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Navio Terms of Use

Last updated: April 25, 2026

Navio Legal Inc., a corporation with a registered office located at 1705-255 Village Green Square, Toronto, Ontario, M1S 0L7 (“Navio”) offers a subscription service that allows users to access our Application, Services, and Navio Content (all defined below) via the internet and personal computer.

These Terms of Use (“Terms”) govern your use of our Application, Services, and Navio Content. If you have any questions, complaints, or need more information about these Terms, our Application, our Services, or Navio Content, please contact us at support@naviolegal.com.

Summary

This summary is provided for convenience only. Please read each section in full below to fully understand your rights and obligations.

  • Applicability: You agree to these Terms by using the Application, Services, or Navio Content. Navio may change these Terms from time to time.
  • Accounts and Obligations: Users must create an account before using the Application, Services, or Navio Content. Users must provide Navio with accurate information and protect the security of their account. Navio can refuse an account to anyone without explanation.
  • Usage, Maintenance and Support: Navio may occasionally make changes to the Application, Services, and Navio Content, and may cause occasional interruptions. Navio is not liable for changes or pauses of service.
  • Plans: Navio offers free, monthly, and yearly plans. There are no refunds for cancelling.
  • Liability: Navio is not liable for any damages except in cases of intentional misconduct or gross negligence by Navio. Users are responsible for reviewing and verifying any output (including bookmarks and links) before relying on it.
  • Local Processing: Navio processes documents in your browser. We do not store your uploaded documents, generated output, or processing rules on our servers - they remain on your device.
  • Term and Termination: These Terms remain in effect until the User’s account is terminated.
  • Intellectual Property: All intellectual property rights related to the Application, Services, and Navio Content remain with Navio.
  • Force Majeure: Neither party is responsible for failing to perform its obligations if the failure is due to an uncontrollable event.
  • Confidentiality / Data Protection: Users must not share Navio’s confidential information without Navio’s written consent, except as allowed by law or court order.

1. Definitions

  • (a) Account: A registered user profile on the Application.
  • (b) Application: Navio’s website (naviolegal.com) and web app (app.naviolegal.com), together with any related subdomains, APIs, or applications operated by Navio, through which the Services are provided to Users.
  • (c) Business Day: Any weekday (excluding Saturday and Sunday) when banks in Toronto, Canada are open.
  • (d) Business User: A user registered on behalf of a company or legal entity.
  • (e) Consumer: A natural person using the Application, Services, or Navio Content for personal, non-commercial purposes.
  • (f) Content: Navio Content and User Content, collectively.
  • (g) Day: A calendar day.
  • (h) End User Licence: The licence governing Users’ use of the Application, Services, and Navio Content. For clarity, the End User Licence does not grant Navio rights over User Content beyond those necessary to provide the Services, as set out in the Privacy Policy.
  • (i) Force Majeure: Events beyond Navio’s control, like natural disasters, riots, epidemics, government actions, and other business disruptions that prevent Navio from fulfilling its obligations.
  • (j) Intellectual Property Rights: Rights in creative works and inventions, like copyrights, patents, and trademarks, whether registered or not, and all other industrial, commercial, or intellectual property rights existing in any jurisdiction, including any applications for such rights.
  • (k) Navio Content: Content and materials made available by Navio through the Application or Services, including Application or Service features, user interface elements, documentation, help articles, and any other content Navio provides to Users. Navio Content does not include User Content.
  • (l) Parties: Refers to Navio and the User together.
  • (m) Party: Refers to either Navio or the User individually.
  • (n) Personal Information: Information about an identifiable individual, as defined under applicable privacy laws (including PIPEDA and, where applicable, Quebec’s Law 25 and the GDPR). Navio’s collection, use, and disclosure of Personal Information is governed by the Privacy Policy.
  • (o) Plan: Subscription plans offered by Navio for using the Application, Services, and Navio Content.
  • (p) Privacy Policy: Navio’s privacy policy, available at naviolegal.com/privacy, as updated from time to time.
  • (q) Services: Functionality provided through the Application, including access to the Content, support services related to the Application and Content, and any other functionality or support Navio offers or may offer otherwise.
  • (r) Terms: These terms of use.
  • (s) User(s): Anyone who uses the Application, Services, or Content.
  • (t) User Content: Any information, documents, or materials that Users upload, input, create, generate, or amend through the Application. Users retain all ownership and intellectual property rights in their User Content. Navio’s handling of User Content is governed by the Privacy Policy.

2. Applicability

2.1. Acceptance of Terms: By accessing or using the Application, Services, Navio Content, or by activating an Account, the User agrees to these Terms and the Privacy Policy, which together set out all applicable rights and obligations.

2.2. Scope of Terms: These Terms govern the use of the Application, Services, and Navio Content as well as any offers, proposals, and agreements between the User and Navio.

2.3. Additional Conditions: Some Services may have additional terms, which Navio will provide in advance. If there is a conflict, the additional terms will take precedence.

2.4. Deviations: Any deviation from these Terms or additional conditions is valid only if expressly agreed in writing by Navio, with specific reference to the clause being varied. In that case, the agreed deviation prevails over the original provision, but only to the extent and for the purpose expressly stated.

2.5. Changes to Terms: We may update these Terms from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. The most current version will always be available at naviolegal.com/terms, and the “Last updated” date at the top of this page reflects the latest revision. If we make material changes, we will provide more prominent notice, which may include posting a notice on our website or notifying account holders by email. Your continued use of the Application, Services, or Navio Content after the effective date of the updated Terms will constitute acceptance of the changes.

2.6. Exclusivity: These Terms, together with the Privacy Policy and any additional conditions expressly incorporated by Navio, constitute the entire agreement between the Parties regarding the Application, Services, and Navio Content. Any terms or conditions proposed by a User - including those contained in purchase orders, procurement policies, or other User documentation - are expressly rejected and have no effect unless explicitly accepted in writing by Navio with specific reference to this clause.

3. Accounts and Obligations

3.1. Account Creation: Users must first complete the signup process and create an account to use the Application, Services, or Navio Content.

3.2. Account Approval: Navio has the right to refuse account creation or access to its Application, Services, and Navio Content without explanation.

3.3. User Responsibilities: Users are responsible for their use of the Application, Services, and Navio Content and must:

  • (a) Follow the Terms and any additional conditions;
  • (b) Adhere to all of Navio’s instructions related to the Application, Services, and Navio Content;
  • (c) Comply with all applicable laws and regulations; and,
  • (d) Avoid using the Application, Services, and Navio Content in ways that could harm Navio, third parties, or violate Navio’s or any third party’s rights.

3.4. Account Information: Users must ensure all information provided to Navio, including payment details, is accurate and updated as necessary.

3.5. Technical Requirements: Users are responsible for ensuring that their systems meet the necessary technical requirements to access their account and use the Application, Services, or Navio Content.

3.6. Usage Responsibility: Users are responsible for all activities conducted through their account or on their devices.

3.7. Account Security: Users must keep their account details, including passwords, secure and confidential. If unauthorized access occurs, they should promptly inform Navio, change their password, and assist Navio in addressing the issue.

3.8. User Type: By default, all Users are treated as Consumers. A User may request to register as a Business User by contacting Navio at support@naviolegal.com. Navio has sole discretion to approve or reject any such request, and may require the User to remain a Consumer for any reason or no reason. A User becomes a Business User only upon Navio’s written confirmation. By using a Business User account, the Business User represents that they are using the Application, Services, and Navio Content on behalf of a company or legal entity in the course of its business, and acknowledges that certain Consumer protections may not apply to their use.

4. Usage, Maintenance and Support

4.1. Maintenance: Navio may occasionally shut down all or part of the Application, Services, and Navio Content for maintenance. Navio will try to minimize the downtime.

4.2. Changes to Service: Navio can change, pause, or stop access to the Application, Services, or Navio Content at any time without prior notice.

4.3. Service Adjustments: Navio may change, restrict, start charging for, or stop any part of the Application, Services, or Navio Content whenever they choose. Users will not be charged without their agreement.

4.4. Changes to the Application: Navio may update, modify, add, or remove features of the Application, Services, and Navio Content at any time to improve functionality, security, or compliance. Updates are applied automatically and do not require action by Users.

4.5. Discretionary Matters: Navio may choose to, but is not required to:

  • (a) develop, add, or customise specific features of the Application, Services, or Navio Content for individual Users;
  • (b) maintain backward compatibility between past and current functionality. Navio provides support only for the current version of the Application, Services, and Navio Content as made available to all Users. Where Navio offers downloadable components, browser extensions, or integrations, support is limited to the most recent version published by Navio.

4.6. Minimum Requirements: Use of the Application, Services, and Navio Content requires that the User meets certain minimum technical requirements, including supported web browsers, operating systems, and internet connectivity. The current minimum requirements are published on our website and may be updated by Navio from time to time. Navio will provide reasonable advance notice through the Application of any changes that would prevent a User’s existing environment from accessing the Services.

4.7. No Liability for Changes: The User acknowledges that Navio is not liable for any changes, pauses, or discontinuations of the Application, Services, or Navio Content as outlined in previous clauses.

4.8. Updates and New Features: Any updates, new features, modules, or add-ons made available through the Application, Services, or Navio Content are governed by these Terms. Where Navio makes a particular feature or component available under separate licence terms or additional conditions (for example, third-party integrations, beta features, or premium modules), those terms apply as additional conditions and, in the event of conflict, prevail over these Terms solely with respect to that feature or component.

4.9. Disclaimer of Warranties: Except as expressly set out in these Terms and subject to applicable consumer protection laws, the Application, Services, and Navio Content are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Navio does not warrant or guarantee:

  • (a) that the Application will be uninterrupted, error-free, secure, or free from harmful components;
  • (b) continuous or uninterrupted availability of the Application, Services, or Navio Content;
  • (c) suitability for any particular purpose, or compatibility with any specific system, device, or third-party service;
  • (d) that all features described in documentation, marketing materials, or other communications will be available at all times;
  • (e) non-infringement of third-party rights in respect of User Content or third-party materials accessed through the Application;
  • (f) that Navio Content reflects the most current legal, legislative, or regulatory position in every jurisdiction at all times. Users are responsible for verifying the current applicable law before relying on Navio Content.

No Legal Advice: Navio is not a law firm and does not provide legal advice, legal services, or legal representation. The Application, Services, and Navio Content are provided for general informational and productivity purposes only and are not a substitute for advice from a qualified lawyer licensed in the relevant jurisdiction. Use of the Application does not create a lawyer-client, attorney-client, or fiduciary relationship between the User and Navio.

Consumers: Nothing in this clause limits or excludes any rights or remedies that a Consumer has under applicable consumer protection laws that cannot be waived or modified by contract.

4.10. Backups: Navio does not store User Content on its servers and is not responsible for backing up or recovering any User Content or data, unless the law specifically requires it.

4.11. Subcontractors: Navio can assign parts of its services to its affiliates and other third-party companies.

4.12. Local Processing of User Content: The Application processes User Content entirely within the User’s browser. Navio does not transmit, store, retain, or back up User Content on its servers, including uploaded documents, generated output, or User-created rules, preferences, or settings governing how documents are processed. All such User Content remains on the User’s device, and the User retains sole possession of and responsibility for storing, backing up, and securing it.

5. The Plans

5.1. Subscription Plans: Navio offers various subscription plans for using its Application, Services, and Navio Content, including free, monthly, and yearly plans. Plan details and availability may change over time. Please visit our pricing page for current plan details.

