Terms of Service

1 Acceptance of Terms

These Terms of Service ("Terms") form a legally binding agreement between you and Payric ("we", "our", or "us"). By accessing our website at payric.com, submitting the waitlist form, or using any Payric product or service, you confirm that you have read, understood, and agree to be bound by these Terms.

If you are using Payric on behalf of a business, you represent that you have the authority to bind that business to these Terms.

2 What Payric Is

Payric is a financial management and tracking tool designed for small businesses and entrepreneurs. It helps you:

• Record and categorise your business income and expenses.
• View summaries of your cash flow over time.
• Connect your bank accounts to import transaction data (when available).
• Generate simple financial reports for your own business use.
• Access optional AI-powered explanations of your financial data.

Payric is a management tool. It organises and presents information — it does not give you financial, accounting, tax, or legal advice. Any decisions you make based on information in Payric are entirely your own.

3 What Payric Is Not

Payric does not:

• Hold, store, move, or process your money.
• Provide banking, lending, investment, or insurance services.
• Give regulated financial advice or act as your accountant.
• Guarantee the financial outcomes of any business decision.
• Handle cryptocurrency or offer crypto-related services.

Any information displayed in Payric — including cash flow projections, AI-generated insights, or trend analyses — is provided for informational and management purposes only. Always consult a qualified professional for financial, tax, or legal decisions.

4 Joining the Waitlist

By submitting the waitlist form, you:

• Confirm that the information you provide is accurate and relates to a real business you operate or represent.
• Agree to receive a confirmation email and, in future, product updates and early access invitations from Payric.
• Understand that joining the waitlist does not guarantee access to the product, any specific pricing, or any particular feature set.

You can remove yourself from the waitlist at any time by emailing us. See the Contact section below.

5 Your Responsibilities

When using Payric, you agree to:

• Use the service only for lawful business purposes.
• Not attempt to reverse-engineer, copy, or reproduce any part of the Payric platform.
• Not use Payric to store or process data relating to illegal activities.
• Keep your account credentials secure and not share them with unauthorised parties.
• Notify us immediately if you suspect unauthorised access to your account.

We reserve the right to suspend or terminate your access if you violate these responsibilities.

6 Data Accuracy — Your Responsibility

Payric is a tool that organises and presents financial data. The accuracy of all information displayed — including balances, summaries, reports, and projections — depends entirely on the completeness and correctness of the data you enter or import.

You are solely responsible for:

• Ensuring that all transactions you manually record are accurate and complete.
• Verifying that any bank-imported transactions are correctly categorised.
• Reviewing all reports and summaries before using them for any business, tax, or financial decision.
• Maintaining independent records of your business finances in compliance with applicable laws.

We are not liable for any business, financial, or tax consequences arising from inaccurate, incomplete, or incorrectly categorised data within Payric.

7 Intellectual Property

All content, design, code, branding, and features of the Payric platform are owned by Payric and are protected by applicable intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from any part of Payric without our express written permission.

Your business data — the transactions, records, and reports you create in Payric — remains yours. We do not claim ownership over your data.

8 Disclaimers

Payric is provided on an "as is" and "as available" basis. While we work hard to keep the service reliable and accurate, we make no warranties, express or implied, about:

• The uninterrupted or error-free operation of the service.
• The accuracy, completeness, or fitness for a particular purpose of any information displayed.
• The results you will achieve from using the service.

To the maximum extent permitted by applicable law, we disclaim all implied warranties, including those of merchantability and fitness for a particular purpose.

9 Limitation of Liability

To the fullest extent permitted by law, Payric shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — the service, including but not limited to loss of profits, data, or business opportunities.

In jurisdictions that do not allow the exclusion of certain warranties or the limitation of certain damages, our liability is limited to the maximum extent permitted by law.

10 Termination

You may stop using Payric at any time. To have your waitlist data deleted, contact us at the address below.

We reserve the right to suspend or terminate access for any user who violates these Terms, engages in abuse or fraudulent activity, or for whom continued service poses a legal or security risk. Where practical, we will notify you before taking such action.

11 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. Any disputes arising from these Terms shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be referred to the appropriate courts in Nigeria.

12 Changes to These Terms

We may update these Terms as the product evolves. When we make material changes, we will update the "Last updated" date at the top of this page. We will notify waitlist members of significant changes by email where practical. Continued use of Payric after any changes constitutes acceptance of the updated Terms.

13 Contact Us

Questions about these Terms? Get in touch: