Effective Date: September 15, 2025
Company: Viapa Inc.
Website: https://viapaai.com/
Contact: privacy@viapaai.com

1. Acceptance of Terms

Welcome to Viapa.

These Terms of Use (“Terms”) govern your access to and use of Viapa’s mobile applications, websites, AI-powered services, Church Connect Pro, integrated wallet services, content resources, and related technology solutions (collectively, the “Services”).

Viapa is developed and operated by Viapa Inc.

By downloading, registering for, accessing, or using Viapa, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy.

If you do not agree with these Terms, you should discontinue use of the Services.

Additional terms may apply to specific services, including financial transactions, Espees credits, payment processing, and participating church services.

2. About Viapa

Viapa is an AI-powered personal assistance and community engagement platform designed to simplify how individuals interact with digital services.

Through a conversational interface, Viapa enables users to access supported services, retrieve information, perform tasks, and manage aspects of their everyday activities.

Viapa’s primary services include:

• AI-powered conversational assistance and task execution.
• Church Connect Pro church management and community services.
• Personal scheduling and productivity assistance.
• Church membership and attendance management.
• Community engagement and communication.
• Faith-based content and devotional resources.
• News and information retrieval.
• Supported payment and digital value integrations.

Viapa serves as a technology platform integrating proprietary functionality and selected third-party services.

Availability of individual features may depend on geographical location, account eligibility, church membership, organizational permissions, or applicable regulations.

3. Church Connect Pro — Ownership and Services

Church Connect Pro is a proprietary product developed and operated by Viapa Inc.

Church Connect Pro provides church management and community engagement tools designed to help participating churches, pastors, leaders, administrators, and members manage church-related activities.

3.1 Church Administration

Church Connect Pro provides authorized users with supported functionality including:

• Church membership management.
• Attendance recording, tracking, and reporting.
• Church leadership and departmental management.
• Member follow-ups and pastoral care coordination.
• Church communications and announcements.
• Church events, programs, and activities.
• Giving records and applicable donation services.
• Organizational reporting and analytics.

3.2 Member Services

Members of participating churches may access supported services including:

• Church membership profiles.
• Attendance history and participation.
• Church announcements and notifications.
• Department and group information.
• Church events and activities.
• Relevant giving and transaction records.
• Communication with authorized church representatives.

3.3 Church Ownership and Independence

Participating churches retain responsibility for their religious activities, leadership decisions, membership administration, and organizational operations.

Viapa Inc. provides the underlying technology infrastructure and does not automatically assume ownership or control of participating churches.

3.4 Authorized Access

Access to church information is controlled through appropriate account permissions and organizational roles.

Users must not access, disclose, modify, or use church-related information without proper authorization.

Participating churches are responsible for assigning appropriate permissions to their administrators, leaders, and representatives.

4. User Registration and Eligibility

Users may be required to create a Viapa account to access certain features.

By registering, you agree to:

• Provide accurate and current information.
• Maintain the confidentiality of your login credentials.
• Protect your password, PIN, and authentication codes.
• Use the Services only for lawful purposes.
• Complete any required identity or membership verification.
• Notify Viapa of suspected unauthorized account activity.

Users must possess the legal capacity to accept these Terms.

Certain features may be restricted based on age, jurisdiction, membership status, or applicable legal requirements.

Parents, guardians, and authorized organizations are responsible for providing any legally required consent for minors.

5. Espees Credits — LoveWorld Issuance and Membership-Based Services

Viapa integrates Espees, a digital value system issued and operated by LoveWorld.

LoveWorld is the issuer and operator of Espees.

Viapa Inc. does not independently issue Espees.

Viapa provides technology infrastructure and a conversational interface through which eligible users can access supported Espees services.

5.1 LoveWorld Membership Integration

Espees wallet services on Viapa are primarily intended for eligible LoveWorld members using the Viapa application.

These members may connect their Viapa profiles to participating LoveWorld churches registered on Church Connect Pro.

This relationship enables participating church members to access relevant church services and supported Espees functionality within the Viapa ecosystem.

5.2 Membership Verification and Church Connection

Eligible users may connect their Viapa profiles to participating churches through Church Connect Pro.

The process may include:

1. Creating a Viapa account.
2. Identifying a participating LoveWorld church.
3. Connecting the user’s profile to the church.
4. Completing the required email verification or authentication procedures.
5. Accessing eligible church and wallet services.

Church connection helps establish the relationship between a member and a participating organization.

