Terms of Service — Professional, clear, and trustworthy

1. Acceptance of Terms

By accessing or using Plaen ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service, including but not limited to:

• Individual freelancers and consultants
• Small and medium-sized businesses
• Enterprise organizations
• Invoice recipients and payers

2. Description of Service

Plaen is a software-as-a-service (SaaS) platform that provides:

Core Services

• Invoice creation and management tools
• Payment processing through multiple methods
• Client and customer management
• Financial reporting and analytics
• Receipt generation and record keeping

Payment Methods

• Mobile money (MTN, Vodafone, AirtelTigo, M-Pesa)
• Bank transfers and wire payments
• Cryptocurrency payments
• Credit and debit card processing

3. User Accounts

Account Registration

To use Plaen, you must create an account by providing accurate and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information remains current and accurate

Account Types

Plaen offers different account types:

• Personal accounts: For individual freelancers and consultants
• Business accounts: For companies and organizations
• Enterprise accounts: For large organizations with custom needs

4. Acceptable Use

Permitted Uses

You may use Plaen for legitimate business purposes, including:

• Creating and sending invoices for goods and services
• Collecting payments from clients and customers
• Managing business financial records
• Generating reports for accounting and tax purposes

Prohibited Uses

You agree not to use Plaen for:

• Illegal activities or fraudulent transactions
• Money laundering or terrorist financing
• Circumventing payment processing regulations
• Spamming or unsolicited communications
• Violating intellectual property rights
• Interfering with the Service's security or functionality

5. Payment Terms

Service Fees

Plaen's pricing structure includes:

Transaction Fees

Transaction fees vary by payment method and are clearly disclosed before processing. Fees may include:

• Payment processing fees (typically 1-3% of transaction amount)
• Currency conversion fees for multi-currency transactions
• Third-party payment provider fees
• Refund and chargeback processing fees

6. Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Your Data

You retain ownership of your data, including:

• Invoice and client information
• Payment and transaction records
• Business and personal information
• Usage analytics and preferences

Data Security

We implement industry-standard security measures to protect your data, but you acknowledge that no system is completely secure. You are responsible for maintaining appropriate security practices on your end.

7. Intellectual Property

Plaen's Rights

Plaen and its licensors own all rights to:

• The Plaen software and platform
• Trademarks, logos, and brand materials
• Documentation and help materials
• Proprietary algorithms and technology

Your License

We grant you a limited, non-exclusive, non-transferable license to use Plaen for your business purposes, subject to these Terms.

8. Service Availability

We strive to maintain high service availability, but we cannot guarantee uninterrupted access. We may:

• Perform scheduled maintenance with advance notice
• Make emergency updates for security or stability
• Temporarily limit access during high traffic periods
• Discontinue features with reasonable notice

9. Limitation of Liability

To the fullest extent permitted by law, Plaen shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or business opportunities
• Data loss or corruption
• Business interruption
• Third-party payment processing issues

Our total liability for any claim related to these Terms or the Service shall not exceed the amount you paid to Plaen in the 12 months preceding the claim.

10. Termination

Termination by You

You may terminate your account at any time by:

• Using the account deletion feature in your settings
• Contacting our support team
• Ceasing to use the Service

Termination by Plaen

We may suspend or terminate your account if:

• You violate these Terms
• You engage in fraudulent or illegal activities
• Your account remains inactive for an extended period
• Required by law or regulation

Effect of Termination

Upon termination:

• Your access to the Service will be revoked
• You may export your data for a limited time
• Outstanding payments and fees remain due
• Certain provisions of these Terms survive termination

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to conflict of law principles. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Ghana.

12. Changes to Terms

We may modify these Terms from time to time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications
• Displaying in-app notifications

Your continued use of the Service after changes take effect constitutes acceptance of the new Terms.

13. Contact Information

If you have questions about these Terms, please contact us: