Terms of service

Cashiar is made by HOGANAM LTD, a company registered in Ghana ("we"). These terms cover the website www.cashiar.app, the Cashiar app and the services behind them. Our privacy policy says how we handle personal data, and is part of these terms.

They apply to two kinds of people: businesses that sign up and run on Cashiar, with their staff, and customers who message a business through Cashiar's sales assistant.

• The business you message uses Cashiar to answer its chats on WhatsApp, Instagram and other apps. Replies may come from Cashiar's assistant, an AI, on the business's behalf.
• What you send goes to that business so it can answer you, take your order and deliver it. The business, not Cashiar, sells to you: prices, stock, payment, delivery, refunds and complaints are between you and the business.
• The assistant can make mistakes. A price, an order or a delivery time is only agreed when the business confirms it.
• By carrying on the chat after the assistant tells you this, you agree to these terms and to the privacy policy. If you do not agree, stop messaging the business through the chat and contact it another way.
• You can ask a business to stop sending you offers at any time: reply STOP.

• You must be 18 or older and allowed to act for the business you sign up.
• Keep your sign-in safe. You are responsible for what is done with your account and your staff’s accounts.
• Give true details about your business. We may ask you to verify it before you take payments through Cashiar.

For the data you keep about your customers, suppliers and staff, you decide how it is used, and we hold it for you. You agree to:

• Have a lawful reason to keep each person’s data, and tell them how you use it.
• Send offers only to customers who agreed to them, and stop when they ask.
• Answer requests from people about their data, with our help when you need it.
• Follow the rules of the apps you sell on, such as WhatsApp’s and Instagram’s business and commerce policies.

• Plans are paid ahead, monthly or yearly, per branch, as the pricing page shows. The free trial is the only free time.
• Each plan comes with SMS and AI credits every month; unused monthly credits do not carry over. Credits you top up do not expire.
• Messaging providers, such as Meta for WhatsApp templates, may charge your own account for what you send.
• If a plan is not paid, the business becomes read only until it is. Your data stays.
• Payments go through Paystack. Except where the law says otherwise, what you paid is not refunded.

You agree not to use Cashiar to:

• Break the law, or sell what the law forbids.
• Send messages people did not ask for, or mislead them.
• Get into accounts or data that are not yours, or disrupt the service.
• Copy, resell or take apart the app.

We may suspend or close a business that does, after telling the owner when we can.

We work to keep Cashiar running and your data safe, but we cannot promise it never stops or never has a mistake. We may change features as Cashiar grows; when a change matters, we tell account owners first.

As far as the law allows, we are not liable for lost profits or indirect losses, and our total liability is limited to what the business paid us in the 12 months before the claim.

You can stop using Cashiar at any time. Before you close your account, you can export your data. We may end these terms if they are broken, and keep what the law makes us keep.

The laws of Ghana govern these terms, without taking away the protections the law where you live gives you.

When we change these terms, we update the date at the top. If a change matters, we tell account owners by email or in the app first.

HOGANAM LTD, Ghana. Email legal@cashiar.app.