Terms of Service

1. Acceptance of Terms and Eligibility

By accessing or using CashTrack ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you are using the Service on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.

To use CashTrack, you must:

• Be at least 18 years of age or the legal age of majority in your jurisdiction.
• Be a sole proprietor, an authorised representative of a registered business entity, or an individual conducting lawful business activities.
• Not be prohibited from using the Service under Nigerian law or the laws of your jurisdiction.
• Provide accurate, current, and complete information during registration.

If you do not agree to these Terms, you must not access or use the Service.

2. Service Description

CashTrack is a cloud-based software-as-a-service (SaaS) platform designed for Nigerian businesses. The Service includes:

• Invoice management: Create, send, track, and manage professional invoices.
• Expense tracking: Record and categorise business expenses.
• Bank account linking: Connect your bank accounts via Mono for automatic transaction syncing and reconciliation.
• Tax calculations: Estimate tax obligations based on the Nigeria Tax Administration Act 2025 rates (for informational purposes only; not a substitute for professional tax advice).
• Payment processing: Facilitate invoice payments from your clients via Paystack and Flutterwave.
• Client management: Maintain records of your business clients and their contact details.
• Financial reporting: Generate reports on income, expenses, and tax estimates.

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

3. Account Responsibilities

• You must provide accurate, current, and complete information during registration and keep it updated.
• You are solely responsible for maintaining the confidentiality of your account credentials (email and password).
• We strongly recommend enabling two-factor authentication (2FA) for additional account security.
• You must notify us immediately at legal@cashtrack.ng of any unauthorised access to your account.
• You are responsible for all activities that occur under your account, whether or not you authorised them.
• One business per account. Multiple user access may be available on higher-tier plans.
• You must not share your account credentials with any third party.

4. Subscription Plans and Billing

CashTrack offers a free tier with limited features and paid subscription plans with enhanced capabilities.

• Free tier: Includes basic invoicing, limited expense tracking, and limited tax estimation features. No payment required.
• Paid plans: Billed monthly or annually via Paystack. By subscribing to a paid plan, you authorise recurring charges to your selected payment method.
• Auto-renewal: Paid subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.
• Cancellation: You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. No pro-rata refunds are provided for the remaining period.
• Pricing: All prices are displayed in Nigerian Naira (NGN) and include applicable taxes.
• Upgrades and downgrades: You may upgrade or downgrade your plan at any time. Upgrades take effect immediately with prorated billing. Downgrades take effect at the end of the current billing period.
• Price changes: We reserve the right to change pricing with at least 30 days' notice to existing subscribers. You may cancel before the new pricing takes effect.
• Refunds: Refunds are handled on a case-by-case basis at our discretion. Contact legal@cashtrack.ng for refund requests.

5. Acceptable Use

You agree to use CashTrack only for lawful business purposes. You must not:

• Conduct any illegal activity or facilitate fraud, money laundering, or terrorist financing.
• Create invoices for fictitious, fraudulent, or non-existent transactions.
• Send spam, unsolicited messages, or harassing communications through the platform.
• Upload malicious code, viruses, or harmful content.
• Attempt to gain unauthorised access to our systems, other users' data, or any connected third-party services.
• Reverse engineer, decompile, disassemble, or create derivative works of the Service.
• Use the Service in any manner that could damage, disable, or overburden our infrastructure.
• Impersonate another person, business, or entity.
• Use the Service to process payments for illegal goods or services.
• Scrape, crawl, or use automated tools to extract data from the platform without written permission.

For the complete acceptable use policy, please refer to our Acceptable Use Policy. Violations may result in immediate suspension or termination of your account.

6. Customer Compliance Obligations

As a user of CashTrack, you are responsible for ensuring that your use of the Service complies with:

• Tax law: All applicable Nigerian tax laws, including obligations under the Companies Income Tax Act (CITA), Personal Income Tax Act (PITA), Value Added Tax Act, and the Nigeria Tax Administration Act 2025. CashTrack provides tax estimates for informational purposes only and is not a substitute for professional tax advice.
• Anti-money laundering (AML): The Money Laundering (Prohibition) Act 2011 (as amended) and all applicable AML/CFT regulations.
• Data protection: The Nigeria Data Protection Act 2023 (NDPA) and, where applicable, the EU General Data Protection Regulation (GDPR), particularly regarding any client personal data you input into CashTrack.
• Business registration: All applicable Corporate Affairs Commission (CAC) registration requirements.

7. Intellectual Property Rights

Your data: You retain full ownership of all data, content, and materials you input into CashTrack, including invoices, expense records, client information, and financial data. We claim no ownership over your data.

Our platform: CashTrack and its original content, features, functionality, design, source code, algorithms, trademarks, and logos are owned by CashTrack and are protected by Nigerian and international copyright, trademark, patent, and other intellectual property laws.

Limited licence: By using CashTrack, you grant us a limited, non-exclusive, non-transferable licence to process your data solely for the purpose of providing the Service. This licence terminates when you delete your account.

Feedback: If you provide suggestions, ideas, or feedback about the Service, you grant us a royalty-free, worldwide, perpetual licence to use such feedback to improve the Service.

8. Data Handling

Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using the Service, you acknowledge that you have read and understood our Privacy Policy.

9. Bank Account Linking (Mono)

CashTrack offers optional bank account linking through Mono, a CBN-licensed financial data provider. By linking your bank account:

• You authorise Mono to access your bank account data (transactions, balances, account holder details) on your behalf.
• You agree to Mono's terms of service and privacy policy.
• You acknowledge that CashTrack does not store your bank login credentials — authentication is handled entirely by Mono.
• You may unlink your bank account at any time from your account settings.
• Data accuracy disclaimer: CashTrack displays bank transaction data as received from Mono. We do not guarantee the accuracy, completeness, or timeliness of bank data. You are responsible for verifying all financial data.
• Bank linking is optional and is not required to use core CashTrack features.

