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DRAFT -- These terms of service are under professional legal review and will be finalized before public launch. Last updated: March 2026.

Terms of Service

Last updated: March 2026

These Terms of Service ("Terms") govern your use of the SabiBooks platform and services provided by SabiBooks Technology Ltd ("SabiBooks", "we", "our", "us"). By creating an account or using SabiBooks, you agree to these Terms.

1. Eligibility

To use SabiBooks, you must:

  • Be at least 18 years of age
  • Be a registered Nigerian business, sole proprietor, or authorized representative of a business
  • Have a valid Nigerian phone number (+234) for authentication
  • Have the legal capacity to enter into binding agreements

2. Account and Authentication

  • Accounts are created using your Nigerian phone number as the primary identifier
  • Authentication is performed via One-Time Password (OTP) sent to your phone -- SabiBooks does not use passwords
  • You are responsible for maintaining the security of your phone number and SIM card
  • You must notify us immediately if you suspect unauthorized access to your account
  • One business account per phone number. Staff members are invited by business owners with assigned roles

3. Subscription Tiers and Pricing

SabiBooks offers four subscription plans:

  • Free: one user, inventory and sales tracking, with limits on products, customers, monthly sales and expense records
  • Starter: up to 3 users, higher limits, full inventory and sales management, customer credit tracking
  • Business: up to 5 users and 3 branches, receipts without SabiBooks branding, profit and loss and cash flow reports
  • Pro: no limits on users, branches, products or customers, plus priority support

Paid plans start at N2,500 per month. Each paid plan can be billed monthly or at a discounted yearly price. Current prices, feature limits and inclusions for every plan are shown inside the app on the Plans screen. Prices are in Nigerian Naira (NGN) and may change with 30 days advance notice.

4. Billing and Payment

  • Paid plans are billed monthly or yearly through Paystack, using your chosen payment method (card, bank transfer or USSD). You choose the billing period on the Plans screen inside the app
  • Subscriptions renew automatically at the end of each term, one month or one year, unless you turn renewal off
  • Before a yearly renewal, we email you 30 days before, 7 days before and the day before the renewal date. Each notice states the amount, the renewal date and the card on file, or that no card is saved
  • If no card is saved when a term ends, we send you an invoice for the next term, which you can pay by card or bank transfer
  • If a card payment fails, we retry the charge a few times over the following days and email you each time. If every retry fails, your account is suspended until the outstanding invoice is paid; you can pay it from the Subscription screen by card or bank transfer, and access is restored as soon as the payment goes through
  • Moving to a higher plan, or from monthly to yearly billing, takes effect immediately. You pay the full price of the new plan, and the unused days you already paid for are added to the new term as extra days
  • Moving to a lower plan, or from yearly back to monthly billing, takes effect when your current term ends
  • No refunds for unused time. You may turn off renewal at any time and keep access until the end of the term you paid for
  • All prices are inclusive of applicable taxes unless otherwise stated

5. Data Ownership

  • Your business data (products, sales records, customer information, expenses) belongs to you
  • SabiBooks processes your data on your behalf to provide the platform services
  • You grant SabiBooks a limited, non-exclusive license to process your data solely for the purpose of operating and improving the service
  • You may export your data at any time through the platform's export features
  • Upon account termination, your data remains available for export for 30 days (see Section 11)

6. Acceptable Use

You agree not to use SabiBooks to:

  • Conduct illegal activities or facilitate fraudulent transactions
  • Store or process data related to prohibited goods or services under Nigerian law
  • Maintain intentionally inaccurate business records
  • Attempt to access other users' data or circumvent multi-tenancy isolation
  • Reverse-engineer, decompile, or attempt to extract the source code of the platform
  • Use automated tools (bots, scrapers) to access the platform without written permission
  • Interfere with the platform's infrastructure, security, or availability

Violation of these terms may result in immediate account suspension or termination.

7. Service Availability

  • SabiBooks is provided on a best-effort basis. We target high availability but do not guarantee 100% uptime
  • SabiBooks is designed as an offline-first application. Core features (inventory, sales recording, expense tracking) work without an internet connection, with data syncing when connectivity is restored
  • We may perform scheduled maintenance with at least 24 hours advance notice via in-app notification
  • We are not responsible for service disruptions caused by factors outside our control, including network outages, power failures ("NEPA"), or device issues

8. POS Integration

  • SabiBooks integrates with third-party POS terminal providers (Moniepoint, Opay, Palmpay)
  • POS transactions are subject to the terms and fees of the respective POS provider
  • SabiBooks facilitates payment initiation and reconciliation but is not responsible for POS terminal hardware, transaction processing, or settlement by the POS provider
  • Transaction disputes should be directed to the relevant POS provider, though SabiBooks will assist where possible

9. Limitation of Liability

  • SabiBooks is provided "as is" and "as available" without warranties of any kind, express or implied
  • Our maximum aggregate liability for any claims arising from your use of SabiBooks is limited to the total fees you have paid in the 12 months preceding the claim
  • We are not liable for indirect, incidental, consequential, or punitive damages, including lost profits, lost data, or business interruption
  • We are not liable for the accuracy of data you enter into the platform, including inventory counts, sales records, or customer information
  • SabiBooks is not a financial institution, tax advisor, or accounting firm. The platform is a record-keeping tool, and you remain responsible for your business's compliance with tax (FIRS), regulatory (CAC, SMEDAN), and accounting requirements

10. Intellectual Property

  • SabiBooks owns all rights, title, and interest in the platform, including software, design, trademarks, and documentation
  • You retain ownership of all business data you create or upload to the platform
  • You may not use the SabiBooks name, logo, or brand materials without prior written consent
  • Feedback and suggestions you provide may be used to improve the platform without obligation or compensation

11. Termination

  • You may terminate your account at any time through the platform settings or by contacting support
  • SabiBooks may terminate or suspend your account for violation of these Terms, with notice where practicable
  • Upon termination, your data remains available for export for 30 days. After this period, data is deleted in accordance with our Privacy Policy and applicable retention requirements
  • Termination does not release you from any obligations incurred before the termination date, including unpaid fees

12. White-Label and Partner Services

SabiBooks may be offered through partner organizations (banks, payment providers, government agencies) under a white-label arrangement. If you access SabiBooks through a partner:

  • These Terms still apply to your use of the platform
  • Additional terms from the partner may also apply and will be presented to you
  • Your data may be shared with the partner to the extent disclosed at registration

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

14. Dispute Resolution

  • Mediation first -- Any dispute arising from these Terms shall first be referred to mediation under the Lagos Multi-Door Courthouse framework
  • Litigation -- If mediation fails within 30 days, the dispute shall be submitted to the exclusive jurisdiction of the courts in Lagos State, Nigeria
  • Informal resolution -- Before initiating formal proceedings, you agree to contact us at [email protected] to attempt informal resolution

15. Modifications to These Terms

We may update these Terms from time to time. Material changes will be communicated via SMS, WhatsApp, or in-app notification at least 30 days before they take effect. Continued use of SabiBooks after the effective date constitutes acceptance of the updated Terms. If you disagree with the changes, you may terminate your account before the effective date.

16. Contact

For questions about these Terms of Service, contact us: