Terms of Service

These Terms of Service ("Terms") govern your use of Growpins Ledger, the invoicing, document management, and bookkeeping platform operated by Growpins ("Growpins", "we", "us", or "our") at ledger.growpins.ai (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. Eligibility and Acceptance

By using the Service you confirm that:

• You are at least 18 years old (or the age of majority in your jurisdiction);
• You have the authority to accept these Terms, for yourself or for the business you represent; and
• You accept these Terms and our Privacy Policy in full.

2. The Service

Growpins Ledger lets businesses create professional documents (proforma invoices, sales invoices, waybills, shipping waybills, letterheads, and receipts), manage clients and products, track expenses and bookkeeping entries, generate reports, share a client portal, and use AI-assisted writing features. We may add, change, or remove features with reasonable notice where changes are material.

3. Accounts and Security

You sign in with a magic link sent to your email address or with Google sign-in. You are responsible for keeping your sign-in email account secure and for all activity under your Growpins Ledger account. Provide accurate registration information and keep it up to date. Notify us immediately of any unauthorised access. You may not create an account if you were previously suspended or banned.

4. Plans, Billing, and Changes

4.1 Free tier

The free tier includes limited usage (for example, a capped number of clients and documents per month) at no cost.

4.2 Paid plans

Paid plans are billed in advance, monthly or annually, in the currency stated at checkout. Fees are non-refundable except where expressly stated or required by law. If a payment fails, we may downgrade or suspend access to paid features after notice.

4.3 Price changes

We may change pricing with at least 30 days' notice. Continued use after the effective date constitutes acceptance of the new pricing.

5. Your Content and Data

You own the business data you enter into the Service - your company details, clients, products, documents, and records ("Your Data"). You grant us a limited, worldwide, royalty-free licence to host, process, and display Your Data solely to provide and improve the Service. You can export Your Data (CSV/PDF) at any time. You are responsible for the accuracy and lawfulness of Your Data, including having the right to store your clients' information.

6. Not Tax, Accounting, or Legal Advice

The Service includes calculators, default tax rates (such as VAT and withholding tax), document templates, and AI-generated content. These are provided as productivity tools and general information only - they are not tax, accounting, or legal advice. Tax rates and rules change, and their application depends on your circumstances. You are solely responsible for the accuracy of the documents you issue and for your compliance with applicable tax laws and filing obligations. Consult a qualified professional where appropriate.

7. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law or regulation;
• Issue fraudulent, deceptive, or misleading invoices or documents;
• Upload or transmit content that is illegal, harmful, defamatory, or infringes another person's rights;
• Distribute malware or any malicious code;
• Probe, scan, or test the vulnerability of the Service, or access data belonging to other users;
• Scrape, crawl, or harvest data from the Service without our written permission;
• Impersonate any person or entity; or
• Resell or white-label the Service without our written consent.

8. Client Portal and Shared Links

Client-portal links let people you share them with view the related documents and order status without an account. You are responsible for who you share links with. We may disable links that are abused.

9. Intellectual Property

The Service - including its software, design, logos, and trademarks - is owned by Growpins and protected by applicable intellectual property laws. Except for the rights expressly granted in these Terms, no rights in the Service are transferred to you. If you send us feedback or suggestions, you grant us a perpetual, irrevocable licence to use them without restriction or compensation.

10. Termination

You may stop using the Service and request account deletion at any time via your settings or by contacting support. We may suspend or terminate your account immediately for a violation of these Terms, or for any other reason with 30 days' notice. After termination, your data is deleted in accordance with our Privacy Policy (purged within 90 days, subject to legal retention requirements) - export anything you need before deleting your account.

11. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.

12. Limitation of Liability

To the maximum extent permitted by law, Growpins shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the Service. Our total liability for any claim shall not exceed the amount you paid to Growpins in the 12 months before the claim arose (or, for free-tier users, ₦50,000).

13. Indemnification

You agree to indemnify and hold harmless Growpins and its officers, employees, and agents from claims, damages, and expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights - including claims from your own clients relating to documents you issue.

14. Governing Law and Disputes

These Terms are governed by the laws of the Federal Republic of Nigeria. The parties will first attempt to resolve any dispute through good-faith negotiation for 30 days; failing that, disputes shall be subject to the jurisdiction of the courts of Nigeria. Nothing in these Terms limits any non-waivable rights you have under applicable consumer protection law in your country of residence.

15. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or an in-app notice. Continued use of the Service after the effective date of updated Terms constitutes acceptance.

16. Contact

Questions about these Terms? Email support@engagegrowth.com or use the contact page.