Terms of Service

Welcome to TaxEase Nigeria. By accessing or using our platform, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By creating an account, accessing, or using TaxEase Nigeria ("Platform," "Service," "we," "us," "our"), you agree to:

• Comply with these Terms of Service
• Comply with all applicable Nigerian laws and regulations
• Our Privacy Policy
• Our Refund Policy

Important: If you do not agree to these terms, you may not use TaxEase Nigeria.

2. Description of Service

TaxEase Nigeria provides:

• Tax Calculators: PAYE and Company Income Tax (CIT) calculators
• AI Tax Assistant: 24/7 chatbot trained on Nigeria Tax Act 2025
• Learning Hub: Tax education articles and guides
• AI Profile Analysis: Personalized tax optimization recommendations (Premium)
• PDF Export: Tax calculation reports (Premium)
• Calculation History: Save and track calculations (Premium)

2.1 Educational Purpose

Disclaimer: TaxEase Nigeria is an educational and informational platform. We do NOT provide professional tax advice, accounting services, or legal counsel. Always consult a qualified tax professional for specific advice.

3. User Accounts

3.1 Account Registration

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

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Notify us immediately of unauthorized access
• Be at least 18 years of age

3.2 Account Responsibility

You are responsible for all activities under your account. We are not liable for losses arising from unauthorized use of your account.

3.3 Account Termination

We may suspend or terminate your account if you:

• Violate these Terms of Service
• Engage in fraudulent activity
• Misuse the platform or AI features
• Fail to pay subscription fees

4. Subscription Plans and Payments

4.1 Subscription Tiers

4.2 Payment Terms

• Payments are processed securely through Paystack
• Subscriptions auto-renew monthly unless canceled
• All prices are in Nigerian Naira (₦)
• Prices may change with 30 days notice to existing subscribers
• You authorize recurring charges to your payment method

4.3 Billing

Your subscription will be billed:

• On the date you first subscribe (billing date)
• Automatically on the same day each month thereafter
• Failed payments may result in service suspension
• You will receive email receipts for all charges

4.4 Cancellation

You may cancel your subscription at any time:

• Go to Account Settings → Subscription → Cancel
• Cancellation takes effect at end of current billing period
• No refunds for partial months (see Refund Policy)
• You retain access until end of paid period

5. Usage Limits and Fair Use

5.1 Usage Limits by Tier

Your subscription tier determines access limits:

• STARTER: 10 AI messages/month, no PDF exports
• PLUS: 100 AI messages/month, 50 PDFs/month, 1 profile analysis/month
• PREMIUM: Unlimited access to all features

5.2 Prohibited Uses

You may NOT use TaxEase Nigeria to:

• Violate any Nigerian laws or regulations
• Scrape, copy, or download our AI models or content
• Share your account with others
• Circumvent usage limits or access controls
• Reverse engineer or decompile our software
• Use automated tools (bots) to access the platform
• Submit false or misleading information
• Harass, abuse, or harm other users
• Upload viruses, malware, or malicious code
• Resell or redistribute our services

6. Intellectual Property Rights

6.1 Our Content

TaxEase Nigeria owns all rights to:

• Platform design, code, and software
• Learning Hub articles and educational content
• AI models, prompts, and training data
• Logos, trademarks, and branding
• Tax calculators and algorithms

6.2 Your Content

You retain ownership of data you submit (tax information, profile data). By using our service, you grant us a license to:

• Process your data to provide services
• Use anonymized data to improve AI models
• Display your profile information to you
• Store your data securely in our databases

7. Disclaimer of Warranties

TaxEase Nigeria is provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

We do NOT guarantee:

• Accuracy: Tax calculations may contain errors
• Completeness: Information may be incomplete or outdated
• Availability: Service may be interrupted or unavailable
• AI Correctness: AI responses may be inaccurate or misleading
• Tax Compliance: Use of our platform does not guarantee compliance
• Legal Validity: Our guidance is educational, not legal advice

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW:

• TaxEase Nigeria is NOT liable for any indirect, incidental, special, or consequential damages
• We are NOT liable for tax penalties, interest, or fines arising from use of our platform
• Our total liability is limited to the amount you paid us in the past 12 months (maximum ₦90,000)
• We are NOT liable for FIRS audits, disputes, or tax liabilities
• We are NOT responsible for third-party services (Paystack, AI providers)

9. Indemnification

You agree to indemnify and hold harmless TaxEase Nigeria, its officers, employees, and partners from any claims, damages, or expenses arising from:

• Your use of the platform
• Violation of these Terms
• Violation of any laws or regulations
• Infringement of third-party rights
• Tax disputes with FIRS or authorities

10. Governing Law and Dispute Resolution

10.1 Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

10.2 Dispute Resolution

Any disputes shall be resolved through:

1. Negotiation: Contact us at legal@taxease.ng within 30 days
2. Mediation: Good-faith mediation if negotiation fails
3. Arbitration: Binding arbitration in Lagos, Nigeria
4. Courts: If arbitration is unavailable, Lagos courts have exclusive jurisdiction

11. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via:

• Email to your registered email address
• Prominent notice on the platform
• Updated "Last Updated" date

Continued use after changes constitutes acceptance. If you disagree, cancel your account.

12. Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

13. Contact Information