Effective: November 15, 2025
These Terms of Use (“Terms”) govern your use of the MVP Motors Inc. (“MVP Motors”) payment service which you are using to make a payment to a dealership (“Payment Services”). By making the payment using the Payment Services, you agree to be bound by these Terms, including the arbitration clause and class action waiver included in Section 18, below.
MVP Motors's Payment Services enable holders of cryptocurrency to (i) make payments to dealerships that sell vehicles or services (each a “dealership”) in any of the Supported Cryptocurrencies (defined below). The Payment Services are compatible with those dealerships that accept cryptocurrency payments and/or s from shoppers, as applicable, using MVP Motors's payment acceptance services.
By using the Payment Services, you are establishing a contractual relationship with MVP Motors. MVP Motors is subject to U.S. laws and regulations. This includes the Bank Secrecy Act, the economic and trade sanctions programs administered by the Office of Foreign Assets Control (OFAC) of the United States Department of the Treasury, the USA PATRIOT Act, and other anti-money laundering (AML) and anti-terrorist financing (ATF) laws. MVP Motors is also a registered Money Service Business with the Financial Crime Enforcement Network of the U.S. Department of the Treasury (FinCEN) and is a licensed money transmitter in the U.S. states where applicable law requires it to be licensed. As required by applicable laws and regulations, MVP Motors maintains a comprehensive AML/ATF/Sanctions compliance program.
When you choose to make a payment using the Payment Services, you will be presented with an invoice that allows you to select a cryptocurrency wallet to use for the payment, the Supported Cryptocurrency to use, and then a machine-readable code with payment amount and wallet address information (the payment amount and address information may also be manually copied). Using your cryptocurrency wallet on your device, you may scan the machine-readable code presented in a MVP Motors invoice or manually copy and enter the payment information displayed in the invoice into your cryptocurrency wallet to remit payment in a Supported Cryptocurrency to complete the invoice payment. For each invoice presented, MVP Motors locks the applicable cryptocurrency exchange rate for a limited period of time (“Payment Window”) to enable you to complete your payment.
Payments must be completed within the Payment Window, or the invoice will expire. Payments made to expired invoices cannot fulfill an invoice or the related purchase and are deemed Orphan Payments (defined below). Do not send a payment to an expired invoice. If an invoice expires, you must generate a new invoice by restarting the checkout process. The new invoice will provide a new Payment Window and an updated payment amount based on any changes to the applicable cryptocurrency exchange rate.
In paying an invoice, you understand and agree that you will be required to provide MVP Motors with your email address, identifying information and SMS compatible phone number for legal and compliance purposes. Your email address and/or SMS compatible phone number will be used for certain payment and/or refund communications, and therefore must be your valid email address and/or SMS compatible phone number. MVP Motors collects this information subject to its Privacy Policy.
Please note: CRYPTOCURRENCY PAYMENTS CAN ONLY BE REFUNDED IN LIMITED CIRCUMSTANCES, AS EXPLAINED BELOW, BUT CANNOT BE REVERSED.
MVP Motors accepts USDC on Ethereum and Base blockchains on its payment platform (“Supported Cryptocurrencies”). MVP Motors may, in its sole discretion, add or remove support for particular cryptocurrencies from time-to-time.
Payments made using any token, coin or cryptocurrency other than the ones that MVP Motors has listed as a Supported Cryptocurrency are “Unsupported Payments”. Unsupported Payments cannot be applied to a MVP Motors invoice. Any Unsupported Payments sent to a MVP Motors wallet may not be received, and MVP Motors may be unable to access or recover such Unsupported Payments.
USE ONLY SUPPORTED CURRENCIES TO PAY INVOICES. YOU, AND NOT MVP MOTORS, THE DEALERSHIP, ARE SOLELY RESPONSIBLE FOR ANY UNSUPPORTED PAYMENT. UNSUPPORTED PAYMENTS MAY BE LOST AND UNABLE TO BE RECOVERED OR REFUNDED. MVP MOTORS DISCLAIMS ALL RESPONSIBILITY AND LIABILITY FOR ANY UNSUPPORTED PAYMENT.
You will incur certain fees in connection with making cryptocurrency payments using the Payment Services. You will incur miner fees and network costs, as set forth in this Section. To the extent refunds are permitted, you will incur Refund Fees on refunds, as set forth in Sections 6 and 8. In addition, you may incur MVP Motors's transaction processing fees if a dealership chooses to pass that fee through to its users as set forth in this Section.
