Version: 1.0.0

Last updated: April 19, 2026

Effective: April 19, 2026

These Terms govern your use of FinanceGuard. Please read them carefully before creating an account or using the service. If you have questions, contact us at hello@financeguard.ng.

FinanceGuard Terms of Service

Version 1.0.0 Effective Date: 19 April 2026 Operator: Plintar Systems Ltd. (trading as "FinanceGuard"), a company incorporated in the Federal Republic of Nigeria. Registered Address: [Registered Address — to be inserted] Email: hello@financeguard.ng

1. Introduction and Acceptance

1.1. These Terms of Service (the "Terms") form a legally binding agreement between you ("you", "your", or the "User") and Plintar Systems Ltd., trading as "FinanceGuard" ("FinanceGuard", "we", "us", or "our"), governing your access to and use of the FinanceGuard website at https://financeguard.ng (the "Site"), the FinanceGuard web and mobile application (the "App"), and all related features, APIs, content, tools, and services (together, the "Service").

1.2. By creating an account, ticking an acceptance checkbox during registration, clicking a button marked "I agree" (or similar), accessing the Service, or continuing to use the Service after these Terms are published or updated, you agree to be bound by these Terms. If you do not agree, you must not create an account and must stop using the Service immediately.

1.3. These Terms incorporate by reference our Privacy Policy, Cookie Notice, and Acceptable Use Policy, each available on the Site. In the event of a conflict between these Terms and any incorporated policy, these Terms prevail unless the incorporated policy expressly states otherwise.

1.4. You confirm that you have the legal capacity to enter into a binding contract in Nigeria and that all information you provide to us is true, accurate, current, and complete.

1.5. If you are accepting these Terms on behalf of a company, partnership, sole proprietorship, or other legal entity, you represent that you have authority to bind that entity, and references to "you" in these Terms include that entity.

2. Definitions

In these Terms, capitalised terms have the meanings set out below, and other capitalised terms are defined where they first appear.

"Account" — your registered FinanceGuard user account.
"Applicable Law" — any law, regulation, statute, rule, order, or binding regulatory guidance of the Federal Republic of Nigeria or any competent authority within Nigeria, as amended from time to time.
"Content" — any data, information, file, image, PDF, CSV, bank statement, receipt, note, categorisation, transaction record, tax input, comment, text, or other material that you submit, upload, enter, generate, import, or transmit through the Service.
"Fees" — the subscription, usage, and other fees payable for paid plans, as published on the Site and in the App from time to time.
"Free Tier" — the no-cost tier of the Service, made available under the terms described in Section 9.
"Paid Plan" — any subscription tier for which Fees are payable (currently STARTER and BUSINESS; subject to change).
"Personal Data" — has the meaning given in the Nigeria Data Protection Act 2023.
"Service" — as defined in Section 1.1.
"Tax Authority" — the Federal Inland Revenue Service (FIRS), the Nigeria Revenue Service (NRS), any State Internal Revenue Service (SIRS), the Lagos State Internal Revenue Service (LIRS), or any equivalent successor or subordinate body in Nigeria.
"Tax Calculations" — the numerical estimates, summaries, bracket breakdowns, and reports produced by the Service's tax engine.
"User Content" — Content that you or other users submit.

3. About FinanceGuard

3.1. FinanceGuard is a software-as-a-service product designed to help individuals, freelancers, and small and medium enterprises operating in Nigeria track their personal and business finances, record income and expenses, import and classify bank transactions, estimate Nigerian tax liabilities (including Personal Income Tax, Withholding Tax, Capital Gains Tax, Value Added Tax, and Companies Income Tax where applicable), and generate informational reports.

3.2. FinanceGuard is a software tool. It is not a bank, a payment service provider, a licensed tax consultant, a legal adviser, an accountant, a chartered accounting firm, a stockbroker, an insurance provider, a lender, a fund manager, a credit rating agency, or a registered financial adviser.

3.3. FinanceGuard is not regulated by, and is not authorised to act on behalf of, the Central Bank of Nigeria (CBN), the Securities and Exchange Commission (SEC), the Federal Inland Revenue Service (FIRS), the Nigeria Revenue Service (NRS), the Chartered Institute of Taxation of Nigeria (CITN), the Institute of Chartered Accountants of Nigeria (ICAN), or any State Internal Revenue Service.

4. Eligibility

4.1. You may use the Service only if you are:

(a) at least eighteen (18) years of age;
(b) legally capable of entering into binding contracts under Applicable Law;
(c) not subject to any sanctions administered by the United Nations Security Council, the United States Office of Foreign Assets Control (OFAC), the European Union, the United Kingdom, or the Federal Republic of Nigeria;
(d) not located in, or a resident of, any jurisdiction where your use of the Service would violate any Applicable Law; and
(e) not previously suspended, banned, or removed from the Service by us.

