Terms of Service

1. The service

Storvia lets businesses create and send invoices, keep customer and product records, record payments, send reminders and, record the payments you receive. We may change or improve features over time.

2. Your account

• You must give accurate information and keep your login details secure. You are responsible for activity under your account.
• Tell us promptly at support@codewithfred.com.ng if you believe your account has been accessed without permission.
• You must be at least 18 years old and able to enter a binding contract.

3. Your responsibilities

• You are responsible for the content of your invoices, including amounts, tax rates, tax registration details and compliance with tax law (for example VAT and FIRS requirements).
• You may only add customer details you are lawfully allowed to use, and you are responsible for your relationship with your customers.
• You must not use Storvia for fraud, money laundering, illegal goods or services, spam, or to send misleading invoices.
• You must not attempt to access other users’ data, disrupt the service, or bypass its security or rate limits.

4. Payments from your customers

• Storvia does not process payments. Your customers pay you directly using the payment instructions on your invoices, and you record those payments in Storvia.
• We do not hold your funds. Refunds and disputes are between you and your customer.

5. Fees

• Storvia is currently free to use, with no limit on the number of invoices you create.
• If we introduce paid plans in future, we will give at least 30 days’ notice by email before any charge applies, and nothing will be charged without your agreement.

6. Your data

You own the data you put into Storvia. You give us permission to store and process it only to provide the service, as described in our Privacy Policy. You can export your invoices as PDFs at any time and ask us to delete your account.

7. Availability and changes

We work to keep Storvia available and secure, but we do not guarantee uninterrupted service. We may update these terms; if a change is significant, we will notify you by email or in the app before it takes effect. Continuing to use the service after that means you accept the updated terms.

8. Suspension and closing your account

You can stop using Storvia at any time and ask us to close your account. We may suspend or close accounts that breach these terms or put other users, customers or the service at risk. Where reasonable, we will tell you first and give you a chance to export your data.

9. Disclaimers and liability

Storvia is provided “as is”. To the extent permitted by law, we are not liable for indirect or consequential losses, lost profits, or losses caused by third-party services such as banks or Paystack. Our total liability to you for any claim is limited to the amount you paid us in the twelve months before the claim. Nothing in these terms limits liability that cannot be limited by law.

10. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be handled by the courts of Nigeria, unless we agree to resolve them another way.

11. Contact

Questions about these terms: support@codewithfred.com.ng.