1. These terms

Billing Plus ("Billing+", "the App", "we", "us") is a product of Carburant Technologies Limited, a company registered in Nigeria, of Warri, Delta State, Nigeria.

These Terms of Use ("Terms") govern your use of the Billing Plus mobile apps, the web app at suite.getbilling.co, and the website at getbilling.co, including the blog and the tax calculators.

By creating an account or using the App, you agree to these Terms. If you don't agree, don't use the App.

Two related documents form part of your agreement with us: the Privacy Policy and the Refund Policy. Where the Refund Policy says something more specific about refunds than these Terms, the Refund Policy wins.

2. Who can use Billing Plus

You must be at least 18 years old. If you're using Billing Plus for a business, company or other organisation, you confirm you have authority to accept these Terms on its behalf, and "you" then means both you and that organisation.

You must not use the App if you're barred from doing so under the laws of your country or under Nigerian law, or if you're on a relevant sanctions list.

3. Your account

You're responsible for keeping your login details private and for everything that happens under your account. Use a strong, unique password. Tell us promptly at [email protected] if you think someone else has got in.

Give us accurate details when you sign up, and keep them current — we use your email address to send you things that matter, like receipts and security notices.

Staff and team accounts. Where your plan lets you add staff, you're responsible for what they do in your account, for the access you give them, and for removing them when they leave. Each person should have their own login.

4. What Billing Plus is — and what it isn't

Billing Plus helps you create invoices, receipts and quotes, run a point of sale, track inventory and expenses, manage clients, and share payment links.

It is not:

• a bank, payment processor, or money transmitter
• an accountant, bookkeeper, auditor or tax adviser
• a legal adviser
• a fiscal or regulatory device certified by any tax authority

The tax calculators on our website are estimation tools. They aren't tax filings and they aren't advice. Get a qualified professional for your own situation.

5. Your data, and your customers' data

You own your business data. Your invoices, receipts, clients, products, sales, expenses and uploads are yours. We don't claim ownership of any of it.

The licence you give us is narrow and functional. You grant us permission to host, store, copy, transmit, display and back up your content only so far as we need to in order to run the service for you — for example, rendering an invoice, delivering it to the recipient you chose, syncing across your devices, or restoring from backup. That's it. We don't use your business data for marketing, we don't sell it, and we don't publish it. This licence ends when you delete the content or your account, subject to backup cycles and any records we're legally required to keep.

Your customers' data is your responsibility. When you enter a client's details or import a contact, you're the one deciding to collect that person's information. You confirm you have the right to do so, and that you'll handle it in line with the data protection laws that apply to you — including the Nigeria Data Protection Act 2023 or the GDPR, if either applies to your business. We process it on your instructions, as described in the Privacy Policy.

Exporting. You can export your records from the App at any time while your account is active. Do this before you close your account.

6. Your responsibilities when you invoice

The documents you create are yours. You're responsible for:

• the accuracy of what's on them — amounts, taxes, dates, terms, client details
• whether the tax treatment is correct for your business and your jurisdiction, including VAT, WHT and any other applicable tax
• whether your invoices meet any legal, formatting or e-invoicing requirements that apply where you or your client are based
• what you're selling being lawful

That point on e-invoicing matters and is worth stating plainly: several countries are introducing mandatory e-invoicing and reporting regimes on their own timelines. We don't warrant that documents produced in Billing Plus meet the requirements of any particular country's e-invoicing mandate, unless we've told you in writing that a specific compliance feature is available for your jurisdiction. Check with your accountant or the relevant tax authority.

Automatic tax calculation in the App is a convenience based on the rates you configure. Check the figures before you send.

7. Acceptable use

Don't use Billing Plus to:

• break any law, or help anyone else break one
• create false, fraudulent or misleading invoices, receipts or records
• invoice for goods or services that are illegal where you or your customer are
• launder money, evade tax, or disguise the source of funds
• impersonate anyone, or misrepresent your connection to a person or business
• upload content that's unlawful, infringing, obscene or harmful
• send unsolicited bulk messages, including using contacts you've imported
• probe, scan or attempt to gain unauthorised access to our systems
• reverse engineer, decompile or scrape the App, or use it to build a competing product
• put unreasonable load on our infrastructure, or use automated means to access the service beyond ordinary use
• resell or sublicense the App without our written agreement

8. Plans, pricing and payment

8.1 Free plan

There's a free plan, and it stays free. It has usage limits, which we publish on our pricing page and which we may adjust from time to time as the product changes. Where a change would reduce what your free account can do, we'll tell you before it takes effect.

