Terms and Conditions

01About these terms

These terms are an agreement between TABWORTHY, a business registered in Ghana under number BN923010726 ("Tabworthy", "we", "us"), and the business that creates a Tabworthy account ("you"). They also apply to everyone you allow to use your account.

By creating an account, or by using a device someone else has set up for your business, you agree to these terms and to our Privacy Policy, which explains how we handle information.

02Your account

You must be 18 or older and able to enter into a contract where you do business. If you open an account for a business, you confirm that you have the authority to accept these terms on its behalf. The person who opens the account is its owner and is responsible for it.

Please give us accurate information and keep it up to date. Your email address is how you recover your account, and your country sets the currency your business trades in.

03Staff, PINs and devices

You can add staff, give them roles and assign them to branches. You are responsible for everything done on your account and your devices, whoever was using them.

• Keep your password private. A till PIN does not replace a password.
• Give each person only the access they need. For example, cashiers cannot see the business's takings unless you choose to give them that access.
• When someone leaves, deactivate them. If a device is lost, sign it out. Both can be done in the app.
• Tell us straight away if you think someone has accessed your account without permission.

04What Tabworthy is

Tabworthy is a point-of-sale app. It records what you sell and how you were paid, tracks your stock and keeps your customer records. It works offline and syncs when a connection is available.

Tabworthy is not an accounting, tax or legal service. Its reports are based on what is entered in the app and are only as accurate as that information. You remain responsible for your accounts, tax returns and regulatory filings, and you should keep your own copy of your records.

05Your data

Your business's records belong to you. You give us permission to store, copy, process and display them as needed to provide, support, secure and improve Tabworthy, as described in ourPrivacy Policy. That includes the limited information our team can see to support you and run the service, listed in section 7 of the Privacy Policy, and combining figures from many businesses into totals that do not identify any business or person.

We do not sell your data, use it for advertising, or share your figures with any other business. This permission ends when your account is deleted, except for records we must keep by law and totals that identify no one.

You can export all your records as CSV files at any time from inside the app, without asking us.

06Personal information you record

When you record details about your customers or staff, you decide what to record and why, so you are responsible for that information under data protection law. That means having a good reason to keep it, telling people what you keep, and meeting your own obligations under Ghana's Data Protection Act, 2012 (Act 843) or any other law that applies to you, including registering with the Data Protection Commission where required.

We hold that information on your behalf. When we do, we will:

• use it only to provide Tabworthy to you, following your instructions through the app;
• make sure everyone at Tabworthy who can access it is bound to keep it confidential;
• protect it with the security measures described in our Privacy Policy;
• use only the service providers listed in our Privacy Policy, and update that list before we add a new one;
• help you respond when a customer or member of staff asks about their information;
• tell you promptly if a security incident affects it;
• delete it when you delete it, or when your account is closed, except where the law requires us to keep it.

07Payments and payouts

Mobile money and card payments taken through Tabworthy, and payments for plans, are processed by Paystack, a licensed payment provider. If you use these features, you also agree to Paystack's terms. Paystack may ask for information to verify you or your business before it processes payments for you.

• Settlement. Money from your sales is paid into the bank or mobile money account you choose, on Paystack's schedule. The payout information Tabworthy shows is what Paystack reports to us.
• Your payout account. Please check the account details you give us. We cannot recover money that has been paid into the account you chose.
• Refunds and disputes with your customers are between you and them. We will give you any records we hold that help resolve them.
• Suspected fraud. We or Paystack may delay or refuse a payment or payout that appears fraudulent or unlawful.

08Plans and fees

Plans

Tabworthy has a free plan and paid plans. The current prices and what each plan includes are on our pricing page. Paid plans are paid in advance for a month, three months or a year. You can pay by mobile money, or choose to have a percentage of your mobile money sales (between 1% and 50%, as you choose) put toward your next term until it is paid.

When the time you have paid for runs out, you have one week's grace. After that your business moves to the free plan. Your records stay, but paid-plan features stop until you pay for another term. Time already paid for is not refunded if you stop early, except where the law requires it.

Payment fees

On each mobile money or card payment you take through Tabworthy, we charge a platform fee of 1% of the payment, rounded down to the nearest pesewa. Paystack also charges its own fee. In your payment settings you choose whether your customer or your business pays that fee. The app shows the fees and the amount you will receive before you take each payment, and again on the payment record.

Cash sales and payments you record without processing them through Tabworthy carry no fee.

Changes to prices

We will tell you at least 30 days before we change a plan price or a fee. Time you have already paid for keeps its price.

09Acceptable use

You must not use Tabworthy to:

• break the law where you do business, or sell anything you are not allowed to sell;
• launder money, or take payments for another business as if they were your own;
• access an account that is not yours, or attack, probe or overload the service;
• resell Tabworthy, copy or reverse-engineer it, or run it as a service for businesses that are not yours.

If you do, we may suspend your account. Where the harm is serious, we may do so without notice.

10Changes and availability

The app is designed to keep working without an internet connection, but syncing, payments and backups depend on services we do not control, and we cannot promise they will always be available.

We provide Tabworthy as is. We do not promise that it will be uninterrupted or free of errors, and we may change or remove features. We will tell you before a significant change takes effect.

11Suspension and closing your account

You can stop using Tabworthy at any time. Deleting your account in the app ends this agreement and deletes your business's records, as described in section 12 of thePrivacy Policy. Please export anything you want to keep first, because we cannot recover it afterwards.

We may suspend or close your account if you break section 9, if we suspect fraud, or if the law or our payment provider requires us to. In any other case, we will give you at least 30 days' notice and the chance to export your records.

Fees you owe, and sections 5, 6, 12 and 13 of these terms, continue to apply after the agreement ends.

12Liability

Nothing in these terms limits liability that cannot be limited by law, including liability for death or personal injury caused by negligence, or for fraud.

Otherwise, we are not liable for lost profits, lost sales, lost goodwill, or the loss of data you could have exported. Our total liability for any claim is limited to the amount you paid us in the twelve months before the claim arose, including plan payments and platform fees.

You agree to cover our reasonable costs if a claim is brought against us because of how you used Tabworthy, the information you recorded in it, or your breach of these terms or the law.

13Law, changes and contact

These terms are governed by the laws of the Republic of Ghana, and the courts of Ghana have jurisdiction over any dispute.

If we make an important change to these terms, we will tell you in the app or by email before it takes effect. If you keep using Tabworthy after that, you accept the new terms. If you do not accept them, you can close your account and export your records at any time.

For questions, email hello@tabworthy.app, message us on WhatsApp at +233 59 240 2005, or write to TABWORTHY, P.O. Box 22, Accra, Ghana.