers submit bids or proposals. By submitting a bid, a Worker represents that they have the skills, capacity, and legal right to perform the work.
5.3 Acceptance
When a Client accepts a bid, a contract is formed between the Client and the Worker. Internetivo is not a party to that contract but provides the escrow, messaging, and dispute infrastructure.
5.4 Escrow Funding
Upon bid acceptance, the Client is required to fund escrow for the agreed amount before work begins. Work is not expected to commence until escrow is funded. Internetivo holds funds as a neutral escrow agent.
5.5 Delivery and Review
The Worker submits the deliverable through the Platform. The Client has a defined review period (default: 7 days) to accept or request revisions. If no action is taken within the review period, funds are automatically released to the Worker.
5.6 Completion and Payment
Upon Client approval, the Platform records the amount, less the Platform Fee, as Payouts owed to the Worker. Payouts are settled to the Worker's connected bank account or payment method.
5.7 Revisions
The number of revisions must be agreed prior to contract formation. Clients may not use revision requests to delay payment indefinitely or to request out-of-scope work.
6. Payment Terms
6.1 Platform Fee
Internetivo charges a fee of 10% of the total transaction value on all completed transactions. This fee is deducted from the amount released to the Worker. No fee is charged if the task is cancelled before work begins.
6.2 Currency
All transactions on the Platform are denominated in Euros (EUR) unless the task is explicitly posted in another supported currency.
6.3 Escrow
Escrow funds are held by Internetivo Ltd on behalf of the Client and Worker. Escrow is not a bank deposit and is not covered by deposit protection schemes. Funds held in escrow earn no interest.
6.4 Payouts
Available Payouts are settled to a connected Stripe-verified bank account or other supported payment method. Minimum Payout amounts and processing times apply as displayed in the app. Payouts are subject to identity verification. Payouts are amounts Internetivo owes you for services you have supplied; they are not a stored balance you own or a withdrawable wallet.
6.5 Refunds
- If a task is cancelled before work begins: full refund of escrow to Client.
- If a task is cancelled after work begins: any refund is subject to the Dispute Resolution process.
- Platform Fees on completed transactions are non-refundable.
6.6 Taxes
You are solely responsible for determining and remitting all taxes applicable to your use of the Platform, including income tax, VAT, and self-employment tax. Internetivo may issue VAT invoices for its Platform Fee where required by law.
6.7 Off-Platform Payments
Transacting outside the Platform to avoid fees is a material breach of these Terms and may result in permanent account termination. If a Client or Worker is discovered to have arranged off-platform payment, both accounts may be suspended.
6.8 Credit and Payouts
Credit. You may hold a prepaid Credit balance, denominated in EUR, usable only to purchase services on the Platform. Credit is not electronic money, not a deposit, and not redeemable for cash. Unspent Credit is limited to a maximum of EUR 300 per account at any time; purchases above your available Credit are paid per invoice at checkout.
Payouts. Amounts you earn for completed work are recorded as Payouts owed to you by Internetivo for services you have supplied, shown as Available (cleared and payable), Pending (earned but in clearing or dispute), and an estimated projection. A Payout is settled by Internetivo paying you for your delivered services (you may be asked to invoice Internetivo, or Internetivo may issue a self-billed invoice). Payouts are not a stored balance you own and not a withdrawable wallet; they are amounts payable to a supplier. You may instead apply your earnings as Credit to purchase services on the Platform. All amounts are denominated in EUR.
7. User Conduct
You agree not to:
- Post false, misleading, or fraudulent tasks or bids
- Harass, threaten, or abuse other users
- Use the Platform to facilitate illegal activities
- Attempt to circumvent Platform security, fees, or moderation
- Scrape, crawl, or systematically download Platform content without permission
- Impersonate another person or entity
- Upload malware, viruses, or harmful code
- Post content that infringes third-party intellectual property
- Use automated tools to bid, post, or interact without prior written approval
Internetivo reserves the right to remove any content and suspend or terminate any account that violates these rules, with or without notice.
8. Intellectual Property
8.1 Platform IP
All software, design, trademarks, logos, and content comprising the IVO Platform are owned by or licensed to Internetivo Ltd. You receive a limited, non-exclusive, non-transferable licence to use the Platform for its intended purpose.
8.2 User Content
You retain ownership of content you post (task descriptions, messages, profile content). By posting, you grant Internetivo a worldwide, royalty-free, non-exclusive licence to host, display, and transmit that content for the purpose of operating the Platform.
8.3 Deliverables
Unless otherwise agreed in writing between Client and Worker, full ownership of deliverables passes to the Client upon final payment release. Workers warrant that deliverables do not infringe third-party rights. Workers may retain the right to display deliverables in their portfolio unless the Client requests otherwise.
8.4 Feedback
If you provide feedback, suggestions, or ideas about the Platform, you grant Internetivo the right to use such feedback freely without obligation or compensation.
9. Dispute Resolution
9.1 Direct Resolution
Parties are encouraged to resolve disagreements directly through the Platform messaging system. Internetivo may provide communication tools and templates but does not mediate in the first instance.
9.2 Formal Dispute
Either party may raise a formal Dispute through the Platform after a 48-hour cooling-off period following a disagreement. Raising a Dispute freezes the relevant escrow funds.
9.3 AI Arbitration
Upon a formal Dispute submission, the Platform's AI arbitration system reviews all available evidence: task description, bid, messages, deliverables, milestone records, and ratings history. The AI system produces a recommended outcome within 24-72 hours.
Both parties may accept the AI recommendation to resolve the Dispute immediately. If the AI recommendation is not accepted by either party, the case escalates.
9.4 Manual Escalation
Escalated Disputes are reviewed by a member of the Internetivo Trust & Safety team. Manual review typically completes within 5 business days. The reviewer's decision is final and binding on both parties.
Internetivo's decision may include:
- Full or partial release to the Worker
- Full or partial refund to the Client
- A split determination
- Suspension of either or both accounts pending investigation
9.5 Arbitration for Legal Claims
For claims exceeding €10,000, or where a party disputes Internetivo's own conduct, disputes shall be referred to binding arbitration under the Cyprus Arbitration Act and the rules of the Cyprus Chamber of Commerce and Industry. Each party bears their own costs unless the arbitrator orders otherwise.
9.6 Class Action Waiver
To the extent permitted by applicable law, you waive any right to bring or participate in a class action, representative action, or collective proceeding against Internetivo.
10. Limitation of Liability
10.1 No Employment Relationship
Workers are independent contractors. Nothing in these Terms creates an employment, agency, joint venture, or partnership relationship between Internetivo and any User.
10.2 Platform "As Is"
The Platform is provided "as is" and "as available". Internetivo makes no warranty that the Platform will be uninterrupted, error-free, or meet your specific requirements.
10.3 Limitation
To the maximum extent permitted by applicable law, Internetivo's total liability to you for any claim arising out of or in connection with these Terms or the Platform shall not exceed the greater of:
- The total Platform Fees paid by you in the 12 months preceding the claim, or
- €500
10.4 Exclusion of Consequential Loss
Internetivo is not liable for indirect, incidental, special, exemplary, or consequential damages, including loss of profits, loss of data, or loss of goodwill, arising from your use of the Platform.
10.5 Third-Party Services
Internetivo is not liable for the acts or omissions of third-party service providers (Stripe, Sumsub, Twilio, node operators, etc.).
11. Governing Law and Jurisdiction
These Terms are governed by the laws of the Republic of Cyprus and EU law where applicable. Subject to the arbitration clause in Section 9.5, you submit to the exclusive jurisdiction of the courts of Cyprus for any dispute not resolved by arbitration.
12. Termination and Suspension
12.1 By You
You may close your account at any time via account settings. Closing your account does not extinguish obligations arising from active tasks, outstanding payments, or pending disputes. You must resolve all active obligations before your account is fully deleted.
