Terms of Service

1. Agreement

These Terms of Service ("Terms") are an agreement between you and Breezy ArtDrop Studios Ltd. ("DuesFam", "we", "us"), a company registered in Ghana. They govern your use of duesfam.com, the DuesFam application and the member portal (together, the "Service").

By creating an account or using the Service you accept these Terms. If you are accepting on behalf of an organisation, you confirm you are authorised to bind that organisation, and "you" means both you and it.

2. What DuesFam is — and is not

DuesFam is a record-keeping and accountability tool for organisations that collect money from their members: family associations, unions, alumni groups, churches, cooperatives, susu clubs and similar bodies.

We are not a bank, payment service provider, electronic money issuer, deposit-taking institution, escrow agent, accountant or auditor, and we are not licensed as any of them. Nothing in the Service is financial, legal, tax or accounting advice. Reports produced by DuesFam are a convenience, not an audited statement — have a qualified professional review anything that needs to be authoritative.

3. Your account

• You must be at least 18 years old to hold an account.
• Give accurate registration details and keep them current.
• You are responsible for everything done under your account, and for keeping your sign-in secure. Tell us promptly at hello@duesfam.com if you suspect unauthorised access.
• Do not share one account between people. Use team roles instead, so each person signs in as themselves and the audit log stays meaningful.

4. Member data: your responsibilities

When you add members and record their contributions, you are entering personal data about other people. You are the controller of that data and we process it for you (see our Privacy Policy). You represent and warrant that:

• You have a lawful basis to hold and process each member's data
• You have told your members, or will tell them, that their records are kept in DuesFam
• You will keep records accurate and remove people who are no longer members
• You will handle requests from members about their own data, or pass them to us promptly
• You will grant team roles and invite links only to people entitled to that access, and revoke them when someone leaves the role

You are responsible for what your Admins and Auditors do with the access you give them.

5. Acceptable use

You agree not to:

• Use the Service for fraud, money laundering, a pyramid or Ponzi scheme, or any unlawful purpose
• Use it to run a deposit-taking, lending or investment scheme, or to promise members a financial return
• Upload malware, or attempt to breach, probe or overload the Service or its infrastructure
• Attempt to access another organisation's data
• Scrape, resell, sublicense or white-label the Service without our written agreement
• Send unsolicited bulk messages through the Service's email or WhatsApp features
• Upload content that is unlawful, defamatory, obscene, hateful, or infringes someone's rights
• Misrepresent DuesFam as holding or guaranteeing your organisation's funds

Messaging

The Service can send email and WhatsApp messages on your behalf. You are responsible for having a lawful basis to contact each recipient, for honouring opt-outs, and for complying with applicable anti-spam rules and WhatsApp's own Business policies. We may suspend messaging features on an account that generates complaints.

6. Plans, billing and refunds

• The Free plan is free, with the limits shown on our pricing page.
• Pro and Premium are billed monthly in advance in Ghana Cedis through Paystack. Prices shown in other currencies are indicative conversions; the amount charged is in GHS.
• Subscriptions renew automatically until cancelled. Cancel any time from Settings — access continues to the end of the paid period and is not pro-rated.
• Promotional pricing applies only for the period stated, after which the standard rate applies. We will tell you before a promotional rate ends.
• Fees are exclusive of any taxes or levies that apply to you.
• We may change prices with at least 30 days' notice. Continuing after that means accepting the new price.
• If a payment fails we may downgrade the account to Free after a reasonable grace period. Your data is not deleted for non-payment; features are limited until payment succeeds.

Refunds

We do not routinely refund fees already paid, since access continues to the end of the period. If the Service was substantially unavailable, or you were charged in error, contact us within 14 days and we will put it right. Nothing here limits any non-waivable statutory right you have.

7. AI credits and AI features

• AI features — document import, Smart Defaulter Insights and flyer generation — consume AI credits from a single balance. Each plan includes an allowance, and you can buy more.
• Purchased credits are non-refundable and non-transferable between accounts. Credits do not expire while your account is open, and are lost if you close it.
• A credit is spent when a generation is attempted. If our provider fails and we return an error, tell us and we will restore the credit.
• AI output can be wrong. Scanned figures can be misread and insights can be mistaken. Review AI output before relying on it. You remain responsible for the accuracy of your organisation's records.
• You own the flyers you generate and may use them for your organisation. Do not use flyer generation to produce unlawful, misleading, hateful or infringing material, or to imply a fundraising purpose that is not genuine.
• AI features depend on third-party providers and may change, degrade or be withdrawn if a provider changes their terms.

8. Ownership

Your content is yours. Your organisations, members, payment records, uploads and reports belong to you. You grant us only the licence needed to host, process, back up and display that content to run the Service for you, and to send it to the sub-processors listed in our Privacy Policy.

Our platform is ours. The DuesFam software, design, brand and name belong to Breezy ArtDrop Studios Ltd. These Terms do not transfer any of it to you. You may not copy, modify, reverse-engineer or create derivative works from the Service.

If you send us feedback or suggestions, we may use them freely without obligation to you.

9. Availability

We aim to keep DuesFam available and fast, but we do not guarantee uninterrupted service. Maintenance, provider outages, network problems and events beyond our control can interrupt it. We are not liable for losses caused by downtime.

Keep your own copy. Export your records regularly from the Reports screen. We take backups for our own resilience, but you should not treat DuesFam as your only copy of your organisation's financial history.

10. Suspension and termination

You may stop using the Service and delete your account at any time — see Data Deletion.

We may suspend or terminate an account that breaches these Terms, is used unlawfully, or endangers the Service or other users. Where circumstances allow we will warn you first and give you a chance to fix the problem. For serious breaches we may act immediately. On termination we will, where practical, give you a reasonable opportunity to export your data before deletion.

11. Disclaimers

To the fullest extent the law allows, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be error-free, that defects will be corrected, or that outputs will be accurate or complete.

12. Limitation of liability

To the fullest extent the law allows:

• We are not liable for indirect, incidental, special, consequential or punitive damages, nor for lost profits, lost revenue, lost goodwill, or loss or corruption of data.
• We are not liable for any dues, contributions or other money belonging to your organisation, including money that is mis-recorded, disputed, misappropriated by a member or officer, or never collected. We never hold that money and have no ability to recover it.
• Our total aggregate liability arising out of or relating to the Service is limited to the greater of (a) the fees you paid us in the 12 months before the event giving rise to the claim, or (b) GH₵ 500.

Nothing here excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

13. Indemnity

You agree to indemnify and hold harmless DuesFam and Breezy ArtDrop Studios Ltd. against claims, losses and reasonable costs arising from your use of the Service, your content, your breach of these Terms, or your handling of your members' personal data.

14. Changes to these Terms

We may update these Terms. The date at the top always shows the current version. For material changes we will give notice in the app or by email at least 14 days before they take effect. Continuing to use the Service after that means you accept the revised Terms. If you do not accept them, stop using the Service and delete your account.

15. Governing law and disputes

These Terms are governed by the laws of the Republic of Ghana. If a dispute arises, contact us first — nearly everything is resolved by a conversation. If it cannot be, the courts of Ghana have exclusive jurisdiction, and you and we submit to them.

16. General

• If a provision is held unenforceable, the rest stays in force.
• Our not enforcing a provision is not a waiver of it.
• You may not assign these Terms without our consent. We may assign them to a successor of our business.
• These Terms, with the Privacy Policy and Data Deletion policy, are the entire agreement between us about the Service.