4.2. The Service is designed, priced, and registered for users resident in Nigeria. Features such as tax calculations, rent relief computations, bracket thresholds, and currency formatting assume a Nigerian context. The Service is not offered to, and is not intended for, residents of the European Economic Area (EEA), the United Kingdom, or Switzerland. We may apply geographic access restrictions to enforce this. If you create or maintain an Account in breach of this restriction, we may suspend or terminate your Account and delete the associated Content. You access the Service from outside Nigeria at your own risk and remain responsible for compliance with any law that applies to you in your place of residence.

4.3. We reserve the right to refuse registration, to suspend any Account, or to terminate any Account where we reasonably believe an eligibility requirement is not met.

5. Account Registration and Security

5.1. To use most features of the Service, you must register for an Account by providing an email address, a password, and any other information we reasonably require. You agree to provide accurate, current, and complete information and to keep that information updated.

5.2. You are responsible for maintaining the confidentiality of your Account credentials, including your password and any multi-factor authentication tokens. You must not share your credentials with any person, and you are solely responsible for all activity that occurs through your Account, whether or not authorised by you.

5.3. You must notify us immediately at hello@financeguard.ng if you suspect any unauthorised access to or use of your Account, any loss or theft of credentials, or any breach of security.

5.4. We may require you to enable additional security measures, including multi-factor authentication, for certain features or tiers. Where we make such a requirement, refusal to enable the measure may limit your access to the relevant feature.

5.5. You may not:

(a) register more than one Account for the same individual except with our prior written consent;
(b) register an Account using another person's identity, email, or payment details;
(c) sell, transfer, lease, or otherwise dispose of your Account to any third party; or
(d) access the Service through an automated system, scraper, bot, crawler, or similar tool, except for well-behaved search engine indexers of publicly accessible pages.

5.6. Where identity verification (for example NIN, BVN, or document verification) is required for a specific feature or tier, you consent to us collecting, verifying, processing, and, where necessary for fraud prevention or compliance purposes, retaining the relevant identity data in accordance with the Nigeria Data Protection Act 2023 and our Privacy Policy. Identity verification is not currently required at Account registration but may be introduced as new features are released, including but not limited to consultant payouts, KYC-gated tax filings, and integrations with Nigerian identity systems.

6. The Service

6.1. Subject to these Terms, and provided you comply with them, FinanceGuard grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Service for your own personal or internal business use.

6.2. The Service currently includes, but is not limited to, the following features (availability depending on your subscription tier):

(a) manual and bulk entry of income and expense transactions;
(b) multi-account tracking across personal, business, rental, and investment categories;
(c) bank statement import (CSV and PDF) and automatic normalisation;
(d) receipt upload and storage;
(e) tax engine calculations for Personal Income Tax (PIT), Withholding Tax (WHT), Value Added Tax (VAT), Capital Gains Tax (CGT), and Companies Income Tax (CIT) under the Nigeria Tax Act 2025 and prior applicable regimes;
(f) rent relief estimation, bracket breakdown, and similar informational calculators;
(g) dashboards, charts, summary cards, and reports;
(h) notification and reminder emails.

6.3. Features, tiers, pricing, branding, user interface, quotas, and availability may be added, changed, suspended, or discontinued at any time. We will make reasonable efforts to notify you in advance of any material reduction in functionality affecting your Paid Plan, in accordance with Section 27.

6.4. The following features are not currently available and may or may not be released in the future. References to them in our marketing materials, product roadmap, blog, or public communications do not create any contractual obligation, promise, or commitment to deliver them:

(a) the AI Tax Advisor (a conversational interface trained on Nigerian tax law);
(b) the Proactive Insights Engine (automated savings and deadline alerts);
(c) the Consultant Marketplace (discovery, booking, and escrow with verified tax professionals);
(d) direct electronic filing with any Tax Authority;
(e) mobile applications for iOS or Android;
(f) cryptocurrency and digital-asset tax tracking.

Where any of the features listed above is later released, it may be made available on additional terms that supplement these Terms, and your use of that feature will constitute your acceptance of those additional terms.

7. Informational Purpose Only — No Professional Advice

7.1. THIS SECTION IS IMPORTANT. READ IT CAREFULLY.

7.2. FinanceGuard and all Tax Calculations, dashboards, reports, summary cards, notifications, reminders, suggestions, estimates, charts, and other outputs generated by the Service are provided for informational and educational purposes only. They are not:

(a) professional tax advice;
(b) legal advice;
(c) accounting advice;
(d) financial advice;
(e) investment advice;
(f) a recommendation to take or refrain from any action;
(g) a substitute for consultation with a CITN-registered tax practitioner, an ICAN-registered chartered accountant, a licensed legal practitioner, or any other qualified professional;
(h) an official tax return, tax assessment, or tax clearance certificate; or
(i) binding on any Tax Authority.

7.3. You remain solely responsible for your own tax compliance, including:

(a) determining which taxes apply to you;
(b) registering with the correct Tax Authorities;
(c) filing your tax returns by the applicable deadlines;
(d) paying the correct amounts of tax;
(e) maintaining records required under Applicable Law;
(f) responding to queries, audits, assessments, and notices from any Tax Authority; and
(g) consulting a qualified professional where your circumstances are complex, uncertain, or material.

7.4. Tax law changes. Tax Calculations are based on our understanding of Applicable Law at a point in time. Tax statutes, regulations, circulars, practice notes, and judicial interpretations change, sometimes retroactively. We do not guarantee that any Tax Calculation will remain accurate, complete, or aligned with the position of any Tax Authority.

7.5. Calculation limitations. Tax Calculations depend on the Content you submit. If you enter incomplete, inaccurate, mislabelled, or out-of-date information, the Tax Calculations will be incorrect. We do not audit, verify, or reconcile your Content against any external source (including your actual bank records, your employer's payroll records, or any Tax Authority's records), except where we expressly state otherwise in a specific feature.

7.6. No fiduciary or advisory relationship. Nothing in these Terms or in your use of the Service creates any fiduciary, advisory, agency, or professional-client relationship between you and FinanceGuard. We do not owe you any fiduciary duty, advisory duty, duty of care in the provision of advice, or duty of best execution.

7.7. No warranty of tax outcome. We do not represent or warrant that using the Service will reduce your tax liability, increase your refund, prevent penalties, avoid an audit, or produce any particular outcome in a dispute with any Tax Authority.

7.8. You agree that any decision you take on the basis of the Service, including any decision to file or not file a return, to claim or not claim a relief, to pay or withhold an amount, or to dispute or concede an assessment, is your own decision. You will not hold FinanceGuard liable for the consequences of any such decision, except to the extent liability cannot be excluded under Applicable Law.

8. Your Financial Data

8.1. You represent and warrant that:

(a) you have the legal right to submit all Content you upload, enter, or import into the Service;
(b) you have the legal right to submit any bank statement, card statement, or similar document you upload, including where the account is held jointly or where data relates to third parties;
(c) your Content does not infringe any third party's intellectual property, privacy, confidentiality, or other rights; and
(d) your Content does not contain malware, viruses, or other harmful code.

8.2. FinanceGuard does not access your bank accounts directly. We do not connect to any bank via open-banking APIs, screen scraping, or credentials-based access. All transaction data enters the Service because you (or an authorised agent of yours) uploaded, imported, or manually entered it.

8.3. You acknowledge that bank statement parsing, receipt OCR, automatic categorisation, and similar data-extraction features operate on a best-effort basis and may produce errors, omissions, misclassifications, or incorrect date, amount, or currency assignments. You are responsible for reviewing parsed output and correcting errors before relying on it.

8.4. You retain ownership of your Content. See Section 14 for the licence you grant us to process your Content.

9. Subscription Plans and Free Tier

9.1. FinanceGuard is offered on a freemium basis. The following subscription tiers are currently available, subject to the pricing, feature limits, and availability shown on the Site or in the App at the time you subscribe:

FREE — no Fees. Limited features, transaction quotas, and feature caps as published on the Site.
STARTER — a Paid Plan charged at the published monthly rate (currently ₦3,000 per month at the founding rate, subject to change per Section 27).
BUSINESS — a Paid Plan charged at the published monthly rate (currently ₦5,000 per month at the founding rate, subject to change per Section 27).

9.2. We reserve the right to add, remove, rename, reprice, merge, or split tiers; to introduce yearly billing or promotional discounts; to apply feature quotas, rate limits, and fair-use limits; and to restrict the Free Tier or any Paid Plan to particular user segments. Changes to pricing for existing subscribers are governed by Section 27.

9.3. The Free Tier is provided on an "as available" basis and may be modified or discontinued at any time, in whole or in part, with or without notice.

10. Fees, Billing, and Payments

10.1. Currency. All Fees are quoted, billed, and payable in Nigerian Naira (NGN) unless we expressly state otherwise.

10.2. Taxes. Fees are stated exclusive of any applicable VAT, withholding tax, or other transaction tax, unless expressly stated as "VAT inclusive". Where VAT or any other tax is chargeable on the Fees, the amount will be added to your invoice and collected at the time of charge, in accordance with Applicable Law.

10.3. Payment processor. Payments for Paid Plans are processed by Paystack Payments Limited ("Paystack"). By subscribing to a Paid Plan, you authorise us (and Paystack acting on our behalf) to charge your nominated payment method for the applicable Fees. Your use of Paystack is also subject to Paystack's own terms of service and privacy policy. We are not responsible for any act, omission, outage, or fee of Paystack.

10.4. Authorisation. You warrant that any card or payment instrument you use is lawfully yours or that you have express authority from the cardholder to use it. You will keep your payment details current and are responsible for any failed charge resulting from expired, blocked, or insufficient-funds cards.