12.2 By Internetivo
We may suspend or terminate your account immediately and without prior notice if:
- You breach these Terms materially
- You engage in fraud, money laundering, or illegal activity
- You harass or threaten other users or staff
- We are required to do so by law or regulatory order
- Your account poses a security risk
12.3 Effect of Termination
On termination, your licence to use the Platform ceases. Available Payouts will be settled to your registered payment method within 30 days, less any amounts owed to Internetivo or subject to outstanding Disputes. Sections relating to IP, disputes, limitation of liability, and governing law survive termination.
13. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by email and in-app notification at least 30 days before the changes take effect. Continued use of the Platform after the effective date constitutes acceptance of the updated Terms.
14. General Provisions
14.1 Entire Agreement
These Terms, together with the Privacy Policy, the Acceptable Use Policy, and any other policies referenced in them, constitute the entire agreement between you and Internetivo regarding the Platform and supersede any prior agreements, representations, or understandings. No statement, representation, or warranty not expressly set out in these Terms is relied upon by either party.
14.2 Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or competent authority, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if it cannot be so modified, severed. The remaining provisions shall continue in full force and effect.
14.3 No Waiver
A failure or delay by Internetivo to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that or any other right or provision. Any waiver must be in writing and signed by Internetivo to be effective.
14.4 Force Majeure
Internetivo shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labour disputes, epidemics or pandemics, governmental action, power or telecommunications failures, denial-of-service or other malicious attacks, or the acts or omissions of third-party providers or networks.
14.5 Assignment
Internetivo may assign, transfer, or novate any of its rights or obligations under these Terms, in whole or in part, including to a successor in connection with a merger, acquisition, or sale of assets, without your consent. You may not assign or transfer any of your rights or obligations under these Terms without Internetivo's prior written consent.
14.6 Notices
Internetivo may give notice to you by email to the address on your account, by in-Platform notification, or by posting on the Platform. You may contact Internetivo by opening a legal ticket. Notices are deemed received when sent, in the case of email or in-Platform notice, or when posted.
14.7 No Third-Party Rights
Except where expressly stated (including the rights of the relevant application stores under the Mobile Application Terms), these Terms do not create any right or benefit enforceable by any person who is not a party to them.
14.8 Relationship of the Parties
Nothing in these Terms creates any partnership, joint venture, agency, fiduciary, or employment relationship between you and Internetivo.
14.9 Language
These Terms are drafted in English. Any translation is provided for convenience only, and the English version prevails in the event of any conflict.
Experimental Features, Assumption of Risk, and Waiver
The Platform and its features are provided on an "as is" and "as available" basis and may include experimental, beta, preview, or in-development features that may be incomplete, may change or be withdrawn at any time, may not work as intended, and may produce errors. You use the Platform and any such feature at your own risk, and you are responsible for keeping your own backups of important data and files. Full detail is in the Experimental Features and Beta Disclaimer.
To the maximum extent permitted by applicable law, Internetivo gives no warranty of any kind and has no liability for, and you release Internetivo from and waive any claim arising from, software bugs or defects, errors, downtime or unavailability, loss of or damage to data or files, failed or delayed transactions, or any other technical issue, including any direct, indirect, or consequential loss. You agree to report any bug, defect, or issue, and any feedback, by opening a support ticket; doing so does not entitle you to any payment, credit, refund, or compensation.
To the maximum extent permitted by applicable law, you are not entitled to and waive any claim for reimbursement, compensation, refund of fees, damages, returns, or other monetary relief from Internetivo arising from these matters. This does not apply to your Credit balance, any Payouts owed to you, or amounts held in escrow for your tasks, which are handled under the Terms of Service and the Refund and Cancellation Policy. Nothing in this section excludes any liability that cannot be excluded under applicable law (including for death or personal injury caused by negligence, fraud, or gross negligence) or your mandatory rights as a consumer or data subject.
15. Contact
Internetivo Ltd An EU-registered company Open a legal ticket Website: https://internetivo.com/legal
These Terms of Service were last updated in June 2026 and are governed by the laws of the Republic of Cyprus and EU law where applicable.