Wallet activation and continued eligibility remain subject to applicable issuer requirements, account verification, and service availability.

5.3 Espees Wallet Functionality

Depending on eligibility and availability, supported Espees wallet functionality may include:

• Viewing Espees balances.
• Viewing transaction history.
• Purchasing Espees credits.
• Transferring Espees to eligible users.
• Supporting eligible church-related transactions.
• Requesting supported conversions and redemptions.
• Receiving eligible payouts through available payment channels.

Not all functions are available to every user or in every jurisdiction.

5.4 Nature of Espees

Espees is a LoveWorld-issued digital value system.

Viapa does not present Espees as:

• A government-issued currency.
• A bank deposit offered by Viapa.
• An investment or securities product.
• A product promising investment returns.

The applicable LoveWorld issuer terms determine Espees’ legal characteristics, permitted uses, redemption rights, restrictions, and associated obligations.

Espees balances are not represented by Viapa as FDIC-insured bank deposits.

5.5 Issuer and Platform Responsibilities

LoveWorld is identified as the Espees issuer and operator.

Viapa Inc. provides the application interface, supported technology integration, transaction initiation functionality, and related account and transaction records.

The parties responsible for payment settlement, custody, safeguarding funds, transfers, and redemption depend on the actual transaction arrangements, applicable agreements, and governing law.

Viapa’s role as a technology provider does not, by itself, establish that Viapa or any other participating entity is exempt from applicable financial-service requirements.

5.6 Additional Issuer Terms

Users may be required to accept additional Espees issuer terms before accessing supported wallet functionality.

Transactions remain subject to applicable issuer requirements, eligibility restrictions, security procedures, and legal obligations.

6. Payment Processing — Stripe and Bachs

Viapa integrates third-party payment infrastructure to support eligible transactions.

6.1 Stripe

Stripe provides payment processing for supported international Espees purchases and other eligible transactions.

Official website: https://stripe.com/

6.2 Bachs

Bachs provides payment infrastructure for supported Nigerian Naira transactions, including eligible Espees purchases and applicable Naira disbursements.

Official website: https://www.bachs.io/

6.3 Payment Authorization

When initiating a payment, users authorize the relevant providers to process the applicable payment instructions.

Transactions may be subject to:

• Payment verification and authentication.
• Identity and eligibility checks.
• Applicable transaction limits.
• Fraud prevention and security screening.
• Banking and payment network availability.
• Local financial regulations.

6.4 Payment Service Providers

Stripe, Bachs, and other participating providers operate under their respective service agreements and applicable regulations.

Their involvement in transaction processing does not necessarily make them the issuer of Espees or transfer all financial-service responsibilities to them.

6.5 Transaction Fees

Applicable fees, conversion rates, and other material charges will be disclosed before transaction confirmation where required.

Fees may differ according to the transaction type, payment method, destination country, and applicable processing arrangements.

7. Espees Transfers, Conversions and Payouts

Eligible users may access supported Espees transfers, conversions, and payouts through Viapa.

These services are integrated primarily for eligible LoveWorld members, including members connected to participating LoveWorld churches through Church Connect Pro.

7.1 Transfers

Eligible users may transfer Espees to other supported users or accounts, subject to issuer rules, account eligibility, available balances, applicable limits, and security checks.

7.2 Conversion and Redemption

Where supported, eligible users may request the conversion or redemption of Espees into available fiat currencies.

Conversions are subject to applicable issuer conditions, exchange rates, fees, payment arrangements, and legal restrictions.

7.3 Supported Payouts

Depending on eligibility and availability, supported payout methods may include:

• Nigerian Naira payouts to eligible bank accounts.
• United States dollar payouts through supported disbursement arrangements, including eligible Zelle-enabled accounts.
• Other payment channels made available through permitted integrations.

Availability depends on the user’s location, provider requirements, and applicable regulations.

7.4 Processing Times

Processing times may vary based on the transaction type, service availability, verification requirements, payment networks, and banking conditions.

Any estimated processing time provided by Viapa is informational and is not an unconditional guarantee.

7.5 Failed or Disputed Transactions

Transactions may be delayed, rejected, reversed, or subject to additional review when required for operational, security, or compliance reasons.

Users may contact Viapa support for assistance with transaction discrepancies.

Transaction records may be retained when required for accounting, dispute resolution, fraud prevention, or legal compliance.

7.6 Regulatory Restrictions

Financial functionality may be unavailable in jurisdictions where the required authorizations or operational arrangements are not established.

