Terms of Use

Effective 17 September 2026 · Version 2026-09-17

1. Agreement to these terms

These Terms of Use ("Terms") govern your access to and use of dmistocks: its website, web application, application programming interface (API), and related services (together, the "Service"). By creating an account, accepting an invitation to join a business, or using the Service, you agree to these Terms and to our Privacy Policy, which forms part of them.

If you accept these Terms on behalf of a business or other organisation, you confirm that you have authority to bind it, and "you" includes that organisation. If you do not agree, do not use the Service.

2. Who we are

The Service is operated by DMIDEVELOPERS LTD, a company registered in Nigeria with RC number 8916456, of Abuja, Nigeria ("we", "us", "our"), and is provided under the name Dmistocks. You can reach us at [email protected] or on +234 902 253 4410.

We may contact you by email, through the Service, and — where you have given us your number or messaged us first — on WhatsApp, using the WhatsApp Business API provided by Meta Platforms. Messages we send that way are about your account, your bookings or your support requests; we do not send marketing on WhatsApp unless you ask us to, and you can tell us to stop at any time. What passes through Meta's systems when you do is described in our Privacy Policy.

3. Definitions

• Business: the organisation registered on the Service. It holds the subscription and owns the records kept in its account.
• Owner: the person who registered the Business, or anyone later given ownership. Owners control the account, its staff and its subscription.
• User or staff member: anyone given access to a Business's account, whatever their role.
• Customer Data: information a Business or its Users enter into or import into the Service. This includes products, stock, sales, purchases, accounts, and details of the Business's own customers, suppliers and employees.
• Subscription: the plan and billing term a Business has chosen.

4. Eligibility and accounts

• You must be at least 18 years old and legally able to enter into a binding contract.
• The Service is for business use. You must use it for a lawful trade or organisation, not as a private consumer.
• The information you give us, including your name, email address, business name and business details, must be accurate, and you must keep it up to date.
• Each person must have their own login. Do not share passwords or accounts. Owners invite staff and choose their roles, and are responsible for removing access that is no longer needed.
• You may sign up or sign in with Google or Microsoft. If you do, that provider's terms also apply to your use of their sign-in.

5. The service

dmistocks provides software for inventory and stock control, point of sale, purchasing, customer and supplier records, pricing, double-entry accounting, reporting, document generation (such as invoices and receipts) and related features. The features available to you depend on your plan.

The Service is a tool. It records and calculates on the basis of what you and your staff enter and configure. It is not an accounting, tax, legal or financial advisory service, and it does not replace a qualified professional.

6. Trials, plans and payment

6.1 Free trial

A new Business receives a free trial of 14 days with access to the Service's features. We do not ask for payment details to start a trial. When the trial ends, you need an active paid Subscription to keep using the Service.

6.2 Plans, billing terms and prices

• Plans, their limits (for example numbers of staff, branches and warehouses) and their prices are shown in the Service and on our website. You may pay monthly or for a longer term. Any discount for a longer term is shown before you pay.
• Prices are stated in Nigerian Naira unless shown otherwise, and include or exclude taxes as indicated at checkout. You are responsible for any taxes, levies or bank charges that apply to your payment.
• We may change our prices. A price change applies from your next billing period after we give you notice. It never changes an invoice already issued.

6.3 Payment and renewal

• Payments are processed by licensed payment providers such as Paystack, or by bank transfer that we confirm manually. We do not store your full card details.
• A Subscription renews at the end of each billing term, and an invoice is raised for the next term, until you cancel it.
• If an invoice is not paid by its due date, the Business enters a grace period of 7 days, during which the Service keeps working. If payment is still not received, the account is suspended: Users cannot trade until payment is made, but Customer Data is kept as described in section 16.3.

6.4 Refunds

Fees for a billing term that has started are not refundable, including where you stop using the Service part-way through a term, except where the law requires a refund or we have failed to provide the Service as agreed. If you believe you were charged in error, contact us within 30 days of the charge and we will investigate.

6.5 Plan limits

If you move to a plan with lower limits, nothing you already have is removed. You will not be able to add more staff, branches or warehouses until you are within the new limits.

7. Your data

• You own your Customer Data. You give us a limited licence to host, copy, process, transmit and display it only as needed to provide, secure, support and improve the Service, to comply with the law, and as described in our Privacy Policy.
• We do not sell Customer Data, and we do not use your Business's trading records to advertise to your customers.
• Data protection roles. For personal data about your own customers, suppliers and staff that you put into the Service, your Business is the data controller and we act as your data processor. We process that data only on your documented instructions, which these Terms and your use of the Service's features record. We keep it confidential and secure, use sub-processors only under written obligations, help you respond to data-subject requests, and tell you without undue delay if a personal data breach affects it. For account and billing information about you and your Users, we are the controller. See our Privacy Policy.
• Exporting. You can export reports and records from within the Service (for example as CSV, Excel or PDF). You can also ask us for a copy of your Customer Data in a commonly used format.
• Aggregated information. We may create anonymised, aggregated statistics about use of the Service, such as how many businesses use a feature. These do not identify you, your Business or any person.

8. Your responsibilities as a business

• Accuracy. You are responsible for the accuracy of what you and your staff enter, including prices, stock counts, tax settings, opening balances and payments. Check reports and documents before relying on them.
• Tax and records. You remain responsible for your obligations under Nigerian tax laws, including the Nigeria Tax Act 2025 and the Nigeria Tax Administration Act 2025 and any e-invoicing or fiscalisation rules that apply to you, and under the laws of any other country where you trade. That includes filing returns, charging and remitting VAT and other taxes, and keeping books and records for as long as the law requires. The Service helps you keep records. It does not file anything for you unless a feature says so explicitly.
• Your customers' and staff's personal data. Where you collect personal data (for example a customer's phone number or a staff member's details), you must have a lawful basis under the Nigeria Data Protection Act 2023 (NDPA) and any other law that applies. You must give those people any notices the law requires, and deal with their requests. Only enter what your business genuinely needs.
• Messages you send. If you send invoices, receipts or statements to your customers through the Service, you are responsible for having the right to contact them and for what you say.
• Your staff. You are responsible for everything done under your Business's account by people you have given access to, and for making sure they follow these Terms.

9. Acceptable use

You must not, and must not allow anyone else to:

• use the Service for fraud, money laundering, terrorist financing, tax evasion, dealing in stolen, counterfeit or prohibited goods, or any other unlawful purpose. This includes activity prohibited by the Money Laundering (Prevention and Prohibition) Act 2022, the Cybercrimes (Prohibition, Prevention, etc.) Act 2015 (as amended) or the Federal Competition and Consumer Protection Act 2018;
• create false records or documents, such as fake invoices or receipts, intended to deceive customers, suppliers, lenders or tax authorities;
• access or try to access another business's data or account, or any part of the Service you are not authorised to use;
• probe, scan or test the Service's vulnerabilities, bypass security or rate limits, or interfere with its operation (for example by denial-of-service attacks, malware or excessive automated requests). If you find a security issue, report it to us privately at [email protected];
• copy, resell, sublicense or provide the Service to third parties as your own product, or reverse-engineer it except where the law expressly allows;
• upload content that is unlawful, infringes anyone's rights, or contains malicious code;
• use the Service to send spam or unsolicited messages;
• scrape the Service, or use it to build a competing product.

10. Account security

• Keep your password confidential, and use two-factor authentication. We strongly recommend it for Owners and anyone who handles money.
• Tell us immediately at [email protected] if you suspect someone has accessed your account without permission.
• API tokens are credentials. Keep them secret, give them only the access they need, and revoke any you no longer use.
• We are not responsible for loss caused by credentials you shared or failed to protect. This does not limit our own security obligations under section 7 and our Privacy Policy.

11. Payments and third-party services

• You may connect third-party services to your Business, such as payment gateways (for example Paystack or Flutterwave) and online stores (for example Shopify or WooCommerce). Your relationship with those providers is governed by their own terms, and they are responsible for their services.
• Money your customers pay through a connected payment gateway goes to your own account with that gateway. We never hold or control your funds, and we are not a bank, payment service provider or escrow agent.
• When you connect a service, you authorise us to exchange the data needed for the connection to work. For example, we receive order and payment notifications and send stock levels. You can disconnect at any time.
• We are not liable for outages, errors or charges caused by third-party services outside our control.

12. The Dara assistant

• Where available, Dara is an AI assistant that answers questions about your Business's records using the information your role can already see.
• To answer, relevant parts of your question and records are sent to our AI provider (currently OpenAI) under terms that do not allow them to use that data to train their models. See the Privacy Policy.
• AI answers can be wrong or incomplete. Check important figures against your reports. Dara does not give professional accounting, tax, legal or financial advice.
• Dara can only send a document or statement after you confirm in the conversation, and only to the contact address already on file.

13. Support and support sessions

We provide support by email and within the Service. To resolve a problem you report, an authorised member of our team may open a support session. A support session:

• shows the Service as your Owner sees it, in read-only mode: nothing can be changed during it;
• needs a recorded reason, ends automatically after a short time, and every page viewed is logged; and
• always triggers a notification to the Business Owner.

Our staff are bound by confidentiality, and their access is limited by role and audited. We do not otherwise look at your Customer Data except in aggregate, to keep the Service secure and running, or where the law requires it.

