Terms of Service

Version 0.1-draft · Last updated 2026-05-11

These Terms of Service ("Terms") govern your use of SnapTaxly, an AI bookkeeping and tax-compliance assistant for Nigerian freelancers and small businesses ("the Service"). By creating an account or otherwise using the Service, you agree to be bound by these Terms.

This document is a draft for closed-alpha use only. A counsel-reviewed version will replace it before public beta.

1. The Service

SnapTaxly captures transactions (via WhatsApp, bank feeds, statement uploads, and manual entry), categorises them using AI, calculates tax positions for Nigerian obligations (PIT, CIT, WHT, PAYE, VAT), and produces filing-ready documents. SnapTaxly also offers an in-app marketplace for booking ICAN/ANAN-licensed accountants for review of material decisions.

The Service is provided on an as-is basis. Features, pricing, and availability may change during the closed-alpha period.

2. Eligibility

You may use the Service only if:

• You are at least 18 years of age.
• You are a resident of Nigeria or otherwise have Nigerian tax obligations.
• You have the legal capacity to enter into a binding agreement.
• Your use of the Service is permitted under applicable law in your jurisdiction.

3. Accounts

You must provide accurate and complete information when creating an account and keep that information up to date. You are responsible for the activity that occurs under your account and for keeping your credentials secure.

If you sign up with an email you do not control, we may purge the unverified record and allow the legitimate owner to register that email. Verified accounts are never silently purged.

4. Acceptable use

You agree not to:

• Use the Service to violate any law or regulation, including Nigerian tax, anti-money-laundering, or data-protection law.
• Attempt to access another customer's data or interfere with the integrity of the Service.
• Reverse-engineer, scrape, or programmatically extract data from the Service except via documented APIs and within their rate limits.
• Upload malware, attempt denial-of-service, or otherwise abuse the infrastructure.
• Use the Service to send unsolicited commercial communications.
• Resell, sublicense, or repackage the Service without our written consent.

5. AI-generated output and your responsibility

SnapTaxly uses AI to assist with bookkeeping and tax-compliance tasks, including transaction categorisation, anomaly detection, and tax Q&A. AI output may contain errors. You remain solely responsible for:

• The accuracy of the transaction data you supply.
• Reviewing AI-suggested categorisations and corrections before relying on them.
• The accuracy and timely filing of any tax return based on SnapTaxly output.
• Any payment, penalty, or interest that may become payable to a tax authority.

SnapTaxly is not a substitute for professional tax advice. For material decisions you should book an ICAN/ANAN-licensed accountant via the in-app marketplace or consult your own adviser.

6. Pricing during the alpha

The Service is provided free of charge during the closed-alpha period. We reserve the right to introduce paid plans at a later date with reasonable notice.

7. Disclaimer of warranties

To the maximum extent permitted by Nigerian law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, secure, or that any defect will be corrected.

8. Limitation of liability

To the maximum extent permitted by Nigerian law:

• During the closed-alpha period, our total aggregate liability arising out of or relating to the Service is capped at ₦0 — the Service is free and provided without commercial consideration.
• We will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, loss of data, loss of goodwill, or business interruption, whether arising in contract, tort (including negligence), or otherwise.

Nothing in these Terms excludes liability that cannot be excluded under Nigerian law (including liability for death or personal injury caused by negligence, or for fraud).

9. Indemnity

You agree to indemnify and hold SnapTaxly harmless from any claim, loss, or expense arising from your breach of these Terms, your unlawful use of the Service, or your filing decisions made in reliance on SnapTaxly output.

10. Suspension and termination

We may suspend or terminate your access to the Service if you breach these Terms or if continued provision of the Service would expose us or other users to legal or security risk. We will give reasonable notice except where notice is impractical or would defeat the purpose of suspension.

You may terminate at any time from Settings → Account → Delete account. A 30-day grace period applies before your data is permanently purged; see the Privacy Policy.

11. Changes to these Terms

When we publish a new version of these Terms, you will be asked to review and accept the updated version on next sign-in. The current version identifier is shown in the footer. Continued use of the Service after the new version takes effect constitutes acceptance.

12. Governing law and dispute resolution

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws principles. The courts of Lagos State have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms, the Service, or your account.

13. Contact

For questions about these Terms, contact admin@snaptaxly.com.

Version 0.1-draft · Last updated 2026-05-11