Terms of Service

1. Acceptance of Terms

By accessing or using CashTrack ("the Service"), you agree to be bound by these Terms of Service. If you are using the Service on behalf of a business, you represent that you have the authority to bind that business to these terms. If you do not agree to these terms, do not use the Service.

2. Service Description

CashTrack is a cloud-based invoicing, payment tracking, and tax estimation platform designed for Nigerian businesses. The Service allows you to create and send invoices, track payments, manage clients, estimate tax obligations, and generate financial reports.

CashTrack never touches your money. We are a record-keeping and invoicing tool. All payment processing is handled by Paystack, a CBN-licensed payment processor. CashTrack is not a bank, payment processor, or financial institution.

3. User Accounts

• You must provide accurate and complete information when creating an account.
• You are responsible for maintaining the security of your account credentials.
• You must notify us immediately of any unauthorised access to your account.
• One business per account. Multiple user access may be available on higher plans.
• You must be at least 18 years old or the legal age of majority in your jurisdiction.
• We reserve the right to suspend or terminate accounts that violate these terms.

4. Billing & Payments

CashTrack offers free and paid subscription plans. Paid plans are billed monthly or annually via Paystack. By subscribing to a paid plan, you authorise us to charge your selected payment method on a recurring basis.

• All prices are displayed in Nigerian Naira (NGN) and include applicable taxes.
• You may upgrade, downgrade, or cancel your plan at any time from your account settings.
• Downgrades take effect at the end of the current billing period.
• Refunds are handled on a case-by-case basis at our discretion.
• We reserve the right to change pricing with 30 days' notice to existing subscribers.

5. Acceptable Use

You agree not to use CashTrack to:

• Conduct any illegal activity or facilitate fraud.
• Send spam, unsolicited messages, or harassing communications.
• Upload malicious code, viruses, or harmful content.
• Attempt to gain unauthorised access to our systems or other users' data.
• Reverse engineer, decompile, or disassemble the Service.
• Use the Service in any manner that could damage or overburden our infrastructure.
• Create invoices for fictitious or fraudulent transactions.
• Impersonate another person or business.

6. Intellectual Property

CashTrack and its original content, features, and functionality are owned by CashTrack and are protected by Nigerian and international copyright, trademark, and other intellectual property laws. You retain ownership of all data you input into the Service. By using CashTrack, you grant us a limited licence to process your data solely for the purpose of providing the Service.

7. Tax Disclaimer

8. Limitation of Liability

To the maximum extent permitted by Nigerian law, CashTrack shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of or inability to use the Service.

Our total liability for any claim arising from or related to the Service shall not exceed the amount you paid to CashTrack in the twelve (12) months preceding the claim.

CashTrack is not responsible for any financial losses resulting from incorrect invoicing, tax calculations, or payment tracking. You are responsible for verifying the accuracy of all financial data within the platform.

9. Termination

You may terminate your account at any time by contacting support or using the account deletion feature. We may terminate or suspend your account immediately, without prior notice, if you breach these Terms of Service.

Upon termination, your right to use the Service ceases immediately. We will retain your data for 30 days after termination to allow for data export, after which it will be permanently deleted, subject to legal retention requirements.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Lagos State, Nigeria.

11. Dispute Resolution

Any dispute arising out of or in connection with these Terms shall first be resolved through good-faith negotiation. If the dispute cannot be resolved within 30 days, either party may submit the dispute to mediation under the Lagos Court of Arbitration (LCA) rules. If mediation fails, the dispute shall be finally resolved by arbitration under the Arbitration and Mediation Act 2023 of Nigeria.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 14 days before taking effect. Your continued use of the Service after changes take effect constitutes acceptance of the revised terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us at: