Terms of Service

1. The Parties

These Terms of Service ("Terms") form a binding agreement between you ("User", "you") and Ollorix Limited (RC No. 9700341), a company incorporated in Nigeria ("Ollorix", "we", "us").

Contact: support@ollorix.com

2. Service Description

Ollorix is an AI-powered bookkeeping platform designed for Nigerian small and medium enterprises. The service currently includes:

• A WhatsApp bot and Telegram bot that automatically records business transactions from natural-language messages
• A web dashboard providing financial reports including Profit & Loss, Balance Sheet, Trial Balance, General Ledger, debtors, creditors, and inventory
• AI-assisted transaction categorisation and double-entry accounting entry creation

Additional features including invoicing, bank integration, and automated reminders are under development and will be made available to users when ready.

We reserve the right to modify, suspend, or discontinue any part of the service at any time with reasonable notice.

3. Account and Access

To use Ollorix, you must:

• Be at least 18 years of age
• Provide accurate information when setting up your account
• Be authorised to conduct business operations on behalf of any business you register
• Keep your access credentials secure and not share them with unauthorised persons

You are responsible for all activity that occurs under your account. Notify us immediately at support@ollorix.com if you suspect unauthorised access.

4. Acceptable Use

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

• Record transactions that represent illegal activity (money laundering, fraud, tax evasion)
• Attempt to reverse-engineer, decompile, or exploit the service
• Use automated bots or scripts to interact with the service beyond normal use
• Impersonate another person or business entity
• Interfere with or disrupt the service or servers
• Use the service to store or transmit malicious code
• Attempt to gain unauthorised access to other users' data
• Re-sell or sub-license the service without written permission from Ollorix

We reserve the right to suspend or terminate accounts that violate these terms without prior notice.

5. Financial Data Disclaimer

Specifically:

• Ollorix does not provide financial advice, tax advice, legal advice, or investment recommendations
• Financial reports generated by Ollorix are based solely on the data you provide. The accuracy of reports depends entirely on the accuracy and completeness of transactions you record
• AI-generated transaction categorisations are suggestions and may occasionally be incorrect. You are responsible for reviewing and verifying your records
• Ollorix's reports are not a substitute for professionally prepared financial statements for statutory purposes, bank lending, or audits
• Tax obligations in Nigeria (VAT, CIT, WHT, etc.) must be assessed by a qualified tax professional. Do not rely on Ollorix reports as your sole basis for filing tax returns

For statutory compliance, external audits, or significant financial decisions, you should engage a qualified accountant or financial professional registered with the Institute of Chartered Accountants of Nigeria (ICAN) or the Association of National Accountants of Nigeria (ANAN).

6. Intellectual Property

All intellectual property in the Ollorix platform, including software, AI models, designs, trademarks, and content, is owned by or licensed to Ollorix Limited.

You retain ownership of all business data you input into the service. By using the service, you grant Ollorix a limited licence to process your data solely for the purpose of providing the service to you.

You may not copy, reproduce, distribute, or create derivative works from any part of the Ollorix platform without our written consent.

7. Data and Privacy

Our collection and use of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using Ollorix, you consent to the data practices described in that policy.

8. Third-Party Services

Ollorix integrates with third-party platforms including WhatsApp (Meta), Telegram, Groq AI, Google Gemini, Vercel, and Supabase. Your use of these platforms is subject to their own terms of service. Ollorix is not responsible for the availability or behaviour of third-party services.

9. Service Availability

We aim to provide a reliable service but cannot guarantee 100% uptime. The service is provided on an "as is" and "as available" basis. We may perform maintenance, updates, or experience downtime outside our control.

We will make reasonable efforts to notify you of planned maintenance in advance via the bot.

10. Fees and Payment

Ollorix may offer both free and paid subscription tiers. Pricing, billing terms, and payment methods for paid plans will be communicated separately at the time of subscription.

All fees are quoted in Nigerian Naira (NGN) and are exclusive of applicable taxes unless stated otherwise. You are responsible for any taxes applicable to your use of the service.

Ollorix reserves the right to modify pricing with 30 days' notice. Continued use after the notice period constitutes acceptance of the new pricing.

11. Limitation of Liability

To the fullest extent permitted by Nigerian law:

• Ollorix's total liability to you for any claim arising from use of the service shall not exceed the total fees paid by you in the 12 months preceding the claim
• Ollorix shall not be liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, loss of business, or financial loss arising from errors in AI-generated records
• Ollorix shall not be liable for losses resulting from inaccurate data you entered, third-party service failures, or events beyond our reasonable control
• Ollorix shall not be liable for any financial decisions you make based on reports generated by the service

Nothing in these Terms limits liability for fraud, gross negligence, or any liability that cannot be excluded by law.

12. Indemnification

You agree to indemnify and hold harmless Ollorix Limited, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms
• Your use of the service in a manner not authorised by these Terms
• Any false or inaccurate information you provided
• Your violation of any third-party rights

13. Termination

Either party may terminate the agreement at any time. You may stop using the service and request account deletion by contacting us at support@ollorix.com.

We may suspend or terminate your access immediately if you violate these Terms, engage in fraudulent activity, or if we are required to do so by law.

On termination, your data will be retained for the period required by law (see our Privacy Policy) and then deleted.

14. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Any dispute arising from or in connection with these Terms shall first be subject to good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be referred to arbitration under the Arbitration and Conciliation Act (Cap A18, LFN 2004), with arbitration seated in Lagos, Nigeria, conducted in English.

Nothing prevents either party from seeking urgent injunctive relief from a Nigerian court of competent jurisdiction.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via the Ollorix bot with at least 14 days' notice before taking effect. The "Last updated" date at the top of this page reflects the most recent revision.

Continued use of the service after the effective date constitutes your acceptance of the updated Terms.

16. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Ollorix Limited regarding your use of Ollorix and supersede all prior agreements and understandings.

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

17. Contact