10.5. No storage of card data. FinanceGuard does not store your full primary account number, CVV, PIN, or other sensitive cardholder data. Card tokenisation and storage are handled by Paystack in accordance with the Payment Card Industry Data Security Standard (PCI DSS).

10.6. Invoice and receipts. On successful payment, we will make an electronic receipt available in your Account. You are responsible for downloading and retaining receipts for your own tax records.

10.7. Failed payments. If a charge fails, we may retry the charge, suspend access to Paid Plan features, or downgrade your Account to the Free Tier, in each case without liability to you. You remain liable for any Fees accrued up to the date of suspension or downgrade.

10.8. Disputes and chargebacks. If you dispute a charge, please contact us first at hello@financeguard.ng so we can attempt to resolve the dispute. Initiating a chargeback without first contacting us may be treated as a breach of these Terms, and we may suspend or terminate your Account and pursue recovery of the disputed amount plus reasonable administrative costs.

11. Auto-Renewal, Downgrades, and Cancellation

11.1. Auto-renewal. Paid Plans renew automatically at the end of each billing cycle (monthly, unless otherwise stated) at the then-current published Fees, until cancelled by you in accordance with this Section. By subscribing, you expressly authorise these recurring charges.

11.2. Cancellation. You may cancel a Paid Plan at any time through your Account's billing settings. Cancellation will take effect at the end of the current paid billing period. You will retain access to Paid Plan features until the end of that period, after which your Account will revert to the Free Tier.

11.3. Downgrades. You may downgrade to a lower Paid Plan or to the Free Tier at any time through your Account. Downgrades take effect at the end of the current billing period. No pro-rata refund is issued for the unused portion of your current billing period.

11.4. Upgrades. You may upgrade to a higher Paid Plan at any time. Upgrades typically take effect immediately, and you will be charged the difference in Fees calculated in accordance with our then-current upgrade-proration policy (or, if no such policy is published, the full new Fee for the next billing cycle).

11.5. Account deletion during a paid period. If you delete your Account while a Paid Plan is active, no refund is owed for the unused portion of the period.

12. Refunds

12.1. General rule: no refunds. Except as expressly set out in this Section, Fees are non-refundable. This includes, without limitation:

(a) the unused portion of any billing period following cancellation, downgrade, suspension, or Account deletion;
(b) Fees paid for features you did not use; and
(c) Fees paid under a promotional, discounted, or trial arrangement.

12.2. Discretionary refunds. We may, at our sole discretion and on a case-by-case basis, issue a partial or full refund where we determine in good faith that a refund is warranted (for example, in the case of a clear and prolonged Service outage materially affecting the user, a duplicate charge, or a billing error caused by us).

12.3. Refunds required by law. Nothing in this Section limits any refund or remedy you are entitled to under non-excludable provisions of Applicable Law, including the Federal Competition and Consumer Protection Act 2019 (FCCPA).

12.4. How to request a refund. Refund requests must be submitted in writing to hello@financeguard.ng within thirty (30) days of the charge in question, stating the charge amount, the date, and the reason for the request.

13. Acceptable Use

13.1. You agree that you will not, and will not permit any other person to:

(a) use the Service in violation of Applicable Law or any applicable third-party rights;
(b) use the Service to commit fraud, money laundering, terrorist financing, tax evasion, bribery, or any other financial crime;
(c) use the Service to falsify records for submission to any Tax Authority, employer, investor, lender, court, or other third party;
(d) upload or transmit Content that is unlawful, defamatory, obscene, harassing, discriminatory, threatening, hateful, or that infringes any intellectual property, privacy, or other rights;
(e) upload or transmit viruses, worms, trojans, logic bombs, or other harmful code;
(f) attempt to gain unauthorised access to the Service, any FinanceGuard system, any other user's Account, or any data not belonging to you;
(g) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service, except to the extent such restriction is prohibited by Applicable Law;
(h) interfere with, disrupt, overload, or impair the Service, including by launching denial-of-service attacks, sending excessive traffic, or exploiting rate limits;
(i) use the Service to build, train, fine-tune, evaluate, or benchmark any competing product, machine-learning model, or dataset;
(j) scrape, harvest, copy, or mirror the Service, its user interface, or its content, except as expressly permitted;
(k) remove, obscure, or alter any proprietary notice, label, or watermark;
(l) resell, relicense, sublicense, or otherwise commercially exploit access to the Service except under a written agreement with us; or
(m) use the Service in any way that could damage, disable, overburden, or impair the Service or interfere with any other user's enjoyment of the Service.

13.2. We reserve the right, but are not obligated, to monitor, investigate, and take action in respect of any suspected breach of this Section, including by removing Content, suspending Accounts, and cooperating with law enforcement or regulatory bodies.