10. Payment Processing (Paystack and Flutterwave)

Invoice payments from your clients are processed by Paystack and Flutterwave, both CBN-licensed payment processors.

• By using payment features, you agree to the terms of service and privacy policies of Paystack and/or Flutterwave as applicable.
• All payment transactions are denominated in Nigerian Naira (NGN).
• Transaction fees charged by Paystack or Flutterwave are the responsibility of the merchant (you) unless otherwise configured per invoice.
• CashTrack receives only payment status confirmations (success, pending, failed). We do not store credit card numbers, CVVs, or bank account credentials.
• Payment disputes between you and your clients should be resolved directly. CashTrack can provide transaction records to assist but is not a party to the transaction.
• Settlement timelines are determined by Paystack and Flutterwave, not CashTrack.

11. Tax Disclaimer

12. Limitation of Liability

To the maximum extent permitted by Nigerian law:

• No consequential damages: CashTrack shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of business opportunities, or business interruption, arising from your use of or inability to use the Service.
• Liability cap: Our total aggregate liability for any and all claims arising from or related to the Service shall not exceed the total amount you paid to CashTrack in the twelve (12) months immediately preceding the event giving rise to the claim. If you are on the free tier, our maximum liability shall not exceed Ten Thousand Naira (NGN 10,000).
• Financial data: CashTrack is not responsible for any financial losses resulting from incorrect invoicing, tax calculations, expense tracking, or payment records. You are responsible for verifying the accuracy of all financial data within the platform.
• Third-party services: We are not liable for any losses arising from the acts or omissions of third-party providers (Paystack, Flutterwave, Mono, Supabase, Vercel).

13. Indemnification

You agree to indemnify, defend, and hold harmless CashTrack, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the Service or any violation of these Terms.
• Any data or content you input into the Service.
• Your violation of any applicable law, regulation, or third-party rights.
• Any dispute between you and your clients arising from invoices or payments processed through the Service.
• Your failure to comply with tax, AML, or data protection obligations.

14. Service Availability

We target 99.9% uptimefor the CashTrack platform, but this is a target, not a guarantee. The Service is provided on an "as is" and "as available" basis.

• We may perform scheduled maintenance with reasonable advance notice (typically 24 hours).
• We are not liable for any downtime caused by circumstances beyond our reasonable control, including internet outages, third-party service failures, natural disasters, or government actions.
• We do not guarantee that the Service will be uninterrupted, error-free, or free of harmful components.
• We reserve the right to modify, suspend, or discontinue any feature of the Service with reasonable notice.

15. Termination and Suspension

Termination by you: You may terminate your account at any time by using the account deletion feature in your account settings or by contacting us at legal@cashtrack.ng.

Termination or suspension by us: We may suspend or terminate your account immediately, with or without prior notice, if:

• You commit a material breach of these Terms.
• You fail to pay subscription fees when due (after a 7-day grace period).
• You violate the Acceptable Use Policy.
• Your use of the Service poses a security risk to the platform or other users.
• We are required to do so by law or a court order.
• Your account has been inactive for more than 12 consecutive months (free tier only).

Effect of termination: Upon termination, your right to use the Service ceases immediately. We will retain your data for a 30-day data export window (see Section 16 below), after which it will be permanently deleted, subject to legal retention requirements.

16. Data Export on Termination

In accordance with your data portability rights under the Nigeria Data Protection Act 2023 (NDPA) and, where applicable, the EU GDPR:

• You have a 30-day window after account termination to export your data.
• Data is available for export in structured, commonly used formats (JSON and CSV).
• Exportable data includes: invoices, expenses, client records, payment records, tax calculations, and financial reports.
• After the 30-day window, your personal data will be permanently deleted, except where retention is required by Nigerian law (e.g., 6-year financial record retention for tax purposes).
• You may request a data export at any time during your active subscription from your account settings.

17. 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.

18. Dispute Resolution

Any dispute arising out of or in connection with these Terms shall be resolved through the following process:

1. Negotiation: The parties shall first attempt to resolve the dispute through good-faith negotiation within 30 days of written notice.
2. Mediation: If negotiation fails, either party may submit the dispute to mediation under the Lagos Court of Arbitration (LCA) Mediation Rules. The mediation shall take place in Lagos, Nigeria.
3. Arbitration: If mediation fails within 60 days, the dispute shall be finally resolved by binding arbitration under the Arbitration and Mediation Act 2023 of Nigeria. The arbitration shall be conducted in Lagos, Nigeria, in the English language, by a single arbitrator appointed in accordance with the LCA rules.

Nothing in this section prevents either party from seeking injunctive or other equitable relief from a court of competent jurisdiction where necessary to prevent irreparable harm.

19. General Provisions

• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Entire agreement: These Terms, together with the Privacy Policy, Cookie Policy, and Acceptable Use Policy, constitute the entire agreement between you and CashTrack regarding the Service and supersede all prior agreements and understandings.
• Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. CashTrack may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Force majeure: Neither party shall be liable for any failure or delay in performance due to causes beyond its reasonable control, including natural disasters, war, terrorism, pandemics, government actions, or internet infrastructure failures.
• Notices: All legal notices must be sent to legal@cashtrack.ng. We may send notices to the email address associated with your account.

20. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes:

• We will provide at least 30 days' notice before the changes take effect.
• We will notify you via email and/or a prominent notice within the platform.
• We will update the "Last updated" date at the top of this page.

Your continued use of CashTrack after the updated Terms take effect constitutes your acceptance of the revised Terms. If you do not agree with the changes, you must stop using the Service and delete your account before the new Terms take effect.

21. Contact Us

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