Terms of Service

1. Definitions

As used in these Terms, the following definitions apply:

2. Acceptance and Eligibility

2.1 Legal Capacity. By accepting these Terms, you represent and warrant that: (a) you are at least eighteen (18) years of age; (b) you have the legal capacity and authority to enter into a binding contract; and (c) if you are accepting on behalf of an organisation, you have the authority to bind that organisation to these Terms. If you do not have such authority, you must not accept these Terms or use the Service.

2.2 Business Use. The Service is intended for business and commercial use. You acknowledge that you are not accessing the Service as a consumer for personal, household, or domestic purposes.

2.3 Geographic Availability. We do not represent that the Service is appropriate or available in all jurisdictions. You are responsible for compliance with local laws in your jurisdiction, including any applicable tax reporting obligations.

3. Account Registration and Security

3.1 Accurate Information. You agree to provide accurate, current, and complete information during registration and to promptly update such information if it changes. Providing false, misleading, or fraudulent information constitutes a material breach of these Terms and may result in immediate termination of your Account.

3.2 Account Security. You are solely responsible for maintaining the confidentiality of your Account credentials (username, password, and any multi-factor authentication tokens). You must not share your credentials with any person not designated as an Authorised User. You are fully responsible for all activities that occur under your Account, whether or not authorised by you.

3.3 Breach Notification. You must notify us immediately at support@moniepilot.com if you suspect or discover any unauthorised access to or use of your Account, or any breach of security. We will not be liable for any loss or damage arising from your failure to comply with this obligation.

3.4 Authorised Users. You may invite individuals to use the Service as Authorised Users subject to the team-member limits of your Plan. You are responsible for ensuring all Authorised Users comply with these Terms and for any acts or omissions of your Authorised Users. You must promptly revoke access for any Authorised User who ceases to be employed or engaged by you or who violates these Terms.

3.5 One Account per Organisation. Each Organisation may maintain one primary Account. Creating multiple Accounts to circumvent plan limits or to obtain multiple Trial Periods is prohibited and constitutes a material breach of these Terms.

4. Free Trial

4.1 Trial Terms. New Accounts are eligible for a fourteen (14) day free trial of the Pro plan ("Trial Period"). No payment method is required to start a Trial. The Trial Period begins on the date of Account creation and ends fourteen (14) days later, at 23:59:59 UTC.

4.2 Trial Limitations. The Trial Period is provided solely for evaluation purposes. During the Trial, you have access to Pro-plan features, subject to fair-use limits that we may apply to prevent abuse. At the end of the Trial Period, access to paid features will be suspended unless you subscribe to a paid Plan.

4.3 One Trial per Organisation. Each Organisation is entitled to one Trial Period only. Creating additional Accounts to obtain further Trial Periods is prohibited.

4.4 No Warranty During Trial. THE SERVICE IS PROVIDED "AS IS" DURING THE TRIAL PERIOD WITHOUT ANY WARRANTIES. WE SHALL HAVE NO LIABILITY FOR ANY HARM CAUSED BY YOUR USE OF THE SERVICE DURING THE TRIAL PERIOD, TO THE EXTENT PERMITTED BY APPLICABLE LAW.

5. Subscription Plans and Billing

5.1 Plan Selection. Following the Trial Period (or at any time), you may subscribe to one of the available Plans (Starter, Pro, or Business). Each Plan provides access to specific modules and features as described on our Pricing page. Plan details are incorporated into these Terms by reference.

5.2 Billing Cycle. Subscriptions are billed on a monthly recurring basis. Billing commences on the date you activate your paid subscription and recurs on the same calendar day each subsequent month. If your billing date falls on a day that does not exist in a given month (e.g., the 31st in a 30-day month), billing will occur on the last day of that month.

5.3 Automatic Renewal. Your subscription will automatically renew at the end of each Subscription Period at the then-current rate for your Plan, unless you cancel before the renewal date in accordance with Section 7.

5.4 Payment Method. You must provide a valid payment method accepted by Stripe at the time of subscription. By providing your payment information, you authorise us (through our payment processor, Stripe, Inc.) to charge the applicable Fees on a recurring basis without requiring your approval for each charge, until you cancel. You agree to maintain a valid payment method on file at all times.

5.5 Taxes. All Fees are exclusive of applicable taxes. You are responsible for all applicable taxes, levies, duties, or similar governmental assessments of any nature, including value-added tax (VAT), goods and services tax (GST), or any similar taxes, imposed by any jurisdiction. Where required by law, we may collect and remit taxes on your behalf.

5.6 Failed Payments. If a payment fails, we will notify you by email. We will retry the charge up to three (3) times over a period of seven (7) days. If payment remains unsuccessful after all retries, we reserve the right to downgrade or suspend your Account until payment is resolved. You remain liable for all outstanding Fees during any suspension period.

5.7 Upgrades. You may upgrade your Plan at any time. Upgrades take effect immediately. The Fees for the new Plan will be prorated for the remainder of the current Subscription Period and charged immediately.

5.8 Downgrades. You may downgrade your Plan at any time. Downgrades take effect at the start of the next Subscription Period. No partial refund is issued for the difference in Plan cost for the current period. You are responsible for ensuring your data and usage are compatible with the lower Plan before the downgrade takes effect.

5.9 Stripe Terms. Payment processing services are provided by Stripe, Inc. By subscribing to a paid Plan, you also agree to Stripe's Terms of Service and Privacy Policy.

6. Price Changes

6.1 Notice. We reserve the right to change our Fees at any time. We will provide at least thirty (30) days' written notice of any price increase via email to the address associated with your Account and/or by posting a notice in the Service.

6.2 Acceptance. Your continued use of the Service after the effective date of any price change constitutes your acceptance of the new Fees. If you do not agree to a price increase, you may cancel your subscription before the new pricing takes effect in accordance with Section 7.

6.3 Promotional Rates. Any promotional or discounted pricing is valid only for the period stated at the time of purchase. Upon expiry of the promotional period, the standard Plan rate will apply and will be communicated to you in advance.

7. Refunds and Cancellations

7.1 Cancellation. You may cancel your subscription at any time by navigating to the Billing section of your Account dashboard. Cancellation takes effect at the end of the current Subscription Period. You will retain access to the Service through the end of the period for which you have already paid. No access is provided after the cancellation effective date unless you re-subscribe.

7.2 No Refunds. Except as expressly stated in this Section or as required by applicable law, all Fees are non-refundable. We do not provide refunds or credits for partial months of service, for periods when your Account was suspended due to a violation of these Terms, or for periods of low or non-use.

7.3 Exceptional Refunds. If you experience a material, unresolved service failure directly attributable to us and report it within seven (7) days of occurrence, we may, at our sole discretion, offer a pro-rata credit for affected days. Such credit will be applied to your next billing cycle and is not redeemable for cash.

7.4 Statutory Rights. Nothing in this Section limits any statutory rights to a refund you may have under applicable consumer protection law. To the extent applicable law requires us to provide a refund, we will do so.

8. License Grant

8.1 Grant. Subject to your compliance with these Terms and timely payment of all Fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service during the Subscription Period, solely for your internal business operations and in accordance with the Documentation.

8.2 Restrictions. You must not, and must not permit any third party to: (a) copy, modify, create derivative works of, or distribute any part of the Service or Documentation; (b) reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive or access the source code of the Service; (c) rent, lease, loan, sell, sublicense, resell, transfer, or otherwise make the Service available to any third party other than Authorised Users; (d) remove or alter any proprietary notices, labels, or marks on the Service; (e) use the Service to build a competing product or service; or (f) use the Service in any manner that violates applicable law.

8.3 API Access. Where we make API access available, your use is subject to any additional API-specific terms we publish. We reserve the right to throttle, limit, or revoke API access if your usage adversely affects the Service's performance for other users.

9. Intellectual Property

9.1 Our IP. The Service, including all software, algorithms, user interface designs, text, graphics, logos, trademarks, trade names, and other content comprising the Service (excluding Business Data), is owned by or licensed to MoniePilot and is protected by applicable Intellectual Property Rights. These Terms do not transfer any ownership of our Intellectual Property Rights to you.

