Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Elgiosoft Ltd ("Company," "we," "our," or "us") regarding your use of our websites, applications, and services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. About Elgiosoft

Elgiosoft Ltd is a technology company registered in Cameroon, providing software development, fintech solutions, real estate technology, and agrobusiness services. Our services include:

• Joy of Mission: Bible and hymn mobile application
• ElgioPay: Payment processing and fintech platform
• Camerstate: Real estate marketplace and management platform
• Daicipes: Health and cooking platform
• Volaille D'or: Agrobusiness and poultry management services
• Custom Software Development: Bespoke technology solutions

3. User Eligibility

To use our Services, you must:

• Be at least 18 years old or have parental consent
• Have the legal capacity to enter into these Terms
• Provide accurate and complete information when creating accounts
• Comply with all applicable laws and regulations

4. User Accounts and Registration

Account Creation

Some Services may require account registration. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure and confidential
• Accept responsibility for all activities under your account

Account Security

You are responsible for maintaining the security of your account and promptly notifying us of any unauthorized access or security breaches.

5. Acceptable Use Policy

When using our Services, you agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Use our Services for illegal, harmful, or fraudulent purposes
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the integrity or performance of our Services
• Upload or transmit viruses, malware, or other malicious code
• Engage in spam, harassment, or abusive behavior
• Impersonate others or provide false information
• Reverse engineer, decompile, or attempt to extract source code

6. Financial Services (ElgioPay)

Payment Processing

ElgioPay provides payment processing services subject to additional terms and conditions. By using ElgioPay, you agree to:

• Comply with all applicable financial regulations
• Provide accurate business and financial information
• Maintain adequate security measures for financial data
• Accept responsibility for all transactions processed through your account

Transaction Disputes

We will assist in resolving transaction disputes according to our dispute resolution procedures and applicable payment network rules.

7. Intellectual Property Rights

Our Content

All content, software, and materials provided through our Services are owned by or licensed to Elgiosoft Ltd and are protected by intellectual property laws.

User Content

You retain ownership of content you submit to our Services but grant us a license to use, modify, and distribute such content as necessary to provide our Services.

Third-Party Content

Our Services may include third-party content or links to external websites. We are not responsible for third-party content or services.

8. Privacy and Data Protection

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

9. Service Availability and Modifications

We reserve the right to:

• Modify, suspend, or discontinue Services at any time
• Update these Terms with reasonable notice
• Impose usage limits or restrictions
• Perform maintenance and upgrades

We will make reasonable efforts to provide advance notice of significant changes.

10. Fees and Payment Terms

Some Services may require payment of fees. When applicable:

• Fees are clearly disclosed before purchase
• Payments are processed securely through authorized providers
• Refunds are governed by our refund policy
• You are responsible for applicable taxes

11. Disclaimers and Warranties

Our Services are provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that our Services will be uninterrupted, error-free, or completely secure.

12. Limitation of Liability

To the fullest extent permitted by law, Elgiosoft Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use.

Our total liability for any claims related to these Terms or our Services shall not exceed the amount paid by you for the Services in the twelve months preceding the claim.

13. Indemnification

You agree to defend, indemnify, and hold harmless Elgiosoft Ltd from any claims, damages, losses, or expenses arising from your use of our Services, violation of these Terms, or infringement of third-party rights.

14. Termination

We may terminate or suspend your access to our Services at any time for:

• Violation of these Terms
• Illegal or harmful activities
• Extended periods of inactivity
• Business reasons with reasonable notice

Upon termination, your right to use our Services ceases immediately.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of Cameroon. Any disputes arising from these Terms or our Services shall be resolved through:

• Good faith negotiation
• Mediation if negotiation fails
• Arbitration or courts in Cameroon as a last resort

16. Severability and Waiver

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Our failure to enforce any provision does not constitute a waiver of our right to enforce such provision in the future.

17. Changes to Terms

We may update these Terms periodically to reflect changes in our Services, legal requirements, or business practices. We will notify users of significant changes through our website or email.

Continued use of our Services after changes constitutes acceptance of the updated Terms.

18. Entire Agreement

These Terms, together with our Privacy Policy and any additional service-specific terms, constitute the entire agreement between you and Elgiosoft Ltd regarding your use of our Services.