User-to-Node Transactional Agreement
Version 1.0 · Last updated June 2026
1. Introduction and Application
This User-to-Node Transactional Agreement ("Agreement") is a standardised, binding agreement that applies automatically and takes effect the moment a User initiates or enters into a transaction on a Node operated within the IVO federated network. It governs the exchange of value, data, or work between the contracting parties to that transaction.
This Agreement is provided and administered by Internetivo Ltd ("Internetivo"), an EU-registered company, which operates the IVO Platform. Internetivo is the operator of the facilitation infrastructure only. Internetivo is NOT a party to this Agreement or to any transaction governed by it.
This Agreement is governed by, and subordinate to, the IVO Terms of Service at https://internetivo.com/legal/terms-of-service. In the event of any conflict, the Terms of Service prevail.
2. Definitions
| Term | Meaning |
|---|---|
| Platform | The IVO web application, mobile applications, API, SDK, and federated mesh network operated by or under licence from Internetivo Ltd |
| Node | A federated instance of the IVO Platform operated by an independent Node Operator |
| Node Operator | The independent person or entity that operates a Node |
| User | Any person or entity with a registered account, acting as a Client (posting work) or a Worker (delivering work) |
| Counterparty | The Node Operator and/or the other User with whom a User transacts |
| Transaction | Any exchange of value, data, deliverables, or work between a User and a Counterparty on a Node |
| Escrow | The Platform's payment holding mechanism whereby funds are held by Internetivo pending Transaction completion |
| Platform Fee | The 10% commission charged by Internetivo on completed Transactions, as described in the Terms of Service |
3. The Contracting Parties
3.1 Parties to the Transaction
The contracting parties to a Transaction are the User and the Counterparty (the Node Operator and/or another User). They alone are responsible to one another for the exchange of value, data, work, or deliverables, and for performance of their respective obligations.
3.2 Internetivo Is a Facilitator Only
Internetivo provides facilitation infrastructure only - including escrow, in-Platform messaging, and dispute infrastructure - and is NOT a party to the Transaction or to this Agreement, is not an employer, agent, partner, broker, bank, or payment institution beyond holding escrow, and does not buy, sell, deliver, or perform any work itself.
3.3 No Guarantee
Internetivo does not guarantee the delivery, quality, legality, accuracy, fitness for purpose, or timeliness of any work or deliverable, nor the identity, solvency, conduct, or honesty of any Node or User. To the maximum extent permitted by applicable law, Internetivo is absolved of, and accepts no liability for, any failure by a Node or a User to deliver, perform, or pay. Any claim arising from a Transaction lies between the User and the Counterparty.
4. Standardised, Non-Negotiable Terms
These terms are standardised and non-negotiable. Users and Nodes do not, and cannot, negotiate their own separate or alternative terms for a Transaction governed by this Agreement. By transacting, each party accepts these terms in full.
4.1 Formation
This Agreement forms automatically between the User and the Counterparty at the moment the Transaction is initiated on the Node. No separate signature is required.
4.2 Escrow Funding, Release, and Fee
Where a Transaction involves payment, the Client funds Escrow for the agreed amount before work begins. Internetivo holds those funds as a neutral escrow agent. On approval, or on automatic release after the applicable review period, the funds are released to the Worker less the 10% Platform Fee, in accordance with the Terms of Service. Escrow funds are not bank deposits, are not covered by any deposit protection scheme, and earn no interest.
4.3 Deliverable Ownership
Unless the contracting parties agree otherwise in writing, full ownership of a deliverable passes to the Client upon final release of payment. The Worker warrants that deliverables do not infringe any third-party rights. Data and deliverables exchanged remain subject to the rights and licences set out in the Terms of Service.
4.4 Data Exchange
Each party may exchange only the personal data and information necessary to perform the Transaction, and must handle it in accordance with the Privacy Policy at https://internetivo.com/legal/privacy-policy and applicable data protection law. Parties must not use data obtained through a Transaction for any unrelated purpose.
4.5 Disputes
If a disagreement arises, the parties follow the dispute path described in the Terms of Service: direct resolution between the parties, then a formal dispute that freezes the relevant escrow, then assisted review, and where necessary escalation to the Internetivo Trust and Safety team, whose decision is final. The dispute process is administered by Internetivo as facilitator and does not make Internetivo a party to the Transaction. Full details are at https://internetivo.com/legal/terms-of-service.
4.6 Refunds and Cancellation
Refunds and cancellations are governed by the Refund and Cancellation Policy at https://internetivo.com/legal/refund-cancellation-policy and by the Terms of Service. Platform Fees on completed Transactions are non-refundable.
4.7 Prohibited Conduct
Each party must comply with the Acceptable Use Policy at https://internetivo.com/legal/acceptable-use-policy. Prohibited conduct includes fraud, misrepresentation, unlawful activity, harassment, infringement of third-party rights, and any attempt to transact off-Platform to avoid fees or escrow. Breach may result in suspension or termination and forfeiture of the protections of the dispute and escrow process.
4.8 Subordination to the Terms of Service
This Agreement is governed by and subordinate to the Terms of Service. All terms of the Terms of Service relating to eligibility, payment, conduct, intellectual property, disputes, and liability apply to every Transaction.
5. Limitation of Liability and Indemnity
5.1 Limitation of Liability for Internetivo
To the maximum extent permitted by applicable law, Internetivo's total aggregate liability to any User arising out of or in connection with this Agreement or any Transaction shall not exceed the greater of the total Platform Fees paid by that User in the 12 months preceding the claim, or EUR 500. Internetivo is not liable for any indirect, incidental, special, exemplary, or consequential damages, including loss of profit, loss of data, or loss of goodwill. The facilitation infrastructure is provided on an "as is" and "as available" basis without warranty of any kind.
5.2 Indemnity
The User shall indemnify, defend, and hold harmless Internetivo Ltd, its officers, directors, employees, and affiliates from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of the User's breach of this Agreement, the Terms of Service, the Acceptable Use Policy, or applicable law, or arising from the User's conduct, content, or Transactions.
5.3 Disputes Between Parties
Any dispute concerning the substance of a Transaction is between the contracting parties. Internetivo's involvement is limited to administering the dispute and escrow infrastructure as described in the Terms of Service.
6. Governing Law and Jurisdiction
This Agreement is governed by the laws of the Republic of Cyprus and EU law where applicable. Subject to the arbitration provisions of the Terms of Service, the parties submit to the exclusive jurisdiction of the courts of Cyprus. The dispute and arbitration provisions of the Terms of Service apply to any matter not resolved through the Platform dispute process.
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.
7. Contact
Internetivo Ltd Legal: a legal ticket Support: a support ticket Abuse / Notice-and-Action: an abuse ticket Website: https://internetivo.com/legal
This Agreement is governed by the laws of the Republic of Cyprus and EU law where applicable.