8.2 Paid plans

Premium is billed monthly. Premium Plus is billed annually. Current prices are on the pricing page and vary by country.

8.3 Where you pay, and who handles it

• Subscriptions bought in the iOS app are processed by Apple and governed by your agreement with Apple. Cancellations, refunds and payment method changes are handled in your Apple ID settings.
• Subscriptions bought in the Android app are processed by Google and governed by your agreement with Google. Cancellations and refunds are handled through Google Play.
• Subscriptions bought on our website, where available, are processed by our payment provider, and we handle cancellations and refunds directly.

We never see or store your full card details.

8.4 Auto-renewal

Paid plans renew automatically at the end of each billing period at the then-current price, until you cancel. Cancel any time before the renewal date and you keep access until the end of the period you've paid for. Cancel through whichever route you subscribed by (8.3).

8.5 Price changes

We may change prices. If a change affects your existing subscription, we'll give you at least 30 days' notice by email before it applies to a renewal, so you can cancel if you'd rather not continue. Continuing past the renewal date means you accept the new price.

8.6 Tax

Prices may exclude VAT or other applicable taxes, which will be added where required. Where Apple or Google collects and remits tax on our behalf, their treatment applies.

8.7 Refunds

Refunds are dealt with in the Refund Policy. Where you bought through Apple or Google, their refund process applies and takes precedence — we can't process a refund for a payment we didn't receive directly.

Nothing here limits any non-waivable statutory right you have as a consumer, including any right of withdrawal or cancellation under the law where you live.

9. Payment links and getting paid

Payment links let you share a link so a customer can pay you. The payment itself is processed by a third-party provider — PayPal, Paddle, Paystack, Opay or Monnify — under that provider's own terms with you or your customer.

To be clear about what we do and don't do:

• We are not a party to the transaction between you and your customer. That contract is yours.
• We don't hold your money. Funds move between the provider and your account with them, not through us.
• We're not responsible for a payment that fails, is delayed, is declined, is reversed or is charged back, or for a provider's fees, holds, limits or account decisions.
• Disputes about a sale — refunds, chargebacks, quality, delivery — are between you and your customer, subject to the provider's rules.
• Providers may require identity verification, and may refuse or suspend service. That's their call, not ours.

You're responsible for having a valid account with any provider you use, and for meeting its terms.

10. Point of sale, inventory and records

POS and inventory features are tools for running and recording your own operation. Stock levels update automatically only for products where you've switched Track on when adding the product; otherwise you're managing stock manually.

You're responsible for the accuracy of your records, and for keeping whatever books and records the law requires you to keep. Don't rely on Billing Plus as your only copy of anything you're legally obliged to retain — export regularly.

11. AI features

Some features use artificial intelligence: reading a photographed receipt to fill in an expense, and suggesting an expense category. The Privacy Policy explains what data is involved and where it goes.

AI output is a suggestion, not a fact. A scanned total, a read date, a suggested category — any of it can be wrong. Check it before you rely on it, file it, or send it to anyone. Once you save or send a document, it's your record and your responsibility, regardless of whether AI helped produce it.

We don't warrant that AI features will be accurate, complete or available, and we're not liable for decisions you make based on their output. We may change, limit or withdraw these features.

12. Third-party services

The App works with services we don't control — Apple and Google sign-in and billing, payment providers, WhatsApp and email delivery, and others. Your use of those services is governed by their terms. We're not responsible for them, and their availability isn't something we can guarantee.

13. Availability and changes to the service

We work hard to keep Billing Plus running, but we don't promise uninterrupted or error-free service. There will be maintenance, and occasionally there will be outages.

We may add, change or remove features. Where a change materially reduces core functionality you're paying for, we'll give you reasonable notice and you may cancel.

Features labelled beta, preview or early access are provided as-is and may change or disappear.

