Legal & Policies

Terms of Service

1. Acceptance of Terms

By accessing or purchasing from civeradigital.com ("the Site"), you agree to be bound by these Terms of Service ("Terms"). The Site is owned and operated by Civera Business Services, a Florida-based business (doing business as "Civera Digital"), located in Cape Coral, FL 33909. If you do not agree with any part of these Terms, do not use this Site or purchase our products.

2. Products & Digital Downloads

Civera Digital sells digital products including, but not limited to: HTML tools, invoice generators, proposal templates, and custom digital documents. Upon successful payment, you will receive access to download your purchased files. All products are delivered electronically — there is no physical shipment.

• All sales are final upon download, except as covered under our 30-Day Money-Back Guarantee.
• Digital products are provided "as-is." We make no warranties that products will meet every specific requirement of every user.
• We reserve the right to update, modify, or discontinue any product at any time.

3. License & Permitted Use

When you purchase a product from Civera Digital, you receive a non-exclusive, non-transferable, personal and commercial use license. This license grants you the right to:

• Use the product for your own personal or commercial business purposes
• Customize the product for your own use
• Use the product to create invoices, proposals, or documents for an unlimited number of clients

This license does not grant you the right to:

• Resell, redistribute, sublicense, or share the product files with third parties
• Include the product in any product bundle or marketplace for resale
• Claim ownership or authorship of the original product design or code
• Remove copyright notices or branding embedded in the source files

4. Custom Orders

Custom order requests submitted through the Site's order form are subject to a separate agreement confirmed via email. Submitting a custom order request does not constitute a binding contract until both parties have agreed in writing to the scope, price, and timeline. A 50% deposit may be required before work begins on custom projects. All custom deliverables are subject to the same license terms as standard products unless otherwise agreed in writing.

5. 30-Day Money-Back Guarantee

We offer a 30-day money-back guarantee on all standard products. If you are not satisfied with your purchase for any reason, contact us within 30 days of the purchase date at [email protected] with your order details, and we will process a full refund. Refunds are not available after 30 days, or for custom-built products once work has commenced.

6. Payment & Pricing

All prices are listed in US Dollars (USD). Payments are processed securely through Stripe and/or PayPal. Civera Digital does not store your payment card information. Prices are subject to change at any time without notice. Florida sales tax may apply where required by law.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Civera Business Services / Civera Digital shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our products or this website.

Our total liability to you for any claim arising from or related to these Terms or our products shall not exceed the amount you paid for the specific product giving rise to the claim.

8. Disclaimer of Warranties

Our products are provided "as is" and "as available" without any warranty of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Lee County, Florida.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

Privacy Policy

1. Who We Are

This Privacy Policy applies to civeradigital.com, operated by Civera Business Services (DBA Civera Digital), Cape Coral, FL 33909. Contact: [email protected] · (239) 486-1376.

2. Information We Collect

We collect information only when you voluntarily provide it:

• Purchase information: When you buy a product, Stripe or PayPal processes your payment. We receive your name and email address to fulfill your order and provide support.
• Custom order requests: When you submit a custom order form, we collect your name, email, business name, project description, and budget preference.
• Email inquiries: If you contact us by email, we retain that correspondence.
• Notification sign-ups: If you sign up for product notifications, we store your email address for that purpose only.

We do not collect payment card numbers. All payment processing is handled by Stripe and PayPal. We do not use tracking pixels, behavioral advertising tools, or third-party analytics at this time.

3. How We Use Your Information

• To process and deliver your digital product purchase
• To respond to your custom order request or support inquiry
• To notify you when a product you requested becomes available
• To send order confirmation and download link emails
• To comply with legal obligations

We do not sell, rent, or share your personal information with third parties for marketing purposes.

4. Third-Party Services

We use the following third-party services, each governed by their own privacy policies:

• Stripe — payment processing (stripe.com/privacy)
• PayPal — payment processing (paypal.com/privacy)
• Formspree — custom order form submissions (formspree.io/legal/privacy-policy)
• Netlify — website hosting (netlify.com/privacy)
• Google Fonts — font loading (policies.google.com/privacy)

5. Data Retention

We retain your purchase information for as long as required to fulfill orders and comply with tax and accounting obligations (typically 7 years under IRS guidelines). Custom order inquiry data is retained for the duration of the project plus 2 years. Notification email addresses are retained until you unsubscribe.

6. Your Rights (CCPA & General)

You have the right to:

• Request access to the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data (subject to legal retention obligations)
• Opt out of any marketing communications at any time

To exercise any of these rights, contact us at [email protected].

7. Children's Privacy

Our Site and products are not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.

8. Security

Our Site is served over HTTPS (SSL/TLS encryption) via Netlify. We do not store payment information. We take reasonable technical and organizational measures to protect your data, but no method of transmission over the Internet is 100% secure.

Cookie Policy

1. What Are Cookies

Cookies are small text files stored in your browser when you visit a website. They are widely used to make websites work more efficiently and to provide information to the site owner.

2. Cookies We Use

civeradigital.com uses the following types of cookies:

Strictly Necessary Cookies

These cookies are essential for the website to function. They cannot be disabled.

• Session cookies: Temporary cookies that expire when you close your browser, used to maintain your session as you navigate the site.
• Netlify cookies: Set by our hosting provider for CDN and security functions.

Third-Party Cookies

When you proceed to payment, you will be directed to Stripe or PayPal, which may set their own cookies. We do not control these cookies. Please review Stripe's and PayPal's cookie policies for details.

Google Fonts (used for typography) may set a session cookie when loading fonts. We use Google Fonts via an external request — if you prefer, you can load the page with fonts blocked in your browser settings.

3. Cookies We Do NOT Use

• Advertising or retargeting cookies (Facebook Pixel, Google Ads, etc.)
• Analytics cookies (Google Analytics, etc.)
• Social media tracking cookies

4. Managing Cookies

You can control and/or delete cookies from your browser settings. Disabling strictly necessary cookies may affect the functionality of the Site. For more information on managing cookies, visit allaboutcookies.org.

5. Do Not Track

We respect Do Not Track (DNT) browser signals. We do not track users across third-party websites.

Copyright & Intellectual Property

1. Ownership

All content on civeradigital.com — including but not limited to website design, layout, graphics, text, HTML source code, CSS, JavaScript, product files, documentation, and all digital products for sale — is the exclusive intellectual property of Civera Business Services (DBA Civera Digital) and is protected by United States copyright law (17 U.S.C. § 101 et seq.) and applicable international copyright treaties.

Copyright © 2026 Civera Business Services. All rights reserved.

2. What You May Do

With a valid product license, you may:

• Use purchased products for your own personal and commercial business operations
• Customize purchased files for your own use
• Create derivative works (such as branded versions) for your own use

3. What You May Not Do

Without explicit written permission from Civera Business Services, you may not:

• Copy, reproduce, or redistribute any content from this website
• Resell, sublicense, or redistribute any purchased product files
• Use our brand name, logo, or visual identity without written permission
• Claim authorship of any of our products or website content
• Create competing products derived from our source code without permission
• Use our products in any way that implies endorsement by Civera Digital/Civera Business Services

4. Third-Party Licenses

Our products incorporate the following open-source libraries, used under their respective licenses:

• jsPDF (v2.5.1) — MIT License
• html2canvas (v1.4.1) — MIT License
• Google Fonts (Bricolage Grotesque, DM Sans, DM Mono) — SIL Open Font License

5. DMCA Notice

If you believe any content on this website infringes your copyright, please send a written notice to [email protected] with the subject line "DMCA Notice" including: a description of the copyrighted work, the URL of the allegedly infringing material, your contact information, and a statement of good faith belief that the use is not authorized. We will respond promptly to valid DMCA claims.