Refunds of Successful Payments will only be available in connection with a purchase of vehicles or services from a dealership and are subject to the dealership's refund policy (Payment Exception Refunds are addressed below). To seek a refund of a Successful Payment from a dealership, you must request the refund from the dealership to which you directed the payment. MVP Motors will have no obligation to process refunds/recissions of any completed transaction. You must contact the relevant dealership directly to the extent you wish to rescind your purchase.
“Successful Payment” shall mean the following with respect to an Invoice paid via an “on-chain” transfer (i) you have initiated the transfer of the full Invoice amount, (ii) the corresponding transaction has reached our required number of block confirmations, and (iii) the payment has been credited to the relevant dealership. Refund policies often provide that refund amounts will be determined based upon the fiat currency value in which the dealership originally priced the goods or services that you purchased in the applicable transaction. As a result, and because the cryptocurrency to fiat currency exchange rate may have changed between the time that you made the purchase and when the refund is actually sent to your cryptocurrency wallet, the amount of cryptocurrency refunded may differ from the amount of cryptocurrency that you originally used to pay the relevant invoice.
MVP Motors issues dealership refunds in the same cryptocurrency that was used to pay the invoice being refunded. A Refund Fee will be incurred in sending you a refund of a Successful Payment. Dealerships may choose whether they will bear the Refund Fee, or whether the Refund Fee will be deducted from the amount of the refund sent to you. Please note, in accordance with the dealership's refund policy, some sales may be final and not subject to refunds, not all dealerships provide cryptocurrency refunds, and some dealerships may provide refunds only in store credit.
MVP MOTORS IS NOT RESPONSIBLE FOR ANY DEALERSHIP'S REFUND/RECISION POLICY.
Once you have requested a refund of a Successful Payment from a dealership and the dealership has approved your refund request, you will receive an email or SMS message to the same email address or SMS capable phone number associated with the payment being refunded. This message will include a link that will enable you to collect the refund. For refunds of purchases determined using the currency in which the purchased goods and/or services were originally priced (generally fiat currency), this link will not expire. For refunds based on the amount of cryptocurrency used to pay the invoice (payment currency), the link will expire three days after it is sent. If the link expires, you will need to request that the applicable dealership send you a new link to claim the refund. Upon clicking the link, you will need to provide a cryptocurrency wallet address to which you want the refund sent. While not guaranteed, you will generally receive your refund within two business days of providing a valid cryptocurrency wallet address.
The term “Payment Exceptions”, as used in these Terms, refers collectively to Underpayments, Overpayments and Orphan Payments, which are each defined below.
Underpayments occur when you send insufficient funds to pay an invoice. Subject to the following paragraph, underpayments cannot fulfill an invoice (in whole or part), and MVP Motors will notify you of the Underpayment via email and/or SMS message. You can claim a refund of the Underpayment from the invoice or the Underpayment notification message. If an Underpayment occurs, you will need to generate a new invoice by restarting the checkout process. The new invoice will provide a new Payment Window and an updated payment amount based on any changes to the applicable cryptocurrency exchange rate.
In some cases, the dealership to which you are making a payment as applicable, will have instructed MVP Motors to process Underpayments for the amount sent. In such instances, your invoice will be adjusted and fulfilled for the Underpayment amount received by MVP Motors. You will not be notified of the Underpayment via email or SMS message, and you will not be able to claim a refund of the Underpayment from the related invoice or from MVP Motors in these cases. It will be at the discretion of the dealership whether to issue a new invoice for the remainder of the original invoice. Any refunds of an Underpayment that is a Successful Payment will be subject to terms of Section 6 above with respect to such Underpayment Amount only. You agree that MVP Motors will have no responsibility or obligation to reconcile or to seek to obtain such remaining amount from you or provide a refund of Underpayments processed as described in this paragraph. You further agree that MVP Motors will have no liability as a result of a partially fulfilled invoice to the extent an Underpayment is processed as set forth herein.
Overpayments occur when an amount of cryptocurrency beyond the amount indicated on the relevant invoice needed to fully pay an invoice is sent. With an overpayment, the funds required to pay the invoice will be remitted to the dealership, as applicable, and MVP Motors will notify you via email and/or SMS messaging of the Overpayment amount. You can claim a refund of the Overpayment amount (the amount in excess of the invoice amount) from the invoice or the notification message, subject to Section 8 below.
