Terms of Service

1. Acceptance of Terms

By accessing or using AFROBILLS ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms constitute a legally binding agreement between you and AFROBILLS. Your use of the Service is also subject to our Privacy Policy.

2. Description of Service

AFROBILLS provides a cloud-based financial management platform that enables businesses to:

• Scan and store receipts digitally
• Create and send invoices
• Track payments and transactions
• Generate financial reports
• Manage business expenses
• Integrate with payment gateways

We reserve the right to modify, suspend, or discontinue the Service at any time without prior notice.

3. Account Registration

3.1 Account Creation

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to:

• Notify us immediately of any unauthorized use
• Ensure that you exit from your account at the end of each session
• Not share your password with anyone

We cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

4. User Responsibilities

As a user of AFROBILLS, you agree to:

• Use the Service only for lawful purposes
• Not use the Service to store or transmit illegal content
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt the Service
• Not use automated tools to access the Service
• Not reproduce, duplicate, or copy any part of the Service
• Comply with all applicable laws and regulations

5. Payment Terms

5.1 Subscription Fees

AFROBILLS offers various subscription plans with different features and pricing. By subscribing to a paid plan, you agree to pay the applicable fees.

5.2 Payment Processing

Payments are processed through third-party payment processors. You agree to:

• Provide valid payment information
• Authorize automatic billing for recurring subscriptions
• Pay all charges incurred under your account

5.3 Refund Policy

Refunds are handled on a case-by-case basis. Please contact our support team for refund requests. We reserve the right to refuse refunds in certain circumstances.

6. Intellectual Property

6.1 Our Rights

AFROBILLS and its original content, features, and functionality are owned by AFROBILLS and are protected by international copyright, trademark, and other intellectual property laws.

6.2 Your Content

You retain ownership of any content you upload to the Service. By uploading content, you grant us a license to:

• Store and process your content
• Display your content as necessary to provide the Service
• Create backup copies of your content

You represent and warrant that you have the right to grant this license and that your content does not violate any third-party rights.

7. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

By using AFROBILLS, you consent to the collection and use of your information as described in our Privacy Policy.

8. Termination

8.1 Termination by You

You may terminate your account at any time by:

• Contacting our support team
• Using the account deletion feature in your settings

8.2 Termination by Us

We reserve the right to suspend or terminate your account at any time for any reason, including but not limited to:

• Violation of these Terms
• Suspicious or fraudulent activity
• Non-payment of fees
• Extended period of inactivity

Upon termination, your right to use the Service will immediately cease.

9. Disclaimers and Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that:

• The Service will be uninterrupted or error-free
• Defects will be corrected
• The Service is free of viruses or harmful components
• The results of using the Service will meet your requirements

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AFROBILLS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the amount you paid for the Service

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so the above limitations may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless AFROBILLS, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Nigeria.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Information

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