Terms of Service

1. Acceptance of Terms

By accessing or using Jihami Na Records ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

1.1 Eligibility

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

1.2 Business Use

Our Service is designed for business use. You represent that you are using the Service for legitimate business purposes and have the authority to bind your business to these Terms.

2. Description of Service

Jihami Na Records is a business finance management application that provides:

• Transaction tracking and management
• Financial reporting and analytics
• Employee management and access control
• M-Pesa integration for automatic transaction detection
• Cloud synchronization and backup
• PDF report generation and sharing

3. User Accounts and Registration

3.1 Account Creation

To use certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding the password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Account Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

4. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Upload or transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems
• Use the Service for illegal or fraudulent activities
• Interfere with or disrupt the Service
• Reverse engineer, decompile, or disassemble the app
• Use the Service for money laundering or terrorist financing

5. Subscription and Payment Terms

5.1 Free Trial

We offer a 30-day free trial period. After the trial period, you may be required to subscribe to continue using premium features.

5.2 Subscription Plans

Subscription plans and pricing are subject to change. We will provide reasonable notice of any price changes.

5.3 Payment Processing

Payments are processed through secure third-party payment processors. You agree to pay all fees associated with your subscription.

5.4 Cancellation

You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period.

6. Data and Privacy

6.1 Data Ownership

You retain ownership of all data you upload to the Service. We do not claim ownership of your business data.

6.2 Data Processing

We process your data in accordance with our Privacy Policy and the Kenyan Data Protection Act 2019.

6.3 Data Backup

While we implement backup procedures, you are responsible for maintaining your own backups of important data.

7. Intellectual Property Rights

7.1 Our Rights

The Service and its original content, features, and functionality are owned by Jihami Na Records and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7.2 Your Rights

You retain ownership of any content you submit to the Service. By submitting content, you grant us a license to use, modify, and display such content in connection with providing the Service.

7.3 License to Use

We grant you a limited, non-exclusive, non-transferable license to use the Service for your business purposes in accordance with these Terms.

8. Disclaimers and Limitations

8.1 Service Availability

The Service is provided "as is" and "as available." We do not guarantee that the Service will be uninterrupted or error-free.

8.2 Financial Advice

Our Service provides tools for financial management but does not constitute financial advice. You should consult with qualified financial professionals for specific advice.

8.3 Limitation of Liability

To the maximum extent permitted by law, Jihami Na Records shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.

8.4 Maximum Liability

Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Jihami Na Records, its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Service

10. Third-Party Services

Our Service may integrate with third-party services such as:

• M-Pesa for payment processing
• Cloud storage providers
• Analytics services
• Payment gateways

Your use of third-party services is subject to their respective terms of service and privacy policies.

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in the app.

11.2 Termination by Us

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

11.3 Effect of Termination

Upon termination, your right to use the Service will cease immediately. We may delete your account and data in accordance with our data retention policies.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law provisions.

12.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through:

1. Good faith negotiations between the parties
2. Mediation in Nairobi, Kenya
3. Arbitration in accordance with Kenyan law

12.3 Jurisdiction

You agree to submit to the exclusive jurisdiction of the courts of Kenya for any legal proceedings.

13. Compliance with Kenyan Laws

You agree to comply with all applicable Kenyan laws and regulations, including but not limited to:

• Data Protection Act 2019
• Tax laws and regulations
• Anti-money laundering laws
• Consumer protection laws
• Electronic transactions laws

14. Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to:

• Natural disasters
• Government actions
• Internet or telecommunications failures
• Acts of terrorism or war

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on our website
• Sending email notifications to registered users
• Displaying in-app notifications

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Jihami Na Records regarding the use of the Service.

18. Contact Information

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