Late payments (i.e. payments made after the expiration of a Payment Window), and payments made to a MVP Motors wallet address that is not associated with an invoice with an active Payment Window are “Orphan Payments”. MVP Motors cannot automatically associate an Orphan Payment with an email address or SMS capable phone number, so we will not be able to notify you to claim a refund. Instead, you will need to contact MVP Motors to request a refund of an Orphan Payment. You will need to provide the MVP Motors support team with additional information so that they can help identify and refund your Orphan Payment, subject to Section 8 below. MVP Motors cannot apply an Orphan Payment to an invoice. If an Orphan Payment occurs, a new invoice and timely payment in a Supported Currency will be needed to fulfill that payment. If you do not provide MVP Motors customer support with the requested additional information, MVP Motors may not be able to refund the Orphan Payment to you.
Payment Exceptions (as described in Section 7 above) refunded within 30 days of the invoice creation date will be refunded for the exact amount of cryptocurrency received by MVP Motors, less the a refund fee if applicable.
Payment Exceptions refunded more than 30 days following the invoice creation date will be capped at the USD value based upon the cryptocurrency/USD exchange rate as of the 30th day from the invoice creation date. When you ultimately claim your Payment Exception refund, MVP Motors will refund the lesser of the cryptocurrency amount originally sent to MVP Motors or the amount of cryptocurrency that corresponds to the capped USD value based upon the exchange rate at the time the refund is sent. The Refund Fee will be deducted from the amount of your refund.
All refunds of Payment Exceptions will be refunded in the Supported Cryptocurrency that was used to pay the applicable invoice.
To claim a refund arising from an Underpayment or Overpayment, you must click the refund link in the applicable invoice or refund notification message. To claim a refund arising from any other Payment Exception, you must request such a refund from MVP Motors. Please note that additional information may be required from you for refunds other than underpayment and overpayment refunds, and such information will be subject to MVP Motors's Privacy Notice. As noted above, the Refund Fee will be deducted from the Payment Exception refund sent to you. Except as outlined herein, the process for claiming refunds of Payment Exceptions mirrors that of successful payments (see Section 6(b)).
In some instances, the amount of a Payment Exception may be less than the amount of the miner or network fees (defined below), and therefore MVP Motors cannot complete the refund. NON-REFUNDABLE PAYMENTS WILL NOT BE REFUNDED. MVP MOTORS BEARS NO LIABILITY FOR THE LOSS OF NON-REFUNDABLE PAYMENTS.
If Payment Exceptions are not refunded within a period of time determined by relevant unclaimed property laws, MVP Motors may be required to report and transfer these funds as unclaimed property to the applicable jurisdiction. As permitted by law, MVP Motors reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds.
MVP Motors recommends using a cryptocurrency wallet that has enabled scanning QR codes. Using such cryptocurrency wallets helps to prevent Underpayments and Overpayments, and errors in address handling.
MVP Motors is required by applicable laws and regulations to collect certain information about users for all transactions.
From time to time, MVP Motors is required to perform additional reviews of particular transactions. Such reviews may be required due to MVP Motors's anti-money laundering and sanctions compliance programs. Other times, MVP Motors's banking partners may require additional diligence. Such payment reviews are most common with large transactions. Whenever possible, MVP Motors will provide prompt notice to you if additional payment review is required. Additional information may be required from you in connection with such a review, and such information will be subject to MVP Motors's Privacy Policy. You agree to cooperate with our requests for such additional information. If you fail to provide the required information, you acknowledge that we will be unable to complete your transaction and that MVP Motors will not be liable for such transaction failing.
MVP Motors will never request your cryptocurrency wallet recovery keys, passphrases or security keys, and none of these are required to make a payment using the Payment Services. You are solely responsible for maintaining the security of your cryptocurrency wallet, including ensuring that the devices on which you maintain and/or access your cryptocurrency wallet are free from viruses, malware or other compromising code.
If you have a complaint, please contact MVP Motors Inc. at (800) 566-4650 or via email to support@mvpmotors.com. If you still have an unresolved complaint regarding MVP Motors Inc.'s money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at Online: https://flofr.gov/sitePages/FileAComplaint.htm.
To file your complaint, you will need to register electronically through Online Services. A valid email address is required.
