Terms of Service

Welcome to Defolt Labs

These Terms of Service ("Terms") govern your use of Defolt Labs services, including our Nyaraka Point document automation platform and our website at defoltlabs.com.

By creating an account, accessing our services, or using our platform, you agree to these Terms. If you don't agree, please don't use our services.

We've written these Terms in plain language to make them easy to understand. If you have questions, contact us at info@defoltlabs.com.

1. Services We Provide

1.1 Nyaraka Point Platform

Nyaraka Point is a document automation platform that allows you to:

• Generate professional documents (invoices, proformas, letters, etc.)
• Access and use premium templates
• Store and manage documents (optional)
• Integrate via our API for programmatic access
• Deliver documents via Email, SMS, WhatsApp, and Webhooks

1.2 Service Availability

We strive to keep our services available 24/7, but:

• We don't guarantee 100% uptime
• We may perform scheduled maintenance (we'll notify you in advance when possible)
• We reserve the right to modify, suspend, or discontinue features with reasonable notice

2. Account Registration & Use

2.1 Eligibility

To use Nyaraka Point, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction)
• Be legally capable of entering into binding contracts
• Provide accurate, complete, and current information during registration

2.2 Account Security

You are responsible for:

• Keeping your password secure and confidential
• All activity that occurs under your account
• Notifying us immediately if you suspect unauthorized access

Do not share your account credentials with anyone. We will never ask for your password via email or phone.

3. Acceptable Use Policy

3.1 What You Can Do

You may use Nyaraka Point to:

• Generate legitimate business documents
• Automate document workflows for lawful purposes
• Integrate our API into your applications
• Store and manage documents related to your business

3.2 What You Cannot Do

4. Payment, Billing & Refunds

4.1 Wallet-Based Pricing

Nyaraka Point uses a wallet-based, pay-as-you-go pricing model:

• You top up your wallet with credits
• Credits are deducted automatically when you generate documents or make API calls
• Pricing is based on document size, template type, and usage volume

4.2 Payment Methods

We accept:

• Mobile Money (M-Pesa, Tigo Pesa, Airtel Money, etc.)
• Credit/Debit Cards (Visa, Mastercard)
• Bank transfers (for enterprise customers)

4.5 Refund Policy

5. Intellectual Property

5.1 Our Intellectual Property

Defolt Labs owns all rights to:

• The Nyaraka Point platform (code, design, features)
• Our website content (text, images, logos)
• Pre-built templates provided in the marketplace
• Our trademarks, branding, and domain names

5.2 Your Content

You retain ownership of:

• Documents you generate using Nyaraka Point
• Custom templates you create or upload
• Data you provide (customer names, invoice details, etc.)

We will never use your content for advertising, sell it to third parties, or use it for purposes beyond delivering our services.

7. API Usage

7.2 API Keys

• You generate and manage API keys in your dashboard
• Keep your API keys secure and private
• Never expose API keys in client-side code or public repositories
• You are responsible for all usage under your API keys

7.3 Rate Limits

To ensure fair usage, we enforce rate limits:

• Default: 100 requests per minute per API key
• Higher limits available for enterprise customers

9. Limitation of Liability

9.1 Damages Limitation

To the maximum extent permitted by law, Defolt Labs and its officers, directors, employees, and agents shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Service interruptions or downtime
• Errors in generated documents

9.2 Maximum Liability

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the greater of:

• The amount you paid us in the 12 months prior to the claim, or
• USD $100

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us at info@defoltlabs.com.

Upon termination:

• Your access to the service will be revoked immediately
• Saved documents will be deleted (download them first!)
• Unused wallet credits are non-refundable
• Transaction records will be retained for legal compliance

11.2 Termination by Us

We may suspend or terminate your account if:

• You violate these Terms
• You engage in fraudulent or illegal activity
• Your account is inactive for more than 24 months

13. Dispute Resolution

13.1 Informal Resolution

Before filing a formal claim, please contact us at info@defoltlabs.com to resolve the issue informally. Most disputes can be resolved quickly and amicably.

13.2 Governing Law

These Terms are governed by the laws of the United Republic of Tanzania, without regard to conflict of law principles.

13.3 Jurisdiction

Any disputes arising from these Terms or your use of our services shall be resolved in the courts of Dar es Salaam, Tanzania.

15. Contact Information

If you have questions, concerns, or disputes regarding these Terms, please contact us:

16. Acknowledgment

By using Nyaraka Point or any Defolt Labs service, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms
• You have the authority to enter into this agreement