Viapa and participating service providers may restrict transactions to satisfy applicable legal, financial, and security obligations.

8. App Store Payments and Digital Purchases

Viapa recognizes and follows applicable Apple App Store and Google Play payment requirements.

Different transaction categories may be subject to different rules.

8.1 Digital Goods and Services

Purchases of digital goods, subscriptions, credits, or functionality consumed within the application will use the applicable platform-required payment mechanism unless an express exception or entitlement permits another method.

Espees credits may not be used to circumvent applicable In-App Purchase requirements.

8.2 Financial Transactions

Eligible financial-value transactions and services may be processed using appropriate third-party infrastructure where permitted by applicable law and platform policies.

8.3 Apple In-App Purchases

Where Apple In-App Purchase is used, billing, refunds, subscription management, and other purchase matters are subject to Apple’s applicable terms and procedures.

8.4 External Payment Processing

Where external payment methods are permitted, the relevant transaction is subject to the terms of the participating payment provider and applicable service agreements.

The availability of Stripe, Bachs, or any external payment method does not automatically exempt a transaction from Apple’s payment requirements.

9. Church Giving and Donations

Viapa and Church Connect Pro may provide functionality enabling eligible users to make church contributions.

Supported contributions may include:

• Tithes.
• Offerings.
• Partnership contributions.
• Special church donations.
• Other designated church giving.

9.1 Intended Recipients

Church contributions are intended for the designated participating church or eligible recipient organization, subject to applicable payment arrangements.

9.2 Processing

Giving transactions may use supported payment services and permitted digital value arrangements.

Applicable fees, transaction details, and recipient information will be presented where required.

9.3 Church Responsibility

Participating churches are responsible for their religious activities, donation designations, financial records, organizational eligibility, and any applicable tax acknowledgments.

Viapa does not independently guarantee that contributions are tax-deductible.

9.4 App Marketplace Requirements

Donation functionality is subject to applicable charitable fundraising rules, nonprofit eligibility requirements, and app marketplace policies.

Where Apple Pay, nonprofit approval, or other authorization is required, the relevant functionality must satisfy those conditions before it is offered.

10. AI-Powered Assistance

Viapa provides AI-powered conversational services that assist users in accessing information and completing supported tasks.

These services may include:

• Conversational task management.
• Scheduling and reminders.
• Access to church information.
• Member and community interactions.
• Supported transaction initiation.
• Information retrieval and personalized assistance.

10.1 AI Accuracy

AI-generated responses may be inaccurate, incomplete, or outdated.

Users should verify important information before making consequential decisions.

Viapa’s AI services do not replace qualified legal, medical, financial, or other professional advice.

10.2 AI-Assisted Transactions

Some actions may be initiated through natural-language conversations.

Financial transactions and other sensitive activities may require additional confirmation, authentication, or verification.

An AI-generated statement does not establish that a transaction has been completed.

Completion depends on the verified status recorded by the applicable transaction system.

10.3 User Authorization

Users are responsible for reviewing transaction instructions and confirming the accuracy of payment details before authorizing transactions.

Viapa may reject, suspend, or request additional verification for activities presenting security or compliance concerns.

11. Bible Content and Licensing

Viapa provides access to Bible reading and Scripture-related services through the Free Use Bible API, developed by AO Lab.

Official documentation:
https://bible.helloao.org/docs/

The Free Use Bible API software is made available under the MIT License.

Individual Bible translations may carry separate licensing, copyright, attribution, or public-domain conditions.

The Berean Standard Bible and Majority Bible are identified by the API provider as public-domain Bible texts.

Viapa does not claim ownership of Bible translations produced by third-party publishers.

All applicable translation copyrights, ownership notices, and attribution requirements remain with their respective rights holders.

Users must respect applicable licensing conditions when reproducing or redistributing Bible content obtained through Viapa.

12. Rhapsody of Realities — Free Distribution

Viapa provides complimentary access to Rhapsody of Realities, a daily Christian devotional published by LoveWorld Publishing.

Official website:
https://rhapsodyofrealities.org/

Rhapsody of Realities encourages individuals, churches, and distribution partners to share the devotional free of charge through its global outreach and evangelism initiatives.

These initiatives include ReachOut campaigns and digital distribution programs.

Viapa supports the free distribution initiative by making devotional content available to users without charging for access.

12.1 Content Source

Viapa obtains Rhapsody of Realities devotional content from the official publisher’s materials and makes it available through its application.

12.2 Ownership and Attribution

Rhapsody of Realities and associated intellectual property remain the property of LoveWorld Publishing and the applicable rights holders.

Viapa Inc. does not claim ownership or authorship of the devotional.

Viapa acknowledges LoveWorld Publishing as the original publisher.

12.3 Content Usage

Rhapsody of Realities is provided as supplementary faith-based content.

Users may access the devotional for lawful personal and faith-related purposes, subject to the publisher’s applicable rights and distribution conditions.

Nothing in these Terms grants unrestricted rights to reproduce, modify, sell, or commercially exploit the publisher’s content.

13. News Content — LN24 International

Viapa provides users with access to news and current affairs sourced from LN24 International.

Official website:
https://ln24international.com/

13.1 Live News Retrieval

Viapa uses a live, web-based retrieval process to obtain news information from LN24 International’s publicly accessible website.

When users request or access news through Viapa, relevant content is retrieved dynamically from the publisher.

Viapa does not permanently store LN24 news articles in its own database as part of this service.

13.2 Attribution

Viapa acknowledges LN24 International as the original source of its news content.

All intellectual property rights in the original reporting, articles, photographs, and published materials remain with LN24 International and their respective rights holders.

13.3 Information Accuracy

News information may change over time.

Viapa does not guarantee the completeness or accuracy of third-party news content.

Users should consult the original publisher when verifying important information.

Viapa’s AI-generated summaries or explanations do not necessarily represent the views of LN24 International.

14. Third-Party Content and Services

Viapa integrates selected third-party products, APIs, content resources, and service providers.

These may include:

• LoveWorld Espees.
• Stripe.
• Bachs.
• Free Use Bible API.
• Rhapsody of Realities.
• LN24 International.
• Other supported integrations.

Each third-party provider retains ownership of its applicable intellectual property.

The presence of a third-party service within Viapa does not automatically establish ownership, endorsement, sponsorship, or a broader legal partnership beyond the applicable service arrangements.

Viapa may modify or discontinue an integration due to licensing, security, compliance, operational, or technical requirements.

15. Privacy and Data Protection

Viapa processes personal information to provide, maintain, personalize, and secure its Services.

Depending on the functionality used, this may include:

• Account and contact information.
• Authentication and verification information.
• Church membership records.
• Attendance and participation information.
• Transaction and wallet records.
• AI conversation data.
• Device and technical information.
• User preferences and service activity.

15.1 Church Member Information

Church membership and attendance records may be accessible to authorized church administrators, pastors, or leaders according to established roles and permissions.

Participating churches are responsible for ensuring that their personnel access and use member information appropriately.

15.2 Third-Party Processing

Certain information may be processed by authorized providers where necessary to deliver requested functionality.

These may include payment processors, AI technology providers, infrastructure services, and integrated church systems.

15.3 Privacy Policy

Further information about personal data collection, sharing, retention, protection, user rights, and deletion is provided in Viapa’s Privacy Policy.

Users should review the Privacy Policy before using the Services.

15.4 Account and Data Deletion

Users may request account deletion and exercise applicable privacy rights through the available account settings or by contacting Viapa.

Certain transaction, accounting, security, or legal records may need to be retained where required by law.

Deletion requests will be processed according to applicable legal obligations and the Privacy Policy.

16. Account Security

Users are responsible for maintaining the confidentiality of account credentials.

Users must not disclose passwords, PINs, verification codes, or sensitive authentication information to unauthorized persons.

Viapa may implement security measures including:

• Authentication and verification procedures.
• Transaction confirmations.
• Access controls.
• Fraud monitoring.
• Suspicious activity detection.
• Account restrictions where necessary.

Users should notify Viapa promptly if they suspect unauthorized access or fraudulent account activity.

17. User Content and Acceptable Use

Users retain ownership of content they lawfully submit to Viapa.

By submitting content, users authorize Viapa to process that content as necessary to provide the Services, subject to applicable privacy and organizational agreements.

Users must not:

• Use Viapa for illegal or fraudulent purposes.
• Impersonate another person or organization.
• Access unauthorized church or personal information.
• Misuse financial transactions or payment services.
• Upload malware or harmful code.
• Infringe intellectual property rights.
• Disrupt platform infrastructure.
• Circumvent security or verification systems.
• Use the AI assistant to facilitate unlawful conduct.

Viapa may investigate and restrict activity that violates these Terms.

Where supported communication or user-generated content features are available, Viapa may provide moderation, reporting, and blocking mechanisms.

18. Intellectual Property

Viapa Inc. owns or licenses its proprietary application technology, software, platform design, AI integrations, Church Connect Pro technology, branding, and related intellectual property.

Third-party resources remain the intellectual property of their respective owners.

These include:

• Espees and applicable LoveWorld-owned intellectual property.
• Rhapsody of Realities.
• Bible translations and associated content.
• LN24 International publications.
• Third-party provider names, logos, and trademarks.

Users receive a limited, nonexclusive, nontransferable, revocable license to access and use Viapa for permitted purposes.

Users may not reproduce, reverse-engineer, modify, redistribute, or commercially exploit Viapa’s proprietary software except as permitted by law or with written authorization.

19. Availability and Service Changes

Viapa may introduce, modify, suspend, or discontinue features to address operational, regulatory, contractual, security, or technical requirements.

Some features may be restricted by country, user role, participating organization, or eligibility status.

Viapa does not guarantee uninterrupted access to external services, payment networks, AI models, or content providers.

Where required, users will receive appropriate notice of material service changes.

20. Suspension and Termination

Users may stop using Viapa at any time.

Viapa may suspend or terminate access where reasonably necessary to:

• Address violations of these Terms.
• Prevent unauthorized activity.
• Investigate suspected fraud.
• Protect user security.
• Meet regulatory obligations.
• Respond to legal requirements.
• Protect platform stability.

Termination of a Viapa account does not automatically eliminate valid user claims, payment obligations, redemption rights, or records that must be maintained under applicable laws or service agreements.

21. Disclaimers

Viapa’s Services are provided on an “as available” basis, subject to applicable consumer protection laws.

Viapa does not guarantee that:

• AI-generated responses will always be accurate.
• Third-party services will always be available.
• Payment transactions will always complete immediately.
• External news and informational content will be error-free.
• All features will be available in every jurisdiction.

Nothing in these Terms excludes rights, warranties, or obligations that cannot lawfully be excluded.

22. Limitation of Liability

To the maximum extent permitted by applicable law, Viapa Inc. shall not be liable for indirect, incidental, special, or consequential damages arising from use of the Services.

Nothing in this section limits liability that cannot lawfully be excluded, including liability arising from fraud, willful misconduct, or applicable statutory protections.

Financial transaction obligations remain subject to the applicable provider agreements and governing law.

23. Indemnification

To the extent permitted by applicable law, users agree to indemnify Viapa Inc. against third-party claims, damages, and reasonable expenses arising from:

• Intentional misuse of the Services.
• Unlawful activities conducted through the platform.
• Infringement of third-party intellectual property rights.
• Material violations of these Terms.

This provision does not limit mandatory consumer rights or Viapa’s own legal responsibilities.

24. Apple App Store Terms

For users who obtain Viapa through Apple’s App Store:

1. These Terms are entered into between the user and Viapa Inc., not Apple Inc.
2. Viapa Inc. is responsible for the application and its content.
3. Apple has no obligation to provide maintenance or support for Viapa.
4. Viapa Inc. is responsible for addressing claims concerning the application, including applicable product liability, consumer protection, and intellectual property claims.
5. Users must comply with applicable third-party terms when using the application.
6. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce the applicable provisions.

Nothing in these Terms modifies rights or obligations imposed by Apple’s mandatory platform requirements or applicable law.

25. Google Play Terms

For users who obtain Viapa through Google Play, applicable Google Play payment, distribution, and consumer protection requirements also apply.

These Terms are between the user and Viapa Inc., not Google LLC.

26. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Colorado, United States, without regard to conflict-of-law principles, except where mandatory laws provide otherwise.

Nothing in these Terms prevents users from exercising applicable statutory rights, pursuing legally available remedies, or contacting relevant regulatory authorities.

27. Changes to These Terms

Viapa may revise these Terms to reflect changes in application functionality, operational practices, provider arrangements, or legal requirements.

Material changes will be communicated through appropriate channels where required by law.

Updated Terms will be made available through Viapa’s website or application.

Where legally required, additional notice or user consent will be obtained before material changes take effect.

Continued use after changes become effective may constitute acceptance to the extent permitted by law.

28. Contact Information

For questions concerning these Terms, account access, privacy, payment services, intellectual property, or other compliance matters, please contact:

Viapa Inc.
Legal, Privacy and Compliance Team

Email: privacy@viapaai.com
Website: https://viapaai.com/