9.2 Your IP. You retain all Intellectual Property Rights in your Business Data. You grant us a limited, non-exclusive, royalty-free, worldwide licence to host, store, process, reproduce, and display your Business Data solely to the extent necessary to provide the Service to you.

9.3 Feedback. If you submit feedback, suggestions, or ideas about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use, incorporate, and exploit that Feedback in any manner without restriction or compensation to you.

9.4 Aggregate Data. We may collect and use anonymised, aggregated, non-personally-identifiable data derived from your use of the Service ("Aggregate Data") for the purpose of improving the Service, producing benchmarking or statistical reports, and for other lawful business purposes. Aggregate Data does not identify you or any individual and is not considered Business Data.

10. User Content and Data

10.1 Your Responsibility. You are solely responsible for all Business Data you submit to the Service. You represent and warrant that: (a) you have all necessary rights to submit the Business Data; (b) the Business Data does not infringe any third-party Intellectual Property Rights; (c) the Business Data does not violate any applicable law or regulation; and (d) you have obtained all necessary consents to submit any Personal Data of third parties (including your customers and employees) to the Service.

10.2 No AI Training. We do not use your Business Data to train machine learning or artificial intelligence models. Where the Service incorporates AI-powered features (such as AI Insights or forecasting), these features use only your own Business Data, processed locally within your Account, to generate outputs for your benefit. Your Business Data is not shared with or used to benefit any other customer or organisation.

10.3 Data Accuracy. We are not responsible for the accuracy, completeness, or legality of your Business Data. We are a platform, not an auditor or financial adviser. Any reports, analyses, or forecasts generated by the Service are based on the data you input and are provided for informational purposes only. You should not rely solely on such outputs for significant financial, legal, or business decisions.

11. Acceptable Use Policy

You agree to use the Service only for lawful purposes and in accordance with these Terms. Without limiting the foregoing, you must not use the Service to:

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your Account, without liability to you, and we reserve the right to report violations to relevant law enforcement authorities.

12. Third-Party Integrations

12.1 Third-Party Services. The Service integrates with third-party services, including Stripe for payment processing and Google for authentication. Your use of these integrations is subject to the terms and privacy policies of the respective third-party providers. We are not responsible for the acts or omissions of any third-party service provider.

12.2 Online Store and Payments. Where you activate the Online Store module and accept payments from your customers via the Service, you acknowledge that: (a) you are responsible for the accuracy of your product listings and pricing; (b) you are responsible for fulfilling orders placed through your storefront; (c) you must comply with all applicable consumer protection and e-commerce laws in your jurisdiction; and (d) we are not a party to the transaction between you and your customers and bear no liability for transaction disputes.

12.3 Changes to Integrations. Third-party integrations may be modified, deprecated, or discontinued at any time, whether by us or the third-party provider. We will use reasonable efforts to notify you of material changes to integrations in advance where possible, but we assume no liability for disruptions caused by changes made by third parties.

13. Service Availability

13.1 Uptime Target. We aim to maintain the Service with a monthly uptime of 99.5% (excluding scheduled maintenance). This is a target, not a binding service level guarantee. We do not offer formal SLA credits unless separately agreed in writing.

13.2 Scheduled Maintenance. We may perform scheduled maintenance that results in temporary unavailability. Where possible, we will perform maintenance during off-peak hours and will provide reasonable advance notice via email or in-app announcement. We will not be liable for downtime caused by scheduled maintenance.

13.3 Unscheduled Downtime. We will use commercially reasonable efforts to resolve unscheduled downtime as quickly as possible. We will provide status updates through our status channels. We shall not be liable for any losses arising from unscheduled downtime beyond the liability limitations set out in Section 19.

13.4 Modifications to the Service. We reserve the right to modify, enhance, or discontinue features or modules of the Service at any time. We will use reasonable efforts to provide advance notice of material changes or feature removals that may affect your workflow.

14. Confidentiality

14.1 Mutual Obligation. Each party may disclose to the other certain confidential or proprietary information ("Confidential Information") in connection with the Service. Each party agrees to: (a) hold the other's Confidential Information in strict confidence; (b) not disclose it to any third party without prior written consent; and (c) use it only to the extent necessary to perform obligations or exercise rights under these Terms.

14.2 Exclusions. Confidential Information does not include information that: (a) is or becomes publicly known through no breach of these Terms; (b) was rightfully known to the receiving party prior to disclosure; (c) is independently developed by the receiving party without reference to the disclosing party's Confidential Information; or (d) is required to be disclosed by law or court order, provided the receiving party gives prompt written notice and cooperates with any efforts to obtain confidential treatment.

14.3 Business Data. Your Business Data constitutes your Confidential Information. We will not disclose your Business Data to any third party except as strictly necessary to provide the Service, as described in our Privacy Policy, or as required by applicable law.

15. Suspension and Termination

15.1 Suspension by Us. We may suspend your access to the Service, in whole or in part, with or without notice, if: (a) we believe in good faith that you are in material breach of these Terms; (b) your payment is overdue and has not been resolved within seven (7) days of notice; (c) your use of the Service poses a security risk to us or other users; (d) required by law, regulation, or the order of a competent authority; or (e) you are subject to insolvency, bankruptcy, or similar proceedings.

15.2 Termination by You. You may terminate your Account at any time by cancelling your subscription through the Billing section of your Account dashboard. The termination will take effect at the end of the current Subscription Period. All Fees paid up to the termination effective date are non-refundable.

15.3 Termination by Us for Cause. We may terminate your Account immediately upon notice if: (a) you commit a material breach of these Terms that is incapable of remedy; (b) you commit a material breach that is capable of remedy but fail to remedy it within fourteen (14) days of receiving written notice from us; (c) you engage in conduct that we reasonably determine is fraudulent, illegal, or constitutes an abuse of the Service; or (d) continued provision of the Service becomes unlawful.

15.4 Termination by Us for Convenience. We may terminate your Account for any reason or no reason upon sixty (60) days' written notice. In such event, we will refund a pro-rata portion of any prepaid Fees for the unused period following the termination effective date.

16. Effect of Termination

16.1 Cessation of Access. Upon termination or expiry of your subscription for any reason, your licence to use the Service terminates immediately and you must cease all use of the Service.

16.2 Data Retention. Following Account termination, we will retain your Business Data for a period of thirty (30) days (the "Retention Period") to enable recovery in case of accidental cancellation. After the Retention Period, we will permanently delete your Business Data from our active systems, subject to any obligations under applicable law to retain certain records. You may request immediate deletion of your Business Data by contacting us at support@moniepilot.com.

16.3 Export Prior to Termination. We strongly recommend that you export your Business Data before the termination effective date using the export functions available in the Service. We are not responsible for any loss of data that occurs after the Retention Period.

16.4 Survival. The following Sections will survive termination or expiry of these Terms: 1 (Definitions), 9 (Intellectual Property), 14 (Confidentiality), 17 (Data Portability), 18 (Disclaimer of Warranties), 19 (Limitation of Liability), 20 (Indemnification), 21 (Dispute Resolution), 22 (Governing Law), and any other provisions that by their nature should survive.

17. Data Portability and Deletion

17.1 Export. During the term of your subscription, you may export your Business Data from the Service at any time using the in-app CSV and report export features available within your Account. We do not charge additional fees for standard data exports.

17.2 Deletion Requests. You may submit a request for immediate deletion of all your Business Data at any time by contacting us at support@moniepilot.com. Upon receiving a verifiable deletion request, we will delete your Business Data within thirty (30) days, subject to any legal obligations to retain certain records. We will confirm completion of deletion in writing.

18. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; OR (E) THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT PROVIDE LEGAL, ACCOUNTING, TAX, OR FINANCIAL ADVICE. THE SERVICE IS A BUSINESS MANAGEMENT TOOL ONLY. YOU SHOULD CONSULT QUALIFIED PROFESSIONALS FOR ADVICE SPECIFIC TO YOUR LEGAL, ACCOUNTING, AND FINANCIAL CIRCUMSTANCES.