14. User Content and Licence

14.1. You retain all right, title, and interest in and to your Content. We do not claim ownership of your Content.

14.2. Licence to FinanceGuard. To enable us to provide the Service, you grant us a worldwide, royalty-free, non-exclusive, sublicensable (only to our service providers, strictly for the purpose of operating the Service) licence to host, store, copy, transmit, process, parse, display, and otherwise use your Content for the following purposes:

(a) operating, providing, maintaining, improving, and securing the Service;
(b) performing the features you request (for example, parsing an uploaded bank statement, computing a tax estimate, generating a report);
(c) creating backups and ensuring disaster recovery;
(d) complying with Applicable Law and lawful requests from competent authorities;
(e) enforcing these Terms;
(f) producing de-identified, aggregated analytics that do not personally identify you, for internal product improvement, statistical research, and anonymised reporting.

14.3. The licence in Section 14.2 lasts for as long as your Content remains in the Service, and ends when the Content is deleted in accordance with Section 22, except for the de-identified aggregated analytics, which may be retained indefinitely because they no longer identify you.

14.4. We do not sell your Content, and we do not license your identifiable Content to any third party for their own marketing, advertising, or unrelated commercial purposes.

14.5. Feedback. If you voluntarily send us feedback, feature requests, suggestions, or bug reports ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use that Feedback for any purpose without obligation or compensation to you.

15. Intellectual Property

15.1. The Service, including its software, source code, databases, design, user interface, logos, trademarks, trade names, audio, video, graphics, text, documentation, and all other content (other than User Content), is owned by FinanceGuard or its licensors and is protected by Nigerian and international copyright, trademark, and other intellectual property laws.

15.2. Except for the limited licence to use the Service granted in Section 6.1, nothing in these Terms transfers to you any right, title, or interest in the Service or in FinanceGuard's intellectual property.

15.3. "FinanceGuard" and the FinanceGuard logo are trademarks of Plintar Systems Ltd. (subject to final registration, where applicable). You may not use, imitate, or register any confusingly similar mark without our prior written consent.

15.4. If you believe that any material on the Service infringes your copyright, please contact hello@financeguard.ng with: (a) identification of the copyrighted work; (b) identification of the infringing material; (c) your contact details; (d) a statement that you have a good-faith belief that the use is not authorised; and (e) a statement, under penalty of perjury, that the information is accurate and that you are the rights holder or authorised to act on their behalf. We will review and act on valid notices in accordance with Applicable Law.

16. Third-Party Services

16.1. The Service integrates with, depends on, or interoperates with third-party services, including without limitation:

(a) Paystack (payment processing);
(b) cloud hosting providers (for compute, database, object storage, and content delivery);
(c) email delivery providers (for transactional email such as verification, password reset, and notifications);
(d) error-monitoring and telemetry providers (for crash reporting, performance monitoring, and operational analytics);
(e) map, image, and document-processing providers, where used;
(f) identity verification providers (where enabled in future releases).

16.2. Each third-party service has its own terms of service and privacy policy. Your use of any third-party service is subject to those terms. We are not responsible for the acts, omissions, availability, accuracy, security, or privacy practices of any third-party service.

16.3. If a third-party service becomes unavailable, suspends its service, changes its terms, or terminates our account, we may be unable to provide all or part of the Service. We are not liable for any such disruption, except to the extent caused by our own gross negligence or wilful misconduct.

16.4. Links from the Service to external websites are provided for convenience only and do not constitute endorsement. We are not responsible for the content or practices of any linked site.

17. Privacy and Data Protection

17.1. Our collection, use, storage, transfer, and disclosure of Personal Data is described in our Privacy Policy, which forms part of these Terms by reference. Please read it carefully.

17.2. We process Personal Data in accordance with the Nigeria Data Protection Act 2023 (NDPA) and applicable subsidiary legislation and regulatory guidance of the Nigeria Data Protection Commission, including by:

(a) processing Personal Data only on lawful bases;
(b) collecting only Personal Data reasonably necessary for the purposes stated in the Privacy Policy;
(c) implementing technical and organisational measures appropriate to the risks;
(d) notifying the Nigeria Data Protection Commission (NDPC) of any personal-data breach where required; and
(e) honouring data-subject rights, including access, rectification, erasure, objection, restriction, and portability, subject to the exceptions permitted by Applicable Law.

17.3. International transfers. Where Personal Data is transferred outside Nigeria (for example, to a cloud provider hosting data in another region), we will take reasonable steps to ensure an adequate level of protection in accordance with the NDPA.

17.4. You are responsible for ensuring that any Personal Data you upload about other people (for example, transactions referencing third parties, or business contacts in a receipt) has been lawfully obtained and may lawfully be shared with us for the purposes of operating the Service.

18. Security and Breach Notification

18.1. We implement and maintain technical and organisational security measures intended to protect the Service and your Content against unauthorised access, alteration, disclosure, and destruction. These measures include, without limitation, transport encryption, access controls, audit logging, backups, and separation of duties.