Florida Office of Financial Regulation - Consumer Finance
200 E. Gaines Street, Tallahassee, FL 32399-0376
850-487-9687
FL Office of Financial Regulation Complaint Portal: https://flofr.gov/sitePages/FileAComplaint.htm
MVP Motors does not provide, and nothing in connection with the Payment Services shall be deemed to constitute, legal, accounting, investment, or other professional advice to you or any other party. MVP Motors makes no representations or warranties regarding the legal, regulatory, accounting, or other consequences arising from or relating to these Terms or the use of the Payment Services. You acknowledge and agree that you are solely responsible for determining and complying with any legal, regulatory, or other obligations that may arise from or relate to your use of the Payment Services. You assume full responsibility for such obligations and agree that you will not seek indemnification from, or otherwise impose liability upon, MVP Motors in connection therewith.
To the extent MVP Motors makes available any informational materials, forms, or reports in connection with the Payment Services, such materials are provided solely as a convenience and based only on information available to MVP Motors. Such materials may be incomplete or inaccurate and may not reflect your specific circumstances. MVP Motors makes no representations regarding, and shall have no responsibility for, the accuracy, completeness, or timeliness of any such materials.
MVP Motors is not providing any tax, accounting, or legal advice to you or any other party in connection with the Payment Services and makes no representation regarding legal or tax obligations or consequences related to or arising from these Terms, including regarding the availability of any income tax deduction or tax treatment for any payment. You assume sole liability and responsibility for federal, state, and/or local tax obligations or consequences that may arise from or that are related to these Terms and will not seek any indemnification from or otherwise seek to impose any liability on MVP Motors in regard thereto.
To the extent you use the Payment Services for the purpose of making a payment at your request, MVP Motors may in its sole discretion, and solely as a convenience to you make available certain tax forms in connection with such payment. Any such tax forms will include only certain information known and available to MVP Motors and will be incomplete. MVP Motors will have no responsibility whatsoever for ensuring the accuracy, completeness or currentness of any information in such forms. Completing and filing any tax forms, including obtaining any necessary appraisals, is your sole responsibility.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PAYMENT SERVICES ARE PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN NO EVENT SHALL MVP MOTORS OR ITS AFFILIATES BE LIABLE FOR ANY CLAIM, DAMAGES, OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE PAYMENT SERVICES, REGARDLESS OF WHETHER MVP MOTORS OR ITS AFFILIATES KNEW OR HAD REASON TO KNOW OF SUCH CLAIM, DAMAGES OR LIABILITY.
IN NO EVENT WILL MVP MOTORS OR ITS AFFILIATES BE LIABLE FOR ANY USE, INTERRUPTION, DELAY OR INABILITY TO USE THE PAYMENT SERVICES, OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST REVENUES OR PROFITS, LOSS OF GOODWILL, LOSS OR CORRUPTION OF DATA, WHETHER ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
MVP MOTORS AND ITS AFFILIATES ARE SUBJECT TO AN EXTENSIVE AND HIGHLY-EVOLVING REGULATORY LANDSCAPE. IN NO EVENT WILL MVP MOTORS OR ITS AFFILIATES BE LIABLE FOR ANY MONETARY FINES OR OTHER PENALTIES OR CONSEQUENCES (WHETHER FINANCIAL, EQUITABLE, OR OTHERWISE) THAT MAY BE IMPOSED BY ANY REGULATORY OR LAW ENFORCEMENT AUTHORITY (INCLUDING BUT NOT LIMITED TO THE DEPARTMENT OF JUSTICE, INTERNAL REVENUE SERVICE, SECURITIES AND EXCHANGE COMMISSION, AND COMMODITY FUTURES TRADING COMMISSION) OR IN CONNECTION WITH OR OTHERWISE RELATING TO OR ARISING FROM ANY REGULATORY OR LAW ENFORCEMENT INQUIRY AND/OR PROCEEDING RELATING TO YOUR USE OF ANY SERVICES OR INFORMATION PROVIDED BY MVP MOTORS OR ITS AFFILIATES.
TO THE EXTENT NOT OTHERWISE DISCLAIMED, IN NO EVENT SHALL MVP MOTORS'S CUMULATIVE LIABILITY TO YOU EXCEED THE LESSER OF (A) THE AMOUNT OF ITS PROFITS MADE FROM THE PAYMENT GIVING RISE TO OR ASSOCIATED WITH THE APPLICABLE CLAIM, OR (B) FIVE HUNDRED U.S. DOLLARS (US$500).
