Terms and Conditions

1. Acceptance of Terms

By creating an account or using Censiq ("Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Service. Censiq is operated by the site owner ("we", "us", "our").

2. Eligibility

To use Censiq, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under applicable laws
• Use the Service for legitimate business purposes only

By using the Service, you represent and warrant that you meet all eligibility requirements.

3. Description of Service

Censiq is a web application and billing hub that allows users to create, save, and manage invoices, milestone payments, and client information. The Service automatically applies regional pricing based on location. Premium subscribers may also access advanced features including sending invoices directly to clients via WhatsApp, Telegram, and standard email.

4. User Accounts

To use certain features, you must create an account. You agree to:

• Provide accurate and complete information during registration
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use
• Use only one account per person and understand account sharing is not permitted
• Not transfer or sell your account to another person

We reserve the right to suspend or terminate accounts that we believe are being shared, have been compromised, or are being used fraudulently.

5. Messaging and Communication Features

Censiq allows Premium users to send invoices and reminders to their clients via WhatsApp, Telegram, and email. These messages are routed through our official API integrations on your behalf. By using this feature, you acknowledge and agree that:

• You are solely responsible for all content, messages, and communications sent to your clients through our Service
• You will only send messages to recipients who have a legitimate business relationship with you and have explicitly consented to receive communications from you
• You will not use the messaging features to send spam, unsolicited messages, or any content that is illegal, harassing, defamatory, or otherwise objectionable
• You will comply with all applicable laws and regulations regarding electronic communications and spam prevention
• You indemnify and hold us harmless from any claims, damages, or legal action arising from your use of the messaging features
• We reserve the right to suspend or terminate your access to the messaging features if we believe you are misusing them or violating Meta or Telegram policies
• We act solely as a technical service provider for message delivery. We do not monitor, review, or approve the content of invoices you send. The relationship between you and your clients remains solely between you and them.

6. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Create fraudulent invoices or misrepresent your identity or business
• Attempt to gain unauthorized access to our systems or other users accounts
• Interfere with or disrupt the Service or servers
• Upload malicious code, viruses, or harmful content
• Use the Service to harass, abuse, or harm others
• Resell or redistribute the Service without permission
• Use automated scripts, bots, scrapers, or other automated means to access the Service
• Attempt to reverse engineer, decompile, or extract source code from the Service
• Circumvent any access controls, rate limits, or security measures
• Use the Service to compete with Censiq or build a similar product

7. Invoice Accuracy and Tax Responsibility

• You are solely responsible for the accuracy, completeness, and legality of all invoices you create
• You are responsible for complying with all tax laws and regulations in your jurisdiction, including collecting and remitting any applicable taxes
• Censiq does not provide tax, legal, or financial advice
• We do not verify the accuracy of invoice amounts, tax calculations, or business information you enter
• You should consult with a qualified accountant or tax professional regarding your invoicing and tax obligations
• We are not liable for any errors, omissions, or legal issues arising from invoices you create

8. Subscriptions and Payments

8.1 Subscription Plans

Censiq offers the following plans:

• Free Plan: Access to standard invoice creation, email delivery, and unlimited manual WhatsApp sharing through pre-filled links. No payment required.
• Premium Plan: Paid monthly subscription unlocking higher usage limits, SMS delivery, reporting, and other advanced features.

8.2 Billing and Payment

• Premium subscriptions are billed monthly in advance on a recurring basis
• All payments are processed securely through our payment processors. We do not store your full credit card details
• By subscribing, you authorise us to charge your payment method on a recurring monthly basis until you cancel
• Prices are billed in your local currency or US Dollars based on your location and selected plan
• You are responsible for providing accurate and current payment information

8.3 Price Changes

We reserve the right to change subscription prices at any time. If we increase prices, we will notify you at least 30 days in advance via email. The new price will apply from your next billing cycle after the notice period. If you do not agree to the price change, you may cancel your subscription before the new price takes effect.