5.2. Billing: Subscription plans are billed either monthly or yearly in advance. Free plans do not incur any charges. A receipt will be emailed to the email address registered to the User’s account when the User has been billed. A User may cancel its subscription at any time without notice. Refunds will not be issued to Users who cancel their subscriptions. Despite cancelling, a User may still access the features associated with the cancelled subscription until the User’s subscription period has expired. Navio may cancel a User’s subscription with one month’s notice. In the event Navio cancels a User’s subscription, Navio will provide the User a prorated refund unless the User has violated these Terms or any additional conditions.

5.3. Renewal: Subscription plans, excluding free plans, will automatically renew each month or year, depending on the plan selected. A receipt will be emailed to the email address registered to the User’s account when the User has been billed. Users may prevent a renewal by cancelling their subscription prior to the renewal date.

5.4. Subscription Commencement: A paid subscription starts when a User accepts an offer for a paid plan by making payment. Free plans commence upon account creation. The User waives any legal rights to a cooling-off period.

5.5. Plan Changes: If applicable, Users can upgrade or downgrade their plan at any time. Upgrades take effect immediately. In the event of an upgrade, the User will be immediately charged the difference between the cost of the former plan and the new plan the User has subscribed to. Downgrades take effect at the end of the current subscription period. In the event of a downgrade, the User will be charged the price of the new plan at the beginning of the next billing period.

5.6. No Cooling-off Period: Users waive any legal rights to a cooling-off period for subscriptions (new or renewal).

5.7. Fees and Changes: Navio lists the fees for its various plans and services on its pricing page. Listed fees are exclusive of sales tax, VAT, GST, or other applicable taxes, which will be added at checkout and charged in addition to the listed price. Navio can change these fees anytime. For ongoing paid plans, fee changes take effect at the start of the next subscription period, except for changes to applicable taxes, which are effective immediately. Users are notified in advance about any fee changes.

5.8. Duty to Notify: The User must promptly inform Navio of any errors in the payment details provided.

6. Liability

6.1. Limitation of Liability: Navio is not liable for any damages, losses, or costs related to the use of its Application, Services, and Navio Content, except in cases of intentional misconduct or gross negligence by Navio.

6.2. Specific Exemptions: Navio is not liable for damages resulting from:

  • - Incorrect or illegal content used or disclosed by the User;
  • - User’s non-compliance with the Terms, additional conditions, or instructions from Navio;
  • - Inaccurate or unreliable information provided by the User;
  • - Actions or failures by the User;
  • - The quality, formatting, structure, or legibility of documents uploaded by the User, including scanned or image-based PDFs; and,
  • - User’s reliance on Generated Elements (including bookmarks, links, labels, or page references produced by the Services) without independent verification of their accuracy.

6.3. Scope and Limitation of Liability: Subject to Sections 6.1 and 6.2, and to the maximum extent permitted by applicable law:

(a) Direct Damages Only. Navio’s liability, if any, is limited to direct damages actually incurred by the User, which may include:

  • - Damage to the User’s equipment directly caused by Navio’s Services;
  • - Reasonable and documented costs incurred to mitigate such direct damages; and,
  • - Reasonable costs to determine the nature and extent of such direct damages.

(b) Exclusion of Indirect Damages. Navio shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, including but not limited to lost profits, lost revenue, lost business or opportunities, loss of goodwill or reputation, loss or corruption of data, unauthorized access to data, business interruption, or the cost of substitute services, even if Navio has been advised of the possibility of such damages.

(c) Aggregate Cap. Navio’s total cumulative liability to the User arising out of or related to these Terms, the Application, the Services, or the Navio Content, regardless of the form of action (contract, tort, negligence, strict liability, statute, or otherwise), shall not exceed the lesser of (i) the fees actually paid by the User to Navio in the three (3) months immediately preceding the event giving rise to the claim, or (ii) one hundred U.S. dollars ($100).

(d) Third Parties. Navio is not liable for any acts, omissions, content, products, or services of third parties, including third-party integrations, payment processors, hosting or infrastructure providers, or other Users.

(e) Automated Document Processing; User Verification. The Services analyze User-supplied PDF documents and automatically generate bookmarks, internal links, cross-references, and similar navigational elements (“Generated Elements”). The User acknowledges and agrees that:

  • (i) Generated Elements are produced by automated processes and may contain errors, including but not limited to incorrect page references, mislabeled sections or exhibits, missing or duplicated entries, broken or misdirected links, and inaccuracies arising from the quality, formatting, scanning, or structure of the source document.
  • (ii) Navio is a software tool, not a law firm or legal service provider, and does not review, validate, or certify the accuracy of Generated Elements or the underlying document. No attorney-client relationship is formed through use of the Application, Services, or Navio Content.
  • (iii) The User is solely responsible for reviewing and verifying all Generated Elements - including the accuracy of every bookmark, link, label, and page reference - before filing, serving, producing, executing, or otherwise relying on the document for any purpose. The User agrees to perform this review prior to any such use.
  • (iv) The User assumes all risk and liability arising from the use of or reliance on any Generated Elements, including any legal, procedural, financial, regulatory, or professional consequences.
  • (v) Navio disclaims all liability for errors, omissions, or inaccuracies in Generated Elements to the fullest extent permitted by law.
  • (vi) The User shall indemnify, defend, and hold harmless Navio from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of the User’s use of or reliance on Generated Elements without adequate verification.

(f) User Data and Backups. The User is solely responsible for maintaining independent backups of its data and original source documents and for verifying the accuracy of any output generated through the Services. Navio is not liable for any loss, corruption, or inaccessibility of data.

(g) Essential Basis of the Bargain. The User acknowledges that the fees charged reflect the allocation of risk set forth in these Terms, that the limitations in this Section 6 are an essential basis of the bargain, and that they apply even if any limited remedy is found to have failed of its essential purpose.

(h) Jurisdictional Limits. Some jurisdictions do not permit the exclusion or limitation of certain damages or liabilities; in those jurisdictions, Navio’s liability is limited to the minimum extent permitted by law.

6.4. Indemnification: The User shall indemnify, defend, and hold harmless Navio, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, demands, actions, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) the User’s breach of these Terms or any additional conditions; (b) the User’s use of the Application, Services, or Navio Content, including any Generated Elements; (c) any content, document, or data uploaded, submitted, or processed by the User through the Services; (d) the User’s violation of any law or the rights of any third party; or (e) any claim by a third party arising from the User’s reliance on Generated Elements without verification. Navio may, at its own expense, assume the exclusive defense and control of any matter subject to indemnification, in which case the User shall cooperate with Navio’s defense.

6.5. Claim Expiration: Any claim against Navio lapses one year after the User becomes aware or should have become aware of the basis for the claim.

6.6. Statutory Rights: Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for fraud, gross negligence, willful misconduct, death or personal injury caused by negligence, or any non-waivable consumer rights. To the extent any provision of this Section 6 is found unenforceable, it shall be modified to the minimum extent necessary to be enforceable, and the remaining provisions shall remain in full force and effect.

7. Term and Termination

7.1. Terms Binding: These Terms are binding when a User activates an account, or when a User starts using the Application, Services, or Navio Content.

7.2. Duration: These Terms remain in effect until the User’s account is terminated.

7.3. Termination Process: Users can terminate their accounts by emailing support@naviolegal.com.

7.4. Inactive Accounts: Navio can immediately terminate accounts that do not have an active paid subscription and that have been inactive for over two years by emailing the User.

7.5. Breach of Terms: Navio may terminate an account if the User breaches these Terms or any additional conditions, unless the User remedies the breach within five days of notice. A User will not be offered a refund if its account is terminated for breaching these Terms.

7.6. Data Retention: Upon account termination, Navio is not obligated to retain any User data.

7.7. Liability: Navio is not liable for terminating an account according to these Terms or for suspending access to the Application, Services, or Navio Content.

7.8. Survival of Clauses: The following clauses will survive termination: 1, 2.6, 3.6, 3.7, 4.7, 4.9, 4.10, 6, 7.6, 7.7, 7.8, 8, 10, 11.

8. Intellectual Property Rights and License

8.1. Ownership: All intellectual property rights related to the Application, Services, and Navio Content remain with Navio or its suppliers and licensors. Nothing in these Terms implies a transfer of these rights to the User.

8.2. Content Management: Navio may remove or disable access to any Navio Content, or any feature of the Application or Services, if required by law or if it infringes on a third party’s rights. Because User Content is processed locally on the User’s device and is not hosted by Navio, this clause does not apply to User Content.

8.3. License Grant: Users are given a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Application, Services, and Navio Content for their own business or personal use, as long as they comply with their specific plan terms. Users cannot give others access to their login and account details.

8.4. License Termination: The license will end immediately if the User breaches these Terms or any additional conditions, unless the breach is corrected promptly after Navio notifies the User. No refunds will be provided to the User in the event of a breach. The license also automatically terminates when the User or Navio closes the User’s account.

8.5. Restrictions: Users are prohibited from copying, modifying, reverse engineering, or otherwise tampering with the Application, Services, and Navio Content. They cannot resell, lease, sublicense, or redistribute the Application, Services, and Navio Content. Violations could lead to legal action and claims for damages.

9. Force Majeure and Obligations

9.1. Non-Responsibility for Force Majeure: Neither party is responsible for failing to perform its obligations if the failure is due to an uncontrollable event (Force Majeure).

9.2. Extended Force Majeure: If a Force Majeure event lasts more than 30 business days, Navio can terminate the affected account without owing any compensation to the User, unless prohibited by law.

9.3. Payment During Force Majeure: Even during a Force Majeure event, Navio can still require payment for services already provided under a paid plan before the event occurred.

10. Confidentiality / Data Protection

10.1. Confidentiality Obligation: Users must not share Navio’s confidential information without Navio’s written consent, except as allowed by law or court orders.

10.2. Exceptions to Confidentiality: Users may disclose Navio’s confidential information if:

  • - They develop the information independently;
  • - The information becomes public through no fault of the User;
  • - A third party who owns the information releases it without confidentiality restrictions;
  • - The User knew the information before using Navio’s services without confidentiality obligations; or
  • - The User receives the information legally and without confidentiality restrictions.

10.3. Data Protection Compliance: Any processing of personal data will comply with applicable data protection laws, such as the GDPR. Business Users should refer to their organization’s privacy policy for specifics on data processing. Our Privacy Policy can be found here.

10.4. Business Users and Data Processing: Where Navio processes Personal Information on behalf of a Business User (for example, account, billing, or usage information), the Business User’s organization is the data controller and Navio acts as the data processor within the meaning of the GDPR. For clarity, User Content is processed locally in the User’s browser and is not transmitted to or stored by Navio. These Terms incorporate a Data Processing Agreement that specifies the roles and responsibilities for data protection.

11. Miscellaneous

11.1. Non-Waiver: If Navio doesn’t enforce any part of these Terms or additional conditions, it doesn’t mean it waives any rights.

11.2. Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or other tribunal of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its original intent as closely as possible. If such modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall remain in full force and effect.

11.3. Assignment of Rights: Users cannot transfer their rights or obligations under these Terms without Navio’s written approval. However, Navio can transfer its rights and obligations without User consent. If Navio does so, consumers can terminate their plans; no refunds will be offered upon termination.

11.4. Headings and Interpretation: The headings in these Terms are for convenience and don’t influence their interpretation.

11.5. Grammar: Words in singular form also include the plural, and references to one gender include all genders.

11.6. Governing Law & Jurisdiction: These Terms are governed by the laws of the Province of Ontario, Canada, without regard to conflict of law principles that would require the application of the laws of another jurisdiction. Applicability of the United Nations Convention on the International Sale of Goods (CISG, 1980) is explicitly excluded. The parties irrevocably submit to the exclusive jurisdiction of the courts of the Province of Ontario.

Contact

If you have any questions about these Terms, please contact us at support@naviolegal.com.