If your contractual relationship is with MVP Motors, Inc., these Terms, and their application and interpretation, shall be governed exclusively by the laws of the State of Florida, without regard to its conflict of law rules, and the United States. Further, the Federal Arbitration Act and federal arbitration law apply to these Terms.
Claims brought by a Consumer: To the extent that your claim meets the applicable jurisdictional requirements, you may choose to pursue your claim in small claims court in Florida so long as the claim remains a small claim and is addressed on an individual basis. Except for small claims, any dispute arising in connection with these Terms, use of the Payment Services or our contractual relationship, regardless of type or nature, whether brought by you or MVP Motors, shall be resolved exclusively by binding arbitration, on an individual basis, pursuant to the American Arbitration Association's rules of arbitration for consumer-related disputes. At your request, arbitration may be conducted in person, by telephone or video conference, and may be decided on written briefs, without oral hearings. If the arbitration is held in person, the proceedings will be conducted in your city or county of residence, or in a mutually agreeable location. The arbitrator may award any relief that a court of competent jurisdiction could award and the arbitral decision may be enforced in any court. An arbitrator's decision and judgment thereon will not have a precedential or collateral estoppel effect. To the extent permitted by law, the prevailing party in any action or proceeding to enforce these Terms, any arbitration pursuant to these Terms, or any small claims action shall be entitled to costs and attorneys' fees. If the arbitrator or arbitration administrator would impose filing fees or other administrative costs on you, we will reimburse you, upon request, to the extent such fees or costs would exceed those that you would otherwise have to pay if you were proceeding instead in a court. We will also pay additional fees or costs if required to do so by the arbitration administrator's rules or applicable law.
Claims brought by a Business: Any controversy or claim arising out of or relating to these Terms, or the breach thereof, regardless of the type of claim, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitration shall occur in Sarasota, Florida. The parties shall evenly divide the costs of the arbitrator and the proceeding, but shall otherwise each be responsible for their own attorney, expert and other costs and expenses.
All claims: Any arbitration shall be heard before a single arbitrator, and shall be conducted exclusively in the English language. Any disputes as to the interpretation, application or scope of this arbitration provision shall be determined solely by the arbitrator, and not by a court or judge.
CLASS ACTION WAIVER: TO THE EXTENT PERMISSIBLE BY LAW, ALL CLAIMS MUST BE BROUGHT IN A PARTY'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING (COLLECTIVELY “CLASS ACTION WAIVER”). YOU AGREE THAT THERE MAY BE NO CLASS ARBITRATION. BY AGREEING TO THESE TERMS YOU WAIVE ANY RIGHT TO PARTICIPATE IN ANY CLASS ACTION, HAVE A TRIAL BEFORE A STATE OR FEDERAL COURT (EXCEPT AS TO CONSUMERS BRINGING SMALL CLAIMS ACTIONS) OR TO HAVE ANY TRIAL BY JURY.
If the foregoing Class Action Waiver becomes unenforceable, then this arbitration provision shall be struck in its entirety, and any claims shall be subject solely to the jurisdiction and venue of the state and federal courts located in Sarasota County, Florida. The parties consent to such jurisdiction and venue, and waive any defense or objection thereto, including any claim of inconvenient forum.
MVP Motors reserves the right to update these Terms at any time by posting revised Terms to its website. In some instances, upon an update to these Terms, MVP Motors may notify you via email, push notification and/or website pop-up. By using the Payment Services, you accept the then effective Terms. If any provision of these Terms is deemed invalid or unenforceable under applicable law, then that provision shall be conformed to law so as to achieve the original intent to the extent possible. If the provision cannot be conformed, it shall be struck from these Terms to the extent necessary, and all other provisions shall remain in full force and effect. Any failure to enforce any provision of these Terms on any occasion shall not act as a waiver on that or any other occasion of that or any other provision. As to their subject matter, these Terms (including any other terms or notices incorporated herein by reference) comprise the entire agreement between you and MVP Motors.
If you have any questions, complaints, or need customer support, you may contact MVP Motors via post at MVP Motors, Inc. 1900 N Washington Blvd, Sarasota, Florida, 34234, United States or via email at support@mvpmotors.com