14. Suspension and termination

By you. Close your account any time from the App's settings, or by emailing [email protected]. Cancelling a paid plan stops future charges; deleting your account removes your data as described in the Privacy Policy.

By us. We may suspend or terminate your access:

• immediately, if you materially breach these Terms, use the App unlawfully, or create risk for us, other users or third parties
• on 30 days' notice, for any other reason, including if we discontinue the service

Where we terminate without cause, we'll refund the unused portion of any prepaid period.

Getting your data out. Except where the law or a serious breach prevents it, we'll give you at least 30 days after termination to export your records before deletion. Given that invoices and receipts often have to be retained for tax purposes, export them promptly.

15. Our intellectual property

Billing Plus, its software, design, logos, wordmark and content are ours or our licensors'. These Terms give you a limited, non-exclusive, non-transferable, revocable right to use the App for your own business purposes. Nothing more transfers to you.

Don't use our name, logo or brand without written permission.

Feedback. If you send us ideas or suggestions, we can use them freely, without obligation or payment to you. Don't send us anything you consider confidential.

16. Disclaimers

The App is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the service will be uninterrupted, secure, error-free, or that data will be accurate or preserved without loss.

Nothing in these Terms excludes liability that can't lawfully be excluded — including for death or personal injury caused by negligence, for fraud, or for non-waivable consumer rights.

17. Limitation of liability

To the fullest extent the law allows:

• We're not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost business, lost goodwill, or loss or corruption of data, however caused.
• Our total liability for all claims arising out of or relating to the App in any 12-month period is limited to the greater of the amount you paid us for the App in the 12 months before the claim arose, or US$100.

These limits apply even if a remedy fails of its essential purpose, and apply to the fullest extent permitted where you live.

18. Indemnity

You agree to indemnify us against claims, losses and reasonable costs arising from your use of the App in breach of these Terms or the law, from the content of documents you create, or from a dispute between you and one of your customers.

19. Governing law and disputes

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict of law rules.

Business users. Any dispute that can't be resolved amicably through negotiation within 30 days shall be settled by arbitration at the Lagos Court of Arbitration before a single arbitrator, under the Arbitration and Mediation Act 2023. If the parties can't agree an arbitrator within 10 days, either may apply to the LCA to appoint one. Proceedings take place in Lagos, in English. The arbitrator will be asked to render a reasoned award in writing within 90 days. Each party bears its own costs; the arbitrator's fees are split equally. The award is final and binding.

Consumers. If you use Billing Plus as a consumer rather than for a business, nothing above deprives you of the protection of mandatory laws where you live, or of your right to bring proceedings in your local courts where that right can't be waived.

Either party may seek urgent injunctive relief from a court to protect intellectual property or confidential information.

20. General

Changes to these Terms. We may update these Terms. For material changes we'll give notice by email or in the App at least 14 days before they take effect. Continuing to use the App after that means you accept them. If you don't, close your account.

Notices. We'll contact you at the email on your account. Contact us at [email protected].

Assignment. You can't transfer your rights under these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets.

Severability. If part of these Terms is unenforceable, the rest stands.

No waiver. If we don't enforce a right, we haven't given it up.

Entire agreement. These Terms, the Privacy Policy and the Refund Policy are the whole agreement between us about the App.

Language. These Terms are published in English and translated for convenience. Where a translation differs, the English version governs.

21. Apple App Store — additional terms

These apply if you got the App from the Apple App Store:

• This agreement is between you and Carburant Technologies Limited only, not Apple. Apple isn't responsible for the App or its content.
• Your licence to use the App on Apple devices is as set out in Apple's Usage Rules, and is limited to devices you own or control.
• Apple has no obligation to provide maintenance or support for the App.
• If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price. Apple has no other warranty obligation, and any other claims are our responsibility.
• We, not Apple, are responsible for addressing claims relating to the App, including product liability, legal or regulatory non-compliance, and consumer protection claims.
• We, not Apple, are responsible for investigating and resolving any third-party claim that the App infringes intellectual property rights.
• You confirm you're not located in a country subject to a US Government embargo or designated as terrorist-supporting, and aren't on any US Government restricted-parties list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

22. Contact

Carburant Technologies Limited
Billing Plus
Warri, Delta State, Nigeria
[email protected]