Tallova

Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Tallova web application and mobile app (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

Tallova provides bookkeeping and business-management tools, including invoicing, estimates, expenses, bills, banking and mobile-money tracking, payroll, inventory, reporting, and optional AI assistance. We may add, change, or remove features over time.

2. Accounts

• You must provide accurate information and keep your login credentials secure.
• You are responsible for all activity that occurs under your account.
• You must be at least 18 years old and able to form a binding contract.
• One person or business is responsible for each account; you may invite team members, and you remain responsible for their use.

3. Acceptable use

You agree not to misuse the Service. In particular, you will not:

• break the law or infringe others' rights when using the Service;
• attempt to gain unauthorized access to the Service, other accounts, or our systems;
• probe, scan, overload, disrupt, or reverse-engineer the Service;
• upload malware, or use the Service to store or transmit unlawful content;
• use the Service to defraud others or process payments you are not authorized to process.

We may suspend or terminate accounts that violate these Terms or that put the Service or other users at risk.

4. Your data

You retain ownership of the business data you enter. You grant us the limited rights needed to host and operate the Service for you (for example, to store, process, back up, and display your data to you and your team). Our handling of personal data is described in our Privacy Policy.

5. Subscription Agreement, payments and no-refund policy

PLEASE READ BEFORE CREATING AN ACCOUNT OR PURCHASING. Your checkbox is an electronic acceptance of the version displayed. Tallova records the account, user, date/time, IP address and Terms version. It is evidence of electronic acceptance; Tallova does not describe it as a handwritten signature.

5.1 Charges and renewal

Subscription fees are charged in advance for the monthly or annual period displayed at checkout. Unless you cancel renewal, the subscription renews automatically at the then-disclosed price and interval. You authorize Tallova and its processor to charge the selected payment method. Taxes and processor charges may apply where disclosed.

If an introductory or founding-customer offer is available and your organization meets its displayed eligibility, window and capacity rules, checkout shows the unchanged plan list price, the adjusted amount due now, and the renewal amount before you pay. The offer does not alter an existing subscriber's paid period or trial end date. An expired, full, disabled or inapplicable offer is not applied, and complimentary access is granted only through Tallova's separate platform-administration process.

5.2 Easy cancellation and continuing access

You may select Cancel renewal directly on the Tallova billing page without contacting sales or support. Cancellation stops the next recurring charge. It does not terminate the period already purchased: service and licensed access continue until the displayed paid-period end date, after which paid features stop. You may restore renewal before that date. Standard monthly and annual subscriptions have no separate cancellation fee or early-termination fee because cancellation occurs at period end. A separate signed fixed-term enterprise order may state an early-termination charge only if clearly disclosed before that order is accepted and permitted by law.

5.3 Refund policy

Once payment is completed and service access begins, completed subscription and renewal charges are non-refundable and non-prorated as the ordinary commercial rule. Non-use, forgetting to cancel, changed business needs, failure to configure a third-party integration, or unused days do not by themselves create a refund. This rule does not limit a refund, withdrawal right, service remedy or other right that applicable law does not allow the parties to waive.

A customer must first contact Tallova Support with the relevant facts. When support confirms that a payment review is appropriate, Tallova opens a one-use refund-review form on the billing page. Support approval opens the form; it does not promise or process a refund. A request does not itself cancel renewal. Tallova then reviews duplicate charges, unauthorized payments, material non-delivery, verified technical failure and mandatory statutory rights. We may approve a full or partial discretionary refund. Where lawful and shown before the decision, a reasonable administrative processing fee may be deducted from a discretionary refund; no fee is charged merely for submitting or being denied a request, and no fee is deducted from a mandatory statutory refund. Processor fees that a processor does not return may be treated only as applicable law permits.

5.4 Refund decisions and service access

An approved full subscription refund normally ends the access purchased by that payment and revokes related desktop licences. A partial refund may produce a corresponding adjustment specified in the written decision. Refunds return to the original payment method where the processor requires it. Processing time is controlled partly by the payment provider and financial institution.

5.5 Disputes and evidence

Contact support or use the refund-request workflow before initiating a chargeback, unless doing so would interfere with a legal right or an unauthorized-payment report. For a payment dispute, Tallova may submit accurate, relevant evidence to the processor or card network: the accepted Terms version and timestamp, payment and invoice records, login/IP and service-access logs, cancellation history, customer-support correspondence, and the refund decision. Tallova will not fabricate a signature, transcript or activity record. Fraudulent or abusive disputes may result in proportionate account restrictions while investigated.

• Subscription: paid plans (if enabled) are billed in advance and are non-refundable except where required by law. You can stop future charges by cancelling.
• Collecting payments from your customers: when you use the Service to accept payments, those payments are processed by third-party providers (e.g. Paystack, Flutterwave, Stripe) under their own terms. Tallova and the payment processor each retain a fee from collected payments, as disclosed in the app. You are responsible for the accuracy of what you bill and for any taxes you owe.
• You are responsible for any bank, card, or mobile-money charges from your own providers.

6. Payment Services: Subscriber Customer Payments

Tallova is a software platform, not a bank, deposit-taking institution, wallet, or general-purpose custodian of subscriber funds. If you connect a payment provider and use Tallova to create payment links, invoices, checkout pages, or other customer-payment functionality, your customer payment is processed through your connected payment provider/account and is settled according to that provider's terms and procedures. Tallova does not take ownership of the underlying customer payment.

For customer payments processed using Tallova payment functionality, Tallova charges a 5% platform/application fee unless a different rate is expressly displayed or agreed. The payment provider's own processing, dispute, payout, currency-conversion, or other fees are separate. For example, on a $1,000 customer payment, Tallova's platform/application fee is $50; the subscriber's connected payment provider processes and settles the subscriber's funds, subject to applicable provider fees and settlement rules.

The subscriber is responsible for the goods or services sold, customer relationships, refunds, chargebacks, disputes, taxes, lawful use, accurate business information, and compliance with the payment provider's terms. Tallova may restrict or disable payment functionality where required by law, a payment provider, fraud controls, or these Terms.

By connecting a payment provider, you authorize Tallova, where supported by that provider, to facilitate payment links, checkout, invoices, payment requests, and collection of Tallova's platform/application fee. You must also comply with the applicable terms of Stripe, Paystack, Flutterwave, or any other provider you connect. Provider approval, payouts, account availability, and payment acceptance remain subject to the provider.

7. Tallova subscription payments

Payments you make directly to Tallova for a Tallova subscription are separate from customer payments made to your business. Tallova may use third-party payment processors to bill your selected payment method for the subscription plan you choose.

8. Payment data and security

Tallova does not intentionally store raw card numbers, CVV codes, or bank passwords for payment-provider connections. Payment providers and secure financial-data aggregators handle sensitive credentials and payment information according to their own security and privacy requirements.

9. Third-party services

The Service integrates with third parties you choose to connect (payment processors, bank/mobile-money aggregators, AI providers, email). Your use of those services is governed by their terms, and we are not responsible for their acts or omissions.

10. Availability

We work to keep the Service available and reliable, but we provide it "as is" and do not guarantee it will be uninterrupted or error-free. We may perform maintenance or make changes that temporarily affect availability.

11. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including fitness for a particular purpose, merchantability, and non-infringement. Tallova is a software tool and does not provide accounting, tax, legal, or financial advice. You are responsible for the accuracy of your records and for meeting your own legal, tax, and accounting obligations, and should consult a qualified professional where appropriate.

12. Limitation of liability

To the maximum extent permitted by law, Tallova will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Service. To the extent we are found liable, our total liability will not exceed the amount you paid us for the Service in the 12 months before the event giving rise to the claim.

13. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms or to protect the Service. On termination, your right to use the Service ends; provisions that by their nature should survive (such as fees owed, disclaimers, and limitations of liability) will survive.

14. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date and, where appropriate, notify you within the Service. Your continued use after changes take effect means you accept the updated Terms.

15. Contact

Questions about these Terms:
Email: support@tallova.app