18.2. No security measure is perfect. We do not guarantee that the Service, your Account, or your Content will be free from unauthorised access, data loss, corruption, or interception.

18.3. You are responsible for your own security, including choosing a strong password, keeping it confidential, enabling multi-factor authentication where offered, keeping your email account secure, and reporting suspicious activity promptly.

18.4. If we become aware of a personal-data breach that is reasonably likely to result in a risk to your rights and freedoms, we will notify you and, where required, the Nigeria Data Protection Commission and any other competent authority, within the timelines specified by Applicable Law.

19. Beta and Experimental Features

19.1. From time to time, we may make features available on a beta, preview, alpha, early access, or experimental basis ("Beta Features"). Beta Features are identified as such in the Service.

19.2. Beta Features are provided "as is" and "as available", are offered without any warranty or service-level commitment, may be incomplete or unstable, may produce incorrect results, may change, may be withdrawn without notice, and may never be made generally available.

19.3. Your use of any Beta Feature is voluntary and at your sole risk. You acknowledge that financial or tax decisions should not be taken in reliance on Beta Feature output.

19.4. If you provide feedback on a Beta Feature, Section 14.5 applies.

20. Service Availability and Modifications

20.1. We aim, but do not guarantee, to make the Service available 24 hours a day, 7 days a week. The Service may be unavailable due to scheduled maintenance, emergency maintenance, third-party failures, force majeure, or causes beyond our reasonable control.

20.2. We do not commit to any specific service level (such as a stated uptime percentage) unless we expressly agree to one in a separate written service-level agreement.

20.3. We may, at any time and without notice, modify, suspend, or discontinue any feature of the Service, in whole or in part. Where a modification materially reduces a Paid Plan feature on which you rely, Section 27 applies.

21. Suspension and Termination

21.1. Termination by you. You may terminate your Account at any time by using the Account deletion flow in the App or by emailing hello@financeguard.ng. See Section 22 for what happens next.

21.2. Termination by us for convenience. We may terminate or suspend your Account or access to the Service at any time, for any reason, by giving you at least thirty (30) days' written notice (which may be delivered by email to your registered address).

21.3. Termination by us for cause. We may suspend or terminate your Account or access to the Service immediately, without notice, where we reasonably believe that:

(a) you have materially breached these Terms and, where the breach is capable of cure, have failed to cure it within seven (7) days of our written notice;
(b) you have engaged in fraud, abuse, money laundering, terrorist financing, tax evasion, or any other financial crime;
(c) continued provision of the Service to you would expose FinanceGuard or its other users to material legal, regulatory, security, or reputational risk;
(d) a competent authority, court, arbitrator, or regulator has ordered us to suspend or terminate your access;
(e) you are or become subject to Sanctions as described in Section 4.1(c);
(f) you have initiated an unjustified chargeback or payment dispute;
(g) your Account has been inactive for a prolonged period (as determined by our then-current inactivity policy); or
(h) we are ceasing to offer the Service generally.

21.4. Suspension or termination of your Account does not limit any other remedy available to us.

22. Effect of Termination; Data Retention

22.1. On termination of your Account for any reason:

(a) your right to access and use the Service ends immediately (or, in the case of cancellation at end of paid period under Section 11.2, at the end of that period);
(b) any licences granted to you under these Terms immediately terminate;
(c) you remain liable for all Fees accrued up to the date of termination;
(d) any Fees prepaid for future periods are non-refundable, except as required by Applicable Law or as we may agree in our sole discretion.

22.2. Data retention and deletion. Following termination of your Account:

(a) your Content will be retained in a "soft-deleted" state for up to thirty (30) days, during which time you may contact support to request reinstatement (reinstatement is at our discretion and may not be technically possible in all cases);
(b) after the thirty (30) day soft-deletion period, your Content will be permanently deleted from our production systems, subject to paragraph (c);
(c) we may retain some data for longer where retention is required or permitted by Applicable Law, including for tax, accounting, regulatory, dispute resolution, fraud prevention, or security purposes (for example, financial and tax records are commonly retained for six (6) years under Nigerian record-keeping rules);
(d) we may retain de-identified, aggregated analytics indefinitely, as they no longer identify you;
(e) we may retain backups containing your Content for a limited period until they are cycled out in the ordinary course of backup rotation.

22.3. You acknowledge that permanently deleted Content cannot be recovered. Before initiating Account deletion, you should download any Content you wish to keep, including any reports, invoices, and exports.

22.4. Sections that by their nature are intended to survive termination will survive, including without limitation Sections 7, 12, 14, 15, 17, 22, 23, 24, 25, 28, 29, and 30.

23. Disclaimers

23.1. "As is" and "as available". To the fullest extent permitted by Applicable Law, the Service is provided "as is" and "as available", with all faults, and without any warranty of any kind, whether express, implied, statutory, or otherwise.

23.2. No implied warranties. We specifically disclaim all implied warranties, including warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, accuracy, completeness, security, availability, title, and quiet enjoyment, to the extent such disclaimer is permitted by Applicable Law.

23.3. We do not warrant that:

(a) the Service will meet your requirements;
(b) the Service will operate uninterrupted, error-free, secure, or bug-free;
(c) defects will be corrected;
(d) the Service or any server that makes it available is free of viruses or other harmful components;
(e) any Tax Calculation, report, notification, reminder, or output is accurate, complete, reliable, up-to-date, or suitable for any particular purpose;
(f) the Service will produce any particular financial, tax, or commercial result.

23.4. No advice or information, whether oral or written, obtained by you from FinanceGuard or through the Service creates any warranty not expressly stated in these Terms.

23.5. Nothing in this Section excludes or limits any liability that cannot be excluded under Applicable Law, including under the Federal Competition and Consumer Protection Act 2019 where and to the extent it applies to you.

24. Limitation of Liability

24.1. Exclusion of indirect loss. To the fullest extent permitted by Applicable Law, FinanceGuard, its directors, officers, employees, affiliates, agents, suppliers, and licensors will not be liable to you for any:

(a) indirect, incidental, special, consequential, punitive, or exemplary damages;
(b) loss of profits, revenue, goodwill, reputation, business opportunity, or anticipated savings;
(c) loss, corruption, or inaccuracy of data;
(d) loss caused by reliance on any Tax Calculation, report, notification, or other output of the Service;
(e) loss caused by any penalty, interest, surcharge, assessment, reassessment, or additional tax imposed by any Tax Authority;
(f) loss caused by the unavailability, interruption, suspension, or discontinuance of the Service or any Beta Feature;
(g) loss caused by any third-party service, including Paystack or any cloud provider;

whether such liability is based in contract, tort (including negligence), statute, or otherwise, and whether or not we were advised of the possibility of such loss.

24.2. Aggregate cap. Without limiting Section 24.1, and subject to Section 24.3, our total aggregate liability to you, whether in contract, tort (including negligence), under statute, or otherwise, arising out of or in connection with these Terms or your use of the Service, shall not exceed the greater of:

(a) ten thousand Nigerian Naira (₦10,000); and
(b) the total Fees actually paid by you to FinanceGuard for the Service during the twelve (12) months immediately preceding the first event giving rise to the claim.

24.3. Liability that cannot be excluded. Nothing in these Terms excludes or limits:

(a) liability for death or personal injury caused by our negligence;
(b) liability for fraud or fraudulent misrepresentation;
(c) any liability that cannot be excluded or limited under Applicable Law, including under the Federal Competition and Consumer Protection Act 2019 where and to the extent it applies to you.

24.4. Basis of the bargain. The disclaimers and limitations in Sections 23 and 24 reflect a reasonable allocation of risk between you and FinanceGuard. The Free Tier would not be provided, and Paid Plan pricing would be materially higher, without these disclaimers and limitations.

25. Indemnification

25.1. To the fullest extent permitted by Applicable Law, you agree to defend, indemnify, and hold harmless FinanceGuard, Plintar Systems Ltd., and their respective directors, officers, employees, affiliates, agents, suppliers, and licensors from and against any claim, demand, action, proceeding, liability, damage, loss, cost, or expense (including reasonable legal fees) arising out of or in connection with:

(a) your breach of these Terms or any policy incorporated by reference;
(b) your violation of Applicable Law;
(c) your violation of any third-party right, including any intellectual property, privacy, confidentiality, or contractual right;
(d) your Content, including any claim that your Content infringes a third-party right or was obtained unlawfully;
(e) any inaccurate, incomplete, or misleading information you submit to the Service; and
(f) any reliance by you or any third party on any Tax Calculation, report, notification, or other output of the Service.

25.2. We reserve the right, at your expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with our defence. You will not settle any matter without our prior written consent.

26. Force Majeure

26.1. Neither party will be liable for any failure or delay in performance of its obligations (other than payment obligations) caused by events beyond its reasonable control, including acts of God, natural disasters, epidemics, pandemics, civil unrest, war, acts of terrorism, strikes, labour disputes, failures of public utilities, governmental acts or orders, failures of telecommunications or internet infrastructure, failures of third-party service providers, cyberattacks, and network or power outages ("Force Majeure Event").

26.2. A party affected by a Force Majeure Event will notify the other party as soon as reasonably practicable and will use reasonable efforts to mitigate the impact of the Force Majeure Event.

27. Modifications to These Terms

27.1. We may modify these Terms at any time to reflect changes in the Service, Applicable Law, market conditions, or for other reasonable business reasons.

27.2. Notice of changes.

(a) For material changes (for example, changes to fees, cancellation rights, limitation of liability, dispute resolution, or data processing), we will notify you at least thirty (30) days before the changes take effect, by email to your registered address, in-App notice, or a prominent banner on the Site.
(b) For non-material changes (for example, clarifications, typographical corrections, or updates to non-binding references), we may post the revised Terms to the Site without prior individual notice, and the revised Terms take effect on posting.

27.3. Acceptance of changes. Your continued use of the Service after the effective date of the 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 may cancel your Account in accordance with Section 21.1.

27.4. Version history. We maintain a version history of these Terms. The version number, effective date, and last-updated date appear at the top of this document and in our internal database record against your acceptance. On material updates, we may require you to re-accept the updated Terms on next sign-in.

28. Dispute Resolution

28.1. Goal. We want to resolve disputes quickly, cheaply, and amicably. This Section sets out a tiered process that must be followed before any formal proceeding is commenced.

28.2. Step 1: Informal resolution. If you have a dispute with us, you must first contact us at hello@financeguard.ng with a written description of the dispute, the relief sought, and your contact details. We will acknowledge your notice within seven (7) business days and will attempt in good faith to resolve the dispute through direct discussion within thirty (30) days of our acknowledgement.

28.3. Step 2: Mediation. If the dispute is not resolved under Step 1 within thirty (30) days (or such longer period as the parties may agree in writing), either party may refer the dispute to mediation. The mediation will be conducted by a single mediator appointed by agreement between the parties or, failing agreement within fourteen (14) days, by the Lagos Multi-Door Courthouse (or any successor body). The mediation will take place in Lagos, Nigeria. Each party will bear its own costs of mediation, and the mediator's fees will be shared equally.

28.4. Step 3: Arbitration. If the dispute is not resolved through mediation within sixty (60) days of referral to mediation (or such longer period as the parties may agree in writing), the dispute will be finally settled by arbitration under the Arbitration and Mediation Act 2023 and the rules of the Lagos Court of Arbitration (LCA) in force at the time of commencement, which rules are deemed incorporated by reference into this Section. The arbitration will be conducted by one (1) arbitrator, will take place in Lagos, Nigeria, and will be conducted in the English language. The arbitral award will be final and binding on the parties.

28.5. Interim relief. Nothing in this Section prevents either party from seeking urgent interim or injunctive relief from a court of competent jurisdiction before or during arbitration.

28.6. No class actions. To the fullest extent permitted by Applicable Law, you agree that any dispute will be brought on an individual basis only and not as a class, collective, representative, or consolidated action. Nothing in this paragraph limits any right you may have under the Federal Competition and Consumer Protection Act 2019 or other mandatory Applicable Law.

28.7. Limitation period. Any claim you may have arising out of or relating to these Terms or the Service must be commenced within one (1) year after the cause of action arises, or be forever barred, to the fullest extent permitted by Applicable Law.

29. Governing Law and Jurisdiction

29.1. These Terms, and any dispute or claim arising out of or in connection with them, their subject matter, or their formation (including non-contractual disputes or claims), are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

29.2. Subject to Section 28, the courts of Lagos State, Nigeria have exclusive jurisdiction to hear any proceeding (including for interim relief, enforcement of an arbitral award, or matters that are not arbitrable under Applicable Law).

30. General Provisions

30.1. Entire agreement. These Terms, together with the Privacy Policy, Cookie Notice, Acceptable Use Policy, and any feature-specific terms expressly incorporated, constitute the entire agreement between you and FinanceGuard regarding the Service and supersede any prior agreement, understanding, or representation, whether written or oral.

30.2. Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it valid, legal, and enforceable, or, if such modification is not possible, will be severed, and the remaining provisions will continue in full force and effect.

30.3. No waiver. Our failure to enforce any right or provision of these Terms will not be a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of FinanceGuard.

30.4. Assignment. You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or delegate our rights or obligations under these Terms at any time, including to a successor in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of our assets.

30.5. No agency. Nothing in these Terms creates any partnership, joint venture, agency, fiduciary, or employment relationship between you and FinanceGuard.

30.6. Third-party beneficiaries. Except as expressly stated, these Terms do not confer any right on any person other than you and FinanceGuard.

30.7. Notices. Notices to you will be sent to the email address associated with your Account and will be deemed received on the date they are sent. Notices to us must be sent to hello@financeguard.ng and will be deemed received when actually received.

30.8. Language. These Terms are drafted in English. If we provide a translation into any other language, the English version prevails in the event of any inconsistency.

30.9. Headings. Headings are for convenience only and do not affect interpretation.

30.10. Electronic communications. You consent to receiving communications from us electronically, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

31. Contact

If you have any questions, concerns, or notices about these Terms or the Service, please contact us at:

Email: hello@financeguard.ng
Operator: Plintar Systems Ltd. (trading as FinanceGuard)
Registered Address: [Registered Address — to be inserted]