8.4 Cancellation

• You may cancel your Premium subscription at any time from your dashboard
• Upon cancellation, your Premium features will remain active until the end of your current billing period
• After your subscription ends, your account will revert to the Free plan automatically
• You will lose access to WhatsApp and other advanced features upon reverting to the Free plan

8.5 Refund Policy

• All subscription fees are not refundable
• We do not provide refunds or credits for partial months, unused features, or periods where you did not use the Service
• If you cancel, you will not receive a refund for any remaining time in your billing period
• In exceptional circumstances we may issue refunds strictly at our sole discretion

8.6 Failed Payments

• If a payment fails, our payment processor will retry the charge automatically
• If payment cannot be collected after reasonable attempts, we will automatically downgrade your account to the Free plan
• You remain responsible for any uncollected amounts

9. Service Availability

• We aim to provide reliable access to the Service, but we do not guarantee total continuous uptime
• The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control
• We are not liable for any loss or damage resulting from Service interruptions or downtime
• Scheduled maintenance will be announced in advance where possible

10. User Content and Data

You retain ownership of all content you create using the Service. By using the Service, you grant us a limited license to store and process your data as necessary to provide the Service. You are responsible for maintaining backups of your important data. While we take reasonable measures to protect your data, we are not liable for data loss.

Data Export

You may download your invoices as PDF files at any time. Upon account deletion or subscription cancellation, you should export any data you wish to keep before your access is limited or removed.For premium users, you can download/export your invoices data as CSV for accounting or record keeping purposes.

11. Third Party Services

Censiq integrates with and relies on third party services to operate:

• Payment Processors: For secure payment processing and subscription management
• Meta and Twilio: Meta for manual WhatsApp handoff links and Twilio for SMS delivery
• Telegram: For delivering bot notifications
• Hosting Providers: For storing and serving the application

We are not responsible for the availability, security, or practices of third party services. Third party services have their own terms and privacy policies which you should review.

12. Intellectual Property

The Service, including its design, features, and content, is owned by us and protected by intellectual property laws. You may not copy, modify, or distribute any part of the Service without explicit permission.

13. Disclaimer of Warranties

The service is provided as is and as available without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non infringement
• Warranties that the service will be uninterrupted, timely, secure, or error free
• Warranties regarding the accuracy, reliability, or completeness of any content
• Warranties that defects will be corrected
• Warranties that the service or servers are free of viruses or harmful components
• Warranties regarding the security or preservation of your data

We do not warrant that invoices created using the Service will be legally compliant, or suitable for your purposes. You use the Service at your own risk.

14. Limitation of Liability

To the maximum extent permitted by applicable law:

• We shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, revenue, data, goodwill, or business opportunities
• We shall not be liable for any loss or corruption of data, regardless of cause
• We shall not be liable for any damages arising from service interruptions, account termination, or deletion of your content
• We shall not be liable for any damages resulting from unauthorised access to or alteration of your data
• We shall not be liable for any actions or omissions of third parties, including payment processors or hosting providers

15. Indemnification

You agree to indemnify and hold harmless Censiq and its operators from any claims, damages, losses, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third party rights.

16. Termination and Account Deletion

Termination by You

• You may cancel your subscription at any time from your Account page
• You may request deletion of your account by contacting our support team

Termination by Us

We reserve the right to suspend, restrict, or permanently terminate your account and delete all associated data at any time, for any reason or no reason, with or without notice, at our sole discretion. This includes but is not limited to:

• Violation of these Terms or any applicable laws
• Suspected fraudulent, abusive, or illegal activity
• Non payment or payment disputes
• Extended periods of account inactivity
• Requests from law enforcement or government agencies
• Any conduct that we determine to be harmful to other users, third parties, or our business interests

Data Deletion and Loss

Upon account termination, we may immediately and permanently delete all data associated with your account, including invoices, client information, and reports. We are under no obligation to retain, store, or provide copies of your data after termination. Data deletion is permanent and irreversible.

17. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by posting a notice on the Service or by email. Continued use of the Service after changes constitutes acceptance of the new Terms.

18. Payment Disputes and Chargebacks

If you have a billing issue or believe you have been charged in error, please contact our support team before initiating a dispute with your bank or card provider.

• We will work with you in good faith to resolve legitimate billing concerns
• Filing a chargeback or payment dispute without first contacting us may result in immediate suspension of your account
• We reserve the right to dispute any chargeback we believe to be fraudulent or unjustified
• Repeated or fraudulent chargebacks will result in permanent account termination and potential legal action

19. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Nigeria. Before initiating legal proceedings, you agree to attempt to resolve any dispute informally by contacting us.

20. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Censiq regarding the Service and supersede all prior agreements and understandings.
• Severability: If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
• No Waiver: Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
• Assignment: You may not assign or transfer your rights under these Terms without our prior written consent.
• Force Majeure: We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control.