Terms of Service

1. Agreement to Terms

Welcome to Kompleet, a bookkeeping and invoicing platform operated by Ivano Technologies Ltd ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, platform, and services (collectively, the "Services").

By accessing or using Kompleet, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our Services.

We reserve the right to modify these Terms at any time. Your continued use of the Services after any changes constitutes acceptance of the new Terms.

2. Description of Services

Kompleet provides bookkeeping, invoicing, and calculation tools designed to help individuals and businesses in Nigeria:

• Calculate business taxes, individual taxes, VAT, and capital allowances
• Generate tax reports and documentation
• Store and manage tax calculation history
• Access information about Nigerian tax laws and regulations
• Track income, expenses, and invoices, and export financial reports

Our Services are provided for informational and calculation purposes only and do not constitute professional tax advice, legal advice, or accounting services. Kompleet is not a substitute for professional tax or legal advice from a qualified advisor.

Features such as transaction categorization may use automated or AI-assisted tools. These are for convenience only and are not legal or tax advice; you remain responsible for verifying categorizations and accuracy before relying on them for filing.

3. User Accounts and Registration

3.1 Account Creation

To access certain features of Kompleet, you must create an account by providing:

• Valid email address
• Secure password

3.2 Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Providing accurate, current, and complete information
• Updating your information to keep it accurate and current

3.3 Account Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use Kompleet. By creating an account, you represent and warrant that you meet these requirements.

4. Acceptable Use Policy

4.1 Permitted Use

You may use Kompleet only for lawful purposes and in accordance with these Terms. You agree to use the Services:

• In line with all applicable Nigerian laws and regulations
• For legitimate tax calculation and record-keeping purposes
• In a manner that does not infringe the rights of others

4.2 Prohibited Activities

You agree NOT to:

• Use the Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Services or servers
• Use automated systems (bots, scrapers) without our permission
• Reverse engineer, decompile, or disassemble any part of the Services
• Upload or transmit viruses, malware, or malicious code
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information of other users
• Use the Services to facilitate tax evasion or fraud
• Resell, redistribute, or commercially exploit the Services without authorization

5. Intellectual Property Rights

5.1 Our Property

All content, features, and functionality of Kompleet, including but not limited to:

• Software, code, and algorithms
• Text, graphics, logos, and images
• Tax calculation methodologies and formulas
• Database structures and compilations
• Trademarks, service marks, and trade names

are owned by Ivano Technologies Ltd and are protected by Nigerian and international copyright, trademark, and other intellectual property laws.

5.2 Your Content

You retain ownership of any data, information, or content you submit to Kompleet ("User Content"). By submitting User Content, you grant us a limited license to:

• Store and process your data to provide the Services
• Use aggregated, anonymized data for analytics and service improvement
• Display your calculation results and reports to you

We will not share your User Content with third parties except as described in our Privacy Policy.

6. Disclaimers and Limitations

6.1 No Professional Advice

IMPORTANT: Kompleet provides tax calculation tools and information for general guidance only. Our Services are not a substitute for professional tax, legal, or accounting advice. Our Services do not constitute:

• Professional tax advice
• Legal advice
• Accounting or financial advice
• Personalized recommendations for your specific situation

You should consult with qualified tax professionals, accountants, or legal advisors before making any tax-related decisions or filing tax returns.

6.2 Accuracy of Information

While we strive to provide accurate and up-to-date information based on Nigerian tax laws:

• Tax laws and regulations change frequently
• Calculations are based on information you provide
• We do not guarantee the accuracy, completeness, or currency of any information
• You are responsible for verifying all calculations and information

6.3 Service Availability

We provide the Services on an "AS IS" and "AS AVAILABLE" basis. We do not guarantee that the Services will be uninterrupted, without errors, viruses, or other harmful components.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages
• We are not liable for any loss of profits, revenue, data, or business opportunities
• We are not liable for any errors in tax calculations or filing issues
• We are not liable for any penalties, fines, or interest imposed by tax authorities
• Our total liability to you for any claims shall not exceed the amount you paid us in the past 12 months

You acknowledge that you use Kompleet at your own risk and are solely responsible for your tax obligations.

8. Indemnification

You agree to indemnify, defend, and hold harmless Ivano Technologies Ltd, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the Services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your infringement of any third-party rights
• Any User Content you submit to Kompleet

9. Fees and Payment

9.1 Access

Access to Kompleet is through a one-off founding payment. The price is shown at checkout.

9.2 Payment Terms

When you complete a founding payment:

• You agree to pay the amount shown at checkout
• Fees follow the Ivano Technologies Ltd refund policy, which provides a 14-day refund window. See Refund Policy.
• You are responsible for all taxes associated with your purchase

9.3 Account cancellation

You may delete your account at any time using the account deletion feature in your settings, or by contacting support. Founding payments follow the 14-day refund window in the Refund Policy.

10. Termination

10.1 Termination by You

You may terminate your account at any time by:

• Contacting our support team
• Using the account deletion feature in your settings

10.2 Termination by Us

We may suspend or terminate your account immediately, without notice, if:

• You violate these Terms
• You engage in fraudulent or illegal activities
• Your account is inactive for an extended period
• We are required to do so by law
• We discontinue the Services

10.3 Effect of Termination

Upon termination, your right to use the Services will immediately cease. We may delete your account and User Content, subject to our data retention obligations under Nigerian law.

11. Data Protection and Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We follow the Nigeria Data Protection Act 2023 and regulations issued by the Nigeria Data Protection Commission (NDPC).

12. Third-Party Services

Kompleet may integrate with or link to third-party services, including:

• Payment processors
• Cloud infrastructure providers

We are not responsible for the content, privacy policies, or practices of any third-party services. Your use of third-party services is at your own risk and subject to their terms and conditions.

13. Dispute Resolution

13.1 Informal Resolution

If you have any dispute with us, please contact us first at support@ivanotechnologies.com to attempt to resolve the issue informally.

13.2 Governing Law

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

13.3 Jurisdiction

Any legal action or proceeding arising out of or relating to these Terms shall be instituted in the courts of Nigeria, and you consent to the exclusive jurisdiction of such courts.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ivano Technologies Ltd regarding the use of Kompleet.

14.2 Severability

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

14.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

14.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

14.5 Force Majeure

We will not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

15. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Last updated" date at the top of this page
• Notify you via email or through the platform (for material changes)
• Provide you with an opportunity to review the changes

Your continued use of Kompleet after any changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Services.

16. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us:

17. Acknowledgment

By using Kompleet, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.