Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the Pesa Notes mobile application ("App"), operated by Pesa Notes ("we", "us", or "our").

By creating an account, downloading the App, or using any of its features, you confirm that:

• You have read and understood these Terms
• You are at least 18 years of age
• You have the legal authority to enter into this agreement
• You agree to be bound by these Terms and our Privacy Policy

Description of Service

Pesa Notes is a mobile business ledger for cash-first small businesses. The App provides:

• Daily cash flows: Home dashboard, cash in/out, and recording movements (Free)
• Credit sales: Credit customers, balances, and payments (Free)
• Pro features: Full cash flow log, Business insights, PDF & Excel reports, and encrypted Google Drive backup — as shown in the in-app subscription screen
• Security: Optional app lock with PIN and biometric unlock
• Accounts: Email/password or Google sign-in; business and profile settings in-app
• Languages: English, Arabic, Afrikaans, Spanish, French, Portuguese, and Swahili

We reserve the right to modify, suspend, or discontinue any feature of the App at any time, with reasonable notice where possible.

User Accounts

Registration

• You must provide accurate, current, and complete information when registering
• Each person or business entity may maintain only one primary owner account
• You are responsible for keeping your account information up to date

Account Security

• You are responsible for maintaining the confidentiality of your PIN and login credentials
• You are responsible for all activity that occurs under your account
• Notify us immediately at support@pesanotes.com if you suspect unauthorised access
• We are not liable for losses caused by your failure to secure your credentials

Subscriptions & Billing

Available Plans

Billing Terms

• Pro is purchased through Google Play Billing; exact price, currency, and renewal behaviour are shown at purchase and in Google Play
• The in-app Manage Subscription screen and your Play Store library are the source of truth for your current plan and renewal dates
• Some builds may use time-limited Pro entitlements stored on device — see the app for expiry and upgrade prompts
• You can cancel or change plans through Google Play where applicable

Refunds

Plan Downgrades

• You may downgrade to the Free plan at any time by cancelling your subscription in Google Play
• Premium features will remain active until the end of the current billing period
• Your data is preserved, but access may be restricted to Free plan limits after downgrade

Free Trial

If a free trial is offered, it will be clearly stated at the time of sign-up. The subscription will automatically begin billing after the trial ends unless cancelled beforehand.

Acceptable Use

Pesa Notes is designed for legitimate business management. You agree to use it responsibly.

Violation of these rules may result in immediate account suspension without refund.

Your Data

Ownership

You retain full ownership of all business data, transaction records, and customer information you enter into Pesa Notes. We make no claim to your business data.

Your Responsibility

• You are responsible for the accuracy of data you enter into the app
• You are responsible for maintaining adequate backups of your data
• We provide cloud backup as a convenience feature, not as a guaranteed data storage service

Data Export

For full details on how we handle your data, see our Privacy Policy.

Intellectual Property

The Pesa Notes name, logo, app design, source code, and all related materials are owned by Pesa Notes and protected by copyright, trademark, and other applicable intellectual property laws.

Your Licence

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use the App on your Android device for its intended purpose, subject to these Terms.

You may not:

• Copy, modify, or create derivative works of the App
• Reverse-engineer, decompile, or disassemble the App
• Remove or alter any copyright or trademark notices
• Use the Pesa Notes name or logo without our written permission
• Redistribute or resell the App or its features

Disclaimers

Service "As Is"

Pesa Notes is provided on an "as is" and "as available" basis. We make no warranties, express or implied, including:

• That the App will be uninterrupted, error-free, or secure at all times
• That data will be preserved in all circumstances
• That the App is fit for any particular business purpose
• The accuracy or completeness of any financial calculations

Not Financial Advice

Pesa Notes is a record-keeping tool, not a financial advisory service. Reports and analytics generated by the app are based solely on the data you enter. Always consult a qualified accountant for financial and tax decisions.

Third-Party Services

We are not responsible for the availability or performance of Google Play, Firebase, Google Drive, or other third-party services the App relies on.

Limitation of Liability

To the maximum extent permitted by applicable law, Pesa Notes and its developers shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, business opportunities, or data
• Business interruption or financial loss resulting from app downtime
• Data loss due to device failure, theft, or user error
• Unauthorised access to your account due to your failure to maintain credential security
• Decisions made based on reports or analytics from the App

In any case, our total liability to you shall not exceed the total amount you paid for the service in the 12 months preceding the claim.

Termination

Termination by You

• Delete your account anytime via Settings → Account → Delete Account
• Cancel your subscription via Google Play → Subscriptions at any time
• Uninstalling the app removes all local data immediately

Termination by Us

We reserve the right to suspend or terminate your account if:

• You violate these Terms or our Acceptable Use policy
• Your account is used for fraudulent or illegal activity
• You fail to pay for a subscription after the grace period
• We are required to do so by a legal authority
• We discontinue the service (with at least 30 days' prior notice)

Effect of Termination

• Your right to use the App ends immediately upon termination
• Export your data before deleting your account — server-side data is purged within 30 days
• Active subscriptions are cancelled; no refunds are issued for the remaining period

Changes to These Terms

We may update these Terms from time to time. When we make changes, we will:

• Update the "Last Updated" date on this page
• Show a notification in the app prompting you to review the changes
• Send an email notification for significant changes that affect your rights

Your continued use of Pesa Notes after the effective date of updated Terms constitutes your acceptance of the changes.

Governing Law & Disputes

These Terms are governed by and construed in accordance with the laws of the Republic of Uganda, without regard to conflict of law principles.

Dispute Resolution

In the event of a dispute, the parties agree to attempt resolution in this order:

1. Negotiation: Contact us directly at support@pesanotes.com — most issues can be resolved quickly
2. Mediation: Engage a neutral third-party mediator if direct resolution fails
3. Arbitration or Litigation: Formal proceedings in Uganda as a last resort

Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be modified to the minimum extent necessary, and the remaining Terms will continue in full force.