19. Limitation of Liability

19.1 Exclusion of Indirect Losses. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MONIEPILOT, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR LOSS OF GOODWILL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19.2 Cap on Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY, OR OTHERWISE, SHALL NOT EXCEED THE TOTAL FEES YOU PAID TO US IN THE TWELVE (12) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

19.3 Carve-Outs. Nothing in these Terms limits or excludes liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot be excluded or limited by applicable law.

19.4 Basis of Bargain. The parties acknowledge that the limitations of liability in this Section reflect a reasonable allocation of risk and that we would not enter into this Agreement without these limitations.

20. Indemnification

20.1 Your Indemnity. You agree to defend, indemnify, and hold harmless MoniePilot and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Service in violation of these Terms; (b) your Business Data, including any claim that your Business Data infringes any third-party rights; (c) your violation of any applicable law; or (d) any dispute between you and any third party, including your customers or employees.

20.2 Procedure. We will notify you promptly in writing of any claim subject to indemnification, and you will have the right to assume the defence of such claim with counsel reasonably acceptable to us. We reserve the right to participate in the defence of any claim at our own expense. You may not settle any claim in a manner that imposes liability on us or restricts our rights without our prior written consent.

21. Dispute Resolution and Arbitration

21.1 Good-Faith Negotiation. Before initiating any formal dispute resolution, the parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") through good-faith negotiation. Either party may initiate the negotiation process by sending a written notice describing the Dispute to the other party. The parties will have thirty (30) days from receipt of such notice to attempt to resolve the Dispute.

21.2 Arbitration. If the Dispute is not resolved through negotiation within thirty (30) days, either party may refer the Dispute to binding arbitration in accordance with the applicable arbitration rules of a mutually agreed arbitration institution. The arbitration will be conducted by a single arbitrator. The language of the arbitration will be English. The arbitral award will be final and binding on both parties and may be enforced by any court of competent jurisdiction.

21.3 Exceptions. Notwithstanding the above, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending resolution of a Dispute, or to enforce Intellectual Property Rights. Either party may also bring a claim in small claims court for claims within the court's monetary jurisdiction.

21.4 No Class Actions. TO THE EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS MUST BE BROUGHT ON AN INDIVIDUAL BASIS, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

22. Governing Law and Jurisdiction

These Terms and any Dispute arising out of or in connection with them 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. To the extent that any Dispute is brought before a court (including for enforcement of an arbitral award), the parties submit to the exclusive jurisdiction of the courts of Nigeria.

23. Force Majeure

Neither party will be liable for any delay or failure to perform its obligations under these Terms to the extent that such delay or failure is caused by a Force Majeure Event. A "Force Majeure Event" means any event beyond a party's reasonable control, including acts of God, natural disasters, pandemics or epidemics, wars, terrorism, civil unrest, actions of government authorities, power outages, internet or telecommunications failures attributable to third-party infrastructure, or denial-of-service attacks beyond reasonable mitigation. The affected party must notify the other party promptly of the Force Majeure Event and use commercially reasonable efforts to resume performance as soon as practicable.

24. Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms, in whole or in part, without our prior written consent, which we may withhold in our sole discretion. Any purported assignment without such consent is null and void. We may assign these Terms or any of our rights hereunder, in whole or in part, without your consent in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of our assets. These Terms will be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns.

25. Entire Agreement

These Terms, together with the Privacy Policy and any Order Form or Plan details you have accepted, constitute the entire agreement between you and MoniePilot with respect to the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Service.

If there is any conflict between these Terms and the Privacy Policy, these Terms shall prevail to the extent of the conflict, except with respect to data protection matters, where the Privacy Policy shall prevail.

26. Changes to These Terms

26.1 Right to Amend. We may update or modify these Terms at any time. We will post the revised Terms on our website with an updated "Last updated" date.

26.2 Notice of Material Changes. For material changes — meaning changes that substantially affect your rights or obligations — we will notify you by email to the address associated with your Account and/or by displaying a prominent notice within the Service, at least thirty (30) days before the changes take effect.

26.3 Acceptance. Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription before the effective date.

27. Contact Information

If you have questions, concerns, or requests regarding these Terms, please contact us: