Effective date: July 5, 2025
By clicking “Begin Chatting,” “Start Filing,” or otherwise using any Navo product (the “Service”), you accept this Agreement and confirm that you are at least 18 years old and legally able to form contracts in the United States.
Navo provides an online platform that imports tax documents, uses AI models to pre-fill returns, and e-files them with the IRS and state agencies. Navo is not a law firm, CPA firm, or financial advisor; the Service supplies automated preparation help only.
Information and AI outputs are for informational purposes and do not constitute legal, financial, or tax advice. Always verify outputs and consult a qualified professional when necessary.
You are responsible for safeguarding your credentials and must notify us immediately of any unauthorized use. Navo may collect device metadata required for e-file compliance.
Navo grants you a limited, non-exclusive, non-transferable license to access the Service for personal tax-filing purposes. All software, models, and content remain the property of Navo or its licensors.
Prices are displayed in-app. Payments are processed through Stripe; you authorize Stripe to charge your selected payment method.
Unless you opt out (see §12), de-identified interaction data may be used to improve our internal models. Raw tax documents are never used to train public models.
Data obtained from linked payroll or financial accounts flows through third-party APIs. Navo is not liable for the accuracy of third-party data.
The Service is provided “as is” and “as available.” Navo disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law, Navo’s aggregate liability will not exceed the fees you paid to Navo in the 12 months preceding the event giving rise to the claim.
Email support@navo.ai with subject “OPT OUT – MODEL TRAINING” to exclude all of your content from future model training. Processing may take up to 30 days.
We may modify these Terms; material changes will be announced 30 days before taking effect. Continued use constitutes acceptance.
You may stop using the Service at any time. We may suspend or terminate access for policy violations or compliance risks.
This Agreement is governed by the laws of the State of Ohio. All disputes will be resolved by binding arbitration under AAA Consumer Rules; class actions are waived.