Terms of Service

1. Acceptance of terms

By creating an account or using CURUZA (the "Service"), you agree to these Terms of Service. If you are using the Service on behalf of a business, you confirm you are authorized to accept these terms for that business.

2. Your account

You may sign up with a phone number or an email address. You are responsible for keeping your PIN or password confidential and for all activity that happens under your account.

The first person to register a shop becomes its Owner. Owners can invite team members and assign roles (Manager, Accountant or Cashier), and are responsible for the actions of the members they add.

3. Free core service, optional CURUZA Business

CURUZA's core Service is free, with no seat limits: selling, stock, purchases, expenses, credit, reports, staff, branches, exports and every other feature available before 22 September 2026. We will not later move any of those features behind a payment.

We also offer an optional paid plan, CURUZA Business. Today it includes branch insights, the smart advisor, SMS debt reminders and a weekly summary email. Its price is shown in the app before you pay. It is charged per shop location (a head office plus each branch) for 30 days at a time.

Business does not renew automatically. You pay by MTN Mobile Money from the Upgrade page, and each payment adds 30 days. Paying early adds the 30 days after your current period, so you lose nothing. If you don't renew, the Business features lock at the end of the period. Your data and every free feature stay available.

Payments are non-refundable once the period has started, except where the law requires otherwise or where we fail to provide the Business features. A branch opened during a paid period is included until the next renewal, which charges for the new number of locations. We may change the price with at least 30 days' notice in the app. A change never affects a period you have already paid for.

4. Future transaction fee

In the future, CURUZA intends to introduce a small fee calculated as a percentage of the digital transactions you process through the Service (for example, payments made by mobile money, card, or bank transfer). The fee, if introduced, is charged against your business's transaction volume — it is never a charge to your own customers, and it does not apply to cash sales or sales recorded on credit.

By accepting these Terms you acknowledge and agree that such a per-transaction fee may apply in the future. We will give you clear, advance notice of the fee — including the rate and the start date — before it begins, and you will be free to stop using the Service if you do not wish to continue under the fee.

This clause is a disclosure of our intended future model; it does not itself start any charge. No fee is being collected today.

CURUZA Business is a separate, optional subscription and is not the transaction fee described here.

5. SMS reminders to your customers

If you turn on SMS debt reminders, CURUZA sends text messages on your behalf to customers you have recorded with an overdue credit balance. The texts come from CURUZA's sender name and include your shop name, the amount owed and your shop phone number.

You confirm that each customer you record for credit has agreed to receive these reminders from your shop, and that the amounts you record are genuinely owed. You are responsible for the debts you record and for your relationship with your customers. You must not use reminders to contact anyone who is not your customer, or to send anything misleading or abusive.

We limit how often a customer is texted, and each plan includes a monthly number of messages. We may pause reminders for a shop if they are misused.

6. Hardware, commitments and special arrangements

If we ever subsidise or discount CURUZA-branded POS hardware for you (for example, a shop scanner or receipt printer), that discount may be conditional on you continuing to use CURUZA for a stated term. If you end that use earlier without cause, we may invoice the pro-rated unsubsidised hardware price.

Nothing here requires you to use CURUZA exclusively — you remain free to run other software or hardware in your business. Exclusivity, franchise, wholesale-partner, revenue-share, or custom-SLA arrangements, if ever agreed, are only binding through a separate written agreement signed by an authorised signatory of your business and by CURUZA. Such an agreement is not created by these Terms, by app checkboxes, or by any click-through step during signup. Where a signed agreement covers a matter also touched by these Terms, the signed agreement prevails on that specific matter.

7. Acceptable use

You agree not to misuse the Service, attempt to access other shops' data, disrupt the platform, or use it for any unlawful purpose. We may suspend accounts that violate these terms.

8. Your data

You own the business data you enter. We process it to provide the Service as described in our Privacy Policy. You are responsible for the accuracy of the records you keep.

9. Availability and liability

We work to keep the Service available and reliable, but it is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we are not liable for indirect or consequential losses arising from your use of the Service.

10. Changes and termination

We may update these terms or the Service from time to time. Material changes will be communicated through the app. You may stop using the Service at any time. Stopping does not refund a CURUZA Business period already started. We may suspend or terminate accounts that breach these terms.

11. Contact

Questions about these terms can be sent to [email protected].