14. Availability, changes and backups

• We work to keep the Service available and secure, and we take regular backups and test restoring them. We do not guarantee that the Service will be uninterrupted or error-free. Planned maintenance, internet or power failures, and events outside our control can cause interruptions.
• We may improve, change or retire features. If we remove a significant feature you are paying for, we will give reasonable notice where practicable.
• Backups exist for disaster recovery. They are not a way to recover individual records you deleted. Deleted records go to the in-app trash first, where they can be restored for a limited time.

15. Intellectual property

The Service, including its software, design, text, logos and the dmistocks name, is owned by us or our licensors and is protected by the Copyright Act 2022 and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable right to use the Service for your Business's internal purposes during your Subscription. We reserve all rights not expressly granted.

If you send us feedback or suggestions, we may use them without obligation to you.

16. Suspension and termination

16.1 By you

You can cancel your Subscription at any time. It stops renewing, and the Service stays available until the end of the term you have paid for. To close your Business's account and have its data deleted, contact us at [email protected] from an Owner's email address.

16.2 By us

We may suspend or terminate access for a Business or a User, with notice where reasonable, if:

• fees remain unpaid after the grace period;
• you seriously or repeatedly breach these Terms, including section 9;
• we reasonably believe it is needed to prevent fraud, protect other users or the Service, or comply with the law or a lawful order; or
• we stop providing the Service. In that case we will give at least 60 days' notice and refund any fees paid for the unused part of a term.

16.3 What happens to your data

After a Subscription ends or an account is closed, we keep Customer Data for 90 days, so you can reactivate or ask for an export. We then delete it or make it anonymous, except where the law requires us to keep certain records for longer. Copies in backups expire on the backup retention schedule described in the Privacy Policy.

17. Disclaimers

To the extent the law allows, the Service is provided "as is" and "as available". We make no warranties except those stated in these Terms, including no implied warranties of merchantability, fitness for a particular purpose or non-infringement. Nothing in these Terms excludes any right or guarantee you have under the Federal Competition and Consumer Protection Act 2018 or any other law that cannot be excluded by contract.

18. Limitation of liability

To the extent the law allows:

• we are not liable for indirect, incidental, special or consequential loss, or for loss of profit, revenue, goodwill or anticipated savings, however it arises; and
• our total liability arising out of or relating to the Service or these Terms, in any 12-month period, is limited to the fees your Business paid us for the Service in that period.

These limits do not apply to liability that cannot be limited by law, such as liability for fraud, for death or personal injury caused by negligence, or for our wilful misconduct.

19. Indemnity

You agree to compensate us for reasonable losses, costs and claims brought by third parties that arise from your unlawful use of the Service, your breach of these Terms, or Customer Data you did not have the right to enter or share. We will notify you promptly of any such claim and let you take part in its defence.

20. Governing law and disputes

• These Terms are governed by the laws of the Federal Republic of Nigeria.
• If a dispute arises, both parties will first try to resolve it in good faith. Write to us at [email protected] and we will respond within 14 days. If it is not resolved within 30 days, either party may refer it to mediation, or to arbitration under the Arbitration and Mediation Act 2023. Either party may also bring it before the courts of the Federal Capital Territory, Abuja, which have jurisdiction.
• Nothing here prevents either party from seeking urgent relief from a court. It also doesn't stop you from complaining to a regulator, such as the Nigeria Data Protection Commission or the Federal Competition and Consumer Protection Commission.
• If you use the Service from outside Nigeria, you are responsible for complying with local laws. Mandatory consumer or data protection rights in your country still apply to you.

21. Changes to these terms

We may update these Terms, for example to reflect new features or changes in the law. For a material change, we will tell Owners by email or in the Service at least 14 days before it takes effect, unless the change is needed sooner for legal or security reasons. If you continue using the Service after that, you accept the updated Terms. If you do not agree, you may cancel before the change takes effect. The version and effective date are shown at the top of this page.

22. General

• Entire agreement. These Terms, the Privacy Policy and any order or plan details you accept make up the whole agreement between us about the Service.
• Severability. If a court finds any part of these Terms unenforceable, the rest remains in effect.
• No waiver. If we don't enforce a right straight away, we don't give it up.
• Assignment. You may not transfer your rights under these Terms without our consent. We may transfer them as part of a merger, acquisition or sale of assets, and will tell you if we do.
• Force majeure. Neither party is liable for failures caused by events beyond its reasonable control, such as natural disasters, civil unrest, government action, or widespread power, internet or banking outages.
• Electronic records and notices. You agree that this agreement, and notices under it, may be made electronically. Records kept by the Service, including audit logs, may be used as evidence to the extent the Evidence Act 2011 (as amended) and other applicable law permit.
• Language. These Terms are written in English, and the English version governs.

23. Contact us

DMIDEVELOPERS LTD
Abuja, Nigeria
Email: [email protected]