1. Acceptance of Terms

By accessing or using Arvalox ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service, including organizations and their authorized users.

2. Service Description

Arvalox is a Software-as-a-Service (SaaS) platform providing accounts receivable management, invoicing, payment tracking, customer relationship management, and financial reporting tools for businesses.

2.1 Core Features

• Customer and invoice management
• Payment tracking and accounts receivable reports
• Multi-user collaboration with role-based permissions
• PDF invoice generation and email delivery
• Financial analytics and aging reports
• Multi-currency support and international formatting
• Integration with payment processors (Paystack)

2.2 Service Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted service. Scheduled maintenance will be announced in advance when possible.

3. User Accounts and Registration

3.1 Account Creation

• You must provide accurate and complete information during registration
• You may register using email and password or by signing in with Google. When using Google Sign-In, you authorize us to receive your basic profile information from Google
• You are responsible for maintaining the security of your account credentials
• Each organization must have a unique account and cannot share accounts
• You must be at least 16 years old to create an account

3.2 User Roles and Responsibilities

• Owner: Full access including subscription management and user administration
• Admin: Organization management and user invitation capabilities
• Accountant: Financial data access and reporting capabilities
• Sales Rep: Customer and invoice management within assigned permissions

4. Subscription Plans and Billing

4.1 Subscription Tiers

• Free Plan: Limited features with usage restrictions (10 invoices/month, 20 customers, 1 team member)
• Professional Plan: Perfect for growing businesses (1,000 invoices/month, 2,000 customers, 10 team members, ₦25,000/month)
• Enterprise Plan: Unlimited power for large organizations (Unlimited invoices and customers, 100 team members, ₦50,000/month)

4.2 Billing Terms

• Subscriptions are billed monthly or annually in advance
• All payments are processed securely through Paystack
• Prices are subject to change with 30 days' notice
• Failed payments may result in service suspension
• Downgrades take effect at the end of the current billing period
• Upgrades are effective immediately with prorated billing

4.3 Trial Periods

Free trial periods are 14 days and do not require payment information. Trial limitations apply and are clearly communicated during signup.

4.4 Refunds and Cancellations

• You may cancel your subscription at any time
• Cancellations take effect at the end of the current billing period
• No refunds are provided for partial months unless required by law
• Data export options are available before account closure

5. Acceptable Use Policy

5.1 Permitted Uses

You may use Arvalox for legitimate business purposes including:

• Managing customer relationships and accounts receivable
• Creating and sending professional invoices
• Tracking payments and generating financial reports
• Collaborating with team members on financial data

5.2 Prohibited Uses

You may not use Arvalox to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit harmful, fraudulent, or deceptive content
• Attempt to gain unauthorized access to systems
• Interfere with or disrupt service operations
• Use the service for cryptocurrency or high-risk merchant activities without prior approval
• Resell or redistribute the service without authorization

6. Data Ownership and Security

6.1 Your Data

• You retain ownership of all data you input into the Service
• We implement industry-standard security measures to protect your data
• Data is isolated between organizations using multi-tenant architecture
• You can export your data at any time in standard formats

6.2 Data Processing

We process your data solely to provide the Service as described in our Privacy Policy. You consent to such processing and warrant that you have appropriate permissions for any personal data you input.

6.3 Backup and Recovery

We maintain regular backups for disaster recovery purposes, but recommend you maintain your own copies of critical data. We are not liable for data loss except as required by law.

7. Intellectual Property

7.1 Our Rights

Arvalox and its associated trademarks, logos, and intellectual property remain our exclusive property. You may not use our branding without explicit written permission.

7.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to use the Service during your subscription period, subject to these Terms.

7.3 Feedback and Suggestions

Any feedback, suggestions, or improvements you provide become our property and may be incorporated into the Service without compensation.

8. Third-Party Integrations

Our Service integrates with third-party providers including:

• Google OAuth 2.0: For secure authentication and single sign-on capabilities. Your use of Google Sign-In is subject to Google's Terms of Service and Privacy Policy
• Paystack: For payment processing and subscription billing
• Email Services: For automated notifications and invoice delivery
• Analytics Providers: For service improvement and usage analysis

Use of these services is subject to their respective terms and privacy policies. We are not responsible for third-party service interruptions or data handling practices.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
• WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE PRECEDING 12 MONTHS
• WE ARE NOT LIABLE FOR DATA LOSS EXCEPT AS REQUIRED BY LAW
• WE ARE NOT LIABLE FOR BUSINESS INTERRUPTION OR LOST PROFITS

Some jurisdictions do not allow the exclusion of certain warranties or liability, so the above limitations may not apply to you.

10. Indemnification

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

11. Termination

11.1 Termination by You

You may terminate your account at any time. Upon termination, your access to the Service will cease at the end of your current billing period.

11.2 Termination by Us

We may terminate or suspend your account immediately for:

• Violation of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Prolonged inactivity (12+ months)

11.3 Data Retention After Termination

Following termination, we will retain your data for 30 days to allow for reactivation. After this period, data may be permanently deleted unless required for legal compliance.

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law provisions.

12.2 Dispute Resolution Process

• First, contact us directly to attempt resolution
• If unresolved, disputes may be subject to binding arbitration
• Small claims court remains available for qualifying disputes
• Class action lawsuits are waived where legally permissible

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Email notification to all registered users
• Prominent notice within the application
• Updated terms posted on our website

Continued use of the Service after changes constitutes acceptance of the new Terms. Changes take effect 30 days after notification unless immediate compliance is required by law.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Arvalox.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14.3 Assignment

You may not assign your rights under these Terms without our written consent. We may assign our rights and obligations to any party.

14.4 Force Majeure

Neither party is liable for delays or failures in performance due to circumstances beyond their reasonable control, including natural disasters, government actions, or internet disruptions.

15. Contact Information

For questions about these Terms or our Service, please contact us: