Terms of Use
Last Updated: October 15, 2025
Welcome to Granvia Group LLC (“Granvia,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website at https://granviagroupllc.com (the “Site”), our educational courses, membership services, templates, checklists, and any related content or tools (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.
Granvia provides financial literacy education and resources to help users build practical skills in budgeting, payment habits, and financial decision-making. We are not a lender, credit repair service, or financial advisor, and we do not provide legal advice or guarantees of financial outcomes. Your use of the Services is at your own risk.
1. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use the Services. By using the Services, you represent that you meet these requirements and that all information you provide is accurate, complete, and current. If you are using the Services on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.
2. Membership and Access
Membership Plans: The Services are available through paid membership plans:
- Monthly Excellence: $12 per month, billed every 30 days from enrollment.
- Annual Prestige: $99 per year, billed annually on the enrollment anniversary (equivalent to two months free compared to monthly billing).
Members gain access to our course library, templates, checklists, budgeting tools (e.g., Utilization Helper), and regular updates. Access begins immediately upon enrollment and continues until canceled. For month-over-month payment history benefits (if optional reporting is enabled in the future), recurring monthly payments are recommended; one-time payments do not create ongoing records.
Free Access: Limited content may be available without membership, but full access requires a paid plan.
Trial Periods: We may offer limited-time trials at our discretion. Any trial is subject to these Terms and may convert to a paid plan unless canceled.
3. Payments and Billing
Automatic Renewal & Authorization. By enrolling in a paid plan, you authorize Granvia (and our payment processor) to automatically charge your selected payment method the then-current price for your plan on a recurring basis (monthly or annually, as chosen) until you cancel. You understand this is a continuous, recurring subscription and charges will occur without further authorization, unless and until you cancel as described below.
Trials & Promotions. If we offer a trial or promotional price, your subscription will automatically convert to the standard price at the end of the promotional period unless you cancel before renewal. We will disclose the length of any trial and the price after the trial at sign-up.
Cancellations. You may cancel at any time from your account portal or by emailing [email protected]. Cancellations take effect at the end of your current billing period. We do not provide prorated or partial refunds except where required by law or our posted Refunds Policy.
Chargebacks & Payment Issues. We may suspend or terminate access for unpaid or reversed charges. You remain responsible for any amounts due and any processor fees associated with a chargeback.
4. Intellectual Property
The Services, including courses, templates, checklists, tools, and all content (text, graphics, logos, trademarks like Metro 2® and e-OSCAR®), are owned by Granvia or its licensors. Metro 2® and e-OSCAR® are trademarks of their respective owners; Granvia is not affiliated with or endorsed by any credit reporting agency.
You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal, educational purposes. You may not reproduce, distribute, modify, or commercially exploit any content without our written consent. All rights not expressly granted are reserved.
5. User Conduct and Prohibited Uses
You agree to use the Services only for lawful purposes and in compliance with these Terms. Prohibited activities include:
- Copying, distributing, or reselling content without permission.
- Using the Services for commercial purposes (e.g., teaching others our courses).
- Harassing, defaming, or interfering with other users.
- Attempting to hack, reverse-engineer, or disrupt the Services.
- Submitting false information or impersonating others.
- Violating intellectual property rights or applicable laws.
We may suspend or terminate access for violations without notice.
6. Disclaimers; Limitation of Liability
No Professional Advice. The Services are for educational purposes only and do not constitute financial, legal, investment, tax, or credit-repair advice. Results vary and are not guaranteed.
Provided “AS IS”. To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or quiet enjoyment.
Limitation. To the maximum extent permitted by law, Granvia Group LLC will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business interruption. Our total liability for any claim relating to the Services will not exceed the greater of (a) the amount you paid to Granvia for the Services in the twelve (12) months preceding the event giving rise to liability, or (b) one hundred U.S. dollars (US$100). Some jurisdictions do not allow certain limitations; in those jurisdictions, liability is limited to the fullest extent permitted.
7. Termination
We may terminate or suspend your access for any reason, including violations of these Terms, with or without notice. Upon termination, your right to use the Services ends; outstanding payments remain due.
