Terms of service

“You” means the business that holds the SmartBuuks account, and the person who accepts these terms for it. If you accept for a business, you confirm you’re allowed to. You must be 18 or over.

Our privacy notice explains how we handle personal information and forms part of these terms.

• Give us accurate details, and keep them up to date.
• Keep your password and sign-in codes private. We will never ask for them.
• You decide who joins your business and what they can see. You’re responsible for what your team does in your account.
• Tell us straight away if you think someone has got into your account.

• Free plan: invoicing, estimates, books and reports, free with no time limit. Some features have monthly limits, shown on the pricing page.
• Pro and Payroll: optional paid plans, billed monthly or yearly in your local currency. Payroll is charged per person paid each month.
• Payment fees: when your customers pay you online, a fee applies per payment. We show it before you send an invoice or checkout.
• Paying us: by MoMo, card or bank transfer through our payment partners. Prices may include VAT where it applies.
• If a payment fails: you have 7 days to sort it out. After that, paid features pause. Your data and the Free plan stay open to you.
• Price changes: we’ll tell you at least 30 days before a price change affects you. Yearly plans keep their price until renewal.
• Cancelling: cancel any time in Business Settings. Paid features stay on until the end of the period you’ve paid for. We don’t refund part-used periods unless the law requires it.

Everything you put into SmartBuuks stays yours. You give us permission to store and process it only to provide and improve the service, as our privacy notice explains.

You can export your books, invoices and reports at any time, on every plan. If we ever stop offering a product, we’ll give you at least 90 days’ notice and a way to take your data with you.

You’re responsible for having the right to add other people’s details - for example, your customers and employees.

SmartBuuks is not a bank, mobile money operator, payment service provider or lender. Payment links, checkouts and payouts are provided by licensed payment partners, under their own terms, which you may be asked to accept. Money is held by them, never in a SmartBuuks account.

When you connect MoMo or a bank, we only read your transactions and balances. Connections depend on each provider and can stop working if the provider changes something. You can always upload a statement instead.

Every payment, pay run and payout needs your clear approval. Check the amount and the person before you approve.

SmartBuuks works out taxes and payroll using rules for your country, and Copilot suggests and explains. We work hard to keep the rules up to date, but tax law changes and every business is different.

SmartBuuks is not a substitute for professional advice. You (or your accountant) are responsible for checking figures, filing returns and paying taxes on time. Copilot’s suggestions are suggestions - please check them before you approve.

Please don’t use SmartBuuks to:

• break the law, including tax, anti-money-laundering or data protection law;
• send fake invoices, spam or messages people didn’t ask for;
• try to get into other people’s accounts or our systems, or overload them;
• copy, resell or reverse-engineer SmartBuuks without our written permission.

“Unlimited” features are subject to fair use, so the service stays fast for everyone.

We improve SmartBuuks all the time - see what’s new. If we change these terms in a way that matters to you, we’ll tell you at least 30 days before, in the app or by email. If you don’t agree, you can export your data and close your account.

You can close your account at any time. We may suspend or close an account that breaks these terms or puts others at risk - where we can, we’ll warn you first and give you time to export your data.

We provide SmartBuuks with reasonable care and skill. We can’t promise it will never be interrupted, and we’re not responsible for services we don’t control, such as MoMo operators, banks, payment partners or the tax office’s systems.

As far as the law allows, we’re not liable for indirect losses such as lost profits, and our total liability is limited to the fees you paid us in the 12 months before the claim. Nothing in these terms limits rights you have by law that can’t be limited.

These terms are governed by the laws of the country where your business is registered with SmartBuuks, unless the law there says otherwise. If something goes wrong, please contact us first - most problems are solved quickly. If not, the courts of that country can decide.

Questions about these terms: help@smartbuuks.app, or use the contact page.