8. Governing Law and Disputes
These Terms are governed by Ohio law, excluding conflict of laws principles. Any disputes shall be resolved exclusively in the state or federal courts in Hamilton County, Ohio. You waive any objections to venue or jurisdiction.
9. Changes to Terms
We may update these Terms periodically. Changes will be posted here with the updated date. Significant changes will be notified via email or Site notice. Continued use constitutes acceptance.
10. Miscellaneous
Entire Agreement: These Terms, along with our Privacy Policy and Refunds Policy, constitute the full agreement.
Severability: If any provision is invalid, the remainder remains enforceable.
No Waiver: Our failure to enforce any right does not waive it.
Contact Us: Questions about these Terms? Reach us at:
Granvia Group LLC8200 Beckett Park Dr, Suite 111
West Chester, OH 45069
Local: (513) 701-8645
Toll-Free: (800) 228-6401
Email: [email protected]
11. Electronic Communications; E-SIGN Consent
By using the Services, creating an account, or providing an email address or mobile number, you consent to receive communications from us electronically (including agreements, disclosures, receipts, notices, and updates). You agree that these electronic communications satisfy any legal requirements that such communications be in writing. You may withdraw consent by contacting us; however, doing so may limit your ability to use certain features.
12. SMS/Text Messaging
By providing a mobile number and opting in, you consent to receive SMS messages from Granvia Group LLC related to your account and Services. Message frequency varies. Message & data rates may apply. Reply STOP to opt out, HELP for help. See our SMS Terms & Conditions. Consent is not a condition of purchase.
13. User Content; Feedback
If you submit comments, reviews, questions, or other content (“User Content”), you grant Granvia a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, modify, publish, display, and distribute such User Content in connection with the Services and our business. You represent that you own or control all rights in your User Content and that it does not violate any rights of others or any law. We may remove or refuse to display User Content at our discretion.
14. Third-Party Services
The Services may integrate with or link to third-party services (e.g., payment processors such as Stripe, security tools such as Google reCAPTCHA, or hosting/learning platforms). Your use of those services is subject to their terms and privacy policies. We are not responsible for third-party services or content and disclaim all liability arising from them.
15. Indemnification
You agree to defend, indemnify, and hold harmless Granvia Group LLC and our officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Services, (b) your User Content, (c) your violation of these Terms, or (d) your violation of any law or the rights of a third party.
16. Dispute Resolution; Arbitration; Class-Action Waiver
Informal Resolution. Before filing a claim, you agree to try to resolve the dispute informally by contacting [email protected]. If we cannot resolve it within 30 days, either party may start arbitration.
Binding Arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration will be Hamilton County, Ohio, and the language will be English.
Class-Action & Jury Trial Waiver. You and Granvia agree that each may bring claims only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. You waive the right to a jury trial.
Small-Claims Option. Either party may bring an individual action in small-claims court in Hamilton County, Ohio, instead of arbitration.
17. Copyright Complaints (DMCA)
If you believe content infringes your copyright, please send a notice to our designated agent at [email protected] with: (i) your contact info, (ii) identification of the work and the allegedly infringing material, (iii) a statement of good-faith belief, (iv) a statement under penalty of perjury that your notice is accurate and you are authorized to act, and (v) your physical or electronic signature.
18. Force Majeure
We are not liable for delays or failures caused by events beyond our reasonable control, including acts of God, labor disputes, internet or utility failures, equipment failures, pandemics, or governmental actions.
19. Export & Sanctions Compliance
You agree to comply with U.S. export, re-export, and sanctions laws and will not use the Services in any prohibited jurisdiction or for any prohibited purpose.
20. Geographic Scope
The Services are directed to users in the United States. We do not represent that the Services are appropriate or available in other locations.
21. Survival
Sections relating to payments, intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and any licenses granted by you will survive termination.
These Terms do not create any contractual or legal rights beyond those expressly stated. Consult legal counsel for specific advice. Granvia reserves all rights not granted herein.